RETIREMENT INVESTMENT ADVISORS, INC.

Filed: 10/28/2025ACC: 0001957886-25-000007

📋 What this filing means

RETIREMENT INVESTMENT ADVISORS, INC. filed this quarterly 13F‑HR report disclosing 65 equity positions with a total reported market value of $1.20B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$1.20B

Total AUM (reported)

10.44M

Total Shares

Allocation by class

ETF$1.18B98.3%

STOCK$20.17M1.7%

Portfolio Concentration

Top 3$684.55M56.9%

4–10$437.50M36.4%

11–25$60.49M5.0%

Rest$20.38M1.7%

Top 3 weight

56.9%

Top 10 weight

93.3%

Voting Authority Distribution

Total shares with voting rights: 10.44M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

10.44M

% of voting shares100.0%

Investment Discretion (by position count)

Sole65

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings65

Rows:

Vanguard Growth ETF

SOLE

ETF

Shares528.53K

TypeSH

Market value$253.49M

21.07%

Sole

0.00

Shared

0.00

None

528.53K

Vanguard Value ETF

SOLE

ETF

Shares1.35M

TypeSH

Market value$251.38M

20.90%

Sole

0.00

Shared

0.00

None

1.35M

iShares Core MSCI EAFE ETF

SOLE

ETF

Shares2.06M

TypeSH

Market value$179.68M

14.94%

Sole

0.00

Shared

0.00

None

2.06M

Vanguard Intermediate-Term Bond ETF

SOLE

ETF

Shares1.68M

TypeSH

Market value$131.17M

10.90%

Sole

0.00

Shared

0.00

None

1.68M

iShares Core MSCI Emerging Markets ETF

SOLE

ETF

Shares1.37M

TypeSH

Market value$90.54M

7.53%

Sole

0.00

Shared

0.00

None

1.37M

Vanguard Small-Cap Value ETF

SOLE

ETF

Shares386.05K

TypeSH

Market value$80.57M

6.70%

Sole

0.00

Shared

0.00

None

386.05K

Vanguard Total International Bond ETF

SOLE

ETF

Shares957.02K

TypeSH

Market value$47.33M

3.93%

Sole

0.00

Shared

0.00

None

957.02K

iShares National Muni Bond ETF

SOLE

ETF

Shares392.04K

TypeSH

Market value$41.75M

3.47%

Sole

0.00

Shared

0.00

None

392.04K

iShares J.P. Morgan USD Emerging Markets Bond ETF

SOLE

ETF

Shares282.60K

TypeSH

Market value$26.90M

2.24%

Sole

0.00

Shared

0.00

None

282.60K

Xtrackers USD High Yield Corporate Bond ETF

SOLE

ETF

Shares518.25K

TypeSH

Market value$19.23M

1.60%

Sole

0.00

Shared

0.00

None

518.25K

Vanguard Small-Cap Growth ETF

SOLE

ETF

Shares60.98K

TypeSH

Market value$18.15M

1.51%

Sole

0.00

Shared

0.00

None

60.98K

VanEck High Yield Muni ETF

SOLE

ETF

Shares134.97K

TypeSH

Market value$6.87M

0.57%

Sole

0.00

Shared

0.00

None

134.97K

Vanguard Tax-Exempt Bond Index ETF

SOLE

ETF

Shares97.39K

TypeSH

Market value$4.88M

0.41%

Sole

0.00

Shared

0.00

None

97.39K

Schwab U.S. Large-Cap Value ETF

SOLE

ETF

Shares144.54K

TypeSH

Market value$4.21M

0.35%

Sole

0.00

Shared

0.00

None

144.54K

Invesco QQQ Trust Series 1

SOLE

ETF

Shares6.96K

TypeSH

Market value$4.18M

0.35%

Sole

0.00

Shared

0.00

None

6.96K

Exxon Mobil Corp

SOLE

STOCK

Shares36.84K

TypeSH

Market value$4.15M

0.35%

Sole

0.00

Shared

0.00

None

36.84K

iShares Core S&P 500 ETF

SOLE

ETF

Shares4.35K

TypeSH

Market value$2.91M

0.24%

Sole

0.00

Shared

0.00

None

4.35K

Vanguard FTSE Developed Markets ETF

SOLE

ETF

Shares42.21K

TypeSH

Market value$2.53M

0.21%

Sole

0.00

Shared

0.00

None

42.21K

SPDR S&P Dividend ETF

SOLE

ETF

Shares16.33K

TypeSH

Market value$2.29M

0.19%

Sole

0.00

Shared

0.00

None

16.33K

Vanguard Total International Stock ETF

SOLE

ETF

Shares27.20K

TypeSH

Market value$2.00M

0.17%

Sole

0.00

Shared

0.00

None

27.20K

NVIDIA Corp

SOLE

STOCK

Shares9.36K

TypeSH

Market value$1.75M

0.15%

Sole

0.00

Shared

0.00

None

9.36K

iShares Core S&P Small-Cap ETF

SOLE

ETF

Shares14.66K

TypeSH

Market value$1.74M

0.14%

Sole

0.00

Shared

0.00

None

14.66K

Apple Inc

SOLE

STOCK

Shares6.50K

TypeSH

Market value$1.66M

0.14%

Sole

0.00

Shared

0.00

None

6.50K

SPDR S&P 500 ETF Trust

SOLE

ETF

Shares2.42K

TypeSH

Market value$1.61M

0.13%

Sole

0.00

Shared

0.00

None

2.42K

Berkshire Hathaway Inc

SOLE

STOCK

Shares3.14K

TypeSH

Market value$1.58M

0.13%

Sole

0.00

Shared

0.00

None

3.14K

Issuer	Class	Shares	Type	Value / Portfolio %	None
Vanguard Growth ETFSOLE	ETF	528.53K	SH	$253.49M 21.07%	528.53K
Vanguard Value ETFSOLE	ETF	1.35M	SH	$251.38M 20.90%	1.35M
iShares Core MSCI EAFE ETFSOLE	ETF	2.06M	SH	$179.68M 14.94%	2.06M
Vanguard Intermediate-Term Bond ETFSOLE	ETF	1.68M	SH	$131.17M 10.90%	1.68M
iShares Core MSCI Emerging Markets ETFSOLE	ETF	1.37M	SH	$90.54M 7.53%	1.37M
Vanguard Small-Cap Value ETFSOLE	ETF	386.05K	SH	$80.57M 6.70%	386.05K
Vanguard Total International Bond ETFSOLE	ETF	957.02K	SH	$47.33M 3.93%	957.02K
iShares National Muni Bond ETFSOLE	ETF	392.04K	SH	$41.75M 3.47%	392.04K
iShares J.P. Morgan USD Emerging Markets Bond ETFSOLE	ETF	282.60K	SH	$26.90M 2.24%	282.60K
Xtrackers USD High Yield Corporate Bond ETFSOLE	ETF	518.25K	SH	$19.23M 1.60%	518.25K
Vanguard Small-Cap Growth ETFSOLE	ETF	60.98K	SH	$18.15M 1.51%	60.98K
VanEck High Yield Muni ETFSOLE	ETF	134.97K	SH	$6.87M 0.57%	134.97K
Vanguard Tax-Exempt Bond Index ETFSOLE	ETF	97.39K	SH	$4.88M 0.41%	97.39K
Schwab U.S. Large-Cap Value ETFSOLE	ETF	144.54K	SH	$4.21M 0.35%	144.54K
Invesco QQQ Trust Series 1SOLE	ETF	6.96K	SH	$4.18M 0.35%	6.96K
Exxon Mobil CorpSOLE	STOCK	36.84K	SH	$4.15M 0.35%	36.84K
iShares Core S&P 500 ETFSOLE	ETF	4.35K	SH	$2.91M 0.24%	4.35K
Vanguard FTSE Developed Markets ETFSOLE	ETF	42.21K	SH	$2.53M 0.21%	42.21K
SPDR S&P Dividend ETFSOLE	ETF	16.33K	SH	$2.29M 0.19%	16.33K
Vanguard Total International Stock ETFSOLE	ETF	27.20K	SH	$2.00M 0.17%	27.20K
NVIDIA CorpSOLE	STOCK	9.36K	SH	$1.75M 0.15%	9.36K
iShares Core S&P Small-Cap ETFSOLE	ETF	14.66K	SH	$1.74M 0.14%	14.66K
Apple IncSOLE	STOCK	6.50K	SH	$1.66M 0.14%	6.50K
SPDR S&P 500 ETF TrustSOLE	ETF	2.42K	SH	$1.61M 0.13%	2.42K
Berkshire Hathaway IncSOLE	STOCK	3.14K	SH	$1.58M 0.13%	3.14K

Page 1 of 3