# EDGAR Filing Document

**Accession Number:** 0001957886
**File Stem:** 0001957886-26-000006
**Filing Date:** 2026-4
**Character Count:** 10376
**Document Hash:** f96ef29548087a68e9fd496b2e1f6bcf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001957886-26-000006.hdr.sgml**: 20260415

**ACCESSION NUMBER**: 0001957886-26-000006

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260415

**DATE AS OF CHANGE**: 20260415

**EFFECTIVENESS DATE**: 20260415

**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:** 26863878

**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:** 03-31-2026

**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):** 000016316

**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  04-15-2026<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:** 67

**Form 13F Information Table Value Total:** $1242347607

      (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 |
| ROYAL CARIBBEAN GROUP | COM | V7780T103 |  | 223136 | 800 | SH |  | SOLE |  | 0 | 0 | 800 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 207567 | 2321 | SH |  | SOLE |  | 0 | 0 | 2321 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1278391 | 16034 | SH |  | SOLE |  | 0 | 0 | 16034 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 353523 | 469 | SH |  | SOLE |  | 0 | 0 | 469 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 48123289 | 995929 | SH |  | SOLE |  | 0 | 0 | 995929 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 7534935 | 147397 | SH |  | SOLE |  | 0 | 0 | 147397 |
| UNITED THERAPEUTICS CORP DEL | COM | 91307C102 |  | 292350 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| TESLA INC | COM | 88160R101 |  | 1101364 | 2449 | SH |  | SOLE |  | 0 | 0 | 2449 |
| BLACKROCK ETF TRUST | I Shares | 78464A763 |  | 2157105 | 15499 | SH |  | SOLE |  | 0 | 0 | 15499 |
| SPDR SER TR | NUVEEN BLOOMBERG | 78464A284 |  | 220794 | 8853 | SH |  | SOLE |  | 0 | 0 | 8853 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 281489 | 6337 | SH |  | SOLE |  | 0 | 0 | 6337 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1689116 | 2477 | SH |  | SOLE |  | 0 | 0 | 2477 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1369656 | 7344 | SH |  | SOLE |  | 0 | 0 | 7344 |
| MERCK  CO INC | COM | 58933Y105 |  | 212941 | 2023 | SH |  | SOLE |  | 0 | 0 | 2023 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 346612 | 3453 | SH |  | SOLE |  | 0 | 0 | 3453 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 433687 | 8672 | SH |  | SOLE |  | 0 | 0 | 8672 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 93069384 | 1384549 | SH |  | SOLE |  | 0 | 0 | 1384549 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 186574466 | 2085563 | SH |  | SOLE |  | 0 | 0 | 2085563 |
| INVESCO EXCHANGE TRADED FD T | LARGE CAP VALUE | 46137V738 |  | 690211 | 10371 | SH |  | SOLE |  | 0 | 0 | 10371 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1145529 | 5980 | SH |  | SOLE |  | 0 | 0 | 5980 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 4433566 | 36842 | SH |  | SOLE |  | 0 | 0 | 36842 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 514871 | 28213 | SH |  | SOLE |  | 0 | 0 | 28213 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 511017 | 5459 | SH |  | SOLE |  | 0 | 0 | 5459 |
| COHERENT CORP | COM | 19247G107 |  | 206903 | 1121 | SH |  | SOLE |  | 0 | 0 | 1121 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 220352 | 704 | SH |  | SOLE |  | 0 | 0 | 704 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 246019 | 784 | SH |  | SOLE |  | 0 | 0 | 784 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 4171094 | 6792 | SH |  | SOLE |  | 0 | 0 | 6792 |
| RTX CORPORATION | COM | 75513E101 |  | 266297 | 1452 | SH |  | SOLE |  | 0 | 0 | 1452 |
| WILLIAMS COS INC | COM | 969457100 |  | 298386 | 4964 | SH |  | SOLE |  | 0 | 0 | 4964 |
| WALMART INC | COM | 931142103 |  | 886935 | 7961 | SH |  | SOLE |  | 0 | 0 | 7961 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 646736 | 1929 | SH |  | SOLE |  | 0 | 0 | 1929 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 262773401 | 1375849 | SH |  | SOLE |  | 0 | 0 | 1375849 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 257048385 | 526893 | SH |  | SOLE |  | 0 | 0 | 526893 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 83436577 | 393959 | SH |  | SOLE |  | 0 | 0 | 393959 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 18915711 | 62612 | SH |  | SOLE |  | 0 | 0 | 62612 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 266377 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 5609950 | 111552 | SH |  | SOLE |  | 0 | 0 | 111552 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1420724 | 26427 | SH |  | SOLE |  | 0 | 0 | 26427 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2654288 | 42489 | SH |  | SOLE |  | 0 | 0 | 42489 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 133699555 | 1716738 | SH |  | SOLE |  | 0 | 0 | 1716738 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1979855 | 26243 | SH |  | SOLE |  | 0 | 0 | 26243 |
| THOMSON REUTERS CORP. | COM | 884903808 |  | 207463 | 1573 | SH |  | SOLE |  | 0 | 0 | 1573 |
| TEXAS INSTRS INC | COM | 882508104 |  | 575466 | 3317 | SH |  | SOLE |  | 0 | 0 | 3317 |
| SIMMONS 1ST NATL CORP | CL A $1 PAR | 828730200 |  | 282750 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 4615340 | 155871 | SH |  | SOLE |  | 0 | 0 | 155871 |
| SHELL PLC | SPON ADS | 780259305 |  | 233643 | 3130 | SH |  | SOLE |  | 0 | 0 | 3130 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 213210 | 548 | SH |  | SOLE |  | 0 | 0 | 548 |
| PHILLIPS 66 | COM | 718546104 |  | 862890 | 6687 | SH |  | SOLE |  | 0 | 0 | 6687 |
| ONEOK INC NEW | COM | 682680103 |  | 992734 | 13226 | SH |  | SOLE |  | 0 | 0 | 13226 |
| OGE ENERGY CORP | COM | 670837103 |  | 577774 | 13531 | SH |  | SOLE |  | 0 | 0 | 13531 |
| MICROSOFT CORP | COM | 594918104 |  | 366100 | 757 | SH |  | SOLE |  | 0 | 0 | 757 |
| MCDONALDS CORP | COM | 580135101 |  | 306547 | 1003 | SH |  | SOLE |  | 0 | 0 | 1003 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 333396 | 1611 | SH |  | SOLE |  | 0 | 0 | 1611 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 45425779 | 424104 | SH |  | SOLE |  | 0 | 0 | 424104 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 28058110 | 291422 | SH |  | SOLE |  | 0 | 0 | 291422 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1702253 | 14162 | SH |  | SOLE |  | 0 | 0 | 14162 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 535890 | 2177 | SH |  | SOLE |  | 0 | 0 | 2177 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 894090 | 4934 | SH |  | SOLE |  | 0 | 0 | 4934 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3010311 | 4395 | SH |  | SOLE |  | 0 | 0 | 4395 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 897493 | 6036 | SH |  | SOLE |  | 0 | 0 | 6036 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1110788 | 3750 | SH |  | SOLE |  | 0 | 0 | 3750 |
| FORD MTR CO DEL | COM | 345370860 |  | 262046 | 19973 | SH |  | SOLE |  | 0 | 0 | 19973 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 254943 | 6771 | SH |  | SOLE |  | 0 | 0 | 6771 |
| DBX ETF TR | XTRACK USD HIGH | 233051432 |  | 19488926 | 529159 | SH |  | SOLE |  | 0 | 0 | 529159 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1647687 | 3278 | SH |  | SOLE |  | 0 | 0 | 3278 |
| APPLE INC | COM | 037833100 |  | 1757847 | 6466 | SH |  | SOLE |  | 0 | 0 | 6466 |
| AMAZON COM INC | COM | 023135106 |  | 221587 | 960 | SH |  | SOLE |  | 0 | 0 | 960 |

---