Retirement Income Solutions, Inc.

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 14, 2025), Retirement Income Solutions, Inc. reported 165 stock positions worth $584.8 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 22.2% of the portfolio, followed by JPMorgan Ultra-Short Income (JPST, 8.2%) and SS SPDR S&P 500 ETF Trust-US (SPY, 8.1%). Compared with Q2 2025, it opened 12 new positions, sold out of 5, added to 43 and reduced 34. The biggest buy was Ste STR SPDR PT S&P 500 ETF (SPYM, shares +2%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −4%).

Most Recent 13F
Q2 2026
Location
ANN ARBOR, MI
CIK
0001730386
Portfolio Value
$584.8M (Q3 2025)
SEC Filing
0001730386-25-000004 ↗ filed Oct 14, 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 Q2 2025 Q3 2025: $584.8M $584.8M Q3 2025 Q4 2025: $589.6M Q4 2025 Q1 2026: $585.1M Q1 2026 Q2 2026: $580.8M Q2 2026

Holdings 165 stocks · $584.8M
SPYM Ste STR SPDR PT S&P 500 ETF 22.21% 1,658,222 $129.9M Add +2.2%
JPST JPMorgan Ultra-Short Income 8.16% 940,277 $47.7M Add +1.4%
SPY SS SPDR S&P 500 ETF Trust-US 8.14% 71,463 $47.6M Reduce -0.6%
MINT PIMCO Enhanced Short Maturit 7.16% 415,933 $41.9M Add +0.6%
IVV iShares Core S&P 500 ETF 7.06% 61,729 $41.3M Reduce -4.1%
SPMD SS SPDR P S&P 400 Midcap ETF 6.04% 618,083 $35.3M Add +2.4%
IWF iShares Russell 1000 Growth 3.53% 44,022 $20.6M Reduce -0.6%
IJH iShares Core S&P Midcap ETF 2.83% 253,287 $16.5M Reduce -1.9%
GLDM SPDR Gold Minishares Trust 1.75% 133,593 $10.2M Reduce -1.2%
SPYX SS SPDR S&P 500 Foss FL ETF 1.62% 172,985 $9.5M Reduce -2.9%
QQQ Invesco QQQ Trust Series 1 1.49% 14,471 $8.7M Add +0.6%
ESGU iShares ESG Aware MSCI USA 1.22% 49,051 $7.1M Reduce -1.5%
RSP Invesco S&P 500 Equal Weight 1.21% 37,202 $7.1M Reduce -2.0%
IWB iShares Russell 1000 ETF 1.21% 19,298 $7.1M Reduce -3.1%
IWD iShares Russell 1000 Value E 1.17% 33,576 $6.8M Reduce -0.6%
JMUB JPMorgan Municipal ETF 1.13% 131,496 $6.6M Add +3.8%
MDY State Street SPDR S&P Midcap 1.06% 10,419 $6.2M Add +0.3%
ACWI iShares MSCI Acwi ETF 0.94% 39,925 $5.5M Reduce -0.2%
AAPL Apple Inc. 0.93% 21,315 $5.4M Add +1.3%
FESM Fidelity Enhanced Small Cap 0.87% 138,974 $5.1M Add +2.7%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.72% 14,389 $4.2M No change
AMZN Amazon.com Inc. 0.69% 18,492 $4.1M Add +2.8%
SPYG SS SPDR P S&P 500 Growth ETF 0.62% 34,835 $3.6M Reduce -5.4%
XLK SS Technology Select Sector 0.59% 12,214 $3.4M No change
BRK.B Berkshire Hathaway Inc. Class B 0.58% 6,757 $3.4M Add +3.3%
MSFT Microsoft Corp. 0.55% 6,164 $3.2M Add +2.4%
IVW iShares S&P 500 Growth ETF 0.54% 26,325 $3.2M Reduce -0.5%
EFA iShares MSCI Eafe ETF 0.51% 31,808 $3.0M Add +8.1%
VUG Vanguard Mrngstar GR ETF-Sui 0.45% 5,521 $2.6M No change
VOO Vanguard S&P 500 ETF 0.45% 4,293 $2.6M No change
SPYV SS SPDR P S&P 500 Value ETF 0.41% 43,333 $2.4M Reduce -2.2%
IWR iShares Russell Mid-Cap ETF 0.41% 24,771 $2.4M Add +1.2%
VTI VG Morningstar TS MKT ETF-US 0.39% 7,032 $2.3M No change
IVE iShares S&P 500 Value ETF 0.38% 10,799 $2.2M Add +3.4%
GOOGL Alphabet Inc. Class A 0.35% 8,401 $2.0M Add +2.6%
AVDE Avantis International Equity 0.34% 25,113 $2.0M Add +31.2%
SCHG Schwab US Large-Cap Growth 0.31% 56,200 $1.8M No change
NVDA Nvidia Corp. 0.30% 9,508 $1.8M Add +3.1%
LLY Eli Lilly & Co. 0.29% 2,232 $1.7M Add +0.5%
GOOG Alphabet Inc. Class C 0.28% 6,820 $1.7M No change
PNOV Innovator U.S. Equity Power 0.28% 39,639 $1.6M No change
PDEC Innovator U.S. Equity Power 0.28% 38,677 $1.6M No change
POCT Innovator U.S. Equity Power 0.28% 37,599 $1.6M Reduce -5.8%
GLD SPDR Gold Shares 0.27% 4,402 $1.6M Reduce -7.5%
SMH Vaneck Semiconductor ETF 0.26% 4,686 $1.5M No change
JPM JPMorgan Chase & Co. 0.22% 4,131 $1.3M Add +0.8%
ORCL Oracle Corp. 0.21% 4,386 $1.2M No change
PHO Invesco Water Resources ETF 0.21% 17,034 $1.2M No change
VTV Vanguard Mrngstr Val ETF-Aui 0.18% 5,758 $1.1M No change
CWI State Street SPDR MSCI Acwi 0.17% 28,829 $1.0M Reduce -2.1%
VEU Vanguard Ftse All-World Ex-U 0.17% 13,930 $994K Add +3.7%
PJAN Innovator U.S. Equity Power 0.17% 21,486 $984K No change
EEM iShares MSCI Emerging Market 0.17% 18,259 $975K Add +6.7%
XME SS SPDR S&P Metals Mining 0.16% 10,349 $964K No change
BKLC BNY Mellon US LRG Cap Cor 0.16% 7,460 $958K No change
XLE SS Energy Select Sector 0.16% 10,382 $928K No change
EFIV SS SPDR S&P 500 ESG ETF 0.15% 13,842 $880K Reduce -5.3%
VONE Vanguard Russell 1000 0.15% 2,870 $868K No change
IWP iShares Russell Mid-Cap Grow 0.13% 5,417 $771K No change
PG The Procter & Gamble Co. 0.13% 4,918 $756K Reduce -16.2%
SHY iShares 1-3 Year Treasury Bo 0.13% 9,039 $750K Add +5.9%
SCHX Schwab US Large-Cap ETF 0.13% 28,455 $750K No change
IEI iShares 3-7 Year Treasury Bo 0.13% 6,196 $740K No change
URTH iShares MSCI World ETF 0.12% 3,985 $724K No change
DBEF Xtrackers MSCI Eafe Hedged E 0.12% 15,448 $717K No change
KO The Coca-Cola Co. 0.12% 10,635 $705K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.12% 2,490 $703K No change
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.12% 2,361 $694K Add +16.3%
JNJ Johnson & Johnson 0.12% 3,740 $693K Reduce -2.4%
ECL Ecolab Inc. 0.12% 2,472 $677K Add +2.6%
IUSG iShares Core S&P U.S. Growth 0.11% 4,000 $658K No change
EAGG iShares ESG Aware US Aggrega 0.11% 13,635 $655K Reduce -5.5%
BJUN Innovator U.S. Equity Buffer 0.11% 14,103 $645K Reduce -6.5%
SPEM State Street SP PTF Em ETF 0.11% 13,759 $644K No change
IWS iShares Russell Mid-Cap Valu 0.11% 4,548 $635K No change
VBIL Vanguard 0-3M T-Bill ETF 0.11% 8,344 $631K No change
PLTR Palantir Technologies Inc. Class A 0.10% 3,317 $605K Reduce -8.7%
SPTS SS SPDR P St Term TSY ETF 0.10% 20,308 $595K Reduce -3.3%
DFAE Dimensional Emerging Core Eq 0.10% 18,630 $587K New
MRK Merck & Co. Inc. 0.10% 6,827 $573K Reduce -22.7%
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.10% 1,414 $569K Reduce -2.8%
LRCX Lam Research Corp. 0.10% 4,222 $565K Reduce -1.8%
ETN Eaton Corp. PLC 0.10% 1,489 $557K Add +4.1%
DSI iShares ESG MSCI KLD 400 ETF 0.09% 4,392 $553K No change
EDIV State Street SPDR S&P Emergi 0.09% 14,169 $550K No change
PJUL Innovator U.S. Equity Power 0.09% 12,013 $548K No change
AVGO Broadcom Inc. 0.09% 1,616 $533K Add +11.4%
EFAX State Street SPDR MSCI Eafe 0.09% 10,777 $531K Add +5.0%
PAPR Innovator U.S. Equity Power 0.09% 13,545 $520K No change
FBTC Fidelity Wise Origin Bitcoin 0.09% 5,132 $512K Add +16.9%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.09% 4,419 $506K No change
XLF SS Financial Select Sector 0.09% 9,265 $499K No change
ZAUG Innov Eq Protect ETF - 1 Aug 0.09% 18,821 $498K New
VYM Vanguard High DVD Yield ETF 0.08% 3,444 $485K No change
AMGN Amgen Inc. 0.08% 1,571 $443K No change
LNT Alliant Energy Corp. 0.07% 6,502 $438K No change
MCD McDonald's Corp. 0.07% 1,439 $437K No change
EMXC iShares MSCI Emr MRK Ex Chna 0.07% 6,390 $431K No change
DFAX Dimensional World Ex US Core 0.07% 13,691 $430K No change
GAMR Amplify Video Game LDRS ETF 0.07% 4,286 $414K No change

Show all 165 holdings

Portfolio Sells Q2 2025 → Q3 2025
IVV iShares Core S&P 500 ETF Reduce -4.1% 7.06% −0.27
IJH iShares Core S&P Midcap ETF Reduce -1.9% 2.83% −0.11
RSP Invesco S&P 500 Equal Weight Reduce -2.0% 1.21% −0.06
PG The Procter & Gamble Co. Reduce -16.2% 0.13% −0.04
SPYX SS SPDR S&P 500 Foss FL ETF Reduce -2.9% 1.62% −0.04
PEP Pepsico Inc. Sold out 0.00% −0.04
CL Colgate-Palmolive Co. Sold out 0.00% −0.04
AXON Axon Enterprise Inc. Sold out 0.00% −0.04
DE Deere & Co. Sold out 0.00% −0.04
PAVE Global X US Infrastructure Sold out 0.00% −0.04
IWD iShares Russell 1000 Value E Reduce -0.6% 1.17% −0.04
IWB iShares Russell 1000 ETF Reduce -3.1% 1.21% −0.04
MRK Merck & Co. Inc. Reduce -22.7% 0.10% −0.03
POCT Innovator U.S. Equity Power Reduce -5.8% 0.28% −0.03
MSTR Strategy Inc. Reduce -5.2% 0.06% −0.02
SPYG SS SPDR P S&P 500 Growth ETF Reduce -5.4% 0.62% −0.02
SPYV SS SPDR P S&P 500 Value ETF Reduce -2.2% 0.41% −0.02
SYK Stryker Corp. Reduce -12.2% 0.05% −0.02
ESGU iShares ESG Aware MSCI USA Reduce -1.5% 1.22% −0.01
EAGG iShares ESG Aware US Aggrega Reduce -5.5% 0.11% −0.01
SPTS SS SPDR P St Term TSY ETF Reduce -3.3% 0.10% −0.01
BJUN Innovator U.S. Equity Buffer Reduce -6.5% 0.11% −0.01
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.6% 8.14% −0.01
IEF iShares 7-10 Year Treasury B Reduce -4.2% 0.06% −0.01
EFIV SS SPDR S&P 500 ESG ETF Reduce -5.3% 0.15% −0.01
SPAB SS SPDR P Agg Bond ETF Reduce -3.1% 0.06% −0.01
VWO Vanguard Ftse Emerging Marke Reduce -14.0% 0.04% −0.01
CWI State Street SPDR MSCI Acwi Reduce -2.1% 0.17% −0.00
AXP American Express Co. Reduce -5.8% 0.04% −0.00
ACWI iShares MSCI Acwi ETF Reduce -0.2% 0.94% −0.00
MGK Vngrd Mrgstr MG CP GR ETF-Ui Reduce -2.8% 0.10% −0.00
HD Home Depot Inc. Reduce -1.4% 0.06% +0.00
GLD SPDR Gold Shares Reduce -7.5% 0.27% +0.00
IVW iShares S&P 500 Growth ETF Reduce -0.5% 0.54% +0.01
JNJ Johnson & Johnson Reduce -2.4% 0.12% +0.01
PLTR Palantir Technologies Inc. Class A Reduce -8.7% 0.10% +0.01
LRCX Lam Research Corp. Reduce -1.8% 0.10% +0.02
IWF iShares Russell 1000 Growth Reduce -0.6% 3.53% +0.08
GLDM SPDR Gold Minishares Trust Reduce -1.2% 1.75% +0.12

Portfolio Buys Q2 2025 → Q3 2025
SPYM Ste STR SPDR PT S&P 500 ETF Add +2.2% 22.21% +0.57
AAPL Apple Inc. Add +1.3% 0.93% +0.14
DFAE Dimensional Emerging Core Eq New 0.10% +0.10
ZAUG Innov Eq Protect ETF - 1 Aug New 0.09% +0.09
GOOGL Alphabet Inc. Class A Add +2.6% 0.35% +0.08
AVDE Avantis International Equity Add +31.2% 0.34% +0.08
FESM Fidelity Enhanced Small Cap Add +2.7% 0.87% +0.07
VLY Valley National Bancorp New 0.07% +0.07
GDX Vaneck Gold Miners ETF New 0.05% +0.05
META Meta Platforms Inc. Class A New 0.04% +0.04
SUSB iShares ESG Aware 1-5 Year U New 0.04% +0.04
IAU iShares Gold Trust New 0.04% +0.04
JEPI JPMorgan Equity Premium Inco New 0.04% +0.04
NVDA Nvidia Corp. Add +3.1% 0.30% +0.04
MDYG SS SPDR S&P 400 MC GR ETF New 0.04% +0.04
PBW Invesco Wilderhill Clean Ene New 0.03% +0.03
IWO iShares Russell 2000 Growth New 0.03% +0.03
VOOG Vanguard S&P 500 Growth ETF New 0.03% +0.03
QQQ Invesco QQQ Trust Series 1 Add +0.6% 1.49% +0.03
EFA iShares MSCI Eafe ETF Add +8.1% 0.51% +0.03
SPMD SS SPDR P S&P 400 Midcap ETF Add +2.4% 6.04% +0.02
TSLA Tesla Inc. Add +12.3% 0.06% +0.02
AVGO Broadcom Inc. Add +11.4% 0.09% +0.02
EEM iShares MSCI Emerging Market Add +6.7% 0.17% +0.02
LMBS First Trust Low Duration Opp Add +39.0% 0.06% +0.01
VOT Vngrd Mrngstr MC GRW ETF-Usd Add +16.3% 0.12% +0.01
FBTC Fidelity Wise Origin Bitcoin Add +16.9% 0.09% +0.01
IVE iShares S&P 500 Value ETF Add +3.4% 0.38% +0.01
SUSA iShares ESG Optimized MSCI U Add +17.0% 0.04% +0.01
JPM JPMorgan Chase & Co. Add +0.8% 0.22% +0.00
VEU Vanguard Ftse All-World Ex-U Add +3.7% 0.17% +0.00
IWN iShares Russell 2000 Value E Add +2.9% 0.05% +0.00
EFAX State Street SPDR MSCI Eafe Add +5.0% 0.09% +0.00
VEA Vanguard Ftse Developed ETF Add +5.2% 0.06% +0.00
ETN Eaton Corp. PLC Add +4.1% 0.10% +0.00
VB Vanguard Most SM-Cap ETF-Usd Add +2.9% 0.04% +0.00
PSEP Innovator U.S. Equity Power Add +3.7% 0.07% +0.00
DTE DTE Energy Company Add +1.5% 0.06% +0.00
PANW Palo Alto Networks Inc. Add +6.4% 0.04% −0.00
SHY iShares 1-3 Year Treasury Bo Add +5.9% 0.13% −0.00
BRK.B Berkshire Hathaway Inc. Class B Add +3.3% 0.58% −0.00
ECL Ecolab Inc. Add +2.6% 0.12% −0.00
MSFT Microsoft Corp. Add +2.4% 0.55% −0.00
V Visa Inc. Class A Add +5.3% 0.06% −0.00
IWR iShares Russell Mid-Cap ETF Add +1.2% 0.41% −0.00
COST Costco Wholesale Corp. Add +6.6% 0.06% −0.00
NFLX Netflix Inc. Add +7.2% 0.05% −0.01
CRM Salesforce Inc. Add +2.9% 0.06% −0.01
CMG Chipotle Mexican Grill Inc. Add +4.6% 0.04% −0.02
MDY State Street SPDR S&P Midcap Add +0.3% 1.06% −0.02

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