Retirement Investment Advisors, Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 21, 2026), Retirement Investment Advisors, Inc. reported 65 stock positions worth $1.2 billion. Its top holding was Vanguard Mrngstr Val ETF-Aui (VTV) at 21.2% of the portfolio, followed by Vanguard Mrngstar GR ETF-Sui (VUG, 20.7%) and iShares Core MSCI Eafe ETF (IEFA, 15.0%). Compared with Q3 2025, it opened 8 new positions, sold out of 8, added to 19 and reduced 19. The biggest buy was Vanguard Mrngstr Val ETF-Aui (VTV, shares +2%) and the biggest sale Vanguard Mrngstar GR ETF-Sui (VUG, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- OKLAHOMA CITY, OK
- CIK
- 0001957886
- Portfolio Value
- $1.2B (Q4 2025)
- SEC Filing
- 0001957886-26-000005 ↗ filed Jan 21, 2026
Holdings Value
Holdings 65 stocks · $1.2B
| VTV Vanguard Mrngstr Val ETF-Aui | 21.18% | 1,375,849 | $262.8M | Add +2.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 20.71% | 526,861 | $257.0M | Reduce -0.3% |
| IEFA iShares Core MSCI Eafe ETF | 15.02% | 2,083,353 | $186.4M | Add +1.2% |
| BIV Vanguard Intermediate-Term B | 10.77% | 1,716,738 | $133.7M | Add +2.2% |
| IEMG iShares Core MSCI Emerging | 7.49% | 1,382,686 | $92.9M | Add +0.7% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 6.72% | 393,715 | $83.4M | Add +2.0% |
| BNDX Vanguard Total Intl Bond ETF | 3.88% | 995,929 | $48.1M | Add +4.1% |
| MUB iShares National Muni Bond E | 3.65% | 422,852 | $45.3M | Add +7.9% |
| EMB iShares JP Morgan Usd Emergi | 2.26% | 291,358 | $28.1M | Add +3.1% |
| HYLB Xtrackers Usd High Yield Cor | 1.57% | 529,159 | $19.5M | Add +2.1% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 1.52% | 62,479 | $18.9M | Add +2.5% |
| HYD Vaneck High Yield Muni ETF | 0.60% | 144,805 | $7.4M | Add +7.3% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.45% | 111,552 | $5.6M | Add +14.5% |
| SCHV Schwab US Large-Cap Value | 0.37% | 155,871 | $4.6M | Add +7.8% |
| XOM Exxon Mobil Corp. | 0.36% | 36,842 | $4.4M | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.33% | 6,757 | $4.2M | Reduce -2.9% |
| IVV iShares Core S&P 500 ETF | 0.24% | 4,395 | $3.0M | Add +1.1% |
| VEA Vanguard Ftse Developed ETF | 0.21% | 41,663 | $2.6M | Reduce -1.3% |
| SDY SS SPDR S&P Dividend ETF | 0.17% | 15,460 | $2.2M | Reduce -5.3% |
| VXUS Vanguard Total Intl Stock | 0.16% | 26,193 | $2.0M | Reduce -3.7% |
| AAPL Apple Inc. | 0.14% | 6,466 | $1.8M | New |
| IJR iShares Core S&P Small-Cap E | 0.14% | 14,098 | $1.7M | Reduce -3.9% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.14% | 2,477 | $1.7M | Add +2.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.13% | 3,278 | $1.6M | New |
| VWO Vanguard Ftse Emerging Marke | 0.11% | 26,399 | $1.4M | Reduce -2.8% |
| NVDA Nvidia Corp. | 0.11% | 7,344 | $1.4M | Reduce -21.6% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.10% | 16,034 | $1.3M | Reduce -6.0% |
| 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 |
| TSLA Tesla Inc. | 0.09% | 2,449 | $1.1M | Reduce -7.9% |
| ITOT iShares Core S&P Total U.S. | 0.07% | 6,036 | $897K | No change |
| IWN iShares Russell 2000 Value E | 0.07% | 4,934 | $894K | Add +17.9% |
| WMT Walmart Inc. | 0.07% | 7,961 | $887K | No change |
| OKE Oneok Inc. | 0.07% | 12,005 | $882K | Reduce -16.3% |
| PSX Phillips 66 | 0.07% | 6,687 | $863K | No change |
| PWV Invesco Large Cap Value ETF | 0.06% | 10,267 | $683K | Reduce -1.2% |
| VTI VG Morningstar TS MKT ETF-US | 0.05% | 1,929 | $647K | No change |
| OGE Oge Energy Corp. | 0.05% | 13,531 | $578K | No change |
| TXN Texas Instruments Inc. | 0.05% | 3,317 | $575K | Reduce -48.6% |
| IWM iShares Russell 2000 ETF | 0.04% | 2,177 | $536K | Reduce -6.1% |
| COP Conocophillips | 0.04% | 5,459 | $511K | No change |
| ET Energy Transfer LP | 0.04% | 28,213 | $465K | Add +75.7% |
| IAGG iShares Intl Aggregate Bond | 0.04% | 8,672 | $434K | Reduce -1.1% |
| MSFT Microsoft Corp. | 0.03% | 757 | $366K | Add +21.7% |
| VGT Vanguard Info Tech ETF | 0.03% | 469 | $354K | No change |
| SGOV iShares 0-3 Month Treasury B | 0.03% | 3,453 | $347K | No change |
| JNJ Johnson & Johnson | 0.03% | 1,611 | $333K | No change |
| MCD McDonald's Corp. | 0.02% | 1,003 | $307K | Reduce -4.5% |
| WMB Williams Cos Inc. | 0.02% | 4,964 | $298K | No change |
| UTHR United Therapeutics Corp. | 0.02% | 600 | $292K | No change |
| SFNC Simmons First Natl Corp. Class A | 0.02% | 15,000 | $283K | No change |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.02% | 6,286 | $279K | Reduce -9.0% |
| RTX RTX Corp. | 0.02% | 1,452 | $266K | Add +17.6% |
| F Ford Motor Co. filed as FORD MTR CO | 0.02% | 19,973 | $262K | No change |
| GOOG Alphabet Inc. Class C | 0.02% | 784 | $246K | New |
| RCL Royal Caribbean Cruises Ltd. | 0.02% | 800 | $223K | No change |
| AMZN Amazon.com Inc. | 0.02% | 960 | $222K | New |
| GOOGL Alphabet Inc. Class A | 0.02% | 704 | $220K | New |
| HYMB SS SPDR N Ice HY Muni ETF | 0.02% | 8,718 | $217K | Reduce -5.9% |
| SHEL Shell PLC-ADR | 0.02% | 2,943 | $216K | Reduce -6.0% |
| ROK Rockwell Automation Inc. | 0.02% | 548 | $213K | New |
| MRK Merck & Co. Inc. | 0.02% | 2,023 | $213K | New |
| DGRW Wisdomtree U.S. Quality Divi | 0.02% | 2,321 | $208K | No change |
| TRI Thomson Reuters Corp. | 0.02% | 1,573 | $207K | No change |
| COHR Coherent Corp. | 0.02% | 1,121 | $207K | New |
Portfolio Sells Q3 2025 → Q4 2025
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.3% | 20.71% | −0.36 |
| Apple Inc | Sold out | 0.00% | −0.14 |
| Berkshire Hathaway Class B | Sold out | 0.00% | −0.13 |
| TXN Texas Instruments Inc. | Reduce -48.6% | 0.05% | −0.05 |
| NVDA Nvidia Corp. | Reduce -21.6% | 0.11% | −0.03 |
| BANF Bancfirst Corp. | Sold out | 0.00% | −0.02 |
| Amazon.Com Inc | Sold out | 0.00% | −0.02 |
| SDY SS SPDR S&P Dividend ETF | Reduce -5.3% | 0.17% | −0.02 |
| OKE Oneok Inc. | Reduce -16.3% | 0.07% | −0.02 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -2.9% | 0.33% | −0.01 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -6.0% | 0.10% | −0.01 |
| TSLA Tesla Inc. | Reduce -7.9% | 0.09% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -3.9% | 0.14% | −0.01 |
| VWO Vanguard Ftse Emerging Marke | Reduce -2.8% | 0.11% | −0.01 |
| VXUS Vanguard Total Intl Stock | Reduce -3.7% | 0.16% | −0.01 |
| IWM iShares Russell 2000 ETF | Reduce -6.1% | 0.04% | −0.00 |
| IAGG iShares Intl Aggregate Bond | Reduce -1.1% | 0.04% | −0.00 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -9.0% | 0.02% | −0.00 |
| MCD McDonald's Corp. | Reduce -4.5% | 0.02% | −0.00 |
| HYMB SS SPDR N Ice HY Muni ETF | Reduce -5.9% | 0.02% | −0.00 |
| PWV Invesco Large Cap Value ETF | Reduce -1.2% | 0.06% | −0.00 |
| SHEL Shell PLC-ADR | Reduce -6.0% | 0.02% | −0.00 |
| VEA Vanguard Ftse Developed ETF | Reduce -1.3% | 0.21% | −0.00 |
| MJTK Cannasys Inc. | Sold out | 0.00% | 0.00 |
| HEMP Hemp Inc. | Sold out | 0.00% | 0.00 |
| MJNA Medical Marijuana Inc. | Sold out | 0.00% | 0.00 |
| OWCP Owc Pharmaceutical Research | Sold out | 0.00% | 0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| VTV Vanguard Mrngstr Val ETF-Aui | Add +2.1% | 21.18% | +0.28 |
| MUB iShares National Muni Bond E | Add +7.9% | 3.65% | +0.18 |
| AAPL Apple Inc. | New | 0.14% | +0.14 |
| BRK.B Berkshire Hathaway Inc. Class B | New | 0.13% | +0.13 |
| IEFA iShares Core MSCI Eafe ETF | Add +1.2% | 15.02% | +0.08 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +14.5% | 0.45% | +0.05 |
| HYD Vaneck High Yield Muni ETF | Add +7.3% | 0.60% | +0.03 |
| EMB iShares JP Morgan Usd Emergi | Add +3.1% | 2.26% | +0.02 |
| SCHV Schwab US Large-Cap Value | Add +7.8% | 0.37% | +0.02 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +2.0% | 6.72% | +0.02 |
| GOOG Alphabet Inc. Class C | New | 0.02% | +0.02 |
| AMZN Amazon.com Inc. | New | 0.02% | +0.02 |
| GOOGL Alphabet Inc. Class A | New | 0.02% | +0.02 |
| MRK Merck & Co. Inc. | New | 0.02% | +0.02 |
| ROK Rockwell Automation Inc. | New | 0.02% | +0.02 |
| COHR Coherent Corp. | New | 0.02% | +0.02 |
| ET Energy Transfer LP | Add +75.7% | 0.04% | +0.01 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +2.5% | 1.52% | +0.01 |
| IWN iShares Russell 2000 Value E | Add +17.9% | 0.07% | +0.01 |
| RTX RTX Corp. | Add +17.6% | 0.02% | +0.00 |
| MSFT Microsoft Corp. | Add +21.7% | 0.03% | +0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +2.5% | 0.14% | +0.00 |
| IVV iShares Core S&P 500 ETF | Add +1.1% | 0.24% | +0.00 |
| HYLB Xtrackers Usd High Yield Cor | Add +2.1% | 1.57% | −0.03 |
| IEMG iShares Core MSCI Emerging | Add +0.7% | 7.49% | −0.04 |
| BNDX Vanguard Total Intl Bond ETF | Add +4.1% | 3.88% | −0.06 |
| BIV Vanguard Intermediate-Term B | Add +2.2% | 10.77% | −0.13 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 66 | $1.4B | VTV, VUG, IEFA, BIV, IEMG |
| Q1 2026 | 67 | $1.2B | VTV, VUG, IEFA, BIV, IEMG |
| Q4 2025 | 65 | $1.2B | VTV, VUG, IEFA, BIV, IEMG |
| Q3 2025 | 65 | $1.2B | VUG, VTV, IEFA, BIV, IEMG |
| Q2 2025 | 61 | $1.1B | VUG, VTV, IEFA, BIV, IEMG |
| Q1 2025 | 60 | $987.7M | VTV, VUG, IEFA, BIV, IEMG |
| Q4 2024 | 62 | $948.3M | VUG, VTV, IEFA, BIV, VBR |
| Q3 2024 | 56 | $915.5M | VTV, VUG, IEFA, BIV, IEMG |
| Q2 2024 | 54 | $823.6M | VUG, VTV, IEFA, BIV, IEMG |