# RETIREMENT INCOME SOLUTIONS, INC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1730386. Source: https://holderbook.com/funds/1730386-retirement-income-solutions-inc/

- Reported value: $580.8M
- Positions: 172
- Weight of the ten largest: 67.3%
- Filed: 2026-08-03

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $141.6M | 1,849,918 | 24.4% | 27 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $45.3M | 69,678 | 7.8% | 31 |
| SPDR SERIES TRUST | [SPMD](https://holderbook.com/stocks/SPMD/) | $42.3M | 714,469 | 7.3% | 27 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $36.4M | 718,740 | 6.3% | 5 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $35.8M | 54,870 | 6.2% | 31 |
| PIMCO ETF TR | [MINT](https://holderbook.com/stocks/MINT/) | $34.9M | 346,949 | 6.0% | 5 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $18.0M | 42,222 | 3.1% | 31 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $15.6M | 230,999 | 2.7% | 31 |
| WORLD GOLD TR | [GLDM](https://holderbook.com/stocks/GLDM/) | $12.0M | 129,822 | 2.1% | 11 |
| SPDR SERIES TRUST | [SPYX](https://holderbook.com/stocks/SPYX/) | $8.7M | 164,718 | 1.5% | 27 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $7.7M | 54,534 | 1.3% | 12 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $7.7M | 13,302 | 1.3% | 11 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $7.1M | 36,798 | 1.2% | 11 |
| J P MORGAN EXCHANGE TRADED F | [JMUB](https://holderbook.com/stocks/JMUB/) | $7.0M | 139,531 | 1.2% | 6 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $6.9M | 32,403 | 1.2% | 31 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $6.3M | 10,145 | 1.1% | 31 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $6.2M | 17,255 | 1.1% | 26 |
| FIDELITY COVINGTON TRUST | [FESM](https://holderbook.com/stocks/FESM/) | $5.7M | 150,039 | 1.0% | 7 |
| ISHARES TR | [ACWI](https://holderbook.com/stocks/ACWI/) | $5.6M | 40,588 | 1.0% | 31 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $5.1M | 20,218 | 0.9% | 31 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $4.8M | 56,639 | 0.8% | 11 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $4.4M | 130,010 | 0.8% | 4 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $4.0M | 13,985 | 0.7% | 31 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $3.3M | 33,419 | 0.6% | 28 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $3.2M | 33,414 | 0.6% | 31 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $3.1M | 6,492 | 0.5% | 31 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $3.1M | 23,178 | 0.5% | 29 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $3.0M | 26,284 | 0.5% | 31 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $2.8M | 4,652 | 0.5% | 27 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $2.5M | 8,584 | 0.4% | 31 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $2.4M | 5,521 | 0.4% | 31 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $2.4M | 42,343 | 0.4% | 27 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $2.3M | 6,336 | 0.4% | 31 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $2.3M | 23,684 | 0.4% | 31 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $2.3M | 7,032 | 0.4% | 16 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $2.1M | 9,879 | 0.4% | 31 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $2.0M | 6,828 | 0.3% | 31 |
| INNOVATOR ETFS TRUST | [POCT](https://holderbook.com/stocks/POCT/) | $1.9M | 45,195 | 0.3% | 30 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $1.8M | 62,838 | 0.3% | 23 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.8M | 8,469 | 0.3% | 31 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $1.7M | 1,884 | 0.3% | 23 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.7M | 9,871 | 0.3% | 14 |
| VANECK ETF TRUST | [SMH](https://holderbook.com/stocks/SMH/) | $1.6M | 4,181 | 0.3% | 12 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $1.6M | 3,698 | 0.3% | 31 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $1.6M | 20,926 | 0.3% | 5 |
| INNOVATOR ETFS TRUST | [PNOV](https://holderbook.com/stocks/PNOV/) | $1.6M | 38,000 | 0.3% | 27 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $1.5M | 25,251 | 0.3% | 18 |
| J P MORGAN EXCHANGE TRADED F | [JBND](https://holderbook.com/stocks/JBND/) | $1.5M | 28,371 | 0.3% | 3 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $1.3M | 22,207 | 0.2% | 31 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $1.2M | 4,083 | 0.2% | 31 |
| INNOVATOR ETFS TRUST | [PDEC](https://holderbook.com/stocks/PDEC/) | $1.2M | 28,059 | 0.2% | 23 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $1.1M | 5,730 | 0.2% | 31 |
| INVESCO EXCHANGE TRADED FD T | [PHO](https://holderbook.com/stocks/PHO/) | $1.1M | 16,193 | 0.2% | 11 |
| SPDR SERIES TRUST | [XME](https://holderbook.com/stocks/XME/) | $1.0M | 9,363 | 0.2% | 15 |
| SPDR INDEX SHS FDS | [CWI](https://holderbook.com/stocks/CWI/) | $971.9K | 26,562 | 0.2% | 5 |
| SPDR SERIES TRUST | [EFIV](https://holderbook.com/stocks/EFIV/) | $954.9K | 15,138 | 0.2% | 18 |
| BNY MELLON ETF TRUST | [BKLC](https://holderbook.com/stocks/BKLC/) | $931.1K | 7,460 | 0.2% | 17 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $892.0K | 4,175 | 0.2% | 7 |
| INNOVATOR ETFS TRUST | [PJAN](https://holderbook.com/stocks/PJAN/) | $884.5K | 19,175 | 0.2% | 22 |
| VANGUARD SCOTTSDALE FDS | [VONE](https://holderbook.com/stocks/VONE/) | $847.0K | 2,870 | 0.1% | 25 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $810.8K | 10,661 | 0.1% | 14 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $751.2K | 3,073 | 0.1% | 31 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $741.3K | 6,163 | 0.1% | 31 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $729.6K | 28,455 | 0.1% | 23 |
| ISHARES INC | [URTH](https://holderbook.com/stocks/URTH/) | $717.4K | 3,985 | 0.1% | 14 |
| DBX ETF TR | [DBEF](https://holderbook.com/stocks/DBEF/) | $708.8K | 14,349 | 0.1% | 31 |
| ECOLAB INC | [ECL](https://holderbook.com/stocks/ECL/) | $657.6K | 2,472 | 0.1% | 31 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $652.7K | 4,519 | 0.1% | 31 |
| INNOVATOR ETFS TRUST | [BJUN](https://holderbook.com/stocks/BJUN/) | $652.3K | 14,103 | 0.1% | 26 |
| VANGUARD WORLD FD | [MGK](https://holderbook.com/stocks/MGK/) | $633.1K | 1,723 | 0.1% | 11 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $632.9K | 7,179 | 0.1% | 4 |
| VANGUARD INSTL INDEX FD | [VBIL](https://holderbook.com/stocks/VBIL/) | $631.2K | 8,344 | 0.1% | 5 |
| SPDR SERIES TRUST | [SPAB](https://holderbook.com/stocks/SPAB/) | $626.8K | 24,467 | 0.1% | 5 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $621.0K | 3,660 | 0.1% | 18 |
| INVESCO EXCH TRADED FD TR II | [QQQM](https://holderbook.com/stocks/QQQM/) | $620.7K | 2,612 | 0.1% | 3 |
| ISHARES TR | [IUSG](https://holderbook.com/stocks/IUSG/) | $620.4K | 4,000 | 0.1% | 14 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $611.8K | 2,524 | 0.1% | 31 |
| ISHARES TR | [IWP](https://holderbook.com/stocks/IWP/) | $605.4K | 4,725 | 0.1% | 31 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $603.0K | 2,343 | 0.1% | 10 |
| ISHARES TR | [IEI](https://holderbook.com/stocks/IEI/) | $601.4K | 5,071 | 0.1% | 16 |
| ISHARES TR | [EAGG](https://holderbook.com/stocks/EAGG/) | $567.5K | 11,934 | 0.1% | 15 |
| SPDR INDEX SHS FDS | [EDIV](https://holderbook.com/stocks/EDIV/) | $559.4K | 14,169 | 0.1% | 10 |
| ISHARES TR | [SHY](https://holderbook.com/stocks/SHY/) | $557.5K | 6,752 | 0.1% | 17 |
| INNOVATOR ETFS TRUST | [PJUL](https://holderbook.com/stocks/PJUL/) | $552.2K | 12,013 | 0.1% | 19 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $546.0K | 11,639 | 0.1% | 19 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $540.6K | 8,436 | 0.1% | 14 |
| INNOVATOR ETFS TRUST | [PAPR](https://holderbook.com/stocks/PAPR/) | $539.1K | 13,545 | 0.1% | 21 |
| ISHARES TR | [DSI](https://holderbook.com/stocks/DSI/) | $532.3K | 4,392 | 0.1% | 21 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $530.2K | 1,713 | 0.1% | 9 |
| SPDR INDEX SHS FDS | [EFAX](https://holderbook.com/stocks/EFAX/) | $523.8K | 10,525 | 0.1% | 9 |
| VALLEY NATL BANCORP | [VLY](https://holderbook.com/stocks/VLY/) | $521.1K | 42,438 | 0.1% | 4 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $521.0K | 3,518 | 0.1% | 19 |
| ISHARES INC | [EMXC](https://holderbook.com/stocks/EMXC/) | $519.2K | 6,600 | 0.1% | 14 |
| EATON CORP PLC | [ETN](https://holderbook.com/stocks/ETN/) | $511.5K | 1,430 | 0.1% | 14 |
| ISHARES TR | [IWS](https://holderbook.com/stocks/IWS/) | $506.9K | 3,478 | 0.1% | 23 |
| INNOVATOR ETFS TRUST | [ZAUG](https://holderbook.com/stocks/ZAUG/) | $501.1K | 18,821 | 0.1% | 4 |
| SELECT SECTOR SPDR TR | [XLF](https://holderbook.com/stocks/XLF/) | $496.8K | 10,062 | 0.1% | 11 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $489.2K | 10,723 | 0.1% | 2 |
| ALLIANT ENERGY CORP | [LNT](https://holderbook.com/stocks/LNT/) | $466.6K | 6,502 | 0.1% | 31 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $466.2K | 1,500 | 0.1% | 31 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +11.9% | +14.8% | -2.9% | 100% |
| Q1 2026 | -2.7% | -4.6% | +1.9% | 100% |
| Q4 2025 | +2.1% | +2.4% | -0.3% | 100% |
| Q3 2025 | +6.4% | +7.8% | -1.4% | 100% |
| Q2 2025 | +9.6% | +10.5% | -0.9% | 100% |
| Q1 2025 | -4.4% | -4.6% | +0.1% | 100% |
| Q4 2024 | +1.5% | +2.1% | -0.7% | 100% |
| Q3 2024 | +5.4% | +5.4% | -0.0% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $580.8M | 172 |
| Q1 2026 | $585.1M | 173 |
| Q4 2025 | $589.6M | 170 |
| Q3 2025 | $584.8M | 165 |
| Q2 2025 | $545.0M | 158 |
| Q1 2025 | $477.9M | 146 |
| Q4 2024 | $495.6M | 149 |
| Q3 2024 | $437.7M | 146 |
| Q2 2024 | $413.9M | 141 |
| Q1 2024 | $441.0M | 156 |
| Q4 2023 | $402.3M | 143 |
| Q3 2023 | $357.4M | 129 |