RETIREMENT INCOME SOLUTIONS, INC

Filed: 1/31/2025ACC: 0000950123-25-000760

📋 What this filing means

RETIREMENT INCOME SOLUTIONS, INC filed this quarterly 13F‑HR report disclosing 149 equity positions with a total reported market value of $495.58M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

149

Positions

$495.58M

Total AUM (reported)

3.96M

Total Shares

Allocation by class

CORE S&P500 ETF$162.44M32.8%

CORE S&P MCP ETF$54.51M11.0%

TR UNIT$42.61M8.6%

PORTFOLIO S&P500$30.96M6.2%

COM$28.36M5.7%

RUS 1000 GRW ETF$19.05M3.8%

PORTFOLIO S&P400$11.86M2.4%

Portfolio Concentration

Top 3$259.57M52.4%

4–10$94.86M19.1%

11–25$67.69M13.7%

Rest$73.47M14.8%

Top 3 weight

52.4%

Top 10 weight

71.5%

Voting Authority Distribution

Total shares with voting rights: 3.96M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

3.96M

% of voting shares100.0%

Investment Discretion (by position count)

Sole149

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings149

Rows:

ISHARES TR

SOLE

CORE S&P500 ETF

Shares275.95K

TypeSH

Market value$162.44M

32.78%

Sole

0.00

Shared

0.00

None

275.95K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares874.84K

TypeSH

Market value$54.51M

11.00%

Sole

0.00

Shared

0.00

None

874.84K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares72.70K

TypeSH

Market value$42.61M

8.60%

Sole

0.00

Shared

0.00

None

72.70K

SPDR SER TR

SOLE

PORTFOLIO S&P500

Shares449.04K

TypeSH

Market value$30.96M

6.25%

Sole

0.00

Shared

0.00

None

449.04K

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares47.43K

TypeSH

Market value$19.05M

3.84%

Sole

0.00

Shared

0.00

None

47.43K

SPDR SER TR

SOLE

PORTFOLIO S&P400

Shares216.78K

TypeSH

Market value$11.86M

2.39%

Sole

0.00

Shared

0.00

None

216.78K

SPDR SER TR

SOLE

SPDR S&P 500 ETF

Shares197.56K

TypeSH

Market value$9.51M

1.92%

Sole

0.00

Shared

0.00

None

197.56K

ISHARES TR

SOLE

ESG AWR MSCI USA

Shares70.31K

TypeSH

Market value$9.06M

1.83%

Sole

0.00

Shared

0.00

None

70.31K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares14.63K

TypeSH

Market value$7.48M

1.51%

Sole

0.00

Shared

0.00

None

14.63K

WORLD GOLD TR

SOLE

SPDR GLD MINIS

Shares133.66K

TypeSH

Market value$6.95M

1.40%

Sole

0.00

Shared

0.00

None

133.66K

ISHARES TR

SOLE

RUS 1000 VAL ETF

Shares35.83K

TypeSH

Market value$6.63M

1.34%

Sole

0.00

Shared

0.00

None

35.83K

ISHARES TR

SOLE

RUS 1000 ETF

Shares20.30K

TypeSH

Market value$6.54M

1.32%

Sole

0.00

Shared

0.00

None

20.30K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares35.17K

TypeSH

Market value$6.16M

1.24%

Sole

0.00

Shared

0.00

None

35.17K

SPDR S&P MIDCAP 400 ETF TR

SOLE

UTSER1 S&PDCRP

Shares10.75K

TypeSH

Market value$6.12M

1.24%

Sole

0.00

Shared

0.00

None

10.75K

APPLE INC

SOLE

COM

Shares21.44K

TypeSH

Market value$5.37M

1.08%

Sole

0.00

Shared

0.00

None

21.44K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED SMALL

Shares151.76K

TypeSH

Market value$4.91M

0.99%

Sole

0.00

Shared

0.00

None

151.76K

ISHARES TR

SOLE

MSCI ACWI ETF

Shares40.75K

TypeSH

Market value$4.79M

0.97%

Sole

0.00

Shared

0.00

None

40.75K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares17.67K

TypeSH

Market value$4.67M

0.94%

Sole

0.00

Shared

0.00

None

17.67K

AMAZON COM INC

SOLE

COM

Shares19.11K

TypeSH

Market value$4.19M

0.85%

Sole

0.00

Shared

0.00

None

19.11K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares46.64K

TypeSH

Market value$4.10M

0.83%

Sole

0.00

Shared

0.00

None

46.64K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares66.07K

TypeSH

Market value$3.38M

0.68%

Sole

0.00

Shared

0.00

None

66.07K

SELECT SECTOR SPDR TR

SOLE

TECHNOLOGY

Shares12.70K

TypeSH

Market value$2.95M

0.60%

Sole

0.00

Shared

0.00

None

12.70K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares5.90K

TypeSH

Market value$2.68M

0.54%

Sole

0.00

Shared

0.00

None

5.90K

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares26.16K

TypeSH

Market value$2.66M

0.54%

Sole

0.00

Shared

0.00

None

26.16K

MICROSOFT CORP

SOLE

COM

Shares6.02K

TypeSH

Market value$2.54M

0.51%

Sole

0.00

Shared

0.00

None

6.02K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	CORE S&P500 ETF	275.95K	SH	$162.44M 32.78%	275.95K
ISHARES TRSOLE	CORE S&P MCP ETF	874.84K	SH	$54.51M 11.00%	874.84K
SPDR S&P 500 ETF TRSOLE	TR UNIT	72.70K	SH	$42.61M 8.60%	72.70K
SPDR SER TRSOLE	PORTFOLIO S&P500	449.04K	SH	$30.96M 6.25%	449.04K
ISHARES TRSOLE	RUS 1000 GRW ETF	47.43K	SH	$19.05M 3.84%	47.43K
SPDR SER TRSOLE	PORTFOLIO S&P400	216.78K	SH	$11.86M 2.39%	216.78K
SPDR SER TRSOLE	SPDR S&P 500 ETF	197.56K	SH	$9.51M 1.92%	197.56K
ISHARES TRSOLE	ESG AWR MSCI USA	70.31K	SH	$9.06M 1.83%	70.31K
INVESCO QQQ TRSOLE	UNIT SER 1	14.63K	SH	$7.48M 1.51%	14.63K
WORLD GOLD TRSOLE	SPDR GLD MINIS	133.66K	SH	$6.95M 1.40%	133.66K
ISHARES TRSOLE	RUS 1000 VAL ETF	35.83K	SH	$6.63M 1.34%	35.83K
ISHARES TRSOLE	RUS 1000 ETF	20.30K	SH	$6.54M 1.32%	20.30K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	35.17K	SH	$6.16M 1.24%	35.17K
SPDR S&P MIDCAP 400 ETF TRSOLE	UTSER1 S&PDCRP	10.75K	SH	$6.12M 1.24%	10.75K
APPLE INCSOLE	COM	21.44K	SH	$5.37M 1.08%	21.44K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED SMALL	151.76K	SH	$4.91M 0.99%	151.76K
ISHARES TRSOLE	MSCI ACWI ETF	40.75K	SH	$4.79M 0.97%	40.75K
VANGUARD INDEX FDSSOLE	MID CAP ETF	17.67K	SH	$4.67M 0.94%	17.67K
AMAZON COM INCSOLE	COM	19.11K	SH	$4.19M 0.85%	19.11K
SPDR SER TRSOLE	PRTFLO S&P500 GW	46.64K	SH	$4.10M 0.83%	46.64K
SPDR SER TRSOLE	PRTFLO S&P500 VL	66.07K	SH	$3.38M 0.68%	66.07K
SELECT SECTOR SPDR TRSOLE	TECHNOLOGY	12.70K	SH	$2.95M 0.60%	12.70K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	5.90K	SH	$2.68M 0.54%	5.90K
ISHARES TRSOLE	S&P 500 GRWT ETF	26.16K	SH	$2.66M 0.54%	26.16K
MICROSOFT CORPSOLE	COM	6.02K	SH	$2.54M 0.51%	6.02K

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