Retirement Income Solutions, Inc.
In its 13F for Q1 2026 (holdings as of March 31, 2026, filed May 4, 2026), Retirement Income Solutions, Inc. reported 173 stock positions worth $585.1 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 24.3% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 7.8%) and SS SPDR P S&P 400 Midcap ETF (SPMD, 7.3%). Compared with Q4 2025, it opened 13 new positions, sold out of 10, added to 38 and reduced 43. The biggest buy was PIMCO Enhanced Short Maturit (MINT, shares +6%) and the biggest sale SS SPDR S&P 500 ETF Trust-US (SPY, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- ANN ARBOR, MI
- CIK
- 0001730386
- Portfolio Value
- $585.1M (Q1 2026)
- SEC Filing
- 0001730386-26-000003 ↗ filed May 4, 2026
Holdings Value
Holdings 173 stocks · $585.1M
| SPYM Ste STR SPDR PT S&P 500 ETF | 24.33% | 1,859,482 | $142.3M | Add +3.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 7.76% | 69,780 | $45.4M | Reduce -0.8% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 7.26% | 717,188 | $42.5M | Add +2.1% |
| JPST JPMorgan Ultra-Short Income | 6.22% | 719,459 | $36.4M | Add +0.7% |
| IVV iShares Core S&P 500 ETF | 6.15% | 55,070 | $36.0M | Reduce -1.0% |
| MINT PIMCO Enhanced Short Maturit | 5.97% | 347,406 | $34.9M | Add +6.0% |
| IWF iShares Russell 1000 Growth | 3.06% | 41,989 | $17.9M | Reduce -1.6% |
| IJH iShares Core S&P Midcap ETF | 2.71% | 234,434 | $15.8M | Add +0.5% |
| GLDM SPDR Gold Minishares Trust | 2.06% | 129,822 | $12.0M | Reduce -1.3% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 1.54% | 169,450 | $9.0M | Reduce -2.1% |
| ESGU iShares ESG Aware MSCI USA | 1.32% | 54,534 | $7.7M | Add +0.4% |
| QQQ Invesco QQQ Trust Series 1 | 1.31% | 13,302 | $7.7M | Reduce -0.7% |
| JMUB JPMorgan Municipal ETF | 1.21% | 141,486 | $7.1M | Reduce -0.6% |
| RSP Invesco S&P 500 Equal Weight | 1.21% | 36,798 | $7.1M | Reduce -0.4% |
| IWD iShares Russell 1000 Value E | 1.18% | 32,403 | $6.9M | Add +1.4% |
| MDY State Street SPDR S&P Midcap | 1.08% | 10,228 | $6.3M | Reduce -0.9% |
| IWB iShares Russell 1000 ETF | 1.05% | 17,255 | $6.2M | Reduce -0.1% |
| FESM Fidelity Enhanced Small Cap | 0.97% | 150,039 | $5.7M | Add +4.6% |
| ACWI iShares MSCI Acwi ETF | 0.96% | 40,588 | $5.6M | Reduce -1.1% |
| AAPL Apple Inc. | 0.88% | 20,218 | $5.1M | Reduce -1.5% |
| AVDE Avantis International Equity | 0.84% | 57,749 | $4.9M | Add +22.0% |
| DFAE Dimensional Emerging Core Eq | 0.75% | 130,010 | $4.4M | Add +16.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.69% | 13,985 | $4.0M | Reduce -0.2% |
| AMZN Amazon.com Inc. | 0.59% | 16,469 | $3.4M | Reduce -5.3% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.57% | 33,803 | $3.3M | Add +0.1% |
| EFA iShares MSCI Eafe ETF | 0.55% | 33,414 | $3.2M | Add +5.0% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.53% | 6,492 | $3.1M | Reduce -1.9% |
| XLK SS Technology Select Sector | 0.53% | 23,178 | $3.1M | No change |
| IVW iShares S&P 500 Growth ETF | 0.51% | 26,284 | $3.0M | No change |
| VOO Vanguard S&P 500 ETF | 0.48% | 4,652 | $2.8M | No change |
| GOOGL Alphabet Inc. Class A | 0.42% | 8,584 | $2.5M | Add +1.7% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.41% | 5,521 | $2.4M | No change |
| SPYV SS SPDR P S&P 500 Value ETF | 0.41% | 42,034 | $2.4M | Reduce -1.8% |
| MSFT Microsoft Corp. | 0.40% | 6,336 | $2.3M | Reduce -1.7% |
| IWR iShares Russell Mid-Cap ETF | 0.39% | 23,684 | $2.3M | Reduce -5.3% |
| VTI VG Morningstar TS MKT ETF-US | 0.39% | 7,032 | $2.3M | No change |
| IVE iShares S&P 500 Value ETF | 0.36% | 9,879 | $2.1M | No change |
| GOOG Alphabet Inc. Class C | 0.33% | 6,828 | $2.0M | No change |
| POCT Innovator U.S. Equity Power | 0.33% | 45,195 | $1.9M | Add +26.1% |
| SCHG Schwab US Large-Cap Growth | 0.31% | 62,838 | $1.8M | Add +2.0% |
| LLY Eli Lilly & Co. | 0.30% | 1,884 | $1.7M | Add +14.7% |
| NVDA Nvidia Corp. | 0.29% | 9,871 | $1.7M | No change |
| PNOV Innovator U.S. Equity Power | 0.28% | 39,639 | $1.6M | No change |
| SMH Vaneck Semiconductor ETF | 0.27% | 4,181 | $1.6M | No change |
| GLD SPDR Gold Shares | 0.27% | 3,698 | $1.6M | Reduce -0.5% |
| VEU Vanguard Ftse All-World Ex-U | 0.27% | 20,926 | $1.6M | Add +25.7% |
| XLE SS Energy Select Sector | 0.26% | 25,251 | $1.5M | Add +14.6% |
| JBND JPMorgan Active Bond ETF | 0.26% | 28,371 | $1.5M | Add +218.5% |
| PDEC Innovator U.S. Equity Power | 0.22% | 29,708 | $1.3M | No change |
| EEM iShares MSCI Emerging Market | 0.22% | 22,207 | $1.3M | Reduce -2.4% |
| JPM JPMorgan Chase & Co. | 0.21% | 4,083 | $1.2M | Add +2.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.19% | 5,730 | $1.1M | No change |
| PHO Invesco Water Resources ETF | 0.18% | 16,193 | $1.1M | No change |
| CWI State Street SPDR MSCI Acwi | 0.18% | 29,123 | $1.1M | Add +3.6% |
| XME SS SPDR S&P Metals Mining | 0.17% | 9,363 | $1.0M | Add +5.7% |
| EFIV SS SPDR S&P 500 ESG ETF | 0.16% | 15,138 | $955K | Reduce -1.0% |
| BKLC BNY Mellon US LRG Cap Cor | 0.16% | 7,460 | $931K | No change |
| LRCX Lam Research Corp. | 0.15% | 4,175 | $892K | Reduce -6.6% |
| PJAN Innovator U.S. Equity Power | 0.15% | 19,175 | $885K | Reduce -10.4% |
| VONE Vanguard Russell 1000 | 0.14% | 2,870 | $847K | No change |
| KO The Coca-Cola Co. | 0.14% | 10,661 | $811K | Add +0.2% |
| JNJ Johnson & Johnson | 0.14% | 3,285 | $803K | Reduce -0.8% |
| SCHX Schwab US Large-Cap ETF | 0.12% | 28,455 | $730K | No change |
| URTH iShares MSCI World ETF | 0.12% | 3,985 | $717K | No change |
| MRK Merck & Co. Inc. | 0.12% | 5,920 | $712K | Reduce -2.1% |
| PG The Procter & Gamble Co. | 0.12% | 4,929 | $712K | Add +1.7% |
| DBEF Xtrackers MSCI Eafe Hedged E | 0.12% | 14,349 | $709K | Reduce -6.5% |
| ECL Ecolab Inc. | 0.11% | 2,472 | $658K | No change |
| BJUN Innovator U.S. Equity Buffer | 0.11% | 14,103 | $652K | No change |
| ORCL Oracle Corp. | 0.11% | 4,351 | $640K | No change |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.11% | 1,723 | $633K | No change |
| IAU iShares Gold Trust | 0.11% | 7,179 | $633K | Add +126.3% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.11% | 8,344 | $631K | No change |
| SPAB SS SPDR P Agg Bond ETF | 0.11% | 24,467 | $627K | Add +2.0% |
| QQQM Invesco Nasdaq 100 ETF | 0.11% | 2,612 | $621K | Add +14.3% |
| IUSG iShares Core S&P U.S. Growth | 0.11% | 4,000 | $620K | No change |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.10% | 2,524 | $612K | Reduce -1.8% |
| IWP iShares Russell Mid-Cap Grow | 0.10% | 4,725 | $605K | No change |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.10% | 2,343 | $603K | No change |
| IEI iShares 3-7 Year Treasury Bo | 0.10% | 5,071 | $601K | Reduce -6.4% |
| EAGG iShares ESG Aware US Aggrega | 0.10% | 11,934 | $567K | Reduce -0.1% |
| EDIV State Street SPDR S&P Emergi | 0.10% | 14,169 | $559K | No change |
| SHY iShares 1-3 Year Treasury Bo | 0.10% | 6,752 | $558K | Reduce -15.6% |
| PJUL Innovator U.S. Equity Power | 0.09% | 12,013 | $552K | No change |
| SPEM State Street SP PTF Em ETF | 0.09% | 11,639 | $546K | Reduce -4.7% |
| VEA Vanguard Ftse Developed ETF | 0.09% | 8,436 | $541K | No change |
| PAPR Innovator U.S. Equity Power | 0.09% | 13,545 | $539K | No change |
| DSI iShares ESG MSCI KLD 400 ETF | 0.09% | 4,392 | $532K | No change |
| AVGO Broadcom Inc. | 0.09% | 1,713 | $530K | No change |
| EFAX State Street SPDR MSCI Eafe | 0.09% | 10,525 | $524K | No change |
| VLY Valley National Bancorp | 0.09% | 42,438 | $521K | Add +14.4% |
| VYM Vanguard High DVD Yield ETF | 0.09% | 3,518 | $521K | Add +2.1% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.09% | 6,600 | $519K | No change |
| AMGN Amgen Inc. | 0.09% | 1,468 | $517K | Reduce -1.1% |
| ETN Eaton Corp. PLC | 0.09% | 1,430 | $511K | Reduce -3.0% |
| IWS iShares Russell Mid-Cap Valu | 0.09% | 3,478 | $507K | No change |
| XOM Exxon Mobil Corp. | 0.09% | 2,964 | $503K | Reduce -5.4% |
| ZAUG Innov Eq Protect ETF - 1 Aug | 0.09% | 18,821 | $501K | No change |
| XLF SS Financial Select Sector | 0.08% | 10,062 | $497K | No change |
| FBND Fidelity Total Bond ETF | 0.08% | 10,723 | $489K | New |
Portfolio Sells Q4 2025 → Q1 2026
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.8% | 7.76% | −0.38 |
| IWF iShares Russell 1000 Growth | Reduce -1.6% | 3.06% | −0.37 |
| IVV iShares Core S&P 500 ETF | Reduce -1.0% | 6.15% | −0.32 |
| MSFT Microsoft Corp. | Reduce -1.7% | 0.40% | −0.13 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -2.1% | 1.54% | −0.11 |
| AMZN Amazon.com Inc. | Reduce -5.3% | 0.59% | −0.09 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -0.7% | 1.31% | −0.08 |
| AAPL Apple Inc. | Reduce -1.5% | 0.88% | −0.07 |
| SYK Stryker Corp. | Sold out | 0.00% | −0.05 |
| IWB iShares Russell 1000 ETF | Reduce -0.1% | 1.05% | −0.04 |
| TMO Thermo Fisher Scientific Inc. | Sold out | 0.00% | −0.04 |
| PANW Palo Alto Networks Inc. | Sold out | 0.00% | −0.04 |
| COF Capital One Financial Corp. | Sold out | 0.00% | −0.04 |
| AMD Advanced Micro Devices | Sold out | 0.00% | −0.04 |
| IWO iShares Russell 2000 Growth | Sold out | 0.00% | −0.03 |
| VOOG Vanguard S&P 500 Growth ETF | Sold out | 0.00% | −0.03 |
| TY Tri-Continental Corp. | Sold out | 0.00% | −0.03 |
| IBDT iShares Ibonds Dec 2028 ETF | Sold out | 0.00% | −0.03 |
| IBDU iShares Ibonds Dec 2029 Term | Sold out | 0.00% | −0.03 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -1.9% | 0.53% | −0.03 |
| GAMR Amplify Video Game LDRS ETF | Reduce -32.5% | 0.04% | −0.03 |
| FBTC Fidelity Wise Origin Bitcoin | Reduce -19.6% | 0.04% | −0.03 |
| ACWI iShares MSCI Acwi ETF | Reduce -1.1% | 0.96% | −0.03 |
| IBM Intl Business Machines Corp. | Reduce -1.8% | 0.10% | −0.02 |
| PLTR Palantir Technologies Inc. Class A | Reduce -7.5% | 0.08% | −0.02 |
| XSW SS SPDR S&P Soft & Serv ETF | Reduce -13.9% | 0.04% | −0.02 |
| PJAN Innovator U.S. Equity Power | Reduce -10.4% | 0.15% | −0.02 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -15.6% | 0.10% | −0.02 |
| IWR iShares Russell Mid-Cap ETF | Reduce -5.3% | 0.39% | −0.01 |
| JMUB JPMorgan Municipal ETF | Reduce -0.6% | 1.21% | −0.01 |
| IWM iShares Russell 2000 ETF | Reduce -16.2% | 0.06% | −0.01 |
| EFIV SS SPDR S&P 500 ESG ETF | Reduce -1.0% | 0.16% | −0.01 |
| IEI iShares 3-7 Year Treasury Bo | Reduce -6.4% | 0.10% | −0.01 |
| MMM 3M Co. | Reduce -5.4% | 0.04% | −0.01 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -1.8% | 0.41% | −0.01 |
| PNC PNC Financial Services Group | Reduce -11.6% | 0.03% | −0.00 |
| DBEF Xtrackers MSCI Eafe Hedged E | Reduce -6.5% | 0.12% | −0.00 |
| SPEM State Street SP PTF Em ETF | Reduce -4.7% | 0.09% | −0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -0.2% | 0.69% | −0.00 |
| HD Home Depot Inc. | Reduce -1.2% | 0.05% | −0.00 |
| EAGG iShares ESG Aware US Aggrega | Reduce -0.1% | 0.10% | +0.00 |
| RTX RTX Corp. | Reduce -5.4% | 0.05% | +0.00 |
| EEM iShares MSCI Emerging Market | Reduce -2.4% | 0.22% | +0.00 |
| AMGN Amgen Inc. | Reduce -1.1% | 0.09% | +0.01 |
| RSP Invesco S&P 500 Equal Weight | Reduce -0.4% | 1.21% | +0.01 |
| ETN Eaton Corp. PLC | Reduce -3.0% | 0.09% | +0.01 |
| MRK Merck & Co. Inc. | Reduce -2.1% | 0.12% | +0.01 |
| JNJ Johnson & Johnson | Reduce -0.8% | 0.14% | +0.02 |
| MDY State Street SPDR S&P Midcap | Reduce -0.9% | 1.08% | +0.02 |
| XOM Exxon Mobil Corp. | Reduce -5.4% | 0.09% | +0.02 |
Portfolio Buys Q4 2025 → Q1 2026
| MINT PIMCO Enhanced Short Maturit | Add +6.0% | 5.97% | +0.39 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +2.1% | 7.26% | +0.36 |
| JBND JPMorgan Active Bond ETF | Add +218.5% | 0.26% | +0.18 |
| AVDE Avantis International Equity | Add +22.0% | 0.84% | +0.18 |
| DFAE Dimensional Emerging Core Eq | Add +16.0% | 0.75% | +0.13 |
| XLE SS Energy Select Sector | Add +14.6% | 0.26% | +0.10 |
| JPST JPMorgan Ultra-Short Income | Add +0.7% | 6.22% | +0.10 |
| IJH iShares Core S&P Midcap ETF | Add +0.5% | 2.71% | +0.09 |
| FBND Fidelity Total Bond ETF | New | 0.08% | +0.08 |
| POCT Innovator U.S. Equity Power | Add +26.1% | 0.33% | +0.07 |
| IAU iShares Gold Trust | Add +126.3% | 0.11% | +0.06 |
| BND Vanguard Total Bond Market | New | 0.06% | +0.06 |
| VEU Vanguard Ftse All-World Ex-U | Add +25.7% | 0.27% | +0.06 |
| NEE Nextera Energy Inc. | New | 0.06% | +0.06 |
| FESM Fidelity Enhanced Small Cap | Add +4.6% | 0.97% | +0.06 |
| IWD iShares Russell 1000 Value E | Add +1.4% | 1.18% | +0.04 |
| BAR Graniteshares Gold Trust | New | 0.04% | +0.04 |
| SLV iShares Silver Trust | New | 0.04% | +0.04 |
| SCHD Schwab US DVD Equity ETF | New | 0.04% | +0.04 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | New | 0.04% | +0.04 |
| IEMG iShares Core MSCI Emerging | New | 0.04% | +0.04 |
| DE Deere & Co. | New | 0.04% | +0.04 |
| EFA iShares MSCI Eafe ETF | Add +5.0% | 0.55% | +0.04 |
| CL Colgate-Palmolive Co. | New | 0.04% | +0.04 |
| SPDW Ste STR SPDR PT DW Eu ETF | New | 0.03% | +0.03 |
| META Meta Platforms Inc. Class A | New | 0.03% | +0.03 |
| TT Trane Technologies PLC | New | 0.03% | +0.03 |
| GDX Vaneck Gold Miners ETF | Add +27.1% | 0.07% | +0.02 |
| XME SS SPDR S&P Metals Mining | Add +5.7% | 0.17% | +0.02 |
| VLY Valley National Bancorp | Add +14.4% | 0.09% | +0.02 |
| KO The Coca-Cola Co. | Add +0.2% | 0.14% | +0.01 |
| MCD McDonald's Corp. | Add +21.8% | 0.06% | +0.01 |
| CWI State Street SPDR MSCI Acwi | Add +3.6% | 0.18% | +0.01 |
| COST Costco Wholesale Corp. | Add +2.6% | 0.07% | +0.01 |
| DTE DTE Energy Company | Add +1.5% | 0.06% | +0.01 |
| QQQM Invesco Nasdaq 100 ETF | Add +14.3% | 0.11% | +0.01 |
| PM Philip Morris International | Add +9.6% | 0.05% | +0.01 |
| VYM Vanguard High DVD Yield ETF | Add +2.1% | 0.09% | +0.01 |
| PG The Procter & Gamble Co. | Add +1.7% | 0.12% | +0.00 |
| ABBV Abbvie Inc. | Add +12.2% | 0.05% | +0.00 |
| SPAB SS SPDR P Agg Bond ETF | Add +2.0% | 0.11% | +0.00 |
| LMBS First Trust Low Duration Opp | Add +0.7% | 0.06% | +0.00 |
| SPTS SS SPDR P St Term TSY ETF | Add +0.6% | 0.06% | +0.00 |
| LLY Eli Lilly & Co. | Add +14.7% | 0.30% | −0.00 |
| V Visa Inc. Class A | Add +1.8% | 0.06% | −0.01 |
| JPM JPMorgan Chase & Co. | Add +2.5% | 0.21% | −0.01 |
| GOOGL Alphabet Inc. Class A | Add +1.7% | 0.42% | −0.03 |
| SCHG Schwab US Large-Cap Growth | Add +2.0% | 0.31% | −0.03 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +0.1% | 0.57% | −0.05 |
| ESGU iShares ESG Aware MSCI USA | Add +0.4% | 1.32% | −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 |