RETIREMENT INCOME SOLUTIONS, INC

Quarterly 13F snapshot: US-listed longs only, no performance figures — 13F data cannot support them.

Portfolio value: $581M
Positions: 172
Quarter ended: June 30, 2026
Filed: August 03, 2026

Reported portfolio value by quarter (35 quarters reported)

$590M $154M

Q4 17 Q3 19 Q2 21 Q1 23 Q4 24 Q2 26

$170M in Q4 2017 → $581M now. Hover for any quarter.

Holdings

As reported for the quarter ended June 30, 2026. Activity is the change in share count since the prior quarter's filing.

Holding	% of portfolio	Activity	Shares	Value
SS SPDR Series Trust	24.4%	Trimmed 0.5%	1,849,918	$142M
SS State Str SPDR S&P 500 ETF T	7.8%	Trimmed 0.1%	69,678	$45.3M
SS SPDR Series Trust	7.3%	Trimmed 0.4%	714,469	$42.3M
JP J P Morgan Exchange Traded F	6.3%	Trimmed 0.1%	718,740	$36.4M
IT Ishares Tr	6.2%	Trimmed 0.4%	54,870	$35.8M
PE Pimco ETF Tr	6.0%	Trimmed 0.1%	346,949	$34.9M
IT Ishares Tr	3.1%	Added 0.6%	42,222	$18M
IT Ishares Tr	2.7%	Trimmed 1.5%	230,999	$15.6M
WG World Gold Tr	2.1%	Unchanged	129,822	$12M
SS SPDR Series Trust	1.5%	Trimmed 2.8%	164,718	$8.73M
IT Ishares Tr	1.3%	Unchanged	54,534	$7.71M
IQ Invesco Qqq Tr	1.3%	Unchanged	13,302	$7.68M
IE Invesco Exchange Traded Fd T	1.2%	Unchanged	36,798	$7.06M
JP J P Morgan Exchange Traded F	1.2%	Trimmed 1.4%	139,531	$6.98M
IT Ishares Tr	1.2%	Unchanged	32,403	$6.92M
SS State Str SPDR S&P Midcap 40	1.1%	Trimmed 0.8%	10,145	$6.26M
IT Ishares Tr	1.1%	Unchanged	17,255	$6.15M
FC Fidelity Covington Trust	1.0%	Unchanged	150,039	$5.7M
IT Ishares Tr	1.0%	Unchanged	40,588	$5.62M
Apple Inc	0.9%	Unchanged	20,218	$5.13M
AC American Centy ETF Tr	0.8%	Trimmed 1.9%	56,639	$4.81M
DE Dimensional ETF Trust	0.8%	Unchanged	130,010	$4.4M
VI Vanguard Index Fds	0.7%	Unchanged	13,985	$4.02M
SS SPDR Series Trust	0.6%	Trimmed 1.1%	33,419	$3.27M
IT Ishares Tr	0.6%	Unchanged	33,414	$3.25M
BH Berkshire Hathaway Inc Del	0.5%	Unchanged	6,492	$3.11M
SS Select Sector SPDR Tr	0.5%	Unchanged	23,178	$3.08M
IT Ishares Tr	0.5%	Unchanged	26,284	$2.97M
VI Vanguard Index Fds	0.5%	Unchanged	4,652	$2.78M
Alphabet Inc	0.4%	Unchanged	8,584	$2.47M
VI Vanguard Index Fds	0.4%	Unchanged	5,521	$2.41M
SS SPDR Series Trust	0.4%	Added 0.7%	42,343	$2.4M
Microsoft Corp	0.4%	Unchanged	6,336	$2.35M
IT Ishares Tr	0.4%	Unchanged	23,684	$2.3M
VI Vanguard Index Fds	0.4%	Unchanged	7,032	$2.26M
IT Ishares Tr	0.4%	Unchanged	9,879	$2.09M
Alphabet Inc	0.3%	Unchanged	6,828	$1.96M
IE Innovator Etfs Trust	0.3%	Unchanged	45,195	$1.95M
SS Schwab Strategic Tr	0.3%	Unchanged	62,838	$1.83M
Amazon Com Inc	0.3%	Trimmed 49%	8,469	$1.76M
EL Eli Lilly & Co	0.3%	Unchanged	1,884	$1.73M
Nvidia Corporation	0.3%	Unchanged	9,871	$1.72M
VE Vaneck ETF Trust	0.3%	Unchanged	4,181	$1.6M
SG SPDR Gold Tr	0.3%	Unchanged	3,698	$1.59M
VI Vanguard Intl Equity Index F	0.3%	Unchanged	20,926	$1.57M
IE Innovator Etfs Trust	0.3%	Trimmed 4.1%	38,000	$1.55M
SS Select Sector SPDR Tr	0.3%	Unchanged	25,251	$1.55M
JP J P Morgan Exchange Traded F	0.3%	Unchanged	28,371	$1.53M
IT Ishares Tr	0.2%	Unchanged	22,207	$1.26M
Jpmorgan Chase & Co	0.2%	Unchanged	4,083	$1.2M
IE Innovator Etfs Trust	0.2%	Trimmed 5.6%	28,059	$1.19M
VI Vanguard Index Fds	0.2%	Unchanged	5,730	$1.12M
IE Invesco Exchange Traded Fd T	0.2%	Unchanged	16,193	$1.08M
SS SPDR Series Trust	0.2%	Unchanged	9,363	$1.01M
SI SPDR Index Shs Fds	0.2%	Trimmed 8.8%	26,562	$972K
SS SPDR Series Trust	0.2%	Unchanged	15,138	$955K
BM Bny Mellon ETF Trust	0.2%	Unchanged	7,460	$931K
Lam Research Corp	0.2%	Unchanged	4,175	$892K
IE Innovator Etfs Trust	0.2%	Unchanged	19,175	$885K
VS Vanguard Scottsdale Fds	0.1%	Unchanged	2,870	$847K

Showing top 60 of 172 positions.

Timeline of changes

What changed each quarter, from the filings' own share counts. Largest moves first; most recent 8 quarters.

Q2 2026

quarter ended June 30, 2026 · filed August 03, 2026

Company	Action	Shares changed	Value of change	% of portfolio
Amazon Com Inc	Trimmed	−8,000	−$1.67M	0.3%
SS SPDR Series Trust	Trimmed	−9,564	−$732K	24.4%
DW Disney Walt Co	Exited	−3,719	−$358K	—
Oracle Corp	Trimmed	−2,250	−$331K	0.1%
SS SPDR Series Trust	Trimmed	−4,732	−$251K	1.5%
IT Ishares Tr	Trimmed	−3,435	−$232K	2.7%
SS SPDR Series Trust	Trimmed	−2,719	−$161K	7.3%
M Mcdonalds Corp	Added	+450	+$140K	0.1%
IT Ishares Tr	Trimmed	−200	−$131K	6.2%
Exxon Mobil Corp	Added	+696	+$118K	0.1%

Showing the 10 largest of 27 changes.

Q1 2026

quarter ended March 31, 2026 · filed May 04, 2026

Company	Action	Shares changed	Value of change	% of portfolio
SS SPDR Series Trust	Added	+61,486	+$4.71M	24.3%
PE Pimco ETF Tr	Added	+19,609	+$1.97M	6.0%
JP J P Morgan Exchange Traded F	Added	+19,463	+$1.05M	0.3%
AC American Centy ETF Tr	Added	+10,419	+$884K	0.8%
SS SPDR Series Trust	Added	+14,567	+$863K	7.3%
DE Dimensional ETF Trust	Added	+17,917	+$607K	0.8%
FM Fidelity Merrimack Str Tr	New	+10,723	+$489K	0.1%
IE Innovator Etfs Trust	Added	+9,345	+$403K	0.3%
SS State Str SPDR S&P 500 ETF T	Trimmed	−600	−$390K	7.8%
VB Vanguard Bd Index Fds	New	+5,094	+$375K	0.1%

Showing the 10 largest of 104 changes.

Q4 2025

quarter ended December 31, 2025 · filed January 27, 2026

Company	Action	Shares changed	Value of change	% of portfolio
JP J P Morgan Exchange Traded F	Trimmed	−226,037	−$11.4M	6.1%
SS SPDR Series Trust	Added	+139,774	+$11.2M	24.5%
PE Pimco ETF Tr	Trimmed	−88,136	−$8.84M	5.6%
SS SPDR Series Trust	Added	+84,538	+$4.9M	6.9%
IT Ishares Tr	Trimmed	−6,089	−$4.17M	6.5%
DE Dimensional ETF Trust	Added	+93,463	+$3.04M	0.6%
AC American Centy ETF Tr	Added	+22,217	+$1.83M	0.7%
SS Select Sector SPDR Tr	Added	+10,964	+$1.58M	0.6%
IT Ishares Tr	Trimmed	−19,908	−$1.31M	2.6%
IT Ishares Tr	Added	+5,256	+$783K	1.4%

Showing the 10 largest of 116 changes.

Q3 2025

quarter ended September 30, 2025 · filed October 14, 2025

Company	Action	Shares changed	Value of change	% of portfolio
SS SPDR Series Trust	Added	+35,791	+$2.8M	22.2%
IT Ishares Tr	Trimmed	−2,617	−$1.75M	7.1%
SS SPDR Series Trust	Added	+14,168	+$810K	6.0%
JP J P Morgan Exchange Traded F	Added	+12,626	+$641K	8.2%
DE Dimensional ETF Trust	New	+18,630	+$587K	0.1%
IE Innovator Etfs Trust	New	+18,821	+$498K	0.1%
AC American Centy ETF Tr	Added	+5,973	+$471K	0.3%
VN Valley Natl Bancorp	New	+37,097	+$393K	0.1%
IT Ishares Tr	Trimmed	−4,939	−$322K	2.8%
VE Vaneck ETF Trust	New	+3,726	+$285K	—

Showing the 10 largest of 94 changes.

Q2 2025

quarter ended June 30, 2025 · filed July 15, 2025

Company	Action	Shares changed	Value of change	% of portfolio
IT Ishares Tr	Trimmed	−159,303	−$98.9M	7.3%
SS SPDR Series Trust	Added	+719,599	+$52.3M	21.6%
JP J P Morgan Exchange Traded F	New	+927,651	+$47M	8.6%
PE Pimco ETF Tr	New	+413,332	+$41.6M	7.6%
IT Ishares Tr	Trimmed	−496,118	−$30.8M	2.9%
SS SPDR Series Trust	Added	+227,354	+$12.4M	6.0%
IT Ishares Tr	Trimmed	−20,396	−$2.76M	1.2%
SI SPDR Index Shs Fds	New	+29,457	+$962K	0.2%
FC Fidelity Covington Trust	Trimmed	−28,833	−$922K	0.8%
VI Vanguard Intl Equity Index F	New	+13,433	+$903K	0.2%

Showing the 10 largest of 114 changes.

Q1 2025

quarter ended March 31, 2025 · filed May 06, 2025

Company	Action	Shares changed	Value of change	% of portfolio
SS SPDR Ser Tr	Added	+453,791	+$29.8M	12.4%
IT Ishares Tr	Trimmed	−52,297	−$29.4M	26.3%
SS SPDR Ser Tr	Added	+159,786	+$8.18M	4.0%
IT Ishares Tr	Trimmed	−120,498	−$7.03M	9.2%
JP J P Morgan Exchange Traded F	New	+126,238	+$6.31M	1.3%
SS SPDR Ser Tr	Trimmed	−16,578	−$847K	0.5%
VI Vanguard Index Fds	Trimmed	−2,946	−$762K	0.8%
SS SPDR Ser Tr	Trimmed	−8,453	−$679K	0.6%
IT Ishares Tr	Trimmed	−1,265	−$457K	3.5%
IT Ishares Tr	Added	+4,731	+$387K	0.6%

Showing the 10 largest of 77 changes.

Q4 2024

quarter ended December 31, 2024 · filed January 31, 2025

Company	Action	Shares changed	Value of change	% of portfolio
IT Ishares Tr	Added	+51,972	+$30.6M	32.8%
IT Ishares Tr	Added	+187,417	+$11.7M	11.0%
FC Fidelity Covington Trust	New	+151,762	+$4.91M	1.0%
SS SPDR Ser Tr	Added	+66,235	+$4.57M	6.2%
IT Ishares Tr	Added	+19,279	+$2.48M	1.8%
IT Ishares Tr	Trimmed	−18,242	−$2.11M	0.2%
SS SPDR Ser Tr	Added	+23,406	+$1.28M	2.4%
SS Schwab Strategic Tr	Added	+42,150	+$1.17M	0.3%
SS SPDR S&P 500 ETF Tr	Trimmed	−1,999	−$1.17M	8.6%
IE Invesco Exchange Traded Fd T	Added	+3,992	+$700K	1.2%

Showing the 10 largest of 93 changes.

Q3 2024

quarter ended September 30, 2024 · filed November 08, 2024

Company	Action	Shares changed	Value of change	% of portfolio
IT Ishares Tr	Added	+4,417	+$2.55M	29.5%
IT Ishares Tr	Added	+14,028	+$874K	9.8%
SS SPDR S&P 500 ETF Tr	Trimmed	−852	−$489K	9.8%
SS SPDR Ser Tr	Trimmed	−7,557	−$357K	2.2%
IE Innovator Etfs Trust	Trimmed	−8,881	−$340K	0.3%
CN Comcast Corp New	Exited	−8,574	−$336K	—
VI Vanguard Index Fds	New	+1,931	+$324K	0.1%
IT Ishares Tr	Added	+2,069	+$261K	1.5%
Exxon Mobil Corp	Trimmed	−1,961	−$230K	0.1%
Abbvie Inc	New	+1,148	+$227K	0.1%

Showing the 10 largest of 80 changes.

Comments