RETIREMENT INCOME SOLUTIONS, INC

CIK 0001730386 • 6 13F filings • May 6, 2025 – Aug 3, 2026

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Filer information

Filed by: RETIREMENT INCOME SOLUTIONS, INC, Managing Partner & Chief Compliance Officer
Address: 2301 PLATT ROAD, SUITE 300, ANN ARBOR, MI, 48104
Phone: (734) 769-7727
AUM: $589.6M

AUM over time

$580.8M latest

Sector allocation over time

Past 5 quarters

Q4 2025

Q3 2025

Q2 2026

Q2 2025

Q1 2026

TechnologyHealthcareConsumer DiscretionaryConsumer StaplesFinancialsIndustrialsEnergyOther

Holdings by filing

Portfolio value: $589.6M153 positionsView on SEC.gov

			% of Portfolio
3M CO	COM	$295K	0.1%Prev: 0.0%	1,844 SH	Increased+190 SH
ABBVIE INC	COM	$272K	0.0%Prev: 0.0%	1,189 SH	Decreased
ADVANCED MICRO DEVICES INC	COM	$214K	0.0%	1,000 SH	New
ALLIANT ENERGY CORP	COM	$423K	0.1%Prev: 0.1%	6,502 SH	Decreased
ALPHABET INC	CAP STK CL A	$2.6M	0.4%Prev: 0.3%	8,442 SH	Increased+41 SH
ALPHABET INC	CAP STK CL C	$2.1M	0.4%Prev: 0.3%	6,828 SH	Increased+8 SH
AMAZON COM INC	COM	$4.0M	0.7%Prev: 0.7%	17,385 SH	Decreased-1,107 SH
AMERICAN CENTY ETF TR	INTL EQT ETF	$3.9M	0.7%Prev: 0.3%	47,330 SH	Increased+22,217 SH
AMERICAN EXPRESS CO	COM	$257K	0.0%Prev: 0.0%	695 SH	Increased-10 SH
AMGEN INC	COM	$486K	0.1%Prev: 0.1%	1,485 SH	Increased-86 SH
AMPLIFY ETF TR	VIDEO GAME LEADE	$388K	0.1%Prev: 0.1%	4,286 SH	Decreased
APPLE INC	COM	$5.6M	0.9%Prev: 0.9%	20,530 SH	Increased-785 SH
B2GOLD CORP	COM	$79K	0.0%Prev: 0.0%	17,482 SH	Decreased
BERKSHIRE HATHAWAY INC DEL	CL B NEW	$3.3M	0.6%Prev: 0.6%	6,615 SH	Decreased-142 SH
BNY MELLON ETF TRUST	US LRG CP CORE	$976K	0.2%Prev: 0.2%	7,460 SH	Increased
BOEING CO	COM	$222K	0.0%Prev: 0.0%	1,021 SH	Increased+49 SH
BRIDGEBIO PHARMA INC	COM	$275K	0.0%Prev: 0.0%	3,599 SH	Increased-1,401 SH
BROADCOM INC	COM	$593K	0.1%Prev: 0.1%	1,713 SH	Increased+97 SH
CAPITAL ONE FINL CORP	COM	$223K	0.0%	919 SH	New
CF BANKSHARES INC	COM	$295K	0.1%Prev: 0.0%	11,843 SH	Increased
CINCINNATI FINL CORP	COM	$318K	0.1%Prev: 0.1%	1,950 SH	Increased
COCA COLA CO	COM	$743K	0.1%Prev: 0.1%	10,635 SH	Increased
COSTCO WHSL CORP NEW	COM	$326K	0.1%Prev: 0.1%	378 SH	Decreased-27 SH
DBX ETF TR	XTRACK MSCI EAFE	$738K	0.1%Prev: 0.1%	15,341 SH	Increased-107 SH
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	$3.7M	0.6%Prev: 0.1%	112,093 SH	Increased+93,463 SH
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	$373K	0.1%Prev: 0.1%	9,410 SH	Increased
DIMENSIONAL ETF TRUST	WORLD EX US CORE	$448K	0.1%Prev: 0.1%	13,691 SH	Increased
DISNEY WALT CO	COM	$423K	0.1%Prev: 0.1%	3,719 SH	Decreased-700 SH
DTE ENERGY CO	COM	$314K	0.1%Prev: 0.1%	2,435 SH	Decreased+34 SH
EATON CORP PLC	SHS	$470K	0.1%Prev: 0.1%	1,475 SH	Decreased-14 SH
ECOLAB INC	COM	$649K	0.1%Prev: 0.1%	2,472 SH	Decreased
ELI LILLY & CO	COM	$1.8M	0.3%Prev: 0.3%	1,643 SH	Increased-589 SH
EXXON MOBIL CORP	COM	$377K	0.1%Prev: 0.1%	3,133 SH	Increased+192 SH
FIDELITY COVINGTON TRUST	ENHANCED LARGE	$226K	0.0%Prev: 0.0%	5,926 SH	Increased
FIDELITY COVINGTON TRUST	ENHANCED SMALL	$5.4M	0.9%Prev: 0.9%	143,461 SH	Increased+4,487 SH
FIDELITY WISE ORIGIN BITCOIN	SHS	$407K	0.1%Prev: 0.1%	5,341 SH	Decreased+209 SH
FIRST TR EXCHANGE-TRADED FD	FST LOW OPPT EFT	$329K	0.1%Prev: 0.1%	6,583 SH	Increased
HOME DEPOT INC	COM	$312K	0.1%Prev: 0.1%	908 SH	Decreased+11 SH
INNOVATOR ETFS TRUST	EQUITY DEFINED P	$503K	0.1%Prev: 0.1%	18,821 SH	Increased
INNOVATOR ETFS TRUST	US EQT PWR BUF	$530K	0.1%Prev: 0.1%	13,545 SH	Increased
INNOVATOR ETFS TRUST	US EQTY BUF NOV	$287K	0.0%Prev: 0.0%	6,459 SH	Increased
INNOVATOR ETFS TRUST	US EQTY BUFR JAN	$372K	0.1%Prev: 0.1%	6,757 SH	Increased
INNOVATOR ETFS TRUST	US EQTY BUFR JUL	$272K	0.0%Prev: 0.0%	5,368 SH	Increased
INNOVATOR ETFS TRUST	US EQTY BUFR JUN	$659K	0.1%Prev: 0.1%	14,103 SH	Increased
INNOVATOR ETFS TRUST	US EQTY PWR BF	$408K	0.1%Prev: 0.1%	9,432 SH	Increased
INNOVATOR ETFS TRUST	US EQTY PWR BUF	$6.8M	1.2%Prev: 1.2%	155,602 SH	Decreased-10,804 SH
INTERNATIONAL BUSINESS MACHS	COM	$761K	0.1%Prev: 0.1%	2,569 SH	Increased+79 SH
INVESCO EXCH TRADED FD TR II	NASDAQ 100 ETF	$578K	0.1%	2,286 SH	New
INVESCO EXCH TRADED FD TR II	RUSEL 1000 EQL	$325K	0.1%Prev: 0.1%	6,172 SH	Increased
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	$7.1M	1.2%Prev: 1.2%	36,945 SH	Increased-257 SH
INVESCO EXCHANGE TRADED FD T	WATER RES ETF	$1.1M	0.2%Prev: 0.2%	16,193 SH	Decreased-841 SH
INVESCO EXCHANGE TRADED FD T	WILDERHIL CLAN	$209K	0.0%Prev: 0.0%	6,837 SH	Increased-212 SH
INVESCO QQQ TR	UNIT SER 1	$8.2M	1.4%Prev: 1.5%	13,396 SH	Decreased-1,075 SH
IRON MTN INC DEL	COM	$278K	0.0%Prev: 0.1%	3,350 SH	Decreased
ISHARES GOLD TR	ISHARES NEW	$257K	0.0%Prev: 0.0%	3,172 SH	Increased
ISHARES INC	ESG AWR MSCI EM	$337K	0.1%Prev: 0.1%	7,628 SH	Increased+680 SH
ISHARES INC	MSCI EMRG CHN	$480K	0.1%Prev: 0.1%	6,600 SH	Increased+210 SH
ISHARES INC	MSCI WORLD ETF	$740K	0.1%Prev: 0.1%	3,985 SH	Increased
ISHARES TR	1 3 YR TREAS BD	$662K	0.1%Prev: 0.1%	7,999 SH	Decreased-1,040 SH
ISHARES TR	3 7 YR TREAS BD	$647K	0.1%Prev: 0.1%	5,420 SH	Decreased-776 SH
ISHARES TR	7-10 YR TRSY BD	$280K	0.0%Prev: 0.1%	2,909 SH	Decreased-614 SH
ISHARES TR	CORE S&P MCP ETF	$15.4M	2.6%Prev: 2.8%	233,379 SH	Decreased-19,908 SH
ISHARES TR	CORE S&P US GWT	$672K	0.1%Prev: 0.1%	4,000 SH	Increased
ISHARES TR	CORE S&P500 ETF	$38.1M	6.5%Prev: 7.1%	55,640 SH	Decreased-6,089 SH
ISHARES TR	ESG AWR MSCI USA	$8.1M	1.4%Prev: 1.2%	54,307 SH	Increased+5,256 SH
ISHARES TR	ESG AWR US AGRGT	$571K	0.1%Prev: 0.1%	11,942 SH	Decreased-1,693 SH
ISHARES TR	ESG AWRE 1 5 YR	$247K	0.0%Prev: 0.0%	9,787 SH	Decreased+7 SH
ISHARES TR	ESG AWRE USD ETF	$254K	0.0%Prev: 0.0%	10,842 SH	Decreased
ISHARES TR	ESG MSCI KLD 400	$566K	0.1%Prev: 0.1%	4,392 SH	Increased
ISHARES TR	ESG OPTIMIZED	$224K	0.0%Prev: 0.0%	1,606 SH	Decreased-274 SH
ISHARES TR	IBDS DEC28 ETF	$200K	0.0%	7,858 SH	New
ISHARES TR	IBONDS DEC 29	$200K	0.0%	8,548 SH	New
ISHARES TR	ISHARES BIOTECH	$200K	0.0%	1,186 SH	New
ISHARES TR	MSCI ACWI ETF	$5.8M	1.0%Prev: 0.9%	41,040 SH	Increased+1,115 SH
ISHARES TR	MSCI EAFE ETF	$3.1M	0.5%Prev: 0.5%	31,830 SH	Increased+22 SH
ISHARES TR	MSCI EMG MKT ETF	$1.2M	0.2%Prev: 0.2%	22,761 SH	Increased+4,502 SH
ISHARES TR	RUS 1000 ETF	$6.5M	1.1%Prev: 1.2%	17,274 SH	Decreased-2,024 SH
ISHARES TR	RUS 1000 GRW ETF	$20.2M	3.4%Prev: 3.5%	42,695 SH	Decreased-1,327 SH
ISHARES TR	RUS 1000 VAL ETF	$6.7M	1.1%Prev: 1.2%	31,963 SH	Decreased-1,613 SH
ISHARES TR	RUS 2000 GRW ETF	$205K	0.0%Prev: 0.0%	635 SH	Increased
ISHARES TR	RUS 2000 VAL ETF	$319K	0.1%Prev: 0.1%	1,758 SH	Increased
ISHARES TR	RUS MD CP GR ETF	$647K	0.1%Prev: 0.1%	4,725 SH	Decreased-692 SH
ISHARES TR	RUS MDCP VAL ETF	$491K	0.1%Prev: 0.1%	3,478 SH	Decreased-1,070 SH
ISHARES TR	RUS MID CAP ETF	$2.4M	0.4%Prev: 0.4%	25,012 SH	Increased+241 SH
ISHARES TR	RUSSELL 2000 ETF	$403K	0.1%Prev: 0.1%	1,639 SH	Increased
ISHARES TR	S&P 500 GRWT ETF	$3.2M	0.5%Prev: 0.5%	26,284 SH	Increased-41 SH
ISHARES TR	S&P 500 VAL ETF	$2.1M	0.4%Prev: 0.4%	9,879 SH	Decreased-920 SH
J P MORGAN EXCHANGE TRADED F	ACTIVE BOND ETF	$482K	0.1%	8,908 SH	New
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	$212K	0.0%Prev: 0.0%	3,705 SH	Increased
J P MORGAN EXCHANGE TRADED F	MUNICIPAL ETF	$7.2M	1.2%Prev: 1.1%	142,367 SH	Increased+10,871 SH
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT ETF	$36.1M	6.1%Prev: 8.2%	714,240 SH	Decreased-226,037 SH
JOHNSON & JOHNSON	COM	$685K	0.1%Prev: 0.1%	3,312 SH	Decreased-428 SH
JPMORGAN CHASE & CO.	COM	$1.3M	0.2%Prev: 0.2%	3,984 SH	Decreased-147 SH
LAM RESEARCH CORP	COM NEW	$766K	0.1%Prev: 0.1%	4,472 SH	Increased+250 SH
MCDONALDS CORP	COM	$263K	0.0%Prev: 0.1%	862 SH	Decreased-577 SH
MERCK & CO INC	COM	$637K	0.1%Prev: 0.1%	6,047 SH	Increased-780 SH
MICROSOFT CORP	COM	$3.1M	0.5%Prev: 0.5%	6,448 SH	Decreased+284 SH
NETFLIX INC	COM	$215K	0.0%Prev: 0.0%	2,290 SH	Decreased+2,053 SH
NVIDIA CORPORATION	COM	$1.8M	0.3%Prev: 0.3%	9,871 SH	Increased+363 SH
ORACLE CORP	COM	$848K	0.1%Prev: 0.2%	4,351 SH	Decreased-35 SH
PALANTIR TECHNOLOGIES INC	CL A	$611K	0.1%Prev: 0.1%	3,437 SH	Increased+120 SH
PALO ALTO NETWORKS INC	COM	$227K	0.0%Prev: 0.0%	1,230 SH	Decreased+68 SH
PHILIP MORRIS INTL INC	COM	$234K	0.0%Prev: 0.0%	1,457 SH	Decreased+16 SH
PIMCO ETF TR	ENHAN SHRT MA AC	$32.9M	5.6%Prev: 7.2%	327,797 SH	Decreased-88,136 SH
PNC FINL SVCS GROUP INC	COM	$230K	0.0%Prev: 0.0%	1,103 SH	Increased
PROCTER AND GAMBLE CO	COM	$694K	0.1%Prev: 0.1%	4,846 SH	Decreased-72 SH
RTX CORPORATION	COM	$277K	0.0%Prev: 0.0%	1,508 SH	Increased-31 SH
SALESFORCE INC	COM	$377K	0.1%Prev: 0.1%	1,423 SH	Increased-41 SH
SCHWAB STRATEGIC TR	US LCAP GR ETF	$2.0M	0.3%Prev: 0.3%	61,608 SH	Increased+5,408 SH
SCHWAB STRATEGIC TR	US LRG CAP ETF	$766K	0.1%Prev: 0.1%	28,455 SH	Increased
SCHWAB STRATEGIC TR	US SML CAP ETF	$267K	0.0%Prev: 0.0%	9,380 SH	Increased
SELECT SECTOR SPDR TR	STATE STREET ENE	$985K	0.2%	22,042 SH	New
SELECT SECTOR SPDR TR	STATE STREET FIN	$551K	0.1%	10,062 SH	New
SELECT SECTOR SPDR TR	STATE STREET TEC	$3.3M	0.6%	23,178 SH	New
SOUTHERN CO	COM	$320K	0.1%Prev: 0.1%	3,673 SH	Decreased
SPDR GOLD TR	GOLD SHS	$1.5M	0.2%Prev: 0.3%	3,715 SH	Decreased-687 SH
SPDR INDEX SHS FDS	MSCI ACWI EXUS	$1.0M	0.2%Prev: 0.2%	28,103 SH	Increased-726 SH
SPDR INDEX SHS FDS	MSCI EAFE FS ETF	$531K	0.1%Prev: 0.1%	10,525 SH	Decreased-252 SH
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	$572K	0.1%Prev: 0.1%	12,211 SH	Decreased-1,548 SH
SPDR INDEX SHS FDS	S&P EM MKT DIV	$555K	0.1%Prev: 0.1%	14,169 SH	Increased
SPDR S&P 500 ETF TR	TR UNIT	$48.0M	8.1%Prev: 8.1%	70,380 SH	Increased-1,083 SH
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	$6.2M	1.1%Prev: 1.1%	10,323 SH	Increased-96 SH
SPDR SERIES TRUST	STATE STREET SPD	$204.4M	34.7%	2,816,624 SH	New
STANDARD LITHIUM LTD	COM	$238K	0.0%Prev: 0.0%	53,300 SH	Increased
STRYKER CORPORATION	COM	$279K	0.0%Prev: 0.0%	794 SH	Decreased+19 SH
TESLA INC	COM	$336K	0.1%Prev: 0.1%	747 SH	Increased
THERMO FISHER SCIENTIFIC INC	COM	$236K	0.0%	408 SH	New
TRI CONTL CORP	COM	$203K	0.0%	6,213 SH	New
VALLEY NATL BANCORP	COM	$433K	0.1%Prev: 0.1%	37,097 SH	Increased
VANECK ETF TRUST	GOLD MINERS ETF	$320K	0.1%Prev: 0.0%	3,726 SH	Increased
VANECK ETF TRUST	SEMICONDUCTR ETF	$1.5M	0.3%Prev: 0.3%	4,181 SH	Decreased-505 SH
VANGUARD ADMIRAL FDS INC	500 GRTH IDX F	$205K	0.0%Prev: 0.0%	460 SH	Increased
VANGUARD INDEX FDS	EXTEND MKT ETF	$336K	0.1%Prev: 0.1%	1,606 SH	Decreased
VANGUARD INDEX FDS	GROWTH ETF	$2.7M	0.5%Prev: 0.5%	5,521 SH	Increased
VANGUARD INDEX FDS	LARGE CAP ETF	$264K	0.0%Prev: 0.0%	839 SH	Increased
VANGUARD INDEX FDS	MCAP GR IDXVIP	$654K	0.1%Prev: 0.1%	2,343 SH	Decreased-18 SH
VANGUARD INDEX FDS	MID CAP ETF	$4.1M	0.7%Prev: 0.7%	14,018 SH	Decreased-371 SH
VANGUARD INDEX FDS	S&P 500 ETF SHS	$2.9M	0.5%Prev: 0.4%	4,652 SH	Increased+359 SH
VANGUARD INDEX FDS	SMALL CP ETF	$227K	0.0%Prev: 0.0%	880 SH	Increased
VANGUARD INDEX FDS	TOTAL STK MKT	$2.4M	0.4%Prev: 0.4%	7,032 SH	Increased
VANGUARD INDEX FDS	VALUE ETF	$1.1M	0.2%Prev: 0.2%	5,730 SH	Increased-28 SH
VANGUARD INSTL INDEX FD	0-3 MO TREAS BIL	$629K	0.1%Prev: 0.1%	8,344 SH	Decreased
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	$1.2M	0.2%Prev: 0.2%	16,650 SH	Increased+2,720 SH
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	$225K	0.0%Prev: 0.0%	4,181 SH	Decreased
VANGUARD SCOTTSDALE FDS	VNG RUS1000IDX	$887K	0.2%Prev: 0.1%	2,870 SH	Increased
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	$318K	0.1%Prev: 0.1%	1,446 SH	Increased
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	$527K	0.1%Prev: 0.1%	8,436 SH	Increased+2,831 SH
VANGUARD WHITEHALL FDS	HIGH DIV YLD	$494K	0.1%Prev: 0.1%	3,444 SH	Increased
VANGUARD WORLD FD	MEGA CAP VAL ETF	$404K	0.1%Prev: 0.1%	2,865 SH	Increased
VANGUARD WORLD FD	MEGA GRWTH IND	$711K	0.1%Prev: 0.1%	1,723 SH	Increased+309 SH
VISA INC	COM CL A	$390K	0.1%Prev: 0.1%	1,112 SH	Increased+66 SH
WALMART INC	COM	$248K	0.0%Prev: 0.0%	2,230 SH	Increased+169 SH
WORLD GOLD TR	SPDR GLD MINIS	$11.2M	1.9%Prev: 1.7%	131,546 SH	Increased-2,047 SH

Sold (vs prior filing)

CHIPOTLE MEXICAN GRILL INC — $209K
ISHARES TR — $235K
META PLATFORMS INC — $250K
SELECT SECTOR SPDR TR — $928K
SELECT SECTOR SPDR TR — $499K
SELECT SECTOR SPDR TR — $3.4M
SPDR SERIES TRUST — $391K
SPDR SERIES TRUST — $364K
SPDR SERIES TRUST — $35.3M
SPDR SERIES TRUST — $129.9M
SPDR SERIES TRUST — $595K
SPDR SERIES TRUST — $3.6M
SPDR SERIES TRUST — $2.4M
SPDR SERIES TRUST — $205K
SPDR SERIES TRUST — $880K
SPDR SERIES TRUST — $964K
SPDR SERIES TRUST — $233K
SPDR SERIES TRUST — $9.5M
STRATEGY INC — $327K

All filings

Open a filing on Jive Data

Filing Date	Quarter	Form	Accession	Portfolio	Filing
Jan 27, 2026	Q4 2025	13F-HR	0001730386-26-000002	$589.6M	View
Oct 14, 2025	Q3 2025	13F-HR	0001730386-25-000004	$584.8M	View
Aug 3, 2026	Q2 2026