Retirement Income Solutions, Inc.
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 15, 2025), Retirement Income Solutions, Inc. reported 158 stock positions worth $545.0 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 21.6% of the portfolio, followed by JPMorgan Ultra-Short Income (JPST, 8.6%) and SS SPDR S&P 500 ETF Trust-US (SPY, 8.1%). Compared with Q1 2025, it opened 20 new positions, sold out of 8, added to 33 and reduced 53. The biggest buy was Ste STR SPDR PT S&P 500 ETF (SPYM, shares +80%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −71%).
- Most Recent 13F
- Q2 2026
- Location
- ANN ARBOR, MI
- CIK
- 0001730386
- Portfolio Value
- $545.0M (Q2 2025)
- SEC Filing
- 0000950123-25-006374 ↗ filed Jul 15, 2025
Holdings Value
Holdings 158 stocks · $545.0M
| SPYM Ste STR SPDR PT S&P 500 ETF | 21.64% | 1,622,431 | $117.9M | Add +79.7% |
| JPST JPMorgan Ultra-Short Income | 8.63% | 927,651 | $47.0M | New |
| SPY SS SPDR S&P 500 ETF Trust-US | 8.15% | 71,881 | $44.4M | Reduce -0.7% |
| MINT PIMCO Enhanced Short Maturit | 7.62% | 413,332 | $41.6M | New |
| IVV iShares Core S&P 500 ETF | 7.33% | 64,346 | $40.0M | Reduce -71.2% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 6.03% | 603,915 | $32.8M | Add +60.4% |
| IWF iShares Russell 1000 Growth | 3.45% | 44,279 | $18.8M | Reduce -4.1% |
| IJH iShares Core S&P Midcap ETF | 2.94% | 258,226 | $16.0M | Reduce -65.8% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 1.66% | 178,080 | $9.1M | Reduce -6.8% |
| GLDM SPDR Gold Minishares Trust | 1.63% | 135,221 | $8.9M | Add +0.3% |
| QQQ Invesco QQQ Trust Series 1 | 1.46% | 14,382 | $7.9M | Reduce -0.8% |
| RSP Invesco S&P 500 Equal Weight | 1.27% | 37,981 | $6.9M | Add +6.5% |
| IWB iShares Russell 1000 ETF | 1.24% | 19,924 | $6.8M | Reduce -0.9% |
| ESGU iShares ESG Aware MSCI USA | 1.24% | 49,777 | $6.7M | Reduce -29.1% |
| IWD iShares Russell 1000 Value E | 1.20% | 33,789 | $6.6M | Reduce -5.9% |
| JMUB JPMorgan Municipal ETF | 1.15% | 126,703 | $6.3M | Add +0.4% |
| MDY State Street SPDR S&P Midcap | 1.08% | 10,388 | $5.9M | Reduce -2.8% |
| ACWI iShares MSCI Acwi ETF | 0.94% | 40,022 | $5.1M | Add +0.7% |
| FESM Fidelity Enhanced Small Cap | 0.79% | 135,327 | $4.3M | Reduce -17.6% |
| AAPL Apple Inc. | 0.79% | 21,045 | $4.3M | Reduce -1.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.74% | 14,389 | $4.0M | Reduce -2.3% |
| AMZN Amazon.com Inc. | 0.72% | 17,986 | $3.9M | Reduce -1.1% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.64% | 36,812 | $3.5M | Reduce -3.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.58% | 6,543 | $3.2M | Add +9.8% |
| XLK SS Technology Select Sector | 0.57% | 12,214 | $3.1M | Reduce -2.1% |
| MSFT Microsoft Corp. | 0.55% | 6,018 | $3.0M | Add +2.3% |
| IVW iShares S&P 500 Growth ETF | 0.53% | 26,469 | $2.9M | Add +1.3% |
| EFA iShares MSCI Eafe ETF | 0.48% | 29,432 | $2.6M | Reduce -12.9% |
| VOO Vanguard S&P 500 ETF | 0.45% | 4,293 | $2.4M | Reduce -8.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.44% | 5,521 | $2.4M | No change |
| SPYV SS SPDR P S&P 500 Value ETF | 0.43% | 44,295 | $2.3M | Reduce -10.5% |
| IWR iShares Russell Mid-Cap ETF | 0.41% | 24,481 | $2.3M | Reduce -2.8% |
| VTI VG Morningstar TS MKT ETF-US | 0.39% | 7,032 | $2.1M | Add +11.9% |
| IVE iShares S&P 500 Value ETF | 0.37% | 10,441 | $2.0M | Reduce -0.2% |
| LLY Eli Lilly & Co. | 0.32% | 2,220 | $1.7M | Add +3.5% |
| POCT Innovator U.S. Equity Power | 0.30% | 39,920 | $1.6M | Reduce -3.4% |
| SCHG Schwab US Large-Cap Growth | 0.30% | 56,200 | $1.6M | Reduce -2.1% |
| PNOV Innovator U.S. Equity Power | 0.29% | 39,639 | $1.6M | No change |
| PDEC Innovator U.S. Equity Power | 0.28% | 38,677 | $1.5M | No change |
| NVDA Nvidia Corp. | 0.27% | 9,224 | $1.5M | Add +1.9% |
| GLD SPDR Gold Shares | 0.27% | 4,758 | $1.5M | Reduce -3.3% |
| GOOGL Alphabet Inc. Class A | 0.26% | 8,185 | $1.4M | Add +2.7% |
| AVDE Avantis International Equity | 0.26% | 19,140 | $1.4M | Add +49.6% |
| SMH Vaneck Semiconductor ETF | 0.24% | 4,686 | $1.3M | Reduce -2.7% |
| GOOG Alphabet Inc. Class C | 0.22% | 6,820 | $1.2M | No change |
| PHO Invesco Water Resources ETF | 0.22% | 17,034 | $1.2M | No change |
| JPM JPMorgan Chase & Co. | 0.22% | 4,099 | $1.2M | Reduce -2.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.19% | 5,758 | $1.0M | Reduce -3.7% |
| CWI State Street SPDR MSCI Acwi | 0.18% | 29,457 | $962K | New |
| ORCL Oracle Corp. | 0.18% | 4,386 | $959K | No change |
| PJAN Innovator U.S. Equity Power | 0.17% | 21,486 | $946K | Add +0.4% |
| PG The Procter & Gamble Co. | 0.17% | 5,868 | $935K | Add +4.1% |
| VEU Vanguard Ftse All-World Ex-U | 0.17% | 13,433 | $903K | New |
| BKLC BNY Mellon US LRG Cap Cor | 0.16% | 7,460 | $883K | No change |
| XLE SS Energy Select Sector | 0.16% | 10,382 | $880K | Reduce -4.9% |
| EFIV SS SPDR S&P 500 ESG ETF | 0.16% | 14,609 | $855K | Add +7.4% |
| EEM iShares MSCI Emerging Market | 0.15% | 17,115 | $826K | Reduce -3.7% |
| VONE Vanguard Russell 1000 | 0.15% | 2,870 | $806K | Reduce -15.0% |
| KO The Coca-Cola Co. | 0.14% | 10,635 | $752K | Add +0.6% |
| IWP iShares Russell Mid-Cap Grow | 0.14% | 5,417 | $751K | No change |
| IEI iShares 3-7 Year Treasury Bo | 0.14% | 6,196 | $738K | Reduce -6.3% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.13% | 2,490 | $734K | Add +4.1% |
| SHY iShares 1-3 Year Treasury Bo | 0.13% | 8,534 | $707K | Add +0.4% |
| MRK Merck & Co. Inc. | 0.13% | 8,827 | $699K | No change |
| XME SS SPDR S&P Metals Mining | 0.13% | 10,349 | $696K | No change |
| SCHX Schwab US Large-Cap ETF | 0.13% | 28,455 | $695K | Add +6.6% |
| EAGG iShares ESG Aware US Aggrega | 0.13% | 14,429 | $686K | Reduce -15.5% |
| DBEF Xtrackers MSCI Eafe Hedged E | 0.12% | 15,448 | $676K | Reduce -5.8% |
| URTH iShares MSCI World ETF | 0.12% | 3,985 | $675K | No change |
| BJUN Innovator U.S. Equity Buffer | 0.12% | 15,080 | $660K | No change |
| ECL Ecolab Inc. | 0.12% | 2,409 | $649K | No change |
| VBIL Vanguard 0-3M T-Bill ETF | 0.12% | 8,344 | $630K | New |
| SPTS SS SPDR P St Term TSY ETF | 0.11% | 21,003 | $615K | New |
| IUSG iShares Core S&P U.S. Growth | 0.11% | 4,000 | $602K | No change |
| IWS iShares Russell Mid-Cap Valu | 0.11% | 4,548 | $601K | No change |
| SPEM State Street SP PTF Em ETF | 0.11% | 13,759 | $588K | Reduce -16.6% |
| JNJ Johnson & Johnson | 0.11% | 3,830 | $585K | Add +0.4% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.11% | 2,030 | $577K | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.10% | 4,419 | $548K | No change |
| EDIV State Street SPDR S&P Emergi | 0.10% | 14,169 | $540K | Add +29.1% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.10% | 1,454 | $532K | Reduce -2.0% |
| PJUL Innovator U.S. Equity Power | 0.10% | 12,013 | $527K | Add +10.5% |
| ETN Eaton Corp. PLC | 0.09% | 1,430 | $510K | No change |
| DSI iShares ESG MSCI KLD 400 ETF | 0.09% | 4,392 | $510K | Reduce -23.7% |
| PAPR Innovator U.S. Equity Power | 0.09% | 13,545 | $505K | No change |
| PLTR Palantir Technologies Inc. Class A | 0.09% | 3,633 | $495K | No change |
| EFAX State Street SPDR MSCI Eafe | 0.09% | 10,263 | $486K | Add +0.3% |
| XLF SS Financial Select Sector | 0.09% | 9,265 | $485K | Reduce -9.0% |
| VYM Vanguard High DVD Yield ETF | 0.08% | 3,444 | $459K | No change |
| AMGN Amgen Inc. | 0.08% | 1,571 | $439K | No change |
| MSTR Strategy Inc. filed as MICROSTRATEGY INC | 0.08% | 1,072 | $433K | New |
| MCD McDonald's Corp. | 0.08% | 1,439 | $420K | Reduce -1.0% |
| LRCX Lam Research Corp. | 0.08% | 4,300 | $419K | No change |
| FBTC Fidelity Wise Origin Bitcoin | 0.08% | 4,389 | $413K | Reduce -10.8% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.07% | 6,390 | $403K | No change |
| DFAX Dimensional World Ex US Core | 0.07% | 13,691 | $402K | No change |
| AVGO Broadcom Inc. | 0.07% | 1,450 | $400K | No change |
| LNT Alliant Energy Corp. | 0.07% | 6,502 | $393K | No change |
| CRM Salesforce Inc. | 0.07% | 1,423 | $388K | Reduce -4.9% |
| PAUG Innovator U.S. Equity Power | 0.07% | 9,432 | $382K | No change |
Portfolio Sells Q1 2025 → Q2 2025
| IVV iShares Core S&P 500 ETF | Reduce -71.2% | 7.33% | −18.96 |
| IJH iShares Core S&P Midcap ETF | Reduce -65.8% | 2.94% | −6.27 |
| ESGU iShares ESG Aware MSCI USA | Reduce -29.1% | 1.24% | −0.55 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.7% | 8.15% | −0.32 |
| FESM Fidelity Enhanced Small Cap | Reduce -17.6% | 0.79% | −0.22 |
| IWD iShares Russell 1000 Value E | Reduce -5.9% | 1.20% | −0.21 |
| AAPL Apple Inc. | Reduce -1.3% | 0.79% | −0.20 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -6.8% | 1.66% | −0.17 |
| MDY State Street SPDR S&P Midcap | Reduce -2.8% | 1.08% | −0.11 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -10.5% | 0.43% | −0.10 |
| EFA iShares MSCI Eafe ETF | Reduce -12.9% | 0.48% | −0.10 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Sold out | 0.00% | −0.06 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -2.3% | 0.74% | −0.06 |
| VOO Vanguard S&P 500 ETF | Reduce -8.0% | 0.45% | −0.05 |
| XLE SS Energy Select Sector | Reduce -4.9% | 0.16% | −0.05 |
| IWB iShares Russell 1000 ETF | Reduce -0.9% | 1.24% | −0.05 |
| HON Honeywell International Inc. | Sold out | 0.00% | −0.04 |
| IVE iShares S&P 500 Value ETF | Reduce -0.2% | 0.37% | −0.04 |
| SUN Sunoco LP | Sold out | 0.00% | −0.04 |
| TMO Thermo Fisher Scientific Inc. | Sold out | 0.00% | −0.04 |
| IWF iShares Russell 1000 Growth | Reduce -4.1% | 3.45% | −0.04 |
| EAGG iShares ESG Aware US Aggrega | Reduce -15.5% | 0.13% | −0.04 |
| IWR iShares Russell Mid-Cap ETF | Reduce -2.8% | 0.41% | −0.04 |
| PBW Invesco Wilderhill Clean Ene | Sold out | 0.00% | −0.03 |
| POCT Innovator U.S. Equity Power | Reduce -3.4% | 0.30% | −0.03 |
| VONE Vanguard Russell 1000 | Reduce -15.0% | 0.15% | −0.03 |
| GLD SPDR Gold Shares | Reduce -3.3% | 0.27% | −0.03 |
| DTE DTE Energy Company | Reduce -21.9% | 0.06% | −0.03 |
| BKD Brookdale Senior Living Inc. | Sold out | 0.00% | −0.03 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -23.7% | 0.09% | −0.03 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -3.7% | 0.19% | −0.03 |
| IEF iShares 7-10 Year Treasury B | Reduce -21.1% | 0.06% | −0.03 |
| IEI iShares 3-7 Year Treasury Bo | Reduce -6.3% | 0.14% | −0.03 |
| SPEM State Street SP PTF Em ETF | Reduce -16.6% | 0.11% | −0.03 |
| AGNC AGNC Investment Corp. | Sold out | 0.00% | −0.03 |
| SUSC iShares ESG Aware Usd Corpor | Reduce -26.5% | 0.05% | −0.02 |
| DBEF Xtrackers MSCI Eafe Hedged E | Reduce -5.8% | 0.12% | −0.02 |
| DFAC Dimensional US Core Equity 2 | Reduce -23.8% | 0.06% | −0.02 |
| CRBN Ish Low Car Opt Ms Ac ETF-US | Reduce -13.4% | 0.04% | −0.02 |
| XOM Exxon Mobil Corp. | Reduce -6.0% | 0.06% | −0.02 |
| MCD McDonald's Corp. | Reduce -1.0% | 0.08% | −0.02 |
| XLF SS Financial Select Sector | Reduce -9.0% | 0.09% | −0.02 |
| XJQCX Nuveen Credit Strategies Inc. | Sold out | 0.00% | −0.02 |
| VEA Vanguard Ftse Developed ETF | Reduce -18.6% | 0.06% | −0.01 |
| VWO Vanguard Ftse Emerging Marke | Reduce -20.4% | 0.04% | −0.01 |
| CRM Salesforce Inc. | Reduce -4.9% | 0.07% | −0.01 |
| EEM iShares MSCI Emerging Market | Reduce -3.7% | 0.15% | −0.01 |
| TSLA Tesla Inc. | Reduce -27.2% | 0.04% | −0.01 |
| IWM iShares Russell 2000 ETF | Reduce -7.1% | 0.06% | −0.01 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -11.0% | 0.04% | −0.01 |
Portfolio Buys Q1 2025 → Q2 2025
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +79.7% | 21.64% | +9.22 |
| JPST JPMorgan Ultra-Short Income | New | 8.63% | +8.63 |
| MINT PIMCO Enhanced Short Maturit | New | 7.62% | +7.62 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +60.4% | 6.03% | +1.99 |
| CWI State Street SPDR MSCI Acwi | New | 0.18% | +0.18 |
| VEU Vanguard Ftse All-World Ex-U | New | 0.17% | +0.17 |
| VBIL Vanguard 0-3M T-Bill ETF | New | 0.12% | +0.12 |
| SPTS SS SPDR P St Term TSY ETF | New | 0.11% | +0.11 |
| MSFT Microsoft Corp. | Add +2.3% | 0.55% | +0.09 |
| AVDE Avantis International Equity | Add +49.6% | 0.26% | +0.08 |
| MSTR Strategy Inc. | New | 0.08% | +0.08 |
| SPAB SS SPDR P Agg Bond ETF | New | 0.07% | +0.07 |
| NVDA Nvidia Corp. | Add +1.9% | 0.27% | +0.06 |
| AXP American Express Co. | New | 0.04% | +0.04 |
| RTX RTX Corp. | New | 0.04% | +0.04 |
| PANW Palo Alto Networks Inc. | New | 0.04% | +0.04 |
| BBIO Bridgebio Pharma Inc. | New | 0.04% | +0.04 |
| AXON Axon Enterprise Inc. | New | 0.04% | +0.04 |
| PNC PNC Financial Services Group | New | 0.04% | +0.04 |
| FELC Fidelity Enh LRG Cap Cor ETF | New | 0.04% | +0.04 |
| BA The Boeing Co. | New | 0.04% | +0.04 |
| SUSA iShares ESG Optimized MSCI U | New | 0.04% | +0.04 |
| DE Deere & Co. | New | 0.04% | +0.04 |
| WMT Walmart Inc. | New | 0.04% | +0.04 |
| PAVE Global X US Infrastructure | New | 0.04% | +0.04 |
| VTI VG Morningstar TS MKT ETF-US | Add +11.9% | 0.39% | +0.03 |
| IVW iShares S&P 500 Growth ETF | Add +1.3% | 0.53% | +0.03 |
| EDIV State Street SPDR S&P Emergi | Add +29.1% | 0.10% | +0.02 |
| IBM Intl Business Machines Corp. | Add +4.1% | 0.13% | +0.01 |
| GOOGL Alphabet Inc. Class A | Add +2.7% | 0.26% | +0.01 |
| XSW SS SPDR S&P Soft & Serv ETF | Add +6.5% | 0.07% | +0.01 |
| PJUL Innovator U.S. Equity Power | Add +10.5% | 0.10% | +0.01 |
| EFIV SS SPDR S&P 500 ESG ETF | Add +7.4% | 0.16% | +0.00 |
| SCHX Schwab US Large-Cap ETF | Add +6.6% | 0.13% | +0.00 |
| SYK Stryker Corp. | Add +8.7% | 0.06% | +0.00 |
| ESGE iShares Inc. iShares ESG Awar | Add +0.2% | 0.05% | −0.00 |
| SCHA Schwab US Small-Cap ETF | Add +2.0% | 0.04% | −0.00 |
| EFAX State Street SPDR MSCI Eafe | Add +0.3% | 0.09% | −0.00 |
| MMM 3M Co. | Add +3.1% | 0.05% | −0.00 |
| LMBS First Trust Low Duration Opp | Add +2.2% | 0.04% | −0.00 |
| ABBV Abbvie Inc. | Add +3.6% | 0.04% | −0.01 |
| PEP Pepsico Inc. | Add +4.2% | 0.04% | −0.01 |
| PJAN Innovator U.S. Equity Power | Add +0.4% | 0.17% | −0.01 |
| SHY iShares 1-3 Year Treasury Bo | Add +0.4% | 0.13% | −0.02 |
| KO The Coca-Cola Co. | Add +0.6% | 0.14% | −0.02 |
| ACWI iShares MSCI Acwi ETF | Add +0.7% | 0.94% | −0.02 |
| JNJ Johnson & Johnson | Add +0.4% | 0.11% | −0.03 |
| RSP Invesco S&P 500 Equal Weight | Add +6.5% | 1.27% | −0.03 |
| PG The Procter & Gamble Co. | Add +4.1% | 0.17% | −0.03 |
| LLY Eli Lilly & Co. | Add +3.5% | 0.32% | −0.05 |
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 |