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RETIREMENT INCOME SOLUTIONS, INC — 13F Holdings & Portfolio

CIK 1730386 · latest 13F-HR filed 2026-08-03

Backtest portfolio

RETIREMENT INCOME SOLUTIONS, INC manages $580.8M in 13F-reported U.S. long-equity assets across 172 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are SPYM (24.38%), SPY (7.80%), SPMD (7.28%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 0 new positions, exited 1, added to 3, and trimmed 7.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

Filer Information
Address
2301 PLATT ROAD
SUITE 300
ANN ARBOR, MI 48104
Phone
(734) 769-7727
Filing Manager
RETIREMENT INCOME SOLUTIONS, INC
ANN ARBOR, MI
Signatory
John B. Goff
Managing Partner & Chief Compliance Officer
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AUM

$580.8M

Long-equity book

Holdings

172

Distinct positions

Period

2026-06-30

Filed 2026-08-03

Q/Q Activity

+0 / −1 / ↑3 / ↓7

vs 2026-03-31

Firm Profile & Key People
Name Title / Status Ownership Type

Top Adds (vs prior quarter)

  • MCDONALDS CORP$139.9K +42.9%
  • EXXON MOBIL CORP$118.1K +23.5%
  • WALMART INC$55.9K +20.2%
Show all 3 →

Top Trims

  • AMAZON COM INC-$1.7M -48.6%
  • ORACLE CORP-$331.0K -51.7%
  • SPDR INDEX SHS FDS-$93.7K -8.8%
  • AMGEN INC-$84.1K -16.3%
  • INNOVATOR ETFS TRUST-$70.1K -5.6%
Show all 7 →

New Positions

  • No new positions this quarter.
Show all 0 →

Exited Positions

  • DISNEY WALT CO$358.4K
Show all 1 →
All Holdings

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 SPDR SERIES TRUST SPYM 78464A854 $141.6M 24.38% 1,849,918 SH
2 STATE STR SPDR S&P 500 ETF T SPY 78462F103 $45.3M 7.80% 69,678 SH
3 SPDR SERIES TRUST SPMD 78464A847 $42.3M 7.28% 714,469 SH
4 J P MORGAN EXCHANGE TRADED F JPST 46641Q837 $36.4M 6.26% 718,740 SH
5 ISHARES TR IVV 464287200 $35.8M 6.17% 54,870 SH
6 PIMCO ETF TR MINT 72201R833 $34.9M 6.01% 346,949 SH
7 ISHARES TR IWF 464287614 $18.0M 3.10% 42,222 SH
8 ISHARES TR IJH 464287507 $15.6M 2.69% 230,999 SH
9 WORLD GOLD TR GLDM 98149E303 $12.0M 2.07% 129,822 SH
10 SPDR SERIES TRUST SPYX 78468R796 $8.7M 1.50% 164,718 SH
11 ISHARES TR ESGU 46435G425 $7.7M 1.33% 54,534 SH
12 INVESCO QQQ TR QQQ 46090E103 $7.7M 1.32% 13,302 SH
13 INVESCO EXCHANGE TRADED FD T RSP 46137V357 $7.1M 1.22% 36,798 SH
14 J P MORGAN EXCHANGE TRADED F JMUB 46641Q647 $7.0M 1.20% 139,531 SH
15 ISHARES TR IWD 464287598 $6.9M 1.19% 32,403 SH
16 STATE STR SPDR S&P MIDCAP 40 MDY 78467Y107 $6.3M 1.08% 10,145 SH
17 ISHARES TR IWB 464287622 $6.2M 1.06% 17,255 SH
18 FIDELITY COVINGTON TRUST FESM 31609A206 $5.7M 0.98% 150,039 SH
19 ISHARES TR ACWI 464288257 $5.6M 0.97% 40,588 SH
20 APPLE INC AAPL 037833100 $5.1M 0.88% 20,218 SH
21 AMERICAN CENTY ETF TR AVDE 025072703 $4.8M 0.83% 56,639 SH
22 DIMENSIONAL ETF TRUST DFAE 25434V302 $4.4M 0.76% 130,010 SH
23 VANGUARD INDEX FDS VO 922908629 $4.0M 0.69% 13,985 SH
24 SPDR SERIES TRUST SPYG 78464A409 $3.3M 0.56% 33,419 SH
25 ISHARES TR EFA 464287465 $3.2M 0.56% 33,414 SH
26 BERKSHIRE HATHAWAY INC DEL BRK.B 084670702 $3.1M 0.54% 6,492 SH
27 SELECT SECTOR SPDR TR XLK 81369Y803 $3.1M 0.53% 23,178 SH
28 ISHARES TR IVW 464287309 $3.0M 0.51% 26,284 SH
29 VANGUARD INDEX FDS VOO 922908363 $2.8M 0.48% 4,652 SH
30 ALPHABET INC GOOGL 02079K305 $2.5M 0.42% 8,584 SH
31 VANGUARD INDEX FDS VUG 922908736 $2.4M 0.42% 5,521 SH
32 SPDR SERIES TRUST SPYV 78464A508 $2.4M 0.41% 42,343 SH
33 MICROSOFT CORP MSFT 594918104 $2.3M 0.40% 6,336 SH
34 ISHARES TR IWR 464287499 $2.3M 0.40% 23,684 SH
35 VANGUARD INDEX FDS VTI 922908769 $2.3M 0.39% 7,032 SH
36 ISHARES TR IVE 464287408 $2.1M 0.36% 9,879 SH
37 ALPHABET INC GOOG 02079K107 $2.0M 0.34% 6,828 SH
38 INNOVATOR ETFS TRUST POCT 45782C797 $1.9M 0.34% 45,195 SH
39 SCHWAB STRATEGIC TR SCHG 808524300 $1.8M 0.32% 62,838 SH
40 AMAZON COM INC AMZN 023135106 $1.8M 0.30% 8,469 SH
41 ELI LILLY & CO LLY 532457108 $1.7M 0.30% 1,884 SH
42 NVIDIA CORPORATION NVDA 67066G104 $1.7M 0.30% 9,871 SH
43 VANECK ETF TRUST SMH 92189F676 $1.6M 0.28% 4,181 SH
44 SPDR GOLD TR GLD 78463V107 $1.6M 0.27% 3,698 SH
45 VANGUARD INTL EQUITY INDEX F VEU 922042775 $1.6M 0.27% 20,926 SH
46 INNOVATOR ETFS TRUST PNOV 45782C573 $1.6M 0.27% 38,000 SH
47 SELECT SECTOR SPDR TR XLE 81369Y506 $1.5M 0.27% 25,251 SH
48 J P MORGAN EXCHANGE TRADED F JBND 46654Q716 $1.5M 0.26% 28,371 SH
49 ISHARES TR EEM 464287234 $1.3M 0.22% 22,207 SH
50 JPMORGAN CHASE & CO JPM 46625H100 $1.2M 0.21% 4,083 SH
Filing History
Period Filed AUM Holdings Accession
2026-06-30 2026-08-03 $580.8M 172 0001730386-26-000005
2026-03-31 2026-05-04 $585.1M 173 0001730386-26-000003
2025-12-31 2026-01-27 $589.6M 170 0001730386-26-000002