Latest Retirement Income Solutions, Inc Stock Portfolio

Retirement Income Solutions, Inc Performance:

2025 Q4: 1.26%YTD: 10.28%2024: -3.73%

Performance for 2025 Q4 is 1.26%, and YTD is 10.28%, and 2024 is -3.73%.

About Retirement Income Solutions, Inc and 13F Hedge Fund Stock Holdings

RETIREMENT INCOME SOLUTIONS, INC is a hedge fund based in ANN ARBOR, MI. On 16-May-2023, the fund reported that it had an AUM (Regulated Assets under Management) of $2.1 Billions. In it's latest 13F Holdings report, RETIREMENT INCOME SOLUTIONS, INC reported an equity portfolio of $589.6 Millions as of 31 Dec, 2025.

The top stock holdings of RETIREMENT INCOME SOLUTIONS, INC are BIL, SPY, BIL. The fund has invested 24.5% of it's portfolio in SPDR SERIES TRUST and 8.1% of portfolio in SPDR S&P 500 ETF TR.

The fund managers got completely rid off STRATEGY INC (MSTR), META PLATFORMS INC (META) and ISHARES TR (ACWF) stocks. They significantly reduced their stock positions in SPDR SERIES TRUST (BIL), MCDONALDS CORP (MCD) and BRIDGEBIO PHARMA INC (BBIO). RETIREMENT INCOME SOLUTIONS, INC opened new stock positions in INVESCO EXCH TRADED FD TR II (BAB), J P MORGAN EXCHANGE TRADED F and THERMO FISHER SCIENTIFIC INC (TMO). The fund showed a lot of confidence in some stocks as they added substantially to NETFLIX INC (NFLX), DIMENSIONAL ETF TRUST (DFAC) and SELECT SECTOR SPDR TR (XLB).

Retirement Income Solutions, Inc Annual Return Estimates Vs S&P 500

Our best estimate is that RETIREMENT INCOME SOLUTIONS, INC made a return of 1.26% in the last quarter. In trailing 12 months, it's portfolio return was 10.28%.

Performance
S&P 500

New Buys

Ticker	$ Bought
invesco exch traded fd tr ii	578,175
j p morgan exchange traded f	481,656
thermo fisher scientific inc	236,416
capital one finl corp	222,729
advanced micro devices inc	214,160
tri contl corp	202,917
ishares tr	200,161
ishares tr	200,066

New stocks bought by Retirement Income Solutions, Inc

Additions

Ticker	% Inc.
netflix inc	866
dimensional etf trust	501
select sector spdr tr	112
select sector spdr tr	89.77
american centy etf tr	88.47
spdr series trust	70.45
vanguard tax-managed fds	50.51
ishares tr	24.66

Additions to existing portfolio by Retirement Income Solutions, Inc

Reductions

Ticker	% Reduced
spdr series trust	-45.3
mcdonalds corp	-40.1
bridgebio pharma inc	-28.02
eli lilly & co	-26.39
j p morgan exchange traded f	-24.04
ishares tr	-23.53
innovator etfs trust	-23.19
pimco etf tr	-21.19

Retirement Income Solutions, Inc reduced stake in above stock

Sold off

Ticker	$ Sold
chipotle mexican grill inc	-209,079
ishares tr	-235,491
strategy inc	-327,365
meta platforms inc	-249,689

Retirement Income Solutions, Inc got rid off the above stocks

Sector Distribution

RETIREMENT INCOME SOLUTIONS, INC has about 93.3% of it's holdings in Others sector.

Sector	%
Others	93.3
Technology	2.5

Market Cap. Distribution

RETIREMENT INCOME SOLUTIONS, INC has about 6.5% of it's portfolio invested in the large-cap and mega-cap stocks.

Category	%
UNALLOCATED	93.3
MEGA-CAP	5.1
LARGE-CAP	1.4

Stocks belong to which Index?

About 6.4% of the stocks held by RETIREMENT INCOME SOLUTIONS, INC either belong to S&P 500 or RUSSELL 2000 index.

Index	%
Others	93.4
S&P 500	6.4

Top 5 Winners (%)		%
BBIO	bridgebio pharma inc	40.6 %
LLY	eli lilly & co	35.5 %
	standard lithium ltd	32.6 %
GOOG	alphabet inc	28.8 %
GOOG	alphabet inc	28.7 %

Top 5 Winners ($)		$
BIL	spdr series trust	3.2 M
GLDM	world gold tr	1.2 M
SPY	spdr s&p 500 etf tr	1.1 M
IJR	ishares tr	0.9 M
LLY	eli lilly & co	0.6 M

Top 5 Losers (%)		%
NFLX	netflix inc	-86.7 %
XLB	select sector spdr tr	-42.3 %
XLB	select sector spdr tr	-42.2 %
ORCL	oracle corp	-30.6 %
	fidelity wise origin bitcoin	-23.3 %

Top 5 Losers ($)		$
XLB	select sector spdr tr	-2.4 M
NFLX	netflix inc	-1.4 M
XLB	select sector spdr tr	-0.7 M
ORCL	oracle corp	-0.4 M
MSFT	microsoft corp	-0.2 M

Retirement Income Solutions, Inc Holdings Map

This heatmap illustrates the top 50 positions within the fund's portfolio.

Current Stock Holdings of Retirement Income Solutions, Inc

RETIREMENT INCOME SOLUTIONS, INC has 170 stocks in it's portfolio. About 67.3% of the portfolio is in top 10 stocks. XLB proved to be the most loss making stock for the portfolio. BIL was the most profitable stock for RETIREMENT INCOME SOLUTIONS, INC last quarter.

Last Reported on: 27 Jan, 2026

Ticker	Namesorted ascending	% Portfolio	Shares Held	$ Value	Type	% Change
AAPL	apple inc	0.95	20,530	5,581,370	reduced	-3.68

AAXJ	ishares tr	0.98	41,040	5,806,750	added	2.79

AAXJ	ishares tr	0.11	5,420	646,877	reduced	-12.52

AAXJ	ishares tr	0.10	4,392	565,821	unchanged	0.00

AAXJ	ishares tr	0.04	1,606	223,788	reduced	-14.57

ABBV	abbvie inc	0.05	1,189	271,675	unchanged	0.00

ACSG	dbx etf tr	0.12	15,341	738,056	reduced	-0.69

ACWF	ishares tr	0.00	0.00	0.00	sold off	-100

ACWV	ishares inc	0.13	3,985	740,293	unchanged	0.00

AEMB	american centy etf tr	0.66	47,330	3,896,210	added	88.47

AFK	vaneck etf trust	0.26	4,181	1,505,700	reduced	-10.78

AFK	vaneck etf trust	0.05	3,726	319,579	unchanged	0.00

AGT	ishares tr	1.37	54,307	8,090,660	added	10.72

AGT	ishares tr	0.04	10,842	253,537	unchanged	0.00

AGT	ishares tr	0.04	9,787	247,024	added	0.07

AMD	advanced micro devices inc	0.04	1,000	214,160	new

AMGN	amgen inc	0.08	1,485	486,055	reduced	-5.47

AMLX	amplify etf tr	0.07	4,286	388,434	unchanged	0.00

AMZN	amazon com inc	0.68	17,385	4,012,810	reduced	-5.99

AVGO	broadcom inc	0.10	1,713	592,869	added	6.00