Retirement Income Solutions, Inc. has filed a Form 13F-HR with the Securities and Exchange Commission, disclosing its equity securities holdings as of the close of business on September 30, 2026. The filing was signed by John B. Goff, the Managing Partner and Chief Compliance Officer for the firm based in Ann Arbor, Michigan.
The report lists 190 separate holdings, consisting primarily of common stock and exchange-traded funds. The largest position disclosed in the portfolio is a holding in the SPDR Series Trust SPDR S&P 500 ETF, which the firm holds 162,013,1 shares. Apple Inc. is the second-largest individual stock holding, with 21,012 shares of common stock. Other notable individual stock positions include Microsoft Corporation (6,398 shares), NVIDIA Corporation (10,166 shares), and Berkshire Hathaway Inc. Class B (6,395 shares).
The portfolio is heavily diversified across various sectors and market caps, with significant allocations to ETFs. Major ETF holdings include the iShares Core S&P 500 ETF (50,035 shares), the Vanguard Morningstar Large Cap Growth ETF (33,134 shares), and the iShares Core S&P Mid Cap ETF (23,140 shares). The firm also holds substantial positions in bond-focused ETFs, such as the J.P. Morgan Exchange Traded Fund Ultra Short ETF (1,226,086 shares) and the PIMCO ETF Trust Enhanced Short Term ETF (496,260 shares).
A significant portion of the portfolio is allocated to sector-specific ETFs, including the Select Sector SPDR Trust Technology ETF (22,525 shares), the iShares MSCI Emerging Markets ETF (21,077 shares), and the SPDR Gold Trust (3,670 shares). The filing indicates that all positions are held in a Sole voting capacity.
