# EDGAR Filing Document

**Accession Number:** 0001957886
**File Stem:** 0001957886-23-000002
**Filing Date:** 2023-2
**Character Count:** 8833
**Document Hash:** 7f03c652aa96fd608bc644cb73bf8822
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001957886-23-000002.hdr.sgml**: 20230215

**ACCESSION NUMBER**: 0001957886-23-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230215

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230215

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Retirement Investment Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001957886
- **IRS NUMBER:** 731394254
- **STATE OF INCORPORATION:** OK

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23100
- **FILM NUMBER:** 23632971

**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:** 12-31-2022

**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

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:** Brenda Bolander<br>**Title:** EVP / CCO<br>**Phone:** 4058423443

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

Brenda Bolander  Oklahoma City, OK  02-14-2023<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:** 50

**Form 13F Information Table Value Total:** $154504818

      (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 |
| Vanguard Growth ETF | ETF | 922908736 |  | 27201574 | 127641 | SH |  | SOLE |  | 0 | 0 | 127641 |
| Vanguard Value ETF | ETF | 922908744 |  | 22707093 | 161766 | SH |  | SOLE |  | 0 | 0 | 161766 |
| iShares Core MSCI EAFE ETF | ETF | 46432F842 |  | 16198191 | 262787 | SH |  | SOLE |  | 0 | 0 | 262787 |
| iShares National Muni Bond ETF | ETF | 464288414 |  | 11321241 | 107290 | SH |  | SOLE |  | 0 | 0 | 107290 |
| Vanguard Intermediate-Term Bond ETF | ETF | 921937819 |  | 9461010 | 127301 | SH |  | SOLE |  | 0 | 0 | 127301 |
| iShares Core MSCI Emerging Markets ETF | ETF | 46434G103 |  | 8010685 | 171535 | SH |  | SOLE |  | 0 | 0 | 171535 |
| SPDR S DIVIDEND ETF (MKT) | ETF | 78464A763 |  | 7665865 | 61273 | SH |  | SOLE |  | 0 | 0 | 61273 |
| Vanguard Small-Cap Value ETF | ETF | 922908611 |  | 6033130 | 37992 | SH |  | SOLE |  | 0 | 0 | 37992 |
| Invesco QQQ Trust Series 1 | ETF | 46090E103 |  | 5100327 | 19154 | SH |  | SOLE |  | 0 | 0 | 19154 |
| Vanguard Total International Bond ETF | ETF | 92203J407 |  | 4973700 | 104864 | SH |  | SOLE |  | 0 | 0 | 104864 |
| ISHARES CORE S SMALL-CAP (MKT) | ETF | 464287804 |  | 4521521 | 47776 | SH |  | SOLE |  | 0 | 0 | 47776 |
| VANGUARD TOTAL INTERNATIONAL	STOCK INDEX FUND ETF SHARES | ETF | 921909768 |  | 4140910 | 80064 | SH |  | SOLE |  | 0 | 0 | 80064 |
| VanEck High Yield Muni ETF | ETF | 92189H409 |  | 1794929 | 35508 | SH |  | SOLE |  | 0 | 0 | 35508 |
| VanEck J. P. Morgan EM Local Currency Bond ETF | ETF | 92189H300 |  | 1648997 | 68056 | SH |  | SOLE |  | 0 | 0 | 68056 |
| Vanguard Small-Cap Growth ETF | ETF | 922908595 |  | 1633198 | 8144 | SH |  | SOLE |  | 0 | 0 | 8144 |
| iShares JP Morgan USD Emerging Markets Bond ETF | ETF | 464288281 |  | 1613554 | 19075 | SH |  | SOLE |  | 0 | 0 | 19075 |
| Xtrackers USD High Yield Corporate Bond ETF | ETF | 233051432 |  | 1548165 | 45926 | SH |  | SOLE |  | 0 | 0 | 45926 |
| Vanguard Short-Term Corporate Bond ETF | ETF | 92206C409 |  | 1518387 | 20194 | SH |  | SOLE |  | 0 | 0 | 20194 |
| CONOCOPHILLIPS | STOCK | 20825C104 |  | 1417770 | 12015 | SH |  | SOLE |  | 0 | 0 | 12015 |
| ONEOK Inc | STOCK | 682680103 |  | 1342580 | 20435 | SH |  | SOLE |  | 0 | 0 | 20435 |
| VANGUARD EMERGING MARKETS STOCK	IDX ETF (MKT) | ETF | 922042858 |  | 1294955 | 33221 | SH |  | SOLE |  | 0 | 0 | 33221 |
| Apple Inc | STOCK | 037833100 |  | 1218743 | 9380 | SH |  | SOLE |  | 0 | 0 | 9380 |
| PHILLIPS 66 | STOCK | 718546104 |  | 1067340 | 10255 | SH |  | SOLE |  | 0 | 0 | 10255 |
| Vanguard Total International Stock ETF | ETF | 921909768 |  | 976163 | 18874 | SH |  | SOLE |  | 0 | 0 | 18874 |
| Invesco S 500 Equal Weight ETF | ETF | 46137V357 |  | 946093 | 6698 | SH |  | SOLE |  | 0 | 0 | 6698 |
| Simmons First National Corp | STOCK | 828730200 |  | 776880 | 36000 | SH |  | SOLE |  | 0 | 0 | 36000 |
| Berkshire Hathaway Inc | STOCK | 084670702 |  | 772250 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| SPDR S 500 ETF Trust | ETF | 78462F103 |  | 758359 | 1983 | SH |  | SOLE |  | 0 | 0 | 1983 |
| INVESCO DYNAMIC LG CP VALUE | ETF | 46137V738 |  | 615451 | 13078 | SH |  | SOLE |  | 0 | 0 | 13078 |
| Exxon Mobil Corp | STOCK | 30231G102 |  | 605437 | 5489 | SH |  | SOLE |  | 0 | 0 | 5489 |
| OGE Energy Corp | STOCK | 670837103 |  | 605075 | 15299 | SH |  | SOLE |  | 0 | 0 | 15299 |
| Schwab US Large-Cap ETF | ETF | 808524201 |  | 596070 | 13202 | SH |  | SOLE |  | 0 | 0 | 13202 |
| SPDR PORTFOLIO DEVLPD WORLD EX	US ETF | ETF | 78463X889 |  | 569840 | 19193 | SH |  | SOLE |  | 0 | 0 | 19193 |
| Vanguard FTSE Developed Markets ETF | ETF | 921943858 |  | 548926 | 13079 | SH |  | SOLE |  | 0 | 0 | 13079 |
| AT INC | STOCK | 00206R102 |  | 533761 | 28993 | SH |  | SOLE |  | 0 | 0 | 28993 |
| Vanguard Tax-Exempt Bond Index ETF | ETF | 922907746 |  | 396811 | 8018 | SH |  | SOLE |  | 0 | 0 | 8018 |
| Tesla Inc | STOCK | 88160R101 |  | 343056 | 2785 | SH |  | SOLE |  | 0 | 0 | 2785 |
| FORD MOTOR COMPANY | STOCK | 345370860 |  | 333839 | 28705 | SH |  | SOLE |  | 0 | 0 | 28705 |
| Vanguard Total Bond Market ETF | ETF | 921937835 |  | 300507 | 4183 | SH |  | SOLE |  | 0 | 0 | 4183 |
| International Business Machines Corp | STOCK | 459200101 |  | 297278 | 2110 | SH |  | SOLE |  | 0 | 0 | 2110 |
| Walmart Inc | STOCK | 931142103 |  | 294498 | 2077 | SH |  | SOLE |  | 0 | 0 | 2077 |
| Vanguard 500 Index Fund | ETF | 922908710 |  | 259490 | 733 | SH |  | SOLE |  | 0 | 0 | 733 |
| ENERGY TRANSFER OPERATING LP | STOCK | 29273V100 |  | 225221 | 18974 | SH |  | SOLE |  | 0 | 0 | 18974 |
| AT Inc | STOCK | 00206R102 |  | 218766 | 11883 | SH |  | SOLE |  | 0 | 0 | 11883 |
| SUNCOKE ENERGY INC | STOCK | 86722A103 |  | 97044 | 11245 | SH |  | SOLE |  | 0 | 0 | 11245 |
| Medical Marijuana Inc | STOCK | 58463A105 |  | 122 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| CannaSys Inc | STOCK | 137651204 |  | 9 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| Hemp Inc | STOCK | 423703206 |  | 4 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| OWC Pharmaceutical Research Corp | STOCK | 67109N108 |  | 3 | 25000 | SH |  | SOLE |  | 0 | 0 | 25000 |
| Nautilus Minerals Inc | STOCK | 639097104 |  | 0 | 17789 | SH |  | SOLE |  | 0 | 0 | 17789 |

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