# EDGAR Filing Document

**Accession Number:** 0001957886
**File Stem:** 0001957886-25-000007
**Filing Date:** 2025-10
**Character Count:** 10416
**Document Hash:** f0811f47ccf959a6ba9f948490ab7010
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001957886-25-000007.hdr.sgml**: 20251028

**ACCESSION NUMBER**: 0001957886-25-000007

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251028

**DATE AS OF CHANGE**: 20251028

**EFFECTIVENESS DATE**: 20251028

**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:** 251425737

**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:** 09-30-2025

**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):** 028-23100

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:** Jade Franke<br>**Title:** Chief Compliance Officer<br>**Phone:** 4058423443

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

Jade Franke  Oklahoma City, OK  10-28-2025<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:** 65

**Form 13F Information Table Value Total:** $1202921300

      (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

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|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 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 | STOCK | 231351060 |  | 210787 | 960 | SH |  | SOLE |  | 0 | 0 | 960 |
| Apple Inc | STOCK | 378331000 |  | 1655350 | 6501 | SH |  | SOLE |  | 0 | 0 | 6501 |
| BancFirst Corp | STOCK | 05945F103 |  | 240508 | 1902 | SH |  | SOLE |  | 0 | 0 | 1902 |
| Berkshire Hathaway Inc | STOCK | 846707020 |  | 1578101 | 3139 | SH |  | SOLE |  | 0 | 0 | 3139 |
| CannaSys Inc | STOCK | 137651204 |  | 9 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| ConocoPhillips | STOCK | 20825C104 |  | 516367 | 5459 | SH |  | SOLE |  | 0 | 0 | 5459 |
| ENERGY TRANSFER OPERATING LP | STOCK | 29273V100 |  | 275504 | 16055 | SH |  | SOLE |  | 0 | 0 | 16055 |
| Exxon Mobil Corp | STOCK | 30231G102 |  | 4153936 | 36842 | SH |  | SOLE |  | 0 | 0 | 36842 |
| Ford Motor Co | STOCK | 345370860 |  | 238877 | 19973 | SH |  | SOLE |  | 0 | 0 | 19973 |
| Hemp Inc | STOCK | 423703206 |  | 0 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| International Business Machines Corp | STOCK | 459200101 |  | 1058100 | 3750 | SH |  | SOLE |  | 0 | 0 | 3750 |
| Invesco Large Cap Value ETF | ETF | 46137V738 |  | 677728 | 10393 | SH |  | SOLE |  | 0 | 0 | 10393 |
| Invesco QQQ Trust Series 1 | ETF | 46090E103 |  | 4177374 | 6958 | SH |  | SOLE |  | 0 | 0 | 6958 |
| Invesco S 500 Equal Weight ETF | ETF | 46137V357 |  | 1134406 | 5980 | SH |  | SOLE |  | 0 | 0 | 5980 |
| iShares 0-3 Month Treasury Bond ETF | ETF | 46436E718 |  | 347717 | 3453 | SH |  | SOLE |  | 0 | 0 | 3453 |
| iShares Core International Aggregate Bond ETF | ETF | 46435G672 |  | 449236 | 8769 | SH |  | SOLE |  | 0 | 0 | 8769 |
| iShares Core MSCI EAFE ETF | ETF | 46432F842 |  | 179683893 | 2057999 | SH |  | SOLE |  | 0 | 0 | 2057999 |
| iShares Core MSCI Emerging Markets ETF | ETF | 46434G103 |  | 90536901 | 1373436 | SH |  | SOLE |  | 0 | 0 | 1373436 |
| iShares Core S 500 ETF | ETF | 464287200 |  | 2910116 | 4348 | SH |  | SOLE |  | 0 | 0 | 4348 |
| iShares Core S Small-Cap ETF | ETF | 464287804 |  | 1742523 | 14664 | SH |  | SOLE |  | 0 | 0 | 14664 |
| iShares Core S Total US Stock Market ETF | ETF | 464287150 |  | 879143 | 6036 | SH |  | SOLE |  | 0 | 0 | 6036 |
| iShares J.P. Morgan USD Emerging Markets Bond ETF | ETF | 464288281 |  | 26900218 | 282595 | SH |  | SOLE |  | 0 | 0 | 282595 |
| iShares National Muni Bond ETF | ETF | 464288414 |  | 41747807 | 392035 | SH |  | SOLE |  | 0 | 0 | 392035 |
| iShares Russell 2000 ETF | ETF | 464287655 |  | 560863 | 2318 | SH |  | SOLE |  | 0 | 0 | 2318 |
| iShares Russell 2000 Value ETF | ETF | 464287630 |  | 739596 | 4183 | SH |  | SOLE |  | 0 | 0 | 4183 |
| Johnson  Johnson | STOCK | 478160104 |  | 298712 | 1611 | SH |  | SOLE |  | 0 | 0 | 1611 |
| McDonald's CORP | STOCK | 580135101 |  | 319085 | 1050 | SH |  | SOLE |  | 0 | 0 | 1050 |
| Medical Marijuana Inc | STOCK | 58463A105 |  | 4 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| Microsoft Corp | STOCK | 594918104 |  | 322165 | 622 | SH |  | SOLE |  | 0 | 0 | 622 |
| NVIDIA Corp | STOCK | 67066G104 |  | 1746575 | 9361 | SH |  | SOLE |  | 0 | 0 | 9361 |
| OGE Energy Corp | STOCK | 670837103 |  | 626079 | 13531 | SH |  | SOLE |  | 0 | 0 | 13531 |
| ONEOK Inc | STOCK | 682680103 |  | 1046025 | 14335 | SH |  | SOLE |  | 0 | 0 | 14335 |
| OWC Pharmaceutical Research Corp | STOCK | 67109N108 |  | 0 | 25000 | SH |  | SOLE |  | 0 | 0 | 25000 |
| Phillips 66 | STOCK | 718546104 |  | 909566 | 6687 | SH |  | SOLE |  | 0 | 0 | 6687 |
| Royal Caribbean Cruises Ltd | STOCK | V7780T103 |  | 258864 | 800 | SH |  | SOLE |  | 0 | 0 | 800 |
| RTX Corp | STOCK | 75513E101 |  | 206653 | 1235 | SH |  | SOLE |  | 0 | 0 | 1235 |
| Schwab U.S. Large-Cap Value ETF | ETF | 808524409 |  | 4207559 | 144540 | SH |  | SOLE |  | 0 | 0 | 144540 |
| Shell PLC | STOCK | 780259305 |  | 223889 | 3130 | SH |  | SOLE |  | 0 | 0 | 3130 |
| Simmons First National Corp | STOCK | 828730200 |  | 287550 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| SPDR Nuveen S High Yield Municipal Bond ETF | ETF | 78464A284 |  | 230952 | 9264 | SH |  | SOLE |  | 0 | 0 | 9264 |
| SPDR Portfolio Developed World ex-US ETF | ETF | 78463X889 |  | 295465 | 6905 | SH |  | SOLE |  | 0 | 0 | 6905 |
| SPDR S 500 ETF Trust | ETF | 78462F103 |  | 1610157 | 2417 | SH |  | SOLE |  | 0 | 0 | 2417 |
| SPDR S Dividend ETF | ETF | 78464A763 |  | 2286456 | 16326 | SH |  | SOLE |  | 0 | 0 | 16326 |
| Tesla Inc | STOCK | 88160R101 |  | 1182955 | 2660 | SH |  | SOLE |  | 0 | 0 | 2660 |
| Texas Instruments Inc | STOCK | 882508104 |  | 1185059 | 6450 | SH |  | SOLE |  | 0 | 0 | 6450 |
| Thomson Reuters Corp | STOCK | 884903808 |  | 244334 | 1573 | SH |  | SOLE |  | 0 | 0 | 1573 |
| United Therapeutics Corp | STOCK | 91307C102 |  | 251526 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| VanEck High Yield Muni ETF | ETF | 92189H409 |  | 6870177 | 134974 | SH |  | SOLE |  | 0 | 0 | 134974 |
| Vanguard FTSE Developed Markets ETF | ETF | 921943858 |  | 2529403 | 42213 | SH |  | SOLE |  | 0 | 0 | 42213 |
| Vanguard FTSE Emerging Markets ETF | ETF | 922042858 |  | 1470716 | 27145 | SH |  | SOLE |  | 0 | 0 | 27145 |
| Vanguard Growth ETF | ETF | 922908736 |  | 253488273 | 528530 | SH |  | SOLE |  | 0 | 0 | 528530 |
| Vanguard Information Technology ETF | ETF | 92204A702 |  | 350169 | 469 | SH |  | SOLE |  | 0 | 0 | 469 |
| Vanguard Intermediate-Term Bond ETF | ETF | 921937819 |  | 131174957 | 1679792 | SH |  | SOLE |  | 0 | 0 | 1679792 |
| Vanguard Short-Term Corporate Bond ETF | ETF | 92206C409 |  | 1364005 | 17065 | SH |  | SOLE |  | 0 | 0 | 17065 |
| Vanguard Small-Cap Growth ETF | ETF | 922908595 |  | 18149463 | 60982 | SH |  | SOLE |  | 0 | 0 | 60982 |
| Vanguard Small-Cap Value ETF | ETF | 922908611 |  | 80571869 | 386047 | SH |  | SOLE |  | 0 | 0 | 386047 |
| Vanguard Tax-Exempt Bond Index ETF | ETF | 922907746 |  | 4876518 | 97394 | SH |  | SOLE |  | 0 | 0 | 97394 |
| Vanguard Total International Bond ETF | ETF | 92203J407 |  | 47334358 | 957023 | SH |  | SOLE |  | 0 | 0 | 957023 |
| Vanguard Total International Stock ETF | ETF | 921909768 |  | 1997818 | 27196 | SH |  | SOLE |  | 0 | 0 | 27196 |
| Vanguard Total Stock Market ETF | ETF | 922908769 |  | 633040 | 1929 | SH |  | SOLE |  | 0 | 0 | 1929 |
| Vanguard Value ETF | ETF | 922908744 |  | 251382366 | 1347967 | SH |  | SOLE |  | 0 | 0 | 1347967 |
| Walmart Inc | STOCK | 931142103 |  | 820461 | 7961 | SH |  | SOLE |  | 0 | 0 | 7961 |
| Williams Cos Inc/The | STOCK | 969457100 |  | 314469 | 4964 | SH |  | SOLE |  | 0 | 0 | 4964 |
| WisdomTree U.S. Quality Dividend Growth Fund | ETF | 97717X669 |  | 206476 | 2321 | SH |  | SOLE |  | 0 | 0 | 2321 |
| Xtrackers USD High Yield Corporate Bond ETF | ETF | 233051432 |  | 19232072 | 518245 | SH |  | SOLE |  | 0 | 0 | 518245 |

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