RETIREMENT INCOME SOLUTIONS, INC

Filed: 10/14/2025ACC: 0001730386-25-000004

📋 What this filing means

RETIREMENT INCOME SOLUTIONS, INC filed this quarterly 13F‑HR report disclosing 165 equity positions with a total reported market value of $584.82M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

165

Positions

$584.82M

Total AUM (reported)

6.19M

Total Shares

Allocation by class

PORTFOLIO S&P500$129.91M22.2%

ULTRA SHRT ETF$47.70M8.2%

TR UNIT$47.61M8.1%

ENHAN SHRT MA AC$41.88M7.2%

CORE S&P500 ETF$41.32M7.1%

PORTFOLIO S&P400$35.35M6.0%

COM$32.37M5.5%

Portfolio Concentration

Top 3$225.21M38.5%

4–10$175.40M30.0%

11–25$84.42M14.4%

Rest$99.79M17.1%

Top 3 weight

38.5%

Top 10 weight

68.5%

Voting Authority Distribution

Total shares with voting rights: 6.19M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

6.19M

% of voting shares100.0%

Investment Discretion (by position count)

Sole165

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings165

Rows:

SPDR SERIES TRUST

SOLE

PORTFOLIO S&P500

Shares1.66M

TypeSH

Market value$129.91M

22.21%

Sole

0.00

Shared

0.00

None

1.66M

J P MORGAN EXCHANGE TRADED F

SOLE

ULTRA SHRT ETF

Shares940.28K

TypeSH

Market value$47.70M

8.16%

Sole

0.00

Shared

0.00

None

940.28K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares71.46K

TypeSH

Market value$47.61M

8.14%

Sole

0.00

Shared

0.00

None

71.46K

PIMCO ETF TR

SOLE

ENHAN SHRT MA AC

Shares415.93K

TypeSH

Market value$41.88M

7.16%

Sole

0.00

Shared

0.00

None

415.93K

ISHARES TR

SOLE

CORE S&P500 ETF

Shares61.73K

TypeSH

Market value$41.32M

7.06%

Sole

0.00

Shared

0.00

None

61.73K

SPDR SERIES TRUST

SOLE

PORTFOLIO S&P400

Shares618.08K

TypeSH

Market value$35.35M

6.04%

Sole

0.00

Shared

0.00

None

618.08K

ISHARES TR

SOLE

RUS 1000 GRW ETF

Shares44.02K

TypeSH

Market value$20.62M

3.53%

Sole

0.00

Shared

0.00

None

44.02K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares253.29K

TypeSH

Market value$16.53M

2.83%

Sole

0.00

Shared

0.00

None

253.29K

WORLD GOLD TR

SOLE

SPDR GLD MINIS

Shares133.59K

TypeSH

Market value$10.21M

1.75%

Sole

0.00

Shared

0.00

None

133.59K

SPDR SERIES TRUST

SOLE

SPDR S&P 500 ETF

Shares172.99K

TypeSH

Market value$9.49M

1.62%

Sole

0.00

Shared

0.00

None

172.99K

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares14.47K

TypeSH

Market value$8.69M

1.49%

Sole

0.00

Shared

0.00

None

14.47K

ISHARES TR

SOLE

ESG AWR MSCI USA

Shares49.05K

TypeSH

Market value$7.14M

1.22%

Sole

0.00

Shared

0.00

None

49.05K

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares37.20K

TypeSH

Market value$7.06M

1.21%

Sole

0.00

Shared

0.00

None

37.20K

ISHARES TR

SOLE

RUS 1000 ETF

Shares19.30K

TypeSH

Market value$7.05M

1.21%

Sole

0.00

Shared

0.00

None

19.30K

ISHARES TR

SOLE

RUS 1000 VAL ETF

Shares33.58K

TypeSH

Market value$6.84M

1.17%

Sole

0.00

Shared

0.00

None

33.58K

J P MORGAN EXCHANGE TRADED F

SOLE

MUNICIPAL ETF

Shares131.50K

TypeSH

Market value$6.64M

1.13%

Sole

0.00

Shared

0.00

None

131.50K

SPDR S&P MIDCAP 400 ETF TR

SOLE

UTSER1 S&PDCRP

Shares10.42K

TypeSH

Market value$6.21M

1.06%

Sole

0.00

Shared

0.00

None

10.42K

ISHARES TR

SOLE

MSCI ACWI ETF

Shares39.92K

TypeSH

Market value$5.52M

0.94%

Sole

0.00

Shared

0.00

None

39.92K

APPLE INC

SOLE

COM

Shares21.32K

TypeSH

Market value$5.43M

0.93%

Sole

0.00

Shared

0.00

None

21.32K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED SMALL

Shares138.97K

TypeSH

Market value$5.08M

0.87%

Sole

0.00

Shared

0.00

None

138.97K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares14.39K

TypeSH

Market value$4.23M

0.72%

Sole

0.00

Shared

0.00

None

14.39K

AMAZON COM INC

SOLE

COM

Shares18.49K

TypeSH

Market value$4.06M

0.69%

Sole

0.00

Shared

0.00

None

18.49K

SPDR SERIES TRUST

SOLE

PRTFLO S&P500 GW

Shares34.84K

TypeSH

Market value$3.64M

0.62%

Sole

0.00

Shared

0.00

None

34.84K

SELECT SECTOR SPDR TR

SOLE

TECHNOLOGY

Shares12.21K

TypeSH

Market value$3.44M

0.59%

Sole

0.00

Shared

0.00

None

12.21K

BERKSHIRE HATHAWAY INC DEL

SOLE

CL B NEW

Shares6.76K

TypeSH

Market value$3.40M

0.58%

Sole

0.00

Shared

0.00

None

6.76K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SERIES TRUSTSOLE	PORTFOLIO S&P500	1.66M	SH	$129.91M 22.21%	1.66M
J P MORGAN EXCHANGE TRADED FSOLE	ULTRA SHRT ETF	940.28K	SH	$47.70M 8.16%	940.28K
SPDR S&P 500 ETF TRSOLE	TR UNIT	71.46K	SH	$47.61M 8.14%	71.46K
PIMCO ETF TRSOLE	ENHAN SHRT MA AC	415.93K	SH	$41.88M 7.16%	415.93K
ISHARES TRSOLE	CORE S&P500 ETF	61.73K	SH	$41.32M 7.06%	61.73K
SPDR SERIES TRUSTSOLE	PORTFOLIO S&P400	618.08K	SH	$35.35M 6.04%	618.08K
ISHARES TRSOLE	RUS 1000 GRW ETF	44.02K	SH	$20.62M 3.53%	44.02K
ISHARES TRSOLE	CORE S&P MCP ETF	253.29K	SH	$16.53M 2.83%	253.29K
WORLD GOLD TRSOLE	SPDR GLD MINIS	133.59K	SH	$10.21M 1.75%	133.59K
SPDR SERIES TRUSTSOLE	SPDR S&P 500 ETF	172.99K	SH	$9.49M 1.62%	172.99K
INVESCO QQQ TRSOLE	UNIT SER 1	14.47K	SH	$8.69M 1.49%	14.47K
ISHARES TRSOLE	ESG AWR MSCI USA	49.05K	SH	$7.14M 1.22%	49.05K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	37.20K	SH	$7.06M 1.21%	37.20K
ISHARES TRSOLE	RUS 1000 ETF	19.30K	SH	$7.05M 1.21%	19.30K
ISHARES TRSOLE	RUS 1000 VAL ETF	33.58K	SH	$6.84M 1.17%	33.58K
J P MORGAN EXCHANGE TRADED FSOLE	MUNICIPAL ETF	131.50K	SH	$6.64M 1.13%	131.50K
SPDR S&P MIDCAP 400 ETF TRSOLE	UTSER1 S&PDCRP	10.42K	SH	$6.21M 1.06%	10.42K
ISHARES TRSOLE	MSCI ACWI ETF	39.92K	SH	$5.52M 0.94%	39.92K
APPLE INCSOLE	COM	21.32K	SH	$5.43M 0.93%	21.32K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED SMALL	138.97K	SH	$5.08M 0.87%	138.97K
VANGUARD INDEX FDSSOLE	MID CAP ETF	14.39K	SH	$4.23M 0.72%	14.39K
AMAZON COM INCSOLE	COM	18.49K	SH	$4.06M 0.69%	18.49K
SPDR SERIES TRUSTSOLE	PRTFLO S&P500 GW	34.84K	SH	$3.64M 0.62%	34.84K
SELECT SECTOR SPDR TRSOLE	TECHNOLOGY	12.21K	SH	$3.44M 0.59%	12.21K
BERKSHIRE HATHAWAY INC DELSOLE	CL B NEW	6.76K	SH	$3.40M 0.58%	6.76K

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