RETIREMENT INCOME SOLUTIONS, INC

Pension

CIK

1730386

Location

ANN ARBOR, MI

Portfolio Value

Small $122,210,931

Diversification

Moderately concentrated

Filing Date

Global Rank

#5,517 / 8,517 ▲ 64

Top Industry

Consumer Electronics 14.5%

3Y Alpha vs SPY

+10.4%

Period ended 46 days ago

Filed Aug 3, 2026 · 12d

26 quarters · since Mar 2020

Clone Performance

Aug 2023–Aug 2026 · vs SPY

Hypothetical growth of buying every stock this filer reported holding, rebalancing on each filing and indexed to the same start. Option positions cannot be bought this way and are left out.

Cloned portfolio

+124.3%

SPY

+75.3%

Annualised alpha

+10.3%

Max drawdown

−17.2%

Estimate. 13F holdings are quarter-lagged, so the clone rebalances about 45 days after each period end — when the filing becomes public — and it excludes option and short positions. Returns use comparable raw closes and exclude dividends; a captured split can shorten the simulated window. It tracks 100% of reported value on average across 13 quarters. Past performance does not predict future results.

Portfolio Concentration

60 tracked positions · as of Jun 30, 2026 · Δ vs Mar 31, 2026

Top Position

42.6%

+4.6 pts

Top 5

69.7%

+5.6 pts

Top 10

80.3%

+3.7 pts

HHI

2,041

Moderately concentrated+363

Portfolio Trend

26 quarters · across all stocks

Sector Breakdown

As of Jun 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	66.9%	$81,807,118	9
Technology	11.7%	$14,256,671	9
Financial Services	5.6%	$6,819,377	8
Healthcare	4.0%	$4,880,905	6
Communication Services	2.8%	$3,430,011	3
Consumer Cyclical	2.5%	$3,054,507	4
Consumer Defensive	2.2%	$2,705,903	6
Industrials	1.5%	$1,887,717	6
Utilities	1.3%	$1,544,509	4
Basic Materials	0.7%	$900,680	3
Energy	0.4%	$500,395	1
Real Estate	0.3%	$423,138	1

Last Quarter's Activity

Export CSV

Jun 30, 2026 vs Mar 31, 2026

Added To

Positions the filer increased

4 positions

Ticker	Company	Δ Shares	Shares	Value
XOM	ExxonMobil Holdings Corp	+696	3,660	$500,395
WMT	Walmart Inc.	+450	2,680	$303,536
MCD	Mcdonalds Corp	+450	1,500	$405,465
MRK	Merck & Co., Inc.	+243	6,163	$791,945
No positions match the current search.

Trimmed

Positions the filer reduced

8 positions

Ticker	Company	Δ Shares	Shares	Value
AMZN	Amazon Com Inc	−8,000	8,469	$2,018,501
GOOGL	Alphabet Inc.	−6,828	8,584	$3,067,664
ORCL	Oracle Corp	−2,250	2,101	$307,901
PG	PROCTER & GAMBLE Co	−410	4,519	$662,666
AMGN	Amgen Inc	−239	1,229	$445,045
JNJ	Johnson & Johnson	−212	3,073	$780,449
SPY	Spdr S&P 500 ETF Trust	−102	69,678	$52,033,440
MDY	Spdr S&P Midcap 400 ETF Trust	−83	10,145	$7,135,384
No positions match the current search.

New Positions

Positions the filer opened this quarter

No qualifying positions this quarter.

Sold Out

Positions the filer fully exited

9 positions

Ticker	Company	Shares	Value
VEU	Vanguard FTSE All-World Ex-US ETF	20,926	$1,571,542
CWI	State Street SPDR MSCI ACWI ex-US ETF	29,123	$1,065,610
VBIL	Vanguard 0-3 Month Treasury Bill ETF	8,344	$631,223
VEA	Vanguard FTSE Developed Markets ETF	8,436	$540,578
DIS	Walt Disney Co	3,719	$358,437
VXF	Vanguard Extended Market ETF	1,606	$330,514
VIG	Vanguard Dividend Appreciation ETF	1,446	$310,976
VB	Vanguard Morningstar Small-Cap ETF	880	$230,489
IBB	iShares Biotechnology ETF	1,186	$200,256
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

60 tracked positions · $122,210,931 total · filing declares 172 positions · $580,835,822 · as of Jun 30, 2026

All sectors Basic Materials Communication Services Consumer Cyclical Consumer Defensive Energy Financial Services Healthcare Industrials Real Estate Technology Utilities

Showing 1–50 of 60 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
SPY	Spdr S&P 500 ETF Trust	Reduced	69,678	-102	$52,033,440	+14.7%	42.58%
GLDM	World Gold Trust	Held	129,822	0	$10,310,463	−14.3%	8.44%
QQQ	Invesco Qqq Trust, Series 1	Held	13,302	0	$9,795,592	+27.6%	8.02%
MDY	Spdr S&P Midcap 400 ETF Trust	Reduced	10,145	-83	$7,135,384	+13.1%	5.84%
AAPL	Apple Inc. Technology	Held	20,218	0	$5,850,280	+14.0%	4.79%
BRK-B	Berkshire Hathaway Inc Financial Services	Held	6,492	0	$3,248,531	+4.4%	2.66%
GOOGL	Alphabet Inc. Communication Services	Reduced	8,584	-6,828	$3,067,664	−30.7%	2.51%
MSFT	Microsoft Corp Technology	Held	6,336	0	$2,363,454	+0.8%	1.93%
LLY	ELI LILLY & Co Healthcare	Held	1,884	0	$2,259,726	+30.4%	1.85%
AMZN	Amazon Com Inc Consumer Cyclical	Reduced	8,469	-8,000	$2,018,501	−41.2%	1.65%
NVDA	Nvidia Corp Technology	Held	9,871	0	$1,975,088	+14.7%	1.62%
LRCX	Lam Research Corp Technology	Held	4,175	0	$1,809,152	+102.8%	1.48%
GLD	Spdr Gold Trust	Held	3,698	0	$1,362,269	−14.4%	1.11%
JPM	Jpmorgan Chase & Co Financial Services	Held	4,083	0	$1,336,488	+11.3%	1.09%
KO	Coca Cola Co Consumer Defensive	Held	10,661	0	$866,419	+6.9%	0.71%
MRK	Merck & Co., Inc. Healthcare	Added	6,163	+243	$791,945	+11.2%	0.65%
JNJ	Johnson & Johnson Healthcare	Reduced	3,073	-212	$780,449	−2.8%	0.64%
IBM	International Business Machines Corp Technology	Held	2,524	0	$709,774	+16.0%	0.58%
ECL	Ecolab Inc. Basic Materials	Held	2,472	0	$688,723	+4.7%	0.56%
PG	PROCTER & GAMBLE Co Consumer Defensive	Reduced	4,519	-410	$662,666	−6.9%	0.54%
AVGO	Broadcom Inc. Technology	Held	1,713	0	$647,085	+22.0%	0.53%
VLY	Valley National Bancorp Financial Services	Held	42,438	0	$621,716	+19.3%	0.51%
ETN	Eaton Corp plc Industrials	Held	1,430	0	$609,351	+19.1%	0.50%
IAU	Ishares Gold Trust	Held	7,179	0	$542,086	−14.3%	0.44%
XOM	ExxonMobil Holdings Corp Energy	Added	3,660	+696	$500,395	−0.5%	0.41%
LNT	Alliant Energy Corp Utilities	Held	6,502	0	$496,037	+6.3%	0.41%
AMGN	Amgen Inc Healthcare	Reduced	1,229	-239	$445,045	−13.8%	0.36%
IRM	Iron Mountain Inc Real Estate	Held	3,350	0	$423,138	+23.7%	0.35%
MCD	Mcdonalds Corp Consumer Cyclical	Added	1,500	+450	$405,465	+24.3%	0.33%
V	Visa Inc. Financial Services	Held	1,132	0	$388,377	+13.5%	0.32%
CFBK	Cf Bankshares Inc. Financial Services	Held	11,843	0	$388,095	+17.4%	0.32%
DTE	Dte Energy Co Utilities	Held	2,472	0	$376,658	+4.2%	0.31%
PLTR	Palantir Technologies Inc. Technology	Held	3,180	0	$371,010	−20.2%	0.30%
COST	Costco Wholesale Corp /New Consumer Defensive	Held	388	0	$362,962	−6.1%	0.30%
CINF	Cincinnati Financial Corp Financial Services	Held	1,950	0	$361,023	+17.7%	0.30%
SO	Southern Co Utilities	Held	3,673	0	$351,542	−0.8%	0.29%
ABBV	AbbVie Inc. Healthcare	Held	1,334	0	$335,687	+15.7%	0.27%
NEE	Nextera Energy Inc Utilities	Held	3,649	0	$320,272	−5.5%	0.26%
HD	Home Depot, Inc. Consumer Cyclical	Held	897	0	$316,353	+7.2%	0.26%
TSLA	Tesla, Inc. Consumer Cyclical	Held	747	0	$314,188	+13.1%	0.26%
ORCL	Oracle Corp Technology	Reduced	2,101	-2,250	$307,901	−51.9%	0.25%
WMT	Walmart Inc. Consumer Defensive	Added	2,680	+450	$303,536	+9.5%	0.25%
PM	Philip Morris International Inc. Consumer Defensive	Held	1,597	0	$288,913	+9.4%	0.24%
MMM	3M Co Industrials	Held	1,744	0	$282,371	+11.5%	0.23%
RTX	RTX Corp Industrials	Held	1,426	0	$270,554	−1.6%	0.22%
BBIO	BridgeBio Pharma, Inc. Healthcare	Held	3,599	0	$268,053	+0.3%	0.22%
DE	Deere & Co Industrials	Held	422	0	$267,687	+12.6%	0.22%
PNC	Pnc Financial Services Group, Inc. Financial Services	Held	975	0	$240,064	+18.3%	0.20%
TT	Trane Technologies plc Industrials	Held	482	0	$236,739	+17.9%	0.19%
AXP	American Express Co Financial Services	Held	695	0	$235,083	+11.8%	0.19%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.