13F HOLDINGS REPORT

Retirement Income Solutions, Inc

Quarter ended Q4 2025 · Filed January 27, 2026 · Accession 0001730386-26-000002

Total Value

$589.6M

Positions

170

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (170)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SPDR SERIES TRUST	78464A854	1,797,996	$144.2M	24.46%
2	SPDR S&P 500 ETF TR	SPY	70,380	$48.0M	8.14%
3	SPDR SERIES TRUST	78464A847	702,621	$40.7M	6.90%
4	ISHARES TR	464287200	55,640	$38.1M	6.46%
5	J P MORGAN EXCHANGE TRADED F	46641Q837	714,240	$36.1M	6.13%
6	PIMCO ETF TR	72201R833	327,797	$32.9M	5.58%
7	ISHARES TR	464287614	42,695	$20.2M	3.43%
8	ISHARES TR	464287507	233,379	$15.4M	2.61%
9	WORLD GOLD TR	GLDW	131,546	$11.2M	1.90%
10	SPDR SERIES TRUST	78468R796	173,073	$9.7M	1.65%
11	INVESCO QQQ TR	IVZ	13,396	$8.2M	1.40%
12	ISHARES TR	46435G425	54,307	$8.1M	1.37%
13	J P MORGAN EXCHANGE TRADED F	46641Q647	142,367	$7.2M	1.22%
14	INVESCO EXCHANGE TRADED FD T	IVZ	36,945	$7.1M	1.20%
15	ISHARES TR	464287598	31,963	$6.7M	1.14%
16	ISHARES TR	464287622	17,274	$6.5M	1.09%
17	SPDR S&P MIDCAP 400 ETF TR	MDY	10,323	$6.2M	1.06%
18	ISHARES TR	464288257	41,040	$5.8M	0.98%
19	APPLE INC	AAPL	20,530	$5.6M	0.95%
20	FIDELITY COVINGTON TRUST	31609A206	143,461	$5.4M	0.92%
21	VANGUARD INDEX FDS	922908629	14,018	$4.1M	0.69%
22	AMAZON COM INC	AMZN	17,385	$4.0M	0.68%
23	AMERICAN CENTY ETF TR	025072703	47,330	$3.9M	0.66%
24	DIMENSIONAL ETF TRUST	25434V302	112,093	$3.7M	0.62%
25	SPDR SERIES TRUST	78464A409	33,785	$3.6M	0.61%
26	SELECT SECTOR SPDR TR	81369Y803	23,178	$3.3M	0.57%
27	BERKSHIRE HATHAWAY INC DEL	BRK-A	6,615	$3.3M	0.56%
28	ISHARES TR	464287309	26,284	$3.2M	0.55%
29	MICROSOFT CORP	MSFT	6,448	$3.1M	0.53%
30	ISHARES TR	464287465	31,830	$3.1M	0.52%
31	VANGUARD INDEX FDS	922908363	4,652	$2.9M	0.49%
32	VANGUARD INDEX FDS	922908736	5,521	$2.7M	0.46%
33	ALPHABET INC	GOOG	8,442	$2.6M	0.45%
34	SPDR SERIES TRUST	78464A508	42,796	$2.4M	0.41%
35	ISHARES TR	464287499	25,012	$2.4M	0.41%
36	VANGUARD INDEX FDS	922908769	7,032	$2.4M	0.40%
37	ALPHABET INC	GOOG	6,828	$2.1M	0.36%
38	ISHARES TR	464287408	9,879	$2.1M	0.36%
39	SCHWAB STRATEGIC TR	808524300	61,608	$2.0M	0.34%
40	NVIDIA CORPORATION	NVDA	9,871	$1.8M	0.31%
41	ELI LILLY & CO	LLY	1,643	$1.8M	0.30%
42	INNOVATOR ETFS TRUST	INHD	39,639	$1.7M	0.28%
43	INNOVATOR ETFS TRUST	INHD	35,850	$1.6M	0.27%
44	VANECK ETF TRUST	92189F676	4,181	$1.5M	0.26%
45	SPDR GOLD TR	GLD	3,715	$1.5M	0.25%
46	INNOVATOR ETFS TRUST	INHD	29,708	$1.3M	0.22%
47	JPMORGAN CHASE & CO.	VYLD	3,984	$1.3M	0.22%
48	ISHARES TR	464287234	22,761	$1.2M	0.21%
49	VANGUARD INTL EQUITY INDEX F	922042775	16,650	$1.2M	0.21%
50	INVESCO EXCHANGE TRADED FD T	IVZ	16,193	$1.1M	0.19%
51	VANGUARD INDEX FDS	922908744	5,730	$1.1M	0.19%
52	SPDR SERIES TRUST	78468R531	15,284	$1.0M	0.17%
53	SPDR INDEX SHS FDS	78463X848	28,103	$1.0M	0.17%
54	INNOVATOR ETFS TRUST	INHD	21,400	$1.0M	0.17%
55	SELECT SECTOR SPDR TR	81369Y506	22,042	$985,498	0.17%
56	BNY MELLON ETF TRUST	09661T107	7,460	$975,768	0.17%
57	SPDR SERIES TRUST	78464A755	8,858	$917,777	0.16%
58	VANGUARD SCOTTSDALE FDS	92206C730	2,870	$886,945	0.15%
59	ORACLE CORP	ORCL-PD	4,351	$848,053	0.14%
60	SCHWAB STRATEGIC TR	808524201	28,455	$765,724	0.13%
61	LAM RESEARCH CORP	LRCX	4,472	$765,517	0.13%
62	INTERNATIONAL BUSINESS MACHS	INTR	2,569	$760,963	0.13%
63	COCA COLA CO	KO	10,635	$743,493	0.13%
64	ISHARES INC	464286392	3,985	$740,293	0.13%
65	DBX ETF TR	233051200	15,341	$738,056	0.13%
66	VANGUARD WORLD FD	921910816	1,723	$711,203	0.12%
67	PROCTER AND GAMBLE CO	742718109	4,846	$694,480	0.12%
68	JOHNSON & JOHNSON	JNJ	3,312	$685,418	0.12%
69	ISHARES TR	464287671	4,000	$671,760	0.11%
70	ISHARES TR	464287457	7,999	$662,477	0.11%
71	INNOVATOR ETFS TRUST	INHD	14,103	$659,174	0.11%
72	VANGUARD INDEX FDS	922908538	2,343	$654,025	0.11%
73	ECOLAB INC	ECL	2,472	$648,949	0.11%
74	ISHARES TR	464287481	4,725	$647,042	0.11%
75	ISHARES TR	464288661	5,420	$646,877	0.11%
76	MERCK & CO INC	MRK	6,047	$636,507	0.11%
77	VANGUARD INSTL INDEX FD	922040845	8,344	$629,388	0.11%
78	SPDR SERIES TRUST	78464A649	23,997	$617,923	0.10%
79	PALANTIR TECHNOLOGIES INC	PLTR	3,437	$610,927	0.10%
80	BROADCOM INC	AVGO	1,713	$592,869	0.10%
81	INVESCO EXCH TRADED FD TR II	IVZ	2,286	$578,175	0.10%
82	SPDR INDEX SHS FDS	78463X509	12,211	$571,597	0.10%
83	ISHARES TR	46435U549	11,942	$571,415	0.10%
84	ISHARES TR	464288570	4,392	$565,821	0.10%
85	INNOVATOR ETFS TRUST	INHD	12,013	$557,764	0.09%
86	SPDR INDEX SHS FDS	78463X533	14,169	$554,716	0.09%
87	SELECT SECTOR SPDR TR	81369Y605	10,062	$551,096	0.09%
88	SPDR INDEX SHS FDS	78470E106	10,525	$531,157	0.09%
89	INNOVATOR ETFS TRUST	INHD	13,545	$529,880	0.09%
90	VANGUARD TAX-MANAGED FDS	921943858	8,436	$526,997	0.09%
91	INNOVATOR ETFS TRUST	INHD	18,821	$502,795	0.09%
92	VANGUARD WHITEHALL FDS	921946406	3,444	$494,283	0.08%
93	ISHARES TR	464287473	3,478	$490,572	0.08%
94	AMGEN INC	AMGN	1,485	$486,055	0.08%
95	J P MORGAN EXCHANGE TRADED F	46654Q716	8,908	$481,656	0.08%
96	ISHARES INC	46434G764	6,600	$479,688	0.08%
97	EATON CORP PLC	ETN	1,475	$469,802	0.08%
98	DIMENSIONAL ETF TRUST	25434V880	13,691	$448,106	0.08%
99	VALLEY NATL BANCORP	919794107	37,097	$433,293	0.07%
100	DISNEY WALT CO	254687106	3,719	$423,111	0.07%
101	ALLIANT ENERGY CORP	LNT	6,502	$422,695	0.07%
102	INNOVATOR ETFS TRUST	INHD	9,432	$407,934	0.07%
103	FIDELITY WISE ORIGIN BITCOIN	FBTC	5,341	$407,144	0.07%
104	VANGUARD WORLD FD	921910840	2,865	$404,423	0.07%
105	ISHARES TR	464287655	1,639	$403,456	0.07%
106	INNOVATOR ETFS TRUST	INHD	9,154	$400,198	0.07%
107	VISA INC	V	1,112	$389,990	0.07%
108	AMPLIFY ETF TR	032108615	4,286	$388,434	0.07%
109	EXXON MOBIL CORP	XOM	3,133	$377,025	0.06%
110	SALESFORCE INC	CRM	1,423	$376,967	0.06%
111	DIMENSIONAL ETF TRUST	25434V708	9,410	$372,542	0.06%
112	INNOVATOR ETFS TRUST	INHD	6,757	$371,996	0.06%
113	SPDR SERIES TRUST	78464A599	1,979	$370,350	0.06%
114	ISHARES INC	46434G863	7,628	$336,923	0.06%
115	TESLA INC	TSLA	747	$335,941	0.06%
116	VANGUARD INDEX FDS	922908652	1,606	$335,847	0.06%
117	FIRST TR EXCHANGE-TRADED FD	33739Q200	6,583	$329,084	0.06%
118	COSTCO WHSL CORP NEW	22160K105	378	$325,965	0.06%
119	SPDR SERIES TRUST	78468R101	11,109	$325,272	0.06%
120	INVESCO EXCH TRADED FD TR II	IVZ	6,172	$324,894	0.06%
121	SOUTHERN CO	SOMN	3,673	$320,286	0.05%
122	VANECK ETF TRUST	92189F106	3,726	$319,579	0.05%
123	ISHARES TR	464287630	1,758	$318,583	0.05%
124	CINCINNATI FINL CORP	172062101	1,950	$318,474	0.05%
125	VANGUARD SPECIALIZED FUNDS	921908844	1,446	$317,802	0.05%
126	DTE ENERGY CO	DTK	2,435	$314,052	0.05%
127	HOME DEPOT INC	HD	908	$312,443	0.05%
128	INNOVATOR ETFS TRUST	INHD	7,838	$310,306	0.05%
129	CF BANKSHARES INC	CFBK	11,843	$295,483	0.05%
130	3M CO	MMM	1,844	$295,224	0.05%
131	INNOVATOR ETFS TRUST	INHD	6,459	$287,190	0.05%
132	ISHARES TR	464287440	2,909	$279,729	0.05%
133	STRYKER CORPORATION	SYK	794	$279,067	0.05%
134	IRON MTN INC DEL	46284V101	3,350	$277,883	0.05%
135	RTX CORPORATION	RTX	1,508	$276,567	0.05%
136	BRIDGEBIO PHARMA INC	BBIO	3,599	$275,288	0.05%
137	INNOVATOR ETFS TRUST	INHD	5,368	$272,495	0.05%
138	ABBVIE INC	ABBV	1,189	$271,675	0.05%
139	SCHWAB STRATEGIC TR	808524607	9,380	$267,142	0.05%
140	VANGUARD INDEX FDS	922908637	839	$264,117	0.04%
141	MCDONALDS CORP	MCD	862	$263,453	0.04%
142	ISHARES GOLD TR	IAU	3,172	$257,471	0.04%
143	AMERICAN EXPRESS CO	AXP	695	$257,115	0.04%
144	SPDR SERIES TRUST	78464A532	2,777	$253,732	0.04%
145	ISHARES TR	46435G193	10,842	$253,537	0.04%
146	WALMART INC	WMT	2,230	$248,444	0.04%
147	ISHARES TR	46435G243	9,787	$247,024	0.04%
148	STANDARD LITHIUM LTD	SLI	53,300	$238,251	0.04%
149	THERMO FISHER SCIENTIFIC INC	TMO	408	$236,416	0.04%
150	PHILIP MORRIS INTL INC	718172109	1,457	$233,703	0.04%
151	PNC FINL SVCS GROUP INC	693475105	1,103	$230,229	0.04%
152	VANGUARD INDEX FDS	922908751	880	$226,996	0.04%
153	PALO ALTO NETWORKS INC	PANW	1,230	$226,566	0.04%
154	FIDELITY COVINGTON TRUST	316092113	5,926	$226,195	0.04%
155	VANGUARD INTL EQUITY INDEX F	922042858	4,181	$224,771	0.04%
156	ISHARES TR	464288802	1,606	$223,788	0.04%
157	CAPITAL ONE FINL CORP	14040H105	919	$222,729	0.04%
158	BOEING CO	BA-PA	1,021	$221,680	0.04%
159	SPDR SERIES TRUST	78464A821	2,349	$217,118	0.04%
160	NETFLIX INC	NFLX	2,290	$214,710	0.04%
161	ADVANCED MICRO DEVICES INC	AMD	1,000	$214,160	0.04%
162	J P MORGAN EXCHANGE TRADED F	46641Q332	3,705	$212,074	0.04%
163	INVESCO EXCHANGE TRADED FD T	IVZ	6,837	$208,802	0.04%
164	ISHARES TR	464287648	635	$205,111	0.03%
165	VANGUARD ADMIRAL FDS INC	921932505	460	$204,511	0.03%
166	TRI CONTL CORP	895436103	6,213	$202,917	0.03%
167	ISHARES TR	464287556	1,186	$200,161	0.03%
168	ISHARES TR	46436E205	8,548	$200,066	0.03%
169	ISHARES TR	46435U515	7,858	$200,025	0.03%
170	B2GOLD CORP	BTG	17,482	$78,826	0.01%