Retirement Income Solutions, Inc.
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 31, 2025), Retirement Income Solutions, Inc. reported 149 stock positions worth $495.6 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 32.8% of the portfolio, followed by iShares Core S&P Midcap ETF (IJH, 11.0%) and SS SPDR S&P 500 ETF Trust-US (SPY, 8.6%). Compared with Q3 2024, it opened 9 new positions, sold out of 6, added to 36 and reduced 39. The biggest buy was iShares Core S&P 500 ETF (IVV, shares +23%) and the biggest sale SS SPDR S&P 500 ETF Trust-US (SPY, shares −3%).
- Most Recent 13F
- Q2 2026
- Location
- ANN ARBOR, MI
- CIK
- 0001730386
- Portfolio Value
- $495.6M (Q4 2024)
- SEC Filing
- 0000950123-25-000760 ↗ filed Jan 31, 2025
Holdings Value
Holdings 149 stocks · $495.6M
| IVV iShares Core S&P 500 ETF | 32.78% | 275,946 | $162.4M | Add +23.2% |
| IJH iShares Core S&P Midcap ETF | 11.00% | 874,842 | $54.5M | Add +27.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 8.60% | 72,704 | $42.6M | Reduce -2.7% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 6.25% | 449,041 | $31.0M | Add +17.3% |
| IWF iShares Russell 1000 Growth | 3.84% | 47,432 | $19.0M | Reduce -2.8% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 2.39% | 216,775 | $11.9M | Add +12.1% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 1.92% | 197,562 | $9.5M | Reduce -0.8% |
| ESGU iShares ESG Aware MSCI USA | 1.83% | 70,313 | $9.1M | Add +37.8% |
| QQQ Invesco QQQ Trust Series 1 | 1.51% | 14,628 | $7.5M | Reduce -3.6% |
| GLDM SPDR Gold Minishares Trust | 1.40% | 133,659 | $6.9M | Add +0.3% |
| IWD iShares Russell 1000 Value E | 1.34% | 35,833 | $6.6M | Reduce -4.2% |
| IWB iShares Russell 1000 ETF | 1.32% | 20,301 | $6.5M | Reduce -2.2% |
| RSP Invesco S&P 500 Equal Weight | 1.24% | 35,172 | $6.2M | Add +12.8% |
| MDY State Street SPDR S&P Midcap | 1.24% | 10,751 | $6.1M | Reduce -0.1% |
| AAPL Apple Inc. | 1.08% | 21,444 | $5.4M | Add +4.6% |
| FESM Fidelity Enhanced Small Cap | 0.99% | 151,762 | $4.9M | New |
| ACWI iShares MSCI Acwi ETF | 0.97% | 40,754 | $4.8M | Add +2.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.94% | 17,666 | $4.7M | Reduce -9.8% |
| AMZN Amazon.com Inc. | 0.85% | 19,106 | $4.2M | Reduce -1.3% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.83% | 46,636 | $4.1M | Reduce -4.4% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.68% | 66,069 | $3.4M | Add +7.2% |
| XLK SS Technology Select Sector | 0.60% | 12,700 | $3.0M | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.54% | 5,903 | $2.7M | Reduce -1.8% |
| IVW iShares S&P 500 Growth ETF | 0.54% | 26,155 | $2.7M | Add +8.7% |
| MSFT Microsoft Corp. | 0.51% | 6,020 | $2.5M | Reduce -8.6% |
| VOO Vanguard S&P 500 ETF | 0.51% | 4,668 | $2.5M | Add +8.7% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.46% | 5,521 | $2.3M | No change |
| IWR iShares Russell Mid-Cap ETF | 0.45% | 25,176 | $2.2M | Add +2.3% |
| EFA iShares MSCI Eafe ETF | 0.44% | 29,077 | $2.2M | Reduce -5.9% |
| IVE iShares S&P 500 Value ETF | 0.40% | 10,463 | $2.0M | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.37% | 6,327 | $1.8M | Add +0.7% |
| LLY Eli Lilly & Co. | 0.33% | 2,144 | $1.7M | Reduce -4.4% |
| POCT Innovator U.S. Equity Power | 0.33% | 41,308 | $1.6M | No change |
| SCHG Schwab US Large-Cap Growth | 0.32% | 56,200 | $1.6M | No change |
| PNOV Innovator U.S. Equity Power | 0.31% | 40,218 | $1.5M | No change |
| GOOGL Alphabet Inc. Class A | 0.30% | 7,968 | $1.5M | No change |
| PDEC Innovator U.S. Equity Power | 0.28% | 36,060 | $1.4M | Reduce -3.5% |
| GOOG Alphabet Inc. Class C | 0.26% | 6,820 | $1.3M | Reduce -1.6% |
| NVDA Nvidia Corp. | 0.24% | 8,911 | $1.2M | Add +6.0% |
| GLD SPDR Gold Shares | 0.24% | 4,920 | $1.2M | Reduce -1.9% |
| SMH Vaneck Semiconductor ETF | 0.23% | 4,758 | $1.2M | Add +6.3% |
| PHO Invesco Water Resources ETF | 0.23% | 17,034 | $1.1M | No change |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.20% | 5,982 | $1.0M | Add +1.9% |
| JPM JPMorgan Chase & Co. | 0.20% | 4,194 | $1.0M | Reduce -4.8% |
| IEI iShares 3-7 Year Treasury Bo | 0.20% | 8,379 | $968K | Reduce -68.5% |
| PG The Procter & Gamble Co. | 0.19% | 5,636 | $945K | No change |
| XLE SS Energy Select Sector | 0.19% | 10,921 | $935K | Reduce -9.2% |
| AVDE Avantis International Equity | 0.19% | 15,017 | $922K | Add +163.0% |
| VONE Vanguard Russell 1000 | 0.18% | 3,377 | $901K | Add +17.7% |
| MRK Merck & Co. Inc. | 0.18% | 8,827 | $878K | Reduce -4.2% |
| BKLC BNY Mellon US LRG Cap Cor | 0.17% | 7,660 | $858K | Reduce -1.8% |
| PJAN Innovator U.S. Equity Power | 0.16% | 19,039 | $804K | No change |
| EFIV SS SPDR S&P 500 ESG ETF | 0.15% | 13,597 | $768K | Reduce -0.3% |
| EAGG iShares ESG Aware US Aggrega | 0.15% | 16,360 | $760K | Reduce -8.9% |
| EEM iShares MSCI Emerging Market | 0.15% | 17,780 | $744K | Add +26.4% |
| ORCL Oracle Corp. | 0.15% | 4,386 | $731K | No change |
| IWP iShares Russell Mid-Cap Grow | 0.14% | 5,417 | $687K | No change |
| DBEF Xtrackers MSCI Eafe Hedged E | 0.14% | 16,394 | $679K | Add +0.9% |
| KO The Coca-Cola Co. | 0.13% | 10,567 | $658K | No change |
| IWS iShares Russell Mid-Cap Valu | 0.13% | 4,964 | $642K | Reduce -15.5% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.13% | 5,757 | $635K | No change |
| BJUN Innovator U.S. Equity Buffer | 0.13% | 15,080 | $626K | No change |
| URTH iShares MSCI World ETF | 0.13% | 3,985 | $620K | No change |
| SCHX Schwab US Large-Cap ETF | 0.12% | 26,700 | $619K | Reduce -20.1% |
| SPEM State Street SP PTF Em ETF | 0.12% | 15,863 | $609K | Reduce -9.2% |
| XME SS SPDR S&P Metals Mining | 0.12% | 10,349 | $587K | No change |
| IEF iShares 7-10 Year Treasury B | 0.11% | 6,150 | $569K | Reduce -54.3% |
| ECL Ecolab Inc. | 0.11% | 2,409 | $564K | No change |
| IUSG iShares Core S&P U.S. Growth | 0.11% | 4,014 | $559K | Add +0.3% |
| JNJ Johnson & Johnson | 0.11% | 3,815 | $552K | Reduce -10.9% |
| SHY iShares 1-3 Year Treasury Bo | 0.11% | 6,438 | $528K | Reduce -54.9% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.10% | 2,030 | $515K | Reduce -5.3% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.10% | 1,499 | $515K | Add +67.3% |
| CRM Salesforce Inc. | 0.10% | 1,496 | $500K | No change |
| PAPR Innovator U.S. Equity Power | 0.10% | 13,545 | $497K | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.10% | 4,419 | $492K | Reduce -0.6% |
| VEA Vanguard Ftse Developed ETF | 0.10% | 10,105 | $483K | Add +89.6% |
| ETN Eaton Corp. PLC | 0.10% | 1,430 | $475K | No change |
| XLF SS Financial Select Sector | 0.09% | 9,686 | $468K | Add +59.9% |
| PJUL Innovator U.S. Equity Power | 0.09% | 10,869 | $447K | No change |
| VYM Vanguard High DVD Yield ETF | 0.09% | 3,444 | $439K | Reduce -10.7% |
| EDIV State Street SPDR S&P Emergi | 0.09% | 12,282 | $433K | Add +20.8% |
| MCD McDonald's Corp. | 0.09% | 1,487 | $431K | Reduce -12.0% |
| DFAC Dimensional US Core Equity 2 | 0.09% | 12,347 | $427K | No change |
| AMGN Amgen Inc. | 0.08% | 1,571 | $409K | No change |
| PLTR Palantir Technologies Inc. Class A | 0.08% | 5,302 | $401K | New |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.08% | 1,807 | $397K | No change |
| PEP Pepsico Inc. | 0.08% | 2,611 | $397K | Reduce -7.2% |
| IWM iShares Russell 2000 ETF | 0.08% | 1,764 | $390K | Add +34.4% |
| LNT Alliant Energy Corp. | 0.08% | 6,502 | $385K | No change |
| PAUG Innovator U.S. Equity Power | 0.07% | 9,432 | $363K | No change |
| SUSC iShares ESG Aware Usd Corpor | 0.07% | 15,933 | $362K | No change |
| DTE DTE Energy Company | 0.07% | 2,983 | $360K | Add +0.9% |
| EFAX State Street SPDR MSCI Eafe | 0.07% | 9,043 | $360K | Add +4.9% |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.07% | 2,865 | $358K | No change |
| HD Home Depot Inc. | 0.07% | 910 | $354K | No change |
| IRM Iron Mountain Inc. filed as IRON MTN INC DEL | 0.07% | 3,350 | $352K | No change |
| XSW SS SPDR S&P Soft & Serv ETF | 0.07% | 1,859 | $351K | Add +9.1% |
| COST Costco Wholesale Corp. | 0.07% | 380 | $348K | Add +3.5% |
| PSEP Innovator U.S. Equity Power | 0.07% | 8,825 | $345K | No change |
Portfolio Sells Q3 2024 → Q4 2024
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -2.7% | 8.60% | −1.19 |
| IEI iShares 3-7 Year Treasury Bo | Reduce -68.5% | 0.20% | −0.53 |
| IWF iShares Russell 1000 Growth | Reduce -2.8% | 3.84% | −0.34 |
| IWD iShares Russell 1000 Value E | Reduce -4.2% | 1.34% | −0.28 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -9.8% | 0.94% | −0.24 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -0.8% | 1.92% | −0.23 |
| IEF iShares 7-10 Year Treasury B | Reduce -54.3% | 0.11% | −0.19 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -3.6% | 1.51% | −0.18 |
| IWB iShares Russell 1000 ETF | Reduce -2.2% | 1.32% | −0.17 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -54.9% | 0.11% | −0.16 |
| MDY State Street SPDR S&P Midcap | Reduce -0.1% | 1.24% | −0.16 |
| EFA iShares MSCI Eafe ETF | Reduce -5.9% | 0.44% | −0.15 |
| MSFT Microsoft Corp. | Reduce -8.6% | 0.51% | −0.14 |
| LLY Eli Lilly & Co. | Reduce -4.4% | 0.33% | −0.12 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -4.4% | 0.83% | −0.10 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -1.8% | 0.54% | −0.09 |
| VEU Vanguard Ftse All-World Ex-U | Sold out | 0.00% | −0.06 |
| MRK Merck & Co. Inc. | Reduce -4.2% | 0.18% | −0.06 |
| NVO Novo-Nordisk A/S-Spons ADR | Sold out | 0.00% | −0.06 |
| WMT Walmart Inc. | Sold out | 0.00% | −0.05 |
| XLE SS Energy Select Sector | Reduce -9.2% | 0.19% | −0.05 |
| CAT Caterpillar Inc. | Sold out | 0.00% | −0.05 |
| LMBS First Trust Low Duration Opp | Sold out | 0.00% | −0.05 |
| IWS iShares Russell Mid-Cap Valu | Reduce -15.5% | 0.13% | −0.05 |
| SCHX Schwab US Large-Cap ETF | Reduce -20.1% | 0.12% | −0.05 |
| PDEC Innovator U.S. Equity Power | Reduce -3.5% | 0.28% | −0.05 |
| JNJ Johnson & Johnson | Reduce -10.9% | 0.11% | −0.05 |
| BSCU Invesco Bulletshares 2030 CB | Sold out | 0.00% | −0.05 |
| EAGG iShares ESG Aware US Aggrega | Reduce -8.9% | 0.15% | −0.05 |
| SPEM State Street SP PTF Em ETF | Reduce -9.2% | 0.12% | −0.04 |
| XLV SS Health Care Select Sector | Reduce -35.2% | 0.04% | −0.04 |
| GLD SPDR Gold Shares | Reduce -1.9% | 0.24% | −0.04 |
| XOM Exxon Mobil Corp. | Reduce -17.3% | 0.07% | −0.03 |
| MCD McDonald's Corp. | Reduce -12.0% | 0.09% | −0.03 |
| PEP Pepsico Inc. | Reduce -7.2% | 0.08% | −0.03 |
| CL Colgate-Palmolive Co. | Reduce -16.5% | 0.04% | −0.02 |
| VYM Vanguard High DVD Yield ETF | Reduce -10.7% | 0.09% | −0.02 |
| BKLC BNY Mellon US LRG Cap Cor | Reduce -1.8% | 0.17% | −0.02 |
| EFIV SS SPDR S&P 500 ESG ETF | Reduce -0.3% | 0.15% | −0.02 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Reduce -5.3% | 0.10% | −0.02 |
| JPM JPMorgan Chase & Co. | Reduce -4.8% | 0.20% | −0.01 |
| PBW Invesco Wilderhill Clean Ene | Reduce -0.7% | 0.04% | −0.01 |
| GOOG Alphabet Inc. Class C | Reduce -1.6% | 0.26% | −0.00 |
| DIS The Walt Disney Co. | Reduce -0.6% | 0.10% | +0.00 |
| AMZN Amazon.com Inc. | Reduce -1.3% | 0.85% | +0.02 |
Portfolio Buys Q3 2024 → Q4 2024
| IVV iShares Core S&P 500 ETF | Add +23.2% | 32.78% | +3.26 |
| IJH iShares Core S&P Midcap ETF | Add +27.3% | 11.00% | +1.21 |
| FESM Fidelity Enhanced Small Cap | New | 0.99% | +0.99 |
| ESGU iShares ESG Aware MSCI USA | Add +37.8% | 1.83% | +0.36 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +17.3% | 6.25% | +0.34 |
| AVDE Avantis International Equity | Add +163.0% | 0.19% | +0.10 |
| PLTR Palantir Technologies Inc. Class A | New | 0.08% | +0.08 |
| EQAL Invesco Russell 1000 Equal W | New | 0.06% | +0.06 |
| BNDX Vanguard Total Intl Bond ETF | New | 0.06% | +0.06 |
| VWO Vanguard Ftse Emerging Marke | New | 0.05% | +0.05 |
| CRBN Ish Low Car Opt Ms Ac ETF-US | New | 0.05% | +0.05 |
| CLOA iShares Aaa Clo Act ETF-Usdi | New | 0.05% | +0.05 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Add +67.3% | 0.10% | +0.04 |
| VEA Vanguard Ftse Developed ETF | Add +89.6% | 0.10% | +0.03 |
| XLF SS Financial Select Sector | Add +59.9% | 0.09% | +0.03 |
| BKD Brookdale Senior Living Inc. | New | 0.02% | +0.02 |
| IWM iShares Russell 2000 ETF | Add +34.4% | 0.08% | +0.01 |
| VONE Vanguard Russell 1000 | Add +17.7% | 0.18% | +0.01 |
| BBAI Bigbear.ai Holdings Inc. | New | 0.01% | +0.01 |
| IVW iShares S&P 500 Growth ETF | Add +8.7% | 0.54% | +0.01 |
| XSW SS SPDR S&P Soft & Serv ETF | Add +9.1% | 0.07% | +0.01 |
| NVDA Nvidia Corp. | Add +6.0% | 0.24% | +0.01 |
| EEM iShares MSCI Emerging Market | Add +26.4% | 0.15% | +0.00 |
| EDIV State Street SPDR S&P Emergi | Add +20.8% | 0.09% | 0.00 |
| AGNC AGNC Investment Corp. | Add +27.3% | 0.02% | −0.00 |
| COST Costco Wholesale Corp. | Add +3.5% | 0.07% | −0.00 |
| IWN iShares Russell 2000 Value E | Add +4.7% | 0.06% | −0.01 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +12.6% | 0.07% | −0.01 |
| IUSG iShares Core S&P U.S. Growth | Add +0.3% | 0.11% | −0.01 |
| AAPL Apple Inc. | Add +4.6% | 1.08% | −0.01 |
| VOO Vanguard S&P 500 ETF | Add +8.7% | 0.51% | −0.01 |
| ESGE iShares Inc. iShares ESG Awar | Add +0.3% | 0.04% | −0.01 |
| EFAX State Street SPDR MSCI Eafe | Add +4.9% | 0.07% | −0.01 |
| DTE DTE Energy Company | Add +0.9% | 0.07% | −0.01 |
| LRCX Lam Research Corp. | Add +2.4% | 0.06% | −0.02 |
| SMH Vaneck Semiconductor ETF | Add +6.3% | 0.23% | −0.02 |
| DBEF Xtrackers MSCI Eafe Hedged E | Add +0.9% | 0.14% | −0.02 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +12.1% | 2.39% | −0.02 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +1.9% | 0.20% | −0.03 |
| RSP Invesco S&P 500 Equal Weight | Add +12.8% | 1.24% | −0.03 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.7% | 0.37% | −0.04 |
| IWR iShares Russell Mid-Cap ETF | Add +2.3% | 0.45% | −0.05 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +7.2% | 0.68% | −0.06 |
| ACWI iShares MSCI Acwi ETF | Add +2.9% | 0.97% | −0.12 |
| GLDM SPDR Gold Minishares Trust | Add +0.3% | 1.40% | −0.19 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 172 | $580.8M | SPYM, SPY, SPMD, JPST, IVV |
| Q1 2026 | 173 | $585.1M | SPYM, SPY, SPMD, JPST, IVV |
| Q4 2025 | 170 | $589.6M | SPYM, SPY, SPMD, IVV, JPST |
| Q3 2025 | 165 | $584.8M | SPYM, JPST, SPY, MINT, IVV |
| Q2 2025 | 158 | $545.0M | SPYM, JPST, SPY, MINT, IVV |
| Q1 2025 | 146 | $477.9M | IVV, SPYM, IJH, SPY, SPMD |
| Q4 2024 | 149 | $495.6M | IVV, IJH, SPY, SPYM, IWF |
| Q3 2024 | 146 | $437.7M | IVV, SPY, IJH, SPYM, IWF |
| Q2 2024 | 141 | $413.9M | IVV, SPY, IJH, SPYM, IWF |
| Q1 2024 | 156 | $441.0M | IVV, SPY, IJH, SPYM, IWF |