Retirement Income Solutions, Inc.

In its 13F for Q2 2024 (holdings as of June 30, 2024, filed August 1, 2024), Retirement Income Solutions, Inc. reported 141 stock positions worth $413.9 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 29.0% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 9.9%) and iShares Core S&P Midcap ETF (IJH, 9.5%). Compared with Q1 2024, it opened 3 new positions, sold out of 18, added to 19 and reduced 70. The biggest buy was iShares Core S&P 500 ETF (IVV, shares +1%) and the biggest sale iShares Russell 1000 Value E (IWD, shares −37%).

Most Recent 13F
Q2 2026
Location
ANN ARBOR, MI
CIK
0001730386
Portfolio Value
$413.9M (Q2 2024)
SEC Filing
0000950123-24-007000 ↗ filed Aug 1, 2024

Holdings Value

0$200.0M$400.0M$600.0M Q1 2024: $441.0M Q1 2024 Q2 2024: $413.9M $413.9M Q2 2024 Q3 2024: $437.7M Q3 2024 Q4 2024: $495.6M Q4 2024 Q1 2025: $477.9M Q1 2025 Q2 2025: $545.0M Q2 2025 Q3 2025: $584.8M Q3 2025 Q4 2025: $589.6M Q4 2025 Q1 2026: $585.1M Q1 2026 Q2 2026: $580.8M Q2 2026

Holdings 141 stocks · $413.9M
IVV iShares Core S&P 500 ETF 29.03% 219,557 $120.1M Add +1.1%
SPY SS SPDR S&P 500 ETF Trust-US 9.93% 75,555 $41.1M Reduce -7.8%
IJH iShares Core S&P Midcap ETF 9.52% 673,397 $39.4M Reduce -4.0%
SPYM Ste STR SPDR PT S&P 500 ETF 5.90% 381,356 $24.4M Reduce -8.8%
IWF iShares Russell 1000 Growth 4.30% 48,794 $17.8M Reduce -12.9%
SPMD SS SPDR P S&P 400 Midcap ETF 2.40% 193,601 $9.9M Reduce -22.9%
SPYX SS SPDR S&P 500 Foss FL ETF 2.23% 206,761 $9.2M Reduce -28.4%
QQQ Invesco QQQ Trust Series 1 1.74% 15,060 $7.2M Reduce -7.1%
IWD iShares Russell 1000 Value E 1.60% 37,844 $6.6M Reduce -37.5%
IWB iShares Russell 1000 ETF 1.49% 20,786 $6.2M Reduce -3.4%
GLDM SPDR Gold Minishares Trust 1.47% 132,108 $6.1M Reduce -4.3%
ESGU iShares ESG Aware MSCI USA 1.41% 48,965 $5.8M Add +247.1%
MDY State Street SPDR S&P Midcap 1.39% 10,785 $5.8M Reduce -5.2%
RSP Invesco S&P 500 Equal Weight 1.24% 31,180 $5.1M Reduce -29.1%
VO Vngrd Mrngstr MD-Cap ETF-Usd 1.18% 20,149 $4.9M Reduce -8.2%
ACWI iShares MSCI Acwi ETF 1.08% 39,847 $4.5M Reduce -3.5%
AAPL Apple Inc. 1.08% 21,141 $4.5M Add +6.4%
SPYG SS SPDR P S&P 500 Growth ETF 0.96% 49,609 $4.0M Reduce -15.2%
AMZN Amazon.com Inc. 0.91% 19,441 $3.8M Add +0.2%
IEI iShares 3-7 Year Treasury Bo 0.79% 28,406 $3.3M Reduce -39.2%
SPYV SS SPDR P S&P 500 Value ETF 0.72% 61,559 $3.0M Reduce -33.4%
MSFT Microsoft Corp. 0.71% 6,562 $2.9M No change
XLK SS Technology Select Sector 0.70% 12,828 $2.9M Add +1.1%
BRK.B Berkshire Hathaway Inc. Class B 0.62% 6,268 $2.5M Add +10.8%
EFA iShares MSCI Eafe ETF 0.58% 30,495 $2.4M Reduce -22.8%
IVW iShares S&P 500 Growth ETF 0.54% 24,073 $2.2M Reduce -6.9%
VOO Vanguard S&P 500 ETF 0.52% 4,264 $2.1M Reduce -5.2%
VUG Vanguard Mrngstar GR ETF-Sui 0.50% 5,578 $2.1M Reduce -1.8%
LLY Eli Lilly & Co. 0.49% 2,258 $2.0M Reduce -5.6%
IWR iShares Russell Mid-Cap ETF 0.48% 24,607 $2.0M Reduce -14.4%
IVE iShares S&P 500 Value ETF 0.48% 10,833 $2.0M Reduce -22.7%
PDEC Innovator U.S. Equity Power 0.42% 46,263 $1.7M Reduce -9.8%
VTI VG Morningstar TS MKT ETF-US 0.41% 6,283 $1.7M No change
POCT Innovator U.S. Equity Power 0.39% 41,899 $1.6M Reduce -1.3%
PNOV Innovator U.S. Equity Power 0.36% 41,188 $1.5M No change
GOOGL Alphabet Inc. Class A 0.36% 8,176 $1.5M Add +3.2%
SCHG Schwab US Large-Cap Growth 0.34% 14,050 $1.4M No change
IEF iShares 7-10 Year Treasury B 0.32% 14,340 $1.3M Reduce -58.6%
GOOG Alphabet Inc. Class C 0.31% 7,069 $1.3M Add +2.5%
SHY iShares 1-3 Year Treasury Bo 0.30% 15,127 $1.2M Reduce -44.4%
MRK Merck & Co. Inc. 0.28% 9,462 $1.2M Reduce -1.2%
XLE SS Energy Select Sector 0.28% 12,698 $1.2M Reduce -1.1%
SMH Vaneck Semiconductor ETF 0.28% 4,416 $1.2M Add +5.8%
PHO Invesco Water Resources ETF 0.27% 17,034 $1.1M Reduce -15.3%
NVDA Nvidia Corp. 0.26% 8,868 $1.1M Reduce -12.0%
GLD SPDR Gold Shares 0.26% 5,014 $1.1M Reduce -8.5%
VTV Vanguard Mrngstr Val ETF-Aui 0.23% 5,873 $942K Reduce -13.3%
PG The Procter & Gamble Co. 0.22% 5,636 $929K Add +0.7%
JPM JPMorgan Chase & Co. 0.22% 4,403 $891K Reduce -2.7%
BKLC BNY Mellon US LRG Cap Cor 0.21% 8,311 $863K Reduce -12.8%
EAGG iShares ESG Aware US Aggrega 0.20% 18,075 $842K Reduce -38.6%
PJAN Innovator U.S. Equity Power 0.18% 19,039 $766K No change
EFIV SS SPDR S&P 500 ESG ETF 0.17% 13,636 $724K Reduce -29.5%
SCHX Schwab US Large-Cap ETF 0.17% 11,138 $716K Reduce -8.6%
IWS iShares Russell Mid-Cap Valu 0.17% 5,875 $709K Reduce -22.2%
VONE Vanguard Russell 1000 0.17% 2,870 $706K No change
XME SS SPDR S&P Metals Mining 0.17% 11,572 $687K No change
KO The Coca-Cola Co. 0.16% 10,629 $677K Reduce -10.5%
DBEF Xtrackers MSCI Eafe Hedged E 0.16% 16,253 $674K No change
XOM Exxon Mobil Corp. 0.16% 5,747 $662K Reduce -5.5%
SPEM State Street SP PTF Em ETF 0.16% 17,475 $658K Reduce -32.6%
ORCL Oracle Corp. 0.15% 4,533 $640K Add +5.4%
JNJ Johnson & Johnson 0.15% 4,340 $634K Reduce -6.5%
EEM iShares MSCI Emerging Market 0.15% 14,880 $634K Reduce -48.3%
DSI iShares ESG MSCI KLD 400 ETF 0.14% 5,757 $598K Reduce -56.9%
IWP iShares Russell Mid-Cap Grow 0.14% 5,417 $598K Reduce -8.3%
BJUN Innovator U.S. Equity Buffer 0.14% 15,080 $589K No change
URTH iShares MSCI World ETF 0.14% 3,985 $588K No change
ECL Ecolab Inc. 0.14% 2,409 $573K Reduce -12.4%
IUSG iShares Core S&P U.S. Growth 0.12% 4,000 $510K No change
LRCX Lam Research Corp. 0.12% 467 $497K No change
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.12% 2,144 $492K No change
AMGN Amgen Inc. 0.12% 1,571 $491K No change
PAPR Innovator U.S. Equity Power 0.11% 13,545 $469K No change
PEP Pepsico Inc. 0.11% 2,811 $464K Reduce -16.8%
ETN Eaton Corp. PLC 0.11% 1,473 $462K No change
VYM Vanguard High DVD Yield ETF 0.11% 3,857 $457K Reduce -15.7%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.11% 4,444 $441K Reduce -7.4%
PMAY Innovator U.S. Equity Power 0.10% 12,645 $431K Reduce -4.5%
MCD McDonald's Corp. 0.10% 1,689 $430K Add +1.5%
PJUL Innovator U.S. Equity Power 0.10% 10,869 $422K No change
CRM Salesforce Inc. 0.09% 1,510 $388K No change
DFAC Dimensional US Core Equity 2 0.09% 11,902 $384K Reduce -21.5%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.09% 2,201 $381K No change
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.09% 1,205 $379K No change
MGV Vngrd Mrgstr MG CP VL ETF-Ui 0.09% 3,120 $370K No change
SUSC iShares ESG Aware Usd Corpor 0.09% 15,933 $362K Reduce -23.5%
AVDE Avantis International Equity 0.09% 5,710 $356K Add +12.7%
EFAX State Street SPDR MSCI Eafe 0.08% 8,619 $352K New
DFAX Dimensional World Ex US Core 0.08% 13,691 $348K No change
PAUG Innovator U.S. Equity Power 0.08% 9,432 $344K No change
CMCSA Comcast Corp. Class A 0.08% 8,574 $336K Reduce -1.8%
LNT Alliant Energy Corp. 0.08% 6,502 $331K No change
PSEP Innovator U.S. Equity Power 0.08% 8,825 $331K No change
COST Costco Wholesale Corp. 0.08% 387 $329K Add +5.5%
DTE DTE Energy Company 0.08% 2,912 $323K Add +6.8%
CMG Chipotle Mexican Grill Inc. 0.08% 5,100 $320K No change
HD Home Depot Inc. 0.08% 910 $313K No change
EMXC iShares MSCI Emr MRK Ex Chna 0.08% 5,290 $313K Reduce -14.5%
BJAN Innovator U.S. Equity Buffer 0.07% 6,757 $305K No change
XLV SS Health Care Select Sector 0.07% 2,086 $304K Reduce -24.8%
SO The Southern Co. 0.07% 3,873 $300K No change
IRM Iron Mountain Inc. filed as IRON MTN INC DEL 0.07% 3,350 $300K No change
NVO Novo-Nordisk A/S-Spons ADR 0.07% 2,056 $293K Add +2.8%
IWV iShares Russell 3000 ETF 0.07% 924 $285K No change
PJUN Innovator U.S. Equity Power 0.07% 7,938 $283K No change
CL Colgate-Palmolive Co. 0.07% 2,910 $282K Reduce -46.3%
HON Honeywell International Inc. 0.07% 1,279 $273K Reduce -29.3%
VXF Vanguard Extended Market ETF 0.07% 1,606 $271K Reduce -20.1%
IWM iShares Russell 2000 ETF 0.06% 1,313 $266K Reduce -20.8%
GAMR Amplify Video Game LDRS ETF 0.06% 4,286 $264K No change
VIG Vanguard Dividend Apprec ETF 0.06% 1,446 $264K No change
VEA Vanguard Ftse Developed ETF 0.06% 5,329 $263K Reduce -12.2%
V Visa Inc. Class A 0.06% 993 $261K No change
IWN iShares Russell 2000 Value E 0.06% 1,709 $260K Reduce -10.5%
EDIV State Street SPDR S&P Emergi 0.06% 7,362 $260K No change
XSW SS SPDR S&P Soft & Serv ETF 0.06% 1,704 $257K No change
TT Trane Technologies PLC 0.06% 782 $257K Add +4.5%
VEU Vanguard Ftse All-World Ex-U 0.06% 4,375 $257K No change
BNOV Innovator U.S. Equity Buffer 0.06% 6,459 $241K No change
AVGO Broadcom Inc. 0.06% 145 $233K New
CINF Cincinnati Financial Corp. 0.06% 1,950 $230K No change
TMO Thermo Fisher Scientific Inc. 0.05% 408 $226K Reduce -2.6%
NFLX Netflix Inc. 0.05% 333 $225K New
BJUL Innovator U.S. Equity Buffer 0.05% 5,368 $224K No change
XLF SS Financial Select Sector 0.05% 5,437 $224K No change
OC Owens Corning 0.05% 1,283 $223K No change
CFBK CF Bankshares Inc. 0.05% 11,843 $222K Reduce -35.7%
SCHA Schwab US Small-Cap ETF 0.05% 4,598 $218K No change
XTN SS SPDR S&P Transport ETF 0.05% 2,777 $217K No change
PBW Invesco Wilderhill Clean Ene 0.05% 10,597 $214K Reduce -2.2%
WMT Walmart Inc. 0.05% 3,130 $212K Reduce -7.2%
LMBS First Trust Low Duration Opp 0.05% 4,388 $211K Reduce -75.3%
VB Vanguard Most SM-Cap ETF-Usd 0.05% 961 $210K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.05% 839 $209K Reduce -74.5%
SYK Stryker Corp. 0.05% 614 $209K Add +7.9%
ESGE iShares Inc. iShares ESG Awar 0.05% 6,199 $208K Reduce -3.4%
BSCU Invesco Bulletshares 2030 CB 0.05% 11,941 $194K No change
SLI Standard Lithium Ltd. 0.02% 73,900 $90K Add +18.0%
XJQCX Nuveen Credit Strategies Inc. 0.02% 15,250 $85K No change
ZOMDF Zomedica Corp. 0.00% 20,353 $3K No change

Portfolio Sells Q1 2024 → Q2 2024
IWD iShares Russell 1000 Value E Reduce -37.5% 1.60% −0.86
SPMD SS SPDR P S&P 400 Midcap ETF Reduce -22.9% 2.40% −0.64
SPYX SS SPDR S&P 500 Foss FL ETF Reduce -28.4% 2.23% −0.57
RSP Invesco S&P 500 Equal Weight Reduce -29.1% 1.24% −0.45
IEI iShares 3-7 Year Treasury Bo Reduce -39.2% 0.79% −0.43
IEF iShares 7-10 Year Treasury B Reduce -58.6% 0.32% −0.42
SPYV SS SPDR P S&P 500 Value ETF Reduce -33.4% 0.72% −0.33
SHY iShares 1-3 Year Treasury Bo Reduce -44.4% 0.30% −0.21
DSI iShares ESG MSCI KLD 400 ETF Reduce -56.9% 0.14% −0.16
SUSA iShares ESG Optimized MSCI U Sold out 0.00% −0.16
IJH iShares Core S&P Midcap ETF Reduce -4.0% 9.52% −0.14
LMBS First Trust Low Duration Opp Reduce -75.3% 0.05% −0.14
EFA iShares MSCI Eafe ETF Reduce -22.8% 0.58% −0.14
VV Vngrd Mrgstr LRG-Cap ETF-Usd Reduce -74.5% 0.05% −0.13
NUMV Nuveen ESG Mid-Cap Value ETF Sold out 0.00% −0.12
IVE iShares S&P 500 Value ETF Reduce -22.7% 0.48% −0.12
EEM iShares MSCI Emerging Market Reduce -48.3% 0.15% −0.11
EAGG iShares ESG Aware US Aggrega Reduce -38.6% 0.20% −0.11
MDYG SS SPDR S&P 400 MC GR ETF Sold out 0.00% −0.07
IWR iShares Russell Mid-Cap ETF Reduce -14.4% 0.48% −0.07
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -8.2% 1.18% −0.07
IBB iShares Biotechnology ETF Sold out 0.00% −0.06
IEFA iShares Core MSCI Eafe ETF Sold out 0.00% −0.06
CRBN Ish Low Car Opt Ms Ac ETF-US Sold out 0.00% −0.06
INTC Intel Corp. Sold out 0.00% −0.05
SPEM State Street SP PTF Em ETF Reduce -32.6% 0.16% −0.05
COP Conocophillips Sold out 0.00% −0.05
VWO Vanguard Ftse Emerging Marke Sold out 0.00% −0.05
ABBV Abbvie Inc. Sold out 0.00% −0.05
NUMG Nuveen ESG Mid-Cap Grow ETF Sold out 0.00% −0.05
BA The Boeing Co. Sold out 0.00% −0.05
SUN Sunoco LP Sold out 0.00% −0.05
PRF Invesco Rafi US 1000 ETF Sold out 0.00% −0.05
SUSB iShares ESG Aware 1-5 Year U Sold out 0.00% −0.05
EFIV SS SPDR S&P 500 ESG ETF Reduce -29.5% 0.17% −0.05
CAT Caterpillar Inc. Sold out 0.00% −0.05
EZM Wisdomtree US Midcap Fund Sold out 0.00% −0.05
IWS iShares Russell Mid-Cap Valu Reduce -22.2% 0.17% −0.04
CL Colgate-Palmolive Co. Reduce -46.3% 0.07% −0.04
MDY State Street SPDR S&P Midcap Reduce -5.2% 1.39% −0.04
PHO Invesco Water Resources ETF Reduce -15.3% 0.27% −0.04
F Ford Motor Co. Sold out 0.00% −0.03
CFBK CF Bankshares Inc. Reduce -35.7% 0.05% −0.03
DIS The Walt Disney Co. Reduce -7.4% 0.11% −0.03
VTV Vanguard Mrngstr Val ETF-Aui Reduce -13.3% 0.23% −0.02
PEP Pepsico Inc. Reduce -16.8% 0.11% −0.02
SUSC iShares ESG Aware Usd Corpor Reduce -23.5% 0.09% −0.02
XLV SS Health Care Select Sector Reduce -24.8% 0.07% −0.02
HON Honeywell International Inc. Reduce -29.3% 0.07% −0.02
DFAC Dimensional US Core Equity 2 Reduce -21.5% 0.09% −0.02

Portfolio Buys Q1 2024 → Q2 2024
IVV iShares Core S&P 500 ETF Add +1.1% 29.03% +3.14
ESGU iShares ESG Aware MSCI USA Add +247.1% 1.41% +1.04
AAPL Apple Inc. Add +6.4% 1.08% +0.30
AMZN Amazon.com Inc. Add +0.2% 0.91% +0.11
XLK SS Technology Select Sector Add +1.1% 0.70% +0.10
GOOGL Alphabet Inc. Class A Add +3.2% 0.36% +0.09
EFAX State Street SPDR MSCI Eafe New 0.08% +0.08
BRK.B Berkshire Hathaway Inc. Class B Add +10.8% 0.62% +0.08
GOOG Alphabet Inc. Class C Add +2.5% 0.31% +0.07
SMH Vaneck Semiconductor ETF Add +5.8% 0.28% +0.07
AVGO Broadcom Inc. New 0.06% +0.06
NFLX Netflix Inc. New 0.05% +0.05
ORCL Oracle Corp. Add +5.4% 0.15% +0.03
PG The Procter & Gamble Co. Add +0.7% 0.22% +0.02
COST Costco Wholesale Corp. Add +5.5% 0.08% +0.02
NVO Novo-Nordisk A/S-Spons ADR Add +2.8% 0.07% +0.01
AVDE Avantis International Equity Add +12.7% 0.09% +0.01
TT Trane Technologies PLC Add +4.5% 0.06% +0.01
DTE DTE Energy Company Add +6.8% 0.08% +0.01
SLI Standard Lithium Ltd. Add +18.0% 0.02% +0.00
SYK Stryker Corp. Add +7.9% 0.05% +0.00
MCD McDonald's Corp. Add +1.5% 0.10% −0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 172$580.8MSPYM, SPY, SPMD, JPST, IVV
Q1 2026 173$585.1MSPYM, SPY, SPMD, JPST, IVV
Q4 2025 170$589.6MSPYM, SPY, SPMD, IVV, JPST
Q3 2025 165$584.8MSPYM, JPST, SPY, MINT, IVV
Q2 2025 158$545.0MSPYM, JPST, SPY, MINT, IVV
Q1 2025 146$477.9MIVV, SPYM, IJH, SPY, SPMD
Q4 2024 149$495.6MIVV, IJH, SPY, SPYM, IWF
Q3 2024 146$437.7MIVV, SPY, IJH, SPYM, IWF
Q2 2024 141$413.9MIVV, SPY, IJH, SPYM, IWF
Q1 2024 156$441.0MIVV, SPY, IJH, SPYM, IWF