Filed: 4/15/2026ACC: 0001957886-26-000006
📋 What this filing means
RETIREMENT INVESTMENT ADVISORS, INC. filed this quarterly 13F‑HR report disclosing 67 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.
67
Positions
$1.24B
Total AUM (reported)
10.62M
Total Shares
Allocation by class
VALUE ETF$262.77M21.2%
GROWTH ETF$257.05M20.7%
CORE MSCI EAFE$186.57M15.0%
INTERMED TERM$133.70M10.8%
CORE MSCI EMKT$93.07M7.5%
SM CP VAL ETF$83.44M6.7%
TOTAL INT BD ETF$48.12M3.9%
Portfolio Concentration
Top 3$706.40M56.9%
4–10$451.30M36.3%
11–25$63.30M5.1%
Rest$21.35M1.7%
Top 3 weight
56.9%
Top 10 weight
93.2%
Voting Authority Distribution
Total shares with voting rights: 10.62M
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
10.62M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole67
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings67
Rows:
VANGUARD INDEX FDS
SOLEShares1.38M
TypeSH
Market value$262.77M
21.15%
Sole
0.00
Shared
0.00
None
1.38M
VANGUARD INDEX FDS
SOLEShares526.89K
TypeSH
Market value$257.05M
20.69%
Sole
0.00
Shared
0.00
None
526.89K
ISHARES TR
SOLEShares2.09M
TypeSH
Market value$186.57M
15.02%
Sole
0.00
Shared
0.00
None
2.09M
VANGUARD BD INDEX FDS
SOLEShares1.72M
TypeSH
Market value$133.70M
10.76%
Sole
0.00
Shared
0.00
None
1.72M
ISHARES INC
SOLEShares1.38M
TypeSH
Market value$93.07M
7.49%
Sole
0.00
Shared
0.00
None
1.38M
VANGUARD INDEX FDS
SOLEShares393.96K
TypeSH
Market value$83.44M
6.72%
Sole
0.00
Shared
0.00
None
393.96K
VANGUARD CHARLOTTE FDS
SOLEShares995.93K
TypeSH
Market value$48.12M
3.87%
Sole
0.00
Shared
0.00
None
995.93K
ISHARES TR
SOLEShares424.10K
TypeSH
Market value$45.43M
3.66%
Sole
0.00
Shared
0.00
None
424.10K
ISHARES TR
SOLEShares291.42K
TypeSH
Market value$28.06M
2.26%
Sole
0.00
Shared
0.00
None
291.42K
DBX ETF TR
SOLEShares529.16K
TypeSH
Market value$19.49M
1.57%
Sole
0.00
Shared
0.00
None
529.16K
VANGUARD INDEX FDS
SOLEShares62.61K
TypeSH
Market value$18.92M
1.52%
Sole
0.00
Shared
0.00
None
62.61K
VANECK ETF TRUST
SOLEShares147.40K
TypeSH
Market value$7.53M
0.61%
Sole
0.00
Shared
0.00
None
147.40K
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
SOLEShares6.79K
TypeSH
Market value$4.17M
0.34%
Sole
0.00
Shared
0.00
None
6.79K
ISHARES TR
SOLEShares4.39K
TypeSH
Market value$3.01M
0.24%
Sole
0.00
Shared
0.00
None
4.39K
VANGUARD TAX-MANAGED FDS
SOLEShares42.49K
TypeSH
Market value$2.65M
0.21%
Sole
0.00
Shared
0.00
None
42.49K
BLACKROCK ETF TRUST
SOLEShares15.50K
TypeSH
Market value$2.16M
0.17%
Sole
0.00
Shared
0.00
None
15.50K
VANGUARD STAR FDS
SOLEShares26.24K
TypeSH
Market value$1.98M
0.16%
Sole
0.00
Shared
0.00
None
26.24K
APPLE INC
SOLEShares6.47K
TypeSH
Market value$1.76M
0.14%
Sole
0.00
Shared
0.00
None
6.47K
ISHARES TR
SOLEShares14.16K
TypeSH
Market value$1.70M
0.14%
Sole
0.00
Shared
0.00
None
14.16K
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
SOLEShares26.43K
TypeSH
Market value$1.42M
0.11%
Sole
0.00
Shared
0.00
None
26.43K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | VALUE ETF | 1.38M | SH | $262.77M 21.15% | 0.00 | 0.00 | 1.38M |
VANGUARD INDEX FDSSOLE | GROWTH ETF | 526.89K | SH | $257.05M 20.69% | 0.00 | 0.00 | 526.89K |
ISHARES TRSOLE | CORE MSCI EAFE | 2.09M | SH | $186.57M 15.02% | 0.00 | 0.00 | 2.09M |
VANGUARD BD INDEX FDSSOLE | INTERMED TERM | 1.72M | SH | $133.70M 10.76% | 0.00 | 0.00 | 1.72M |
ISHARES INCSOLE | CORE MSCI EMKT | 1.38M | SH | $93.07M 7.49% | 0.00 | 0.00 | 1.38M |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 393.96K | SH | $83.44M 6.72% | 0.00 | 0.00 | 393.96K |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 995.93K | SH | $48.12M 3.87% | 0.00 | 0.00 | 995.93K |
ISHARES TRSOLE | NATIONAL MUN ETF | 424.10K | SH | $45.43M 3.66% | 0.00 | 0.00 | 424.10K |
ISHARES TRSOLE | JPMORGAN USD EMG | 291.42K | SH | $28.06M 2.26% | 0.00 | 0.00 | 291.42K |
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 | 62.61K | SH | $18.92M 1.52% | 0.00 | 0.00 | 62.61K |
VANECK ETF TRUSTSOLE | HIGH YLD MUNIETF | 147.40K | SH | $7.53M 0.61% | 0.00 | 0.00 | 147.40K |
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 | 6.79K | SH | $4.17M 0.34% | 0.00 | 0.00 | 6.79K |
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 | 42.49K | SH | $2.65M 0.21% | 0.00 | 0.00 | 42.49K |
BLACKROCK ETF TRUSTSOLE | I Shares | 15.50K | SH | $2.16M 0.17% | 0.00 | 0.00 | 15.50K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 26.24K | SH | $1.98M 0.16% | 0.00 | 0.00 | 26.24K |
APPLE INCSOLE | COM | 6.47K | SH | $1.76M 0.14% | 0.00 | 0.00 | 6.47K |
ISHARES TRSOLE | CORE S&P SCP ETF | 14.16K | SH | $1.70M 0.14% | 0.00 | 0.00 | 14.16K |
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 | 26.43K | SH | $1.42M 0.11% | 0.00 | 0.00 | 26.43K |
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