RETIREMENT INCOME SOLUTIONS, INC

Filed: 5/6/2025ACC: 0000950123-25-004086

📋 What this filing means

RETIREMENT INCOME SOLUTIONS, INC filed this quarterly 13F‑HR report disclosing 146 equity positions with a total reported market value of $477.92M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

146

Positions

$477.92M

Total AUM (reported)

4.46M

Total Shares

Allocation by class

CORE S&P500 ETF$125.67M26.3%

PORTFOLIO S&P500$59.37M12.4%

CORE S&P MCP ETF$44.02M9.2%

TR UNIT$40.49M8.5%

COM$27.25M5.7%

PORTFOLIO S&P400$19.27M4.0%

RUS 1000 GRW ETF$16.67M3.5%

Portfolio Concentration

Top 3$229.05M47.9%

4–10$108.88M22.8%

11–25$66.69M14.0%

Rest$73.30M15.3%

Top 3 weight

47.9%

Top 10 weight

70.7%

Voting Authority Distribution

Total shares with voting rights: 4.46M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.46M

% of voting shares100.0%

Investment Discretion (by position count)

Sole146

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings146

Rows:

ISHARES TR

SOLE

CORE S&P500 ETF

Shares223.65K

TypeSH

Market value$125.67M

26.29%

Sole

0.00

Shared

0.00

None

223.65K

SPDR SER TR

SOLE

PORTFOLIO S&P500

Shares902.83K

TypeSH

Market value$59.37M

12.42%

Sole

0.00

Shared

0.00

None

902.83K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares754.34K

TypeSH

Market value$44.02M

9.21%

Sole

0.00

Shared

0.00

None

754.34K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares72.38K

TypeSH

Market value$40.49M

8.47%

Sole

0.00

Shared

0.00

None

72.38K

SPDR SER TR

SOLE

PORTFOLIO S&P400

Shares376.56K

TypeSH

Market value$19.27M

4.03%

Sole

0.00

Shared

0.00

None

376.56K

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares46.17K

TypeSH

Market value$16.67M

3.49%

Sole

0.00

Shared

0.00

None

46.17K

SPDR SER TR

SOLE

SPDR S&P 500 ETF

Shares191.13K

TypeSH

Market value$8.74M

1.83%

Sole

0.00

Shared

0.00

None

191.13K

ISHARES TR

SOLE

ESG AWR MSCI USA

Shares70.17K

TypeSH

Market value$8.55M

1.79%

Sole

0.00

Shared

0.00

None

70.17K

WORLD GOLD TR

SOLE

SPDR GLD MINIS

Shares134.88K

TypeSH

Market value$8.35M

1.75%

Sole

0.00

Shared

0.00

None

134.88K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares14.50K

TypeSH

Market value$6.80M

1.42%

Sole

0.00

Shared

0.00

None

14.50K

ISHARES TR

SOLE

RUS 1000 VAL ETF

Shares35.92K

TypeSH

Market value$6.76M

1.41%

Sole

0.00

Shared

0.00

None

35.92K

J P MORGAN EXCHANGE TRADED F

SOLE

MUNICIPAL ETF

Shares126.24K

TypeSH

Market value$6.31M

1.32%

Sole

0.00

Shared

0.00

None

126.24K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares35.66K

TypeSH

Market value$6.18M

1.29%

Sole

0.00

Shared

0.00

None

35.66K

ISHARES TR

SOLE

RUS 1000 ETF

Shares20.10K

TypeSH

Market value$6.17M

1.29%

Sole

0.00

Shared

0.00

None

20.10K

SPDR S&P MIDCAP 400 ETF TR

SOLE

UTSER1 S&PDCRP

Shares10.68K

TypeSH

Market value$5.70M

1.19%

Sole

0.00

Shared

0.00

None

10.68K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED SMALL

Shares164.16K

TypeSH

Market value$4.84M

1.01%

Sole

0.00

Shared

0.00

None

164.16K

APPLE INC

SOLE

COM

Shares21.31K

TypeSH

Market value$4.73M

0.99%

Sole

0.00

Shared

0.00

None

21.31K

ISHARES TR

SOLE

MSCI ACWI ETF

Shares39.76K

TypeSH

Market value$4.63M

0.97%

Sole

0.00

Shared

0.00

None

39.76K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares14.72K

TypeSH

Market value$3.81M

0.80%

Sole

0.00

Shared

0.00

None

14.72K

AMAZON COM INC

SOLE

COM

Shares18.19K

TypeSH

Market value$3.46M

0.72%

Sole

0.00

Shared

0.00

None

18.19K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares5.96K

TypeSH

Market value$3.17M

0.66%

Sole

0.00

Shared

0.00

None

5.96K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares38.18K

TypeSH

Market value$3.07M

0.64%

Sole

0.00

Shared

0.00

None

38.18K

ISHARES TR

SOLE

MSCI EAFE ETF

Shares33.81K

TypeSH

Market value$2.76M

0.58%

Sole

0.00

Shared

0.00

None

33.81K

SELECT SECTOR SPDR TR

SOLE

TECHNOLOGY

Shares12.47K

TypeSH

Market value$2.58M

0.54%

Sole

0.00

Shared

0.00

None

12.47K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares49.49K

TypeSH

Market value$2.53M

0.53%

Sole

0.00

Shared

0.00

None

49.49K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	CORE S&P500 ETF	223.65K	SH	$125.67M 26.29%	223.65K
SPDR SER TRSOLE	PORTFOLIO S&P500	902.83K	SH	$59.37M 12.42%	902.83K
ISHARES TRSOLE	CORE S&P MCP ETF	754.34K	SH	$44.02M 9.21%	754.34K
SPDR S&P 500 ETF TRSOLE	TR UNIT	72.38K	SH	$40.49M 8.47%	72.38K
SPDR SER TRSOLE	PORTFOLIO S&P400	376.56K	SH	$19.27M 4.03%	376.56K
ISHARES TRSOLE	RUS 1000 GRW ETF	46.17K	SH	$16.67M 3.49%	46.17K
SPDR SER TRSOLE	SPDR S&P 500 ETF	191.13K	SH	$8.74M 1.83%	191.13K
ISHARES TRSOLE	ESG AWR MSCI USA	70.17K	SH	$8.55M 1.79%	70.17K
WORLD GOLD TRSOLE	SPDR GLD MINIS	134.88K	SH	$8.35M 1.75%	134.88K
INVESCO QQQ TRSOLE	UNIT SER 1	14.50K	SH	$6.80M 1.42%	14.50K
ISHARES TRSOLE	RUS 1000 VAL ETF	35.92K	SH	$6.76M 1.41%	35.92K
J P MORGAN EXCHANGE TRADED FSOLE	MUNICIPAL ETF	126.24K	SH	$6.31M 1.32%	126.24K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	35.66K	SH	$6.18M 1.29%	35.66K
ISHARES TRSOLE	RUS 1000 ETF	20.10K	SH	$6.17M 1.29%	20.10K
SPDR S&P MIDCAP 400 ETF TRSOLE	UTSER1 S&PDCRP	10.68K	SH	$5.70M 1.19%	10.68K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED SMALL	164.16K	SH	$4.84M 1.01%	164.16K
APPLE INCSOLE	COM	21.31K	SH	$4.73M 0.99%	21.31K
ISHARES TRSOLE	MSCI ACWI ETF	39.76K	SH	$4.63M 0.97%	39.76K
VANGUARD INDEX FDSSOLE	MID CAP ETF	14.72K	SH	$3.81M 0.80%	14.72K
AMAZON COM INCSOLE	COM	18.19K	SH	$3.46M 0.72%	18.19K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	5.96K	SH	$3.17M 0.66%	5.96K
SPDR SER TRSOLE	PRTFLO S&P500 GW	38.18K	SH	$3.07M 0.64%	38.18K
ISHARES TRSOLE	MSCI EAFE ETF	33.81K	SH	$2.76M 0.58%	33.81K
SELECT SECTOR SPDR TRSOLE	TECHNOLOGY	12.47K	SH	$2.58M 0.54%	12.47K
SPDR SER TRSOLE	PRTFLO S&P500 VL	49.49K	SH	$2.53M 0.53%	49.49K

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