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

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 Q1 2025 Q2 2025: $545.0M $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 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
COST Costco Wholesale Corp. 0.07% 380 $376K No change
MGV Vngrd Mrgstr MG CP VL ETF-Ui 0.07% 2,865 $376K No change
XSW SS SPDR S&P Soft & Serv ETF 0.07% 1,979 $376K Add +6.5%
SPAB SS SPDR P Agg Bond ETF 0.07% 14,523 $372K New
GAMR Amplify Video Game LDRS ETF 0.07% 4,286 $364K No change
PSEP Innovator U.S. Equity Power 0.07% 8,825 $361K No change
IWM iShares Russell 2000 ETF 0.06% 1,639 $354K Reduce -7.1%
V Visa Inc. Class A 0.06% 993 $353K No change
IEF iShares 7-10 Year Treasury B 0.06% 3,679 $352K Reduce -21.1%
SYK Stryker Corp. 0.06% 883 $349K Add +8.7%
IRM Iron Mountain Inc. filed as IRON MTN INC DEL 0.06% 3,350 $344K No change
BJAN Innovator U.S. Equity Buffer 0.06% 6,757 $339K No change
SO The Southern Co. 0.06% 3,673 $337K No change
DFAC Dimensional US Core Equity 2 0.06% 9,410 $337K Reduce -23.8%
HD Home Depot Inc. 0.06% 910 $334K No change
XOM Exxon Mobil Corp. 0.06% 2,941 $317K Reduce -6.0%
DTE DTE Energy Company 0.06% 2,365 $313K Reduce -21.9%
VXF Vanguard Extended Market ETF 0.06% 1,606 $309K No change
EQAL Invesco Russell 1000 Equal W 0.06% 6,172 $304K No change
VEA Vanguard Ftse Developed ETF 0.06% 5,329 $304K Reduce -18.6%
PMAY Innovator U.S. Equity Power 0.05% 7,838 $296K No change
VIG Vanguard Dividend Apprec ETF 0.05% 1,446 $296K No change
NFLX Netflix Inc. 0.05% 221 $296K No change
CINF Cincinnati Financial Corp. 0.05% 1,950 $290K No change
CMG Chipotle Mexican Grill Inc. 0.05% 5,100 $286K No change
CFBK CF Bankshares Inc. 0.05% 11,843 $284K No change
ESGE iShares Inc. iShares ESG Awar 0.05% 6,948 $272K Add +0.2%
IWN iShares Russell 2000 Value E 0.05% 1,709 $270K Reduce -3.6%
BNOV Innovator U.S. Equity Buffer 0.05% 6,459 $266K No change
PM Philip Morris International 0.05% 1,441 $262K No change
BJUL Innovator U.S. Equity Buffer 0.05% 5,368 $253K No change
SUSC iShares ESG Aware Usd Corpor 0.05% 10,842 $252K Reduce -26.5%
MMM 3M Co. 0.05% 1,654 $252K Add +3.1%
VWO Vanguard Ftse Emerging Marke 0.04% 4,861 $240K Reduce -20.4%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.04% 839 $239K No change
AXP American Express Co. 0.04% 748 $239K New
SCHA Schwab US Small-Cap ETF 0.04% 9,380 $237K Add +2.0%
LMBS First Trust Low Duration Opp 0.04% 4,735 $233K Add +2.2%
RTX RTX Corp. 0.04% 1,539 $225K New
PEP Pepsico Inc. 0.04% 1,700 $224K Add +4.2%
XTN SS SPDR S&P Transport ETF 0.04% 2,777 $224K No change
PANW Palo Alto Networks Inc. 0.04% 1,092 $223K New
CL Colgate-Palmolive Co. 0.04% 2,430 $221K No change
ABBV Abbvie Inc. 0.04% 1,189 $221K Add +3.6%
CRBN Ish Low Car Opt Ms Ac ETF-US 0.04% 1,038 $220K Reduce -13.4%
BBIO Bridgebio Pharma Inc. 0.04% 5,000 $216K New
TSLA Tesla Inc. 0.04% 665 $211K Reduce -27.2%
AXON Axon Enterprise Inc. 0.04% 255 $211K New
PNC PNC Financial Services Group 0.04% 1,103 $206K New
FELC Fidelity Enh LRG Cap Cor ETF 0.04% 5,926 $204K New
SUSA iShares ESG Optimized MSCI U 0.04% 1,607 $204K New
BA The Boeing Co. 0.04% 972 $204K New
DE Deere & Co. 0.04% 400 $203K New
VB Vanguard Most SM-Cap ETF-Usd 0.04% 855 $203K Reduce -11.0%
WMT Walmart Inc. 0.04% 2,061 $202K New
PAVE Global X US Infrastructure 0.04% 4,605 $201K New
SLI Standard Lithium Ltd. 0.02% 53,300 $104K Reduce -26.9%
BTG B2GOLD Corp. 0.01% 17,482 $63K 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

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