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