# EDGAR Filing Document

**Accession Number:** 0001957886
**File Stem:** 0001957886-26-000005
**Filing Date:** 2026-1
**Character Count:** 10276
**Document Hash:** c8019eb0ea86ca2aad4cf55d1c2b2485
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001957886-26-000005.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0001957886-26-000005

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260121

**EFFECTIVENESS DATE**: 20260121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Retirement Investment Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001957886

**ORGANIZATION NAME:**
- **EIN:** 731394254
- **STATE OF INCORPORATION:** OK

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23100
- **FILM NUMBER:** 26545221

**BUSINESS ADDRESS:**
- **STREET 1:** 2925 UNITED FOUNDERS BLVD
- **CITY:** OKLAHOMA CITY
- **STATE:** OK
- **ZIP:** 73112
- **BUSINESS PHONE:** 405-842-3443

**MAIL ADDRESS:**
- **STREET 1:** 2925 UNITED FOUNDERS BLVD
- **CITY:** OKLAHOMA CITY
- **STATE:** OK
- **ZIP:** 73112

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Retirement Investment Advisors Inc.<br>**Address:** 2925 UNITED FOUNDERS BLVD<br>OKLAHOMA CITY, OK 73112

**Form 13F File Number:** 028-23100

**CRD Number (if applicable):** 000106316

**SEC File Number (if applicable):** 801-43702

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Donna DiMaria<br>**Title:** CCO<br>**Phone:** 9178162528

**Signature, Place, and Date of Signing:**

Donna DiMaria  Fairport, NY  01-21-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 66

**Form 13F Information Table Value Total:** $1240843591

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AMAZON COM INC | COM | 023135106 |  | 221587 | 960 | SH |  | SOLE |  | 0 | 0 | 960 |
| APPLE INC | COM | 037833100 |  | 1757847 | 6466 | SH |  | SOLE |  | 0 | 0 | 6466 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1647687 | 3278 | SH |  | SOLE |  | 0 | 0 | 3278 |
| DBX ETF TR | XTRACK USD HIGH | 233051432 |  | 19488926 | 529159 | SH |  | SOLE |  | 0 | 0 | 529159 |
| FORD MTR CO DEL | COM | 345370860 |  | 262046 | 19973 | SH |  | SOLE |  | 0 | 0 | 19973 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1110788 | 3750 | SH |  | SOLE |  | 0 | 0 | 3750 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 897493 | 6036 | SH |  | SOLE |  | 0 | 0 | 6036 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3010311 | 4395 | SH |  | SOLE |  | 0 | 0 | 4395 |
| BLACKROCK ETF TRUST | I Shares | 464287630 |  | 894090 | 4934 | SH |  | SOLE |  | 0 | 0 | 4934 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 535890 | 2177 | SH |  | SOLE |  | 0 | 0 | 2177 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1694298 | 14098 | SH |  | SOLE |  | 0 | 0 | 14098 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 28051948 | 291358 | SH |  | SOLE |  | 0 | 0 | 291358 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 45291678 | 422852 | SH |  | SOLE |  | 0 | 0 | 422852 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 333396 | 1611 | SH |  | SOLE |  | 0 | 0 | 1611 |
| MCDONALDS CORP | COM | 580135101 |  | 306547 | 1003 | SH |  | SOLE |  | 0 | 0 | 1003 |
| MICROSOFT CORP | COM | 594918104 |  | 366100 | 757 | SH |  | SOLE |  | 0 | 0 | 757 |
| OGE ENERGY CORP | COM | 670837103 |  | 577774 | 13531 | SH |  | SOLE |  | 0 | 0 | 13531 |
| ONEOK INC NEW | COM | 682680103 |  | 882368 | 12005 | SH |  | SOLE |  | 0 | 0 | 12005 |
| PHILLIPS 66 | COM | 718546104 |  | 862890 | 6687 | SH |  | SOLE |  | 0 | 0 | 6687 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 213210 | 548 | SH |  | SOLE |  | 0 | 0 | 548 |
| SHELL PLC | SPON ADS | 780259305 |  | 216252 | 2943 | SH |  | SOLE |  | 0 | 0 | 2943 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 4615340 | 155871 | SH |  | SOLE |  | 0 | 0 | 155871 |
| SIMMONS 1ST NATL CORP | CL A $1 PAR | 828730200 |  | 282750 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| TEXAS INSTRS INC | COM | 882508104 |  | 575466 | 3317 | SH |  | SOLE |  | 0 | 0 | 3317 |
| THOMSON REUTERS CORP. | COM | 884903808 |  | 207463 | 1573 | SH |  | SOLE |  | 0 | 0 | 1573 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1976000 | 26193 | SH |  | SOLE |  | 0 | 0 | 26193 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 133699555 | 1716738 | SH |  | SOLE |  | 0 | 0 | 1716738 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2602688 | 41663 | SH |  | SOLE |  | 0 | 0 | 41663 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1419210 | 26399 | SH |  | SOLE |  | 0 | 0 | 26399 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 5609950 | 111552 | SH |  | SOLE |  | 0 | 0 | 111552 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 18875531 | 62479 | SH |  | SOLE |  | 0 | 0 | 62479 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 83384900 | 393715 | SH |  | SOLE |  | 0 | 0 | 393715 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 257034407 | 526861 | SH |  | SOLE |  | 0 | 0 | 526861 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 262773401 | 1375849 | SH |  | SOLE |  | 0 | 0 | 1375849 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 646735 | 1929 | SH |  | SOLE |  | 0 | 0 | 1929 |
| WALMART INC | COM | 931142103 |  | 886935 | 7961 | SH |  | SOLE |  | 0 | 0 | 7961 |
| WILLIAMS COS INC | COM | 969457100 |  | 298386 | 4964 | SH |  | SOLE |  | 0 | 0 | 4964 |
| RTX CORPORATION | COM | 75513E101 |  | 266297 | 1452 | SH |  | SOLE |  | 0 | 0 | 1452 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 4150893 | 6757 | SH |  | SOLE |  | 0 | 0 | 6757 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 246019 | 784 | SH |  | SOLE |  | 0 | 0 | 784 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 220352 | 704 | SH |  | SOLE |  | 0 | 0 | 704 |
| COHERENT CORP | COM | 19247G107 |  | 206903 | 1121 | SH |  | SOLE |  | 0 | 0 | 1121 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 511017 | 5459 | SH |  | SOLE |  | 0 | 0 | 5459 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 173937 | 10548 | SH |  | SOLE |  | 0 | 0 | 10548 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 4433566 | 36842 | SH |  | SOLE |  | 0 | 0 | 36842 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1145529 | 5980 | SH |  | SOLE |  | 0 | 0 | 5980 |
| INVESCO EXCHANGE TRADED FD T | LARGE CAP VALUE | 46137V738 |  | 682961 | 10267 | SH |  | SOLE |  | 0 | 0 | 10267 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 186376759 | 2083353 | SH |  | SOLE |  | 0 | 0 | 2083353 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 92944153 | 1382686 | SH |  | SOLE |  | 0 | 0 | 1382686 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 433687 | 8672 | SH |  | SOLE |  | 0 | 0 | 8672 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 346612 | 3453 | SH |  | SOLE |  | 0 | 0 | 3453 |
| MERCK  CO INC | COM | 58933Y105 |  | 212941 | 2023 | SH |  | SOLE |  | 0 | 0 | 2023 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1369656 | 7344 | SH |  | SOLE |  | 0 | 0 | 7344 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1689116 | 2477 | SH |  | SOLE |  | 0 | 0 | 2477 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 279161 | 6286 | SH |  | SOLE |  | 0 | 0 | 6286 |
| SPDR SER TR | NUVEEN BLOOMBERG | 78464A284 |  | 217427 | 8718 | SH |  | SOLE |  | 0 | 0 | 8718 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 2151414 | 15460 | SH |  | SOLE |  | 0 | 0 | 15460 |
| TESLA INC | COM | 88160R101 |  | 1101364 | 2449 | SH |  | SOLE |  | 0 | 0 | 2449 |
| UNITED THERAPEUTICS CORP DEL | COM | 91307C102 |  | 292350 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 7402432 | 144805 | SH |  | SOLE |  | 0 | 0 | 144805 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 48123289 | 995929 | SH |  | SOLE |  | 0 | 0 | 995929 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 353523 | 469 | SH |  | SOLE |  | 0 | 0 | 469 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1278391 | 16034 | SH |  | SOLE |  | 0 | 0 | 16034 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 207567 | 2321 | SH |  | SOLE |  | 0 | 0 | 2321 |
| ROYAL CARIBBEAN GROUP | COM | V7780T103 |  | 223136 | 800 | SH |  | SOLE |  | 0 | 0 | 800 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 291296 | 17665 | SH |  | SOLE |  | 0 | 0 | 17665 |

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