RETIREMENT INCOME SOLUTIONS, INC Q3 2025 Filing

Filed October 14, 2025

Portfolio Value

$584.8M

Holdings

165

Report Date

Q3 2025

Filing Type

13F-HR

All Holdings (165 positions)

#	Stock	Shares	Value	% Portfolio
1	SPYMSPDR SERIES TRUST	1,658,222	$129.9M	22.21%
2	JPSTJ P MORGAN EXCHANGE TRADED F	940,277	$47.7M	8.16%
3	SPYSPDR S&P 500 ETF TR	71,463	$47.6M	8.14%
4	MINTPIMCO ETF TR	415,933	$41.9M	7.16%
5	IVVISHARES TR	61,729	$41.3M	7.06%
6	SPMDSPDR SERIES TRUST	618,083	$35.3M	6.04%
7	IWFISHARES TR	44,022	$20.6M	3.53%
8	IJHISHARES TR	253,287	$16.5M	2.83%
9	GLDMWORLD GOLD TR	133,593	$10.2M	1.75%
10	SPYXSPDR SERIES TRUST	172,985	$9.5M	1.62%
11	NDQINVESCO QQQ TR	14,471	$8.7M	1.49%
12	ESGUISHARES TR	49,051	$7.1M	1.22%
13	RSPINVESCO EXCHANGE TRADED FD T	37,202	$7.1M	1.21%
14	IWBISHARES TR	19,298	$7.1M	1.21%
15	IWDISHARES TR	33,576	$6.8M	1.17%
16	JMUBJ P MORGAN EXCHANGE TRADED F	131,496	$6.6M	1.13%
17	MDYSPDR S&P MIDCAP 400 ETF TR	10,419	$6.2M	1.06%
18	ACWIISHARES TR	39,925	$5.5M	0.94%
19	AAPLAPPLE INC	21,315	$5.4M	0.93%
20	FESMFIDELITY COVINGTON TRUST	138,974	$5.1M	0.87%
21	VOVANGUARD INDEX FDS	14,389	$4.2M	0.72%
22	AMZNAMAZON COM INC	18,492	$4.1M	0.69%
23	SPYGSPDR SERIES TRUST	34,835	$3.6M	0.62%
24	XLKSELECT SECTOR SPDR TR	12,214	$3.4M	0.59%
25	BRK/BBERKSHIRE HATHAWAY INC DEL	6,757	$3.4M	0.58%
26	MSFTMICROSOFT CORP	6,164	$3.2M	0.55%
27	IVWISHARES TR	26,325	$3.2M	0.54%
28	EFAISHARES TR	31,808	$3.0M	0.51%
29	VUGVANGUARD INDEX FDS	5,521	$2.6M	0.45%
30	VOOVANGUARD INDEX FDS	4,293	$2.6M	0.45%
31	SPYVSPDR SERIES TRUST	43,333	$2.4M	0.41%
32	IWRISHARES TR	24,771	$2.4M	0.41%
33	VTIVANGUARD INDEX FDS	7,032	$2.3M	0.39%
34	IVEISHARES TR	10,799	$2.2M	0.38%
35	GOOGLALPHABET INC	8,401	$2.0M	0.35%
36	AVDEAMERICAN CENTY ETF TR	25,113	$2.0M	0.34%
37	SCHGSCHWAB STRATEGIC TR	56,200	$1.8M	0.31%
38	NVDANVIDIA CORPORATION	9,508	$1.8M	0.30%
39	LLYELI LILLY & CO	2,232	$1.7M	0.29%
40	GOOGALPHABET INC	6,820	$1.7M	0.28%
41	PNOVINNOVATOR ETFS TRUST	39,639	$1.6M	0.28%
42	PDECINNOVATOR ETFS TRUST	38,677	$1.6M	0.28%
43	POCTINNOVATOR ETFS TRUST	37,599	$1.6M	0.28%
44	GQ9SPDR GOLD TR	4,402	$1.6M	0.27%
45	SMHVANECK ETF TRUST	4,686	$1.5M	0.26%
46	JPMJPMORGAN CHASE & CO.	4,131	$1.3M	0.22%
47	ORCLORACLE CORP	4,386	$1.2M	0.21%
48	PHOINVESCO EXCHANGE TRADED FD T	17,034	$1.2M	0.21%
49	VTVVANGUARD INDEX FDS	5,758	$1.1M	0.18%
50	CWISPDR INDEX SHS FDS	28,829	$1.0M	0.17%
51	VEUVANGUARD INTL EQUITY INDEX F	13,930	$994K	0.17%
52	PJANINNOVATOR ETFS TRUST	21,486	$984K	0.17%
53	EEMISHARES TR	18,259	$975K	0.17%
54	XMESPDR SERIES TRUST	10,349	$964K	0.16%
55	BKLCBNY MELLON ETF TRUST	7,460	$958K	0.16%
56	XLESELECT SECTOR SPDR TR	10,382	$928K	0.16%
57	EFIVSPDR SERIES TRUST	13,842	$880K	0.15%
58	VONEVANGUARD SCOTTSDALE FDS	2,870	$868K	0.15%
59	IWPISHARES TR	5,417	$771K	0.13%
60	PGPROCTER AND GAMBLE CO	4,918	$756K	0.13%
61	SHYISHARES TR	9,039	$750K	0.13%
62	SCHXSCHWAB STRATEGIC TR	28,455	$750K	0.13%
63	IEIISHARES TR	6,196	$740K	0.13%
64	URTHISHARES INC	3,985	$724K	0.12%
65	DBEFDBX ETF TR	15,448	$717K	0.12%
66	KOCOCA COLA CO	10,635	$705K	0.12%
67	IBMINTERNATIONAL BUSINESS MACHS	2,490	$703K	0.12%
68	VOTVANGUARD INDEX FDS	2,361	$694K	0.12%
69	JNJJOHNSON & JOHNSON	3,740	$693K	0.12%
70	ECLECOLAB INC	2,472	$677K	0.12%
71	IUSGISHARES TR	4,000	$658K	0.11%
72	EAGGISHARES TR	13,635	$655K	0.11%
73	BJUNINNOVATOR ETFS TRUST	14,103	$645K	0.11%
74	SPEMSPDR INDEX SHS FDS	13,759	$644K	0.11%
75	IWSISHARES TR	4,548	$635K	0.11%
76	VBILVANGUARD INSTL INDEX FD	8,344	$631K	0.11%
77	PLTRPALANTIR TECHNOLOGIES INC	3,317	$605K	0.10%
78	SPTSSPDR SERIES TRUST	20,308	$595K	0.10%
79	DFAEDIMENSIONAL ETF TRUST	18,630	$587K	0.10%
80	MRKMERCK & CO INC	6,827	$573K	0.10%
81	MGKVANGUARD WORLD FD	1,414	$569K	0.10%
82	LRCXLAM RESEARCH CORP	4,222	$565K	0.10%
83	ETNEATON CORP PLC	1,489	$557K	0.10%
84	DSIISHARES TR	4,392	$553K	0.09%
85	EDIVSPDR INDEX SHS FDS	14,169	$550K	0.09%
86	PJULINNOVATOR ETFS TRUST	12,013	$548K	0.09%
87	AVGOBROADCOM INC	1,616	$533K	0.09%
88	EFAXSPDR INDEX SHS FDS	10,777	$531K	0.09%
89	PAPRINNOVATOR ETFS TRUST	13,545	$520K	0.09%
90	FBTCFIDELITY WISE ORIGIN BITCOIN	5,132	$512K	0.09%
91	DISDISNEY WALT CO	4,419	$506K	0.09%
92	XLFSELECT SECTOR SPDR TR	9,265	$499K	0.09%
93	ZAUGINNOVATOR ETFS TRUST	18,821	$498K	0.09%
94	VYMVANGUARD WHITEHALL FDS	3,444	$485K	0.08%
95	AMGNAMGEN INC	1,571	$443K	0.08%
96	LNTALLIANT ENERGY CORP	6,502	$438K	0.07%
97	MCDMCDONALDS CORP	1,439	$437K	0.07%
98	EMXCISHARES INC	6,390	$431K	0.07%
99	DFAXDIMENSIONAL ETF TRUST	13,691	$430K	0.07%
100	GAMRAMPLIFY ETF TR	4,286	$414K	0.07%

Page 1 of 2Next