13F HOLDINGS REPORT

Retirement Income Solutions, Inc

Quarter ended Q3 2025 · Filed October 14, 2025 · Accession 0001730386-25-000004

Total Value

$584.8M

Positions

165

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (165)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SPDR SERIES TRUST	78464A854	1,658,222	$129.9M	22.21%
2	J P MORGAN EXCHANGE TRADED F	46641Q837	940,277	$47.7M	8.16%
3	SPDR S&P 500 ETF TR	SPY	71,463	$47.6M	8.14%
4	PIMCO ETF TR	72201R833	415,933	$41.9M	7.16%
5	ISHARES TR	464287200	61,729	$41.3M	7.06%
6	SPDR SERIES TRUST	78464A847	618,083	$35.3M	6.04%
7	ISHARES TR	464287614	44,022	$20.6M	3.53%
8	ISHARES TR	464287507	253,287	$16.5M	2.83%
9	WORLD GOLD TR	GLDW	133,593	$10.2M	1.75%
10	SPDR SERIES TRUST	78468R796	172,985	$9.5M	1.62%
11	INVESCO QQQ TR	IVZ	14,471	$8.7M	1.49%
12	ISHARES TR	46435G425	49,051	$7.1M	1.22%
13	INVESCO EXCHANGE TRADED FD T	IVZ	37,202	$7.1M	1.21%
14	ISHARES TR	464287622	19,298	$7.1M	1.21%
15	ISHARES TR	464287598	33,576	$6.8M	1.17%
16	J P MORGAN EXCHANGE TRADED F	46641Q647	131,496	$6.6M	1.13%
17	SPDR S&P MIDCAP 400 ETF TR	MDY	10,419	$6.2M	1.06%
18	ISHARES TR	464288257	39,925	$5.5M	0.94%
19	APPLE INC	AAPL	21,315	$5.4M	0.93%
20	FIDELITY COVINGTON TRUST	31609A206	138,974	$5.1M	0.87%
21	VANGUARD INDEX FDS	922908629	14,389	$4.2M	0.72%
22	AMAZON COM INC	AMZN	18,492	$4.1M	0.69%
23	SPDR SERIES TRUST	78464A409	34,835	$3.6M	0.62%
24	SELECT SECTOR SPDR TR	81369Y803	12,214	$3.4M	0.59%
25	BERKSHIRE HATHAWAY INC DEL	BRK-A	6,757	$3.4M	0.58%
26	MICROSOFT CORP	MSFT	6,164	$3.2M	0.55%
27	ISHARES TR	464287309	26,325	$3.2M	0.54%
28	ISHARES TR	464287465	31,808	$3.0M	0.51%
29	VANGUARD INDEX FDS	922908736	5,521	$2.6M	0.45%
30	VANGUARD INDEX FDS	922908363	4,293	$2.6M	0.45%
31	SPDR SERIES TRUST	78464A508	43,333	$2.4M	0.41%
32	ISHARES TR	464287499	24,771	$2.4M	0.41%
33	VANGUARD INDEX FDS	922908769	7,032	$2.3M	0.39%
34	ISHARES TR	464287408	10,799	$2.2M	0.38%
35	ALPHABET INC	GOOG	8,401	$2.0M	0.35%
36	AMERICAN CENTY ETF TR	025072703	25,113	$2.0M	0.34%
37	SCHWAB STRATEGIC TR	808524300	56,200	$1.8M	0.31%
38	NVIDIA CORPORATION	NVDA	9,508	$1.8M	0.30%
39	ELI LILLY & CO	LLY	2,232	$1.7M	0.29%
40	ALPHABET INC	GOOG	6,820	$1.7M	0.28%
41	INNOVATOR ETFS TRUST	INHD	39,639	$1.6M	0.28%
42	INNOVATOR ETFS TRUST	INHD	38,677	$1.6M	0.28%
43	INNOVATOR ETFS TRUST	INHD	37,599	$1.6M	0.28%
44	SPDR GOLD TR	GLD	4,402	$1.6M	0.27%
45	VANECK ETF TRUST	92189F676	4,686	$1.5M	0.26%
46	JPMORGAN CHASE & CO.	VYLD	4,131	$1.3M	0.22%
47	ORACLE CORP	ORCL-PD	4,386	$1.2M	0.21%
48	INVESCO EXCHANGE TRADED FD T	IVZ	17,034	$1.2M	0.21%
49	VANGUARD INDEX FDS	922908744	5,758	$1.1M	0.18%
50	SPDR INDEX SHS FDS	78463X848	28,829	$1.0M	0.17%
51	VANGUARD INTL EQUITY INDEX F	922042775	13,930	$994,184	0.17%
52	INNOVATOR ETFS TRUST	INHD	21,486	$983,951	0.17%
53	ISHARES TR	464287234	18,259	$975,031	0.17%
54	SPDR SERIES TRUST	78464A755	10,349	$964,423	0.16%
55	BNY MELLON ETF TRUST	09661T107	7,460	$957,715	0.16%
56	SELECT SECTOR SPDR TR	81369Y506	10,382	$927,528	0.16%
57	SPDR SERIES TRUST	78468R531	13,842	$880,213	0.15%
58	VANGUARD SCOTTSDALE FDS	92206C730	2,870	$867,745	0.15%
59	ISHARES TR	464287481	5,417	$771,435	0.13%
60	PROCTER AND GAMBLE CO	742718109	4,918	$755,651	0.13%
61	ISHARES TR	464287457	9,039	$749,875	0.13%
62	SCHWAB STRATEGIC TR	808524201	28,455	$749,505	0.13%
63	ISHARES TR	464288661	6,196	$740,484	0.13%
64	ISHARES INC	464286392	3,985	$723,517	0.12%
65	DBX ETF TR	233051200	15,448	$717,096	0.12%
66	COCA COLA CO	KO	10,635	$705,313	0.12%
67	INTERNATIONAL BUSINESS MACHS	INTR	2,490	$702,578	0.12%
68	VANGUARD INDEX FDS	922908538	2,361	$693,638	0.12%
69	JOHNSON & JOHNSON	JNJ	3,740	$693,471	0.12%
70	ECOLAB INC	ECL	2,472	$676,982	0.12%
71	ISHARES TR	464287671	4,000	$658,160	0.11%
72	ISHARES TR	46435U549	13,635	$654,894	0.11%
73	INNOVATOR ETFS TRUST	INHD	14,103	$645,095	0.11%
74	SPDR INDEX SHS FDS	78463X509	13,759	$644,059	0.11%
75	ISHARES TR	464287473	4,548	$635,219	0.11%
76	VANGUARD INSTL INDEX FD	922040845	8,344	$630,932	0.11%
77	PALANTIR TECHNOLOGIES INC	PLTR	3,317	$605,087	0.10%
78	SPDR SERIES TRUST	78468R101	20,308	$595,431	0.10%
79	DIMENSIONAL ETF TRUST	25434V302	18,630	$587,404	0.10%
80	MERCK & CO INC	MRK	6,827	$572,990	0.10%
81	VANGUARD WORLD FD	921910816	1,414	$569,022	0.10%
82	LAM RESEARCH CORP	LRCX	4,222	$565,326	0.10%
83	EATON CORP PLC	ETN	1,489	$557,258	0.10%
84	ISHARES TR	464288570	4,392	$553,172	0.09%
85	SPDR INDEX SHS FDS	78463X533	14,169	$550,466	0.09%
86	INNOVATOR ETFS TRUST	INHD	12,013	$547,793	0.09%
87	BROADCOM INC	AVGO	1,616	$533,135	0.09%
88	SPDR INDEX SHS FDS	78470E106	10,777	$531,481	0.09%
89	INNOVATOR ETFS TRUST	INHD	13,545	$519,586	0.09%
90	FIDELITY WISE ORIGIN BITCOIN	FBTC	5,132	$512,225	0.09%
91	DISNEY WALT CO	254687106	4,419	$505,976	0.09%
92	SELECT SECTOR SPDR TR	81369Y605	9,265	$499,106	0.09%
93	INNOVATOR ETFS TRUST	INHD	18,821	$498,004	0.09%
94	VANGUARD WHITEHALL FDS	921946406	3,444	$485,432	0.08%
95	AMGEN INC	AMGN	1,571	$443,336	0.08%
96	ALLIANT ENERGY CORP	LNT	6,502	$438,300	0.07%
97	MCDONALDS CORP	MCD	1,439	$437,298	0.07%
98	ISHARES INC	46434G764	6,390	$431,389	0.07%
99	DIMENSIONAL ETF TRUST	25434V880	13,691	$429,624	0.07%
100	AMPLIFY ETF TR	032108615	4,286	$414,285	0.07%
101	INNOVATOR ETFS TRUST	INHD	9,432	$400,577	0.07%
102	ISHARES TR	464287655	1,639	$396,572	0.07%
103	VANGUARD WORLD FD	921910840	2,865	$394,625	0.07%
104	VALLEY NATL BANCORP	919794107	37,097	$393,228	0.07%
105	INNOVATOR ETFS TRUST	INHD	9,154	$393,164	0.07%
106	SPDR SERIES TRUST	78464A599	1,979	$391,367	0.07%
107	COSTCO WHSL CORP NEW	22160K105	405	$374,880	0.06%
108	SPDR SERIES TRUST	78464A649	14,079	$363,942	0.06%
109	HOME DEPOT INC	HD	897	$363,455	0.06%
110	DIMENSIONAL ETF TRUST	25434V708	9,410	$362,944	0.06%
111	INNOVATOR ETFS TRUST	INHD	6,757	$358,226	0.06%
112	VISA INC	V	1,046	$357,083	0.06%
113	SOUTHERN CO	SOMN	3,673	$348,090	0.06%
114	SALESFORCE INC	CRM	1,464	$346,968	0.06%
115	IRON MTN INC DEL	46284V101	3,350	$341,499	0.06%
116	ISHARES TR	464287440	3,523	$339,829	0.06%
117	DTE ENERGY CO	DTK	2,401	$339,643	0.06%
118	VANGUARD INDEX FDS	922908652	1,606	$336,200	0.06%
119	VANGUARD TAX-MANAGED FDS	921943858	5,605	$335,852	0.06%
120	TESLA INC	TSLA	747	$332,206	0.06%
121	EXXON MOBIL CORP	XOM	2,941	$331,598	0.06%
122	FIRST TR EXCHANGE-TRADED FD	33739Q200	6,583	$327,768	0.06%
123	STRATEGY INC	STRK	1,016	$327,365	0.06%
124	INVESCO EXCH TRADED FD TR II	IVZ	6,172	$320,944	0.05%
125	VANGUARD SPECIALIZED FUNDS	921908844	1,446	$312,032	0.05%
126	ISHARES TR	464287630	1,758	$310,847	0.05%
127	CINCINNATI FINL CORP	172062101	1,950	$308,295	0.05%
128	INNOVATOR ETFS TRUST	INHD	7,838	$304,859	0.05%
129	ISHARES INC	46434G863	6,948	$301,663	0.05%
130	STRYKER CORPORATION	SYK	775	$286,494	0.05%
131	VANECK ETF TRUST	92189F106	3,726	$284,666	0.05%
132	NETFLIX INC	NFLX	237	$284,144	0.05%
133	CF BANKSHARES INC	CFBK	11,843	$283,640	0.05%
134	INNOVATOR ETFS TRUST	INHD	6,459	$280,967	0.05%
135	ABBVIE INC	ABBV	1,189	$275,301	0.05%
136	INNOVATOR ETFS TRUST	INHD	5,368	$266,578	0.05%
137	SCHWAB STRATEGIC TR	808524607	9,380	$261,702	0.04%
138	BRIDGEBIO PHARMA INC	BBIO	5,000	$259,700	0.04%
139	VANGUARD INDEX FDS	922908637	839	$258,295	0.04%
140	RTX CORPORATION	RTX	1,539	$257,521	0.04%
141	3M CO	MMM	1,654	$256,668	0.04%
142	ISHARES TR	46435G193	10,842	$255,438	0.04%
143	ISHARES TR	464288802	1,880	$255,022	0.04%
144	META PLATFORMS INC	META	340	$249,689	0.04%
145	ISHARES TR	46435G243	9,780	$247,532	0.04%
146	PALO ALTO NETWORKS INC	PANW	1,162	$236,606	0.04%
147	ISHARES TR	46434V464	1,038	$235,491	0.04%
148	AMERICAN EXPRESS CO	AXP	705	$234,173	0.04%
149	PHILIP MORRIS INTL INC	718172109	1,441	$233,730	0.04%
150	SPDR SERIES TRUST	78464A532	2,777	$232,851	0.04%
151	ISHARES GOLD TR	IAU	3,172	$230,826	0.04%
152	VANGUARD INTL EQUITY INDEX F	922042858	4,181	$226,527	0.04%
153	VANGUARD INDEX FDS	922908751	880	$223,766	0.04%
154	PNC FINL SVCS GROUP INC	693475105	1,103	$221,626	0.04%
155	FIDELITY COVINGTON TRUST	316092113	5,926	$220,862	0.04%
156	WALMART INC	WMT	2,061	$212,407	0.04%
157	J P MORGAN EXCHANGE TRADED F	46641Q332	3,705	$211,556	0.04%
158	BOEING CO	BA-PA	972	$209,787	0.04%
159	CHIPOTLE MEXICAN GRILL INC	CMG	5,335	$209,079	0.04%
160	SPDR SERIES TRUST	78464A821	2,240	$205,094	0.04%
161	INVESCO EXCHANGE TRADED FD T	IVZ	7,049	$203,575	0.03%
162	ISHARES TR	464287648	635	$203,225	0.03%
163	VANGUARD ADMIRAL FDS INC	921932505	460	$200,312	0.03%
164	STANDARD LITHIUM LTD	SLI	53,300	$179,621	0.03%
165	B2GOLD CORP	BTG	17,482	$86,455	0.01%