RETIREMENT INCOME SOLUTIONS, INC

CIK 0001730386 · Q2 2026

13F Equity AUM

$580.8M

-0.7% QoQ

Positions

172

-1 QoQ

AUM Rank

#4,538

Top 36%

Skill Alpha (FF)

-1.1%/yr

Underperformer

Rank #4,529 · Top 55%

vs S&P -2.0%/yr (unadj.)

Quarters Tracked

~8 years

Portfolio Concentration

Top 5: 51.9%Top 10: 67.3%Top 20: 78.5%

SPYM24.4%

SPY7.8%

SPMD7.3%

JPST6.3%

IVV6.2%

MINT6.0%

IWF3.1%

IJH2.7%

GLDM2.1%

SPYX1.5%

Others (162)32.7%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services94.3%

Technology2.1%

Other3.6%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 172Median: 0.09%Avg: 0.58%

0–0.5%

144(16.5%)

0.5–1%

11(7.8%)

1–3%

10(14.7%)

3–5%

1(3.1%)

5%+

6(57.9%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 0Unique: 172vs 20 funds

0%Low

172

Fund positions

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

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Position Changes This Quarter

New0Increased6Decreased20Exited1

Increased

XOM0.1%

+696(+23%)

WMT0.1%

+450(+20%)

MCD0.1%

+450(+43%)

SPYV0.4%

+309(+1%)

MRK0.1%

+243(+4%)

IWF3.1%

+233(+1%)

Decreased

SPYM24.4%

-9,564(-1%)

AMZN0.3%

-8,000(-49%)

SPYX1.5%

-4,732(-3%)

IJH2.7%

-3,435(-1%)

SPMD7.3%

-2,719(-0%)

CWI0.2%

-2,561(-9%)

ORCL0.1%

-2,250(-52%)

JMUB1.2%

-1,955(-1%)

PDEC0.2%

-1,649(-6%)

PNOV0.3%

-1,639(-4%)

Exited

DIS

-3,719

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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