Retirement Investment Advisors, Inc. — Q3 2025 13F Holdings

Name: Retirement Investment Advisors, Inc. — 13F Holdings, Q3 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0001957886

Total reported value

$1.2B

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	VUG	Vanguard Growth ETF	ETF-Other	21.07%	-0.02%	-0.26%
2	VTV	Vanguard Value ETF	ETF-Other	20.90%	-0.03%	+2.73%
3	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	14.94%	—	+1.75%
4	BIV	Vanguard Intermediate-term B	ETF-Other	10.90%	-0.01%	+3.04%
5	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	7.53%	—	+1.62%
6	VBR	Vanguard Small-cap Value ETF	ETF-Other	6.70%	—	+1.70%
7	BNDX	Vanguard Total Intl Bond ETF	ETF-Other	3.93%	-0.01%	+4.31%
8	MUB	Ishares National Muni Bond E	ETF-Other	3.47%	+0.01%	+10.69%
9	EMB	Ishares Jp Morgan Usd Emergi	ETF-Other	2.24%	—	+3.36%
10	HYLB	Xtrackers Usd High Yield Cor	ETF-High Yield	1.60%	—	+2.02%
11	VBK	Vanguard Small-cap Grwth ETF	ETF-Other	1.51%	—	+2.90%
12	HYD	Vaneck High Yield Muni ETF	ETF-High Yield	0.57%	+0.01%	+10.35%
13	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	0.41%	—	+4.46%
14	SCHV	Schwab US Large-cap Value	ETF-Other	0.35%	—	-0.14%
15	QQQ	Invesco Qqq Trust Series 1	ETF-Tech	0.35%	+0.01%	-0.64%
16	XOM	Exxon Mobil CORP	Stock-Energy	0.35%	—	+4.08%
17	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	0.24%	—	—
18	VEA	Vanguard Ftse Developed ETF	ETF-Other	0.21%	—	+0.09%
19	SDY	Ss Spdr S&p Dividend ETF	ETF-Other	0.19%	—	+0.35%
20	VXUS	Vanguard Total Intl Stock	ETF-Other	0.17%	—	-0.10%
21	NVDA	Nvidia CORP	Stock-Tech	0.15%	—	+2.21%
22	IJR	Ishares Core S&p Small-cap E	ETF-Small Cap	0.14%	—	-1.60%
23	✓		Stock-Other	0.14%	—	—
24	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	0.13%	—	+23.07%
25	✓	Berkshire Hathaway INC Del Cl B New	Stock-Other	0.13%	—	—
26	VWO	Vanguard Ftse Emerging Marke	ETF-Emerging Markets	0.12%	—	-0.54%
27	VCSH	Vanguard S/t CORP Bond ETF	ETF-Corp Bonds	0.11%	—	—
28	TXN	Texas Instruments INC	Stock-Tech	0.10%	—	-3.86%
29	TSLA	Tesla INC	Stock-Consumer Disc	0.10%	—	-0.37%
30	RSP	Invesco S&p 500 Equal Weight	ETF-Large Cap & Growth	0.09%	—	—
31	IBM	Intl Business Machines CORP	Stock-Tech	0.09%	—	—
32	OKE	Oneok INC	Stock-Energy	0.09%	+0.01%	—
33	PSX	Phillips 66	Stock-Energy	0.08%	—	—
34	ITOT	Ishares Core S&p Total U.s.	ETF-Other	0.07%	—	—
35	WMT	Walmart INC	Stock-Consumer Staples	0.07%	—	+34.57%
36	IWN	Ishares Russell 2000 Value E	ETF-Small Cap	0.06%	—	—
37	PWV	Invesco Large Cap Value ETF	ETF-Large Cap & Growth	0.06%	—	—
38	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	0.05%	—	—
39	OGE	Oge Energy CORP	Stock-Utilities	0.05%	—	—
40	IWM	Ishares Russell 2000 ETF	ETF-Small Cap	0.05%	—	—
41	COP	Conocophillips	Stock-Energy	0.04%	—	-14.48%
42	IAGG	Ishares Intl Aggregate Bond	ETF-Other	0.04%	—	+3.52%
43	VGT	Vanguard Info Tech ETF	ETF-Tech	0.03%	—	+19.04%
44	SGOV	Ishares 0-3 Month Treasury B	ETF-Gov Bonds	0.03%	—	-1.12%
45	MSFT	Microsoft CORP	Stock-Tech	0.03%	—	+16.48%
46	MCD	Mcdonald's CORP	Stock-Consumer Disc	0.03%	—	+7.80%
47	WMB	Williams Cos INC	Stock-Energy	0.03%	—	—
48	JNJ	Johnson & Johnson	Stock-Healthcare	0.02%	—	+13.37%
49	SPDW	Ste Str Spdr Pt Dw EU ETF	ETF-Other	0.02%	—	—
50	SFNC	Simmons First Natl Corp-cl A	Stock-Other	0.02%	—	—

1–50 of 65

Holding changes this quarter

Position changes disclosed by Retirement Investment Advisors, Inc. for the quarter ending Q3 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	VUG	Vanguard Growth ETF	+2.1%	-0.26%	Add
2	IEMG	Ishares Core Msci Emerging	+0.5%	+1.62%	Add
3	MUB	Ishares National Muni Bond E	+0.1%	+10.69%	Add
4	IEFA	Ishares Core Msci Eafe ETF	+0.1%	+1.75%	Add
5	NVDA	Nvidia CORP	+0.1%	+2.21%	Add
6	VEA	Vanguard Ftse Developed ETF	0%	+0.09%	Add
7	VBR	Vanguard Small-cap Value ETF	0%	+1.70%	Add
8	VBK	Vanguard Small-cap Grwth ETF	0%	+2.90%	Add
9	QQQ	Invesco Qqq Trust Series 1	0%	-0.64%	Trim
10	TSLA	Tesla INC	0%	-0.37%	Trim
11	WMT	Walmart INC	0%	+34.57%	Add
12	SPY	Ss Spdr S&p 500 ETF Trust-us	0%	+23.07%	Add
13	VGT	Vanguard Info Tech ETF	0%	+19.04%	Add
14	MSFT	Microsoft CORP	0%	+16.48%	Add
15	HYD	Vaneck High Yield Muni ETF	—	+10.35%	Add
16	VXUS	Vanguard Total Intl Stock	—	-0.10%	Trim
17	IBM	Intl Business Machines CORP	—	—	Unchanged
18	IWN	Ishares Russell 2000 Value E	—	—	Add
19	VTI	Vanguard Total Stock Mkt ETF	—	—	Unchanged
20	IWM	Ishares Russell 2000 ETF	—	—	Trim
21	PSX	Phillips 66	—	—	Unchanged
22	JNJ	Johnson & Johnson	—	+13.37%	Add
23	PWV	Invesco Large Cap Value ETF	—	—	Trim
24	RCL	Royal Caribbean Cruises Ltd.	—	—	Trim
25	F	Ford Motor Co	—	—	Trim
26	VWO	Vanguard Ftse Emerging Marke	0%	-0.54%	Trim
27	ET	Energy Transfer LP	0%	-39.65%	Trim
28	SPDW	Ste Str Spdr Pt Dw EU ETF	0%	—	Unchanged
29	IJR	Ishares Core S&p Small-cap E	0%	-1.60%	Trim
30	DGRW	Wisdomtree U.s. Quality Divi	0%	-47.85%	Trim
31	COP	Conocophillips	0%	-14.48%	Trim
32	SDY	Ss Spdr S&p Dividend ETF	0%	+0.35%	Add
33	SCHV	Schwab US Large-cap Value	0%	-0.14%	Add
34	OKE	Oneok INC	-0.1%	—	Unchanged
35	VTEB	Vanguard Tax-exempt Bond ETF	-0.1%	+4.46%	Add
36	XOM	Exxon Mobil CORP	-0.1%	+4.08%	Add
37	EMB	Ishares Jp Morgan Usd Emergi	-0.1%	+3.36%	Add
38	HYLB	Xtrackers Usd High Yield Cor	-0.2%	+2.02%	Add
39	BNDX	Vanguard Total Intl Bond ETF	-0.3%	+4.31%	Add
40	VTV	Vanguard Value ETF	-0.9%	+2.73%	Add
41	BIV	Vanguard Intermediate-term B	-1.2%	+3.04%	Add
42	IVV	Ishares Core S&p 500 ETF	—	NEW	New buy
43	✓		—	NEW	New buy
44	BRK-B	Berkshire Hathaway Inc-cl B	—	EXIT	Sold out
45	✓	Berkshire Hathaway INC Del Cl B New	—	NEW	New buy
46	AAPL	Apple INC	—	EXIT	Sold out
47	ITOT	Ishares Core S&p Total U.s.	—	NEW	New buy
48	UTHR	United Therapeutics CORP	—	NEW	New buy
49	✓		—	NEW	New buy
50	RTX	Rtx CORP	—	NEW	New buy