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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 and exited 1; 3 existing positions rose in reported value and 7 fell.

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.

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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

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q2 26
SPYM24.4% · -0%SPY7.8% · -0%SPMD7.3% · -0%JPST6.3% · -0%IVV6.2% · -0%MINT6.0% · -0%IWF3.1% · +1%IJH2.7% · -2%GLDM2.1% · 0%SPYX1.5% · -3%ESGU1.3% · 0%QQQ1.3% · 0%RSP1.2% · 0%JMUB1.2% · -1%IWD1.2% · 0%MDY1.1% · -1%IWB1.1% · 0%FESM1.0% · 0%ACWI1.0% · 0%AAPL0.9% · 0%AVDE0.8% · -2%DFAE0.8% · 0%VO0.7% · 0%SPYG0.6% · -1%EFA0.6% · 0%BRK.B0.5% · 0%XLK0.5% · 0%IVW0.5% · 0%VOO0.5% · 0%GOOGL0.4% · 0%VUG0.4% · 0%SPYV0.4% · +1%MSFT0.4% · 0%IWR0.4% · 0%VTI0.4% · 0%IVE0.4% · 0%GOOG0.3% · 0%POCT0.3% · 0%SCHG0.3% · 0%AMZN0.3% · -49%LLY0.3% · 0%NVDA0.3% · 0%SMH0.3% · 0%GLD0.3% · 0%VEU0.3% · 0%PNOV0.3% · -4%XLE0.3% · 0%JBND0.3% · 0%EEM0.2% · 0%JPM0.2% · 0%PDEC0.2% · -6%VTV0.2% · 0%PHO0.2% · 0%XME0.2% · 0%XCNY0.2% · -9%EFIV0.2% · 0%BKLC0.2% · 0%LRCX0.2% · 0%PJAN0.2% · 0%VONE0.1% · 0%

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q1 26 → Q2 26

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

3 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 67.3%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

As of the firm’s regulatory filing dated May 13, 2026.

Assets Under Management
$2.97B
Discretionary
$2.97B
Employees
26
Accounts
1,274
Address
2301 PLATT ROAD
SUITE 300
ANN ARBOR, MI 48104
Phone
(734) 769-7727
Website
Name Title / Status Ownership Type
CHAPELL, KAREN, ANN ControlMANAGING PARTNER
since Jul 2012
10–25%Individual
GOFF, JOHN, BURTON ControlMANAGING PARTNER & CHIEF COMPLIANCE OFFICER
since Jul 2012
10–25%Individual
HASTIE, BROCK, ELLIOT ControlMANAGING PARTNER
since Jul 2012
25–50%Individual
HOLZER, AMY, KIM ControlCHIEF OPERATING OFFICER
since Jan 2026
5–10%Individual
HOLZNAGLE, RUSSELL, ALAN ControlCHIEF FINANCIAL OFFICER
since Oct 2014
Less than 5%Individual
KEPHART, HARRISON, TODD ControlMANAGING PARTNER
since Jul 2012
25–50%Individual
FLYNN, MEGAN, ELIZABETHSHAREHOLDER
since May 2023
5–10%Individual
LEROY, EVAN, CHRISTOPHERSHAREHOLDER
since May 2023
5–10%Individual
Ownership & leadership changes · 7 filings with changes since Mar 30, 2012

From the firm’s regulatory filings, newest first. Dates are filing dates: a filing that no longer lists someone does not say when they left.

Mar 27, 2026 filing
  • ChangedHOLZER, AMY, KIM · ownership Less than 5% → 5–10%
Jun 27, 2024 filing
  • AddedFLYNN, MEGAN, ELIZABETH · SHAREHOLDER · 5–10%
May 16, 2023 filing
  • AddedLEROY, EVAN, CHRISTOPHER · SHAREHOLDER · 5–10%
Mar 31, 2023 filing
  • ChangedCHAPELL, KAREN, ANN · ownership 5–10% → 10–25%
  • ChangedHASTIE, BROCK, ELLIOT · ownership 50–75% → 25–50%
May 4, 2021 filing
  • AddedHOLZER, AMY, KIM · CHIEF OPERATING OFFICER · Less than 5% · control person
  • ChangedHOLZNAGLE, RUSSELL, ALAN · title CHIEF OPERATIONS OFFICER → CHIEF FINANCIAL OFFICER
Mar 31, 2015 filing
  • AddedHOLZNAGLE, RUSSELL, ALAN · CHIEF OPERATIONS OFFICER · Less than 5% · control person
Aug 1, 2012 filing
  • No longer listedHASTIE, KENNETH, LARRY · TRUSTEE · 25–50% · indirect via KENNETH LARRY HASTIE TRUST UAD 10/4/2000 · control person · listed since Dec 2000
  • No longer listedHASTIE, KENNETH, LARRY · MANAGING DIRECTOR · Less than 5% · control person · listed since Oct 1993
  • No longer listedKENNETH LARRY HASTIE TRUST UAD 10/4/2000 · SHAREHOLDER · 25–50% · control person · listed since Dec 2000
  • No longer listedMCDONALD, ROBERT, GRIFFITH · TRUSTEE · 25–50% · indirect via R. GRIFFITH MCDONALD TRUST UAD 10/18/2005 · control person · listed since Dec 2000
  • No longer listedMCDONALD, ROBERT, GRIFFITH · CHIEF COMPLIANCE OFFICER · Less than 5% · control person · listed since Oct 1993
  • No longer listedR. GRIFFITH MCDONALD TRUST UAD 10/18/2005 · SHAREHOLDER · 25–50% · control person · listed since Dec 2000
  • AddedCHAPELL, KAREN, ANN · MANAGING PARTNER · 5–10% · control person
  • AddedGOFF, JOHN, BURTON · MANAGING PARTNER & CHIEF COMPLIANCE OFFICER · 10–25% · control person
  • AddedKEPHART, HARRISON, TODD · MANAGING PARTNER · 25–50% · control person
  • ChangedHASTIE, BROCK, ELLIOT · title SHAREHOLDER & VICE PRESIDENT → MANAGING PARTNER; ownership 5–10% → 50–75%
Mar 30, 2012 filing (earliest on record)
  • ListedHASTIE, BROCK, ELLIOT · SHAREHOLDER & VICE PRESIDENT · 5–10% · control person
  • ListedHASTIE, KENNETH, LARRY · TRUSTEE · 25–50% · indirect via KENNETH LARRY HASTIE TRUST UAD 10/4/2000 · control person
  • ListedHASTIE, KENNETH, LARRY · MANAGING DIRECTOR · Less than 5% · control person
  • ListedKENNETH LARRY HASTIE TRUST UAD 10/4/2000 · SHAREHOLDER · 25–50% · control person
  • ListedMCDONALD, ROBERT, GRIFFITH · TRUSTEE · 25–50% · indirect via R. GRIFFITH MCDONALD TRUST UAD 10/18/2005 · control person
  • ListedMCDONALD, ROBERT, GRIFFITH · CHIEF COMPLIANCE OFFICER · Less than 5% · control person
  • ListedR. GRIFFITH MCDONALD TRUST UAD 10/18/2005 · SHAREHOLDER · 25–50% · control person

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

Top Adds (vs prior quarter)

Show all 3 →

Top Trims

Show all 7 →

New Positions

  • No new positions this quarter.
Show all 0 →

Exited Positions

Show all 1 →

RETIREMENT INCOME SOLUTIONS, INC Holdings (2026-06-30)

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
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