Filed: 7/15/2026ACC: 0001957886-26-000007
📋 What this filing means
RETIREMENT INVESTMENT ADVISORS, INC. filed this quarterly 13F‑HR report disclosing 66 equity positions with a total reported market value of $1.40B. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
66
Positions
$1.40B
Total AUM (reported)
13.98M
Total Shares
Allocation by class
VALUE ETF$311.98M22.2%
GROWTH ETF$286.63M20.4%
CORE MSCI EAFE$206.27M14.7%
INTERMED TERM$138.22M9.9%
CORE MSCI EMKT$108.57M7.7%
SM CP VAL ETF$96.33M6.9%
NATIONAL MUN ETF$58.05M4.1%
Portfolio Concentration
Top 3$804.89M57.4%
4–10$506.77M36.1%
11–25$67.83M4.8%
Rest$23.10M1.6%
Top 3 weight
57.4%
Top 10 weight
93.5%
Voting Authority Distribution
Total shares with voting rights: 13.98M
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
13.98M
shares
% of voting shares100.0%
Investment Discretion (by position count)
Sole66
Shared0
Other0
Dominant voting typeNone · 100.0% of voting shares
Institutional Holdings66
Rows:
VANGUARD INDEX FDS
SOLEShares1.42M
TypeSH
Market value$311.98M
22.24%
Sole
0.00
Shared
0.00
None
1.42M
VANGUARD INDEX FDS
SOLEShares3.33M
TypeSH
Market value$286.63M
20.44%
Sole
0.00
Shared
0.00
None
3.33M
ISHARES TR
SOLEShares2.15M
TypeSH
Market value$206.27M
14.71%
Sole
0.00
Shared
0.00
None
2.15M
VANGUARD BD INDEX FDS
SOLEShares1.83M
TypeSH
Market value$138.22M
9.85%
Sole
0.00
Shared
0.00
None
1.83M
ISHARES INC
SOLEShares1.38M
TypeSH
Market value$108.57M
7.74%
Sole
0.00
Shared
0.00
None
1.38M
VANGUARD INDEX FDS
SOLEShares398.42K
TypeSH
Market value$96.33M
6.87%
Sole
0.00
Shared
0.00
None
398.42K
ISHARES TR
SOLEShares543.02K
TypeSH
Market value$58.05M
4.14%
Sole
0.00
Shared
0.00
None
543.02K
VANGUARD CHARLOTTE FDS
SOLEShares1.06M
TypeSH
Market value$50.96M
3.63%
Sole
0.00
Shared
0.00
None
1.06M
BLACKROCK ETF TRUST
SOLEShares308.52K
TypeSH
Market value$29.43M
2.10%
Sole
0.00
Shared
0.00
None
308.52K
VANGUARD INDEX FDS
SOLEShares72.22K
TypeSH
Market value$25.22M
1.80%
Sole
0.00
Shared
0.00
None
72.22K
DBX ETF TR
SOLEShares550.45K
TypeSH
Market value$19.96M
1.42%
Sole
0.00
Shared
0.00
None
550.45K
VANECK ETF TRUST
SOLEShares169.82K
TypeSH
Market value$8.69M
0.62%
Sole
0.00
Shared
0.00
None
169.82K
SCHWAB STRATEGIC TR
SOLEShares187.44K
TypeSH
Market value$6.41M
0.46%
Sole
0.00
Shared
0.00
None
187.44K
VANGUARD MUN BD FDS
SOLEShares106.54K
TypeSH
Market value$5.36M
0.38%
Sole
0.00
Shared
0.00
None
106.54K
INVESCO QQQ TR
SOLEShares6.55K
TypeSH
Market value$4.66M
0.33%
Sole
0.00
Shared
0.00
None
6.55K
VANGUARD TAX-MANAGED FDS
SOLEShares55.06K
TypeSH
Market value$3.84M
0.27%
Sole
0.00
Shared
0.00
None
55.06K
ISHARES TR
SOLEShares4.52K
TypeSH
Market value$3.40M
0.24%
Sole
0.00
Shared
0.00
None
4.52K
SPDR SER TR
SOLEShares15.25K
TypeSH
Market value$2.36M
0.17%
Sole
0.00
Shared
0.00
None
15.25K
VANGUARD STAR FDS
SOLEShares26.10K
TypeSH
Market value$2.19M
0.16%
Sole
0.00
Shared
0.00
None
26.10K
APPLE INC
SOLEShares6.70K
TypeSH
Market value$2.13M
0.15%
Sole
0.00
Shared
0.00
None
6.70K
ISHARES TR
SOLEShares14.16K
TypeSH
Market value$2.05M
0.15%
Sole
0.00
Shared
0.00
None
14.16K
VANGUARD INTL EQUITY INDEX F
SOLEShares32.95K
TypeSH
Market value$1.94M
0.14%
Sole
0.00
Shared
0.00
None
32.95K
SPDR S&P 500 ETF TR
SOLEShares2.39K
TypeSH
Market value$1.79M
0.13%
Sole
0.00
Shared
0.00
None
2.39K
BERKSHIRE HATHAWAY INC DEL
SOLEShares3.18K
TypeSH
Market value$1.58M
0.11%
Sole
0.00
Shared
0.00
None
3.18K
SEI EXCHANGE TRADED FUNDS
SOLEShares59.53K
TypeSH
Market value$1.48M
0.11%
Sole
0.00
Shared
0.00
None
59.53K
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | VALUE ETF | 1.42M | SH | $311.98M 22.24% | 0.00 | 0.00 | 1.42M |
VANGUARD INDEX FDSSOLE | GROWTH ETF | 3.33M | SH | $286.63M 20.44% | 0.00 | 0.00 | 3.33M |
ISHARES TRSOLE | CORE MSCI EAFE | 2.15M | SH | $206.27M 14.71% | 0.00 | 0.00 | 2.15M |
VANGUARD BD INDEX FDSSOLE | INTERMED TERM | 1.83M | SH | $138.22M 9.85% | 0.00 | 0.00 | 1.83M |
ISHARES INCSOLE | CORE MSCI EMKT | 1.38M | SH | $108.57M 7.74% | 0.00 | 0.00 | 1.38M |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 398.42K | SH | $96.33M 6.87% | 0.00 | 0.00 | 398.42K |
ISHARES TRSOLE | NATIONAL MUN ETF | 543.02K | SH | $58.05M 4.14% | 0.00 | 0.00 | 543.02K |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 1.06M | SH | $50.96M 3.63% | 0.00 | 0.00 | 1.06M |
BLACKROCK ETF TRUSTSOLE | I Shares | 308.52K | SH | $29.43M 2.10% | 0.00 | 0.00 | 308.52K |
VANGUARD INDEX FDSSOLE | SML CP GRW ETF | 72.22K | SH | $25.22M 1.80% | 0.00 | 0.00 | 72.22K |
DBX ETF TRSOLE | XTRACK USD HIGH | 550.45K | SH | $19.96M 1.42% | 0.00 | 0.00 | 550.45K |
VANECK ETF TRUSTSOLE | HIGH YLD MUNIETF | 169.82K | SH | $8.69M 0.62% | 0.00 | 0.00 | 169.82K |
SCHWAB STRATEGIC TRSOLE | US LCAP VA ETF | 187.44K | SH | $6.41M 0.46% | 0.00 | 0.00 | 187.44K |
VANGUARD MUN BD FDSSOLE | TAX EXEMPT BD | 106.54K | SH | $5.36M 0.38% | 0.00 | 0.00 | 106.54K |
INVESCO QQQ TRSOLE | UNIT SER 1 | 6.55K | SH | $4.66M 0.33% | 0.00 | 0.00 | 6.55K |
VANGUARD TAX-MANAGED FDSSOLE | VAN FTSE DEV MKT | 55.06K | SH | $3.84M 0.27% | 0.00 | 0.00 | 55.06K |
ISHARES TRSOLE | CORE S&P500 ETF | 4.52K | SH | $3.40M 0.24% | 0.00 | 0.00 | 4.52K |
SPDR SER TRSOLE | S&P DIVID ETF | 15.25K | SH | $2.36M 0.17% | 0.00 | 0.00 | 15.25K |
VANGUARD STAR FDSSOLE | VG TL INTL STK F | 26.10K | SH | $2.19M 0.16% | 0.00 | 0.00 | 26.10K |
APPLE INCSOLE | COM | 6.70K | SH | $2.13M 0.15% | 0.00 | 0.00 | 6.70K |
ISHARES TRSOLE | CORE S&P SCP ETF | 14.16K | SH | $2.05M 0.15% | 0.00 | 0.00 | 14.16K |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 32.95K | SH | $1.94M 0.14% | 0.00 | 0.00 | 32.95K |
SPDR S&P 500 ETF TRSOLE | TR UNIT | 2.39K | SH | $1.79M 0.13% | 0.00 | 0.00 | 2.39K |
BERKSHIRE HATHAWAY INC DELSOLE | CL B NEW | 3.18K | SH | $1.58M 0.11% | 0.00 | 0.00 | 3.18K |
SEI EXCHANGE TRADED FUNDSSOLE | HY BND Alt | 59.53K | SH | $1.48M 0.11% | 0.00 | 0.00 | 59.53K |
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