RETIREMENT INCOME SOLUTIONS, INC

Filed: 7/15/2025ACC: 0000950123-25-006374

📋 What this filing means

RETIREMENT INCOME SOLUTIONS, INC filed this quarterly 13F‑HR report disclosing 158 equity positions with a total reported market value of $545.02M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

158

Positions

$545.02M

Total AUM (reported)

6.03M

Total Shares

Allocation by class

PORTFOLIO S&P500$117.93M21.6%

ULTRA SHRT ETF$47.01M8.6%

TR UNIT$44.41M8.1%

ENHAN SHRT MA AC$41.55M7.6%

CORE S&P500 ETF$39.95M7.3%

PORTFOLIO S&P400$32.84M6.0%

COM$30.55M5.6%

Portfolio Concentration

Top 3$209.36M38.4%

4–10$167.09M30.7%

11–25$78.62M14.4%

Rest$89.95M16.5%

Top 3 weight

38.4%

Top 10 weight

69.1%

Voting Authority Distribution

Total shares with voting rights: 6.03M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

6.03M

% of voting shares100.0%

Investment Discretion (by position count)

Sole158

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings158

Rows:

SPDR SERIES TRUST

SOLE

PORTFOLIO S&P500

Shares1.62M

TypeSH

Market value$117.93M

21.64%

Sole

0.00

Shared

0.00

None

1.62M

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares927.65K

TypeSH

Market value$47.01M

8.63%

Sole

0.00

Shared

0.00

None

927.65K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares71.88K

TypeSH

Market value$44.41M

8.15%

Sole

0.00

Shared

0.00

None

71.88K

PIMCO ETF TR

SOLE

ENHAN SHRT MA AC

Shares413.33K

TypeSH

Market value$41.55M

7.62%

Sole

0.00

Shared

0.00

None

413.33K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares64.35K

TypeSH

Market value$39.95M

7.33%

Sole

0.00

Shared

0.00

None

64.35K

SPDR SERIES TRUST

SOLE

PORTFOLIO S&P400

Shares603.91K

TypeSH

Market value$32.84M

6.03%

Sole

0.00

Shared

0.00

None

603.91K

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares44.28K

TypeSH

Market value$18.80M

3.45%

Sole

0.00

Shared

0.00

None

44.28K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares258.23K

TypeSH

Market value$16.02M

2.94%

Sole

0.00

Shared

0.00

None

258.23K

SPDR SERIES TRUST

SOLE

SPDR S&P 500 ETF

Shares178.08K

TypeSH

Market value$9.07M

1.66%

Sole

0.00

Shared

0.00

None

178.08K

WORLD GOLD TR

SOLE

SPDR GLD MINIS

Shares135.22K

TypeSH

Market value$8.86M

1.63%

Sole

0.00

Shared

0.00

None

135.22K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares14.38K

TypeSH

Market value$7.93M

1.46%

Sole

0.00

Shared

0.00

None

14.38K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares37.98K

TypeSH

Market value$6.90M

1.27%

Sole

0.00

Shared

0.00

None

37.98K

ISHARES TR

SOLE

RUS 1000 ETF

Shares19.92K

TypeSH

Market value$6.77M

1.24%

Sole

0.00

Shared

0.00

None

19.92K

ISHARES TR

SOLE

ESG AWR MSCI USA

Shares49.78K

TypeSH

Market value$6.73M

1.24%

Sole

0.00

Shared

0.00

None

49.78K

ISHARES TR

SOLE

RUS 1000 VAL ETF

Shares33.79K

TypeSH

Market value$6.56M

1.20%

Sole

0.00

Shared

0.00

None

33.79K

J P MORGAN EXCHANGE TRADED F

SOLE

MUNICIPAL ETF

Shares126.70K

TypeSH

Market value$6.29M

1.15%

Sole

0.00

Shared

0.00

None

126.70K

SPDR S&P MIDCAP 400 ETF TR

SOLE

UTSER1 S&PDCRP

Shares10.39K

TypeSH

Market value$5.88M

1.08%

Sole

0.00

Shared

0.00

None

10.39K

ISHARES TR

SOLE

MSCI ACWI ETF

Shares40.02K

TypeSH

Market value$5.15M

0.94%

Sole

0.00

Shared

0.00

None

40.02K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED SMALL

Shares135.33K

TypeSH

Market value$4.33M

0.79%

Sole

0.00

Shared

0.00

None

135.33K

APPLE INC

SOLE

COM

Shares21.05K

TypeSH

Market value$4.32M

0.79%

Sole

0.00

Shared

0.00

None

21.05K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares14.39K

TypeSH

Market value$4.03M

0.74%

Sole

0.00

Shared

0.00

None

14.39K

AMAZON COM INC

SOLE

COM

Shares17.99K

TypeSH

Market value$3.95M

0.72%

Sole

0.00

Shared

0.00

None

17.99K

SPDR SERIES TRUST

SOLE

PRTFLO S&P500 GW

Shares36.81K

TypeSH

Market value$3.51M

0.64%

Sole

0.00

Shared

0.00

None

36.81K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares6.54K

TypeSH

Market value$3.18M

0.58%

Sole

0.00

Shared

0.00

None

6.54K

SELECT SECTOR SPDR TR

SOLE

TECHNOLOGY

Shares12.21K

TypeSH

Market value$3.09M

0.57%

Sole

0.00

Shared

0.00

None

12.21K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SERIES TRUSTSOLE	PORTFOLIO S&P500	1.62M	SH	$117.93M 21.64%	1.62M
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	927.65K	SH	$47.01M 8.63%	927.65K
SPDR S&P 500 ETF TRSOLE	TR UNIT	71.88K	SH	$44.41M 8.15%	71.88K
PIMCO ETF TRSOLE	ENHAN SHRT MA AC	413.33K	SH	$41.55M 7.62%	413.33K
ISHARES TRSOLE	CORE S&P500 ETF	64.35K	SH	$39.95M 7.33%	64.35K
SPDR SERIES TRUSTSOLE	PORTFOLIO S&P400	603.91K	SH	$32.84M 6.03%	603.91K
ISHARES TRSOLE	RUS 1000 GRW ETF	44.28K	SH	$18.80M 3.45%	44.28K
ISHARES TRSOLE	CORE S&P MCP ETF	258.23K	SH	$16.02M 2.94%	258.23K
SPDR SERIES TRUSTSOLE	SPDR S&P 500 ETF	178.08K	SH	$9.07M 1.66%	178.08K
WORLD GOLD TRSOLE	SPDR GLD MINIS	135.22K	SH	$8.86M 1.63%	135.22K
INVESCO QQQ TRSOLE	UNIT SER 1	14.38K	SH	$7.93M 1.46%	14.38K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	37.98K	SH	$6.90M 1.27%	37.98K
ISHARES TRSOLE	RUS 1000 ETF	19.92K	SH	$6.77M 1.24%	19.92K
ISHARES TRSOLE	ESG AWR MSCI USA	49.78K	SH	$6.73M 1.24%	49.78K
ISHARES TRSOLE	RUS 1000 VAL ETF	33.79K	SH	$6.56M 1.20%	33.79K
J P MORGAN EXCHANGE TRADED FSOLE	MUNICIPAL ETF	126.70K	SH	$6.29M 1.15%	126.70K
SPDR S&P MIDCAP 400 ETF TRSOLE	UTSER1 S&PDCRP	10.39K	SH	$5.88M 1.08%	10.39K
ISHARES TRSOLE	MSCI ACWI ETF	40.02K	SH	$5.15M 0.94%	40.02K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED SMALL	135.33K	SH	$4.33M 0.79%	135.33K
APPLE INCSOLE	COM	21.05K	SH	$4.32M 0.79%	21.05K
VANGUARD INDEX FDSSOLE	MID CAP ETF	14.39K	SH	$4.03M 0.74%	14.39K
AMAZON COM INCSOLE	COM	17.99K	SH	$3.95M 0.72%	17.99K
SPDR SERIES TRUSTSOLE	PRTFLO S&P500 GW	36.81K	SH	$3.51M 0.64%	36.81K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	6.54K	SH	$3.18M 0.58%	6.54K
SELECT SECTOR SPDR TRSOLE	TECHNOLOGY	12.21K	SH	$3.09M 0.57%	12.21K

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