RETIREMENT INCOME SOLUTIONS, INC

Pension

CIK

1730386

Location

ANN ARBOR, MI

Portfolio Value

Micro $918,547

Diversification

Moderately concentrated

Filing Date

Global Rank

#5,085 / 8,232 ▲ 247

Top Industry

Consumer Electronics 13.4%

3Y Alpha vs SPY

-0.2%

Period ended 2 months ago

Filed May 4, 2026 · 41d

25 quarters · since Mar 2020

Clone Performance

Jun 2023–Jun 2026 · vs SPY

Hypothetical growth of cloning every reported 13F position and rebalancing on each filing, indexed to the same start.

Cloned portfolio

+75.4%

SPY

+76.3%

Annualised alpha

-0.2%

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, 2025

Top 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	Positions
Unclassified	66.0%	$74,375,048	9
Technology	11.2%	$12,602,913	9
Financial Services	5.5%	$6,225,774	8
Consumer Cyclical	3.8%	$4,329,038	4
Healthcare	3.8%	$4,321,854	6
Communication Services	2.9%	$3,248,996	4
Consumer Defensive	2.4%	$2,656,348	6
Industrials	1.5%	$1,681,613	6
Utilities	1.3%	$1,521,474	4
Basic Materials	0.8%	$918,547	3
Energy	0.4%	$502,872	1
Real Estate	0.3%	$342,169	1

Last Quarter's Activity

Export CSV

Mar 31, 2026 vs Dec 31, 2025

Added To

Positions the filer increased

13 positions

Ticker	Company	Δ Shares	Shares	Value
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
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
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
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.

Portfolio Positions

Compact Export CSV View 13F filing

3 positions · $918,547 total · Basic Materials only · as of Mar 31, 2026

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

Ticker	Company	Type	Shares	Value (USD)	% Δ Value	% of Portfolio
ECL	Ecolab Inc. Basic Materials	Held	2,472	$657,601	+1.3%	71.59%
SLI	Standard Lithium Ltd. Basic Materials	Held	53,300	$181,753	−23.7%	19.79%
BTG	B2gold Corp Basic Materials	Held	17,482	$79,193	+0.4%	8.62%