# EDGAR Filing Document

**Accession Number:** 0001730386
**File Stem:** 0001730386-25-000004
**Filing Date:** 2025-10
**Character Count:** 22324
**Document Hash:** 23d585cea6cb13611dad0c9ecab8adc7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001730386-25-000004.hdr.sgml**: 20251014

**ACCESSION NUMBER**: 0001730386-25-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251014

**DATE AS OF CHANGE**: 20251014

**EFFECTIVENESS DATE**: 20251014

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RETIREMENT INCOME SOLUTIONS, INC
- **CENTRAL INDEX KEY:** 0001730386

**ORGANIZATION NAME:**
- **EIN:** 383143018
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18271
- **FILM NUMBER:** 251390248

**BUSINESS ADDRESS:**
- **STREET 1:** 2301 PLATT ROAD
- **STREET 2:** SUITE 300
- **CITY:** ANN ARBOR
- **STATE:** MI
- **ZIP:** 48104
- **BUSINESS PHONE:** 734-769-7727

**MAIL ADDRESS:**
- **STREET 1:** 2301 PLATT ROAD
- **STREET 2:** SUITE 300
- **CITY:** ANN ARBOR
- **STATE:** MI
- **ZIP:** 48104

### 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 INCOME SOLUTIONS INC<br>**Address:** 2301 PLATT ROAD<br>SUITE 300<br>ANN ARBOR, MI 48104

**Form 13F File Number:** 028-18271

**CRD Number (if applicable):** 000110145

**SEC File Number (if applicable):** 801-71319

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:** Lisa M. Myers<br>**Title:** Vice President Operations  Compliance<br>**Phone:** (734) 769-7727

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

Lisa M. Myers  Ann Arbor, MI  10-14-2025<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:** 165

**Form 13F Information Table Value Total:** $584815252

      (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 |
| 3M CO | COM | 88579Y101 | BBG001S5T7X2 | 256668 | 1654 | SH |  | SOLE |  | 0 | 0 | 1654 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 275301 | 1189 | SH |  | SOLE |  | 0 | 0 | 1189 |
| ALLIANT ENERGY CORP | COM | 018802108 | BBG001S8ZQ30 | 438300 | 6502 | SH |  | SOLE |  | 0 | 0 | 6502 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 2042283 | 8401 | SH |  | SOLE |  | 0 | 0 | 8401 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 1661011 | 6820 | SH |  | SOLE |  | 0 | 0 | 6820 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 4060288 | 18492 | SH |  | SOLE |  | 0 | 0 | 18492 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 | BBG00Q9MQ6T1 | 1981416 | 25113 | SH |  | SOLE |  | 0 | 0 | 25113 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 234173 | 705 | SH |  | SOLE |  | 0 | 0 | 705 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 443336 | 1571 | SH |  | SOLE |  | 0 | 0 | 1571 |
| AMPLIFY ETF TR | VIDEO GAME LEADE | 032108615 | BBG01L6XQKH2 | 414285 | 4286 | SH |  | SOLE |  | 0 | 0 | 4286 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 5427517 | 21315 | SH |  | SOLE |  | 0 | 0 | 21315 |
| B2GOLD CORP | COM | 11777Q209 | BBG001T0CNW6 | 86455 | 17482 | SH |  | SOLE |  | 0 | 0 | 17482 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 3397014 | 6757 | SH |  | SOLE |  | 0 | 0 | 6757 |
| BNY MELLON ETF TRUST | US LRG CP CORE | 09661T107 | BBG00RYR68F3 | 957715 | 7460 | SH |  | SOLE |  | 0 | 0 | 7460 |
| BOEING CO | COM | 097023105 | BBG001S5P0V3 | 209787 | 972 | SH |  | SOLE |  | 0 | 0 | 972 |
| BRIDGEBIO PHARMA INC | COM | 10806X102 | BBG00P9KDZL5 | 259700 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 533135 | 1616 | SH |  | SOLE |  | 0 | 0 | 1616 |
| CF BANKSHARES INC | COM | 12520L109 | BBG001S5XSL4 | 283640 | 11843 | SH |  | SOLE |  | 0 | 0 | 11843 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 | BBG001SP50B3 | 209079 | 5335 | SH |  | SOLE |  | 0 | 0 | 5335 |
| CINCINNATI FINL CORP | COM | 172062101 | BBG001S5PTM0 | 308295 | 1950 | SH |  | SOLE |  | 0 | 0 | 1950 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 705313 | 10635 | SH |  | SOLE |  | 0 | 0 | 10635 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 374880 | 405 | SH |  | SOLE |  | 0 | 0 | 405 |
| DBX ETF TR | XTRACK MSCI EAFE | 233051200 | BBG001S9Z3V8 | 717096 | 15448 | SH |  | SOLE |  | 0 | 0 | 15448 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 | BBG00Y2PHW26 | 587404 | 18630 | SH |  | SOLE |  | 0 | 0 | 18630 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 362944 | 9410 | SH |  | SOLE |  | 0 | 0 | 9410 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 429624 | 13691 | SH |  | SOLE |  | 0 | 0 | 13691 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 505976 | 4419 | SH |  | SOLE |  | 0 | 0 | 4419 |
| DTE ENERGY CO | COM | 233331107 | BBG001S5QN88 | 339643 | 2401 | SH |  | SOLE |  | 0 | 0 | 2401 |
| EATON CORP PLC | SHS | G29183103 | BBG001S5QZ45 | 557258 | 1489 | SH |  | SOLE |  | 0 | 0 | 1489 |
| ECOLAB INC | COM | 278865100 | BBG001S5QRB5 | 676982 | 2472 | SH |  | SOLE |  | 0 | 0 | 2472 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 1703016 | 2232 | SH |  | SOLE |  | 0 | 0 | 2232 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 331598 | 2941 | SH |  | SOLE |  | 0 | 0 | 2941 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 316092113 | BBG01K4JD281 | 220862 | 5926 | SH |  | SOLE |  | 0 | 0 | 5926 |
| FIDELITY COVINGTON TRUST | ENHANCED SMALL | 31609A206 | BBG01K786ML1 | 5080889 | 138974 | SH |  | SOLE |  | 0 | 0 | 138974 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 | BBG01KY66QQ1 | 512225 | 5132 | SH |  | SOLE |  | 0 | 0 | 5132 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 | BBG007GFNV45 | 327768 | 6583 | SH |  | SOLE |  | 0 | 0 | 6583 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 363455 | 897 | SH |  | SOLE |  | 0 | 0 | 897 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45783Y111 | BBG01P0WLBY7 | 498004 | 18821 | SH |  | SOLE |  | 0 | 0 | 18821 |
| INNOVATOR ETFS TRUST | US EQT PWR BUF | 45782C870 | BBG00NR9QB16 | 519586 | 13545 | SH |  | SOLE |  | 0 | 0 | 13545 |
| INNOVATOR ETFS TRUST | US EQTY BUF NOV | 45782C581 | BBG00QPZ0JC2 | 280967 | 6459 | SH |  | SOLE |  | 0 | 0 | 6459 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JAN | 45782C409 | BBG00MYXK7W8 | 358226 | 6757 | SH |  | SOLE |  | 0 | 0 | 6757 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JUL | 45782C789 | BBG00LNJLCX0 | 266578 | 5368 | SH |  | SOLE |  | 0 | 0 | 5368 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JUN | 45782C755 | BBG00PBD60M2 | 645095 | 14103 | SH |  | SOLE |  | 0 | 0 | 14103 |
| INNOVATOR ETFS TRUST | US EQTY PWR BF | 45782C680 | BBG00PVP39R2 | 400577 | 9432 | SH |  | SOLE |  | 0 | 0 | 9432 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C508 | BBG00MYXKL20 | 983951 | 21486 | SH |  | SOLE |  | 0 | 0 | 21486 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C656 | BBG00Q4028Q9 | 393164 | 9154 | SH |  | SOLE |  | 0 | 0 | 9154 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C573 | BBG00QPZ1F93 | 1627577 | 39639 | SH |  | SOLE |  | 0 | 0 | 39639 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C540 | BBG00QYND1G0 | 1625208 | 38677 | SH |  | SOLE |  | 0 | 0 | 38677 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C813 | BBG00LNDTJL3 | 547793 | 12013 | SH |  | SOLE |  | 0 | 0 | 12013 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C318 | BBG00TGM5Q16 | 304859 | 7838 | SH |  | SOLE |  | 0 | 0 | 7838 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C797 | BBG00M4NZTF8 | 1620517 | 37599 | SH |  | SOLE |  | 0 | 0 | 37599 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 702578 | 2490 | SH |  | SOLE |  | 0 | 0 | 2490 |
| INVESCO EXCH TRADED FD TR II | RUSEL 1000 EQL | 46138E420 | BBG007RBRW19 | 320944 | 6172 | SH |  | SOLE |  | 0 | 0 | 6172 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 7057219 | 37202 | SH |  | SOLE |  | 0 | 0 | 37202 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 | BBG001SPPQG9 | 1228322 | 17034 | SH |  | SOLE |  | 0 | 0 | 17034 |
| INVESCO EXCHANGE TRADED FD T | WILDERHIL CLAN | 46137V134 | BBG001SNPT69 | 203575 | 7049 | SH |  | SOLE |  | 0 | 0 | 7049 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 8687954 | 14471 | SH |  | SOLE |  | 0 | 0 | 14471 |
| IRON MTN INC DEL | COM | 46284V101 | BBG001SCQ2X1 | 341499 | 3350 | SH |  | SOLE |  | 0 | 0 | 3350 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 | BBG001SJK6D5 | 230826 | 3172 | SH |  | SOLE |  | 0 | 0 | 3172 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 | BBG00D7BDH70 | 301663 | 6948 | SH |  | SOLE |  | 0 | 0 | 6948 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 | BBG00H5VLN77 | 431389 | 6390 | SH |  | SOLE |  | 0 | 0 | 6390 |
| ISHARES INC | MSCI WORLD ETF | 464286392 | BBG002D9R378 | 723517 | 3985 | SH |  | SOLE |  | 0 | 0 | 3985 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 | BBG001SKXPR1 | 749875 | 9039 | SH |  | SOLE |  | 0 | 0 | 9039 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 | BBG001SSD812 | 740484 | 6196 | SH |  | SOLE |  | 0 | 0 | 6196 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 | BBG001S80936 | 339829 | 3523 | SH |  | SOLE |  | 0 | 0 | 3523 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 16529503 | 253287 | SH |  | SOLE |  | 0 | 0 | 253287 |
| ISHARES TR | CORE S US GWT | 464287671 | BBG001SFQL99 | 658160 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 41315291 | 61729 | SH |  | SOLE |  | 0 | 0 | 61729 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 7141826 | 49051 | SH |  | SOLE |  | 0 | 0 | 49051 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 | BBG00MC0P0K7 | 654894 | 13635 | SH |  | SOLE |  | 0 | 0 | 13635 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 | BBG00H4BFM35 | 247532 | 9780 | SH |  | SOLE |  | 0 | 0 | 9780 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 | BBG00H4BH3F2 | 255438 | 10842 | SH |  | SOLE |  | 0 | 0 | 10842 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 | BBG001SRYH02 | 553172 | 4392 | SH |  | SOLE |  | 0 | 0 | 4392 |
| ISHARES TR | ESG OPTIMIZED | 464288802 | BBG001SN86J4 | 255022 | 1880 | SH |  | SOLE |  | 0 | 0 | 1880 |
| ISHARES TR | MSCI ACWI ETF | 464288257 | BBG001S56QV7 | 5519232 | 39925 | SH |  | SOLE |  | 0 | 0 | 39925 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 2969913 | 31808 | SH |  | SOLE |  | 0 | 0 | 31808 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 | BBG001SK77D5 | 975031 | 18259 | SH |  | SOLE |  | 0 | 0 | 18259 |
| ISHARES TR | MSCI LW CRB TG | 46434V464 | BBG007PGJH85 | 235491 | 1038 | SH |  | SOLE |  | 0 | 0 | 1038 |
| ISHARES TR | RUS 1000 ETF | 464287622 | BBG001S562W9 | 7053033 | 19298 | SH |  | SOLE |  | 0 | 0 | 19298 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 20620345 | 44022 | SH |  | SOLE |  | 0 | 0 | 44022 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 6835738 | 33576 | SH |  | SOLE |  | 0 | 0 | 33576 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 | BBG001S562F8 | 203225 | 635 | SH |  | SOLE |  | 0 | 0 | 635 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 | BBG001S56277 | 310847 | 1758 | SH |  | SOLE |  | 0 | 0 | 1758 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 | BBG001S561Z8 | 771435 | 5417 | SH |  | SOLE |  | 0 | 0 | 5417 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 | BBG001S561V2 | 635219 | 4548 | SH |  | SOLE |  | 0 | 0 | 4548 |
| ISHARES TR | RUS MID CAP ETF | 464287499 | BBG001SJCNS1 | 2391640 | 24771 | SH |  | SOLE |  | 0 | 0 | 24771 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 396572 | 1639 | SH |  | SOLE |  | 0 | 0 | 1639 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 3177954 | 26325 | SH |  | SOLE |  | 0 | 0 | 26325 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 2230101 | 10799 | SH |  | SOLE |  | 0 | 0 | 10799 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | BBG00TSG0SK6 | 211556 | 3705 | SH |  | SOLE |  | 0 | 0 | 3705 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 | BBG00M8D48L9 | 6636603 | 131496 | SH |  | SOLE |  | 0 | 0 | 131496 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 | BBG00GP26NW0 | 47700252 | 940277 | SH |  | SOLE |  | 0 | 0 | 940277 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 693471 | 3740 | SH |  | SOLE |  | 0 | 0 | 3740 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 1303041 | 4131 | SH |  | SOLE |  | 0 | 0 | 4131 |
| LAM RESEARCH CORP | COM NEW | 512807306 | BBG001S5SW40 | 565326 | 4222 | SH |  | SOLE |  | 0 | 0 | 4222 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 437298 | 1439 | SH |  | SOLE |  | 0 | 0 | 1439 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 572990 | 6827 | SH |  | SOLE |  | 0 | 0 | 6827 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 249689 | 340 | SH |  | SOLE |  | 0 | 0 | 340 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 3192644 | 6164 | SH |  | SOLE |  | 0 | 0 | 6164 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 284144 | 237 | SH |  | SOLE |  | 0 | 0 | 237 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 1774003 | 9508 | SH |  | SOLE |  | 0 | 0 | 9508 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 1233519 | 4386 | SH |  | SOLE |  | 0 | 0 | 4386 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 605087 | 3317 | SH |  | SOLE |  | 0 | 0 | 3317 |
| PALO ALTO NETWORKS INC | COM | 697435105 | BBG001T9NWN5 | 236606 | 1162 | SH |  | SOLE |  | 0 | 0 | 1162 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 233730 | 1441 | SH |  | SOLE |  | 0 | 0 | 1441 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 | BBG001T618D9 | 41880294 | 415933 | SH |  | SOLE |  | 0 | 0 | 415933 |
| PNC FINL SVCS GROUP INC | COM | 693475105 | BBG001S5V947 | 221626 | 1103 | SH |  | SOLE |  | 0 | 0 | 1103 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 755651 | 4918 | SH |  | SOLE |  | 0 | 0 | 4918 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 257521 | 1539 | SH |  | SOLE |  | 0 | 0 | 1539 |
| SALESFORCE INC | COM | 79466L302 | BBG001SDLP09 | 346968 | 1464 | SH |  | SOLE |  | 0 | 0 | 1464 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 1793342 | 56200 | SH |  | SOLE |  | 0 | 0 | 56200 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 749505 | 28455 | SH |  | SOLE |  | 0 | 0 | 28455 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 261702 | 9380 | SH |  | SOLE |  | 0 | 0 | 9380 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 | BBG001S7T1S7 | 927528 | 10382 | SH |  | SOLE |  | 0 | 0 | 10382 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 | BBG001S7T223 | 499106 | 9265 | SH |  | SOLE |  | 0 | 0 | 9265 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 | BBG001S7TCZ5 | 3442638 | 12214 | SH |  | SOLE |  | 0 | 0 | 12214 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 348090 | 3673 | SH |  | SOLE |  | 0 | 0 | 3673 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 1564779 | 4402 | SH |  | SOLE |  | 0 | 0 | 4402 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 | BBG001SRXRN6 | 1006709 | 28829 | SH |  | SOLE |  | 0 | 0 | 28829 |
| SPDR INDEX SHS FDS | MSCI EAFE FS ETF | 78470E106 | BBG00F161GP7 | 531481 | 10777 | SH |  | SOLE |  | 0 | 0 | 10777 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 | BBG001SRXRD7 | 644059 | 13759 | SH |  | SOLE |  | 0 | 0 | 13759 |
| SPDR INDEX SHS FDS | S EM MKT DIV | 78463X533 | BBG001V0JXP2 | 550466 | 14169 | SH |  | SOLE |  | 0 | 0 | 14169 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 47606888 | 71463 | SH |  | SOLE |  | 0 | 0 | 71463 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 | BBG001S63NQ1 | 6210037 | 10419 | SH |  | SOLE |  | 0 | 0 | 10419 |
| SPDR SERIES TRUST | COMP SOFTWARE | 78464A599 | BBG0024LG5C2 | 391367 | 1979 | SH |  | SOLE |  | 0 | 0 | 1979 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 | BBG001STKD11 | 363942 | 14079 | SH |  | SOLE |  | 0 | 0 | 14079 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 | BBG001SPT9T9 | 35348167 | 618083 | SH |  | SOLE |  | 0 | 0 | 618083 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 | BBG001SPTB87 | 129905111 | 1658222 | SH |  | SOLE |  | 0 | 0 | 1658222 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 | BBG0029J2KF1 | 595431 | 20308 | SH |  | SOLE |  | 0 | 0 | 20308 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 | BBG001SD7RB9 | 3640606 | 34835 | SH |  | SOLE |  | 0 | 0 | 34835 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 | BBG001SG4284 | 2397615 | 43333 | SH |  | SOLE |  | 0 | 0 | 43333 |
| SPDR SERIES TRUST | S 400 MDCP GRW | 78464A821 | BBG001SPTBN0 | 205094 | 2240 | SH |  | SOLE |  | 0 | 0 | 2240 |
| SPDR SERIES TRUST | S 500 ESG ETF | 78468R531 | BBG00W7DVF50 | 880213 | 13842 | SH |  | SOLE |  | 0 | 0 | 13842 |
| SPDR SERIES TRUST | S METALS MNG | 78464A755 | BBG001SMH2W0 | 964423 | 10349 | SH |  | SOLE |  | 0 | 0 | 10349 |
| SPDR SERIES TRUST | S TRANSN ETF | 78464A532 | BBG001V08KP2 | 232851 | 2777 | SH |  | SOLE |  | 0 | 0 | 2777 |
| SPDR SERIES TRUST | SPDR S 500 ETF | 78468R796 | BBG00BKMB118 | 9488223 | 172985 | SH |  | SOLE |  | 0 | 0 | 172985 |
| STANDARD LITHIUM LTD | COM | 853606101 | BBG001S8KR43 | 179621 | 53300 | SH |  | SOLE |  | 0 | 0 | 53300 |
| STRATEGY INC | CL A NEW | 594972408 | BBG001SC7PX1 | 327365 | 1016 | SH |  | SOLE |  | 0 | 0 | 1016 |
| STRYKER CORPORATION | COM | 863667101 | BBG001S8FR03 | 286494 | 775 | SH |  | SOLE |  | 0 | 0 | 775 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 332206 | 747 | SH |  | SOLE |  | 0 | 0 | 747 |
| VALLEY NATL BANCORP | COM | 919794107 | BBG001S7H654 | 393228 | 37097 | SH |  | SOLE |  | 0 | 0 | 37097 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 | BBG001SR42Z0 | 284666 | 3726 | SH |  | SOLE |  | 0 | 0 | 3726 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 | BBG002D68GN8 | 1529323 | 4686 | SH |  | SOLE |  | 0 | 0 | 4686 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 | BBG001TC6MF8 | 200312 | 460 | SH |  | SOLE |  | 0 | 0 | 460 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 | BBG001SK3J43 | 336200 | 1606 | SH |  | SOLE |  | 0 | 0 | 1606 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 2647927 | 5521 | SH |  | SOLE |  | 0 | 0 | 5521 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 258295 | 839 | SH |  | SOLE |  | 0 | 0 | 839 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 693638 | 2361 | SH |  | SOLE |  | 0 | 0 | 2361 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 4226625 | 14389 | SH |  | SOLE |  | 0 | 0 | 14389 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 2628947 | 4293 | SH |  | SOLE |  | 0 | 0 | 4293 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 223766 | 880 | SH |  | SOLE |  | 0 | 0 | 880 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 2307691 | 7032 | SH |  | SOLE |  | 0 | 0 | 7032 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 1073809 | 5758 | SH |  | SOLE |  | 0 | 0 | 5758 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 | BBG01S6YYQV7 | 630932 | 8344 | SH |  | SOLE |  | 0 | 0 | 8344 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 994184 | 13930 | SH |  | SOLE |  | 0 | 0 | 13930 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 226527 | 4181 | SH |  | SOLE |  | 0 | 0 | 4181 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 | BBG001TCHM11 | 867745 | 2870 | SH |  | SOLE |  | 0 | 0 | 2870 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 312032 | 1446 | SH |  | SOLE |  | 0 | 0 | 1446 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 335852 | 5605 | SH |  | SOLE |  | 0 | 0 | 5605 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 485432 | 3444 | SH |  | SOLE |  | 0 | 0 | 3444 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 | BBG001T0Y6L1 | 394625 | 2865 | SH |  | SOLE |  | 0 | 0 | 2865 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 | BBG001T0Y6W9 | 569022 | 1414 | SH |  | SOLE |  | 0 | 0 | 1414 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 357083 | 1046 | SH |  | SOLE |  | 0 | 0 | 1046 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 212407 | 2061 | SH |  | SOLE |  | 0 | 0 | 2061 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 | BBG00L8YYQ05 | 10213185 | 133593 | SH |  | SOLE |  | 0 | 0 | 133593 |

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