Retirement Income Solutions, Inc.

In its 13F for Q1 2025 (holdings as of March 31, 2025, filed May 6, 2025), Retirement Income Solutions, Inc. reported 146 stock positions worth $477.9 million. Its top holding was iShares Core S&P 500 ETF (IVV) at 26.3% of the portfolio, followed by Ste STR SPDR PT S&P 500 ETF (SPYM, 12.4%) and iShares Core S&P Midcap ETF (IJH, 9.2%). Compared with Q4 2024, it opened 8 new positions, sold out of 11, added to 23 and reduced 35. The biggest buy was Ste STR SPDR PT S&P 500 ETF (SPYM, shares +101%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −19%).

Most Recent 13F
Q2 2026
Location
ANN ARBOR, MI
CIK
0001730386
Portfolio Value
$477.9M (Q1 2025)
SEC Filing
0000950123-25-004086 ↗ filed May 6, 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 Q4 2024 Q1 2025: $477.9M $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 · $477.9M
IVV iShares Core S&P 500 ETF 26.29% 223,649 $125.7M Reduce -18.9%
SPYM Ste STR SPDR PT S&P 500 ETF 12.42% 902,832 $59.4M Add +101.1%
IJH iShares Core S&P Midcap ETF 9.21% 754,344 $44.0M Reduce -13.8%
SPY SS SPDR S&P 500 ETF Trust-US 8.47% 72,384 $40.5M Reduce -0.4%
SPMD SS SPDR P S&P 400 Midcap ETF 4.03% 376,561 $19.3M Add +73.7%
IWF iShares Russell 1000 Growth 3.49% 46,167 $16.7M Reduce -2.7%
SPYX SS SPDR S&P 500 Foss FL ETF 1.83% 191,130 $8.7M Reduce -3.3%
ESGU iShares ESG Aware MSCI USA 1.79% 70,173 $8.6M Reduce -0.2%
GLDM SPDR Gold Minishares Trust 1.75% 134,884 $8.3M Add +0.9%
QQQ Invesco QQQ Trust Series 1 1.42% 14,497 $6.8M Reduce -0.9%
IWD iShares Russell 1000 Value E 1.41% 35,920 $6.8M Add +0.2%
JMUB JPMorgan Municipal ETF 1.32% 126,238 $6.3M New
RSP Invesco S&P 500 Equal Weight 1.29% 35,663 $6.2M Add +1.4%
IWB iShares Russell 1000 ETF 1.29% 20,102 $6.2M Reduce -1.0%
MDY State Street SPDR S&P Midcap 1.19% 10,683 $5.7M Reduce -0.6%
FESM Fidelity Enhanced Small Cap 1.01% 164,160 $4.8M Add +8.2%
AAPL Apple Inc. 0.99% 21,314 $4.7M Reduce -0.6%
ACWI iShares MSCI Acwi ETF 0.97% 39,757 $4.6M Reduce -2.5%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.80% 14,720 $3.8M Reduce -16.7%
AMZN Amazon.com Inc. 0.72% 18,190 $3.5M Reduce -4.8%
BRK.B Berkshire Hathaway Inc. Class B 0.66% 5,960 $3.2M Add +1.0%
SPYG SS SPDR P S&P 500 Growth ETF 0.64% 38,183 $3.1M Reduce -18.1%
EFA iShares MSCI Eafe ETF 0.58% 33,808 $2.8M Add +16.3%
XLK SS Technology Select Sector 0.54% 12,473 $2.6M Reduce -1.8%
SPYV SS SPDR P S&P 500 Value ETF 0.53% 49,491 $2.5M Reduce -25.1%
IVW iShares S&P 500 Growth ETF 0.51% 26,135 $2.4M Reduce -0.1%
VOO Vanguard S&P 500 ETF 0.50% 4,668 $2.4M No change
MSFT Microsoft Corp. 0.46% 5,883 $2.2M Reduce -2.3%
IWR iShares Russell Mid-Cap ETF 0.45% 25,176 $2.1M No change
VUG Vanguard Mrngstar GR ETF-Sui 0.43% 5,521 $2.0M No change
IVE iShares S&P 500 Value ETF 0.42% 10,463 $2.0M No change
LLY Eli Lilly & Co. 0.37% 2,144 $1.8M No change
VTI VG Morningstar TS MKT ETF-US 0.36% 6,283 $1.7M Reduce -0.7%
POCT Innovator U.S. Equity Power 0.34% 41,308 $1.6M No change
PNOV Innovator U.S. Equity Power 0.31% 39,639 $1.5M Reduce -1.4%
PDEC Innovator U.S. Equity Power 0.30% 38,677 $1.5M Add +7.3%
SCHG Schwab US Large-Cap Growth 0.30% 57,436 $1.4M Add +2.2%
GLD SPDR Gold Shares 0.30% 4,920 $1.4M No change
GOOGL Alphabet Inc. Class A 0.26% 7,968 $1.2M No change
PHO Invesco Water Resources ETF 0.23% 17,034 $1.1M No change
GOOG Alphabet Inc. Class C 0.22% 6,820 $1.1M No change
VTV Vanguard Mrngstr Val ETF-Aui 0.22% 5,982 $1.0M No change
JPM JPMorgan Chase & Co. 0.22% 4,194 $1.0M No change
XLE SS Energy Select Sector 0.21% 10,921 $1.0M No change
SMH Vaneck Semiconductor ETF 0.21% 4,815 $1.0M Add +1.2%
NVDA Nvidia Corp. 0.21% 9,052 $981K Add +1.6%
PG The Procter & Gamble Co. 0.20% 5,636 $960K No change
PJAN Innovator U.S. Equity Power 0.19% 21,400 $887K Add +12.4%
VONE Vanguard Russell 1000 0.18% 3,377 $857K No change
AVDE Avantis International Equity 0.18% 12,790 $848K Reduce -14.8%
BKLC BNY Mellon US LRG Cap Cor 0.17% 7,460 $793K Reduce -2.6%
MRK Merck & Co. Inc. 0.17% 8,827 $792K No change
IEI iShares 3-7 Year Treasury Bo 0.16% 6,612 $781K Reduce -21.1%
EAGG iShares ESG Aware US Aggrega 0.16% 17,067 $777K Add +4.3%
EEM iShares MSCI Emerging Market 0.16% 17,780 $777K No change
KO The Coca-Cola Co. 0.16% 10,567 $757K No change
EFIV SS SPDR S&P 500 ESG ETF 0.15% 13,597 $727K No change
DBEF Xtrackers MSCI Eafe Hedged E 0.15% 16,394 $710K No change
SHY iShares 1-3 Year Treasury Bo 0.15% 8,498 $703K Add +32.0%
SPEM State Street SP PTF Em ETF 0.14% 16,507 $650K Add +4.1%
IWP iShares Russell Mid-Cap Grow 0.13% 5,417 $636K No change
JNJ Johnson & Johnson 0.13% 3,815 $633K No change
ORCL Oracle Corp. 0.13% 4,386 $613K No change
BJUN Innovator U.S. Equity Buffer 0.13% 15,080 $611K No change
ECL Ecolab Inc. 0.13% 2,409 $611K No change
URTH iShares MSCI World ETF 0.13% 3,985 $610K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.12% 2,391 $595K Add +32.3%
DSI iShares ESG MSCI KLD 400 ETF 0.12% 5,757 $590K No change
SCHX Schwab US Large-Cap ETF 0.12% 26,700 $590K No change
XME SS SPDR S&P Metals Mining 0.12% 10,349 $579K No change
IWS iShares Russell Mid-Cap Valu 0.12% 4,548 $573K Reduce -8.4%
IUSG iShares Core S&P U.S. Growth 0.11% 4,000 $508K Reduce -0.3%
XLF SS Financial Select Sector 0.11% 10,184 $507K Add +5.1%
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.10% 2,030 $497K No change
AMGN Amgen Inc. 0.10% 1,571 $489K No change
PAPR Innovator U.S. Equity Power 0.10% 13,545 $483K No change
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.10% 1,484 $458K Reduce -1.0%
MCD McDonald's Corp. 0.10% 1,454 $454K Reduce -2.2%
IEF iShares 7-10 Year Treasury B 0.09% 4,662 $445K Reduce -24.2%
VYM Vanguard High DVD Yield ETF 0.09% 3,444 $444K No change
EFAX State Street SPDR MSCI Eafe 0.09% 10,228 $439K Add +13.1%
PJUL Innovator U.S. Equity Power 0.09% 10,869 $437K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.09% 4,419 $436K No change
DTE DTE Energy Company 0.09% 3,028 $419K Add +1.5%
LNT Alliant Energy Corp. 0.09% 6,502 $418K No change
DFAC Dimensional US Core Equity 2 0.09% 12,347 $407K No change
CRM Salesforce Inc. 0.08% 1,496 $401K No change
EDIV State Street SPDR S&P Emergi 0.08% 10,979 $392K Reduce -10.6%
ETN Eaton Corp. PLC 0.08% 1,430 $389K No change
XOM Exxon Mobil Corp. 0.08% 3,130 $372K No change
MGV Vngrd Mrgstr MG CP VL ETF-Ui 0.08% 2,865 $369K No change
COST Costco Wholesale Corp. 0.08% 380 $359K No change
DFAX Dimensional World Ex US Core 0.08% 13,691 $359K No change
PAUG Innovator U.S. Equity Power 0.07% 9,432 $356K No change
FBTC Fidelity Wise Origin Bitcoin 0.07% 4,919 $354K New
EMXC iShares MSCI Emr MRK Ex Chna 0.07% 6,390 $352K Add +7.3%
IWM iShares Russell 2000 ETF 0.07% 1,764 $352K No change
V Visa Inc. Class A 0.07% 993 $348K No change
SUSC iShares ESG Aware Usd Corpor 0.07% 14,748 $340K Reduce -7.4%
PSEP Innovator U.S. Equity Power 0.07% 8,825 $339K No change

Show all 146 holdings

Portfolio Sells Q4 2024 → Q1 2025
IVV iShares Core S&P 500 ETF Reduce -18.9% 26.29% −6.48
IJH iShares Core S&P Midcap ETF Reduce -13.8% 9.21% −1.79
IWF iShares Russell 1000 Growth Reduce -2.7% 3.49% −0.36
SPYG SS SPDR P S&P 500 Growth ETF Reduce -18.1% 0.64% −0.19
SPYV SS SPDR P S&P 500 Value ETF Reduce -25.1% 0.53% −0.15
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -16.7% 0.80% −0.14
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.4% 8.47% −0.13
AMZN Amazon.com Inc. Reduce -4.8% 0.72% −0.12
AAPL Apple Inc. Reduce -0.6% 0.99% −0.09
SPYX SS SPDR S&P 500 Foss FL ETF Reduce -3.3% 1.83% −0.09
QQQ Invesco QQQ Trust Series 1 Reduce -0.9% 1.42% −0.09
IWV iShares Russell 3000 ETF Sold out 0.00% −0.06
PJUN Innovator U.S. Equity Power Sold out 0.00% −0.06
BNDX Vanguard Total Intl Bond ETF Sold out 0.00% −0.06
XLK SS Technology Select Sector Reduce -1.8% 0.54% −0.06
TT Trane Technologies PLC Sold out 0.00% −0.06
MSFT Microsoft Corp. Reduce -2.3% 0.46% −0.05
CLOA iShares Aaa Clo Act ETF-Usdi Sold out 0.00% −0.05
OC Owens Corning Sold out 0.00% −0.04
MDY State Street SPDR S&P Midcap Reduce -0.6% 1.19% −0.04
EZM Wisdomtree US Midcap Fund Sold out 0.00% −0.04
XLV SS Health Care Select Sector Sold out 0.00% −0.04
MDYG SS SPDR S&P 400 MC GR ETF Sold out 0.00% −0.04
ESGU iShares ESG Aware MSCI USA Reduce -0.2% 1.79% −0.04
IEI iShares 3-7 Year Treasury Bo Reduce -21.1% 0.16% −0.03
IWB iShares Russell 1000 ETF Reduce -1.0% 1.29% −0.03
PEP Pepsico Inc. Reduce -37.5% 0.05% −0.03
IVW iShares S&P 500 Growth ETF Reduce -0.1% 0.51% −0.03
VEA Vanguard Ftse Developed ETF Reduce -35.2% 0.07% −0.03
IEF iShares 7-10 Year Treasury B Reduce -24.2% 0.09% −0.02
PLTR Palantir Technologies Inc. Class A Reduce -31.5% 0.06% −0.02
HON Honeywell International Inc. Reduce -21.2% 0.04% −0.01
IWS iShares Russell Mid-Cap Valu Reduce -8.4% 0.12% −0.01
BBAI Bigbear.ai Holdings Inc. Sold out 0.00% −0.01
VTI VG Morningstar TS MKT ETF-US Reduce -0.7% 0.36% −0.01
AVDE Avantis International Equity Reduce -14.8% 0.18% −0.01
MGK Vngrd Mrgstr MG CP GR ETF-Ui Reduce -1.0% 0.10% −0.01
BKLC BNY Mellon US LRG Cap Cor Reduce -2.6% 0.17% −0.01
IUSG iShares Core S&P U.S. Growth Reduce -0.3% 0.11% −0.01
EDIV State Street SPDR S&P Emergi Reduce -10.6% 0.08% −0.01
IWN iShares Russell 2000 Value E Reduce -1.0% 0.06% −0.00
SUSC iShares ESG Aware Usd Corpor Reduce -7.4% 0.07% −0.00
ZOMDF Zomedica Corp. Sold out 0.00% −0.00
PNOV Innovator U.S. Equity Power Reduce -1.4% 0.31% +0.00
ACWI iShares MSCI Acwi ETF Reduce -2.5% 0.97% +0.00
MCD McDonald's Corp. Reduce -2.2% 0.10% +0.01

Portfolio Buys Q4 2024 → Q1 2025
SPYM Ste STR SPDR PT S&P 500 ETF Add +101.1% 12.42% +6.18
SPMD SS SPDR P S&P 400 Midcap ETF Add +73.7% 4.03% +1.64
JMUB JPMorgan Municipal ETF New 1.32% +1.32
GLDM SPDR Gold Minishares Trust Add +0.9% 1.75% +0.34
EFA iShares MSCI Eafe ETF Add +16.3% 0.58% +0.13
BRK.B Berkshire Hathaway Inc. Class B Add +1.0% 0.66% +0.12
IWD iShares Russell 1000 Value E Add +0.2% 1.41% +0.08
FBTC Fidelity Wise Origin Bitcoin New 0.07% +0.07
SYK Stryker Corp. New 0.06% +0.06
TSLA Tesla Inc. New 0.05% +0.05
RSP Invesco S&P 500 Equal Weight Add +1.4% 1.29% +0.05
PM Philip Morris International New 0.05% +0.05
LMBS First Trust Low Duration Opp New 0.05% +0.05
IBM Intl Business Machines Corp. Add +32.3% 0.12% +0.04
NFLX Netflix Inc. New 0.04% +0.04
SUN Sunoco LP New 0.04% +0.04
SHY iShares 1-3 Year Treasury Bo Add +32.0% 0.15% +0.04
PDEC Innovator U.S. Equity Power Add +7.3% 0.30% +0.02
PJAN Innovator U.S. Equity Power Add +12.4% 0.19% +0.02
FESM Fidelity Enhanced Small Cap Add +8.2% 1.01% +0.02
EFAX State Street SPDR MSCI Eafe Add +13.1% 0.09% +0.02
DTE DTE Energy Company Add +1.5% 0.09% +0.01
SPEM State Street SP PTF Em ETF Add +4.1% 0.14% +0.01
XLF SS Financial Select Sector Add +5.1% 0.11% +0.01
EAGG iShares ESG Aware US Aggrega Add +4.3% 0.16% +0.01
EMXC iShares MSCI Emr MRK Ex Chna Add +7.3% 0.07% +0.01
ESGE iShares Inc. iShares ESG Awar Add +6.8% 0.05% +0.01
VWO Vanguard Ftse Emerging Marke Add +3.1% 0.06% +0.01
SCHG Schwab US Large-Cap Growth Add +2.2% 0.30% −0.02
SMH Vaneck Semiconductor ETF Add +1.2% 0.21% −0.02
NVDA Nvidia Corp. Add +1.6% 0.21% −0.04

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