13F HOLDINGS REPORT

Retirement Income Solutions, Inc

Quarter ended Q2 2025 · Filed July 15, 2025 · Accession 0000950123-25-006374

Total Value

$545.0M

Positions

158

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (158)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SPDR SERIES TRUST	78464A854	1,622,431	$117.9M	21.64%
2	J P MORGAN EXCHANGE TRADED F	46641Q837	927,651	$47.0M	8.63%
3	SPDR S&P 500 ETF TR	SPY	71,881	$44.4M	8.15%
4	PIMCO ETF TR	72201R833	413,332	$41.6M	7.62%
5	ISHARES TR	464287200	64,346	$40.0M	7.33%
6	SPDR SERIES TRUST	78464A847	603,915	$32.8M	6.03%
7	ISHARES TR	464287614	44,279	$18.8M	3.45%
8	ISHARES TR	464287507	258,226	$16.0M	2.94%
9	SPDR SERIES TRUST	78468R796	178,080	$9.1M	1.66%
10	WORLD GOLD TR	GLDW	135,221	$8.9M	1.63%
11	INVESCO QQQ TR	IVZ	14,382	$7.9M	1.46%
12	INVESCO EXCHANGE TRADED FD T	IVZ	37,981	$6.9M	1.27%
13	ISHARES TR	464287622	19,924	$6.8M	1.24%
14	ISHARES TR	46435G425	49,777	$6.7M	1.24%
15	ISHARES TR	464287598	33,789	$6.6M	1.20%
16	J P MORGAN EXCHANGE TRADED F	46641Q647	126,703	$6.3M	1.15%
17	SPDR S&P MIDCAP 400 ETF TR	MDY	10,388	$5.9M	1.08%
18	ISHARES TR	464288257	40,022	$5.1M	0.94%
19	FIDELITY COVINGTON TRUST	31609A206	135,327	$4.3M	0.79%
20	APPLE INC	AAPL	21,045	$4.3M	0.79%
21	VANGUARD INDEX FDS	922908629	14,389	$4.0M	0.74%
22	AMAZON COM INC	AMZN	17,986	$3.9M	0.72%
23	SPDR SERIES TRUST	78464A409	36,812	$3.5M	0.64%
24	BERKSHIRE HATHAWAY INC DEL	BRK-A	6,543	$3.2M	0.58%
25	SELECT SECTOR SPDR TR	81369Y803	12,214	$3.1M	0.57%
26	MICROSOFT CORP	MSFT	6,018	$3.0M	0.55%
27	ISHARES TR	464287309	26,469	$2.9M	0.53%
28	ISHARES TR	464287465	29,432	$2.6M	0.48%
29	VANGUARD INDEX FDS	922908363	4,293	$2.4M	0.45%
30	VANGUARD INDEX FDS	922908736	5,521	$2.4M	0.44%
31	SPDR SERIES TRUST	78464A508	44,295	$2.3M	0.43%
32	ISHARES TR	464287499	24,481	$2.3M	0.41%
33	VANGUARD INDEX FDS	922908769	7,032	$2.1M	0.39%
34	ISHARES TR	464287408	10,441	$2.0M	0.37%
35	ELI LILLY & CO	LLY	2,220	$1.7M	0.32%
36	INNOVATOR ETFS TRUST	INHD	39,920	$1.6M	0.30%
37	SCHWAB STRATEGIC TR	808524300	56,200	$1.6M	0.30%
38	INNOVATOR ETFS TRUST	INHD	39,639	$1.6M	0.29%
39	INNOVATOR ETFS TRUST	INHD	38,677	$1.5M	0.28%
40	NVIDIA CORPORATION	NVDA	9,224	$1.5M	0.27%
41	SPDR GOLD TR	GLD	4,758	$1.5M	0.27%
42	ALPHABET INC	GOOG	8,185	$1.4M	0.26%
43	AMERICAN CENTY ETF TR	025072703	19,140	$1.4M	0.26%
44	VANECK ETF TRUST	92189F676	4,686	$1.3M	0.24%
45	ALPHABET INC	GOOG	6,820	$1.2M	0.22%
46	INVESCO EXCHANGE TRADED FD T	IVZ	17,034	$1.2M	0.22%
47	JPMORGAN CHASE & CO.	VYLD	4,099	$1.2M	0.22%
48	VANGUARD INDEX FDS	922908744	5,758	$1.0M	0.19%
49	SPDR INDEX SHS FDS	78463X848	29,457	$962,066	0.18%
50	ORACLE CORP	ORCL-PD	4,386	$958,911	0.18%
51	INNOVATOR ETFS TRUST	INHD	21,486	$946,458	0.17%
52	PROCTER AND GAMBLE CO	742718109	5,868	$934,890	0.17%
53	VANGUARD INTL EQUITY INDEX F	922042775	13,433	$902,966	0.17%
54	BNY MELLON ETF TRUST	09661T107	7,460	$883,488	0.16%
55	SELECT SECTOR SPDR TR	81369Y506	10,382	$880,497	0.16%
56	SPDR SERIES TRUST	78468R531	14,609	$855,357	0.16%
57	ISHARES TR	464287234	17,115	$825,628	0.15%
58	VANGUARD SCOTTSDALE FDS	92206C730	2,870	$806,068	0.15%
59	COCA COLA CO	KO	10,635	$752,426	0.14%
60	ISHARES TR	464287481	5,417	$751,230	0.14%
61	ISHARES TR	464288661	6,196	$737,882	0.14%
62	INTERNATIONAL BUSINESS MACHS	INTR	2,490	$734,002	0.13%
63	ISHARES TR	464287457	8,534	$707,127	0.13%
64	MERCK & CO INC	MRK	8,827	$698,745	0.13%
65	SPDR SERIES TRUST	78464A755	10,349	$695,660	0.13%
66	SCHWAB STRATEGIC TR	808524201	28,455	$695,440	0.13%
67	ISHARES TR	46435U549	14,429	$685,951	0.13%
68	DBX ETF TR	233051200	15,448	$675,850	0.12%
69	ISHARES INC	464286392	3,985	$674,979	0.12%
70	INNOVATOR ETFS TRUST	INHD	15,080	$659,901	0.12%
71	ECOLAB INC	ECL	2,409	$649,081	0.12%
72	VANGUARD INSTL INDEX FD	922040845	8,344	$630,389	0.12%
73	SPDR SERIES TRUST	78468R101	21,003	$615,178	0.11%
74	ISHARES TR	464287671	4,000	$601,600	0.11%
75	ISHARES TR	464287473	4,548	$600,973	0.11%
76	SPDR INDEX SHS FDS	78463X509	13,759	$588,060	0.11%
77	JOHNSON & JOHNSON	JNJ	3,830	$585,033	0.11%
78	VANGUARD INDEX FDS	922908538	2,030	$577,312	0.11%
79	DISNEY WALT CO	254687106	4,419	$548,000	0.10%
80	SPDR INDEX SHS FDS	78463X533	14,169	$540,122	0.10%
81	VANGUARD WORLD FD	921910816	1,454	$532,411	0.10%
82	INNOVATOR ETFS TRUST	INHD	12,013	$526,770	0.10%
83	EATON CORP PLC	ETN	1,430	$510,496	0.09%
84	ISHARES TR	464288570	4,392	$510,175	0.09%
85	INNOVATOR ETFS TRUST	INHD	13,545	$505,093	0.09%
86	PALANTIR TECHNOLOGIES INC	PLTR	3,633	$495,251	0.09%
87	SPDR INDEX SHS FDS	78470E106	10,263	$486,075	0.09%
88	SELECT SECTOR SPDR TR	81369Y605	9,265	$485,208	0.09%
89	VANGUARD WHITEHALL FDS	921946406	3,444	$459,120	0.08%
90	AMGEN INC	AMGN	1,571	$438,639	0.08%
91	MICROSTRATEGY INC	STRK	1,072	$433,335	0.08%
92	MCDONALDS CORP	MCD	1,439	$420,433	0.08%
93	LAM RESEARCH CORP	LRCX	4,300	$418,562	0.08%
94	FIDELITY WISE ORIGIN BITCOIN	FBTC	4,389	$412,522	0.08%
95	ISHARES INC	46434G764	6,390	$403,465	0.07%
96	DIMENSIONAL ETF TRUST	25434V880	13,691	$402,105	0.07%
97	BROADCOM INC	AVGO	1,450	$399,693	0.07%
98	ALLIANT ENERGY CORP	LNT	6,502	$393,176	0.07%
99	SALESFORCE INC	CRM	1,423	$388,038	0.07%
100	INNOVATOR ETFS TRUST	INHD	9,432	$381,619	0.07%
101	COSTCO WHSL CORP NEW	22160K105	380	$376,177	0.07%
102	VANGUARD WORLD FD	921910840	2,865	$375,888	0.07%
103	SPDR SERIES TRUST	78464A599	1,979	$375,654	0.07%
104	SPDR SERIES TRUST	78464A649	14,523	$371,789	0.07%
105	AMPLIFY ETF TR	032108615	4,286	$364,490	0.07%
106	INNOVATOR ETFS TRUST	INHD	8,825	$360,854	0.07%
107	ISHARES TR	464287655	1,639	$353,680	0.06%
108	VISA INC	V	993	$352,565	0.06%
109	ISHARES TR	464287440	3,679	$352,338	0.06%
110	STRYKER CORPORATION	SYK	883	$349,341	0.06%
111	IRON MTN INC DEL	46284V101	3,350	$343,610	0.06%
112	INNOVATOR ETFS TRUST	INHD	6,757	$339,368	0.06%
113	SOUTHERN CO	SOMN	3,673	$337,292	0.06%
114	DIMENSIONAL ETF TRUST	25434V708	9,410	$337,254	0.06%
115	HOME DEPOT INC	HD	910	$333,642	0.06%
116	EXXON MOBIL CORP	XOM	2,941	$317,040	0.06%
117	DTE ENERGY CO	DTK	2,365	$313,224	0.06%
118	VANGUARD INDEX FDS	922908652	1,606	$309,492	0.06%
119	INVESCO EXCH TRADED FD TR II	IVZ	6,172	$303,909	0.06%
120	VANGUARD TAX-MANAGED FDS	921943858	5,329	$303,806	0.06%
121	INNOVATOR ETFS TRUST	INHD	7,838	$296,184	0.05%
122	VANGUARD SPECIALIZED FUNDS	921908844	1,446	$295,953	0.05%
123	NETFLIX INC	NFLX	221	$295,948	0.05%
124	CINCINNATI FINL CORP	172062101	1,950	$290,394	0.05%
125	CHIPOTLE MEXICAN GRILL INC	CMG	5,100	$286,365	0.05%
126	CF BANKSHARES INC	CFBK	11,843	$283,877	0.05%
127	ISHARES INC	46434G863	6,948	$272,136	0.05%
128	ISHARES TR	464287630	1,709	$269,612	0.05%
129	INNOVATOR ETFS TRUST	INHD	6,459	$266,461	0.05%
130	PHILIP MORRIS INTL INC	718172109	1,441	$262,449	0.05%
131	INNOVATOR ETFS TRUST	INHD	5,368	$252,994	0.05%
132	ISHARES TR	46435G193	10,842	$251,860	0.05%
133	3M CO	MMM	1,654	$251,805	0.05%
134	VANGUARD INTL EQUITY INDEX F	922042858	4,861	$240,425	0.04%
135	VANGUARD INDEX FDS	922908637	839	$239,367	0.04%
136	AMERICAN EXPRESS CO	AXP	748	$238,597	0.04%
137	SCHWAB STRATEGIC TR	808524607	9,380	$237,314	0.04%
138	FIRST TR EXCHANGE-TRADED FD	33739Q200	4,735	$233,246	0.04%
139	RTX CORPORATION	RTX	1,539	$224,725	0.04%
140	PEPSICO INC	PEP	1,700	$224,439	0.04%
141	SPDR SERIES TRUST	78464A532	2,777	$223,549	0.04%
142	PALO ALTO NETWORKS INC	PANW	1,092	$223,467	0.04%
143	COLGATE PALMOLIVE CO	CL	2,430	$220,887	0.04%
144	ABBVIE INC	ABBV	1,189	$220,702	0.04%
145	ISHARES TR	46434V464	1,038	$219,869	0.04%
146	BRIDGEBIO PHARMA INC	BBIO	5,000	$215,900	0.04%
147	TESLA INC	TSLA	665	$211,244	0.04%
148	AXON ENTERPRISE INC	AXON	255	$211,125	0.04%
149	PNC FINL SVCS GROUP INC	693475105	1,103	$205,621	0.04%
150	FIDELITY COVINGTON TRUST	316092113	5,926	$204,388	0.04%
151	ISHARES TR	464288802	1,607	$203,687	0.04%
152	BOEING CO	BA-PA	972	$203,663	0.04%
153	DEERE & CO	DE	400	$203,396	0.04%
154	VANGUARD INDEX FDS	922908751	855	$202,618	0.04%
155	WALMART INC	WMT	2,061	$201,525	0.04%
156	GLOBAL X FDS	37954Y673	4,605	$200,686	0.04%
157	STANDARD LITHIUM LTD	SLI	53,300	$104,468	0.02%
158	B2GOLD CORP	BTG	17,482	$63,044	0.01%