Retirement Income Solutions, Inc.

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed November 8, 2024), Retirement Income Solutions, Inc. reported 146 stock positions worth $437.7 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 29.5% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 9.8%) and iShares Core S&P Midcap ETF (IJH, 9.8%). Compared with Q2 2024, it opened 8 new positions, sold out of 3, added to 19 and reduced 49. The biggest buy was iShares Core S&P 500 ETF (IVV, shares +2%) and the biggest sale SS SPDR S&P 500 ETF Trust-US (SPY, shares −1%).

Most Recent 13F
Q2 2026
Location
ANN ARBOR, MI
CIK
0001730386
Portfolio Value
$437.7M (Q3 2024)
SEC Filing
0000950123-24-010634 ↗ filed Nov 8, 2024

Holdings Value

0$200.0M$400.0M$600.0M Q1 2024: $441.0M Q1 2024 Q2 2024: $413.9M Q2 2024 Q3 2024: $437.7M $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 146 stocks · $437.7M
IVV iShares Core S&P 500 ETF 29.51% 223,974 $129.2M Add +2.0%
SPY SS SPDR S&P 500 ETF Trust-US 9.79% 74,703 $42.9M Reduce -1.1%
IJH iShares Core S&P Midcap ETF 9.79% 687,425 $42.8M Add +2.1%
SPYM Ste STR SPDR PT S&P 500 ETF 5.90% 382,806 $25.8M Add +0.4%
IWF iShares Russell 1000 Growth 4.18% 48,789 $18.3M Reduce -0.0%
SPMD SS SPDR P S&P 400 Midcap ETF 2.42% 193,369 $10.6M Reduce -0.1%
SPYX SS SPDR S&P 500 Foss FL ETF 2.15% 199,204 $9.4M Reduce -3.6%
QQQ Invesco QQQ Trust Series 1 1.69% 15,175 $7.4M Add +0.8%
IWD iShares Russell 1000 Value E 1.62% 37,388 $7.1M Reduce -1.2%
GLDM SPDR Gold Minishares Trust 1.59% 133,310 $6.9M Add +0.9%
IWB iShares Russell 1000 ETF 1.49% 20,752 $6.5M Reduce -0.2%
ESGU iShares ESG Aware MSCI USA 1.47% 51,034 $6.4M Add +4.2%
MDY State Street SPDR S&P Midcap 1.40% 10,760 $6.1M Reduce -0.2%
RSP Invesco S&P 500 Equal Weight 1.28% 31,180 $5.6M No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 1.18% 19,575 $5.2M Reduce -2.9%
AAPL Apple Inc. 1.09% 20,503 $4.8M Reduce -3.0%
ACWI iShares MSCI Acwi ETF 1.08% 39,612 $4.7M Reduce -0.6%
SPYG SS SPDR P S&P 500 Growth ETF 0.92% 48,764 $4.0M Reduce -1.7%
AMZN Amazon.com Inc. 0.82% 19,361 $3.6M Reduce -0.4%
SPYV SS SPDR P S&P 500 Value ETF 0.74% 61,642 $3.3M Add +0.1%
IEI iShares 3-7 Year Treasury Bo 0.73% 26,621 $3.2M Reduce -6.3%
XLK SS Technology Select Sector 0.66% 12,700 $2.9M Reduce -1.0%
MSFT Microsoft Corp. 0.65% 6,589 $2.8M Add +0.4%
BRK.B Berkshire Hathaway Inc. Class B 0.63% 6,013 $2.8M Reduce -4.1%
EFA iShares MSCI Eafe ETF 0.59% 30,890 $2.6M Add +1.3%
IVW iShares S&P 500 Growth ETF 0.53% 24,073 $2.3M No change
VOO Vanguard S&P 500 ETF 0.52% 4,293 $2.3M Add +0.7%
IWR iShares Russell Mid-Cap ETF 0.50% 24,607 $2.2M No change
VUG Vanguard Mrngstar GR ETF-Sui 0.48% 5,521 $2.1M Reduce -1.0%
IVE iShares S&P 500 Value ETF 0.47% 10,463 $2.1M Reduce -3.4%
LLY Eli Lilly & Co. 0.45% 2,243 $2.0M Reduce -0.7%
VTI VG Morningstar TS MKT ETF-US 0.41% 6,283 $1.8M No change
POCT Innovator U.S. Equity Power 0.37% 41,308 $1.6M Reduce -1.4%
PNOV Innovator U.S. Equity Power 0.34% 40,218 $1.5M Reduce -2.4%
SCHG Schwab US Large-Cap Growth 0.33% 14,050 $1.5M No change
PDEC Innovator U.S. Equity Power 0.33% 37,382 $1.4M Reduce -19.2%
GOOGL Alphabet Inc. Class A 0.30% 7,968 $1.3M Reduce -2.5%
IEF iShares 7-10 Year Treasury B 0.30% 13,448 $1.3M Reduce -6.2%
GLD SPDR Gold Shares 0.28% 5,014 $1.2M No change
PHO Invesco Water Resources ETF 0.27% 17,034 $1.2M No change
SHY iShares 1-3 Year Treasury Bo 0.27% 14,281 $1.2M Reduce -5.6%
GOOG Alphabet Inc. Class C 0.26% 6,934 $1.2M Reduce -1.9%
SMH Vaneck Semiconductor ETF 0.25% 4,476 $1.1M Add +1.4%
XLE SS Energy Select Sector 0.24% 12,031 $1.1M Reduce -5.3%
MRK Merck & Co. Inc. 0.24% 9,215 $1.0M Reduce -2.6%
VTV Vanguard Mrngstr Val ETF-Aui 0.23% 5,873 $1.0M No change
NVDA Nvidia Corp. 0.23% 8,408 $1.0M Reduce -5.2%
PG The Procter & Gamble Co. 0.22% 5,636 $976K No change
JPM JPMorgan Chase & Co. 0.21% 4,403 $928K No change
EAGG iShares ESG Aware US Aggrega 0.20% 17,957 $873K Reduce -0.7%
BKLC BNY Mellon US LRG Cap Cor 0.20% 7,797 $854K Reduce -6.2%
PJAN Innovator U.S. Equity Power 0.18% 19,039 $787K No change
IWS iShares Russell Mid-Cap Valu 0.18% 5,875 $777K No change
EFIV SS SPDR S&P 500 ESG ETF 0.17% 13,636 $760K No change
KO The Coca-Cola Co. 0.17% 10,567 $759K Reduce -0.6%
SCHX Schwab US Large-Cap ETF 0.17% 11,138 $756K No change
ORCL Oracle Corp. 0.17% 4,386 $747K Reduce -3.2%
VONE Vanguard Russell 1000 0.17% 2,870 $746K No change
SPEM State Street SP PTF Em ETF 0.16% 17,475 $721K No change
JNJ Johnson & Johnson 0.16% 4,280 $694K Reduce -1.4%
DBEF Xtrackers MSCI Eafe Hedged E 0.16% 16,253 $683K No change
XME SS SPDR S&P Metals Mining 0.15% 10,349 $659K Reduce -10.6%
EEM iShares MSCI Emerging Market 0.15% 14,070 $645K Reduce -5.4%
IWP iShares Russell Mid-Cap Grow 0.15% 5,417 $635K No change
DSI iShares ESG MSCI KLD 400 ETF 0.14% 5,757 $626K No change
URTH iShares MSCI World ETF 0.14% 3,985 $625K No change
ECL Ecolab Inc. 0.14% 2,409 $615K No change
BJUN Innovator U.S. Equity Buffer 0.14% 15,080 $614K No change
IUSG iShares Core S&P U.S. Growth 0.12% 4,000 $528K No change
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.12% 2,144 $522K No change
MCD McDonald's Corp. 0.12% 1,689 $514K No change
AMGN Amgen Inc. 0.12% 1,571 $506K No change
VYM Vanguard High DVD Yield ETF 0.11% 3,857 $494K No change
PAPR Innovator U.S. Equity Power 0.11% 13,545 $487K No change
PEP Pepsico Inc. 0.11% 2,813 $478K Add +0.1%
ETN Eaton Corp. PLC 0.11% 1,430 $474K Reduce -2.9%
XOM Exxon Mobil Corp. 0.10% 3,786 $444K Reduce -34.1%
PJUL Innovator U.S. Equity Power 0.10% 10,869 $440K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.10% 4,444 $427K No change
DFAC Dimensional US Core Equity 2 0.10% 12,347 $423K Add +3.7%
CRM Salesforce Inc. 0.09% 1,496 $409K Reduce -0.9%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.09% 1,807 $399K Reduce -17.9%
IRM Iron Mountain Inc. filed as IRON MTN INC DEL 0.09% 3,350 $398K No change
LNT Alliant Energy Corp. 0.09% 6,502 $395K No change
EDIV State Street SPDR S&P Emergi 0.09% 10,164 $383K Add +38.1%
AVDE Avantis International Equity 0.09% 5,710 $383K No change
DTE DTE Energy Company 0.09% 2,957 $380K Add +1.6%
SUSC iShares ESG Aware Usd Corpor 0.09% 15,933 $379K No change
EFAX State Street SPDR MSCI Eafe 0.09% 8,619 $377K No change
DFAX Dimensional World Ex US Core 0.08% 13,691 $370K No change
HD Home Depot Inc. 0.08% 910 $369K No change
MGV Vngrd Mrgstr MG CP VL ETF-Ui 0.08% 2,865 $368K Reduce -8.2%
PAUG Innovator U.S. Equity Power 0.08% 9,432 $357K No change
XLV SS Health Care Select Sector 0.08% 2,290 $353K Add +9.8%
LRCX Lam Research Corp. 0.08% 420 $343K Reduce -10.1%
PSEP Innovator U.S. Equity Power 0.08% 8,825 $340K No change
SO The Southern Co. 0.08% 3,673 $331K Reduce -5.2%
COST Costco Wholesale Corp. 0.07% 367 $325K Reduce -5.2%
VOE Vngrd Mrngstr MD-Cap Val ETF 0.07% 1,931 $324K New
EMXC iShares MSCI Emr MRK Ex Chna 0.07% 5,290 $323K No change
BJAN Innovator U.S. Equity Buffer 0.07% 6,757 $315K No change
CL Colgate-Palmolive Co. 0.07% 2,910 $302K No change
IWV iShares Russell 3000 ETF 0.07% 924 $302K No change
CMG Chipotle Mexican Grill Inc. 0.07% 5,100 $294K No change
PJUN Innovator U.S. Equity Power 0.07% 7,938 $293K No change
VXF Vanguard Extended Market ETF 0.07% 1,606 $292K No change
TT Trane Technologies PLC 0.07% 748 $291K Reduce -4.3%
IWM iShares Russell 2000 ETF 0.07% 1,313 $290K No change
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.07% 896 $288K Reduce -25.6%
VIG Vanguard Dividend Apprec ETF 0.07% 1,446 $286K No change
IWN iShares Russell 2000 Value E 0.07% 1,709 $285K No change
GAMR Amplify Video Game LDRS ETF 0.06% 4,286 $282K No change
VEA Vanguard Ftse Developed ETF 0.06% 5,329 $281K No change
PMAY Innovator U.S. Equity Power 0.06% 7,838 $276K Reduce -38.0%
VEU Vanguard Ftse All-World Ex-U 0.06% 4,375 $276K No change
XLF SS Financial Select Sector 0.06% 6,059 $275K Add +11.4%
XSW SS SPDR S&P Soft & Serv ETF 0.06% 1,704 $274K No change
V Visa Inc. Class A 0.06% 993 $273K No change
CINF Cincinnati Financial Corp. 0.06% 1,950 $265K No change
HON Honeywell International Inc. 0.06% 1,279 $264K No change
CFBK CF Bankshares Inc. 0.06% 11,843 $256K No change
TMO Thermo Fisher Scientific Inc. 0.06% 408 $252K No change
AVGO Broadcom Inc. 0.06% 1,450 $250K No change
BNOV Innovator U.S. Equity Buffer 0.06% 6,459 $246K No change
NVO Novo-Nordisk A/S-Spons ADR 0.06% 2,056 $245K No change
WMT Walmart Inc. 0.05% 2,961 $239K Reduce -5.4%
SCHA Schwab US Small-Cap ETF 0.05% 4,598 $237K No change
ESGE iShares Inc. iShares ESG Awar 0.05% 6,469 $236K Add +4.4%
BJUL Innovator U.S. Equity Buffer 0.05% 5,368 $234K No change
XTN SS SPDR S&P Transport ETF 0.05% 2,777 $229K No change
VB Vanguard Most SM-Cap ETF-Usd 0.05% 961 $228K No change
ABBV Abbvie Inc. 0.05% 1,148 $227K New
OC Owens Corning 0.05% 1,283 $226K No change
CAT Caterpillar Inc. 0.05% 566 $221K New
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.05% 839 $221K No change
LMBS First Trust Low Duration Opp 0.05% 4,469 $221K Add +1.9%
MMM 3M Co. 0.05% 1,604 $219K New
PBW Invesco Wilderhill Clean Ene 0.05% 10,597 $212K No change
EZM Wisdomtree US Midcap Fund 0.05% 3,291 $205K New
MDYG SS SPDR S&P 400 MC GR ETF 0.05% 2,322 $204K New
BSCU Invesco Bulletshares 2030 CB 0.05% 11,941 $202K No change
SLI Standard Lithium Ltd. 0.03% 72,900 $116K Reduce -1.4%
AGNC AGNC Investment Corp. 0.03% 10,507 $110K New
XJQCX Nuveen Credit Strategies Inc. 0.02% 14,107 $82K Reduce -7.5%
BTG B2GOLD Corp. 0.01% 17,482 $54K New
ZOMDF Zomedica Corp. 0.00% 20,353 $3K No change

Portfolio Sells Q2 2024 → Q3 2024
SPY SS SPDR S&P 500 ETF Trust-US Reduce -1.1% 9.79% −0.14
IWF iShares Russell 1000 Growth Reduce -0.0% 4.18% −0.11
PDEC Innovator U.S. Equity Power Reduce -19.2% 0.33% −0.09
AMZN Amazon.com Inc. Reduce -0.4% 0.82% −0.08
CMCSA Comcast Corp. Class A Sold out 0.00% −0.08
SPYX SS SPDR S&P 500 Foss FL ETF Reduce -3.6% 2.15% −0.08
IEI iShares 3-7 Year Treasury Bo Reduce -6.3% 0.73% −0.07
XOM Exxon Mobil Corp. Reduce -34.1% 0.10% −0.06
GOOGL Alphabet Inc. Class A Reduce -2.5% 0.30% −0.06
NFLX Netflix Inc. Sold out 0.00% −0.05
SYK Stryker Corp. Sold out 0.00% −0.05
GOOG Alphabet Inc. Class C Reduce -1.9% 0.26% −0.05
XLK SS Technology Select Sector Reduce -1.0% 0.66% −0.05
MRK Merck & Co. Inc. Reduce -2.6% 0.24% −0.04
LRCX Lam Research Corp. Reduce -10.1% 0.08% −0.04
PMAY Innovator U.S. Equity Power Reduce -38.0% 0.06% −0.04
LLY Eli Lilly & Co. Reduce -0.7% 0.45% −0.04
XLE SS Energy Select Sector Reduce -5.3% 0.24% −0.04
SPYG SS SPDR P S&P 500 Growth ETF Reduce -1.7% 0.92% −0.04
NVDA Nvidia Corp. Reduce -5.2% 0.23% −0.03
SHY iShares 1-3 Year Treasury Bo Reduce -5.6% 0.27% −0.03
MGK Vngrd Mrgstr MG CP GR ETF-Ui Reduce -25.6% 0.07% −0.03
IEF iShares 7-10 Year Treasury B Reduce -6.2% 0.30% −0.02
PNOV Innovator U.S. Equity Power Reduce -2.4% 0.34% −0.02
POCT Innovator U.S. Equity Power Reduce -1.4% 0.37% −0.02
VUG Vanguard Mrngstar GR ETF-Sui Reduce -1.0% 0.48% −0.02
XME SS SPDR S&P Metals Mining Reduce -10.6% 0.15% −0.02
BKLC BNY Mellon US LRG Cap Cor Reduce -6.2% 0.20% −0.01
EEM iShares MSCI Emerging Market Reduce -5.4% 0.15% −0.01
MGV Vngrd Mrgstr MG CP VL ETF-Ui Reduce -8.2% 0.08% −0.01
COST Costco Wholesale Corp. Reduce -5.2% 0.07% −0.01
IVE iShares S&P 500 Value ETF Reduce -3.4% 0.47% −0.01
EAGG iShares ESG Aware US Aggrega Reduce -0.7% 0.20% −0.00
IWB iShares Russell 1000 ETF Reduce -0.2% 1.49% −0.00
ETN Eaton Corp. PLC Reduce -2.9% 0.11% −0.00
XJQCX Nuveen Credit Strategies Inc. Reduce -7.5% 0.02% −0.00
IBM Intl Business Machines Corp. Reduce -17.9% 0.09% −0.00
ACWI iShares MSCI Acwi ETF Reduce -0.6% 1.08% −0.00
CRM Salesforce Inc. Reduce -0.9% 0.09% −0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -2.9% 1.18% +0.00
SO The Southern Co. Reduce -5.2% 0.08% +0.00
WMT Walmart Inc. Reduce -5.4% 0.05% +0.00
TT Trane Technologies PLC Reduce -4.3% 0.07% +0.00
SLI Standard Lithium Ltd. Reduce -1.4% 0.03% +0.00
JNJ Johnson & Johnson Reduce -1.4% 0.16% +0.01
MDY State Street SPDR S&P Midcap Reduce -0.2% 1.40% +0.01
KO The Coca-Cola Co. Reduce -0.6% 0.17% +0.01
AAPL Apple Inc. Reduce -3.0% 1.09% +0.02
SPMD SS SPDR P S&P 400 Midcap ETF Reduce -0.1% 2.42% +0.02
ORCL Oracle Corp. Reduce -3.2% 0.17% +0.02

Portfolio Buys Q2 2024 → Q3 2024
IVV iShares Core S&P 500 ETF Add +2.0% 29.51% +0.49
IJH iShares Core S&P Midcap ETF Add +2.1% 9.79% +0.27
GLDM SPDR Gold Minishares Trust Add +0.9% 1.59% +0.12
VOE Vngrd Mrngstr MD-Cap Val ETF New 0.07% +0.07
ESGU iShares ESG Aware MSCI USA Add +4.2% 1.47% +0.06
ABBV Abbvie Inc. New 0.05% +0.05
CAT Caterpillar Inc. New 0.05% +0.05
MMM 3M Co. New 0.05% +0.05
EZM Wisdomtree US Midcap Fund New 0.05% +0.05
MDYG SS SPDR S&P 400 MC GR ETF New 0.05% +0.05
AGNC AGNC Investment Corp. New 0.03% +0.03
EDIV State Street SPDR S&P Emergi Add +38.1% 0.09% +0.02
SPYV SS SPDR P S&P 500 Value ETF Add +0.1% 0.74% +0.02
EFA iShares MSCI Eafe ETF Add +1.3% 0.59% +0.01
BTG B2GOLD Corp. New 0.01% +0.01
DTE DTE Energy Company Add +1.6% 0.09% +0.01
XLF SS Financial Select Sector Add +11.4% 0.06% +0.01
SPYM Ste STR SPDR PT S&P 500 ETF Add +0.4% 5.90% +0.01
XLV SS Health Care Select Sector Add +9.8% 0.08% +0.01
DFAC Dimensional US Core Equity 2 Add +3.7% 0.10% +0.00
ESGE iShares Inc. iShares ESG Awar Add +4.4% 0.05% +0.00
VOO Vanguard S&P 500 ETF Add +0.7% 0.52% +0.00
LMBS First Trust Low Duration Opp Add +1.9% 0.05% −0.00
PEP Pepsico Inc. Add +0.1% 0.11% −0.00
SMH Vaneck Semiconductor ETF Add +1.4% 0.25% −0.03
QQQ Invesco QQQ Trust Series 1 Add +0.8% 1.69% −0.05
MSFT Microsoft Corp. Add +0.4% 0.65% −0.06

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