RETIREMENT INCOME SOLUTIONS, INC Diversified Active

Name: RETIREMENT INCOME SOLUTIONS, INC Q2 2026 13F Filing | 13F Explorer
Creator: RETIREMENT INCOME SOLUTIONS, INC
Published: 2026-08-03

Location: Ann Arbor, MI

CIK: 0001730386 · Show all filings

Period: Q2 2026 (← Previous)

Filing Date: Aug 3, 2026

Total Value: $581M (100.0% shares, 0.0% debt)

Holdings (172)

Increased Positions (4)

MCD MCDONALDS CORP 0.1%

Value $466K (+42.9%) Shares 1,500 (+42.9%) Est. Cost $238.75 Unrealized —

XOM EXXON MOBIL CORP 0.1%

Value $621K (+23.5%) Shares 3,660 (+23.5%) Est. Cost $98.78 Unrealized —

WMT WALMART INC 0.1%

Value $333K (+20.2%) Shares 2,680 (+20.2%) Est. Cost $100.50 Unrealized —

MRK MERCK & CO INC 0.1%

Value $741K (+4.1%) Shares 6,163 (+4.1%) Est. Cost $60.48 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
MCD	MCDONALDS CORP	1,500 (+42.9%)	$466K (+42.9%)	0.1%	$238.75	—	COM	580135101
XOM	EXXON MOBIL CORP	3,660 (+23.5%)	$621K (+23.5%)	0.1%	$98.78	—	COM	30231G102
WMT	WALMART INC	2,680 (+20.2%)	$333K (+20.2%)	0.1%	$100.50	—	COM	931142103
MRK	MERCK & CO INC	6,163 (+4.1%)	$741K (+4.1%)	0.1%	$60.48	—	COM	58933Y105

Exited Positions (1)

DIS DISNEY WALT CO 0.1%

Value $358K Shares 3,719 Est. Cost $99.30 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
DIS	DISNEY WALT CO	3,719	$358K	0.1%	$99.30	—	—	254687106

Decreased Positions (13)

AMZN AMAZON COM INC 0.3%

Value $1.764M (-48.6%) Shares 8,469 (-48.6%) Est. Cost $124.87 Unrealized —

ORCL ORACLE CORP 0.1%

Value $309K (-51.7%) Shares 2,101 (-51.7%) Est. Cost $48.41 Unrealized —

SPYX SPDR SERIES TRUST 1.5%

Value $8.735M (-2.8%) Shares 164,718 (-2.8%) Est. Cost $27071.09 Unrealized —

IJH ISHARES TR 2.7%

Value $15.6M (-1.5%) Shares 230,999 (-1.5%) Est. Cost $30202.90 Unrealized —

JMUB J P MORGAN EXCHANGE TRADED F 1.2%

Value $6.975M (-1.4%) Shares 139,531 (-1.4%) Est. Cost $50.05 Unrealized —

AVDE AMERICAN CENTY ETF TR 0.8%

Value $4.805M (-1.9%) Shares 56,639 (-1.9%) Est. Cost $76.81 Unrealized —

CWI SPDR INDEX SHS FDS 0.2%

Value $972K (-8.8%) Shares 26,562 (-8.8%) Est. Cost $32.80 Unrealized —

AMGN AMGEN INC 0.1%

Value $432K (-16.3%) Shares 1,229 (-16.3%) Est. Cost $146.35 Unrealized —

PDEC INNOVATOR ETFS TRUST 0.2%

Value $1.193M (-5.6%) Shares 28,059 (-5.6%) Est. Cost $26056.74 Unrealized —

PNOV INNOVATOR ETFS TRUST 0.3%

Value $1.553M (-4.1%) Shares 38,000 (-4.1%) Est. Cost $18724.60 Unrealized —

PG PROCTER & GAMBLE CO 0.1%

Value $653K (-8.3%) Shares 4,519 (-8.3%) Est. Cost $101.27 Unrealized —

JNJ JOHNSON & JOHNSON 0.1%

Value $751K (-6.5%) Shares 3,073 (-6.5%) Est. Cost $113.33 Unrealized —

SPYG SPDR SERIES TRUST 0.6%

Value $3.272M (-1.1%) Shares 33,419 (-1.1%) Est. Cost $30597.32 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AMZN	AMAZON COM INC	8,469 (-48.6%)	$1.764M (-48.6%)	0.3%	$124.87	—	COM	023135106
ORCL	ORACLE CORP	2,101 (-51.7%)	$309K (-51.7%)	0.1%	$48.41	—	COM	68389X105
SPYX	SPDR SERIES TRUST	164,718 (-2.8%)	$8.735M (-2.8%)	1.5%	$27071.09	—	ST STR SP500FF	78468R796
IJH	ISHARES TR	230,999 (-1.5%)	$15.6M (-1.5%)	2.7%	$30202.90	—	CORE S&P MCP ETF	464287507
JMUB	J P MORGAN EXCHANGE TRADED F	139,531 (-1.4%)	$6.975M (-1.4%)	1.2%	$50.05	—	MUNICIPAL ETF	46641Q647
AVDE	AMERICAN CENTY ETF TR	56,639 (-1.9%)	$4.805M (-1.9%)	0.8%	$76.81	—	INTL EQT ETF	025072703
CWI	SPDR INDEX SHS FDS	26,562 (-8.8%)	$972K (-8.8%)	0.2%	$32.80	—	ST STR ACWI ETF	78463X848
AMGN	AMGEN INC	1,229 (-16.3%)	$432K (-16.3%)	0.1%	$146.35	—	COM	031162100
PDEC	INNOVATOR ETFS TRUST	28,059 (-5.6%)	$1.193M (-5.6%)	0.2%	$26056.74	—	US EQTY PWR BUF	45782C540
PNOV	INNOVATOR ETFS TRUST	38,000 (-4.1%)	$1.553M (-4.1%)	0.3%	$18724.60	—	US EQTY PWR BUF	45782C573
PG	PROCTER & GAMBLE CO	4,519 (-8.3%)	$653K (-8.3%)	0.1%	$101.27	—	COM	742718109
JNJ	JOHNSON & JOHNSON	3,073 (-6.5%)	$751K (-6.5%)	0.1%	$113.33	—	COM	478160104
SPYG	SPDR SERIES TRUST	33,419 (-1.1%)	$3.272M (-1.1%)	0.6%	$30597.32	—	ST STR P500GRW	78464A409

Unchanged Positions (155)

SPYM SPDR SERIES TRUST 24.4%

Value $142M Shares 1,849,918 Est. Cost $6396.74 Unrealized —

SPMD SPDR SERIES TRUST 7.3%

Value $42.31M Shares 714,469 Est. Cost $10103.79 Unrealized —

IVV ISHARES TR 6.2%

Value $35.84M Shares 54,870 Est. Cost $200010.84 Unrealized —

IWF ISHARES TR 3.1%

Value $18M Shares 42,222 Est. Cost $168751.38 Unrealized —

SPY STATE STR SPDR S&P 500 ETF T 7.8%

Value $45.31M Shares 69,678 Est. Cost $262696.47 Unrealized —

MDY STATE STR SPDR S&P MIDCAP 40 1.1%

Value $6.257M Shares 10,145 Est. Cost $345417.97 Unrealized —

MINT PIMCO ETF TR 6.0%

Value $34.89M Shares 346,949 Est. Cost $100.54 Unrealized —

JPST J P MORGAN EXCHANGE TRADED F 6.3%

Value $36.38M Shares 718,740 Est. Cost $50.68 Unrealized —

SPYV SPDR SERIES TRUST 0.4%

Value $2.396M Shares 42,343 Est. Cost $20935.15 Unrealized —

PM PHILIP MORRIS INTL INC 0.0%

Value $264K Shares 1,597 Est. Cost $140.57 Unrealized —

GAMR AMPLIFY ETF TR 0.0%

Value $217K Shares 2,895 Est. Cost $59.20 Unrealized —

IRM IRON MTN INC DEL 0.1%

Value $342K Shares 3,350 Est. Cost $47.24 Unrealized —

PNC PNC FINL SVCS GROUP INC 0.0%

Value $203K Shares 975 Est. Cost $165.97 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 0.1%

Value $541K Shares 8,436 Est. Cost $52.30 Unrealized —

QQQ INVESCO QQQ TR 1.3%

Value $7.678M Shares 13,302 Est. Cost $410.06 Unrealized —

PBW INVESCO EXCHANGE TRADED FD T 0.0%

Value $216K Shares 6,837 Est. Cost $28.88 Unrealized —

VO VANGUARD INDEX FDS 0.7%

Value $4.016M Shares 13,985 Est. Cost $94294.94 Unrealized —

IVW ISHARES TR 0.5%

Value $2.973M Shares 26,284 Est. Cost $83208.11 Unrealized —

FELC FIDELITY COVINGTON TRUST 0.0%

Value $215K Shares 5,926 Est. Cost $34.49 Unrealized —

RSP INVESCO EXCHANGE TRADED FD T 1.2%

Value $7.062M Shares 36,798 Est. Cost $161.29 Unrealized —

SO SOUTHERN CO 0.1%

Value $355K Shares 3,673 Est. Cost $60.02 Unrealized —

BND VANGUARD BD INDEX FDS 0.1%

Value $375K Shares 5,094 Est. Cost $73.64 Unrealized —

ECL ECOLAB INC 0.1%

Value $658K Shares 2,472 Est. Cost $133.84 Unrealized —

DE DEERE & CO 0.0%

Value $238K Shares 422 Est. Cost $551.35 Unrealized —

XTN SPDR SERIES TRUST 0.0%

Value $258K Shares 2,777 Est. Cost $72.47 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 0.1%

Value $311K Shares 1,446 Est. Cost $155.38 Unrealized —

IBB ISHARES TR 0.0%

Value $200K Shares 1,186 Est. Cost $168.77 Unrealized —

IEF ISHARES TR 0.0%

Value $278K Shares 2,909 Est. Cost $97.20 Unrealized —

MGV VANGUARD WORLD FD 0.1%

Value $415K Shares 2,865 Est. Cost $109.37 Unrealized —

VUG VANGUARD INDEX FDS 0.4%

Value $2.412M Shares 5,521 Est. Cost $107553.84 Unrealized —

VV VANGUARD INDEX FDS 0.0%

Value $251K Shares 839 Est. Cost $174.65 Unrealized —

VLY VALLEY NATL BANCORP 0.1%

Value $521K Shares 42,438 Est. Cost $10.33 Unrealized —

ESGE ISHARES INC 0.1%

Value $347K Shares 7,628 Est. Cost $33.46 Unrealized —

DFAE DIMENSIONAL ETF TRUST 0.8%

Value $4.402M Shares 130,010 Est. Cost $32.60 Unrealized —

JBND J P MORGAN EXCHANGE TRADED F 0.3%

Value $1.526M Shares 28,371 Est. Cost $53.86 Unrealized —

EQAL INVESCO EXCH TRADED FD TR II 0.1%

Value $340K Shares 6,172 Est. Cost $48.30 Unrealized —

BTG B2GOLD CORP 0.0%

Value $79,179 Shares 17,482 Est. Cost $2.80 Unrealized —

VTV VANGUARD INDEX FDS 0.2%

Value $1.124M Shares 5,730 Est. Cost $56121.30 Unrealized —

NFLX NETFLIX INC. 0.0%

Value $220K Shares 2,290 Est. Cost $106.68 Unrealized —

VOO VANGUARD INDEX FDS 0.5%

Value $2.78M Shares 4,652 Est. Cost $114256.45 Unrealized —

BJAN INNOVATOR ETFS TRUST 0.1%

Value $360K Shares 6,757 Est. Cost $36.11 Unrealized —

EFA ISHARES TR 0.6%

Value $3.246M Shares 33,414 Est. Cost $11241.75 Unrealized —

SMH VANECK ETF TRUST 0.3%

Value $1.603M Shares 4,181 Est. Cost $177.95 Unrealized —

PJUL INNOVATOR ETFS TRUST 0.1%

Value $552K Shares 12,013 Est. Cost $19657.23 Unrealized —

CL COLGATE PALMOLIVE CO 0.0%

Value $206K Shares 2,415 Est. Cost $88.75 Unrealized —

MMM 3M CO 0.0%

Value $253K Shares 1,744 Est. Cost $124.28 Unrealized —

SPEM SPDR INDEX SHS FDS 0.1%

Value $546K Shares 11,639 Est. Cost $10165.79 Unrealized —

BBIO BRIDGEBIO PHARMA INC 0.0%

Value $267K Shares 3,599 Est. Cost $36.37 Unrealized —

VB VANGUARD INDEX FDS 0.0%

Value $230K Shares 880 Est. Cost $214.49 Unrealized —

ETN EATON CORP PLC 0.1%

Value $511K Shares 1,430 Est. Cost $168.21 Unrealized —

VOE VANGUARD INDEX FDS 0.0%

Value $242K Shares 1,313 Est. Cost $184.28 Unrealized —

LNT ALLIANT ENERGY CORP 0.1%

Value $467K Shares 6,502 Est. Cost $33.80 Unrealized —

DFAC DIMENSIONAL ETF TRUST 0.1%

Value $366K Shares 9,410 Est. Cost $22.92 Unrealized —

FESM FIDELITY COVINGTON TRUST 1.0%

Value $5.701M Shares 150,039 Est. Cost $32.67 Unrealized —

SLV ISHARES SILVER TR 0.0%

Value $246K Shares 3,615 Est. Cost $68.14 Unrealized —

IWP ISHARES TR 0.1%

Value $605K Shares 4,725 Est. Cost $100491.11 Unrealized —

MSFT MICROSOFT CORP 0.4%

Value $2.345M Shares 6,336 Est. Cost $168.50 Unrealized —

LRCX LAM RESEARCH CORP 0.2%

Value $892K Shares 4,175 Est. Cost $79.47 Unrealized —

SHY ISHARES TR 0.1%

Value $558K Shares 6,752 Est. Cost $81.84 Unrealized —

MDYG SPDR SERIES TRUST 0.0%

Value $225K Shares 2,349 Est. Cost $91.60 Unrealized —

FBND FIDELITY MERRIMACK STR TR 0.1%

Value $489K Shares 10,723 Est. Cost $45.62 Unrealized —

AVGO BROADCOM INC 0.1%

Value $530K Shares 1,713 Est. Cost $181.87 Unrealized —

SUSA ISHARES TR 0.0%

Value $212K Shares 1,606 Est. Cost $128.04 Unrealized —

XLE SELECT SECTOR SPDR TR 0.3%

Value $1.547M Shares 25,251 Est. Cost $60.50 Unrealized —

IWR ISHARES TR 0.4%

Value $2.303M Shares 23,684 Est. Cost $42491.55 Unrealized —

XME SPDR SERIES TRUST 0.2%

Value $1.011M Shares 9,363 Est. Cost $52.95 Unrealized —

JPM JPMORGAN CHASE & CO 0.2%

Value $1.201M Shares 4,083 Est. Cost $112.32 Unrealized —

SLI STANDARD LITHIUM CORP 0.0%

Value $182K Shares 53,300 Est. Cost $4.65 Unrealized —

SUSB ISHARES TR 0.0%

Value $245K Shares 9,787 Est. Cost $25.31 Unrealized —

IAU ISHARES GOLD TR 0.1%

Value $633K Shares 7,179 Est. Cost $81.36 Unrealized —

BAR GRANITESHARES GOLD TR 0.0%

Value $251K Shares 5,446 Est. Cost $46.13 Unrealized —

BNOV INNOVATOR ETFS TRUST 0.0%

Value $278K Shares 6,459 Est. Cost $31.61 Unrealized —

IWB ISHARES TR 1.1%

Value $6.152M Shares 17,255 Est. Cost $171697.62 Unrealized —

GDX VANECK ETF TRUST 0.1%

Value $435K Shares 4,735 Est. Cost $79.68 Unrealized —

SCHA SCHWAB STRATEGIC TR 0.0%

Value $273K Shares 9,380 Est. Cost $36.33 Unrealized —

TSLA TESLA INC 0.0%

Value $278K Shares 747 Est. Cost $334.75 Unrealized —

COST COSTCO WHOLESALE CORPORATION 0.1%

Value $387K Shares 388 Est. Cost $554.36 Unrealized —

SPTS SPDR SERIES TRUST 0.1%

Value $326K Shares 11,180 Est. Cost $29.29 Unrealized —

TT TRANE TECHNOLOGIES PLC 0.0%

Value $201K Shares 482 Est. Cost $422.16 Unrealized —

IWD ISHARES TR 1.2%

Value $6.924M Shares 32,403 Est. Cost $132848.23 Unrealized —

CINF CINCINNATI FINL CORP 0.1%

Value $307K Shares 1,950 Est. Cost $96.11 Unrealized —

PSEP INNOVATOR ETFS TRUST 0.1%

Value $394K Shares 9,154 Est. Cost $29329.59 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 0.3%

Value $1.572M Shares 20,926 Est. Cost $69.75 Unrealized —

XLK SELECT SECTOR SPDR TR 0.5%

Value $3.08M Shares 23,178 Est. Cost $26504.87 Unrealized —

RTX RTX CORPORATION 0.0%

Value $275K Shares 1,426 Est. Cost $131.75 Unrealized —

VONE VANGUARD SCOTTSDALE FDS 0.1%

Value $847K Shares 2,870 Est. Cost $104818.87 Unrealized —

SCHX SCHWAB STRATEGIC TR 0.1%

Value $730K Shares 28,455 Est. Cost $7611.87 Unrealized —

SCHD SCHWAB STRATEGIC TR 0.0%

Value $245K Shares 7,992 Est. Cost $30.68 Unrealized —

PAPR INNOVATOR ETFS TRUST 0.1%

Value $539K Shares 13,545 Est. Cost $28455.41 Unrealized —

ABBV ABBVIE INC 0.0%

Value $290K Shares 1,334 Est. Cost $183.58 Unrealized —

IVE ISHARES TR 0.4%

Value $2.086M Shares 9,879 Est. Cost $92669.21 Unrealized —

IEI ISHARES TR 0.1%

Value $601K Shares 5,071 Est. Cost $115.13 Unrealized —

PMAY INNOVATOR ETFS TRUST 0.1%

Value $313K Shares 7,838 Est. Cost $20919.90 Unrealized —

ESGU ISHARES TR 1.3%

Value $7.712M Shares 54,534 Est. Cost $121.33 Unrealized —

GOOG ALPHABET INC 0.3%

Value $1.959M Shares 6,828 Est. Cost $105.79 Unrealized —

SCHG SCHWAB STRATEGIC TR 0.3%

Value $1.83M Shares 62,838 Est. Cost $8659.28 Unrealized —

GLD SPDR GOLD TR 0.3%

Value $1.591M Shares 3,698 Est. Cost $130392.85 Unrealized —

JEPI J P MORGAN EXCHANGE TRADED F 0.0%

Value $210K Shares 3,705 Est. Cost $57.10 Unrealized —

VOT VANGUARD INDEX FDS 0.1%

Value $603K Shares 2,343 Est. Cost $243.92 Unrealized —

FBTC FIDELITY WISE ORIGIN BITCOIN 0.0%

Value $254K Shares 4,296 Est. Cost $76.01 Unrealized —

CRM SALESFORCE INC 0.0%

Value $266K Shares 1,423 Est. Cost $169.25 Unrealized —

MGK VANGUARD WORLD FD 0.1%

Value $633K Shares 1,723 Est. Cost $317.18 Unrealized —

XSW SPDR SERIES TRUST 0.0%

Value $242K Shares 1,704 Est. Cost $132.28 Unrealized —

LMBS FIRST TR EXCHANGE-TRADED FD 0.1%

Value $330K Shares 6,632 Est. Cost $49.34 Unrealized —

IWS ISHARES TR 0.1%

Value $507K Shares 3,478 Est. Cost $20715.17 Unrealized —

VTI VANGUARD INDEX FDS 0.4%

Value $2.256M Shares 7,032 Est. Cost $217.58 Unrealized —

BA BOEING CO 0.0%

Value $203K Shares 1,021 Est. Cost $189.69 Unrealized —

PJAN INNOVATOR ETFS TRUST 0.2%

Value $885K Shares 19,175 Est. Cost $19082.17 Unrealized —

IEMG ISHARES INC 0.0%

Value $242K Shares 3,466 Est. Cost $69.75 Unrealized —

BJUN INNOVATOR ETFS TRUST 0.1%

Value $652K Shares 14,103 Est. Cost $25010.52 Unrealized —

DSI ISHARES TR 0.1%

Value $532K Shares 4,392 Est. Cost $33285.12 Unrealized —

ACWI ISHARES TR 1.0%

Value $5.616M Shares 40,588 Est. Cost $42614.02 Unrealized —

META META PLATFORMS INC 0.0%

Value $202K Shares 353 Est. Cost $655.57 Unrealized —

PAUG INNOVATOR ETFS TRUST 0.1%

Value $403K Shares 9,432 Est. Cost $31.05 Unrealized —

EFIV SPDR SERIES TRUST 0.2%

Value $955K Shares 15,138 Est. Cost $44.37 Unrealized —

IWM ISHARES TR 0.1%

Value $341K Shares 1,374 Est. Cost $114815.41 Unrealized —

CFBK CF BANKSHARES INC 0.1%

Value $331K Shares 11,843 Est. Cost $19.78 Unrealized —

EFAX SPDR INDEX SHS FDS 0.1%

Value $524K Shares 10,525 Est. Cost $41.40 Unrealized —

XLF SELECT SECTOR SPDR TR 0.1%

Value $497K Shares 10,062 Est. Cost $43.46 Unrealized —

LLY ELI LILLY & CO 0.3%

Value $1.733M Shares 1,884 Est. Cost $572.33 Unrealized —

VYM VANGUARD WHITEHALL FDS 0.1%

Value $521K Shares 3,518 Est. Cost $21975.41 Unrealized —

SPDW SPDR INDEX SHS FDS 0.0%

Value $204K Shares 4,460 Est. Cost $45.65 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 0.0%

Value $226K Shares 4,181 Est. Cost $44.08 Unrealized —

EMXC ISHARES INC 0.1%

Value $519K Shares 6,600 Est. Cost $51.07 Unrealized —

GLDM WORLD GOLD TR 2.1%

Value $12.03M Shares 129,822 Est. Cost $40.91 Unrealized —

POCT INNOVATOR ETFS TRUST 0.3%

Value $1.948M Shares 45,195 Est. Cost $16416.56 Unrealized —

NEE NEXTERA ENERGY INC 0.1%

Value $339K Shares 3,649 Est. Cost $87.17 Unrealized —

DTE DTE ENERGY CO 0.1%

Value $361K Shares 2,472 Est. Cost $90.91 Unrealized —

AAPL APPLE INC 0.9%

Value $5.131M Shares 20,218 Est. Cost $117.01 Unrealized —

QQQM INVESCO EXCH TRADED FD TR II 0.1%

Value $621K Shares 2,612 Est. Cost $251.01 Unrealized —

EEM ISHARES TR 0.2%

Value $1.261M Shares 22,207 Est. Cost $12687.90 Unrealized —

VXF VANGUARD INDEX FDS 0.1%

Value $331K Shares 1,606 Est. Cost $140.20 Unrealized —

IWN ISHARES TR 0.1%

Value $333K Shares 1,758 Est. Cost $159.55 Unrealized —

URTH ISHARES INC 0.1%

Value $717K Shares 3,985 Est. Cost $117.67 Unrealized —

EAGG ISHARES TR 0.1%

Value $567K Shares 11,934 Est. Cost $47.45 Unrealized —

VBIL VANGUARD INSTL INDEX FD 0.1%

Value $631K Shares 8,344 Est. Cost $75.55 Unrealized —

GOOGL ALPHABET INC 0.4%

Value $2.468M Shares 8,584 Est. Cost $112.47 Unrealized —

IBM INTERNATIONAL BUSINESS MACHS 0.1%

Value $612K Shares 2,524 Est. Cost $157.95 Unrealized —

SUSC ISHARES TR 0.0%

Value $251K Shares 10,842 Est. Cost $22.96 Unrealized —

DBEF DBX ETF TR 0.1%

Value $709K Shares 14,349 Est. Cost $31781.06 Unrealized —

KO COCA COLA CO 0.1%

Value $811K Shares 10,661 Est. Cost $55.41 Unrealized —

DFAX DIMENSIONAL ETF TRUST 0.1%

Value $465K Shares 13,691 Est. Cost $18.92 Unrealized —

EDIV SPDR INDEX SHS FDS 0.1%

Value $559K Shares 14,169 Est. Cost $35.52 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.5%

Value $3.111M Shares 6,492 Est. Cost $277.32 Unrealized —

ZAUG INNOVATOR ETFS TRUST 0.1%

Value $501K Shares 18,821 Est. Cost $26.46 Unrealized —

BKLC BNY MELLON ETF TRUST 0.2%

Value $931K Shares 7,460 Est. Cost $69.88 Unrealized —

BJUL INNOVATOR ETFS TRUST 0.0%

Value $267K Shares 5,368 Est. Cost $37.63 Unrealized —

SPAB SPDR SERIES TRUST 0.1%

Value $627K Shares 24,467 Est. Cost $25.66 Unrealized —

PHO INVESCO EXCHANGE TRADED FD T 0.2%

Value $1.083M Shares 16,193 Est. Cost $60.86 Unrealized —

IUSG ISHARES TR 0.1%

Value $620K Shares 4,000 Est. Cost $88.77 Unrealized —

PLTR PALANTIR TECHNOLOGIES INC 0.1%

Value $465K Shares 3,180 Est. Cost $62.53 Unrealized —

V VISA INC 0.1%

Value $342K Shares 1,132 Est. Cost $235.17 Unrealized —

AXP AMERICAN EXPRESS CO 0.0%

Value $210K Shares 695 Est. Cost $279.37 Unrealized —

HD HOME DEPOT INC 0.1%

Value $295K Shares 897 Est. Cost $171.01 Unrealized —

NVDA NVIDIA CORPORATION 0.3%

Value $1.722M Shares 9,871 Est. Cost $101.73 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SPYM	SPDR SERIES TRUST	1,849,918	$142M	24.4%	$6396.74	—	ST STR P500ETF	78464A854
SPMD	SPDR SERIES TRUST	714,469	$42.31M	7.3%	$10103.79	—	ST STR P400MID	78464A847
IVV	ISHARES TR	54,870	$35.84M	6.2%	$200010.84	—	CORE S&P500 ETF	464287200
IWF	ISHARES TR	42,222	$18M	3.1%	$168751.38	—	RUS 1000 GRW ETF	464287614
SPY	STATE STR SPDR S&P 500 ETF T	69,678	$45.31M	7.8%	$262696.47	—	TR UNIT	78462F103
MDY	STATE STR SPDR S&P MIDCAP 40	10,145	$6.257M	1.1%	$345417.97	—	UTSER1 S&PDCRP	78467Y107
MINT	PIMCO ETF TR	346,949	$34.89M	6.0%	$100.54	—	ENHAN SHRT MA AC	72201R833
JPST	J P MORGAN EXCHANGE TRADED F	718,740	$36.38M	6.3%	$50.68	—	ULTRA SHRT ETF	46641Q837
SPYV	SPDR SERIES TRUST	42,343	$2.396M	0.4%	$20935.15	—	ST STR P500VAL	78464A508
PM	PHILIP MORRIS INTL INC	1,597	$264K	0.0%	$140.57	—	COM	718172109
GAMR	AMPLIFY ETF TR	2,895	$217K	0.0%	$59.20	—	VIDE GAME LE ETF	032108615
IRM	IRON MTN INC DEL	3,350	$342K	0.1%	$47.24	—	COM	46284V101
PNC	PNC FINL SVCS GROUP INC	975	$203K	0.0%	$165.97	—	COM	693475105
VEA	VANGUARD TAX-MANAGED FDS	8,436	$541K	0.1%	$52.30	—	VAN FTSE DEV MKT	921943858
QQQ	INVESCO QQQ TR	13,302	$7.678M	1.3%	$410.06	—	UNIT SER 1	46090E103
PBW	INVESCO EXCHANGE TRADED FD T	6,837	$216K	0.0%	$28.88	—	WILDERHIL CLAN	46137V134
VO	VANGUARD INDEX FDS	13,985	$4.016M	0.7%	$94294.94	—	MID CAP ETF	922908629
IVW	ISHARES TR	26,284	$2.973M	0.5%	$83208.11	—	S&P 500 GRWT ETF	464287309
FELC	FIDELITY COVINGTON TRUST	5,926	$215K	0.0%	$34.49	—	ENHANCED LARGE	316092113
RSP	INVESCO EXCHANGE TRADED FD T	36,798	$7.062M	1.2%	$161.29	—	S&P500 EQL WGT	46137V357
SO	SOUTHERN CO	3,673	$355K	0.1%	$60.02	—	COM	842587107
BND	VANGUARD BD INDEX FDS	5,094	$375K	0.1%	$73.64	—	TOTAL BND MRKT	921937835
ECL	ECOLAB INC	2,472	$658K	0.1%	$133.84	—	COM	278865100
DE	DEERE & CO	422	$238K	0.0%	$551.35	—	COM	244199105
XTN	SPDR SERIES TRUST	2,777	$258K	0.0%	$72.47	—	ST STR SP TRANS	78464A532
VIG	VANGUARD SPECIALIZED FUNDS	1,446	$311K	0.1%	$155.38	—	DIV APP ETF	921908844
IBB	ISHARES TR	1,186	$200K	0.0%	$168.77	—	ISHARES BIOTECH	464287556
IEF	ISHARES TR	2,909	$278K	0.0%	$97.20	—	7-10 YR TRSY BD	464287440
MGV	VANGUARD WORLD FD	2,865	$415K	0.1%	$109.37	—	MEGA CAP VAL ETF	921910840
VUG	VANGUARD INDEX FDS	5,521	$2.412M	0.4%	$107553.84	—	GROWTH ETF	922908736
VV	VANGUARD INDEX FDS	839	$251K	0.0%	$174.65	—	LARGE CAP ETF	922908637
VLY	VALLEY NATL BANCORP	42,438	$521K	0.1%	$10.33	—	COM	919794107
ESGE	ISHARES INC	7,628	$347K	0.1%	$33.46	—	ESG AWR MSCI EM	46434G863
DFAE	DIMENSIONAL ETF TRUST	130,010	$4.402M	0.8%	$32.60	—	EMGR CRE EQT MNG	25434V302
JBND	J P MORGAN EXCHANGE TRADED F	28,371	$1.526M	0.3%	$53.86	—	ACTIVE BOND ETF	46654Q716
EQAL	INVESCO EXCH TRADED FD TR II	6,172	$340K	0.1%	$48.30	—	RUSEL 1000 EQL	46138E420
BTG	B2GOLD CORP	17,482	$79,179	0.0%	$2.80	—	COM	11777Q209
VTV	VANGUARD INDEX FDS	5,730	$1.124M	0.2%	$56121.30	—	VALUE ETF	922908744
NFLX	NETFLIX INC.	2,290	$220K	0.0%	$106.68	—	COM	64110L106
VOO	VANGUARD INDEX FDS	4,652	$2.78M	0.5%	$114256.45	—	S&P 500 ETF SHS	922908363
BJAN	INNOVATOR ETFS TRUST	6,757	$360K	0.1%	$36.11	—	US EQTY BUFR JAN	45782C409
EFA	ISHARES TR	33,414	$3.246M	0.6%	$11241.75	—	MSCI EAFE ETF	464287465
SMH	VANECK ETF TRUST	4,181	$1.603M	0.3%	$177.95	—	SEMICONDUCTR ETF	92189F676
PJUL	INNOVATOR ETFS TRUST	12,013	$552K	0.1%	$19657.23	—	US EQTY PWR BUF	45782C813
CL	COLGATE PALMOLIVE CO	2,415	$206K	0.0%	$88.75	—	COM	194162103
MMM	3M CO	1,744	$253K	0.0%	$124.28	—	COM	88579Y101
SPEM	SPDR INDEX SHS FDS	11,639	$546K	0.1%	$10165.79	—	ST PORT MARK ETF	78463X509
BBIO	BRIDGEBIO PHARMA INC	3,599	$267K	0.0%	$36.37	—	COM	10806X102
VB	VANGUARD INDEX FDS	880	$230K	0.0%	$214.49	—	SMALL CP ETF	922908751
ETN	EATON CORP PLC	1,430	$511K	0.1%	$168.21	—	SHS	G29183103
VOE	VANGUARD INDEX FDS	1,313	$242K	0.0%	$184.28	—	MCAP VL IDXVIP	922908512
LNT	ALLIANT ENERGY CORP	6,502	$467K	0.1%	$33.80	—	COM	018802108
DFAC	DIMENSIONAL ETF TRUST	9,410	$366K	0.1%	$22.92	—	US COR EQU 2 ETF	25434V708
FESM	FIDELITY COVINGTON TRUST	150,039	$5.701M	1.0%	$32.67	—	ENHANCED SML CAP	31609A206
SLV	ISHARES SILVER TR	3,615	$246K	0.0%	$68.14	—	ISHARES	46428Q109
IWP	ISHARES TR	4,725	$605K	0.1%	$100491.11	—	RUS MD CP GR ETF	464287481
MSFT	MICROSOFT CORP	6,336	$2.345M	0.4%	$168.50	—	COM	594918104
LRCX	LAM RESEARCH CORP	4,175	$892K	0.2%	$79.47	—	COM NEW	512807306
SHY	ISHARES TR	6,752	$558K	0.1%	$81.84	—	1 3 YR TREAS BD	464287457
MDYG	SPDR SERIES TRUST	2,349	$225K	0.0%	$91.60	—	ST STR SP400GRW	78464A821
FBND	FIDELITY MERRIMACK STR TR	10,723	$489K	0.1%	$45.62	—	TOTAL BD ETF	316188309
AVGO	BROADCOM INC	1,713	$530K	0.1%	$181.87	—	COM	11135F101
SUSA	ISHARES TR	1,606	$212K	0.0%	$128.04	—	ESG OPTIMIZED	464288802
XLE	SELECT SECTOR SPDR TR	25,251	$1.547M	0.3%	$60.50	—	ST STR ENERG ETF	81369Y506
IWR	ISHARES TR	23,684	$2.303M	0.4%	$42491.55	—	RUS MID CAP ETF	464287499
XME	SPDR SERIES TRUST	9,363	$1.011M	0.2%	$52.95	—	ST STR SP METAL	78464A755
JPM	JPMORGAN CHASE & CO	4,083	$1.201M	0.2%	$112.32	—	COM	46625H100
SLI	STANDARD LITHIUM CORP	53,300	$182K	0.0%	$4.65	—	COM	853606101
SUSB	ISHARES TR	9,787	$245K	0.0%	$25.31	—	ESG AWRE 1 5 YR	46435G243
IAU	ISHARES GOLD TR	7,179	$633K	0.1%	$81.36	—	ISHARES NEW	464285204
BAR	GRANITESHARES GOLD TR	5,446	$251K	0.0%	$46.13	—	SHS BEN INT	38748G101
BNOV	INNOVATOR ETFS TRUST	6,459	$278K	0.0%	$31.61	—	US EQTY BUF NOV	45782C581
IWB	ISHARES TR	17,255	$6.152M	1.1%	$171697.62	—	RUS 1000 ETF	464287622
GDX	VANECK ETF TRUST	4,735	$435K	0.1%	$79.68	—	GOLD MINERS ETF	92189F106
SCHA	SCHWAB STRATEGIC TR	9,380	$273K	0.0%	$36.33	—	US SML CAP ETF	808524607
TSLA	TESLA INC	747	$278K	0.0%	$334.75	—	COM	88160R101
COST	COSTCO WHOLESALE CORPORATION	388	$387K	0.1%	$554.36	—	COM	22160K105
SPTS	SPDR SERIES TRUST	11,180	$326K	0.1%	$29.29	—	ST SHO TREAS ETF	78468R101
TT	TRANE TECHNOLOGIES PLC	482	$201K	0.0%	$422.16	—	SHS	G8994E103
IWD	ISHARES TR	32,403	$6.924M	1.2%	$132848.23	—	RUS 1000 VAL ETF	464287598
CINF	CINCINNATI FINL CORP	1,950	$307K	0.1%	$96.11	—	COM	172062101
PSEP	INNOVATOR ETFS TRUST	9,154	$394K	0.1%	$29329.59	—	US EQTY PWR BUF	45782C656
VEU	VANGUARD INTL EQUITY INDEX F	20,926	$1.572M	0.3%	$69.75	—	ALLWRLD EX US	922042775
XLK	SELECT SECTOR SPDR TR	23,178	$3.08M	0.5%	$26504.87	—	ST STR TECHN ETF	81369Y803
RTX	RTX CORPORATION	1,426	$275K	0.0%	$131.75	—	COM	75513E101
VONE	VANGUARD SCOTTSDALE FDS	2,870	$847K	0.1%	$104818.87	—	VNG RUS1000IDX	92206C730
SCHX	SCHWAB STRATEGIC TR	28,455	$730K	0.1%	$7611.87	—	US LRG CAP ETF	808524201
SCHD	SCHWAB STRATEGIC TR	7,992	$245K	0.0%	$30.68	—	US DIVIDEND EQ	808524797
PAPR	INNOVATOR ETFS TRUST	13,545	$539K	0.1%	$28455.41	—	US EQT PWR BUF	45782C870
ABBV	ABBVIE INC	1,334	$290K	0.0%	$183.58	—	COM	00287Y109
IVE	ISHARES TR	9,879	$2.086M	0.4%	$92669.21	—	S&P 500 VAL ETF	464287408
IEI	ISHARES TR	5,071	$601K	0.1%	$115.13	—	3 7 YR TREAS BD	464288661
PMAY	INNOVATOR ETFS TRUST	7,838	$313K	0.1%	$20919.90	—	US EQTY PWR BUF	45782C318
ESGU	ISHARES TR	54,534	$7.712M	1.3%	$121.33	—	ESG AWR MSCI USA	46435G425
GOOG	ALPHABET INC	6,828	$1.959M	0.3%	$105.79	—	CAP STK CL C	02079K107
SCHG	SCHWAB STRATEGIC TR	62,838	$1.83M	0.3%	$8659.28	—	US LCAP GR ETF	808524300
GLD	SPDR GOLD TR	3,698	$1.591M	0.3%	$130392.85	—	GOLD SHS	78463V107
JEPI	J P MORGAN EXCHANGE TRADED F	3,705	$210K	0.0%	$57.10	—	EQUITY PREMIUM	46641Q332
VOT	VANGUARD INDEX FDS	2,343	$603K	0.1%	$243.92	—	MCAP GR IDXVIP	922908538
FBTC	FIDELITY WISE ORIGIN BITCOIN	4,296	$254K	0.0%	$76.01	—	SHS	315948109
CRM	SALESFORCE INC	1,423	$266K	0.0%	$169.25	—	COM	79466L302
MGK	VANGUARD WORLD FD	1,723	$633K	0.1%	$317.18	—	MEGA GRWTH IND	921910816
XSW	SPDR SERIES TRUST	1,704	$242K	0.0%	$132.28	—	ST STR SW SERV	78464A599
LMBS	FIRST TR EXCHANGE-TRADED FD	6,632	$330K	0.1%	$49.34	—	FST LOW OPPT EFT	33739Q200
IWS	ISHARES TR	3,478	$507K	0.1%	$20715.17	—	RUS MDCP VAL ETF	464287473
VTI	VANGUARD INDEX FDS	7,032	$2.256M	0.4%	$217.58	—	TOTAL STK MKT	922908769
BA	BOEING CO	1,021	$203K	0.0%	$189.69	—	COM	097023105
PJAN	INNOVATOR ETFS TRUST	19,175	$885K	0.2%	$19082.17	—	US EQTY PWR BUF	45782C508
IEMG	ISHARES INC	3,466	$242K	0.0%	$69.75	—	CORE MSCI EMKT	46434G103
BJUN	INNOVATOR ETFS TRUST	14,103	$652K	0.1%	$25010.52	—	US EQTY BUFR JUN	45782C755
DSI	ISHARES TR	4,392	$532K	0.1%	$33285.12	—	ESG MSCI KLD ETF	464288570
ACWI	ISHARES TR	40,588	$5.616M	1.0%	$42614.02	—	MSCI ACWI ETF	464288257
META	META PLATFORMS INC	353	$202K	0.0%	$655.57	—	CL A	30303M102
PAUG	INNOVATOR ETFS TRUST	9,432	$403K	0.1%	$31.05	—	US EQTY PWR BF	45782C680
EFIV	SPDR SERIES TRUST	15,138	$955K	0.2%	$44.37	—	SPDR S&P 500 ESG	78468R531
IWM	ISHARES TR	1,374	$341K	0.1%	$114815.41	—	RUSSELL 2000 ETF	464287655
CFBK	CF BANKSHARES INC	11,843	$331K	0.1%	$19.78	—	COM	12520L109
EFAX	SPDR INDEX SHS FDS	10,525	$524K	0.1%	$41.40	—	ST STR MSCI EAFE	78470E106
XLF	SELECT SECTOR SPDR TR	10,062	$497K	0.1%	$43.46	—	ST STR FINL ETF	81369Y605
LLY	ELI LILLY & CO	1,884	$1.733M	0.3%	$572.33	—	COM	532457108
VYM	VANGUARD WHITEHALL FDS	3,518	$521K	0.1%	$21975.41	—	HIGH DIV YLD	921946406
SPDW	SPDR INDEX SHS FDS	4,460	$204K	0.0%	$45.65	—	ST STR PO EX ETF	78463X889
VWO	VANGUARD INTL EQUITY INDEX F	4,181	$226K	0.0%	$44.08	—	FTSE EMR MKT ETF	922042858
EMXC	ISHARES INC	6,600	$519K	0.1%	$51.07	—	MSCI EMRG CHN	46434G764
GLDM	WORLD GOLD TR	129,822	$12.03M	2.1%	$40.91	—	SPDR GLD MINIS	98149E303
POCT	INNOVATOR ETFS TRUST	45,195	$1.948M	0.3%	$16416.56	—	US EQTY PWR BUF	45782C797
NEE	NEXTERA ENERGY INC	3,649	$339K	0.1%	$87.17	—	COM	65339F101
DTE	DTE ENERGY CO	2,472	$361K	0.1%	$90.91	—	COM	233331107
AAPL	APPLE INC	20,218	$5.131M	0.9%	$117.01	—	COM	037833100
QQQM	INVESCO EXCH TRADED FD TR II	2,612	$621K	0.1%	$251.01	—	NASDAQ 100 ETF	46138G649
EEM	ISHARES TR	22,207	$1.261M	0.2%	$12687.90	—	MSCI EMG MKT ETF	464287234
VXF	VANGUARD INDEX FDS	1,606	$331K	0.1%	$140.20	—	EXTEND MKT ETF	922908652
IWN	ISHARES TR	1,758	$333K	0.1%	$159.55	—	RUS 2000 VAL ETF	464287630
URTH	ISHARES INC	3,985	$717K	0.1%	$117.67	—	MSCI WORLD ETF	464286392
EAGG	ISHARES TR	11,934	$567K	0.1%	$47.45	—	ESG AWR US AGRGT	46435U549
VBIL	VANGUARD INSTL INDEX FD	8,344	$631K	0.1%	$75.55	—	0 3 MO TR BI ETF	922040845
GOOGL	ALPHABET INC	8,584	$2.468M	0.4%	$112.47	—	CAP STK CL A	02079K305
IBM	INTERNATIONAL BUSINESS MACHS	2,524	$612K	0.1%	$157.95	—	COM	459200101
SUSC	ISHARES TR	10,842	$251K	0.0%	$22.96	—	ESG AWRE USD ETF	46435G193
DBEF	DBX ETF TR	14,349	$709K	0.1%	$31781.06	—	XTRACK MSCI EAFE	233051200
KO	COCA COLA CO	10,661	$811K	0.1%	$55.41	—	COM	191216100
DFAX	DIMENSIONAL ETF TRUST	13,691	$465K	0.1%	$18.92	—	WORLD EX US CORE	25434V880
EDIV	SPDR INDEX SHS FDS	14,169	$559K	0.1%	$35.52	—	ST MAR DIVID ETF	78463X533
BRK/B	BERKSHIRE HATHAWAY INC DEL	6,492	$3.111M	0.5%	$277.32	—	CL B NEW	084670702
ZAUG	INNOVATOR ETFS TRUST	18,821	$501K	0.1%	$26.46	—	EQUI DEFI 1 AUG	45783Y111
BKLC	BNY MELLON ETF TRUST	7,460	$931K	0.2%	$69.88	—	US LRG CP CORE	09661T107
BJUL	INNOVATOR ETFS TRUST	5,368	$267K	0.0%	$37.63	—	US EQTY BUFR JUL	45782C789
SPAB	SPDR SERIES TRUST	24,467	$627K	0.1%	$25.66	—	ST STR AGGRE ETF	78464A649
PHO	INVESCO EXCHANGE TRADED FD T	16,193	$1.083M	0.2%	$60.86	—	WATER RES ETF	46137V142
IUSG	ISHARES TR	4,000	$620K	0.1%	$88.77	—	CORE S&P US GWT	464287671
PLTR	PALANTIR TECHNOLOGIES INC	3,180	$465K	0.1%	$62.53	—	CL A	69608A108
V	VISA INC	1,132	$342K	0.1%	$235.17	—	COM CL A	92826C839
AXP	AMERICAN EXPRESS CO	695	$210K	0.0%	$279.37	—	COM	025816109
HD	HOME DEPOT INC	897	$295K	0.1%	$171.01	—	COM	437076102
NVDA	NVIDIA CORPORATION	9,871	$1.722M	0.3%	$101.73	—	COM	67066G104