Institutional Manager · CIK 0001957886

Retirement Investment Advisors, Inc.

OKLAHOMA CITY, OK · File #028-23100

Latest AUM

$1.24B

Positions

Top-10 Concentration

93.5%

Filings

Portfolio Value Over Time

2023-12

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
ADD	VANGUARD INDEX FDS	922908744	+27,882	+$5.3M	+$6.1M
ADD	ISHARES TR	464288414	+30,817	+$3.3M	+$243,062
ADD	VANGUARD BD INDEX FDS	921937819	+36,946	+$2.9M	-$352,756
ADD	ISHARES TR	46432F842	+25,354	+$2.3M	+$4.4M
ADD	VANGUARD CHARLOTTE FDS	92203J407	+38,906	+$1.9M	-$1.1M
NEW	APPLE INC	AAPL	+6,466	+$1.8M	$0
EXITED	Apple Inc	378331000	-6,501	-$1.7M	$0
NEW	BERKSHIRE HATHAWAY INC DEL	BRK-A	+3,278	+$1.6M	$0
ADD	VANGUARD INDEX FDS	922908611	+7,668	+$1.6M	+$1.2M
EXITED	Berkshire Hathaway Inc	846707020	-3,139	-$1.6M	$0

Sector Allocation

Financials

0.6%$7.3M

Energy

0.5%$6.7M

Technology

0.3%$3.7M

Consumer Discretionary

0.1%$1.6M

0.1%$886,935

0.1%$838,687

0.0%$577,774

0.0%$479,507

Filing History

Jan 21, 202613F HOLDINGS REPORTQ/E Dec 202566 pos · $1.24B
Oct 28, 202513F HOLDINGS REPORTQ/E Sep 202565 pos · $1.20B
Aug 7, 202513F HOLDINGS REPORTQ/E Jun 202561 pos · $1.11B
May 13, 202513F HOLDINGS REPORTQ/E Mar 202560 pos · $987.7M
Feb 12, 202513F HOLDINGS REPORTQ/E Dec 202462 pos · $948.3M
Nov 14, 202413F HOLDINGS REPORTQ/E Sep 202456 pos · $915.5M
Aug 12, 202413F HOLDINGS REPORTQ/E Jun 202454 pos · $823.6M
Nov 13, 202313F HOLDINGS REPORTQ/E Dec 202359 pos · $1.10B

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	VANGUARD INDEX FDS	922908744	1,375,849	$262.8M	21.24%
2	VANGUARD INDEX FDS	922908736	526,861	$257.0M	20.78%
3	ISHARES TR	46432F842	2,083,353	$186.4M	15.06%
4	VANGUARD BD INDEX FDS	921937819	1,716,738	$133.7M	10.81%
5	ISHARES INC	46434G103	1,382,686	$92.9M	7.51%
6	VANGUARD INDEX FDS	922908611	393,715	$83.4M	6.74%
7	VANGUARD CHARLOTTE FDS	92203J407	995,929	$48.1M	3.89%
8	ISHARES TR	464288414	422,852	$45.3M	3.66%
9	ISHARES TR	464288281	291,358	$28.1M	2.27%
10	DBX ETF TR	233051432	529,159	$19.5M	1.58%
11	VANGUARD INDEX FDS	922908595	62,479	$18.9M	1.53%
12	VANECK ETF TRUST	92189H409	144,805	$7.4M	0.60%
13	VANGUARD MUN BD FDS	922907746	111,552	$5.6M	0.45%
14	SCHWAB STRATEGIC TR	808524409	155,871	$4.6M	0.37%
15	EXXON MOBIL CORP	XOM	36,842	$4.4M	0.36%
16	INVESCO QQQ TR	IVZ	6,757	$4.2M	0.34%
17	ISHARES TR	464287200	4,395	$3.0M	0.24%
18	VANGUARD TAX-MANAGED FDS	921943858	41,663	$2.6M	0.21%
19	SPDR SER TR	78464A763	15,460	$2.2M	0.17%
20	VANGUARD STAR FDS	921909768	26,193	$2.0M	0.16%