13F HOLDINGS REPORT

Retirement Income Solutions, Inc

Quarter ended Q4 2024 · Filed January 31, 2025 · Accession 0000950123-25-000760

Total Value

$495.6M

Positions

149

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (149)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES TR	464287200	275,946	$162.4M	32.78%
2	ISHARES TR	464287507	874,842	$54.5M	11.00%
3	SPDR S&P 500 ETF TR	SPY	72,704	$42.6M	8.60%
4	SPDR SER TR	78464A854	449,041	$31.0M	6.25%
5	ISHARES TR	464287614	47,432	$19.0M	3.84%
6	SPDR SER TR	78464A847	216,775	$11.9M	2.39%
7	SPDR SER TR	78468R796	197,562	$9.5M	1.92%
8	ISHARES TR	46435G425	70,313	$9.1M	1.83%
9	INVESCO QQQ TR	IVZ	14,628	$7.5M	1.51%
10	WORLD GOLD TR	GLDW	133,659	$6.9M	1.40%
11	ISHARES TR	464287598	35,833	$6.6M	1.34%
12	ISHARES TR	464287622	20,301	$6.5M	1.32%
13	INVESCO EXCHANGE TRADED FD T	IVZ	35,172	$6.2M	1.24%
14	SPDR S&P MIDCAP 400 ETF TR	MDY	10,751	$6.1M	1.24%
15	APPLE INC	AAPL	21,444	$5.4M	1.08%
16	FIDELITY COVINGTON TRUST	31609A206	151,762	$4.9M	0.99%
17	ISHARES TR	464288257	40,754	$4.8M	0.97%
18	VANGUARD INDEX FDS	922908629	17,666	$4.7M	0.94%
19	AMAZON COM INC	AMZN	19,106	$4.2M	0.85%
20	SPDR SER TR	78464A409	46,636	$4.1M	0.83%
21	SPDR SER TR	78464A508	66,069	$3.4M	0.68%
22	SELECT SECTOR SPDR TR	81369Y803	12,700	$3.0M	0.60%
23	BERKSHIRE HATHAWAY INC DEL	BRK-A	5,903	$2.7M	0.54%
24	ISHARES TR	464287309	26,155	$2.7M	0.54%
25	MICROSOFT CORP	MSFT	6,020	$2.5M	0.51%
26	VANGUARD INDEX FDS	922908363	4,668	$2.5M	0.51%
27	VANGUARD INDEX FDS	922908736	5,521	$2.3M	0.46%
28	ISHARES TR	464287499	25,176	$2.2M	0.45%
29	ISHARES TR	464287465	29,077	$2.2M	0.44%
30	ISHARES TR	464287408	10,463	$2.0M	0.40%
31	VANGUARD INDEX FDS	922908769	6,327	$1.8M	0.37%
32	ELI LILLY & CO	LLY	2,144	$1.7M	0.33%
33	INNOVATOR ETFS TRUST	INHD	41,308	$1.6M	0.33%
34	SCHWAB STRATEGIC TR	808524300	56,200	$1.6M	0.32%
35	INNOVATOR ETFS TRUST	INHD	40,218	$1.5M	0.31%
36	ALPHABET INC	GOOG	7,968	$1.5M	0.30%
37	INNOVATOR ETFS TRUST	INHD	36,060	$1.4M	0.28%
38	ALPHABET INC	GOOG	6,820	$1.3M	0.26%
39	NVIDIA CORPORATION	NVDA	8,911	$1.2M	0.24%
40	SPDR GOLD TR	GLD	4,920	$1.2M	0.24%
41	VANECK ETF TRUST	92189F676	4,758	$1.2M	0.23%
42	INVESCO EXCHANGE TRADED FD T	IVZ	17,034	$1.1M	0.23%
43	VANGUARD INDEX FDS	922908744	5,982	$1.0M	0.20%
44	JPMORGAN CHASE & CO.	VYLD	4,194	$1.0M	0.20%
45	ISHARES TR	464288661	8,379	$968,193	0.20%
46	PROCTER AND GAMBLE CO	742718109	5,636	$944,875	0.19%
47	SELECT SECTOR SPDR TR	81369Y506	10,921	$935,493	0.19%
48	AMERICAN CENTY ETF TR	025072703	15,017	$921,593	0.19%
49	VANGUARD SCOTTSDALE FDS	92206C730	3,377	$900,713	0.18%
50	MERCK & CO INC	MRK	8,827	$878,110	0.18%
51	BNY MELLON ETF TRUST	09661T107	7,660	$858,380	0.17%
52	INNOVATOR ETFS TRUST	INHD	19,039	$804,398	0.16%
53	SPDR SER TR	78468R531	13,597	$767,959	0.15%
54	ISHARES TR	46435U549	16,360	$759,761	0.15%
55	ISHARES TR	464287234	17,780	$743,560	0.15%
56	ORACLE CORP	ORCL-PD	4,386	$730,883	0.15%
57	ISHARES TR	464287481	5,417	$686,605	0.14%
58	DBX ETF TR	233051200	16,394	$678,712	0.14%
59	COCA COLA CO	KO	10,567	$657,901	0.13%
60	ISHARES TR	464287473	4,964	$642,044	0.13%
61	ISHARES TR	464288570	5,757	$634,709	0.13%
62	INNOVATOR ETFS TRUST	INHD	15,080	$626,122	0.13%
63	ISHARES INC	464286392	3,985	$619,668	0.13%
64	SCHWAB STRATEGIC TR	808524201	26,700	$618,906	0.12%
65	SPDR INDEX SHS FDS	78463X509	15,863	$608,663	0.12%
66	SPDR SER TR	78464A755	10,349	$587,306	0.12%
67	ISHARES TR	464287440	6,150	$568,568	0.11%
68	ECOLAB INC	ECL	2,409	$564,477	0.11%
69	ISHARES TR	464287671	4,014	$559,351	0.11%
70	JOHNSON & JOHNSON	JNJ	3,815	$551,725	0.11%
71	ISHARES TR	464287457	6,438	$527,787	0.11%
72	VANGUARD INDEX FDS	922908538	2,030	$515,113	0.10%
73	VANGUARD WORLD FD	921910816	1,499	$514,772	0.10%
74	SALESFORCE INC	CRM	1,496	$500,158	0.10%
75	INNOVATOR ETFS TRUST	INHD	13,545	$497,153	0.10%
76	DISNEY WALT CO	254687106	4,419	$492,056	0.10%
77	VANGUARD TAX-MANAGED FDS	921943858	10,105	$483,221	0.10%
78	EATON CORP PLC	ETN	1,430	$474,574	0.10%
79	SELECT SECTOR SPDR TR	81369Y605	9,686	$468,124	0.09%
80	INNOVATOR ETFS TRUST	INHD	10,869	$447,477	0.09%
81	VANGUARD WHITEHALL FDS	921946406	3,444	$439,420	0.09%
82	SPDR INDEX SHS FDS	78463X533	12,282	$433,248	0.09%
83	MCDONALDS CORP	MCD	1,487	$431,066	0.09%
84	DIMENSIONAL ETF TRUST	25434V708	12,347	$427,083	0.09%
85	AMGEN INC	AMGN	1,571	$409,465	0.08%
86	PALANTIR TECHNOLOGIES INC	PLTR	5,302	$400,990	0.08%
87	INTERNATIONAL BUSINESS MACHS	INTR	1,807	$397,233	0.08%
88	PEPSICO INC	PEP	2,611	$396,986	0.08%
89	ISHARES TR	464287655	1,764	$389,773	0.08%
90	ALLIANT ENERGY CORP	LNT	6,502	$384,528	0.08%
91	INNOVATOR ETFS TRUST	INHD	9,432	$363,132	0.07%
92	ISHARES TR	46435G193	15,933	$361,998	0.07%
93	DTE ENERGY CO	DTK	2,983	$360,181	0.07%
94	SPDR INDEX SHS FDS	78470E106	9,043	$360,021	0.07%
95	VANGUARD WORLD FD	921910840	2,865	$357,867	0.07%
96	HOME DEPOT INC	HD	910	$353,981	0.07%
97	IRON MTN INC DEL	46284V101	3,350	$352,119	0.07%
98	SPDR SER TR	78464A599	1,859	$351,277	0.07%
99	COSTCO WHSL CORP NEW	22160K105	380	$348,183	0.07%
100	INNOVATOR ETFS TRUST	INHD	8,825	$344,928	0.07%
101	DIMENSIONAL ETF TRUST	25434V880	13,691	$340,358	0.07%
102	EXXON MOBIL CORP	XOM	3,130	$336,694	0.07%
103	BROADCOM INC	AVGO	1,450	$336,168	0.07%
104	ISHARES INC	46434G764	5,956	$330,260	0.07%
105	INNOVATOR ETFS TRUST	INHD	6,757	$323,998	0.07%
106	VISA INC	V	993	$313,828	0.06%
107	VANGUARD INDEX FDS	922908512	1,931	$312,378	0.06%
108	LAM RESEARCH CORP	LRCX	4,300	$310,589	0.06%
109	ISHARES TR	464287689	924	$308,847	0.06%
110	CHIPOTLE MEXICAN GRILL INC	CMG	5,100	$307,530	0.06%
111	VANGUARD INDEX FDS	922908652	1,606	$305,108	0.06%
112	CF BANKSHARES INC	CFBK	11,843	$302,470	0.06%
113	SOUTHERN CO	SOMN	3,673	$302,361	0.06%
114	INVESCO EXCH TRADED FD TR II	IVZ	6,172	$298,108	0.06%
115	INNOVATOR ETFS TRUST	INHD	7,938	$297,829	0.06%
116	VANGUARD CHARLOTTE FDS	92203J407	6,040	$296,262	0.06%
117	ISHARES TR	464287630	1,790	$293,864	0.06%
118	HONEYWELL INTL INC	438516106	1,279	$288,913	0.06%
119	VANGUARD SPECIALIZED FUNDS	921908844	1,446	$283,170	0.06%
120	INNOVATOR ETFS TRUST	INHD	7,838	$281,442	0.06%
121	AMPLIFY ETF TR	032108615	4,286	$280,484	0.06%
122	CINCINNATI FINL CORP	172062101	1,950	$280,215	0.06%
123	TRANE TECHNOLOGIES PLC	TT	748	$276,274	0.06%
124	VANGUARD INTL EQUITY INDEX F	922042858	5,925	$260,937	0.05%
125	INNOVATOR ETFS TRUST	INHD	6,459	$253,645	0.05%
126	SPDR SER TR	78464A532	2,777	$240,710	0.05%
127	INNOVATOR ETFS TRUST	INHD	5,368	$239,185	0.05%
128	SCHWAB STRATEGIC TR	808524607	9,196	$237,809	0.05%
129	ISHARES TR	46434V464	1,199	$232,114	0.05%
130	BLACKROCK ETF TRUST II	BLK	4,472	$231,515	0.05%
131	VANGUARD INDEX FDS	922908751	961	$230,909	0.05%
132	VANGUARD INDEX FDS	922908637	839	$226,278	0.05%
133	COLGATE PALMOLIVE CO	CL	2,430	$220,911	0.04%
134	OWENS CORNING NEW	OC	1,283	$218,521	0.04%
135	ISHARES INC	46434G863	6,490	$216,707	0.04%
136	THERMO FISHER SCIENTIFIC INC	TMO	408	$212,254	0.04%
137	INVESCO EXCHANGE TRADED FD T	IVZ	10,526	$210,625	0.04%
138	3M CO	MMM	1,604	$207,060	0.04%
139	WISDOMTREE TR	WT	3,291	$205,720	0.04%
140	SELECT SECTOR SPDR TR	81369Y209	1,483	$204,016	0.04%
141	ABBVIE INC	ABBV	1,148	$204,000	0.04%
142	SPDR SER TR	78464A821	2,322	$201,759	0.04%
143	AGNC INVT CORP	00123Q104	13,380	$123,230	0.02%
144	BROOKDALE SR LIVING INC	112463104	22,742	$114,392	0.02%
145	STANDARD LITHIUM LTD	SLI	72,900	$105,446	0.02%
146	NUVEEN CR STRATEGIES INCOME	NU	14,107	$80,269	0.02%
147	BIGBEAR AI HLDGS INC	BBAI-WT	10,471	$46,596	0.01%
148	B2GOLD CORP	BTG	17,482	$42,793	0.01%
149	ZOMEDICA CORP	ZOMDF	20,353	$2,442	0.00%