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

0$200.0M$400.0M$600.0M Q1 2024: $441.0M Q1 2024 Q2 2024: $413.9M Q2 2024 Q3 2024: $437.7M Q3 2024 Q4 2024: $495.6M $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 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
DFAX Dimensional World Ex US Core 0.07% 13,691 $340K No change
XOM Exxon Mobil Corp. 0.07% 3,130 $337K Reduce -17.3%
AVGO Broadcom Inc. 0.07% 1,450 $336K No change
EMXC iShares MSCI Emr MRK Ex Chna 0.07% 5,956 $330K Add +12.6%
BJAN Innovator U.S. Equity Buffer 0.07% 6,757 $324K No change
V Visa Inc. Class A 0.06% 993 $314K No change
VOE Vngrd Mrngstr MD-Cap Val ETF 0.06% 1,931 $312K No change
LRCX Lam Research Corp. 0.06% 4,300 $311K Add +2.4%
IWV iShares Russell 3000 ETF 0.06% 924 $309K No change
CMG Chipotle Mexican Grill Inc. 0.06% 5,100 $308K No change
VXF Vanguard Extended Market ETF 0.06% 1,606 $305K No change
CFBK CF Bankshares Inc. 0.06% 11,843 $302K No change
SO The Southern Co. 0.06% 3,673 $302K No change
EQAL Invesco Russell 1000 Equal W 0.06% 6,172 $298K New
PJUN Innovator U.S. Equity Power 0.06% 7,938 $298K No change
BNDX Vanguard Total Intl Bond ETF 0.06% 6,040 $296K New
IWN iShares Russell 2000 Value E 0.06% 1,790 $294K Add +4.7%
HON Honeywell International Inc. 0.06% 1,279 $289K No change
VIG Vanguard Dividend Apprec ETF 0.06% 1,446 $283K No change
PMAY Innovator U.S. Equity Power 0.06% 7,838 $281K No change
GAMR Amplify Video Game LDRS ETF 0.06% 4,286 $280K No change
CINF Cincinnati Financial Corp. 0.06% 1,950 $280K No change
TT Trane Technologies PLC 0.06% 748 $276K No change
VWO Vanguard Ftse Emerging Marke 0.05% 5,925 $261K New
BNOV Innovator U.S. Equity Buffer 0.05% 6,459 $254K No change
XTN SS SPDR S&P Transport ETF 0.05% 2,777 $241K No change
BJUL Innovator U.S. Equity Buffer 0.05% 5,368 $239K No change
SCHA Schwab US Small-Cap ETF 0.05% 9,196 $238K No change
CRBN Ish Low Car Opt Ms Ac ETF-US 0.05% 1,199 $232K New
CLOA iShares Aaa Clo Act ETF-Usdi 0.05% 4,472 $232K New
VB Vanguard Most SM-Cap ETF-Usd 0.05% 961 $231K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.05% 839 $226K No change
CL Colgate-Palmolive Co. 0.04% 2,430 $221K Reduce -16.5%
OC Owens Corning 0.04% 1,283 $219K No change
ESGE iShares Inc. iShares ESG Awar 0.04% 6,490 $217K Add +0.3%
TMO Thermo Fisher Scientific Inc. 0.04% 408 $212K No change
PBW Invesco Wilderhill Clean Ene 0.04% 10,526 $211K Reduce -0.7%
MMM 3M Co. 0.04% 1,604 $207K No change
EZM Wisdomtree US Midcap Fund 0.04% 3,291 $206K No change
XLV SS Health Care Select Sector 0.04% 1,483 $204K Reduce -35.2%
ABBV Abbvie Inc. 0.04% 1,148 $204K No change
MDYG SS SPDR S&P 400 MC GR ETF 0.04% 2,322 $202K No change
AGNC AGNC Investment Corp. 0.02% 13,380 $123K Add +27.3%
BKD Brookdale Senior Living Inc. 0.02% 22,742 $114K New
SLI Standard Lithium Ltd. 0.02% 72,900 $105K No change
XJQCX Nuveen Credit Strategies Inc. 0.02% 14,107 $80K No change
BBAI Bigbear.ai Holdings Inc. 0.01% 10,471 $47K New
BTG B2GOLD Corp. 0.01% 17,482 $43K No change
ZOMDF Zomedica Corp. 0.00% 20,353 $2K 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

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