RETIREMENT INVESTMENT ADVISORS, INC.

Filed: 5/13/2025ACC: 0001957886-25-000003

📋 What this filing means

RETIREMENT INVESTMENT ADVISORS, INC. filed this quarterly 13F‑HR report disclosing 60 equity positions with a total reported market value of $987.73M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$987.73M

Total AUM (reported)

9.70M

Total Shares

Allocation by class

ETF$969.72M98.2%

STOCK$18.01M1.8%

Portfolio Concentration

Top 3$549.46M55.6%

4–10$371.84M37.6%

11–25$50.71M5.1%

Rest$15.71M1.6%

Top 3 weight

55.6%

Top 10 weight

93.3%

Voting Authority Distribution

Total shares with voting rights: 9.70M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

9.70M

% of voting shares100.0%

Investment Discretion (by position count)

Sole60

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings60

Rows:

Vanguard Value ETF

SOLE

ETF

Shares1.25M

TypeSH

Market value$215.40M

21.81%

Sole

0.00

Shared

0.00

None

1.25M

Vanguard Growth ETF

SOLE

ETF

Shares504.34K

TypeSH

Market value$187.02M

18.93%

Sole

0.00

Shared

0.00

None

504.34K

iShares Core MSCI EAFE ETF

SOLE

ETF

Shares1.94M

TypeSH

Market value$147.05M

14.89%

Sole

0.00

Shared

0.00

None

1.94M

Vanguard Intermediate-Term Bond ETF

SOLE

ETF

Shares1.56M

TypeSH

Market value$119.54M

12.10%

Sole

0.00

Shared

0.00

None

1.56M

iShares Core MSCI Emerging Markets ETF

SOLE

ETF

Shares1.29M

TypeSH

Market value$69.75M

7.06%

Sole

0.00

Shared

0.00

None

1.29M

Vanguard Small-Cap Value ETF

SOLE

ETF

Shares354.10K

TypeSH

Market value$65.97M

6.68%

Sole

0.00

Shared

0.00

None

354.10K

Vanguard Total International Bond ETF

SOLE

ETF

Shares866.56K

TypeSH

Market value$42.31M

4.28%

Sole

0.00

Shared

0.00

None

866.56K

iShares National Muni Bond ETF

SOLE

ETF

Shares317.81K

TypeSH

Market value$33.51M

3.39%

Sole

0.00

Shared

0.00

None

317.81K

iShares J.P. Morgan USD Emerging Markets Bond ETF

SOLE

ETF

Shares257.53K

TypeSH

Market value$23.33M

2.36%

Sole

0.00

Shared

0.00

None

257.53K

Xtrackers USD High Yield Corporate Bond ETF

SOLE

ETF

Shares482.25K

TypeSH

Market value$17.43M

1.76%

Sole

0.00

Shared

0.00

None

482.25K

Vanguard Small-Cap Growth ETF

SOLE

ETF

Shares58.47K

TypeSH

Market value$14.72M

1.49%

Sole

0.00

Shared

0.00

None

58.47K

VanEck High Yield Muni ETF

SOLE

ETF

Shares109.18K

TypeSH

Market value$5.59M

0.57%

Sole

0.00

Shared

0.00

None

109.18K

Vanguard Tax-Exempt Bond Index ETF

SOLE

ETF

Shares95.30K

TypeSH

Market value$4.73M

0.48%

Sole

0.00

Shared

0.00

None

95.30K

Exxon Mobil Corp

SOLE

STOCK

Shares35.40K

TypeSH

Market value$4.21M

0.43%

Sole

0.00

Shared

0.00

None

35.40K

Schwab U.S. Large-Cap Value ETF

SOLE

ETF

Shares144.22K

TypeSH

Market value$3.83M

0.39%

Sole

0.00

Shared

0.00

None

144.22K

Invesco QQQ Trust Series 1

SOLE

ETF

Shares7.01K

TypeSH

Market value$3.29M

0.33%

Sole

0.00

Shared

0.00

None

7.01K

SPDR S&P Dividend ETF

SOLE

ETF

Shares16.27K

TypeSH

Market value$2.21M

0.22%

Sole

0.00

Shared

0.00

None

16.27K

Vanguard FTSE Developed Markets ETF

SOLE

ETF

Shares35.65K

TypeSH

Market value$1.81M

0.18%

Sole

0.00

Shared

0.00

None

35.65K

Vanguard Total International Stock ETF

SOLE

ETF

Shares27.52K

TypeSH

Market value$1.71M

0.17%

Sole

0.00

Shared

0.00

None

27.52K

Berkshire Hathaway Inc

SOLE

STOCK

Shares3.04K

TypeSH

Market value$1.62M

0.16%

Sole

0.00

Shared

0.00

None

3.04K

iShares Core S&P Small-Cap ETF

SOLE

ETF

Shares14.91K

TypeSH

Market value$1.56M

0.16%

Sole

0.00

Shared

0.00

None

14.91K

ONEOK Inc

SOLE

STOCK

Shares14.34K

TypeSH

Market value$1.42M

0.14%

Sole

0.00

Shared

0.00

None

14.34K

Apple Inc

SOLE

STOCK

Shares6.38K

TypeSH

Market value$1.42M

0.14%

Sole

0.00

Shared

0.00

None

6.38K

Vanguard Short-Term Corporate Bond ETF

SOLE

ETF

Shares17.18K

TypeSH

Market value$1.36M

0.14%

Sole

0.00

Shared

0.00

None

17.18K

Vanguard FTSE Emerging Markets ETF

SOLE

ETF

Shares27.38K

TypeSH

Market value$1.24M

0.13%

Sole

0.00

Shared

0.00

None

27.38K

Issuer	Class	Shares	Type	Value / Portfolio %	None
Vanguard Value ETFSOLE	ETF	1.25M	SH	$215.40M 21.81%	1.25M
Vanguard Growth ETFSOLE	ETF	504.34K	SH	$187.02M 18.93%	504.34K
iShares Core MSCI EAFE ETFSOLE	ETF	1.94M	SH	$147.05M 14.89%	1.94M
Vanguard Intermediate-Term Bond ETFSOLE	ETF	1.56M	SH	$119.54M 12.10%	1.56M
iShares Core MSCI Emerging Markets ETFSOLE	ETF	1.29M	SH	$69.75M 7.06%	1.29M
Vanguard Small-Cap Value ETFSOLE	ETF	354.10K	SH	$65.97M 6.68%	354.10K
Vanguard Total International Bond ETFSOLE	ETF	866.56K	SH	$42.31M 4.28%	866.56K
iShares National Muni Bond ETFSOLE	ETF	317.81K	SH	$33.51M 3.39%	317.81K
iShares J.P. Morgan USD Emerging Markets Bond ETFSOLE	ETF	257.53K	SH	$23.33M 2.36%	257.53K
Xtrackers USD High Yield Corporate Bond ETFSOLE	ETF	482.25K	SH	$17.43M 1.76%	482.25K
Vanguard Small-Cap Growth ETFSOLE	ETF	58.47K	SH	$14.72M 1.49%	58.47K
VanEck High Yield Muni ETFSOLE	ETF	109.18K	SH	$5.59M 0.57%	109.18K
Vanguard Tax-Exempt Bond Index ETFSOLE	ETF	95.30K	SH	$4.73M 0.48%	95.30K
Exxon Mobil CorpSOLE	STOCK	35.40K	SH	$4.21M 0.43%	35.40K
Schwab U.S. Large-Cap Value ETFSOLE	ETF	144.22K	SH	$3.83M 0.39%	144.22K
Invesco QQQ Trust Series 1SOLE	ETF	7.01K	SH	$3.29M 0.33%	7.01K
SPDR S&P Dividend ETFSOLE	ETF	16.27K	SH	$2.21M 0.22%	16.27K
Vanguard FTSE Developed Markets ETFSOLE	ETF	35.65K	SH	$1.81M 0.18%	35.65K
Vanguard Total International Stock ETFSOLE	ETF	27.52K	SH	$1.71M 0.17%	27.52K
Berkshire Hathaway IncSOLE	STOCK	3.04K	SH	$1.62M 0.16%	3.04K
iShares Core S&P Small-Cap ETFSOLE	ETF	14.91K	SH	$1.56M 0.16%	14.91K
ONEOK IncSOLE	STOCK	14.34K	SH	$1.42M 0.14%	14.34K
Apple IncSOLE	STOCK	6.38K	SH	$1.42M 0.14%	6.38K
Vanguard Short-Term Corporate Bond ETFSOLE	ETF	17.18K	SH	$1.36M 0.14%	17.18K
Vanguard FTSE Emerging Markets ETFSOLE	ETF	27.38K	SH	$1.24M 0.13%	27.38K

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