# Retirement Investment Advisors, Inc.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1957886. Source: https://holderbook.com/funds/1957886-retirement-investment-advisors-inc/

- Reported value: $1.4B
- Positions: 66
- Weight of the ten largest: 93.5%
- Filed: 2026-07-15

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 |
|---|---|---|---|---|---|
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $312.0M | 1,422,244 | 22.2% | 14 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $286.6M | 3,327,139 | 20.4% | 14 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $206.3M | 2,145,326 | 14.7% | 14 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $138.2M | 1,825,373 | 9.9% | 14 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $108.6M | 1,383,266 | 7.7% | 14 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $96.3M | 398,418 | 6.9% | 14 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $58.0M | 543,022 | 4.1% | 14 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $51.0M | 1,064,060 | 3.6% | 14 |
| ISHARES TR | [EMB](https://holderbook.com/stocks/EMB/) | $29.4M | 308,517 | 2.1% | 14 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $25.2M | 72,220 | 1.8% | 14 |
| DBX ETF TR | [HYLB](https://holderbook.com/stocks/HYLB/) | $20.0M | 550,451 | 1.4% | 7 |
| VANECK ETF TRUST | [HYD](https://holderbook.com/stocks/HYD/) | $8.7M | 169,817 | 0.6% | 14 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $6.4M | 187,435 | 0.5% | 10 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $5.4M | 106,540 | 0.4% | 14 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $4.7M | 6,547 | 0.3% | 14 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $3.8M | 55,065 | 0.3% | 14 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $3.4M | 4,516 | 0.2% | 4 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $2.4M | 15,253 | 0.2% | 14 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $2.2M | 26,101 | 0.2% | 14 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $2.1M | 6,698 | 0.2% | 3 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $2.1M | 14,161 | 0.1% | 14 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $1.9M | 32,946 | 0.1% | 14 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.8M | 2,390 | 0.1% | 14 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $1.6M | 3,183 | 0.1% | 3 |
| SEI EXCHANGE TRADED FUNDS | - | $1.5M | 59,533 | 0.1% | 1 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.4M | 7,101 | 0.1% | 13 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $1.3M | 5,980 | 0.1% | 14 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $1.3M | 15,996 | 0.1% | 14 |
| ONEOK INC NEW | [OKE](https://holderbook.com/stocks/OKE/) | $1.2M | 13,356 | 0.1% | 14 |
| PHILLIPS 66 | [PSX](https://holderbook.com/stocks/PSX/) | $1.1M | 5,772 | 0.1% | 14 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $1.1M | 3,750 | 0.1% | 14 |
| ISHARES TR | [IWN](https://holderbook.com/stocks/IWN/) | $1.1M | 4,898 | 0.1% | 10 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $989.5K | 8,621 | 0.1% | 8 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $980.4K | 5,971 | 0.1% | 4 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $956.1K | 2,422 | 0.1% | 14 |
| INVESCO EXCHANGE TRADED FD T | [PWV](https://holderbook.com/stocks/PWV/) | $814.4K | 10,368 | 0.1% | 14 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $738.8K | 1,998 | 0.1% | 12 |
| ISHARES TR | [IAGG](https://holderbook.com/stocks/IAGG/) | $737.0K | 14,793 | 0.1% | 10 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $638.9K | 2,177 | 0.0% | 10 |
| CONOCOPHILLIPS | [COP](https://holderbook.com/stocks/COP/) | $616.0K | 5,459 | 0.0% | 14 |
| ENERGY TRANSFER L P | [ET](https://holderbook.com/stocks/ET/) | $555.5K | 28,467 | 0.0% | 14 |
| OGE ENERGY CORP | [OGE](https://holderbook.com/stocks/OGE/) | $540.6K | 11,034 | 0.0% | 14 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $433.7K | 3,752 | 0.0% | 8 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $428.2K | 1,661 | 0.0% | 13 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $395.7K | 1,012 | 0.0% | 9 |
| SPDR SERIES TRUST | [HYMB](https://holderbook.com/stocks/HYMB/) | $389.9K | 15,461 | 0.0% | 13 |
| SIMMONS FIRST NATL CORP | [SFNC](https://holderbook.com/stocks/SFNC/) | $344.7K | 15,000 | 0.0% | 14 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $331.4K | 3,297 | 0.0% | 10 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $325.4K | 928 | 0.0% | 3 |
| UNITED THERAPEUTICS CORP DEL | [UTHR](https://holderbook.com/stocks/UTHR/) | $321.3K | 600 | 0.0% | 4 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $315.9K | 6,385 | 0.0% | 14 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $305.3K | 444 | 0.0% | 2 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $285.2K | 1,452 | 0.0% | 4 |
| FORD MTR CO | [F](https://holderbook.com/stocks/F/) | $276.6K | 19,973 | 0.0% | 14 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $274.8K | 1,008 | 0.0% | 10 |
| SHELL PLC | [SHEL](https://holderbook.com/stocks/SHEL/) | $261.7K | 3,130 | 0.0% | 6 |
| ENTERPRISE PRODS PARTNERS L | [EPD](https://holderbook.com/stocks/EPD/) | $254.0K | 6,900 | 0.0% | 2 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $250.9K | 2,023 | 0.0% | 3 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $248.2K | 704 | 0.0% | 3 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $243.6K | 985 | 0.0% | 3 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $241.8K | 2,342 | 0.0% | 1 |
| ROYAL CARIBBEAN GROUP | [RCL](https://holderbook.com/stocks/RCL/) | $230.9K | 800 | 0.0% | 7 |
| WISDOMTREE TR | [DGRW](https://holderbook.com/stocks/DGRW/) | $224.1K | 2,321 | 0.0% | 7 |
| WILLIAMS COS INC | [WMB](https://holderbook.com/stocks/WMB/) | $215.3K | 2,892 | 0.0% | 7 |
| BANCFIRST CORP | [BANF](https://holderbook.com/stocks/BANF/) | $214.9K | 1,870 | 0.0% | 1 |
| TOTALENERGIES SE | [TTE](https://holderbook.com/stocks/TTE/) | $203.7K | 2,516 | 0.0% | 1 |

## 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 | +10.0% | +14.8% | -4.9% | 99% |
| Q1 2026 | -1.0% | -4.6% | +3.6% | 100% |
| Q4 2025 | +1.5% | +2.4% | -0.9% | 100% |
| Q3 2025 | +5.6% | +7.8% | -2.2% | 100% |
| Q2 2025 | +7.2% | +10.5% | -3.3% | 100% |
| Q1 2025 | -0.8% | -4.6% | +3.8% | 100% |
| Q4 2024 | -2.2% | +2.1% | -4.4% | 100% |
| Q3 2024 | +6.0% | +5.4% | +0.6% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $1.4B | 66 |
| Q1 2026 | $1.2B | 67 |
| Q4 2025 | $1.2B | 65 |
| Q3 2025 | $1.2B | 63 |
| Q2 2025 | $1.1B | 59 |
| Q1 2025 | $987.7M | 58 |
| Q4 2024 | $948.3M | 60 |
| Q3 2024 | $915.5M | 54 |
| Q2 2024 | $823.6M | 52 |
| Q4 2023 | $698.6M | 51 |
| Q3 2023 | $1.1B | 58 |
| Q2 2023 | $833.9M | 67 |