RETIREMENT INCOME SOLUTIONS, INC
PensionCIK
1730386
Location
ANN ARBOR, MI
Portfolio Value
Small
$112,726,646
Diversification
Moderately concentrated
Filing Date
Global Rank
#5,085
/ 8,232
▲ 247
Top Industry
Consumer Electronics
13.4%
3Y Alpha vs SPY
-0.3%
Period ended 2 months ago
Filed May 4, 2026 · 40d
25 quarters · since Mar 2020
Clone Performance
Jun 2023–Jun 2026 · vs SPYHypothetical growth of cloning every reported 13F position and rebalancing on each filing, indexed to the same start.
Cloned portfolio
+75.4%
SPY
+76.5%
Annualised alpha
-0.3%
Max drawdown
−17.0%
Estimate. 13F holdings are quarter-lagged and long-only, so the clone rebalances about 45 days after each period end — when the filing becomes public — and excludes options and short positions. Past performance does not predict future results.
Portfolio Concentration
61 positions · as of Mar 31, 2026 · Δ vs Dec 31, 2025Top Position
40.3%
−0.9 pts
Top 5
67.9%
−0.0 pts
Top 10
79.5%
−1.2 pts
HHI
1,874
Moderately concentrated−56
Portfolio Trend
25 quarters · across all stocks
Sector Breakdown
As of Mar 31, 2026| Sector | % Portfolio | Value |
|---|---|---|
| Unclassified | 66.0% | $74,375,048 |
| Technology | 11.2% | $12,602,913 |
| Financial Services | 5.5% | $6,225,774 |
| Consumer Cyclical | 3.8% | $4,329,038 |
| Healthcare | 3.8% | $4,321,854 |
| Communication Services | 2.9% | $3,248,996 |
| Consumer Defensive | 2.4% | $2,656,348 |
| Industrials | 1.5% | $1,681,613 |
| Utilities | 1.3% | $1,521,474 |
| Basic Materials | 0.8% | $918,547 |
| Energy | 0.4% | $502,872 |
| Real Estate | 0.3% | $342,169 |
Last Quarter's Activity
Export CSVAdded To
Positions the filer increased
13 positions
| Ticker | Company | Δ Shares | Shares | Value | Open |
|---|---|---|---|---|---|
| VLY | Valley National Bancorp | +5,341 | 42,438 | $521,138 | |
| IAU | Ishares Gold Trust | +4,007 | 7,179 | $632,900 | |
| LLY | ELI LILLY & Co | +241 | 1,884 | $1,732,846 | |
| MCD | Mcdonalds Corp | +188 | 1,050 | $326,329 | |
| ABBV | AbbVie Inc. | +145 | 1,334 | $290,131 | |
| GOOGL | Alphabet Inc. | +142 | 8,584 | $2,468,415 | |
| PM | Philip Morris International Inc. | +140 | 1,597 | $264,047 | |
| JPM | Jpmorgan Chase & Co | +99 | 4,083 | $1,201,055 | |
| PG | PROCTER & GAMBLE Co | +83 | 4,929 | $711,944 | |
| DTE | Dte Energy Co | +37 | 2,472 | $361,455 | |
| KO | Coca Cola Co | +26 | 10,661 | $810,769 | |
| V | Visa Inc. | +20 | 1,132 | $342,135 | |
| COST | Costco Wholesale Corp /New | +10 | 388 | $386,614 | |
| No positions match the current search. | |||||
Trimmed
Positions the filer reduced
22 positions
| Ticker | Company | Δ Shares | Shares | Value | Open |
|---|---|---|---|---|---|
| GLDM | World Gold Trust | −1,724 | 129,822 | $12,033,201 | |
| FBTC | Fidelity Wise Origin Bitcoin Fund | −1,045 | 4,296 | $253,592 | |
| AMZN | Amazon Com Inc | −916 | 16,469 | $3,429,998 | |
| SPY | Spdr S&P 500 ETF Trust | −600 | 69,780 | $45,380,725 | |
| AAPL | Apple Inc. | −312 | 20,218 | $5,131,126 | |
| LRCX | Lam Research Corp | −297 | 4,175 | $892,030 | |
| PLTR | Palantir Technologies Inc. | −257 | 3,180 | $465,170 | |
| XOM | Exxon Mobil Corp | −169 | 2,964 | $502,872 | |
| PNC | Pnc Financial Services Group, Inc. | −128 | 975 | $202,887 | |
| MRK | Merck & Co., Inc. | −127 | 5,920 | $712,116 | |
| BRK-B | Berkshire Hathaway Inc | −123 | 6,492 | $3,110,966 | |
| MSFT | Microsoft Corp | −112 | 6,336 | $2,345,397 | |
| MMM | 3M Co | −100 | 1,744 | $253,281 | |
| MDY | Spdr S&P Midcap 400 ETF Trust | −95 | 10,228 | $6,308,221 | |
| QQQ | Invesco Qqq Trust, Series 1 | −94 | 13,302 | $7,677,648 | |
| RTX | RTX Corp | −82 | 1,426 | $275,075 | |
| ETN | Eaton Corp plc | −45 | 1,430 | $511,468 | |
| IBM | International Business Machines Corp | −45 | 2,524 | $611,792 | |
| JNJ | Johnson & Johnson | −27 | 3,285 | $802,985 | |
| GLD | Spdr Gold Trust | −17 | 3,698 | $1,591,212 | |
| AMGN | Amgen Inc | −17 | 1,468 | $516,515 | |
| HD | Home Depot, Inc. | −11 | 897 | $295,014 | |
| No positions match the current search. | |||||
New Positions
Positions the filer opened this quarter
7 positions
| Ticker | Company | Shares | Value | Open |
|---|---|---|---|---|
| NEE | Nextera Energy Inc | 3,649 | $338,919 | |
| BAR | GraniteShares Gold Trust | 5,446 | $251,223 | |
| SLV | iShares Silver Trust | 3,615 | $246,326 | |
| DE | Deere & Co | 422 | $237,712 | |
| CL | Colgate Palmolive Co | 2,415 | $205,830 | |
| META | Meta Platforms, Inc. | 353 | $201,961 | |
| TT | Trane Technologies plc | 482 | $200,868 | |
| No positions match the current search. | ||||
Sold Out
Positions the filer fully exited
6 positions
| Ticker | Company | Shares | Value | Open |
|---|---|---|---|---|
| SYK | Stryker Corp | 794 | $279,067 | |
| TMO | Thermo Fisher Scientific Inc. | 408 | $236,415 | |
| PANW | Palo Alto Networks Inc | 1,230 | $226,566 | |
| COF | Capital One Financial Corp | 919 | $222,728 | |
| AMD | Advanced Micro Devices Inc | 1,000 | $214,160 | |
| TY | TRI-CONTINENTAL Corp | 6,213 | $202,916 | |
| No positions match the current search. | ||||
61 positions ·
$112,726,646 total
· as of Mar 31, 2026
All sectors
Basic Materials
Communication Services
Consumer Cyclical
Consumer Defensive
Energy
Financial Services
Healthcare
Industrials
Real Estate
Technology
Utilities
Showing 1–50
of 61 positions by value
· page 1 of 2
| Ticker | Company | Type | Shares | Value (USD) | % of Portfolio | History |
|---|---|---|---|---|---|---|
| SPY |
Spdr S&P 500 ETF Trust
|
Reduced | 69,780 | $45,380,725 | 40.26% | |
| GLDM |
World Gold Trust
|
Reduced | 129,822 | $12,033,201 | 10.67% | |
| QQQ |
Invesco Qqq Trust, Series 1
|
Reduced | 13,302 | $7,677,648 | 6.81% | |
| MDY |
Spdr S&P Midcap 400 ETF Trust
|
Reduced | 10,228 | $6,308,221 | 5.60% | |
| AAPL |
Apple Inc.
Technology
|
Reduced | 20,218 | $5,131,126 | 4.55% | |
| AMZN |
Amazon Com Inc
Consumer Cyclical
|
Reduced | 16,469 | $3,429,998 | 3.04% | |
| BRK-B |
Berkshire Hathaway Inc
Financial Services
|
Reduced | 6,492 | $3,110,966 | 2.76% | |
| GOOGL |
Alphabet Inc.
Communication Services
|
Added | 8,584 | $2,468,415 | 2.19% | |
| MSFT |
Microsoft Corp
Technology
|
Reduced | 6,336 | $2,345,397 | 2.08% | |
| LLY |
ELI LILLY & Co
Healthcare
|
Added | 1,884 | $1,732,846 | 1.54% | |
| NVDA |
Nvidia Corp
Technology
|
Held | 9,871 | $1,721,502 | 1.53% | |
| GLD |
Spdr Gold Trust
|
Reduced | 3,698 | $1,591,212 | 1.41% | |
| JPM |
Jpmorgan Chase & Co
Financial Services
|
Added | 4,083 | $1,201,055 | 1.07% | |
| LRCX |
Lam Research Corp
Technology
|
Reduced | 4,175 | $892,030 | 0.79% | |
| KO |
Coca Cola Co
Consumer Defensive
|
Added | 10,661 | $810,769 | 0.72% | |
| JNJ |
Johnson & Johnson
Healthcare
|
Reduced | 3,285 | $802,985 | 0.71% | |
| MRK |
Merck & Co., Inc.
Healthcare
|
Reduced | 5,920 | $712,116 | 0.63% | |
| PG |
PROCTER & GAMBLE Co
Consumer Defensive
|
Added | 4,929 | $711,944 | 0.63% | |
| ECL |
Ecolab Inc.
Basic Materials
|
Held | 2,472 | $657,601 | 0.58% | |
| ORCL |
Oracle Corp
Technology
|
Held | 4,351 | $640,075 | 0.57% | |
| IAU |
Ishares Gold Trust
|
Added | 7,179 | $632,900 | 0.56% | |
| IBM |
International Business Machines Corp
Technology
|
Reduced | 2,524 | $611,792 | 0.54% | |
| AVGO |
Broadcom Inc.
Technology
|
Held | 1,713 | $530,190 | 0.47% | |
| VLY |
Valley National Bancorp
Financial Services
|
Added | 42,438 | $521,138 | 0.46% | |
| AMGN |
Amgen Inc
Healthcare
|
Reduced | 1,468 | $516,515 | 0.46% | |
| ETN |
Eaton Corp plc
Industrials
|
Reduced | 1,430 | $511,468 | 0.45% | |
| XOM |
Exxon Mobil Corp
Energy
|
Reduced | 2,964 | $502,872 | 0.45% | |
| LNT |
Alliant Energy Corp
Utilities
|
Held | 6,502 | $466,583 | 0.41% | |
| PLTR |
Palantir Technologies Inc.
Technology
|
Reduced | 3,180 | $465,170 | 0.41% | |
| COST |
Costco Wholesale Corp /New
Consumer Defensive
|
Added | 388 | $386,614 | 0.34% | |
| DTE |
Dte Energy Co
Utilities
|
Added | 2,472 | $361,455 | 0.32% | |
| DIS |
Walt Disney Co
Communication Services
|
Held | 3,719 | $358,437 | 0.32% | |
| SO |
Southern Co
Utilities
|
Held | 3,673 | $354,517 | 0.31% | |
| IRM |
Iron Mountain Inc
Real Estate
|
Held | 3,350 | $342,169 | 0.30% | |
| V |
Visa Inc.
Financial Services
|
Added | 1,132 | $342,135 | 0.30% | |
| NEE |
Nextera Energy Inc
Utilities
|
NEW | 3,649 | $338,919 | 0.30% | |
| CFBK |
Cf Bankshares Inc.
Financial Services
|
Held | 11,843 | $330,538 | 0.29% | |
| MCD |
Mcdonalds Corp
Consumer Cyclical
|
Added | 1,050 | $326,329 | 0.29% | |
| CINF |
Cincinnati Financial Corp
Financial Services
|
Held | 1,950 | $306,832 | 0.27% | |
| HD |
Home Depot, Inc.
Consumer Cyclical
|
Reduced | 897 | $295,014 | 0.26% | |
| ABBV |
AbbVie Inc.
Healthcare
|
Added | 1,334 | $290,131 | 0.26% | |
| TSLA |
Tesla, Inc.
Consumer Cyclical
|
Held | 747 | $277,697 | 0.25% | |
| WMT |
Walmart Inc.
Consumer Defensive
|
Held | 2,230 | $277,144 | 0.25% | |
| RTX |
RTX Corp
Industrials
|
Reduced | 1,426 | $275,075 | 0.24% | |
| BBIO |
BridgeBio Pharma, Inc.
Healthcare
|
Held | 3,599 | $267,261 | 0.24% | |
| CRM |
Salesforce, Inc.
Technology
|
Held | 1,423 | $265,631 | 0.24% | |
| PM |
Philip Morris International Inc.
Consumer Defensive
|
Added | 1,597 | $264,047 | 0.23% | |
| FBTC |
Fidelity Wise Origin Bitcoin Fund
|
Reduced | 4,296 | $253,592 | 0.22% | |
| MMM |
3M Co
Industrials
|
Reduced | 1,744 | $253,281 | 0.22% | |
| BAR |
GraniteShares Gold Trust
|
NEW | 5,446 | $251,223 | 0.22% |