Filed: 1/21/2026ACC: 0001957886-26-000005
📋 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 $1.24B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
65
Positions
$1.24B
Total AUM (reported)
10.60M
Total Shares
Allocation by class
VALUE ETF$262.77M21.2%
GROWTH ETF$257.03M20.7%
CORE MSCI EAFE$186.38M15.0%
INTERMED TERM$133.70M10.8%
CORE MSCI EMKT$92.94M7.5%
SM CP VAL ETF$83.38M6.7%
TOTAL INT BD ETF$48.12M3.9%
Portfolio Concentration
Top 3$706.18M56.9%
4–10$450.98M36.3%
11–25$63.04M5.1%
Rest$20.64M1.7%
Top 3 weight
56.9%
Top 10 weight
93.3%
Voting Authority Distribution
Total shares with voting rights: 10.60M
Sole
Full voting authority
0.00
shares
% of voting shares0.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
10.60M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole65
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings65
Rows:
VANGUARD INDEX FDS
SOLEShares1.38M
TypeSH
Market value$262.77M
21.18%
Sole
0.00
Shared
0.00
None
1.38M
VANGUARD INDEX FDS
SOLEShares526.86K
TypeSH
Market value$257.03M
20.71%
Sole
0.00
Shared
0.00
None
526.86K
ISHARES TR
SOLEShares2.08M
TypeSH
Market value$186.38M
15.02%
Sole
0.00
Shared
0.00
None
2.08M
VANGUARD BD INDEX FDS
SOLEShares1.72M
TypeSH
Market value$133.70M
10.77%
Sole
0.00
Shared
0.00
None
1.72M
ISHARES INC
SOLEShares1.38M
TypeSH
Market value$92.94M
7.49%
Sole
0.00
Shared
0.00
None
1.38M
VANGUARD INDEX FDS
SOLEShares393.71K
TypeSH
Market value$83.38M
6.72%
Sole
0.00
Shared
0.00
None
393.71K
VANGUARD CHARLOTTE FDS
SOLEShares995.93K
TypeSH
Market value$48.12M
3.88%
Sole
0.00
Shared
0.00
None
995.93K
ISHARES TR
SOLEShares422.85K
TypeSH
Market value$45.29M
3.65%
Sole
0.00
Shared
0.00
None
422.85K
ISHARES TR
SOLEShares291.36K
TypeSH
Market value$28.05M
2.26%
Sole
0.00
Shared
0.00
None
291.36K
DBX ETF TR
SOLEShares529.16K
TypeSH
Market value$19.49M
1.57%
Sole
0.00
Shared
0.00
None
529.16K
VANGUARD INDEX FDS
SOLEShares62.48K
TypeSH
Market value$18.88M
1.52%
Sole
0.00
Shared
0.00
None
62.48K
VANECK ETF TRUST
SOLEShares144.81K
TypeSH
Market value$7.40M
0.60%
Sole
0.00
Shared
0.00
None
144.81K
VANGUARD MUN BD FDS
SOLEShares111.55K
TypeSH
Market value$5.61M
0.45%
Sole
0.00
Shared
0.00
None
111.55K
SCHWAB STRATEGIC TR
SOLEShares155.87K
TypeSH
Market value$4.62M
0.37%
Sole
0.00
Shared
0.00
None
155.87K
EXXON MOBIL CORP
SOLEShares36.84K
TypeSH
Market value$4.43M
0.36%
Sole
0.00
Shared
0.00
None
36.84K
INVESCO QQQ TR
SOLEShares6.76K
TypeSH
Market value$4.15M
0.33%
Sole
0.00
Shared
0.00
None
6.76K
ISHARES TR
SOLEShares4.39K
TypeSH
Market value$3.01M
0.24%
Sole
0.00
Shared
0.00
None
4.39K
VANGUARD TAX-MANAGED FDS
SOLEShares41.66K
TypeSH
Market value$2.60M
0.21%
Sole
0.00
Shared
0.00
None
41.66K
SPDR SER TR
SOLEShares15.46K
TypeSH
Market value$2.15M
0.17%
Sole
0.00
Shared
0.00
None
15.46K
VANGUARD STAR FDS
SOLEShares26.19K
TypeSH
Market value$1.98M
0.16%
Sole
0.00
Shared
0.00
None
26.19K
APPLE INC
SOLEShares6.47K
TypeSH
Market value$1.76M
0.14%
Sole
0.00
Shared
0.00
None
6.47K
ISHARES TR
SOLEShares14.10K
TypeSH
Market value$1.69M
0.14%
Sole
0.00
Shared
0.00
None
14.10K
SPDR S&P 500 ETF TR
SOLEShares2.48K
TypeSH
Market value$1.69M
0.14%
Sole
0.00
Shared
0.00
None
2.48K
BERKSHIRE HATHAWAY INC DEL
SOLEShares3.28K
TypeSH
Market value$1.65M
0.13%
Sole
0.00
Shared
0.00
None
3.28K
VANGUARD INTL EQUITY INDEX F
SOLEShares26.40K
TypeSH
Market value$1.42M
0.11%
Sole
0.00
Shared
0.00
None
26.40K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | VALUE ETF | 1.38M | SH | $262.77M 21.18% | 0.00 | 0.00 | 1.38M |
VANGUARD INDEX FDSSOLE | GROWTH ETF | 526.86K | SH | $257.03M 20.71% | 0.00 | 0.00 | 526.86K |
ISHARES TRSOLE | CORE MSCI EAFE | 2.08M | SH | $186.38M 15.02% | 0.00 | 0.00 | 2.08M |
VANGUARD BD INDEX FDSSOLE | INTERMED TERM | 1.72M | SH | $133.70M 10.77% | 0.00 | 0.00 | 1.72M |
ISHARES INCSOLE | CORE MSCI EMKT | 1.38M | SH | $92.94M 7.49% | 0.00 | 0.00 | 1.38M |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 393.71K | SH | $83.38M 6.72% | 0.00 | 0.00 | 393.71K |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 995.93K | SH | $48.12M 3.88% | 0.00 | 0.00 | 995.93K |
ISHARES TRSOLE | NATIONAL MUN ETF | 422.85K | SH | $45.29M 3.65% | 0.00 | 0.00 | 422.85K |
ISHARES TRSOLE | JPMORGAN USD EMG | 291.36K | SH | $28.05M 2.26% | 0.00 | 0.00 | 291.36K |
DBX ETF TRSOLE | XTRACK USD HIGH | 529.16K | SH | $19.49M 1.57% | 0.00 | 0.00 | 529.16K |
VANGUARD INDEX FDSSOLE | SML CP GRW ETF | 62.48K | SH | $18.88M 1.52% | 0.00 | 0.00 | 62.48K |
VANECK ETF TRUSTSOLE | HIGH YLD MUNIETF | 144.81K | SH | $7.40M 0.60% | 0.00 | 0.00 | 144.81K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 111.55K | SH | $5.61M 0.45% | 0.00 | 0.00 | 111.55K |
SCHWAB STRATEGIC TRSOLE | US LCAP VA ETF | 155.87K | SH | $4.62M 0.37% | 0.00 | 0.00 | 155.87K |
EXXON MOBIL CORPSOLE | COM | 36.84K | SH | $4.43M 0.36% | 0.00 | 0.00 | 36.84K |
INVESCO QQQ TRSOLE | UNIT SER 1 | 6.76K | SH | $4.15M 0.33% | 0.00 | 0.00 | 6.76K |
ISHARES TRSOLE | CORE S&P500 ETF | 4.39K | SH | $3.01M 0.24% | 0.00 | 0.00 | 4.39K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 41.66K | SH | $2.60M 0.21% | 0.00 | 0.00 | 41.66K |
SPDR SER TRSOLE | S&P DIVID ETF | 15.46K | SH | $2.15M 0.17% | 0.00 | 0.00 | 15.46K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 26.19K | SH | $1.98M 0.16% | 0.00 | 0.00 | 26.19K |
APPLE INCSOLE | COM | 6.47K | SH | $1.76M 0.14% | 0.00 | 0.00 | 6.47K |
ISHARES TRSOLE | CORE S&P SCP ETF | 14.10K | SH | $1.69M 0.14% | 0.00 | 0.00 | 14.10K |
SPDR S&P 500 ETF TRSOLE | TR UNIT | 2.48K | SH | $1.69M 0.14% | 0.00 | 0.00 | 2.48K |
BERKSHIRE HATHAWAY INC DELSOLE | CL B NEW | 3.28K | SH | $1.65M 0.13% | 0.00 | 0.00 | 3.28K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 26.40K | SH | $1.42M 0.11% | 0.00 | 0.00 | 26.40K |
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