Retirement Income Solutions, Inc.

In its 13F for Q2 2026 (holdings as of June 30, 2026, filed August 3, 2026), Retirement Income Solutions, Inc. reported 172 stock positions worth $580.8 million. Its top holding was Ste STR SPDR PT S&P 500 ETF (SPYM) at 24.4% 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 Q1 2026, it sold out of 1, added to 5 and reduced 24. The biggest buy was McDonald's (MCD, shares +43%) and the biggest sale Amazon.com (AMZN, shares −49%).

Most Recent 13F
Q2 2026
Location
ANN ARBOR, MI
CIK
0001730386
Portfolio Value
$580.8M (Q2 2026)
SEC Filing
0001730386-26-000005 ↗ filed Aug 3, 2026

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 Q3 2025 Q4 2025: $589.6M Q4 2025 Q1 2026: $585.1M Q1 2026 Q2 2026: $580.8M $580.8M Q2 2026

Holdings 172 stocks · $580.8M
SPYM Ste STR SPDR PT S&P 500 ETF 24.38% 1,849,918 $141.6M Reduce -0.5%
SPY SS SPDR S&P 500 ETF Trust-US 7.80% 69,678 $45.3M Reduce -0.1%
SPMD SS SPDR P S&P 400 Midcap ETF 7.28% 714,469 $42.3M Reduce -0.4%
JPST JPMorgan Ultra-Short Income 6.26% 718,740 $36.4M Reduce -0.1%
IVV iShares Core S&P 500 ETF 6.17% 54,870 $35.8M Reduce -0.4%
MINT PIMCO Enhanced Short Maturit 6.01% 346,949 $34.9M Reduce -0.1%
IWF iShares Russell 1000 Growth 3.10% 42,222 $18.0M Reduce -74.9%
IJH iShares Core S&P Midcap ETF 2.69% 230,999 $15.6M Reduce -1.5%
GLDM SPDR Gold Minishares Trust 2.07% 129,822 $12.0M No change
SPYX SS SPDR S&P 500 Foss FL ETF 1.50% 164,718 $8.7M Reduce -2.8%
ESGU iShares ESG Aware MSCI USA 1.33% 54,534 $7.7M No change
QQQ Invesco QQQ Trust Series 1 1.32% 13,302 $7.7M No change
RSP Invesco S&P 500 Equal Weight 1.22% 36,798 $7.1M No change
JMUB JPMorgan Municipal ETF 1.20% 139,531 $7.0M Reduce -1.4%
IWD iShares Russell 1000 Value E 1.19% 32,403 $6.9M No change
MDY State Street SPDR S&P Midcap 1.08% 10,145 $6.3M Reduce -0.8%
IWB iShares Russell 1000 ETF 1.06% 17,255 $6.2M No change
FESM Fidelity Enhanced Small Cap 0.98% 150,039 $5.7M No change
ACWI iShares MSCI Acwi ETF 0.97% 40,588 $5.6M No change
AAPL Apple Inc. 0.88% 20,218 $5.1M No change
AVDE Avantis International Equity 0.83% 56,639 $4.8M Reduce -1.9%
DFAE Dimensional Emerging Core Eq 0.76% 130,010 $4.4M No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.69% 13,985 $4.0M Reduce -75.0%
SPYG SS SPDR P S&P 500 Growth ETF 0.56% 33,419 $3.3M Reduce -1.1%
EFA iShares MSCI Eafe ETF 0.56% 33,414 $3.2M No change
BRK.B Berkshire Hathaway Inc. Class B 0.54% 6,492 $3.1M No change
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 No change
VUG Vanguard Mrngstar GR ETF-Sui 0.42% 5,521 $2.4M Reduce -83.3%
SPYV SS SPDR P S&P 500 Value ETF 0.41% 42,343 $2.4M Add +0.7%
MSFT Microsoft Corp. 0.40% 6,336 $2.3M No change
IWR iShares Russell Mid-Cap ETF 0.40% 23,684 $2.3M No change
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 0.34% 6,828 $2.0M No change
POCT Innovator U.S. Equity Power 0.34% 45,195 $1.9M No change
SCHG Schwab US Large-Cap Growth 0.32% 62,838 $1.8M No change
AMZN Amazon.com Inc. 0.30% 8,469 $1.8M Reduce -48.6%
LLY Eli Lilly & Co. 0.30% 1,884 $1.7M No change
NVDA Nvidia Corp. 0.30% 9,871 $1.7M No change
SMH Vaneck Semiconductor ETF 0.28% 4,181 $1.6M No change
GLD SPDR Gold Shares 0.27% 3,698 $1.6M No change
VEU Vanguard Ftse All-World Ex-U 0.27% 20,926 $1.6M No change
PNOV Innovator U.S. Equity Power 0.27% 38,000 $1.6M Reduce -4.1%
XLE SS Energy Select Sector 0.27% 25,251 $1.5M No change
JBND JPMorgan Active Bond ETF 0.26% 28,371 $1.5M No change
EEM iShares MSCI Emerging Market 0.22% 22,207 $1.3M No change
JPM JPMorgan Chase & Co. 0.21% 4,083 $1.2M No change
PDEC Innovator U.S. Equity Power 0.21% 28,059 $1.2M Reduce -5.5%
VTV Vanguard Mrngstr Val ETF-Aui 0.19% 5,730 $1.1M No change
PHO Invesco Water Resources ETF 0.19% 16,193 $1.1M No change
XME SS SPDR S&P Metals Mining 0.17% 9,363 $1.0M No change
CWI State Street SPDR MSCI Acwi 0.17% 26,562 $972K Reduce -8.8%
EFIV SS SPDR S&P 500 ESG ETF 0.16% 15,138 $955K No change
BKLC BNY Mellon US LRG Cap Cor 0.16% 7,460 $931K No change
LRCX Lam Research Corp. 0.15% 4,175 $892K No change
PJAN Innovator U.S. Equity Power 0.15% 19,175 $885K No change
VONE Vanguard Russell 1000 0.15% 2,870 $847K No change
KO The Coca-Cola Co. 0.14% 10,661 $811K No change
JNJ Johnson & Johnson 0.13% 3,073 $751K Reduce -6.5%
MRK Merck & Co. Inc. 0.13% 6,163 $741K Add +4.1%
SCHX Schwab US Large-Cap ETF 0.13% 28,455 $730K No change
URTH iShares MSCI World ETF 0.12% 3,985 $717K No change
DBEF Xtrackers MSCI Eafe Hedged E 0.12% 14,349 $709K No change
ECL Ecolab Inc. 0.11% 2,472 $658K No change
PG The Procter & Gamble Co. 0.11% 4,519 $653K Reduce -8.3%
BJUN Innovator U.S. Equity Buffer 0.11% 14,103 $652K No change
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.11% 1,723 $633K Reduce -80.0%
IAU iShares Gold Trust 0.11% 7,179 $633K No change
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 No change
XOM Exxon Mobil Corp. 0.11% 3,660 $621K Add +23.5%
QQQM Invesco Nasdaq 100 ETF 0.11% 2,612 $621K No change
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 0.11% 2,524 $612K No change
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 No change
EAGG iShares ESG Aware US Aggrega 0.10% 11,934 $567K No change
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 No change
PJUL Innovator U.S. Equity Power 0.10% 12,013 $552K No change
SPEM State Street SP PTF Em ETF 0.09% 11,639 $546K No change
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 No change
VYM Vanguard High DVD Yield ETF 0.09% 3,518 $521K No change
EMXC iShares MSCI Emr MRK Ex Chna 0.09% 6,600 $519K No change
ETN Eaton Corp. PLC 0.09% 1,430 $511K No change
IWS iShares Russell Mid-Cap Valu 0.09% 3,478 $507K No change
ZAUG Innov Eq Protect ETF - 1 Aug 0.09% 18,821 $501K No change
XLF SS Financial Select Sector 0.09% 10,062 $497K No change
FBND Fidelity Total Bond ETF 0.08% 10,723 $489K No change
LNT Alliant Energy Corp. 0.08% 6,502 $467K No change
MCD McDonald's Corp. 0.08% 1,500 $466K Add +42.9%
PLTR Palantir Technologies Inc. Class A 0.08% 3,180 $465K No change
DFAX Dimensional World Ex US Core 0.08% 13,691 $465K No change
GDX Vaneck Gold Miners ETF 0.07% 4,735 $435K No change
AMGN Amgen Inc. 0.07% 1,229 $432K Reduce -16.3%
MGV Vngrd Mrgstr MG CP VL ETF-Ui 0.07% 2,865 $415K No change
PAUG Innovator U.S. Equity Power 0.07% 9,432 $403K No change
PSEP Innovator U.S. Equity Power 0.07% 9,154 $394K No change
COST Costco Wholesale Corp. 0.07% 388 $387K No change
BND Vanguard Total Bond Market 0.06% 5,094 $375K No change
DFAC Dimensional US Core Equity 2 0.06% 9,410 $366K No change
DTE DTE Energy Company 0.06% 2,472 $361K No change
BJAN Innovator U.S. Equity Buffer 0.06% 6,757 $360K No change
SO The Southern Co. 0.06% 3,673 $355K No change
ESGE iShares Inc. iShares ESG Awar 0.06% 7,628 $347K No change
IRM Iron Mountain Inc. filed as IRON MTN INC DEL 0.06% 3,350 $342K No change
V Visa Inc. Class A 0.06% 1,132 $342K No change
IWM iShares Russell 2000 ETF 0.06% 1,374 $341K No change
EQAL Invesco Russell 1000 Equal W 0.06% 6,172 $340K No change
NEE Nextera Energy Inc. 0.06% 3,649 $339K No change
IWN iShares Russell 2000 Value E 0.06% 1,758 $333K No change
WMT Walmart Inc. 0.06% 2,680 $333K Add +20.2%
CFBK CF Bankshares Inc. 0.06% 11,843 $331K No change
VXF Vanguard Extended Market ETF 0.06% 1,606 $331K No change
LMBS First Trust Low Duration Opp 0.06% 6,632 $330K No change
SPTS SS SPDR P St Term TSY ETF 0.06% 11,180 $326K No change
PMAY Innovator U.S. Equity Power 0.05% 7,838 $313K No change
VIG Vanguard Dividend Apprec ETF 0.05% 1,446 $311K No change
ORCL Oracle Corp. 0.05% 2,101 $309K Reduce -51.7%
CINF Cincinnati Financial Corp. 0.05% 1,950 $307K No change
HD Home Depot Inc. 0.05% 897 $295K No change
ABBV Abbvie Inc. 0.05% 1,334 $290K No change
BNOV Innovator U.S. Equity Buffer 0.05% 6,459 $278K No change
TSLA Tesla Inc. 0.05% 747 $278K No change
IEF iShares 7-10 Year Treasury B 0.05% 2,909 $278K No change
RTX RTX Corp. 0.05% 1,426 $275K No change
SCHA Schwab US Small-Cap ETF 0.05% 9,380 $273K No change
BBIO Bridgebio Pharma Inc. 0.05% 3,599 $267K No change
BJUL Innovator U.S. Equity Buffer 0.05% 5,368 $267K No change
CRM Salesforce Inc. 0.05% 1,423 $266K No change
PM Philip Morris International 0.05% 1,597 $264K No change
XTN SS SPDR S&P Transport ETF 0.04% 2,777 $258K No change
FBTC Fidelity Wise Origin Bitcoin 0.04% 4,296 $254K No change
MMM 3M Co. 0.04% 1,744 $253K No change
BAR Graniteshares Gold Trust 0.04% 5,446 $251K No change
SUSC iShares ESG Aware Usd Corpor 0.04% 10,842 $251K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.04% 839 $251K No change
SLV iShares Silver Trust 0.04% 3,615 $246K No change
SUSB iShares ESG Aware 1-5 Year U 0.04% 9,787 $245K No change
SCHD Schwab US DVD Equity ETF 0.04% 7,992 $245K No change
XSW SS SPDR S&P Soft & Serv ETF 0.04% 1,704 $242K No change
VOE Vngrd Mrngstr MD-Cap Val ETF 0.04% 1,313 $242K No change
IEMG iShares Core MSCI Emerging 0.04% 3,466 $242K No change
DE Deere & Co. 0.04% 422 $238K No change
VB Vanguard Most SM-Cap ETF-Usd 0.04% 880 $230K No change
VWO Vanguard Ftse Emerging Marke 0.04% 4,181 $226K No change
MDYG SS SPDR S&P 400 MC GR ETF 0.04% 2,349 $225K No change
NFLX Netflix Inc. 0.04% 2,290 $220K No change
GAMR Amplify Video Game LDRS ETF 0.04% 2,895 $217K No change
PBW Invesco Wilderhill Clean Ene 0.04% 6,837 $216K No change
FELC Fidelity Enh LRG Cap Cor ETF 0.04% 5,926 $215K No change
SUSA iShares ESG Optimized MSCI U 0.04% 1,606 $212K No change
AXP American Express Co. 0.04% 695 $210K No change
JEPI JPMorgan Equity Premium Inco 0.04% 3,705 $210K No change
CL Colgate-Palmolive Co. 0.04% 2,415 $206K No change
SPDW Ste STR SPDR PT DW Eu ETF 0.04% 4,460 $204K No change
BA The Boeing Co. 0.04% 1,021 $203K No change
PNC PNC Financial Services Group 0.03% 975 $203K No change
META Meta Platforms Inc. Class A 0.03% 353 $202K No change
TT Trane Technologies PLC 0.03% 482 $201K No change
IBB iShares Biotechnology ETF 0.03% 1,186 $200K No change
SLI Standard Lithium Ltd. 0.03% 53,300 $182K No change
BTG B2GOLD Corp. 0.01% 17,482 $79K No change

Portfolio Sells Q1 2026 → Q2 2026
AMZN Amazon.com Inc. Reduce -48.6% 0.30% −0.28
DIS The Walt Disney Co. Sold out 0.00% −0.06
ORCL Oracle Corp. Reduce -51.7% 0.05% −0.06
SPYX SS SPDR S&P 500 Foss FL ETF Reduce -2.8% 1.50% −0.03
IJH iShares Core S&P Midcap ETF Reduce -1.5% 2.69% −0.02
CWI State Street SPDR MSCI Acwi Reduce -8.8% 0.17% −0.01
AMGN Amgen Inc. Reduce -16.3% 0.07% −0.01
PDEC Innovator U.S. Equity Power Reduce -5.5% 0.21% −0.01
AVDE Avantis International Equity Reduce -1.9% 0.83% −0.01
PNOV Innovator U.S. Equity Power Reduce -4.1% 0.27% −0.01
PG The Procter & Gamble Co. Reduce -8.3% 0.11% −0.01
JMUB JPMorgan Municipal ETF Reduce -1.4% 1.20% −0.01
JNJ Johnson & Johnson Reduce -6.5% 0.13% −0.01
SPYG SS SPDR P S&P 500 Growth ETF Reduce -1.1% 0.56% −0.00
MDY State Street SPDR S&P Midcap Reduce -0.8% 1.08% −0.00
MGK Vngrd Mrgstr MG CP GR ETF-Ui Reduce -80.0% 0.11% +0.00
VUG Vanguard Mrngstar GR ETF-Sui Reduce -83.3% 0.42% +0.00
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -75.0% 0.69% +0.01
IVV iShares Core S&P 500 ETF Reduce -0.4% 6.17% +0.02
SPMD SS SPDR P S&P 400 Midcap ETF Reduce -0.4% 7.28% +0.03
MINT PIMCO Enhanced Short Maturit Reduce -0.1% 6.01% +0.04
JPST JPMorgan Ultra-Short Income Reduce -0.1% 6.26% +0.04
IWF iShares Russell 1000 Growth Reduce -74.9% 3.10% +0.04
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.1% 7.80% +0.05
SPYM Ste STR SPDR PT S&P 500 ETF Reduce -0.5% 24.38% +0.05

Portfolio Buys Q1 2026 → Q2 2026
MCD McDonald's Corp. Add +42.9% 0.08% +0.02
XOM Exxon Mobil Corp. Add +23.5% 0.11% +0.02
WMT Walmart Inc. Add +20.2% 0.06% +0.01
SPYV SS SPDR P S&P 500 Value ETF Add +0.7% 0.41% +0.01
MRK Merck & Co. Inc. Add +4.1% 0.13% +0.01

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