Retirement Investment Advisors, Inc.

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 12, 2025), Retirement Investment Advisors, Inc. reported 62 stock positions worth $948.3 million. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 21.6% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 21.3%) and iShares Core MSCI Eafe ETF (IEFA, 13.5%). Compared with Q3 2024, it opened 6 new positions, added to 22 and reduced 14. The biggest buy was a new position in Xtrackers Usd High Yield Cor (HYLB) and the biggest sale SS SPDR S&P Dividend ETF (SDY, shares −4%).

Most Recent 13F
Q2 2026
Location
OKLAHOMA CITY, OK
CIK
0001957886
Portfolio Value
$948.3M (Q4 2024)
SEC Filing
0001957886-25-000001 ↗ filed Feb 12, 2025

Holdings Value

0$500.0M$1.0B$1.5B Q2 2024: $823.6M Q2 2024 Q3 2024: $915.5M Q3 2024 Q4 2024: $948.3M $948.3M Q4 2024 Q1 2025: $987.7M Q1 2025 Q2 2025: $1.1B Q2 2025 Q3 2025: $1.2B Q3 2025 Q4 2025: $1.2B Q4 2025 Q1 2026: $1.2B Q1 2026 Q2 2026: $1.4B Q2 2026

Holdings 62 stocks · $948.3M
VUG Vanguard Mrngstar GR ETF-Sui 21.56% 498,166 $204.5M Add +1.0%
VTV Vanguard Mrngstr Val ETF-Aui 21.29% 1,192,295 $201.9M Add +3.7%
IEFA iShares Core MSCI Eafe ETF 13.50% 1,821,254 $128.0M Add +6.5%
BIV Vanguard Intermediate-Term B 11.34% 1,438,817 $107.5M Add +4.6%
VBR Vngrd Mrngst SL-CP Val ETF-U 7.00% 334,894 $66.4M Add +2.9%
IEMG iShares Core MSCI Emerging 6.66% 1,208,701 $63.1M Add +5.3%
BNDX Vanguard Total Intl Bond ETF 4.14% 800,551 $39.3M Add +6.2%
MUB iShares National Muni Bond E 3.32% 295,163 $31.4M Add +15.4%
EMB iShares JP Morgan Usd Emergi 2.28% 242,609 $21.6M Add +4.9%
HYLB Xtrackers Usd High Yield Cor 1.73% 455,505 $16.4M New
VBK Van Morst SML-Cap Gro-Usd Inc. 1.67% 56,563 $15.8M Add +8.0%
HYD Vaneck High Yield Muni ETF 0.56% 101,672 $5.3M Add +12.0%
VTEB Vanguard Tax-Exempt Bond ETF 0.50% 95,421 $4.8M Add +2.9%
XOM Exxon Mobil Corp. 0.41% 35,706 $3.8M No change
SCHV Schwab US Large-Cap Value 0.39% 141,876 $3.7M Add +0.9%
QQQ Invesco QQQ Trust Series 1 0.38% 7,116 $3.6M Reduce -2.2%
SDY SS SPDR S&P Dividend ETF 0.23% 16,432 $2.2M Reduce -3.6%
IJR iShares Core S&P Small-Cap E 0.18% 14,909 $1.7M Reduce -3.0%
VEA Vanguard Ftse Developed ETF 0.18% 35,721 $1.7M Add +1.0%
VXUS Vanguard Total Intl Stock 0.17% 27,516 $1.6M Reduce -2.8%
AAPL Apple Inc. 0.17% 6,416 $1.6M Add +0.6%
OKE Oneok Inc. 0.15% 14,336 $1.4M Reduce -1.1%
NVDA Nvidia Corp. 0.15% 10,550 $1.4M Reduce -0.1%
BRK.B Berkshire Hathaway Inc. Class B 0.15% 3,045 $1.4M Reduce -0.7%
VCSH Vanguard S/T Corp. Bond ETF 0.14% 17,260 $1.3M Reduce -2.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.14% 2,203 $1.3M Reduce -15.4%
TXN Texas Instruments Inc. 0.13% 6,709 $1.3M Reduce -7.5%
TSLA Tesla Inc. 0.13% 2,958 $1.2M Add +3.5%
VWO Vanguard Ftse Emerging Marke 0.13% 27,018 $1.2M Reduce -2.4%
RSP Invesco S&P 500 Equal Weight 0.12% 6,590 $1.2M No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.09% 3,750 $824K Add +42.0%
PSX Phillips 66 0.08% 6,694 $763K Add +0.1%
IWN iShares Russell 2000 Value E 0.07% 3,867 $635K Add +1.0%
COP Conocophillips 0.07% 6,383 $633K No change
PWV Invesco Large Cap Value ETF 0.06% 10,502 $597K Reduce -16.6%
VTI VG Morningstar TS MKT ETF-US 0.06% 1,930 $559K No change
OGE Oge Energy Corp. 0.06% 13,531 $558K Reduce -9.2%
WMT Walmart Inc. 0.06% 5,916 $535K No change
IWM iShares Russell 2000 ETF 0.06% 2,384 $527K No change
IAGG iShares Intl Aggregate Bond 0.04% 7,853 $392K No change
SGOV iShares 0-3 Month Treasury B 0.04% 3,601 $361K No change
DGRW Wisdomtree U.S. Quality Divi 0.04% 4,451 $360K New
ET Energy Transfer LP 0.04% 17,072 $334K No change
SFNC Simmons First Natl Corp. Class A 0.04% 15,000 $333K Add +97.2%
MCD McDonald's Corp. 0.03% 974 $282K No change
WMB Williams Cos Inc. 0.03% 4,968 $269K New
TRI Thomson Reuters Corp. 0.03% 1,573 $252K No change
VGT Vanguard Info Tech ETF 0.03% 404 $251K Add +2.5%
MSFT Microsoft Corp. 0.03% 565 $238K Add +0.5%
SPDW Ste STR SPDR PT DW Eu ETF 0.02% 6,905 $236K Reduce -6.2%
RCL Royal Caribbean Cruises Ltd. 0.02% 1,000 $231K New
BANF Bancfirst Corp. 0.02% 1,902 $223K No change
HYMB SS SPDR N Ice HY Muni ETF 0.02% 8,653 $221K No change
AMZN Amazon.com Inc. 0.02% 971 $213K New
UTHR United Therapeutics Corp. 0.02% 600 $212K No change
JNJ Johnson & Johnson 0.02% 1,421 $206K No change
BX Blackstone Inc. 0.02% 1,169 $202K New
F Ford Motor Co. filed as FORD MTR CO 0.02% 20,029 $198K No change
MJTK Cannasys Inc. 0.00% 20,000 $9 No change
MJNA Medical Marijuana Inc. 0.00% 20,000 $8 No change
HEMP Hemp Inc. 0.00% 10,000 $0 No change
OWCP Owc Pharmaceutical Research 0.00% 25,000 $0 No change

Portfolio Sells Q3 2024 → Q4 2024
SDY SS SPDR S&P Dividend ETF Reduce -3.6% 0.23% −0.04
TXN Texas Instruments Inc. Reduce -7.5% 0.13% −0.03
VXUS Vanguard Total Intl Stock Reduce -2.8% 0.17% −0.03
SPY SS SPDR S&P 500 ETF Trust-US Reduce -15.4% 0.14% −0.03
VWO Vanguard Ftse Emerging Marke Reduce -2.4% 0.13% −0.02
PWV Invesco Large Cap Value ETF Reduce -16.6% 0.06% −0.02
IJR iShares Core S&P Small-Cap E Reduce -3.0% 0.18% −0.02
VCSH Vanguard S/T Corp. Bond ETF Reduce -2.1% 0.14% −0.01
BRK.B Berkshire Hathaway Inc. Class B Reduce -0.7% 0.15% −0.01
OGE Oge Energy Corp. Reduce -9.2% 0.06% −0.01
SPDW Ste STR SPDR PT DW Eu ETF Reduce -6.2% 0.02% −0.01
QQQ Invesco QQQ Trust Series 1 Reduce -2.2% 0.38% −0.00
OKE Oneok Inc. Reduce -1.1% 0.15% +0.01
NVDA Nvidia Corp. Reduce -0.1% 0.15% +0.01

Portfolio Buys Q3 2024 → Q4 2024
HYLB Xtrackers Usd High Yield Cor New 1.73% +1.73
VUG Vanguard Mrngstar GR ETF-Sui Add +1.0% 21.56% +0.87
MUB iShares National Muni Bond E Add +15.4% 3.32% +0.28
VBK Van Morst SML-Cap Gro-Usd Inc. Add +8.0% 1.67% +0.14
TSLA Tesla Inc. Add +3.5% 0.13% +0.04
DGRW Wisdomtree U.S. Quality Divi New 0.04% +0.04
HYD Vaneck High Yield Muni ETF Add +12.0% 0.56% +0.03
WMB Williams Cos Inc. New 0.03% +0.03
RCL Royal Caribbean Cruises Ltd. New 0.02% +0.02
IBM Intl Business Machines Corp. Add +42.0% 0.09% +0.02
AMZN Amazon.com Inc. New 0.02% +0.02
BX Blackstone Inc. New 0.02% +0.02
AAPL Apple Inc. Add +0.6% 0.17% +0.01
VGT Vanguard Info Tech ETF Add +2.5% 0.03% +0.00
BNDX Vanguard Total Intl Bond ETF Add +6.2% 4.14% +0.00
SFNC Simmons First Natl Corp. Class A Add +97.2% 0.04% −0.00
MSFT Microsoft Corp. Add +0.5% 0.03% −0.00
IWN iShares Russell 2000 Value E Add +1.0% 0.07% −0.00
VTEB Vanguard Tax-Exempt Bond ETF Add +2.9% 0.50% −0.01
PSX Phillips 66 Add +0.1% 0.08% −0.02
SCHV Schwab US Large-Cap Value Add +0.9% 0.39% −0.02
VEA Vanguard Ftse Developed ETF Add +1.0% 0.18% −0.02
EMB iShares JP Morgan Usd Emergi Add +4.9% 2.28% −0.09
VBR Vngrd Mrngst SL-CP Val ETF-U Add +2.9% 7.00% −0.14
BIV Vanguard Intermediate-Term B Add +4.6% 11.34% −0.44
IEMG iShares Core MSCI Emerging Add +5.3% 6.66% −0.54
VTV Vanguard Mrngstr Val ETF-Aui Add +3.7% 21.29% −0.64
IEFA iShares Core MSCI Eafe ETF Add +6.5% 13.50% −1.08

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 66$1.4BVTV, VUG, IEFA, BIV, IEMG
Q1 2026 67$1.2BVTV, VUG, IEFA, BIV, IEMG
Q4 2025 65$1.2BVTV, VUG, IEFA, BIV, IEMG
Q3 2025 65$1.2BVUG, VTV, IEFA, BIV, IEMG
Q2 2025 61$1.1BVUG, VTV, IEFA, BIV, IEMG
Q1 2025 60$987.7MVTV, VUG, IEFA, BIV, IEMG
Q4 2024 62$948.3MVUG, VTV, IEFA, BIV, VBR
Q3 2024 56$915.5MVTV, VUG, IEFA, BIV, IEMG
Q2 2024 54$823.6MVUG, VTV, IEFA, BIV, IEMG