Institutional Manager · CIK 0001730386

Retirement Income Solutions, Inc

Ann Arbor, MI · File #028-18271

Latest AUM

$589.6M

Positions

170

Top-10 Concentration

73.9%

Filings

Portfolio Value Over Time

2024-03

2024-06

2024-09

2024-12

2025-03

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
REDUCE	J P MORGAN EXCHANGE TRADED F	46641Q837	-226,037	-$11.4M	-$131,638
ADD	SPDR SERIES TRUST	78464A854	+139,774	+$11.2M	+$3.1M
REDUCE	PIMCO ETF TR	72201R833	-88,136	-$8.8M	-$145,577
ADD	SPDR SERIES TRUST	78464A847	+84,538	+$4.9M	+$445,019
REDUCE	ISHARES TR	464287200	-6,089	-$4.2M	+$965,452
ADD	DIMENSIONAL ETF TRUST	25434V302	+93,463	+$3.0M	+$19,375
ADD	AMERICAN CENTY ETF TR	025072703	+22,217	+$1.8M	+$85,886
ADD	SELECT SECTOR SPDR TR	81369Y803	+10,964	+$1.6M	-$1.7M
REDUCE	ISHARES TR	464287507	-19,908	-$1.3M	+$187,474
ADD	ISHARES TR	46435G425	+5,256	+$783,039	+$165,792

Sector Allocation

Financials

3.3%$19.3M

Technology

2.3%$13.3M

Materials

1.8%$10.8M

Consumer Discretionary

0.8%$4.9M

0.8%$4.6M

0.2%$1.0M

0.2%$991,937

0.1%$742,981

0.1%$377,025

Communication Services

0.0%$214,710

Filing History

Jan 27, 202613F HOLDINGS REPORTQ/E Dec 2025170 pos · $589.6M
Oct 14, 202513F HOLDINGS REPORTQ/E Sep 2025165 pos · $584.8M
Jul 15, 202513F HOLDINGS REPORTQ/E Jun 2025158 pos · $545.0M
May 6, 202513F HOLDINGS REPORTQ/E Mar 2025146 pos · $477.9M
Jan 31, 202513F HOLDINGS REPORTQ/E Dec 2024149 pos · $495.6M
Nov 8, 202413F HOLDINGS REPORTQ/E Sep 2024146 pos · $437.7M
Aug 1, 202413F HOLDINGS REPORTQ/E Jun 2024141 pos · $413.9M
May 3, 202413F HOLDINGS REPORTQ/E Mar 2024156 pos · $441.0M
Nov 1, 202313F HOLDINGS REPORTQ/E Dec 2023129 pos · $357.4M

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	SPDR SERIES TRUST	78464A854	1,797,996	$144.2M	26.89%
2	SPDR S&P 500 ETF TR	SPY	70,380	$48.0M	8.95%
3	SPDR SERIES TRUST	78464A847	702,621	$40.7M	7.59%
4	ISHARES TR	464287200	55,640	$38.1M	7.10%
5	J P MORGAN EXCHANGE TRADED F	46641Q837	714,240	$36.1M	6.74%
6	PIMCO ETF TR	72201R833	327,797	$32.9M	6.13%
7	ISHARES TR	464287614	42,695	$20.2M	3.77%
8	ISHARES TR	464287507	233,379	$15.4M	2.87%
9	WORLD GOLD TR	GLDW	131,546	$11.2M	2.09%
10	SPDR SERIES TRUST	78468R796	173,073	$9.7M	1.81%
11	INVESCO QQQ TR	IVZ	13,396	$8.2M	1.53%
12	ISHARES TR	46435G425	54,307	$8.1M	1.51%
13	J P MORGAN EXCHANGE TRADED F	46641Q647	142,367	$7.2M	1.34%
14	INVESCO EXCHANGE TRADED FD T	IVZ	36,945	$7.1M	1.32%
15	ISHARES TR	464287598	31,963	$6.7M	1.25%
16	ISHARES TR	464287622	17,274	$6.5M	1.20%
17	SPDR S&P MIDCAP 400 ETF TR	MDY	10,323	$6.2M	1.16%
18	ISHARES TR	464288257	41,040	$5.8M	1.08%
19	APPLE INC	AAPL	20,530	$5.6M	1.04%
20	FIDELITY COVINGTON TRUST	31609A206	143,461	$5.4M	1.01%