RETIREMENT INCOME SOLUTIONS, INC

Q4 2025 13F-HR Holdings

Location
Ann Arbor, MI
Holdings as of
12/31/2025
Date filed
1/27/2026
Form type
13F-HR
Num holdings
170
Total value ($000)
$589,616
Net value change ($000)
+4,801 (0.8%)
New positions
8
Sold out positions
4
Turnover %
0.5%
Sector allocation + QoQ delta (equities-only)
Prev filing: 10/14/2025 Next filing: — SEC filing

Snapshot: Change Analysis

Compared to Q3 2025
Methodology: sector metrics are equities-only; instrument mix chart is ex-options; options exposure is shown separately. Why this matters.
Top Adds (Value $000, Stocks/ETFs)
SPYM 14,330 11.0%
SPMD 5,341 15.1%
DFAE 3,064 522.0%
AVDE 1,915 96.7%
GLDM 1,017 10.0%
ESGU 949 13.3%
GOOGL 600 29.4%
QQQM 578 NEW
JMUB 553 8.3%
GOOGL 482 29.0%
Top Reduces (Value $000, Stocks/ETFs)
JPST -11,567 -24.2%
MINT -8,989 -21.5%
IVV -3,205 -7.8%
IJH -1,127 -6.8%
IWB -602 -8.5%
QQQ -459 -5.3%
IWF -412 -2.0%
ORCL -386 -31.3%
PDEC -336 -20.7%
MSTR -327 -100.0%
Instrument mix + QoQ Δ (ex-options)
How this table is calculated: SEC VALUE ($000) is used as reported. For derivatives (PUT/CALL/WARRANT/RIGHT), SEC value represents reported underlying exposure, not premium cash paid/received. Column % is bucket-based: non-options share is calculated inside non-option total, options share is calculated inside options total. Details.
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Instrument:
Issuer Name Ticker Sector Industry Class History Value ($000) % Shares Shares Δ Shares Δ% Value Δ ($000) Value Δ% Principal Option Type