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Livermore
Livermore
ZHEN

Retirement Income Solutions, Inc

SEC CIK
0001730386
Latest filing
Aug 3, 2026

The latest 13F from Retirement Income Solutions, Inc covers Q2 2026 (filed Aug 3, 2026): 172 long positions worth $580.8M. The top 10 holdings make up 67.3% of the portfolio, and the largest is State Street SPDR Portfolio S&P 500 ETF at 24.4%. Livermore has 23 filings on Form 13F from this institution, going back to Q1 2021.

What changed in Q2 2026

Share counts compared with Q1 2026: how many positions were new, added to, reduced or sold out, and the biggest buys and sells. Dollar amounts are estimated at the quarter-end prices implied by the filing.

Full comparison
New
0
Added
5
Est. +$360.6K
Reduced
24
Est. −$84.6M
Sold out
1
Est. −$358.4K

Top 5 holdings

Share of this quarter's portfolio value

  1. State Street SPDR Portfolio S&P 500 ETF78464A854
    24.4%$141.6M
  2. SPYSPDR S&P 500 ETF Trust
    7.8%$45.3MHistory
  3. State Street SPDR Portfolio S&P 400 Mid Cap ETF78464A847
    7.3%$42.3M
  4. JPMorgan Ultra-Short Income ETF46641Q837
    6.3%$36.4M
  5. iShares Core S&P 500 ETF464287200
    6.2%$35.8M

Share of portfolio

Top 5 holdings and the other 167 positions, by share of portfolio value

  1. State Street SPDR Portfolio S&P 500 ETF24.4%
  2. SPY7.8%
  3. State Street SPDR Portfolio S&P 400 Mid Cap ETF7.3%
  4. JPMorgan Ultra-Short Income ETF6.3%
  5. iShares Core S&P 500 ETF6.2%
  6. Other 167 positions48.1%

Biggest buys

New and added positions, by estimated amount bought

  1. MCDMcDonalds Corp
    +$139.9KAddedHistory
  2. XOMExxonMobil Holdings Corp
    +$118.1KAddedHistory
  3. WMTWalmart Inc.
    +$55.9KAddedHistory
  4. MRKMerck & Co., Inc.
    +$29.2KAddedHistory
  5. State Street SPDR Portfolio S&P 500 Value ETF78464A508
    +$17.5KAdded

Largest weight increases

New and added positions, by percentage points of the portfolio gained

  1. MCDMcDonalds Corp
    +0.02 pp0.1% → 0.1%History
  2. XOMExxonMobil Holdings Corp
    +0.02 pp0.1% → 0.1%History
  3. WMTWalmart Inc.
    +0.01 pp<0.1% → 0.1%History
  4. State Street SPDR Portfolio S&P 500 Value ETF78464A508
    +0.01 pp0.4% → 0.4%
  5. MRKMerck & Co., Inc.
    +0.01 pp0.1% → 0.1%History

Biggest sells

Reduced and sold-out positions, by estimated amount sold

  1. iShares Russell 1000 Growth ETF464287614
    −$53.6MReducedConverted for a 4-for-1 split
  2. Vanguard Morningstar Growth ETF922908736
    −$12.1MReducedConverted for a 6-for-1 split
  3. Vanguard Morningstar Mid-Cap ETF922908629
    −$12.0MReducedConverted for a 4-for-1 split
  4. Vanguard World FD921910816
    −$2.53MReducedConverted for a 5-for-1 split
  5. AMZNAmazon Com Inc
    −$1.67MReducedHistory

Largest weight decreases

Reduced and sold-out positions, by percentage points of the portfolio lost

  1. AMZNAmazon Com Inc
    −0.28 pp0.6% → 0.3%History
  2. DISWalt Disney Co
    −0.06 pp0.1% → 0.0%History
  3. ORCLOracle Corp
    −0.06 pp0.1% → 0.1%History
  4. SPDR Series Trust78468R796
    −0.03 pp1.5% → 1.5%
  5. iShares Core S&P Mid-Cap ETF464287507
    −0.02 pp2.7% → 2.7%

Metrics

13F metrics for Q2 2026, computed only from the numbers in the filings. Definitions below.

Portfolio value
$580.8M
−$4.26M (−0.7%) vs. prior quarter
Positions
172
−1 vs. prior quarter
Top 10 concentration
67.3%
Top 10 as share of value
Turnover
0.1%
Q2 2026, one quarter
Average holding period
17.7 quarters
Weighted by value

How these are calculated

  • Portfolio value: the market value of all long positions in the 13F, as reported at quarter end, excluding options.
  • Top 10 concentration: the combined value of the 10 largest positions as a share of portfolio value.
  • Turnover: the smaller of this quarter's estimated purchases and estimated sales, divided by the average of this and last quarter's portfolio value. Estimates multiply the change in shares by the quarter-end price implied by the filing (market value divided by shares); new positions use this quarter's value and sold-out positions last quarter's. Only positions reported in shares count, and it is not calculated when the previous quarter was not filed.
  • Average holding period: how many consecutive quarters each current position has been held (including this one; a quarter without the position or without a filing starts the count over), weighted by this quarter's value. Counting starts with the first 13F in Livermore (Q1 2021), so positions held before then are understated.

13F filings by quarter

22 quarters, going back to Q1 2021. Bars show each quarter's 13F portfolio value; quarters without a filing are left blank.

Peak $589.6M (Q4 2025)

Q1 2021: $290.2MQ2 2021: $292.3MQ3 2021: $298.6MQ4 2021: $374.0MQ1 2022: $361.9MQ2 2022: $280.6MQ3 2022: $278.6MQ4 2022: $314.9MQ1 2023: $342.9MQ2 2023: $373.6MQ3 2023: $357.4MQ4 2023: $402.3MQ1 2024: $441.0MQ2 2024: $413.9MQ3 2024: $437.7MQ4 2024: $495.6MQ1 2025: $477.9MQ2 2025: $545.0MQ3 2025: $584.8MQ4 2025: $589.6MQ1 2026: $585.1MQ2 2026: $580.8M
Q1 2021Q2 2026
13F filings of Retirement Income Solutions, Inc by quarter
QuarterFiledPositionsValueTop 3 holdingsChangesFiling
Q2 2026Aug 3, 2026172$580.8MState Street SPDR Portfolio S&P 500 ETFSPYState Street SPDR Portfolio S&P 400 Mid Cap ETFvs. Q1 2026SEC
Q1 2026May 4, 2026173$585.1MState Street SPDR Portfolio S&P 500 ETFSPYState Street SPDR Portfolio S&P 400 Mid Cap ETFvs. Q4 2025SEC
Q4 2025Jan 27, 2026170$589.6MState Street SPDR Portfolio S&P 500 ETFSPYState Street SPDR Portfolio S&P 400 Mid Cap ETFvs. Q3 2025SEC
Q3 2025Oct 14, 2025165$584.8MState Street SPDR Portfolio S&P 500 ETFJPMorgan Ultra-Short Income ETFSPYvs. Q2 2025SEC
Q2 2025Jul 15, 2025158$545.0MState Street SPDR Portfolio S&P 500 ETFJPMorgan Ultra-Short Income ETFSPYvs. Q1 2025SEC
Q1 2025May 6, 2025146$477.9MiShares Core S&P 500 ETFState Street SPDR Portfolio S&P 500 ETFiShares Core S&P Mid-Cap ETFvs. Q4 2024SEC
Q4 2024Jan 31, 2025149$495.6MiShares Core S&P 500 ETFiShares Core S&P Mid-Cap ETFSPYvs. Q3 2024SEC
Q3 2024Nov 8, 2024146$437.7MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q2 2024SEC
Q2 2024Aug 1, 2024141$413.9MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q1 2024SEC
Q1 2024May 3, 2024156$441.0MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q4 2023SEC
Q4 2023Feb 8, 2024143$402.3MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q3 2023SEC
Q3 2023Nov 1, 2023129$357.4MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q2 2023SEC
Q2 2023Jul 28, 2023139$373.6MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q1 2023SEC
Q1 2023May 5, 2023134$342.9MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q4 2022SEC
Q4 2022Feb 8, 2023120$314.9MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q3 2022SEC
Q3 2022Nov 2, 2022111$278.6MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q2 2022SEC
Q2 2022Aug 16, 2022112$280.6MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q1 2022SEC
Q1 2022Jun 2, 2022Amended115$361.9MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q4 2021SEC
Q4 2021Feb 4, 2022111$374.0MiShares Core S&P 500 ETFSPYiShares Core S&P Mid-Cap ETFvs. Q3 2021SEC
Q3 2021Nov 4, 202199$298.6MiShares Core S&P 500 ETFSPYiShares Russell 1000 Value ETFvs. Q2 2021SEC
Q2 2021Jul 29, 2021100$292.3MiShares Core S&P 500 ETFSPYiShares Russell 1000 Value ETFvs. Q1 2021SEC
Q1 2021May 13, 202194$290.2MiShares Core S&P 500 ETFSPYiShares Russell 1000 Growth ETF–SEC