RETIREMENT INVESTMENT ADVISORS, INC.

Filed: 2/12/2025ACC: 0001957886-25-000001

📋 What this filing means

RETIREMENT INVESTMENT ADVISORS, INC. filed this quarterly 13F‑HR report disclosing 62 equity positions with a total reported market value of $948.31M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$948.31M

Total AUM (reported)

9.15M

Total Shares

Allocation by class

ETF$929.66M98.0%

STOCK$18.64M2.0%

Portfolio Concentration

Top 3$534.32M56.3%

4–10$345.76M36.5%

11–25$51.49M5.4%

Rest$16.73M1.8%

Top 3 weight

56.3%

Top 10 weight

92.8%

Voting Authority Distribution

Total shares with voting rights: 9.15M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

9.15M

% of voting shares100.0%

Investment Discretion (by position count)

Sole62

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings62

Rows:

Vanguard Growth ETF

SOLE

ETF

Shares498.17K

TypeSH

Market value$204.47M

21.56%

Sole

0.00

Shared

0.00

None

498.17K

Vanguard Value ETF

SOLE

ETF

Shares1.19M

TypeSH

Market value$201.86M

21.29%

Sole

0.00

Shared

0.00

None

1.19M

iShares Core MSCI EAFE ETF

SOLE

ETF

Shares1.82M

TypeSH

Market value$128.00M

13.50%

Sole

0.00

Shared

0.00

None

1.82M

Vanguard Intermediate-Term Bond ETF

SOLE

ETF

Shares1.44M

TypeSH

Market value$107.52M

11.34%

Sole

0.00

Shared

0.00

None

1.44M

Vanguard Small-Cap Value ETF

SOLE

ETF

Shares334.89K

TypeSH

Market value$66.37M

7.00%

Sole

0.00

Shared

0.00

None

334.89K

iShares Core MSCI Emerging Markets ETF

SOLE

ETF

Shares1.21M

TypeSH

Market value$63.12M

6.66%

Sole

0.00

Shared

0.00

None

1.21M

Vanguard Total International Bond ETF

SOLE

ETF

Shares800.55K

TypeSH

Market value$39.27M

4.14%

Sole

0.00

Shared

0.00

None

800.55K

iShares National Muni Bond ETF

SOLE

ETF

Shares295.16K

TypeSH

Market value$31.45M

3.32%

Sole

0.00

Shared

0.00

None

295.16K

iShares J.P. Morgan USD Emerging Markets Bond ETF

SOLE

ETF

Shares242.61K

TypeSH

Market value$21.60M

2.28%

Sole

0.00

Shared

0.00

None

242.61K

Xtrackers USD High Yield Corporate Bond ETF

SOLE

ETF

Shares455.50K

TypeSH

Market value$16.43M

1.73%

Sole

0.00

Shared

0.00

None

455.50K

Vanguard Small-Cap Growth ETF

SOLE

ETF

Shares56.56K

TypeSH

Market value$15.84M

1.67%

Sole

0.00

Shared

0.00

None

56.56K

VanEck High Yield Muni ETF

SOLE

ETF

Shares101.67K

TypeSH

Market value$5.28M

0.56%

Sole

0.00

Shared

0.00

None

101.67K

Vanguard Tax-Exempt Bond Index ETF

SOLE

ETF

Shares95.42K

TypeSH

Market value$4.78M

0.50%

Sole

0.00

Shared

0.00

None

95.42K

Exxon Mobil Corp

SOLE

STOCK

Shares35.71K

TypeSH

Market value$3.84M

0.41%

Sole

0.00

Shared

0.00

None

35.71K

Schwab U.S. Large-Cap Value ETF

SOLE

ETF

Shares141.88K

TypeSH

Market value$3.70M

0.39%

Sole

0.00

Shared

0.00

None

141.88K

Invesco QQQ Trust Series 1

SOLE

ETF

Shares7.12K

TypeSH

Market value$3.64M

0.38%

Sole

0.00

Shared

0.00

None

7.12K

SPDR S&P Dividend ETF

SOLE

ETF

Shares16.43K

TypeSH

Market value$2.17M

0.23%

Sole

0.00

Shared

0.00

None

16.43K

iShares Core S&P Small-Cap ETF

SOLE

ETF

Shares14.91K

TypeSH

Market value$1.72M

0.18%

Sole

0.00

Shared

0.00

None

14.91K

Vanguard FTSE Developed Markets ETF

SOLE

ETF

Shares35.72K

TypeSH

Market value$1.71M

0.18%

Sole

0.00

Shared

0.00

None

35.72K

Vanguard Total International Stock ETF

SOLE

ETF

Shares27.52K

TypeSH

Market value$1.62M

0.17%

Sole

0.00

Shared

0.00

None

27.52K

Apple Inc

SOLE

STOCK

Shares6.42K

TypeSH

Market value$1.61M

0.17%

Sole

0.00

Shared

0.00

None

6.42K

ONEOK Inc

SOLE

STOCK

Shares14.34K

TypeSH

Market value$1.44M

0.15%

Sole

0.00

Shared

0.00

None

14.34K

NVIDIA Corp

SOLE

STOCK

Shares10.55K

TypeSH

Market value$1.42M

0.15%

Sole

0.00

Shared

0.00

None

10.55K

Berkshire Hathaway Inc

SOLE

STOCK

Shares3.04K

TypeSH

Market value$1.38M

0.15%

Sole

0.00

Shared

0.00

None

3.04K

Vanguard Short-Term Corporate Bond ETF

SOLE

ETF

Shares17.26K

TypeSH

Market value$1.35M

0.14%

Sole

0.00

Shared

0.00

None

17.26K

Issuer	Class	Shares	Type	Value / Portfolio %	None
Vanguard Growth ETFSOLE	ETF	498.17K	SH	$204.47M 21.56%	498.17K
Vanguard Value ETFSOLE	ETF	1.19M	SH	$201.86M 21.29%	1.19M
iShares Core MSCI EAFE ETFSOLE	ETF	1.82M	SH	$128.00M 13.50%	1.82M
Vanguard Intermediate-Term Bond ETFSOLE	ETF	1.44M	SH	$107.52M 11.34%	1.44M
Vanguard Small-Cap Value ETFSOLE	ETF	334.89K	SH	$66.37M 7.00%	334.89K
iShares Core MSCI Emerging Markets ETFSOLE	ETF	1.21M	SH	$63.12M 6.66%	1.21M
Vanguard Total International Bond ETFSOLE	ETF	800.55K	SH	$39.27M 4.14%	800.55K
iShares National Muni Bond ETFSOLE	ETF	295.16K	SH	$31.45M 3.32%	295.16K
iShares J.P. Morgan USD Emerging Markets Bond ETFSOLE	ETF	242.61K	SH	$21.60M 2.28%	242.61K
Xtrackers USD High Yield Corporate Bond ETFSOLE	ETF	455.50K	SH	$16.43M 1.73%	455.50K
Vanguard Small-Cap Growth ETFSOLE	ETF	56.56K	SH	$15.84M 1.67%	56.56K
VanEck High Yield Muni ETFSOLE	ETF	101.67K	SH	$5.28M 0.56%	101.67K
Vanguard Tax-Exempt Bond Index ETFSOLE	ETF	95.42K	SH	$4.78M 0.50%	95.42K
Exxon Mobil CorpSOLE	STOCK	35.71K	SH	$3.84M 0.41%	35.71K
Schwab U.S. Large-Cap Value ETFSOLE	ETF	141.88K	SH	$3.70M 0.39%	141.88K
Invesco QQQ Trust Series 1SOLE	ETF	7.12K	SH	$3.64M 0.38%	7.12K
SPDR S&P Dividend ETFSOLE	ETF	16.43K	SH	$2.17M 0.23%	16.43K
iShares Core S&P Small-Cap ETFSOLE	ETF	14.91K	SH	$1.72M 0.18%	14.91K
Vanguard FTSE Developed Markets ETFSOLE	ETF	35.72K	SH	$1.71M 0.18%	35.72K
Vanguard Total International Stock ETFSOLE	ETF	27.52K	SH	$1.62M 0.17%	27.52K
Apple IncSOLE	STOCK	6.42K	SH	$1.61M 0.17%	6.42K
ONEOK IncSOLE	STOCK	14.34K	SH	$1.44M 0.15%	14.34K
NVIDIA CorpSOLE	STOCK	10.55K	SH	$1.42M 0.15%	10.55K
Berkshire Hathaway IncSOLE	STOCK	3.04K	SH	$1.38M 0.15%	3.04K
Vanguard Short-Term Corporate Bond ETFSOLE	ETF	17.26K	SH	$1.35M 0.14%	17.26K

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