Retirement Income Solutions, Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 27, 2026), Retirement Income Solutions, Inc. reported 170 stock positions worth $589.6 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 24.5% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 8.1%) and SS SPDR P S&P 400 Midcap ETF (SPMD, 6.9%). Compared with Q3 2025, it opened 9 new positions, sold out of 4, added to 44 and reduced 59. The biggest buy was Ste STR SPDR PT S&P 500 ETF (SPYM, shares +8%) and the biggest sale JPMorgan Ultra-Short Income (JPST, shares −24%).
- Most Recent 13F
- Q2 2026
- Location
- ANN ARBOR, MI
- CIK
- 0001730386
- Portfolio Value
- $589.6M (Q4 2025)
- SEC Filing
- 0001730386-26-000002 ↗ filed Jan 27, 2026
Holdings Value
Holdings 170 stocks · $589.6M
| SPYM Ste STR SPDR PT S&P 500 ETF | 24.46% | 1,797,996 | $144.2M | Add +8.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 8.14% | 70,380 | $48.0M | Reduce -1.5% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 6.90% | 702,621 | $40.7M | Add +13.7% |
| IVV iShares Core S&P 500 ETF | 6.46% | 55,640 | $38.1M | Reduce -9.9% |
| JPST JPMorgan Ultra-Short Income | 6.13% | 714,240 | $36.1M | Reduce -24.0% |
| MINT PIMCO Enhanced Short Maturit | 5.58% | 327,797 | $32.9M | Reduce -21.2% |
| IWF iShares Russell 1000 Growth | 3.43% | 42,695 | $20.2M | Reduce -3.0% |
| IJH iShares Core S&P Midcap ETF | 2.61% | 233,379 | $15.4M | Reduce -7.9% |
| GLDM SPDR Gold Minishares Trust | 1.90% | 131,546 | $11.2M | Reduce -1.5% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 1.65% | 173,073 | $9.7M | Add +0.1% |
| QQQ Invesco QQQ Trust Series 1 | 1.40% | 13,396 | $8.2M | Reduce -7.4% |
| ESGU iShares ESG Aware MSCI USA | 1.37% | 54,307 | $8.1M | Add +10.7% |
| JMUB JPMorgan Municipal ETF | 1.22% | 142,367 | $7.2M | Add +8.3% |
| RSP Invesco S&P 500 Equal Weight | 1.20% | 36,945 | $7.1M | Reduce -0.7% |
| IWD iShares Russell 1000 Value E | 1.14% | 31,963 | $6.7M | Reduce -4.8% |
| IWB iShares Russell 1000 ETF | 1.09% | 17,274 | $6.5M | Reduce -10.5% |
| MDY State Street SPDR S&P Midcap | 1.06% | 10,323 | $6.2M | Reduce -0.9% |
| ACWI iShares MSCI Acwi ETF | 0.98% | 41,040 | $5.8M | Add +2.8% |
| AAPL Apple Inc. | 0.95% | 20,530 | $5.6M | Reduce -3.7% |
| FESM Fidelity Enhanced Small Cap | 0.92% | 143,461 | $5.4M | Add +3.2% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.69% | 14,018 | $4.1M | Reduce -2.6% |
| AMZN Amazon.com Inc. | 0.68% | 17,385 | $4.0M | Reduce -6.0% |
| AVDE Avantis International Equity | 0.66% | 47,330 | $3.9M | Add +88.5% |
| DFAE Dimensional Emerging Core Eq | 0.62% | 112,093 | $3.7M | Add +501.7% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.61% | 33,785 | $3.6M | Reduce -3.0% |
| XLK SS Technology Select Sector | 0.57% | 23,178 | $3.3M | Reduce -5.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.56% | 6,615 | $3.3M | Reduce -2.1% |
| IVW iShares S&P 500 Growth ETF | 0.55% | 26,284 | $3.2M | Reduce -0.2% |
| MSFT Microsoft Corp. | 0.53% | 6,448 | $3.1M | Add +4.6% |
| EFA iShares MSCI Eafe ETF | 0.52% | 31,830 | $3.1M | Add +0.1% |
| VOO Vanguard S&P 500 ETF | 0.49% | 4,652 | $2.9M | Add +8.4% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.46% | 5,521 | $2.7M | No change |
| GOOGL Alphabet Inc. Class A | 0.45% | 8,442 | $2.6M | Add +0.5% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.41% | 42,796 | $2.4M | Reduce -1.2% |
| IWR iShares Russell Mid-Cap ETF | 0.41% | 25,012 | $2.4M | Add +1.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.40% | 7,032 | $2.4M | No change |
| GOOG Alphabet Inc. Class C | 0.36% | 6,828 | $2.1M | Add +0.1% |
| IVE iShares S&P 500 Value ETF | 0.36% | 9,879 | $2.1M | Reduce -8.5% |
| SCHG Schwab US Large-Cap Growth | 0.34% | 61,608 | $2.0M | Add +9.6% |
| NVDA Nvidia Corp. | 0.31% | 9,871 | $1.8M | Add +3.8% |
| LLY Eli Lilly & Co. | 0.30% | 1,643 | $1.8M | Reduce -26.4% |
| PNOV Innovator U.S. Equity Power | 0.28% | 39,639 | $1.7M | No change |
| POCT Innovator U.S. Equity Power | 0.27% | 35,850 | $1.6M | Reduce -4.7% |
| SMH Vaneck Semiconductor ETF | 0.26% | 4,181 | $1.5M | Reduce -10.8% |
| GLD SPDR Gold Shares | 0.25% | 3,715 | $1.5M | Reduce -15.6% |
| PDEC Innovator U.S. Equity Power | 0.22% | 29,708 | $1.3M | Reduce -23.2% |
| JPM JPMorgan Chase & Co. | 0.22% | 3,984 | $1.3M | Reduce -3.6% |
| EEM iShares MSCI Emerging Market | 0.21% | 22,761 | $1.2M | Add +24.7% |
| VEU Vanguard Ftse All-World Ex-U | 0.21% | 16,650 | $1.2M | Add +19.5% |
| PHO Invesco Water Resources ETF | 0.19% | 16,193 | $1.1M | Reduce -4.9% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.19% | 5,730 | $1.1M | Reduce -0.5% |
| EFIV SS SPDR S&P 500 ESG ETF | 0.17% | 15,284 | $1.0M | Add +10.4% |
| CWI State Street SPDR MSCI Acwi | 0.17% | 28,103 | $1.0M | Reduce -2.5% |
| PJAN Innovator U.S. Equity Power | 0.17% | 21,400 | $1.0M | Reduce -0.4% |
| XLE SS Energy Select Sector | 0.17% | 22,042 | $985K | Add +6.2% |
| BKLC BNY Mellon US LRG Cap Cor | 0.17% | 7,460 | $976K | No change |
| XME SS SPDR S&P Metals Mining | 0.16% | 8,858 | $918K | Reduce -14.4% |
| VONE Vanguard Russell 1000 | 0.15% | 2,870 | $887K | No change |
| ORCL Oracle Corp. | 0.14% | 4,351 | $848K | Reduce -0.8% |
| SCHX Schwab US Large-Cap ETF | 0.13% | 28,455 | $766K | No change |
| LRCX Lam Research Corp. | 0.13% | 4,472 | $766K | Add +5.9% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.13% | 2,569 | $761K | Add +3.2% |
| KO The Coca-Cola Co. | 0.13% | 10,635 | $743K | No change |
| URTH iShares MSCI World ETF | 0.13% | 3,985 | $740K | No change |
| DBEF Xtrackers MSCI Eafe Hedged E | 0.13% | 15,341 | $738K | Reduce -0.7% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.12% | 1,723 | $711K | Add +21.9% |
| PG The Procter & Gamble Co. | 0.12% | 4,846 | $694K | Reduce -1.5% |
| JNJ Johnson & Johnson | 0.12% | 3,312 | $685K | Reduce -11.4% |
| IUSG iShares Core S&P U.S. Growth | 0.11% | 4,000 | $672K | No change |
| SHY iShares 1-3 Year Treasury Bo | 0.11% | 7,999 | $662K | Reduce -11.5% |
| BJUN Innovator U.S. Equity Buffer | 0.11% | 14,103 | $659K | No change |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.11% | 2,343 | $654K | Reduce -0.8% |
| ECL Ecolab Inc. | 0.11% | 2,472 | $649K | No change |
| IWP iShares Russell Mid-Cap Grow | 0.11% | 4,725 | $647K | Reduce -12.8% |
| IEI iShares 3-7 Year Treasury Bo | 0.11% | 5,420 | $647K | Reduce -12.5% |
| MRK Merck & Co. Inc. | 0.11% | 6,047 | $637K | Reduce -11.4% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.11% | 8,344 | $629K | No change |
| SPAB SS SPDR P Agg Bond ETF | 0.10% | 23,997 | $618K | Add +70.5% |
| PLTR Palantir Technologies Inc. Class A | 0.10% | 3,437 | $611K | Add +3.6% |
| AVGO Broadcom Inc. | 0.10% | 1,713 | $593K | Add +6.0% |
| QQQM Invesco Nasdaq 100 ETF | 0.10% | 2,286 | $578K | New |
| SPEM State Street SP PTF Em ETF | 0.10% | 12,211 | $572K | Reduce -11.3% |
| EAGG iShares ESG Aware US Aggrega | 0.10% | 11,942 | $571K | Reduce -12.4% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.10% | 4,392 | $566K | No change |
| PJUL Innovator U.S. Equity Power | 0.09% | 12,013 | $558K | No change |
| EDIV State Street SPDR S&P Emergi | 0.09% | 14,169 | $555K | No change |
| XLF SS Financial Select Sector | 0.09% | 10,062 | $551K | Add +8.6% |
| EFAX State Street SPDR MSCI Eafe | 0.09% | 10,525 | $531K | Reduce -2.3% |
| PAPR Innovator U.S. Equity Power | 0.09% | 13,545 | $530K | No change |
| VEA Vanguard Ftse Developed ETF | 0.09% | 8,436 | $527K | Add +50.5% |
| ZAUG Innov Eq Protect ETF - 1 Aug | 0.09% | 18,821 | $503K | No change |
| VYM Vanguard High DVD Yield ETF | 0.08% | 3,444 | $494K | No change |
| IWS iShares Russell Mid-Cap Valu | 0.08% | 3,478 | $491K | Reduce -23.5% |
| AMGN Amgen Inc. | 0.08% | 1,485 | $486K | Reduce -5.5% |
| JBND JPMorgan Active Bond ETF | 0.08% | 8,908 | $482K | New |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.08% | 6,600 | $480K | Add +3.3% |
| ETN Eaton Corp. PLC | 0.08% | 1,475 | $470K | Reduce -0.9% |
| DFAX Dimensional World Ex US Core | 0.08% | 13,691 | $448K | No change |
| VLY Valley National Bancorp | 0.07% | 37,097 | $433K | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.07% | 3,719 | $423K | Reduce -15.8% |
Portfolio Sells Q3 2025 → Q4 2025
| JPST JPMorgan Ultra-Short Income | Reduce -24.0% | 6.13% | −2.03 |
| MINT PIMCO Enhanced Short Maturit | Reduce -21.2% | 5.58% | −1.58 |
| IVV iShares Core S&P 500 ETF | Reduce -9.9% | 6.46% | −0.60 |
| IJH iShares Core S&P Midcap ETF | Reduce -7.9% | 2.61% | −0.21 |
| IWB iShares Russell 1000 ETF | Reduce -10.5% | 1.09% | −0.11 |
| IWF iShares Russell 1000 Growth | Reduce -3.0% | 3.43% | −0.10 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -7.4% | 1.40% | −0.09 |
| ORCL Oracle Corp. | Reduce -0.8% | 0.14% | −0.07 |
| PDEC Innovator U.S. Equity Power | Reduce -23.2% | 0.22% | −0.06 |
| MSTR Strategy Inc. | Sold out | 0.00% | −0.06 |
| SPTS SS SPDR P St Term TSY ETF | Reduce -45.3% | 0.06% | −0.05 |
| META Meta Platforms Inc. Class A | Sold out | 0.00% | −0.04 |
| CRBN Ish Low Car Opt Ms Ac ETF-US | Sold out | 0.00% | −0.04 |
| CMG Chipotle Mexican Grill Inc. | Sold out | 0.00% | −0.04 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -2.6% | 0.69% | −0.03 |
| MCD McDonald's Corp. | Reduce -40.1% | 0.04% | −0.03 |
| IWD iShares Russell 1000 Value E | Reduce -4.8% | 1.14% | −0.03 |
| IVE iShares S&P 500 Value ETF | Reduce -8.5% | 0.36% | −0.03 |
| IWS iShares Russell Mid-Cap Valu | Reduce -23.5% | 0.08% | −0.03 |
| XLK SS Technology Select Sector | Reduce -5.1% | 0.57% | −0.02 |
| IWP iShares Russell Mid-Cap Grow | Reduce -12.8% | 0.11% | −0.02 |
| GLD SPDR Gold Shares | Reduce -15.6% | 0.25% | −0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -2.1% | 0.56% | −0.02 |
| IEI iShares 3-7 Year Treasury Bo | Reduce -12.5% | 0.11% | −0.02 |
| PHO Invesco Water Resources ETF | Reduce -4.9% | 0.19% | −0.02 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -11.5% | 0.11% | −0.02 |
| ETN Eaton Corp. PLC | Reduce -0.9% | 0.08% | −0.02 |
| EAGG iShares ESG Aware US Aggrega | Reduce -12.4% | 0.10% | −0.02 |
| DIS The Walt Disney Co. | Reduce -15.8% | 0.07% | −0.01 |
| AMZN Amazon.com Inc. | Reduce -6.0% | 0.68% | −0.01 |
| SPEM State Street SP PTF Em ETF | Reduce -11.3% | 0.10% | −0.01 |
| NFLX Netflix Inc. | Reduce -3.4% | 0.04% | −0.01 |
| PG The Procter & Gamble Co. | Reduce -1.5% | 0.12% | −0.01 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -3.0% | 0.61% | −0.01 |
| IEF iShares 7-10 Year Treasury B | Reduce -17.4% | 0.05% | −0.01 |
| POCT Innovator U.S. Equity Power | Reduce -4.7% | 0.27% | −0.01 |
| XME SS SPDR S&P Metals Mining | Reduce -14.4% | 0.16% | −0.01 |
| COST Costco Wholesale Corp. | Reduce -6.7% | 0.06% | −0.01 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Reduce -0.8% | 0.11% | −0.01 |
| RSP Invesco S&P 500 Equal Weight | Reduce -0.7% | 1.20% | −0.01 |
| SMH Vaneck Semiconductor ETF | Reduce -10.8% | 0.26% | −0.01 |
| SUSA iShares ESG Optimized MSCI U | Reduce -14.6% | 0.04% | −0.01 |
| MDY State Street SPDR S&P Midcap | Reduce -0.9% | 1.06% | −0.01 |
| JPM JPMorgan Chase & Co. | Reduce -3.6% | 0.22% | −0.01 |
| JNJ Johnson & Johnson | Reduce -11.4% | 0.12% | −0.00 |
| CWI State Street SPDR MSCI Acwi | Reduce -2.5% | 0.17% | −0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.5% | 8.14% | −0.00 |
| EFAX State Street SPDR MSCI Eafe | Reduce -2.3% | 0.09% | −0.00 |
| PBW Invesco Wilderhill Clean Ene | Reduce -3.0% | 0.04% | +0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -0.5% | 0.19% | +0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +8.4% | 24.46% | +2.25 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +13.7% | 6.90% | +0.86 |
| DFAE Dimensional Emerging Core Eq | Add +501.7% | 0.62% | +0.52 |
| AVDE Avantis International Equity | Add +88.5% | 0.66% | +0.32 |
| ESGU iShares ESG Aware MSCI USA | Add +10.7% | 1.37% | +0.15 |
| GOOGL Alphabet Inc. Class A | Add +0.5% | 0.45% | +0.10 |
| QQQM Invesco Nasdaq 100 ETF | New | 0.10% | +0.10 |
| JMUB JPMorgan Municipal ETF | Add +8.3% | 1.22% | +0.08 |
| JBND JPMorgan Active Bond ETF | New | 0.08% | +0.08 |
| GOOG Alphabet Inc. Class C | Add +0.1% | 0.36% | +0.08 |
| FESM Fidelity Enhanced Small Cap | Add +3.2% | 0.92% | +0.05 |
| VOO Vanguard S&P 500 ETF | Add +8.4% | 0.49% | +0.05 |
| EEM iShares MSCI Emerging Market | Add +24.7% | 0.21% | +0.04 |
| SPAB SS SPDR P Agg Bond ETF | Add +70.5% | 0.10% | +0.04 |
| ACWI iShares MSCI Acwi ETF | Add +2.8% | 0.98% | +0.04 |
| TMO Thermo Fisher Scientific Inc. | New | 0.04% | +0.04 |
| COF Capital One Financial Corp. | New | 0.04% | +0.04 |
| VEU Vanguard Ftse All-World Ex-U | Add +19.5% | 0.21% | +0.04 |
| AMD Advanced Micro Devices | New | 0.04% | +0.04 |
| TY Tri-Continental Corp. | New | 0.03% | +0.03 |
| SCHG Schwab US Large-Cap Growth | Add +9.6% | 0.34% | +0.03 |
| IBB iShares Biotechnology ETF | New | 0.03% | +0.03 |
| IBDT iShares Ibonds Dec 2028 ETF | New | 0.03% | +0.03 |
| IBDU iShares Ibonds Dec 2029 Term | New | 0.03% | +0.03 |
| LRCX Lam Research Corp. | Add +5.9% | 0.13% | +0.03 |
| VEA Vanguard Ftse Developed ETF | Add +50.5% | 0.09% | +0.03 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Add +0.1% | 1.65% | +0.03 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Add +21.9% | 0.12% | +0.02 |
| EFIV SS SPDR S&P 500 ESG ETF | Add +10.4% | 0.17% | +0.02 |
| EFA iShares MSCI Eafe ETF | Add +0.1% | 0.52% | +0.01 |
| AVGO Broadcom Inc. | Add +6.0% | 0.10% | +0.01 |
| IBM Intl Business Machines Corp. | Add +3.2% | 0.13% | +0.01 |
| NVDA Nvidia Corp. | Add +3.8% | 0.31% | +0.01 |
| XLE SS Energy Select Sector | Add +6.2% | 0.17% | +0.01 |
| XLF SS Financial Select Sector | Add +8.6% | 0.09% | +0.01 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +3.3% | 0.08% | +0.01 |
| XOM Exxon Mobil Corp. | Add +6.5% | 0.06% | +0.01 |
| MMM 3M Co. | Add +11.5% | 0.05% | +0.01 |
| WMT Walmart Inc. | Add +8.2% | 0.04% | +0.01 |
| ESGE iShares Inc. iShares ESG Awar | Add +9.8% | 0.06% | +0.01 |
| V Visa Inc. Class A | Add +6.3% | 0.07% | +0.01 |
| MDYG SS SPDR S&P 400 MC GR ETF | Add +4.9% | 0.04% | +0.00 |
| BA The Boeing Co. | Add +5.0% | 0.04% | +0.00 |
| PLTR Palantir Technologies Inc. Class A | Add +3.6% | 0.10% | +0.00 |
| PM Philip Morris International | Add +1.1% | 0.04% | −0.00 |
| SUSB iShares ESG Aware 1-5 Year U | Add +0.1% | 0.04% | −0.00 |
| IWR iShares Russell Mid-Cap ETF | Add +1.0% | 0.41% | −0.00 |
| SYK Stryker Corp. | Add +2.5% | 0.05% | −0.00 |
| PANW Palo Alto Networks Inc. | Add +5.8% | 0.04% | −0.00 |
| DTE DTE Energy Company | Add +1.4% | 0.05% | −0.00 |
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 |