Retirement Investment Advisors, Inc.

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 28, 2025), Retirement Investment Advisors, Inc. reported 65 stock positions worth $1.2 billion. Its top holding was Vanguard Mrngstar GR ETF-Sui (VUG) at 21.1% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 20.9%) and iShares Core MSCI Eafe ETF (IEFA, 14.9%). Compared with Q2 2025, it opened 7 new positions, sold out of 3, added to 24 and reduced 12. The biggest buy was a new position in iShares Core S&P 500 ETF (IVV) and the biggest sale an exit from Berkshire Hathaway Class B (BRK.B).

Most Recent 13F
Q2 2026
Location
OKLAHOMA CITY, OK
CIK
0001957886
Portfolio Value
$1.2B (Q3 2025)
SEC Filing
0001957886-25-000007 ↗ filed Oct 28, 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 Q2 2025 Q3 2025: $1.2B $1.2B Q3 2025 Q4 2025: $1.2B Q4 2025 Q1 2026: $1.2B Q1 2026 Q2 2026: $1.4B Q2 2026

Holdings 65 stocks · $1.2B
VUG Vanguard Mrngstar GR ETF-Sui 21.07% 528,530 $253.5M Reduce -0.3%
VTV Vanguard Mrngstr Val ETF-Aui 20.90% 1,347,967 $251.4M Add +2.7%
IEFA iShares Core MSCI Eafe ETF 14.94% 2,057,999 $179.7M Add +1.8%
BIV Vanguard Intermediate-Term B 10.90% 1,679,792 $131.2M Add +3.0%
IEMG iShares Core MSCI Emerging 7.53% 1,373,436 $90.5M Add +1.6%
VBR Vngrd Mrngst SL-CP Val ETF-U 6.70% 386,047 $80.6M Add +1.7%
BNDX Vanguard Total Intl Bond ETF 3.94% 957,023 $47.3M Add +4.3%
MUB iShares National Muni Bond E 3.47% 392,035 $41.7M Add +10.7%
EMB iShares JP Morgan Usd Emergi 2.24% 282,595 $26.9M Add +3.4%
HYLB Xtrackers Usd High Yield Cor 1.60% 518,245 $19.2M Add +2.0%
VBK Van Morst SML-Cap Gro-Usd Inc. 1.51% 60,982 $18.1M Add +2.9%
HYD Vaneck High Yield Muni ETF 0.57% 134,974 $6.9M Add +10.3%
VTEB Vanguard Tax-Exempt Bond ETF 0.41% 97,394 $4.9M Add +4.5%
SCHV Schwab US Large-Cap Value 0.35% 144,540 $4.2M Reduce -0.1%
QQQ Invesco QQQ Trust Series 1 0.35% 6,958 $4.2M Reduce -0.6%
XOM Exxon Mobil Corp. 0.35% 36,842 $4.2M Add +4.1%
IVV iShares Core S&P 500 ETF 0.24% 4,348 $2.9M New
VEA Vanguard Ftse Developed ETF 0.21% 42,213 $2.5M Add +0.1%
SDY SS SPDR S&P Dividend ETF 0.19% 16,326 $2.3M Add +0.3%
VXUS Vanguard Total Intl Stock 0.17% 27,196 $2.0M Reduce -0.1%
NVDA Nvidia Corp. 0.15% 9,361 $1.7M Add +2.2%
IJR iShares Core S&P Small-Cap E 0.14% 14,664 $1.7M Reduce -1.6%
Apple Inc 0.14% 6,501 $1.7M New
SPY SS SPDR S&P 500 ETF Trust-US 0.13% 2,417 $1.6M Add +23.1%
Berkshire Hathaway Class B 0.13% 3,139 $1.6M New
VWO Vanguard Ftse Emerging Marke 0.12% 27,145 $1.5M Reduce -0.5%
VCSH Vanguard S/T Corp. Bond ETF 0.11% 17,065 $1.4M No change
TXN Texas Instruments Inc. 0.10% 6,450 $1.2M Reduce -3.9%
TSLA Tesla Inc. 0.10% 2,660 $1.2M Reduce -0.4%
RSP Invesco S&P 500 Equal Weight 0.09% 5,980 $1.1M No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.09% 3,750 $1.1M No change
OKE Oneok Inc. 0.09% 14,335 $1.0M No change
PSX Phillips 66 0.08% 6,687 $910K No change
ITOT iShares Core S&P Total U.S. 0.07% 6,036 $879K New
WMT Walmart Inc. 0.07% 7,961 $820K Add +34.6%
IWN iShares Russell 2000 Value E 0.06% 4,183 $740K No change
PWV Invesco Large Cap Value ETF 0.06% 10,393 $678K No change
VTI VG Morningstar TS MKT ETF-US 0.05% 1,929 $633K No change
OGE Oge Energy Corp. 0.05% 13,531 $626K No change
IWM iShares Russell 2000 ETF 0.05% 2,318 $561K No change
COP Conocophillips 0.04% 5,459 $516K Reduce -14.5%
IAGG iShares Intl Aggregate Bond 0.04% 8,769 $449K Add +3.5%
VGT Vanguard Info Tech ETF 0.03% 469 $350K Add +19.0%
SGOV iShares 0-3 Month Treasury B 0.03% 3,453 $348K Reduce -1.1%
MSFT Microsoft Corp. 0.03% 622 $322K Add +16.5%
MCD McDonald's Corp. 0.03% 1,050 $319K Add +7.8%
WMB Williams Cos Inc. 0.03% 4,964 $314K No change
JNJ Johnson & Johnson 0.02% 1,611 $299K Add +13.4%
SPDW Ste STR SPDR PT DW Eu ETF 0.02% 6,905 $295K No change
SFNC Simmons First Natl Corp. Class A 0.02% 15,000 $288K No change
ET Energy Transfer LP 0.02% 16,055 $276K Reduce -39.6%
RCL Royal Caribbean Cruises Ltd. 0.02% 800 $259K No change
UTHR United Therapeutics Corp. 0.02% 600 $252K New
TRI Thomson Reuters Corp. 0.02% 1,573 $244K No change
BANF Bancfirst Corp. 0.02% 1,902 $241K No change
F Ford Motor Co. filed as FORD MTR CO 0.02% 19,973 $239K No change
HYMB SS SPDR N Ice HY Muni ETF 0.02% 9,264 $231K Add +0.0%
SHEL Shell PLC-ADR 0.02% 3,130 $224K No change
Amazon.Com Inc 0.02% 960 $211K New
RTX RTX Corp. 0.02% 1,235 $207K New
DGRW Wisdomtree U.S. Quality Divi 0.02% 2,321 $206K Reduce -47.9%
MJTK Cannasys Inc. 0.00% 20,000 $9 No change
MJNA Medical Marijuana Inc. 0.00% 20,000 $4 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 Q2 2025 → Q3 2025
BRK.B Berkshire Hathaway Inc. Class B Sold out 0.00% −0.14
AAPL Apple Inc. Sold out 0.00% −0.11
TXN Texas Instruments Inc. Reduce -3.9% 0.10% −0.03
ET Energy Transfer LP Reduce -39.6% 0.02% −0.02
AMZN Amazon.com Inc. Sold out 0.00% −0.02
DGRW Wisdomtree U.S. Quality Divi Reduce -47.9% 0.02% −0.02
SCHV Schwab US Large-Cap Value Reduce -0.1% 0.35% −0.01
COP Conocophillips Reduce -14.5% 0.04% −0.01
VXUS Vanguard Total Intl Stock Reduce -0.1% 0.17% −0.00
SGOV iShares 0-3 Month Treasury B Reduce -1.1% 0.03% −0.00
IJR iShares Core S&P Small-Cap E Reduce -1.6% 0.14% −0.00
QQQ Invesco QQQ Trust Series 1 Reduce -0.6% 0.35% −0.00
VWO Vanguard Ftse Emerging Marke Reduce -0.5% 0.12% +0.00
TSLA Tesla Inc. Reduce -0.4% 0.10% +0.02
VUG Vanguard Mrngstar GR ETF-Sui Reduce -0.3% 21.07% +0.17

Portfolio Buys Q2 2025 → Q3 2025
IVV iShares Core S&P 500 ETF New 0.24% +0.24
IEMG iShares Core MSCI Emerging Add +1.6% 7.53% +0.23
MUB iShares National Muni Bond E Add +10.7% 3.47% +0.14
Apple Inc New 0.14% +0.14
Berkshire Hathaway Class B New 0.13% +0.13
ITOT iShares Core S&P Total U.S. New 0.07% +0.07
VBR Vngrd Mrngst SL-CP Val ETF-U Add +1.7% 6.70% +0.04
VTV Vanguard Mrngstr Val ETF-Aui Add +2.7% 20.90% +0.04
VBK Van Morst SML-Cap Gro-Usd Inc. Add +2.9% 1.51% +0.03
SPY SS SPDR S&P 500 ETF Trust-US Add +23.1% 0.13% +0.02
UTHR United Therapeutics Corp. New 0.02% +0.02
HYD Vaneck High Yield Muni ETF Add +10.3% 0.57% +0.02
Amazon.Com Inc New 0.02% +0.02
RTX RTX Corp. New 0.02% +0.02
WMT Walmart Inc. Add +34.6% 0.07% +0.02
NVDA Nvidia Corp. Add +2.2% 0.15% +0.01
VGT Vanguard Info Tech ETF Add +19.0% 0.03% +0.01
JNJ Johnson & Johnson Add +13.4% 0.02% +0.01
MSFT Microsoft Corp. Add +16.5% 0.03% +0.00
XOM Exxon Mobil Corp. Add +4.1% 0.35% +0.00
MCD McDonald's Corp. Add +7.8% 0.03% +0.00
HYMB SS SPDR N Ice HY Muni ETF Add +0.0% 0.02% −0.00
IAGG iShares Intl Aggregate Bond Add +3.5% 0.04% −0.00
VTEB Vanguard Tax-Exempt Bond ETF Add +4.5% 0.41% −0.01
VEA Vanguard Ftse Developed ETF Add +0.1% 0.21% −0.01
SDY SS SPDR S&P Dividend ETF Add +0.3% 0.19% −0.01
EMB iShares JP Morgan Usd Emergi Add +3.4% 2.24% −0.04
HYLB Xtrackers Usd High Yield Cor Add +2.0% 1.60% −0.09
BNDX Vanguard Total Intl Bond ETF Add +4.3% 3.94% −0.15
IEFA iShares Core MSCI Eafe ETF Add +1.8% 14.94% −0.25
BIV Vanguard Intermediate-Term B Add +3.0% 10.90% −0.44

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