13F HOLDINGS REPORT

Retirement Income Solutions, Inc

Quarter ended Q1 2025 · Filed May 6, 2025 · Accession 0000950123-25-004086

Total Value

$477.9M

Positions

146

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (146)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES TR	464287200	223,649	$125.7M	26.29%
2	SPDR SER TR	78464A854	902,832	$59.4M	12.42%
3	ISHARES TR	464287507	754,344	$44.0M	9.21%
4	SPDR S&P 500 ETF TR	SPY	72,384	$40.5M	8.47%
5	SPDR SER TR	78464A847	376,561	$19.3M	4.03%
6	ISHARES TR	464287614	46,167	$16.7M	3.49%
7	SPDR SER TR	78468R796	191,130	$8.7M	1.83%
8	ISHARES TR	46435G425	70,173	$8.6M	1.79%
9	WORLD GOLD TR	GLDW	134,884	$8.3M	1.75%
10	INVESCO QQQ TR	IVZ	14,497	$6.8M	1.42%
11	ISHARES TR	464287598	35,920	$6.8M	1.41%
12	J P MORGAN EXCHANGE TRADED F	46641Q647	126,238	$6.3M	1.32%
13	INVESCO EXCHANGE TRADED FD T	IVZ	35,663	$6.2M	1.29%
14	ISHARES TR	464287622	20,102	$6.2M	1.29%
15	SPDR S&P MIDCAP 400 ETF TR	MDY	10,683	$5.7M	1.19%
16	FIDELITY COVINGTON TRUST	31609A206	164,160	$4.8M	1.01%
17	APPLE INC	AAPL	21,314	$4.7M	0.99%
18	ISHARES TR	464288257	39,757	$4.6M	0.97%
19	VANGUARD INDEX FDS	922908629	14,720	$3.8M	0.80%
20	AMAZON COM INC	AMZN	18,190	$3.5M	0.72%
21	BERKSHIRE HATHAWAY INC DEL	BRK-A	5,960	$3.2M	0.66%
22	SPDR SER TR	78464A409	38,183	$3.1M	0.64%
23	ISHARES TR	464287465	33,808	$2.8M	0.58%
24	SELECT SECTOR SPDR TR	81369Y803	12,473	$2.6M	0.54%
25	SPDR SER TR	78464A508	49,491	$2.5M	0.53%
26	ISHARES TR	464287309	26,135	$2.4M	0.51%
27	VANGUARD INDEX FDS	922908363	4,668	$2.4M	0.50%
28	MICROSOFT CORP	MSFT	5,883	$2.2M	0.46%
29	ISHARES TR	464287499	25,176	$2.1M	0.45%
30	VANGUARD INDEX FDS	922908736	5,521	$2.0M	0.43%
31	ISHARES TR	464287408	10,463	$2.0M	0.42%
32	ELI LILLY & CO	LLY	2,144	$1.8M	0.37%
33	VANGUARD INDEX FDS	922908769	6,283	$1.7M	0.36%
34	INNOVATOR ETFS TRUST	INHD	41,308	$1.6M	0.34%
35	INNOVATOR ETFS TRUST	INHD	39,639	$1.5M	0.31%
36	INNOVATOR ETFS TRUST	INHD	38,677	$1.5M	0.30%
37	SCHWAB STRATEGIC TR	808524300	57,436	$1.4M	0.30%
38	SPDR GOLD TR	GLD	4,920	$1.4M	0.30%
39	ALPHABET INC	GOOG	7,968	$1.2M	0.26%
40	INVESCO EXCHANGE TRADED FD T	IVZ	17,034	$1.1M	0.23%
41	ALPHABET INC	GOOG	6,820	$1.1M	0.22%
42	VANGUARD INDEX FDS	922908744	5,982	$1.0M	0.22%
43	JPMORGAN CHASE & CO.	VYLD	4,194	$1.0M	0.22%
44	SELECT SECTOR SPDR TR	81369Y506	10,921	$1.0M	0.21%
45	VANECK ETF TRUST	92189F676	4,815	$1.0M	0.21%
46	NVIDIA CORPORATION	NVDA	9,052	$981,056	0.21%
47	PROCTER AND GAMBLE CO	742718109	5,636	$960,487	0.20%
48	INNOVATOR ETFS TRUST	INHD	21,400	$887,458	0.19%
49	VANGUARD SCOTTSDALE FDS	92206C730	3,377	$857,285	0.18%
50	AMERICAN CENTY ETF TR	025072703	12,790	$847,593	0.18%
51	BNY MELLON ETF TRUST	09661T107	7,460	$793,147	0.17%
52	MERCK & CO INC	MRK	8,827	$792,312	0.17%
53	ISHARES TR	464288661	6,612	$781,109	0.16%
54	ISHARES TR	46435U549	17,067	$777,049	0.16%
55	ISHARES TR	464287234	17,780	$776,986	0.16%
56	COCA COLA CO	KO	10,567	$756,809	0.16%
57	SPDR SER TR	78468R531	13,597	$727,440	0.15%
58	DBX ETF TR	233051200	16,394	$709,860	0.15%
59	ISHARES TR	464287457	8,498	$703,040	0.15%
60	SPDR INDEX SHS FDS	78463X509	16,507	$649,881	0.14%
61	ISHARES TR	464287481	5,417	$636,443	0.13%
62	JOHNSON & JOHNSON	JNJ	3,815	$632,680	0.13%
63	ORACLE CORP	ORCL-PD	4,386	$613,207	0.13%
64	INNOVATOR ETFS TRUST	INHD	15,080	$610,778	0.13%
65	ECOLAB INC	ECL	2,409	$610,730	0.13%
66	ISHARES INC	464286392	3,985	$610,422	0.13%
67	INTERNATIONAL BUSINESS MACHS	INTR	2,391	$594,546	0.12%
68	ISHARES TR	464288570	5,757	$589,574	0.12%
69	SCHWAB STRATEGIC TR	808524201	26,700	$589,536	0.12%
70	SPDR SER TR	78464A755	10,349	$579,441	0.12%
71	ISHARES TR	464287473	4,548	$572,912	0.12%
72	ISHARES TR	464287671	4,000	$508,320	0.11%
73	SELECT SECTOR SPDR TR	81369Y605	10,184	$507,265	0.11%
74	VANGUARD INDEX FDS	922908538	2,030	$496,619	0.10%
75	AMGEN INC	AMGN	1,571	$489,445	0.10%
76	INNOVATOR ETFS TRUST	INHD	13,545	$483,015	0.10%
77	VANGUARD WORLD FD	921910816	1,484	$458,378	0.10%
78	MCDONALDS CORP	MCD	1,454	$454,186	0.10%
79	ISHARES TR	464287440	4,662	$444,615	0.09%
80	VANGUARD WHITEHALL FDS	921946406	3,444	$444,138	0.09%
81	SPDR INDEX SHS FDS	78470E106	10,228	$439,418	0.09%
82	INNOVATOR ETFS TRUST	INHD	10,869	$436,825	0.09%
83	DISNEY WALT CO	254687106	4,419	$436,155	0.09%
84	DTE ENERGY CO	DTK	3,028	$418,663	0.09%
85	ALLIANT ENERGY CORP	LNT	6,502	$418,404	0.09%
86	DIMENSIONAL ETF TRUST	25434V708	12,347	$407,328	0.09%
87	SALESFORCE INC	CRM	1,496	$401,467	0.08%
88	SPDR INDEX SHS FDS	78463X533	10,979	$391,950	0.08%
89	EATON CORP PLC	ETN	1,430	$388,717	0.08%
90	EXXON MOBIL CORP	XOM	3,130	$372,251	0.08%
91	VANGUARD WORLD FD	921910840	2,865	$369,127	0.08%
92	COSTCO WHSL CORP NEW	22160K105	380	$359,396	0.08%
93	DIMENSIONAL ETF TRUST	25434V880	13,691	$358,704	0.08%
94	INNOVATOR ETFS TRUST	INHD	9,432	$356,341	0.07%
95	FIDELITY WISE ORIGIN BITCOIN	FBTC	4,919	$354,020	0.07%
96	ISHARES INC	46434G764	6,390	$352,025	0.07%
97	ISHARES TR	464287655	1,764	$351,900	0.07%
98	VISA INC	V	993	$348,007	0.07%
99	ISHARES TR	46435G193	14,748	$340,089	0.07%
100	INNOVATOR ETFS TRUST	INHD	8,825	$338,968	0.07%
101	SOUTHERN CO	SOMN	3,673	$337,732	0.07%
102	HOME DEPOT INC	HD	910	$333,506	0.07%
103	VANGUARD TAX-MANAGED FDS	921943858	6,551	$332,987	0.07%
104	INNOVATOR ETFS TRUST	INHD	6,757	$315,093	0.07%
105	LAM RESEARCH CORP	LRCX	4,300	$312,610	0.07%
106	VANGUARD INDEX FDS	922908512	1,931	$310,003	0.06%
107	PALANTIR TECHNOLOGIES INC	PLTR	3,633	$306,625	0.06%
108	STRYKER CORPORATION	SYK	812	$302,267	0.06%
109	SPDR SER TR	78464A599	1,859	$297,180	0.06%
110	ISHARES TR	46434V464	1,199	$294,050	0.06%
111	INVESCO EXCH TRADED FD TR II	IVZ	6,172	$291,689	0.06%
112	IRON MTN INC DEL	46284V101	3,350	$288,234	0.06%
113	CINCINNATI FINL CORP	172062101	1,950	$288,054	0.06%
114	AMPLIFY ETF TR	032108615	4,286	$283,963	0.06%
115	INNOVATOR ETFS TRUST	INHD	7,838	$280,600	0.06%
116	VANGUARD SPECIALIZED FUNDS	921908844	1,446	$280,510	0.06%
117	VANGUARD INDEX FDS	922908652	1,606	$276,650	0.06%
118	VANGUARD INTL EQUITY INDEX F	922042858	6,111	$276,584	0.06%
119	ISHARES TR	464287630	1,772	$267,537	0.06%
120	CF BANKSHARES INC	CFBK	11,843	$261,020	0.05%
121	CHIPOTLE MEXICAN GRILL INC	CMG	5,100	$256,071	0.05%
122	INNOVATOR ETFS TRUST	INHD	6,459	$246,669	0.05%
123	PEPSICO INC	PEP	1,632	$244,678	0.05%
124	BROADCOM INC	AVGO	1,450	$242,774	0.05%
125	ISHARES INC	46434G863	6,934	$242,347	0.05%
126	ABBVIE INC	ABBV	1,148	$240,529	0.05%
127	TESLA INC	TSLA	914	$236,872	0.05%
128	3M CO	MMM	1,604	$235,563	0.05%
129	INNOVATOR ETFS TRUST	INHD	5,368	$231,769	0.05%
130	PHILIP MORRIS INTL INC	718172109	1,441	$228,730	0.05%
131	FIRST TR EXCHANGE-TRADED FD	33739Q200	4,634	$227,807	0.05%
132	COLGATE PALMOLIVE CO	CL	2,430	$227,691	0.05%
133	VANGUARD INDEX FDS	922908637	839	$215,648	0.05%
134	SCHWAB STRATEGIC TR	808524607	9,196	$215,462	0.05%
135	HONEYWELL INTL INC	438516106	1,008	$213,444	0.04%
136	VANGUARD INDEX FDS	922908751	961	$213,102	0.04%
137	NETFLIX INC	NFLX	221	$206,089	0.04%
138	SPDR SER TR	78464A532	2,777	$205,109	0.04%
139	SUNOCO LP/SUNOCO FIN CORP	SUN	3,500	$203,210	0.04%
140	THERMO FISHER SCIENTIFIC INC	TMO	408	$203,021	0.04%
141	INVESCO EXCHANGE TRADED FD T	IVZ	10,526	$165,679	0.03%
142	BROOKDALE SR LIVING INC	112463104	22,742	$142,365	0.03%
143	AGNC INVT CORP	00123Q104	13,380	$128,180	0.03%
144	STANDARD LITHIUM LTD	SLI	72,900	$92,702	0.02%
145	NUVEEN CR STRATEGIES INCOME	NU	14,107	$75,896	0.02%
146	B2GOLD CORP	BTG	17,482	$49,685	0.01%