Retirement Investment Advisors, Inc.

In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 7, 2025), Retirement Investment Advisors, Inc. reported 61 stock positions worth $1.1 billion. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 20.9% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 20.9%) and iShares Core MSCI Eafe ETF (IEFA, 15.2%). Compared with Q1 2025, it opened 1 new position, added to 18 and reduced 18. The biggest buy was Vanguard Mrngstar GR ETF-Sui (VUG, shares +5%) and the biggest sale Vanguard Tax-Exempt Bond ETF (VTEB, shares −2%).

Most Recent 13F
Q2 2026
Location
OKLAHOMA CITY, OK
CIK
0001957886
Portfolio Value
$1.1B (Q2 2025)
SEC Filing
0001957886-25-000004 ↗ filed Aug 7, 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 Q4 2024 Q1 2025: $987.7M Q1 2025 Q2 2025: $1.1B $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 61 stocks · $1.1B
VUG Vanguard Mrngstar GR ETF-Sui 20.90% 529,933 $232.3M Add +5.1%
VTV Vanguard Mrngstr Val ETF-Aui 20.86% 1,312,143 $231.9M Add +5.2%
IEFA iShares Core MSCI Eafe ETF 15.19% 2,022,669 $168.9M Add +4.1%
BIV Vanguard Intermediate-Term B 11.34% 1,630,295 $126.1M Add +4.4%
IEMG iShares Core MSCI Emerging 7.30% 1,351,515 $81.1M Add +4.6%
VBR Vngrd Mrngst SL-CP Val ETF-U 6.66% 379,601 $74.0M Add +7.2%
BNDX Vanguard Total Intl Bond ETF 4.09% 917,482 $45.4M Add +5.9%
MUB iShares National Muni Bond E 3.33% 354,160 $37.0M Add +11.4%
EMB iShares JP Morgan Usd Emergi 2.28% 273,407 $25.3M Add +6.2%
HYLB Xtrackers Usd High Yield Cor 1.69% 508,003 $18.8M Add +5.3%
VBK Van Morst SML-Cap Gro-Usd Inc. 1.48% 59,263 $16.4M Add +1.4%
HYD Vaneck High Yield Muni ETF 0.55% 122,317 $6.1M Add +12.0%
VTEB Vanguard Tax-Exempt Bond ETF 0.41% 93,234 $4.6M Reduce -2.2%
SCHV Schwab US Large-Cap Value 0.36% 144,749 $4.0M Add +0.4%
QQQ Invesco QQQ Trust Series 1 0.35% 7,003 $3.9M Reduce -0.1%
XOM Exxon Mobil Corp. 0.34% 35,397 $3.8M No change
VEA Vanguard Ftse Developed ETF 0.22% 42,173 $2.4M Add +18.3%
SDY SS SPDR S&P Dividend ETF 0.20% 16,269 $2.2M Reduce -0.0%
VXUS Vanguard Total Intl Stock 0.17% 27,223 $1.9M Reduce -1.1%
IJR iShares Core S&P Small-Cap E 0.15% 14,902 $1.6M Reduce -0.1%
BRK.B Berkshire Hathaway Inc. Class B 0.14% 3,104 $1.5M Add +1.9%
NVDA Nvidia Corp. 0.13% 9,159 $1.4M No change
TXN Texas Instruments Inc. 0.13% 6,709 $1.4M No change
VCSH Vanguard S/T Corp. Bond ETF 0.12% 17,065 $1.4M Reduce -0.7%
VWO Vanguard Ftse Emerging Marke 0.12% 27,291 $1.3M Reduce -0.3%
SPY SS SPDR S&P 500 ETF Trust-US 0.11% 1,964 $1.2M Reduce -5.4%
AAPL Apple Inc. 0.11% 5,869 $1.2M Reduce -8.0%
OKE Oneok Inc. 0.11% 14,335 $1.2M No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.10% 3,750 $1.1M No change
RSP Invesco S&P 500 Equal Weight 0.10% 5,980 $1.1M Reduce -8.5%
TSLA Tesla Inc. 0.08% 2,670 $848K Reduce -9.7%
PSX Phillips 66 0.07% 6,687 $798K No change
IWN iShares Russell 2000 Value E 0.06% 4,183 $660K Add +1.9%
PWV Invesco Large Cap Value ETF 0.06% 10,393 $646K Reduce -0.1%
OGE Oge Energy Corp. 0.05% 13,531 $601K No change
VTI VG Morningstar TS MKT ETF-US 0.05% 1,929 $586K No change
WMT Walmart Inc. 0.05% 5,916 $578K No change
COP Conocophillips 0.05% 6,383 $573K No change
IWM iShares Russell 2000 ETF 0.04% 2,318 $500K Reduce -2.5%
ET Energy Transfer LP 0.04% 26,603 $482K Add +43.8%
IAGG iShares Intl Aggregate Bond 0.04% 8,471 $433K Reduce -0.6%
DGRW Wisdomtree U.S. Quality Divi 0.03% 4,451 $373K No change
SGOV iShares 0-3 Month Treasury B 0.03% 3,492 $352K Reduce -1.4%
TRI Thomson Reuters Corp. 0.03% 1,573 $316K No change
WMB Williams Cos Inc. 0.03% 4,964 $312K No change
MCD McDonald's Corp. 0.03% 974 $285K No change
SFNC Simmons First Natl Corp. Class A 0.03% 15,000 $284K No change
SPDW Ste STR SPDR PT DW Eu ETF 0.03% 6,905 $280K No change
MSFT Microsoft Corp. 0.02% 534 $266K No change
VGT Vanguard Info Tech ETF 0.02% 394 $261K No change
RCL Royal Caribbean Cruises Ltd. 0.02% 800 $251K Reduce -20.0%
BANF Bancfirst Corp. 0.02% 1,902 $235K No change
HYMB SS SPDR N Ice HY Muni ETF 0.02% 9,263 $230K Reduce -0.3%
SHEL Shell PLC-ADR 0.02% 3,130 $220K Add +6.3%
JNJ Johnson & Johnson 0.02% 1,421 $217K No change
F Ford Motor Co. filed as FORD MTR CO 0.02% 19,973 $217K Reduce -0.3%
AMZN Amazon.com Inc. 0.02% 960 $211K New
MJTK Cannasys Inc. 0.00% 20,000 $9 No change
MJNA Medical Marijuana Inc. 0.00% 20,000 $5 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 Q1 2025 → Q2 2025
VTEB Vanguard Tax-Exempt Bond ETF Reduce -2.2% 0.41% −0.07
AAPL Apple Inc. Reduce -8.0% 0.11% −0.04
SDY SS SPDR S&P Dividend ETF Reduce -0.0% 0.20% −0.02
RSP Invesco S&P 500 Equal Weight Reduce -8.5% 0.10% −0.02
VCSH Vanguard S/T Corp. Bond ETF Reduce -0.7% 0.12% −0.02
IJR iShares Core S&P Small-Cap E Reduce -0.1% 0.15% −0.01
SPY SS SPDR S&P 500 ETF Trust-US Reduce -5.4% 0.11% −0.01
PWV Invesco Large Cap Value ETF Reduce -0.1% 0.06% −0.00
SGOV iShares 0-3 Month Treasury B Reduce -1.4% 0.03% −0.00
IAGG iShares Intl Aggregate Bond Reduce -0.6% 0.04% −0.00
VWO Vanguard Ftse Emerging Marke Reduce -0.3% 0.12% −0.00
VXUS Vanguard Total Intl Stock Reduce -1.1% 0.17% −0.00
HYMB SS SPDR N Ice HY Muni ETF Reduce -0.3% 0.02% −0.00
IWM iShares Russell 2000 ETF Reduce -2.5% 0.04% −0.00
TSLA Tesla Inc. Reduce -9.7% 0.08% −0.00
F Ford Motor Co. Reduce -0.3% 0.02% −0.00
RCL Royal Caribbean Cruises Ltd. Reduce -20.0% 0.02% +0.00
QQQ Invesco QQQ Trust Series 1 Reduce -0.1% 0.35% +0.01

Portfolio Buys Q1 2025 → Q2 2025
VUG Vanguard Mrngstar GR ETF-Sui Add +5.1% 20.90% +1.97
IEFA iShares Core MSCI Eafe ETF Add +4.1% 15.19% +0.30
IEMG iShares Core MSCI Emerging Add +4.6% 7.30% +0.24
VEA Vanguard Ftse Developed ETF Add +18.3% 0.22% +0.03
AMZN Amazon.com Inc. New 0.02% +0.02
ET Energy Transfer LP Add +43.8% 0.04% +0.01
IWN iShares Russell 2000 Value E Add +1.9% 0.06% −0.00
SHEL Shell PLC-ADR Add +6.3% 0.02% −0.00
HYD Vaneck High Yield Muni ETF Add +12.0% 0.55% −0.01
VBK Van Morst SML-Cap Gro-Usd Inc. Add +1.4% 1.48% −0.01
VBR Vngrd Mrngst SL-CP Val ETF-U Add +7.2% 6.66% −0.02
SCHV Schwab US Large-Cap Value Add +0.4% 0.36% −0.03
BRK.B Berkshire Hathaway Inc. Class B Add +1.9% 0.14% −0.03
MUB iShares National Muni Bond E Add +11.4% 3.33% −0.06
HYLB Xtrackers Usd High Yield Cor Add +5.3% 1.69% −0.08
EMB iShares JP Morgan Usd Emergi Add +6.2% 2.28% −0.08
BNDX Vanguard Total Intl Bond ETF Add +5.9% 4.09% −0.20
BIV Vanguard Intermediate-Term B Add +4.4% 11.34% −0.76
VTV Vanguard Mrngstr Val ETF-Aui Add +5.2% 20.86% −0.95

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