RETIREMENT INCOME SOLUTIONS, INC

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CIK 1730386

13F portfolio (2026-Q1)

$585M

Positions

173

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

Open in PORT →

As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

173

Top 5

51.7%

Top 10

67.0%

Effective N

11.6

HHI

0.086

This quarter

13 new · 0 exit →

By sector

Unclassified93.1%

Information Technology2.0%

Financials1.1%

Communication Services0.9%

Consumer Discretionary0.9%

Health Care0.7%

Industrials0.4%

Materials0.3%

Other0.6%

By market cap

Unknown93.1%

Mega (>$200B)5.7%

Large ($10–200B)1.0%

Mid ($2–10B)0.1%

Micro (<$300M)0.1%

Small ($300M–2B)0.0%

By region

Other93.1%

North America6.9%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	93.64%	121
Technology Hardware & Equipment	1.02%	3
Software & IT Services	0.79%	3
Specialty Retail	0.75%	4
Pharmaceuticals & Biotechnology	0.74%	6
Software	0.64%	4
Banks	0.42%	5
Semiconductors & Semiconductor Equipment	0.38%	2
Chemicals	0.30%	4
Machinery	0.28%	3
Utilities	0.26%	4
Beverages	0.14%	1
Oil, Gas & Consumable Fuels	0.09%	1
Aerospace & Defense	0.08%	2
Entertainment	0.06%	1
Equity Real Estate Investment Trusts (REITs)	0.06%	1
Commercial Services & Supplies	0.06%	1
Hotels, Restaurants & Leisure	0.06%	1
Insurance	0.05%	1
Automobiles & Components	0.05%	1
Tobacco	0.05%	1
Industrial Conglomerates	0.04%	1
Media & Entertainment	0.04%	1
Metals & Mining	0.01%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	SPYM	SPDR SERIES TRUST	Unclassified	24.33%
2	SPY	STATE STR SPDR S&P 500 ETF T	Unclassified	7.76%
3	SPMD	SPDR SERIES TRUST	Unclassified	7.26%
4	JPST	J P MORGAN EXCHANGE TRADED F	Unclassified	6.22%
5	IVV	ISHARES TR	Unclassified	6.15%
6	MINT	PIMCO ETF TR	Unclassified	5.97%
7	IWF	ISHARES TR	Unclassified	3.06%
8	IJH	ISHARES TR	Unclassified	2.71%
9	GLDM	WORLD GOLD TR	Unclassified	2.06%
10	SPYX	SPDR SERIES TRUST	Unclassified	1.54%

53/173 names classified · sector 6.9% of weight · industry 6.4% · mkt cap 6.9%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 34 quarters

Information TechnologyAAPL, MSFT, IBM, NVDA, ADP · other

Consumer DiscretionaryAMZN, MCD, HD, TSLA, WMT · other

Communication ServicesCMCSA, GOOGL, DIS, GOOG, VZ · other

Health CareJNJ, MRK, AMGN, LLY, ABBV · other

FinancialsBRK.B, JPM, CINF, PNC, UNH · other

MaterialsPG, CL, ECL, SLI, OC · other

IndustrialsMMM, LRCX, HON, UNP, PII · other

Consumer StaplesPEP, KO, MO, PM

UtilitiesLNT, DTE, SO, NEE, CMS

EnergyXOM, CVX, COP, SUN

Real EstateIRM, AGNC

UnclassifiedSPY, IVV, IWF, SPYM, MDY · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 6.9% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 6% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (49 classified)RETIREMENT INCOME SOLUTIONS, INC centroid (Large Core)

Information TechnologyCommunication ServicesConsumer DiscretionaryHealth CareFinancialsIndustrialsMaterialsUtilitiesConsumer StaplesEnergyReal Estate

Style box summary for RETIREMENT INCOME SOLUTIONS, INC: centroid Large Core. Heaviest cells: Large Growth 3.9%, Large Core 1.2%, Large Value 0.7%.

Classified: 6.3% of book weight (49/173 names) · unclassified 93.7%: SPYM, SPY, SPMD, JPST, IVV, MINT, IWF, IJH, GLDM, SPYX +114 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 173 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	SPYMSPDR SERIES TRUST	1,859,482	$142M	24.3%	ADD 3%
2	SPYSTATE STR SPDR S&P 500 ETF T	69,780	$45M	7.8%	HOLD
3	SPMDSPDR SERIES TRUST	717,188	$42M	7.3%	ADD 2%
4	JPSTJ P MORGAN EXCHANGE TRADED F	719,459	$36M	6.2%	HOLD
5	IVVISHARES TR	55,070	$36M	6.1%	HOLD
6	MINTPIMCO ETF TR	347,406	$35M	6.0%	ADD 6%
7	IWFISHARES TR	41,989	$18M	3.1%	HOLD
8	IJHISHARES TR	234,434	$16M	2.7%	HOLD
9	GLDMWORLD GOLD TR	129,822	$12M	2.1%	HOLD
10	SPYXSPDR SERIES TRUST	169,450	$9M	1.5%	TRIM −2%
11	ESGUISHARES TR	54,534	$8M	1.3%	HOLD
12	QQQINVESCO QQQ TR	13,302	$8M	1.3%	HOLD
13	JMUBJPMORGAN MUNICIPAL ETF	141,486	$7M	1.2%	HOLD
14	RSPINVESCO EXCHANGE TRADED FD T	36,798	$7M	1.2%	HOLD
15	IWDISHARES TR	32,403	$7M	1.2%	HOLD
16	MDYSPDR S&P MIDCAP 400 ETF TR	10,228	$6M	1.1%	HOLD
17	IWBISHARES TR	17,255	$6M	1.1%	HOLD
18	FESMFIDELITY COVINGTON TRUST	150,039	$6M	1.0%	ADD 5%
19	ACWIISHARES TR	40,588	$6M	1.0%	HOLD
20	AAPLAPPLE INC	20,218	$5M	0.9%	HOLD
21	AVDEAMERICAN CENTY ETF TR	57,749	$5M	0.8%	ADD 22%
22	DFAEDIMENSIONAL ETF TRUST	130,010	$4M	0.8%	ADD 16%
23	VOVANGUARD INDEX FDS	13,985	$4M	0.7%	HOLD
24	AMZNAMAZON COM INC	16,469	$3M	0.6%	TRIM −5%
25	SPYGSPDR SERIES TRUST STATE STREET SPD	33,803	$3M	0.6%	HOLD
26	EFAISHARES TR	33,414	$3M	0.6%	ADD 5%
27	BRK.BBERKSHIRE HATHAWAY INC DEL	6,492	$3M	0.5%	HOLD
28	XLKSELECT SECTOR SPDR TR	23,178	$3M	0.5%	HOLD
29	IVWISHARES TR	26,284	$3M	0.5%	HOLD
30	VOOVANGUARD INDEX FDS	4,652	$3M	0.5%	HOLD
31	GOOGLALPHABET INC	8,584	$2M	0.4%	HOLD
32	VUGVANGUARD INDEX FDS	5,521	$2M	0.4%	HOLD
33	SPYVSPDR SERIES TRUST	42,034	$2M	0.4%	HOLD
34	MSFTMICROSOFT CORP	6,336	$2M	0.4%	HOLD
35	IWRISHARES TR	23,684	$2M	0.4%	TRIM −5%
36	VTIVANGUARD INDEX FDS	7,032	$2M	0.4%	HOLD
37	IVEISHARES TR	9,879	$2M	0.4%	HOLD
38	GOOGALPHABET INC	6,828	$2M	0.3%	HOLD
39	POCTINNOVATOR S&P 500 POWER BUFFER ETF	45,195	$2M	0.3%	ADD 26%
40	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	62,838	$2M	0.3%	HOLD
41	LLYELI LILLY & CO	1,884	$2M	0.3%	ADD 15%
42	NVDANVIDIA CORPORATION	9,871	$2M	0.3%	HOLD
43	PNOVINNOVATOR ETFS TRUST	39,639	$2M	0.3%	HOLD
44	SMHVANECK ETF TRUST	4,181	$2M	0.3%	HOLD
45	GLDSPDR GOLD TR	3,698	$2M	0.3%	HOLD
46	VEUVANGUARD INTL EQUITY INDEX F	20,926	$2M	0.3%	ADD 26%
47	XLESELECT SECTOR SPDR TR	25,251	$2M	0.3%	ADD 15%
48	JBNDJ P MORGAN EXCHANGE TRADED F	28,371	$2M	0.3%	ADD 218%
49	PDECINNOVATOR ETFS TRUST	29,708	$1M	0.2%	HOLD
50	EEMISHARES TR	22,207	$1M	0.2%	TRIM −2%
51	JPMJPMORGAN CHASE & CO	4,083	$1M	0.2%	ADD 2%
52	VTVVANGUARD INDEX FDS	5,730	$1M	0.2%	HOLD
53	PHOINVESCO EXCHANGE TRADED FD T	16,193	$1M	0.2%	HOLD
54	CWISPDR INDEX SHS FDS	29,123	$1M	0.2%	ADD 4%
55	XMESPDR SERIES TRUST	9,363	$1M	0.2%	ADD 6%
56	EFIVSPDR SERIES TRUST	15,138	$954,911	0.2%	HOLD
57	BKLCBNY MELLON ETF TRUST	7,460	$931,083	0.2%	HOLD
58	LRCXLAM RESEARCH CORP	4,175	$892,031	0.2%	TRIM −7%
59	PJANINNOVATOR ETFS TRUST	19,175	$884,543	0.2%	TRIM −10%
60	VONEVanguard Russell 1000 ETF	2,870	$846,994	0.1%	HOLD
61	KOCOCA COLA CO	10,661	$810,769	0.1%	HOLD
62	JNJJOHNSON & JOHNSON	3,285	$802,985	0.1%	HOLD
63	SCHXSCHWAB U.S. LARGE-CAP ETF	28,455	$729,586	0.1%	HOLD
64	URTHISHARES INC	3,985	$717,380	0.1%	HOLD
65	MRKMERCK & CO INC	5,920	$712,117	0.1%	TRIM −2%
66	PGPROCTER AND GAMBLE CO	4,929	$711,945	0.1%	HOLD
67	DBEFDBX ETF TR	14,349	$708,841	0.1%	TRIM −6%
68	ECLECOLAB INC	2,472	$657,601	0.1%	HOLD
69	BJUNINNOVATOR ETFS TRUST	14,103	$652,306	0.1%	HOLD
70	ORCLORACLE CORP	4,351	$640,076	0.1%	HOLD
71	MGKVanguard Mega Cap Growth ETF	1,723	$633,099	0.1%	HOLD
72	IAUISHARES GOLD TR	7,179	$632,901	0.1%	ADD 126%
73	VBILVANGUARD INSTL INDEX FD	8,344	$631,224	0.1%	HOLD
74	SPABSPDR SERIES TRUST	24,467	$626,845	0.1%	HOLD
75	QQQMINVESCO EXCH TRADED FD TR II	2,612	$620,663	0.1%	ADD 14%
76	IUSGISHARES TR	4,000	$620,440	0.1%	HOLD
77	IBMINTERNATIONAL BUSINESS MACHS	2,524	$611,792	0.1%	HOLD
78	IWPISHARES TR	4,725	$605,367	0.1%	HOLD
79	VOTVANGUARD INDEX FDS	2,343	$602,971	0.1%	HOLD
80	IEIISHARES TR	5,071	$601,421	0.1%	TRIM −6%
81	EAGGISHARES TR	11,934	$567,472	0.1%	HOLD
82	EDIVSPDR INDEX SHS FDS	14,169	$559,392	0.1%	HOLD
83	SHYISHARES TR	6,752	$557,513	0.1%	TRIM −16%
84	PJULINNOVATOR ETFS TRUST	12,013	$552,208	0.1%	HOLD
85	SPEMSPDR INDEX SHS FDS	11,639	$545,985	0.1%	TRIM −5%
86	VEAVANGUARD TAX-MANAGED FDS	8,436	$540,579	0.1%	HOLD
87	PAPRINNOVATOR ETFS TRUST	13,545	$539,091	0.1%	HOLD
88	DSIISHARES TR	4,392	$532,266	0.1%	HOLD
89	AVGOBROADCOM INC	1,713	$530,191	0.1%	HOLD
90	EFAXSPDR INDEX SHS FDS	10,525	$523,790	0.1%	HOLD
91	VLYVALLEY NATL BANCORP	42,438	$521,139	0.1%	ADD 14%
92	VYMVANGUARD WHITEHALL FDS	3,518	$521,016	0.1%	ADD 2%
93	EMXCISHARES INC	6,600	$519,156	0.1%	HOLD
94	AMGNAMGEN INC	1,468	$516,516	0.1%	HOLD
95	ETNEATON CORP PLC	1,430	$511,468	0.1%	TRIM −3%
96	IWSISHARES TR	3,478	$506,884	0.1%	HOLD
97	XOMEXXON MOBIL CORP	2,964	$502,872	0.1%	TRIM −5%
98	ZAUGINNOVATOR ETFS TRUST	18,821	$501,143	0.1%	HOLD
99	XLFSELECT SECTOR SPDR TR	10,062	$496,761	0.1%	HOLD
100	FBNDFIDELITY TOTAL BOND ETF	10,723	$489,183	0.1%	NEW
101	LNTALLIANT ENERGY CORP	6,502	$466,584	0.1%	HOLD
102	PLTRPALANTIR TECHNOLOGIES INC	3,180	$465,170	0.1%	TRIM −7%
103	DFAXDIMENSIONAL ETF TRUST	13,691	$465,083	0.1%	HOLD
104	GDXVANECK ETF TRUST GOLD MINERS ETF	4,735	$434,531	0.1%	ADD 27%
105	MGVVANGUARD WORLD FD	2,865	$415,282	0.1%	HOLD
106	PAUGINNOVATOR ETFS TRUST	9,432	$402,935	0.1%	HOLD
107	PSEPINNOVATOR ETFS TRUST	9,154	$394,171	0.1%	HOLD
108	COSTCOSTCO WHSL CORP NEW	388	$386,615	0.1%	ADD 3%
109	BNDVANGUARD BD INDEX FDS	5,094	$375,122	0.1%	NEW
110	DFACDIMENSIONAL ETF TRUST	9,410	$365,673	0.1%	HOLD
111	DTEDTE ENERGY CO	2,472	$361,482	0.1%	HOLD
112	BJANINNOVATOR ETFS TRUST	6,757	$360,351	0.1%	HOLD
113	DISDISNEY WALT CO	3,719	$358,437	0.1%	HOLD
114	SOSOUTHERN CO	3,673	$354,518	0.1%	HOLD
115	ESGEISHARES INC	7,628	$346,840	0.1%	HOLD
116	IRMIRON MTN INC DEL	3,350	$342,169	0.1%	HOLD
117	VVISA INC	1,132	$342,136	0.1%	HOLD
118	IWMISHARES TR	1,374	$340,752	0.1%	TRIM −16%
119	EQALINVESCO EXCH TRADED FD TR II	6,172	$340,077	0.1%	HOLD
120	NEENEXTERA ENERGY INC	3,649	$338,919	0.1%	NEW
121	IWNISHARES TR	1,758	$333,316	0.1%	HOLD
122	CFBKCF BANKSHARES INC	11,843	$330,538	0.1%	HOLD
123	VXFVANGUARD INDEX FDS	1,606	$330,515	0.1%	HOLD
124	LMBSFIRST TR EXCHANGE-TRADED FD	6,632	$330,340	0.1%	HOLD
125	MCDMCDONALDS CORP	1,050	$326,330	0.1%	ADD 22%
126	SPTSSPDR SERIES TRUST	11,180	$326,232	0.1%	HOLD
127	PMAYINNOVATOR ETFS TRUST	7,838	$313,050	0.1%	HOLD
128	VIGVANGUARD SPECIALIZED FUNDS	1,446	$310,977	0.1%	HOLD
129	CINFCINCINNATI FINL CORP	1,950	$306,833	0.1%	HOLD
130	HDHOME DEPOT INC	897	$295,014	0.1%	HOLD
131	ABBVABBVIE INC	1,334	$290,132	0.0%	ADD 12%
132	BNOVINNOVATOR ETFS TRUST	6,459	$277,886	0.0%	HOLD
133	TSLATESLA INC	747	$277,697	0.0%	HOLD
134	IEFISHARES TR	2,909	$277,635	0.0%	HOLD
135	WMTWALMART INC	2,230	$277,144	0.0%	HOLD
136	RTXRTX CORPORATION	1,426	$275,075	0.0%	TRIM −5%
137	SCHASCHWAB STRATEGIC TR	9,380	$272,770	0.0%	HOLD
138	BBIOBRIDGEBIO PHARMA INC	3,599	$267,262	0.0%	HOLD
139	BJULINNOVATOR ETFS TRUST	5,368	$266,713	0.0%	HOLD
140	CRMSALESFORCE INC	1,423	$265,631	0.0%	HOLD
141	PMPHILIP MORRIS INTL INC	1,597	$264,048	0.0%	ADD 10%
142	XTNSPDR SERIES TRUST	2,777	$258,261	0.0%	HOLD
143	FBTCFIDELITY WISE ORIGIN BITCOIN	4,296	$253,593	0.0%	TRIM −20%
144	MMM3M CO	1,744	$253,281	0.0%	TRIM −5%
145	BARGRANITESHARES GOLD TR	5,446	$251,224	0.0%	NEW
146	SUSCISHARES TR	10,842	$250,859	0.0%	HOLD
147	VVVANGUARD INDEX FDS	839	$250,735	0.0%	HOLD
148	SLVISHARES SILVER TR	3,615	$246,326	0.0%	NEW
149	SUSBISHARES TR	9,787	$245,311	0.0%	HOLD
150	SCHDSCHWAB STRATEGIC TR	7,992	$245,195	0.0%	NEW
151	XSWSPDR SERIES TRUST	1,704	$242,462	0.0%	TRIM −14%
152	VOEVANGUARD INDEX FDS	1,313	$241,960	0.0%	NEW
153	IEMGISHARES INC	3,466	$241,760	0.0%	NEW
154	DEDEERE & CO	422	$237,713	0.0%	NEW
155	VBVANGUARD INDEX FDS	880	$230,490	0.0%	HOLD
156	VWOVANGUARD INTL EQUITY INDEX F	4,181	$225,983	0.0%	HOLD
157	MDYGSPDR SERIES TRUST	2,349	$225,410	0.0%	HOLD
158	NFLXNETFLIX INC	2,290	$220,184	0.0%	HOLD
159	GAMRAMPLIFY ETF TR	2,895	$217,357	0.0%	TRIM −32%
160	PBWINVESCO EXCHANGE TRADED FD T	6,837	$215,912	0.0%	HOLD
161	FELCFIDELITY COVINGTON TRUST	5,926	$214,936	0.0%	HOLD
162	SUSAISHARES TR	1,606	$212,153	0.0%	HOLD
163	AXPAMERICAN EXPRESS CO	695	$210,224	0.0%	HOLD
164	JEPIJPMorgan Equity Premium Income ETF	3,705	$209,999	0.0%	HOLD
165	CLCOLGATE PALMOLIVE CO	2,415	$205,830	0.0%	NEW
166	SPDWSPDR INDEX SHS FDS	4,460	$203,599	0.0%	NEW
167	BABOEING CO	1,021	$203,210	0.0%	HOLD
168	PNCPNC FINL SVCS GROUP INC	975	$202,888	0.0%	TRIM −12%
169	METAMETA PLATFORMS INC	353	$201,962	0.0%	NEW
170	TTTRANE TECHNOLOGIES PLC	482	$200,869	0.0%	NEW
171	IBBISHARES TR	1,186	$200,256	0.0%	HOLD
172	SLISTANDARD LITHIUM LTD	53,300	$181,753	0.0%	HOLD
173	BTGB2GOLD CORP	17,482	$79,179	0.0%	HOLD

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

SPYMSPDR SERIES TRUST

449K

903K

1.6M

1.7M

1.8M

1.9M

$142M

SPYSTATE STR SPDR S&P 500 ETF T

73K

72K

71K

70K

$45M

SPMDSPDR SERIES TRUST

217K

377K

604K

618K

703K

717K

$42M

JPSTJ P MORGAN EXCHANGE TRADED F

—

928K

940K

714K

719K

$36M

IVVISHARES TR

276K

224K

64K

62K

56K

55K

$36M

MINTPIMCO ETF TR

—

413K

416K

328K

347K

$35M

IWFISHARES TR

47K

46K

44K

43K

42K

$18M

IJHISHARES TR

875K

754K

258K

253K

233K

234K

$16M

GLDMWORLD GOLD TR

134K

135K

134K

132K

130K

$12M

SPYXSPDR SERIES TRUST

198K

191K

178K

173K

169K

$9M

ESGUISHARES TR

70K

50K

49K

54K

55K

$8M

QQQINVESCO QQQ TR

15K

14K

13K

$8M

JMUBJPMORGAN MUNICIPAL ETF

—

126K

127K

131K

142K

141K

$7M

RSPINVESCO EXCHANGE TRADED FD T

35K

36K

38K

37K

$7M

IWDISHARES TR

36K

34K

32K

$7M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

☆RETIREMENT INCOME SOLUTIONS, INC