0000950123-23-003832.txt : 20230505 0000950123-23-003832.hdr.sgml : 20230505 20230505123356 ACCESSION NUMBER: 0000950123-23-003832 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230331 FILED AS OF DATE: 20230505 DATE AS OF CHANGE: 20230505 EFFECTIVENESS DATE: 20230505 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: 23892408 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 03-31-2023 03-31-2023 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 05-05-2023 0 134 342926400 false
INFORMATION TABLE 2 22748.xml INFORMATION TABLE FOR FORM 13F 3M Co COM 88579Y101 326367 3105 SH SOLE 0 0 3105 ABBOTT LABS COM COM 002824100 632267 6244 SH SOLE 0 0 6244 ABBVIE INC COM COM 00287Y109 998931 6268 SH SOLE 0 0 6268 Alliant Energy COM 018802108 347207 6502 SH SOLE 0 0 6502 Alphabet Inc Cap Stk Class A CAP STK CL A 02079K305 785755 7575 SH SOLE 0 0 7575 Alphabet Inc Cap Stk Class C CAP STK CL C 02079K107 678080 6520 SH SOLE 0 0 6520 Amazon Com Inc COM 023135106 1884010 18240 SH SOLE 0 0 18240 Amgen COM 031162100 379789 1571 SH SOLE 0 0 1571 Apple Inc COM 037833100 2929806 17767 SH SOLE 0 0 17767 Berkshire Hathaway B CL B NEW 084670702 1700088 5506 SH SOLE 0 0 5506 BNY MELLON US LARGE CAP CORE EQUITY ETF US LRG CP CORE 09661T107 941671 12366 SH SOLE 0 0 12366 BOEING CO COM 097023105 236859 1115 SH SOLE 0 0 1115 CF BANKSHARES INC COM 12520L109 359307 18426 SH SOLE 0 0 18426 CHEVRON CORP COM 166764100 223366 1369 SH SOLE 0 0 1369 CINCINNATI FINL CORP COM 172062101 218556 1950 SH SOLE 0 0 1950 COCA COLA CO COM 191216100 730651 11779 SH SOLE 0 0 11779 Colgate-Palmolive COM 194162103 546942 7278 SH SOLE 0 0 7278 Comcast Corp A CL A 20030N101 475240 12536 SH SOLE 0 0 12536 COMMUNITIES FIRST FINL CORP COM 20344D104 242668 3858 SH SOLE 0 0 3858 Deutsche MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 599562 17033 SH SOLE 0 0 17033 Dimensional ETF TR U S Core Equity 2 ETF US CORE EQUITY 2 25434V708 386302 15161 SH SOLE 0 0 15161 Dimensional ETF TR World EX U S Core Equity 2 ETF WORLD EX US CORE 25434V880 315714 13691 SH SOLE 0 0 13691 DTE Energy Co COM 233331107 307302 2805 SH SOLE 0 0 2805 EATON CORPORATION PLC SHS G29183103 308069 1798 SH SOLE 0 0 1798 Ecolab COM 278865100 455373 2751 SH SOLE 0 0 2751 Exxon Mobil Corp COM 30231G102 686143 6257 SH SOLE 0 0 6257 FIRST TR LOW DURATION OPPOR ETF FST LOW OPPT EFT 33739Q200 845719 17667 SH SOLE 0 0 17667 Home Depot Inc. COM 437076102 268559 910 SH SOLE 0 0 910 Honeywell Intl Inc COM 438516106 565715 2960 SH SOLE 0 0 2960 Innovator ETFS Equity Buffer ETF January US EQTY BUFR JAN 45782C409 237576 6757 SH SOLE 0 0 6757 Innovator ETFS S&P 500 Buffer - Jan S&P 500 Power 45782C508 630758 18993 SH SOLE 0 0 18993 Innovator ETFS TR S&P 500 Power Buffer ETF S&P 500 PWRETF 45782C797 1381883 43689 SH SOLE 0 0 43689 INNOVATOR ETFS TR U S EQUITY BUFFER ETF NOV US EQTY BUF NOV 45782C581 204137 6459 SH SOLE 0 0 6459 Innovator S&P 500 Buffer S&P 500 BUFFER 45782C755 485888 15184 SH SOLE 0 0 15184 Innovator S&P 500 PWR Buffer COM 45782C870 398223 13545 SH SOLE 0 0 13545 Innovator S&P 500 Pwr Buffer S&P 500 POWER 45782C573 1319446 41492 SH SOLE 0 0 41492 Innovator S&P 500 PWR Buffer ETF Mary COM 45782C318 381692 13244 SH SOLE 0 0 13244 Innovator S&P 500 Pwr ETF-June COM 45782C748 294089 9556 SH SOLE 0 0 9556 Innovator S&P 500 PwrBuff Dec S&P 500 PWR BU 45782C540 1597251 50787 SH SOLE 0 0 50787 Innovator TR Equity Pwr Buffer July US EQTY PWR BUF 45782C813 343895 10869 SH SOLE 0 0 10869 Innovator TR Equity Pwr Buffer Sept US EQTY PWR BUF 45782C656 270751 8825 SH SOLE 0 0 8825 International Business Machines COM 459200101 1063140 8110 SH SOLE 0 0 8110 Invesco Clean Energy WILDERHIL CLAN 46137V134 605302 14979 SH SOLE 0 0 14979 IRON MTN INC COM 46284V101 211640 4000 SH SOLE 0 0 4000 ISHARES 1-3 R TREAS BD ETF 1 3 YR TREAS BD 464287457 3604195 43868 SH SOLE 0 0 43868 iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 80534043 195908 SH SOLE 0 0 195908 iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 30818461 123195 SH SOLE 0 0 123195 ISHARES INC MSCI EMERGING MKTS ASIA ETF MSCI EM ASIA ETF 464286426 543428 8178 SH SOLE 0 0 8178 ISHARES INC MSCI EMERGING MKTS EX CHINA ETF MSCI EMRG CHN 46434G764 305057 6184 SH SOLE 0 0 6184 ISHARES INC MSCI WORLD INDEX FD MSCI WORLD ETF 464286392 468915 3985 SH SOLE 0 0 3985 IShares MSCI 400 Social ETF COM 464288570 899537 11534 SH SOLE 0 0 11534 iShares MSCI ACWI Index ETF MSCI ACWI ETF 464288257 3288870 36078 SH SOLE 0 0 36078 iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 2896846 40504 SH SOLE 0 0 40504 iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 1389466 35212 SH SOLE 0 0 35212 Ishares Russell 1000 ETF RUS 1000 ETF 464287622 5094477 22619 SH SOLE 0 0 22619 iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 14149150 57910 SH SOLE 0 0 57910 iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 10470894 68770 SH SOLE 0 0 68770 iShares Russell Mid-Cap ETF RUS MID CP ETF 464287499 1917626 27426 SH SOLE 0 0 27426 iShares Russell Mid-Cap Growth ETF RUS MD CP GR ETF 464287481 543751 5972 SH SOLE 0 0 5972 iShares S&P 500 Growth S&P 500 GRWT ETF 464287309 1690977 26467 SH SOLE 0 0 26467 iShares S&P 500 Value ETF S&P 500 VAL ETF 464287408 2337559 15403 SH SOLE 0 0 15403 ISHARES TR 3 7 YR TREAS BD ETF 3 7 YR Treas BD 464288661 5640965 47947 SH SOLE 0 0 47947 ISHARES TR 7-10 YR TREAS BD ETF 7-10 YR TRSY BD 464287440 4924876 49686 SH SOLE 0 0 49686 ISHARES TR BARCLAYS 20 YR TREAS BD ETF 20 YR TR BD ETF 464287432 1130181 10625 SH SOLE 0 0 10625 ISHARES TR BIOTECHNOLOGY ETF ISHARES BIOTECH 464287556 264261 2046 SH SOLE 0 0 2046 ISHARES TR CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 224683 3361 SH SOLE 0 0 3361 ISHARES TR CORE S&P U S GROWTH ETF CORE S&P US GWT 464287671 355080 4000 SH SOLE 0 0 4000 ISHARES TR ESG 1-5 YR CORPORATE BD ETF ESG AWRE 1 5 YR 46435G243 290500 12074 SH SOLE 0 0 12074 ISHARES TR ESG AWARE U S AGGREGATE BD ETF ESG AWR US AGRGT 46435U549 1437571 29912 SH SOLE 0 0 29912 ISHARES TR ESG AWARE USD CORPORATE BD ETF ESG AWRE USD ETF 46435G193 379471 16488 SH SOLE 0 0 16488 ISHARES TR NATL MUN BD ETF FD NATIONAL MUN ETF 464288414 210201 1951 SH SOLE 0 0 1951 IShares TR Russell 2000 RUSSELL 2000 ETF 464287655 246727 1383 SH SOLE 0 0 1383 Ishares TR Russell Mid Cap Value RUS MDCP VAL ETF 464287473 826873 7786 SH SOLE 0 0 7786 IsharesMSCI USA ESG Select ETF MSCI USA ESG SLC 464288802 569540 6489 SH SOLE 0 0 6489 Johnson & Johnson COM 478160104 805070 5194 SH SOLE 0 0 5194 JP Morgan Chase COM 46625H100 585092 4490 SH SOLE 0 0 4490 Lam Research Corp COM 512807108 327614 618 SH SOLE 0 0 618 Lilly Eli & Co COM 532457108 365399 1064 SH SOLE 0 0 1064 McDonalds Corp COM 580135101 494350 1768 SH SOLE 0 0 1768 Merck & Co COM 58933Y105 1173907 11034 SH SOLE 0 0 11034 Microsoft Corp COM 594918104 1974567 6849 SH SOLE 0 0 6849 NEXTERA ENERGY INC COM COM 65339F101 271938 3528 SH SOLE 0 0 3528 Nushares ESG Mid Cap Value NUVEEN ESG MIDVL 67092P508 528299 18408 SH SOLE 0 0 18408 NVIDIA CORP COM 67066G104 223883 806 SH SOLE 0 0 806 Oracle Corp COM 68389X105 393145 4231 SH SOLE 0 0 4231 PepsiCo COM 713448108 871611 4781 SH SOLE 0 0 4781 PFIZER INC COM COM 717081103 415874 10193 SH SOLE 0 0 10193 PowerShares QQQ ETF UNIT SER 1 73935A104 4142885 12909 SH SOLE 0 0 12909 PowerShares Water Resources ETF WATER RES PORT 73935X575 1072548 20104 SH SOLE 0 0 20104 Proctor & Gamble COM 742718109 1001427 6735 SH SOLE 0 0 6735 RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 320819 3276 SH SOLE 0 0 3276 Rydex Guggenheim S&P 500 Equal Weight ETF GUG S&P 500 EQ WT 78355W106 7683619 53130 SH SOLE 0 0 53130 SALESFORCE INC COM 79466L302 301668 1510 SH SOLE 0 0 1510 Schwab Strategic Large Cap Gwth US LCAP GR ETF 808524300 915639 14050 SH SOLE 0 0 14050 SCHWAB STRATEGIC TR US SMALL-CAP ETF US SML CAP ETF 808524607 297829 7103 SH SOLE 0 0 7103 Schwab Strategic US Large Cap US LRG CAP ETF 808524201 251331 5196 SH SOLE 0 0 5196 Select Sector SPDR TR TECHNOLOGY 81369Y803 2104777 13938 SH SOLE 0 0 13938 Select Sector SPDR TR Energy ENERGY 81369Y506 1161028 14017 SH SOLE 0 0 14017 SOUTHERN CO COM COM 842587107 361399 5194 SH SOLE 0 0 5194 SPDR Gold ETF GOLD SHS 78463V107 1016871 5550 SH SOLE 0 0 5550 SPDR Index S&P Emerging Mkts ETF PORTFOLIO EMG MK 78463X509 1398135 40965 SH SOLE 0 0 40965 SPDR S&P 400 MID CAP PORTFOLIO MD ETF 78464A847 10398240 236646 SH SOLE 0 0 236646 SPDR S&P 500 ETF TR UNIT 78462F103 33268742 81264 SH SOLE 0 0 81264 SPDR S&P 500 ETF PORTFOLIO LR ETF 78464A854 18347796 381055 SH SOLE 0 0 381055 SPDR S&P 500 FOSSIL SPDR S&P500 ETF 78468R796 10129391 304735 SH SOLE 0 0 304735 SPDR S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508 4023675 98813 SH SOLE 0 0 98813 SPDR S&P Mid-Cap 400 ETF UTSER1 S&PDCRP 78467Y107 5468373 11929 SH SOLE 0 0 11929 SPDR SER TR S&P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A821 209769 3065 SH SOLE 0 0 3065 SPDR SER TR S&P 500 ESG ETF S&P 500 ESG ETF 78468R531 570592 14471 SH SOLE 0 0 14471 SPDR SER TR S&P COMPUTER SOFTWARE ETF COMP SOFTWARE 78464A599 209711 1704 SH SOLE 0 0 1704 SPDR SER TR S&P METALS & MNG ETF S&P METALS MNG 78464A755 897341 16880 SH SOLE 0 0 16880 SPDR SER TR S&P TRANSN ETF S&P TRANSN ETF 78464A532 201249 2777 SH SOLE 0 0 2777 SPDR TR S&P 500 Growth PRTFLO S&P500 GW 78464A409 2960155 53471 SH SOLE 0 0 53471 STANDARD LITHIUM CP COM 853606101 236560 62650 SH SOLE 0 0 62650 Thermo Fisher Scientific COM 883556102 254756 442 SH SOLE 0 0 442 TRI CONTL CORP COM COM 895436103 459342 17301 SH SOLE 0 0 17301 UNION PAC CORP COM COM 907818108 258820 1286 SH SOLE 0 0 1286 Vanguard Growth ETF GROWTH ETF 922908736 1235726 4954 SH SOLE 0 0 4954 VANGUARD INDEX FDS MID-CAP VALUE ETF MCAP VL IDXVIP 922908512 363196 2709 SH SOLE 0 0 2709 VANGUARD INDEX FDS VANGUARD EXTENDED MKT ETF EXTEND MKT ETF 922908652 281662 2009 SH SOLE 0 0 2009 VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 452082 2215 SH SOLE 0 0 2215 Vanguard Intl Equity Emerging Mkts ETF FTSE EMR MKT ETF 922042858 500354 12385 SH SOLE 0 0 12385 VANGUARD INTL FD FTSE DEVELOPED MKTS ETF VAN FTSE DEV MKT 921943858 202000 4472 SH SOLE 0 0 4472 VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637 615726 3296 SH SOLE 0 0 3296 Vanguard Mid-Cap ETF MID CAP ETF 922908629 4376590 20750 SH SOLE 0 0 20750 Vanguard Russell 1000 Index VNG RUS1000IDX 92206C730 580977 3118 SH SOLE 0 0 3118 Vanguard S&P 500 ETF S&P500 ETF SHS 922908363 1558810 4145 SH SOLE 0 0 4145 Vanguard Value ETF VALUE ETF 922908744 935833 6776 SH SOLE 0 0 6776 Vanguard Whitehall High Div Yld ETF HIGH DIV YLD 921946406 545752 5173 SH SOLE 0 0 5173 VISA INC COM 92826C839 219824 975 SH SOLE 0 0 975 Walt Disney Company COM 254687106 490136 4895 SH SOLE 0 0 4895 Wedbush Video Game Tech ETF WEDBUSH VID GAME 26924G706 262143 4286 SH SOLE 0 0 4286 World Gold TR Minishares ETF SWPD GLD MINIS 98149E204 5685773 145379 SH SOLE 0 0 145379 Zomedica Corp COM 98980M109 8710 41143 SH SOLE 0 0 41143