MANAGING PARTNER

0000950123-24-001095.txt : 20240208 0000950123-24-001095.hdr.sgml : 20240208 20240208090821 ACCESSION NUMBER: 0000950123-24-001095 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20231231 FILED AS OF DATE: 20240208 DATE AS OF CHANGE: 20240208 EFFECTIVENESS DATE: 20240208 FILER: COMPANY DATA: COMPANY CONFORMED NAME: RETIREMENT INCOME SOLUTIONS, INC CENTRAL INDEX KEY: 0001730386 ORGANIZATION NAME: 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: 24607059 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 12-31-2023 12-31-2023 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 734-769-7727 JOHN B. GOFF ANN ARBOR MI 02-07-2024 0 143 402285976 false INFORMATION TABLE 2 30044.xml INFORMATION TABLE FOR FORM 13F Apple Inc COM 037833100 3650795 18962 SH SOLE 0 0 18962 iShares MSCI ACWI Index ETF MSCI ACWI ETF 464288257 3979716 39105 SH SOLE 0 0 39105 Amgen COM 031162100 452479 1571 SH SOLE 0 0 1571 Amazon Com Inc COM 023135106 2911930 19165 SH SOLE 0 0 19165 American Centy TR Avantis Intl Equity ETF INTL EQT ETF 025072703 306320 5069 SH SOLE 0 0 5069 Boeing Co COM 097023105 273693 1050 SH SOLE 0 0 1050 Innovator ETFS Equity Buffer ETF January US EQTY BUFR JAN 45782C409 276067 6757 SH SOLE 0 0 6757 Innovator S&P 500 Buffer ETF Jul US EQTY BUFR JUL 45782C789 201998 5368 SH SOLE 0 0 5368 Innovator S&P 500 Buffer S&P 500 BUFFER 45782C755 542019 15184 SH SOLE 0 0 15184 BNY Mellon US Large Cap Core Equity ETF US LRG CP CORE 09661T107 866665 9587 SH SOLE 0 0 9587 Innovator S&P 500 Buffer ETF Nov US EQTY BUF NOV 45782C581 225477 6459 SH SOLE 0 0 6459 Berkshire Hathaway B CL B NEW 084670702 2017269 5656 SH SOLE 0 0 5656 Invesco BulletShares 2030 Corp Bd ETF INVSCO 30 CORP 46138J460 198639 11941 SH SOLE 0 0 11941 CF Bankshares Inc COM 12520L109 359307 18426 SH SOLE 0 0 18426 Cincinnati Finl Corp COM 172062101 201747 1950 SH SOLE 0 0 1950 Colgate-Palmolive COM 194162103 527361 6616 SH SOLE 0 0 6616 Comcast Corp A CL A 20030N101 476386 10864 SH SOLE 0 0 10864 Chipotle Mexican Grill COM 169656105 233270 102 SH SOLE 0 0 102 CONOCOPHILLIPS COM COM 20825C104 202542 1745 SH SOLE 0 0 1745 Costco Wholesale Corp COM 22160K105 252151 382 SH SOLE 0 0 382 ISHARES TR MSCI ACWI LOW CARBON TARGET ETF MSCI LW CRB TG 46434V464 202542 1224 SH SOLE 0 0 1224 SALESFORCE INC COM 79466L302 397341 1510 SH SOLE 0 0 1510 DBX XTRACKERS MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 601036 16253 SH SOLE 0 0 16253 Dimensional ETF TR U S Core Equity 2 ETF US CORE EQUITY 2 25434V708 443156 15161 SH SOLE 0 0 15161 Dimensional ETF TR World EX U S Core Equity 2 ETF WORLD EX US CORE 25434V880 334334 13691 SH SOLE 0 0 13691 Walt Disney Company COM 254687106 427252 4732 SH SOLE 0 0 4732 IShares MSCI 400 Social ETF COM 464288570 1217247 13369 SH SOLE 0 0 13369 DTE Energy Co COM 233331107 304690 2763 SH SOLE 0 0 2763 ISHARES TR ESG AWARE U S AGGREGATE BD ETF ESG AWR US AGRGT 46435U549 1420742 29760 SH SOLE 0 0 29760 Ecolab COM 278865100 545661 2751 SH SOLE 0 0 2751 iShares MSCI Emerging Markets ETF MSCI EMG MKT ETF 464287234 1506588 37468 SH SOLE 0 0 37468 ISHARES INC MSCI EMERGING MKTS ASIA ETF MSCI EM ASIA ETF 464286426 281959 4265 SH SOLE 0 0 4265 iShares MSCI EAFE ETF MSCI EAFE ETF 464287465 3338532 44307 SH SOLE 0 0 44307 SPDR SER TR S&P 500 ESG ETF S&P 500 ESG ETF 78468R531 940724 20362 SH SOLE 0 0 20362 ISHARES INC MSCI EMERGING MKTS EX CHINA ETF MSCI EMRG CHN 46434G764 342655 6184 SH SOLE 0 0 6184 ISHARES INC ESG AWARE MSCI EM ET ESG AWR MSCI EM 46434G863 205633 6414 SH SOLE 0 0 6414 ISHARES TR ESG AWARE MSCI USA ETF COM 46435G425 1429850 13628 SH SOLE 0 0 13628 Eaton Corporation PLC SHS G29183103 354728 1473 SH SOLE 0 0 1473 Amplify Video Game Tech ETF WEDBUSH VID GAME 032108615 253747 4286 SH SOLE 0 0 4286 SPDR Gold ETF GOLD SHS 78463V107 1052773 5507 SH SOLE 0 0 5507 World Gold TR Minishares ETF SWPD GLD MINIS 98149E303 5706986 139501 SH SOLE 0 0 139501 Alphabet Inc Cap Stk Class C CAP STK CL C 02079K107 924501 6560 SH SOLE 0 0 6560 Alphabet Inc Cap Stk Class A CAP STK CL A 02079K305 1106904 7924 SH SOLE 0 0 7924 Home Depot Inc. COM 437076102 315361 910 SH SOLE 0 0 910 Honeywell Intl Inc COM 438516106 400756 1911 SH SOLE 0 0 1911 iShares Nasdaq Biotechnology ETF ISHARES BIOTECH 464287556 277949 2046 SH SOLE 0 0 2046 International Business Machines COM 459200101 384506 2351 SH SOLE 0 0 2351 iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440 3693376 38317 SH SOLE 0 0 38317 iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 236446 3361 SH SOLE 0 0 3361 iShares 3-7 Year Treasury Bond ETF 3 7 YR Treas BD 464288661 6688006 57099 SH SOLE 0 0 57099 iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 37911071 136789 SH SOLE 0 0 136789 Intel Crop COM 458140100 296726 5905 SH SOLE 0 0 5905 Iron Mtn Inc COM 46284V101 234433 3350 SH SOLE 0 0 3350 iShares Core S&P US Growth ETF CORE S&P US GWT 464287671 416400 4000 SH SOLE 0 0 4000 iShares S&P 500 Value ETF S&P 500 VAL ETF 464287408 2445589 14064 SH SOLE 0 0 14064 iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 101913081 213372 SH SOLE 0 0 213372 iShares S&P 500 Growth S&P 500 GRWT ETF 464287309 1947719 25935 SH SOLE 0 0 25935 Ishares Russell 1000 ETF RUS 1000 ETF 464287622 5662718 21592 SH SOLE 0 0 21592 iShares Russell 1000 Value ETF RUS 1000 VAL ETF 464287598 10433059 63135 SH SOLE 0 0 63135 iShares Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 17020570 56142 SH SOLE 0 0 56142 IShares TR Russell 2000 RUSSELL 2000 ETF 464287655 302671 1508 SH SOLE 0 0 1508 iShares Russell Mid-Cap Growth ETF RUS MD CP GR ETF 464287481 616941 5906 SH SOLE 0 0 5906 iShares Russell Mid-Cap ETF RUS MID CP ETF 464287499 2247641 28916 SH SOLE 0 0 28916 Ishares TR Russell Mid Cap Value RUS MDCP VAL ETF 464287473 901713 7754 SH SOLE 0 0 7754 iShares Tr Russell 3000 Index ETF RUSSELL 3000 ETF 464287689 252936 924 SH SOLE 0 0 924 Johnson & Johnson COM 478160104 766615 4891 SH SOLE 0 0 4891 JP Morgan Chase COM 46625H100 769873 4526 SH SOLE 0 0 4526 COCA COLA CO COM 191216100 694136 11779 SH SOLE 0 0 11779 Lilly Eli & Co COM 532457108 520548 893 SH SOLE 0 0 893 FIRST TR LOW DURATION OPPOR ETF FST LOW OPPT EFT 33739Q200 865943 17921 SH SOLE 0 0 17921 Alliant Energy COM 018802108 333553 6502 SH SOLE 0 0 6502 Lam Research Corp COM 512807108 432360 552 SH SOLE 0 0 552 McDonalds Corp COM 580135101 493393 1664 SH SOLE 0 0 1664 SPDR S&P Mid-Cap 400 ETF UTSER1 S&PDCRP 78467Y107 5793772 11419 SH SOLE 0 0 11419 SPDR SER TR S&P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A821 278995 3687 SH SOLE 0 0 3687 Vanguard Mega Cap Growth ETF MEGA GRWTH IND 921910816 254320 980 SH SOLE 0 0 980 Vanguard Mega Cap Value ETF MEGA CAP VAL ETF 921910840 341234 3120 SH SOLE 0 0 3120 Merck & Co COM 58933Y105 1043867 9575 SH SOLE 0 0 9575 Microsoft Corp COM 594918104 2470959 6571 SH SOLE 0 0 6571 Nuveen ESG Mid-Cap Growth ETF NUVEEN ESG MIDCP 67092P409 217619 5141 SH SOLE 0 0 5141 Nushares ESG Mid Cap Value NUVEEN ESG MIDVL 67092P508 487315 15451 SH SOLE 0 0 15451 NVIDIA CORP COM 67066G104 512057 1034 SH SOLE 0 0 1034 NOVO NORDISK A.S. ADR ADR 670100205 206900 2000 SH SOLE 0 0 2000 Oracle Corp COM 68389X105 453454 4301 SH SOLE 0 0 4301 Innovator S&P 500 PWR Buffer Apr COM 45782C870 442786 13545 SH SOLE 0 0 13545 Innovator S&P 500 Power Buffer ETF Aug COM 45782C680 314746 9432 SH SOLE 0 0 9432 Invesco WilderHill Clean Energy ETF WILDERHIL CLAN 46137V134 323325 10879 SH SOLE 0 0 10879 Innovator S&P 500 PwrBuff Dec S&P 500 PWR BU 45782C540 1799647 51272 SH SOLE 0 0 51272 PepsiCo COM 713448108 573641 3378 SH SOLE 0 0 3378 Proctor & Gamble COM 742718109 808315 5516 SH SOLE 0 0 5516 Invesco Water Resources ETF WATER RES PORT 46137V142 1223529 20104 SH SOLE 0 0 20104 Innovator ETFS S&P 500 Buffer - Jan S&P 500 Power 45782C508 910481 24449 SH SOLE 0 0 24449 Innovator TR Equity Pwr Buffer July US EQTY PWR BUF 45782C813 393349 10869 SH SOLE 0 0 10869 Innovator S&P 500 Pwr ETF-June COM 45782C748 264970 7938 SH SOLE 0 0 7938 Innovator S&P 500 PWR Buffer ETF May COM 45782C318 416848 13244 SH SOLE 0 0 13244 Innovator S&P 500 Pwr Buffer S&P 500 POWER 45782C573 1418515 41188 SH SOLE 0 0 41188 Innovator ETFS TR S&P 500 Power Buffer ETF S&P 500 PWRETF 45782C797 1580575 43759 SH SOLE 0 0 43759 Innovator TR Equity Pwr Buffer Sept US EQTY PWR BUF 45782C656 306778 8825 SH SOLE 0 0 8825 Invesco QQQ ETF UNIT SER 1 46090E103 6538898 15967 SH SOLE 0 0 15967 Invesco S&P 500 Equal Weight ETF GUG S&P 500 EQ WT 46137V357 7802375 49445 SH SOLE 0 0 49445 Schwab Strategic TR US Small Cap ETF US SML CAP ETF 808524607 217210 4598 SH SOLE 0 0 4598 Schwab Strategic Large Cap Gwth US LCAP GR ETF 808524300 1165588 14050 SH SOLE 0 0 14050 Schwab Strategic US Large Cap US LRG CAP ETF 808524201 687290 12186 SH SOLE 0 0 12186 ISHARES 1-3 R TREAS BD ETF 1 3 YR TREAS BD 464287457 2915620 35539 SH SOLE 0 0 35539 Standard Lithium CP COM 853606101 136521 62650 SH SOLE 0 0 62650 Vaneck ETF TR Semiconductor ETF COM 92189F676 545594 3120 SH SOLE 0 0 3120 Southern Co Com COM 842587107 271575 3873 SH SOLE 0 0 3873 SPDR Index S&P Emerging Mkts ETF PORTFOLIO EMG MK 78463X509 987585 27890 SH SOLE 0 0 27890 SPDR S&P 500 ETF PORTFOLIO LR ETF 78464A854 22588908 404095 SH SOLE 0 0 404095 SPDR S&P 400 MID CAP PORTFOLIO MD ETF 78464A847 11978639 245867 SH SOLE 0 0 245867 SPDR S&P 500 ETF TR UNIT 78462F103 39561682 83233 SH SOLE 0 0 83233 SPDR TR S&P 500 Growth PRTFLO S&P500 GW 78464A409 3822991 58761 SH SOLE 0 0 58761 SPDR S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508 4457846 95600 SH SOLE 0 0 95600 SPDR S&P 500 FOSSIL SPDR S&P500 ETF 78468R796 11420890 294277 SH SOLE 0 0 294277 SUNOCO LP COM UT REP LP 86765K109 209755 3500 SH SOLE 0 0 3500 IsharesMSCI USA ESG Select ETF MSCI USA ESG SLC 464288802 646078 6428 SH SOLE 0 0 6428 ISHARES TR ESG 1-5 YR CORPORATE BD ETF ESG AWRE 1 5 YR 46435G243 210185 8586 SH SOLE 0 0 8586 ISHARES TR ESG AWARE USD CORPORATE BD ETF ESG AWRE USD ETF 46435G193 484435 20818 SH SOLE 0 0 20818 Thermo Fisher Scientific COM 883556102 233017 439 SH SOLE 0 0 439 ISHARES INC MSCI WORLD INDEX FD MSCI WORLD ETF 464286392 530085 3985 SH SOLE 0 0 3985 Visa Inc COM 92826C839 258528 993 SH SOLE 0 0 993 Vanguard Index FDS Small Cap ETF SMALL CP ETF 922908751 205010 961 SH SOLE 0 0 961 Vanguard Index FDS Small Cap Value ETF SM CP VAL ETF 922908611 248719 1382 SH SOLE 0 0 1382 Vanguard Intl FD FTSE Developed Mkts ETF VAN FTSE DEV MKT 921943858 262827 5487 SH SOLE 0 0 5487 Vanguard Specialized FDS Divid Appreciation ETF COM 921908844 246398 1446 SH SOLE 0 0 1446 Vanguard Mid-Cap ETF MID CAP ETF 922908629 5222768 22450 SH SOLE 0 0 22450 Vanguard Russell 1000 Index VNG RUS1000IDX 92206C730 634766 2926 SH SOLE 0 0 2926 Vanguard S&P 500 ETF S&P500 ETF SHS 922908363 1810536 4145 SH SOLE 0 0 4145 Vanguard Index FDS Total Stk Mtk ETF TOTAL STK MKT 922908769 1555214 6556 SH SOLE 0 0 6556 Vanguard Value ETF VALUE ETF 922908744 1018245 6811 SH SOLE 0 0 6811 Vanguard Growth ETF GROWTH ETF 922908736 1787249 5749 SH SOLE 0 0 5749 Vanguard Large Cap ETF LARGE CAP ETF 922908637 719022 3296 SH SOLE 0 0 3296 Vanguard Intl Equity Emerging Mkts ETF FTSE EMR MKT ETF 922042858 215200 5236 SH SOLE 0 0 5236 Vanguard Index FDS Extended Mkt ETF EXTEND MKT ETF 922908652 330320 2009 SH SOLE 0 0 2009 Vanguard Whitehall High Div Yld ETF HIGH DIV YLD 921946406 481237 4311 SH SOLE 0 0 4311 Select Sector SPDR TR Energy ENERGY 81369Y506 1068122 12740 SH SOLE 0 0 12740 Select Sector SPDR TR Financial FINANCIAL 81369Y605 204431 5437 SH SOLE 0 0 5437 Select Sector SPDR TR TECHNOLOGY 81369Y803 2820024 14651 SH SOLE 0 0 14651 SPDR SER TR S&P METALS & MNG ETF S&P METALS MNG 78464A755 870766 14554 SH SOLE 0 0 14554 Exxon Mobil Corp COM 30231G102 608078 6082 SH SOLE 0 0 6082 SPDR SER TR S&P COMPUTER SOFTWARE ETF COMP SOFTWARE 78464A599 256162 1704 SH SOLE 0 0 1704 SPDR SER TR S&P TRANSN ETF S&P TRANSN ETF 78464A532 231852 2777 SH SOLE 0 0 2777 Zomedica Corp COM 98980M109 8237 41143 SH SOLE 0 0 41143