0000950123-23-006416.txt : 20230728 0000950123-23-006416.hdr.sgml : 20230728 20230728130434 ACCESSION NUMBER: 0000950123-23-006416 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230630 FILED AS OF DATE: 20230728 DATE AS OF CHANGE: 20230728 EFFECTIVENESS DATE: 20230728 FILER: COMPANY DATA: COMPANY CONFORMED NAME: RETIREMENT INCOME SOLUTIONS, INC CENTRAL INDEX KEY: 0001730386 IRS NUMBER: 383143018 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-18271 FILM NUMBER: 231121839 BUSINESS ADDRESS: STREET 1: 2301 PLATT ROAD STREET 2: SUITE 300 CITY: ANN ARBOR STATE: MI ZIP: 48104 BUSINESS PHONE: 734-769-7727 MAIL ADDRESS: STREET 1: 2301 PLATT ROAD STREET 2: SUITE 300 CITY: ANN ARBOR STATE: MI ZIP: 48104 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE 0001730386 XXXXXXXX 06-30-2023 06-30-2023 false Retirement Income Solutions, Inc
2301 Platt Road Suite 300 Ann Arbor MI 48104
13F HOLDINGS REPORT 028-18271 000110145 801-71319 N
JOHN B. GOFF MANAGING PARTNER AND CCO 734-769-7727 JOHN B. GOFF ANN ARBOR MI 07-28-2023 0 139 373597961 false
INFORMATION TABLE 2 24957.xml INFORMATION TABLE FOR FORM 13F 3M Co COM 88579Y101 283255 2830 SH SOLE 0 0 2830 ABBOTT LABS COM COM 002824100 680721 6244 SH SOLE 0 0 6244 ABBVIE INC COM COM 00287Y109 871434 6468 SH SOLE 0 0 6468 Alliant Energy COM 018802108 341225 6502 SH SOLE 0 0 6502 Alphabet Inc Cap Stk Class A CAP STK CL A 02079K305 907925 7585 SH SOLE 0 0 7585 Alphabet Inc Cap Stk Class C CAP STK CL C 02079K107 797192 6590 SH SOLE 0 0 6590 Amazon Com Inc COM 023135106 2457156 18849 SH SOLE 0 0 18849 Amgen COM 031162100 382096 1721 SH SOLE 0 0 1721 Apple Inc COM 037833100 3686630 19006 SH SOLE 0 0 19006 Berkshire Hathaway B CL B NEW 084670702 1890504 5544 SH SOLE 0 0 5544 BNY MELLON US LARGE CAP CORE EQUITY ETF US LRG CP CORE 09661T107 799172 9587 SH SOLE 0 0 9587 BOEING CO COM 097023105 221718 1050 SH SOLE 0 0 1050 CF BANKSHARES INC COM 12520L109 276390 18426 SH SOLE 0 0 18426 CHIPOTLE MEXICAN GRIL COM 169656105 218178 102 SH SOLE 0 0 102 COCA COLA CO COM 191216100 709331 11779 SH SOLE 0 0 11779 Colgate-Palmolive COM 194162103 509697 6616 SH SOLE 0 0 6616 Comcast Corp A CL A 20030N101 537491 12936 SH SOLE 0 0 12936 COMMUNITIES FIRST FINL CORP COM 20344D104 234952 3858 SH SOLE 0 0 3858 COSTCO WHOLESALE CORP COM 22160K105 204584 380 SH SOLE 0 0 380 Deutsche MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 602457 17033 SH SOLE 0 0 17033 Dimensional ETF TR U S Core Equity 2 ETF US CORE EQUITY 2 25434V708 411621 15161 SH SOLE 0 0 15161 Dimensional ETF TR World EX U S Core Equity 2 ETF WORLD EX US CORE 25434V880 319137 13691 SH SOLE 0 0 13691 DTE Energy Co COM 233331107 223837 2035 SH SOLE 0 0 2035 EATON CORPORATION PLC SHS G29183103 361578 1798 SH SOLE 0 0 1798 Ecolab COM 278865100 522919 2801 SH SOLE 0 0 2801 Exxon Mobil Corp COM 30231G102 671063 6257 SH SOLE 0 0 6257 FIRST TR LOW DURATION OPPOR ETF FST LOW OPPT EFT 33739Q200 845189 17730 SH SOLE 0 0 17730 GLOBAL X FDS ROBOTICS & ARTIFICIAL INTELL ETF RBTCS ARTFL INTE 37954Y715 435957 15169 SH SOLE 0 0 15169 Home Depot Inc. COM 437076102 282682 910 SH SOLE 0 0 910 Honeywell Intl Inc COM 438516106 614200 2960 SH SOLE 0 0 2960 Innovator ETFS Equity Buffer ETF January US EQTY BUFR JAN 45782C409 254873 6757 SH SOLE 0 0 6757 Innovator ETFS S&P 500 Buffer - Jan S&P 500 Power 45782C508 666844 18993 SH SOLE 0 0 18993 Innovator ETFS TR S&P 500 Power Buffer ETF S&P 500 PWRETF 45782C797 1345929 40213 SH SOLE 0 0 40213 INNOVATOR ETFS TR U S EQUITY BUFFER ETF NOV US EQTY BUF NOV 45782C581 219425 6459 SH SOLE 0 0 6459 Innovator S&P 500 Buffer S&P 500 BUFFER 45782C755 509423 15184 SH SOLE 0 0 15184 Innovator S&P 500 PWR Buffer COM 45782C870 418541 13545 SH SOLE 0 0 13545 Innovator S&P 500 Pwr Buffer S&P 500 POWER 45782C573 1406994 41492 SH SOLE 0 0 41492 Innovator S&P 500 PWR Buffer ETF Mary COM 45782C318 395333 13244 SH SOLE 0 0 13244 Innovator S&P 500 Pwr ETF-June COM 45782C748 302639 9556 SH SOLE 0 0 9556 Innovator S&P 500 PwrBuff Dec S&P 500 PWR BU 45782C540 1706332 51272 SH SOLE 0 0 51272 Innovator TR Equity Pwr Buffer July US EQTY PWR BUF 45782C813 371937 10869 SH SOLE 0 0 10869 Innovator TR Equity Pwr Buffer Sept US EQTY PWR BUF 45782C656 288666 8825 SH SOLE 0 0 8825 International Business Machines COM 459200101 1085199 8110 SH SOLE 0 0 8110 Invesco Clean Energy WILDERHIL CLAN 46137V134 509525 12700 SH SOLE 0 0 12700 IRON MTN INC COM 46284V101 227280 4000 SH SOLE 0 0 4000 ISHARES 1-3 R TREAS BD ETF 1 3 YR TREAS BD 464287457 3419630 42176 SH SOLE 0 0 42176 iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 90607692 203288 SH SOLE 0 0 203288 iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 32980995 126132 SH SOLE 0 0 126132 ISHARES INC ESG AWARE MSCI EM ETF ESG AWR MSCI EM 46434G863 202875 6414 SH SOLE 0 0 6414 ISHARES INC MSCI EMERGING MKTS ASIA ETF MSCI EM ASIA ETF 464286426 455173 6927 SH SOLE 0 0 6927 ISHARES INC MSCI EMERGING MKTS EX CHINA ETF MSCI EMRG CHN 46434G764 321444 6184 SH SOLE 0 0 6184 ISHARES INC MSCI WORLD INDEX FD MSCI WORLD ETF 464286392 496212 3985 SH SOLE 0 0 3985 IShares MSCI 400 Social ETF COM 464288570 1125269 13369 SH SOLE 0 0 13369 iShares MSCI ACWI Index ETF MSCI ACWI ETF 464288257 3522149 36712 SH SOLE 0 0 36712 iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 3362043 46373 SH SOLE 0 0 46373 iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 1681775 42512 SH SOLE 0 0 42512 Ishares Russell 1000 ETF RUS 1000 ETF 464287622 5374711 22051 SH SOLE 0 0 22051 iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 16014650 58197 SH SOLE 0 0 58197 iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 10678380 67657 SH SOLE 0 0 67657 iShares Russell Mid-Cap ETF RUS MID CP ETF 464287499 2002921 27426 SH SOLE 0 0 27426 iShares Russell Mid-Cap Growth ETF RUS MD CP GR ETF 464287481 577074 5972 SH SOLE 0 0 5972 iShares S&P 500 Growth S&P 500 GRWT ETF 464287309 1865394 26467 SH SOLE 0 0 26467 iShares S&P 500 Value ETF S&P 500 VAL ETF 464287408 2482810 15403 SH SOLE 0 0 15403 ISHARES TR 3 7 YR TREAS BD ETF 3 7 YR Treas BD 464288661 5526948 47952 SH SOLE 0 0 47952 ISHARES TR 7-10 YR TREAS BD ETF 7-10 YR TRSY BD 464287440 4932010 51056 SH SOLE 0 0 51056 ISHARES TR BARCLAYS 20 YR TREAS BD ETF 20 YR TR BD ETF 464287432 977209 9493 SH SOLE 0 0 9493 ISHARES TR BIOTECHNOLOGY ETF ISHARES BIOTECH 464287556 259760 2046 SH SOLE 0 0 2046 ISHARES TR CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 226868 3361 SH SOLE 0 0 3361 ISHARES TR CORE S&P U S GROWTH ETF CORE S&P US GWT 464287671 390560 4000 SH SOLE 0 0 4000 ISHARES TR ESG 1-5 YR CORPORATE BD ETF ESG AWRE 1 5 YR 46435G243 288689 12074 SH SOLE 0 0 12074 ISHARES TR ESG AWARE U S AGGREGATE BD ETF ESG AWR US AGRGT 46435U549 1514770 32113 SH SOLE 0 0 32113 ISHARES TR ESG AWARE USD CORPORATE BD ETF ESG AWRE USD ETF 46435G193 473401 20818 SH SOLE 0 0 20818 IShares TR Russell 2000 RUSSELL 2000 ETF 464287655 258994 1383 SH SOLE 0 0 1383 Ishares TR Russell Mid Cap Value RUS MDCP VAL ETF 464287473 855214 7786 SH SOLE 0 0 7786 IsharesMSCI USA ESG Select ETF MSCI USA ESG SLC 464288802 633287 6763 SH SOLE 0 0 6763 Johnson & Johnson COM 478160104 846800 5116 SH SOLE 0 0 5116 JP Morgan Chase COM 46625H100 653026 4490 SH SOLE 0 0 4490 Lam Research Corp COM 512807108 397287 618 SH SOLE 0 0 618 Lilly Eli & Co COM 532457108 498995 1064 SH SOLE 0 0 1064 MASTERCARD INC CL A COM 57636Q104 217102 552 SH SOLE 0 0 552 McDonalds Corp COM 580135101 527589 1768 SH SOLE 0 0 1768 Merck & Co COM 58933Y105 1255905 10884 SH SOLE 0 0 10884 Microsoft Corp COM 594918104 2275148 6681 SH SOLE 0 0 6681 Nushares ESG Mid Cap Value NUVEEN ESG MIDVL 67092P508 525953 17751 SH SOLE 0 0 17751 NUSHARES ETF TR ESG MID-CAP GROWTH ETF NUVEEN ESG MIDCP 67092P409 200653 5141 SH SOLE 0 0 5141 NVIDIA CORP COM 67066G104 355337 840 SH SOLE 0 0 840 Oracle Corp COM 68389X105 512206 4301 SH SOLE 0 0 4301 PepsiCo COM 713448108 825399 4456 SH SOLE 0 0 4456 PFIZER INC COM COM 717081103 318859 8693 SH SOLE 0 0 8693 PowerShares QQQ ETF UNIT SER 1 73935A104 5249566 14210 SH SOLE 0 0 14210 PowerShares Water Resources ETF WATER RES PORT 73935X575 1133665 20104 SH SOLE 0 0 20104 Proctor & Gamble COM 742718109 1021969 6735 SH SOLE 0 0 6735 RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 320917 3276 SH SOLE 0 0 3276 Rydex Guggenheim S&P 500 Equal Weight ETF GUG S&P 500 EQ WT 78355W106 7677686 51308 SH SOLE 0 0 51308 SALESFORCE INC COM 79466L302 319003 1510 SH SOLE 0 0 1510 Schwab Strategic Large Cap Gwth US LCAP GR ETF 808524300 1053048 14050 SH SOLE 0 0 14050 SCHWAB STRATEGIC TR US SMALL-CAP ETF US SML CAP ETF 808524607 201392 4598 SH SOLE 0 0 4598 Schwab Strategic US Large Cap US LRG CAP ETF 808524201 272115 5196 SH SOLE 0 0 5196 Select Sector SPDR TR TECHNOLOGY 81369Y803 2393531 13767 SH SOLE 0 0 13767 Select Sector SPDR TR Energy ENERGY 81369Y506 1145796 14116 SH SOLE 0 0 14116 SELECT SECTOR SPDR TR UTILS SBI INT-UTILS 81369Y886 204958 3132 SH SOLE 0 0 3132 SOUTHERN CO COM COM 842587107 364879 5194 SH SOLE 0 0 5194 SPDR Gold ETF GOLD SHS 78463V107 989399 5550 SH SOLE 0 0 5550 SPDR Index S&P Emerging Mkts ETF PORTFOLIO EMG MK 78463X509 1022117 29730 SH SOLE 0 0 29730 SPDR S&P 400 MID CAP PORTFOLIO MD ETF 78464A847 10981021 239290 SH SOLE 0 0 239290 SPDR S&P 500 ETF TR UNIT 78462F103 37617446 84862 SH SOLE 0 0 84862 SPDR S&P 500 ETF PORTFOLIO LR ETF 78464A854 20173605 387135 SH SOLE 0 0 387135 SPDR S&P 500 FOSSIL SPDR S&P500 ETF 78468R796 11040278 305233 SH SOLE 0 0 305233 SPDR S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508 4246946 98309 SH SOLE 0 0 98309 SPDR S&P Mid-Cap 400 ETF UTSER1 S&PDCRP 78467Y107 5638207 11773 SH SOLE 0 0 11773 SPDR SER TR S&P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A821 219607 3065 SH SOLE 0 0 3065 SPDR SER TR S&P 500 ESG ETF S&P 500 ESG ETF 78468R531 730386 16966 SH SOLE 0 0 16966 SPDR SER TR S&P COMPUTER SOFTWARE ETF COMP SOFTWARE 78464A599 227227 1704 SH SOLE 0 0 1704 SPDR SER TR S&P METALS & MNG ETF S&P METALS MNG 78464A755 773938 15229 SH SOLE 0 0 15229 SPDR SER TR S&P TRANSN ETF S&P TRANSN ETF 78464A532 232546 2777 SH SOLE 0 0 2777 SPDR TR S&P 500 Growth PRTFLO S&P500 GW 78464A409 3406188 55830 SH SOLE 0 0 55830 STANDARD LITHIUM CP COM 853606101 280760 62650 SH SOLE 0 0 62650 Thermo Fisher Scientific COM 883556102 230614 442 SH SOLE 0 0 442 TRI CONTL CORP COM COM 895436103 475134 17328 SH SOLE 0 0 17328 UNION PAC CORP COM COM 907818108 246772 1206 SH SOLE 0 0 1206 VANECK ETF TR AMT-FREE LONG MUN INDEX ETF LONG MUNI ETF 92189F536 230658 12850 SH SOLE 0 0 12850 Vanguard Growth ETF GROWTH ETF 922908736 1401784 4954 SH SOLE 0 0 4954 VANGUARD INDEX FDS MID-CAP VALUE ETF MCAP VL IDXVIP 922908512 374871 2709 SH SOLE 0 0 2709 VANGUARD INDEX FDS VANGUARD EXTENDED MKT ETF EXTEND MKT ETF 922908652 298999 2009 SH SOLE 0 0 2009 VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 1246565 5659 SH SOLE 0 0 5659 Vanguard Intl Equity Emerging Mkts ETF FTSE EMR MKT ETF 922042858 213000 5236 SH SOLE 0 0 5236 VANGUARD INTL FD FTSE DEVELOPED MKTS ETF VAN FTSE DEV MKT 921943858 204162 4421 SH SOLE 0 0 4421 VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637 668165 3296 SH SOLE 0 0 3296 Vanguard Mid-Cap ETF MID CAP ETF 922908629 4568320 20750 SH SOLE 0 0 20750 Vanguard Russell 1000 Index VNG RUS1000IDX 92206C730 589765 2926 SH SOLE 0 0 2926 Vanguard S&P 500 ETF S&P500 ETF SHS 922908363 1688176 4145 SH SOLE 0 0 4145 Vanguard Value ETF VALUE ETF 922908744 962870 6776 SH SOLE 0 0 6776 Vanguard Whitehall High Div Yld ETF HIGH DIV YLD 921946406 538942 5081 SH SOLE 0 0 5081 VANGUARD WORLD VANGUARD CON STAPLES ETF CONSUM STP ETF 92204A207 235868 1213 SH SOLE 0 0 1213 VISA INC COM 92826C839 378306 1593 SH SOLE 0 0 1593 Walt Disney Company COM 254687106 413099 4627 SH SOLE 0 0 4627 Wedbush Video Game Tech ETF WEDBUSH VID GAME 26924G706 260415 4286 SH SOLE 0 0 4286 World Gold TR Minishares ETF SWPD GLD MINIS 98149E204 5496654 144307 SH SOLE 0 0 144307 Zomedica Corp COM 98980M109 8229 41143 SH SOLE 0 0 41143