Q2 2026 13F · SEC CIK 1730386

Retirement Income Solutions, Inc

Wealth managerFiled 2026-08-03 for Q2 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $580.8M
Reported positions: 172
Top holdings a year, 3 yrs: +17.6%
Assets under management: $3.0B

Retirement Income Solutions, Inc is a wealth manager that reported 172 positions worth $580.8M in its Q2 2026 13F, filed 2026-08-03. Its largest holdings were Spdr Series Trust (SPLG, 24.4%), Spdr S&p 500 ETF Tr (SPY, 7.8%), Spdr Series Trust (SPMD, 7.3%). A portfolio copying its top holdings returned 17.6% a year over the last 3 years, against 18.9% for the S&P 500.

Retirement Income Solutions, Inc holdings largest 50 of 172 positions.

Weights are shares of the filer's total reported 13F value, compared with Q1 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Retirement Income Solutions, Inc 13F holdings
Stock	% of 13F value	Q1 2026	Shares	Share change	Reported value
SPLGSpdr Series Trust	24.4%	24.3%	1,849,918	-0.5%	$141.6M
SPYSpdr S&p 500 ETF Tr	7.8%	7.8%	69,678	-0.1%	$45.3M
SPMDSpdr Series Trust	7.3%	7.3%	714,469	-0.4%	$42.3M
JPSTJ P Morgan Exchange Traded Fd	6.3%	6.2%	718,740	-0.1%	$36.4M
IVVIshares Core S&p 500 ETF	6.2%	6.1%	54,870	-0.4%	$35.8M
MINTPimco ETF Tr	6.0%	6.0%	346,949	-0.1%	$34.9M
IWFIshares Russell 1000 Growth ETF	3.1%	3.1%	42,222	+0.6%	$18.0M
IJHIshares Tr	2.7%	2.7%	230,999	-1.5%	$15.6M
GLDMWorld Gold Tr	2.1%	2.1%	129,822	+0.0%	$12.0M
SPYXSPDR S&P 500 Fossil Fuel Reserv	1.5%	1.5%	164,718	-2.8%	$8.7M
ESGUIshares Msci Usa Esg	1.3%	1.3%	54,534	+0.0%	$7.7M
QQQInvesco Qqq Tr	1.3%	1.3%	13,302	+0.0%	$7.7M
RSPInvesco S&p 500 Equal Weight ETF	1.2%	1.2%	36,798	+0.0%	$7.1M
JMUBJ P Morgan Exchange Traded F	1.2%	1.2%	139,531	-1.4%	$7.0M
IWDIshares Russell 1000 Value ETF	1.2%	1.2%	32,403	+0.0%	$6.9M
MDYState Street Spdr S&p Midcap 400 ETF Tru	1.1%	1.1%	10,145	-0.8%	$6.3M
IWBIshares Russell 1000 ETF	1.1%	1.1%	17,255	+0.0%	$6.2M
FESMFidelity Covington Trust	1.0%	1.0%	150,039	+0.0%	$5.7M
ACWIIshares Tr	1.0%	1.0%	40,588	+0.0%	$5.6M
AAPLApple Inc	0.9%	0.9%	20,218	+0.0%	$5.1M
AVDEAvantis International Equity ETF	0.8%	0.8%	56,639	-1.9%	$4.8M
DFAEDimensional ETF Trust	0.8%	0.8%	130,010	+0.0%	$4.4M
VOVanguard Index Fds	0.7%	0.7%	13,985	+0.0%	$4.0M
SPYGSpdr Series Trust	0.6%	0.6%	33,419	-1.1%	$3.3M
EFAiShs MSCI EAFE	0.6%	0.6%	33,414	+0.0%	$3.2M
BRK-BBerkshire Hathaway Inc Del	0.5%	0.5%	6,492	+0.0%	$3.1M
XLKState Street Technology Select Sector Sp	0.5%	0.5%	23,178	+0.0%	$3.1M
IVWIshares	0.5%	0.5%	26,284	+0.0%	$3.0M
VOOVanguard S&p 500 ETF	0.5%	0.5%	4,652	+0.0%	$2.8M
GOOGLAlphabet Inc	0.4%	0.4%	8,584	+0.0%	$2.5M
VUGVanguard Indx Fd	0.4%	0.4%	5,521	+0.0%	$2.4M
SPYVSpdr Series Trust	0.4%	0.4%	42,343	+0.7%	$2.4M
MSFTMicrosoft Corp	0.4%	0.4%	6,336	+0.0%	$2.3M
IWRIshares Russell Midcap ETF	0.4%	0.4%	23,684	+0.0%	$2.3M
VTIVanguard Index Fds	0.4%	0.4%	7,032	+0.0%	$2.3M
IVEIshares S&p 500 Value ETF	0.4%	0.4%	9,879	+0.0%	$2.1M
GOOGAlphabet Inc	0.3%	0.3%	6,828	+0.0%	$2.0M
POCTInnovator Etfs Trust	0.3%	0.3%	45,195	+0.0%	$1.9M
SCHGSchwab U.s. Large-Cap Growth ETF	0.3%	0.3%	62,838	+0.0%	$1.8M
AMZNAmazon Com Inc Com	0.3%	0.6%	8,469	-48.6%	$1.8M
LLYLilly Eli & Co	0.3%	0.3%	1,884	+0.0%	$1.7M
NVDANvidia Corporation Com	0.3%	0.3%	9,871	+0.0%	$1.7M
SMHVaneck Semiconductor ETF	0.3%	0.3%	4,181	+0.0%	$1.6M
GLDSpdr Gold Shares	0.3%	0.3%	3,698	+0.0%	$1.6M
VEUVanguard FTSE All	0.3%	0.3%	20,926	+0.0%	$1.6M
PNOVInnovator Etfs Trust	0.3%	0.3%	38,000	-4.1%	$1.6M
XLEState Street Energy Select Sector Spdr E	0.3%	0.3%	25,251	+0.0%	$1.5M
JBNDJpmorgan Active Bond ETF	0.3%	0.3%	28,371	+0.0%	$1.5M
EEMIshares	0.2%	0.2%	22,207	+0.0%	$1.3M
JPMJpmorgan Chase & Co	0.2%	—	4,083	—	$1.2M

What Retirement Income Solutions, Inc bought and sold in Q2 2026, against Q1 2026.

New positions

Q1 2026's filing was too long to tell new positions apart.

Added to

No position grew by more than 5%.

Reduced

AMZN Amazon Com Inc Com-48.6% shares

Left the top 50

PDEC Innovator U.s. Equity Power Buffer ETF -was 0.2%

Share counts compared with the Q1 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: —
3 years: +17.6% /yr; S&P 500 +18.9%
5 years: +8.8% /yr; S&P 500 +9.9%

A portfolio of the filer's 20 largest 13F positions, weighted by value and rebuilt each quarter on the day the filing became public. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q2 2026	$580.8M	172
Q1 2026	$585.1M	173
Q4 2025	$589.6M	170
Q3 2025	$584.8M	165
Q2 2025	$545.0M	158
Q1 2025	$477.9M	146
Q4 2024	$495.6M	149
Q3 2024	$437.7M	146
Q2 2024	$413.9M	141
Q1 2024	$441.0M	156
Q4 2023	$402.3M	143
Q3 2023	$357.4M	129

Questions about Retirement Income Solutions, Inc's portfolio

What stocks does Retirement Income Solutions, Inc own?

Retirement Income Solutions, Inc's latest 13F, for Q2 2026 and filed Aug 3, 2026, lists 172 positions worth $580.8M. The largest are Spdr Series Trust (SPLG) at 24.4%, Spdr S&p 500 ETF Tr (SPY) at 7.8%, Spdr Series Trust (SPMD) at 7.3%, J P Morgan Exchange Traded Fd (JPST) at 6.3% and Ishares Core S&p 500 ETF (IVV) at 6.2%.

What did Retirement Income Solutions, Inc buy last quarter?

Retirement Income Solutions, Inc opened no new positions and grew none by more than 5% among its largest holdings in Q2 2026.

What did Retirement Income Solutions, Inc sell last quarter?

In Q2 2026, Retirement Income Solutions, Inc cut from its top 50 Innovator U.s. Equity Power Buffer ETF - (PDEC) and Amazon Com Inc Com (AMZN) (-48.6% shares), compared with its Q1 2026 filing.

How has Retirement Income Solutions, Inc's portfolio performed?

A portfolio copying Retirement Income Solutions, Inc's 20 largest 13F holdings each quarter, from the day each filing was public, returned +17.6% a year over the last 3 years, against +18.9% for the S&P 500. Over 5 years: +8.8% a year against +9.9%.

When is Retirement Income Solutions, Inc's next 13F filing due?

13F filings are due 45 days after each quarter ends. Retirement Income Solutions, Inc's filing for the quarter ending Sep 30, 2026 is due by Nov 14, 2026; this page updates the day after it is published.

How much money does Retirement Income Solutions, Inc manage?

Retirement Income Solutions, Inc reported $3.0B of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $580.8M.