Retirement Investment Advisors, Inc.
Sector Allocation
- Other98.2%$1.4B
- Energy0.7%$10.5M
- Technology0.4%$5.9M
- Financials0.3%$4.5M
- Consumer Discretionary0.1%$1.6M
- Healthcare0.1%$1.3M
- Consumer Staples0.1%$889,659
- Utilities0.0%$491,172
- Industrials0.0%$269,564
AUM History
13fpro.ai/research/fund/retirement-investment-advisors-inc-1957886
Conviction and streaks
Stable · top 10 = 93.3%From the fund's last 12 quarters of 13F filings: positions held longest at size, and names it added to or trimmed several quarters running.
Largest positions — Q3 2026
- VANGUARD$305.4M
- VANGUARD$303.9M
- ISHARES$211.4M
- VANGUARD$144.4M
- ISHARES$112.9M
- VANGUARD$91.9M
- ISHARES$55.0M
- VANGUARD$52.1M
- BLACKROCK$28.9M
- VANGUARD$26.0M
- DBX$20.2M
- VANECK$8.5M
- SCHWAB$6.2M
XOM.R34088
$6.0M- VANGUARD$5.2M
QQQ
$4.8M- VANGUARD$3.9M
- ISHARES$3.4M
AAPL
$2.2M- SPDR$2.2M
Top 20 stock positions. Options are left out: 13F reports them at the underlying's value.
13fpro.ai/research/fund/retirement-investment-advisors-inc-1957886
Retirement Investment Advisors, Inc. 13F holdings — Q3 2026
$1.4B portfolio (+1.8% QoQ) · 66 holdings · Q3 2026 13F · top 10 are 93% of the stock portfolio
- 1
VANGUARD INDEX FDS - GROWTH ETF
$305.4M
21.4% of stocks
+2%This quarter—Since filed—HeldAIQuality—Est. buy— - 2
VANGUARD INDEX FDS - VALUE ETF
$303.9M
21.3% of stocks
-1%This quarter—Since filed—HeldAIQuality—Est. buy— - 3
ISHARES TR - CORE MSCI EAFE
$211.4M
14.8% of stocks
+2%This quarter—Since filed—HeldAIQuality—Est. buy— - 4
VANGUARD BD INDEX FDS - INTERMED TERM
$144.4M
10.1% of stocks
+9%This quarter—Since filed—HeldAIQuality—Est. buy— - 5
ISHARES INC - CORE MSCI EMKT
$112.9M
7.9% of stocks
+0.6%This quarter—Since filed—HeldAIQuality—Est. buy— - 6
VANGUARD INDEX FDS - SM CP VAL ETF
$91.9M
6.4% of stocks
-0.2%This quarter—Since filed—HeldAIQuality—Est. buy— - 7
ISHARES TR - NATIONAL MUN ETF
$55.0M
3.9% of stocks
+0.2%This quarter—Since filed—HeldAIQuality—Est. buy— - 8
VANGUARD CHARLOTTE FDS - TOTAL INT BD ETF
$52.1M
3.6% of stocks
+4%This quarter—Since filed—HeldAIQuality—Est. buy— - 9
BLACKROCK ETF TRUST - I Shares
$28.9M
2.0% of stocks
+3%This quarter—Since filed—HeldAIQuality—Est. buy— - 10
VANGUARD INDEX FDS - SML CP GRW ETF
$26.0M
1.8% of stocks
+7%This quarter—Since filed—HeldAIQuality—Est. buy—
| # | Company | Value | Weight | This quarter | Since filed | Held | AI quality | Est. buy | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | VANGUARD INDEX FDS - GROWTH ETF | $305.4M | 21.4% | +2% | — | — | — | — | |
| 2 | VANGUARD INDEX FDS - VALUE ETF | $303.9M | 21.3% | -1% | — | — | — | — | |
| 3 | ISHARES TR - CORE MSCI EAFE | $211.4M | 14.8% | +2% | — | — | — | — | |
| 4 | VANGUARD BD INDEX FDS - INTERMED TERM | $144.4M | 10.1% | +9% | — | — | — | — | |
| 5 | ISHARES INC - CORE MSCI EMKT | $112.9M | 7.9% | +0.6% | — | — | — | — | |
| 6 | VANGUARD INDEX FDS - SM CP VAL ETF | $91.9M | 6.4% | -0.2% | — | — | — | — | |
| 7 | ISHARES TR - NATIONAL MUN ETF | $55.0M | 3.9% | +0.2% | — | — | — | — | |
| 8 | VANGUARD CHARLOTTE FDS - TOTAL INT BD ETF | $52.1M | 3.6% | +4% | — | — | — | — | |
| 9 | BLACKROCK ETF TRUST - I Shares | $28.9M | 2.0% | +3% | — | — | — | — | |
| 10 | VANGUARD INDEX FDS - SML CP GRW ETF | $26.0M | 1.8% | +7% | — | — | — | — |
All holdings — Retirement Investment Advisors, Inc. (Q3 2026)
66 disclosed positions from the Form 13F-HR on SEC EDGAR, with quarter-over-quarter share changes. Largest by value first; the ten above are not repeated.
| # | Company | Held | Source | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 11 | — | DBX ETF TR - XTRACK USD HIGHetf/fund | — | $20.2M | 1.4% | 573K | +4% | — | — | 13F |
| 12 | — | VANECK ETF TRUST - HIGH YLD MUNIETFetf/fund | — | $8.5M | 0.6% | 178K | +5% | — | — | 13F |
| 13 | — | SCHWAB STRATEGIC TR - US LCAP VA ETFetf/fund | — | $6.2M | 0.4% | 185K | -1% | — | — | 13F |
| 14 | EXXON MOBIL CORP | Energy | $6.0M | 0.4% | 37K | New | 1 qtr | 57.8 | 13F | |
| 15 | — | VANGUARD MUN BD FDS - TAX EXEMPT BDetf/fund | — | $5.2M | 0.4% | 109K | +2% | — | — | 13F |
| 16 | INVESCO QQQ TRUST, SERIES 1etf/fund | — | $4.8M | 0.3% | 6,529 | -0.3% | 10+ qtrs | — | 13F | |
| 17 | — | VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKTetf/fund | — | $3.9M | 0.3% | 55K | -0.1% | — | — | 13F |
| 18 | — | ISHARES TR - CORE S&P500 ETFetf/fund | — | $3.4M | 0.2% | 4,412 | -2% | — | — | 13F |
| 19 | Apple Inc. | Technology | $2.2M | 0.2% | 6,746 | +0.7% | 10+ qtrs | 75.7 | 13F | |
| 20 | — | SPDR SER TR - S&P DIVID ETFetf/fund | — | $2.2M | 0.2% | 15K | -0.2% | — | — | 13F |
| 21 | — | VANGUARD STAR FDS - VG TL INTL STK Fetf/fund | — | $2.2M | 0.2% | 26K | — | — | — | 13F |
| 22 | — | VANGUARD INTL EQUITY INDEX F - FTSE EMR MKT ETFetf/fund | — | $2.0M | 0.1% | 33K | -0.0% | — | — | 13F |
| 23 | — | ISHARES TR - CORE S&P SCP ETFetf/fund | — | $1.9M | 0.1% | 14K | +0.4% | — | — | 13F |
| 24 | SPDR S&P 500 ETF TRUSTetf/fund | — | $1.8M | 0.1% | 2,344 | -2% | 10+ qtrsTrimmed 2 qtrs in a row | — | 13F | |
| 25 | NVIDIA CORP | Technology | $1.6M | 0.1% | 7,101 | — | 10+ qtrs | AI quality score is Pro: unlock with a free trial | 13F | |
| 26 | $BRK.B | BERKSHIRE HATHAWAY INC | Financials | $1.6M | 0.1% | 3,183 | — | |||
| 27 | — | SEI EXCHANGE TRADED FUNDS - HY BND Alt | — | $1.4M | 0.1% | 58K | -3% | |||
| 28 | $PSX | Phillips 66 | Energy | $1.4M | 0.1% | 5,472 | -5% | |||
| 29 | — | VANGUARD SCOTTSDALE FDS - SHRT TRM CORP BD | — | $1.2M | 0.1% | 16K | — | |||
| 30 | $IVZ | Invesco Ltd. | Financials | $1.1M | 0.1% | 5,455 | -9% | |||
| 31 | — | ISHARES TR - RUS 2000 VAL ETF | — | $1.0M | 0.1% | 4,909 | +0.2% | |||
| 32 | $OKE | ONEOK INC /NEW/ | Energy | $1.0M | 0.1% | 12K | -10% | |||
| 33 | — | ISHARES TR - CORE S&P TTL STK | — | $957K | 0.1% | 5,756 | -4% | |||
| 34 | $WMT | Walmart Inc. | Consumer Staples | $890K | 0.1% | 8,561 | -0.7% | |||
| 35 | $TSLA | Tesla, Inc. | Consumer Discretionary | $859K | 0.1% | 2,422 | — | |||
| 36 | $IBM | INTERNATIONAL BUSINESS MACHINES CORP | Technology | $825K | 0.1% | 3,750 | — | |||
| 37 | $IVZ | Invesco Ltd. | Financials | $791K | 0.1% | 10K | — | |||
| 38 | — | ISHARES TR - CORE INTL AGGR | — | $737K | 0.1% | 15K | +1% | |||
| 39 | — | VANGUARD INDEX FDS - TOTAL STK MKT | — | $722K | 0.1% | 1,930 | -3% | |||
| 40 | $COP | CONOCOPHILLIPS | Energy | $695K | 0.1% | 5,554 | +2% | |||
| 41 | — | ISHARES TR - RUSSELL 2000 ETF | — | $605K | 0.0% | 2,177 | — | |||
| 42 | $MSFT | MICROSOFT CORP | Technology | $599K | 0.0% | 1,168 | +15% | |||
| 43 | $ET | Energy Transfer LP | Energy | $579K | 0.0% | 29K | +3% | |||
| 44 | $OGE | OGE ENERGY CORP. | Utilities | $491K | 0.0% | 11K | -2% | |||
| 45 | — | VANGUARD WORLD FD - INF TECH ETF | — | $472K | 0.0% | 3,752 | — | |||
| 46 | $JNJ | JOHNSON & JOHNSON | Healthcare | $431K | 0.0% | 1,629 | -2% | |||
| 47 | $BANF | BANCFIRST CORP /OK/ | Financials | $416K | 0.0% | 3,954 | +111% | |||
| 48 | — | SPDR SER TR - NUVEEN BLOOMBERG | — | $363K | 0.0% | 15K | — | |||
| 49 | $SFNC | SIMMONS FIRST NATIONAL CORP | Financials | $339K | 0.0% | 15K | — | |||
| 50 | $UTHR | UNITED THERAPEUTICS Corp | Healthcare | $325K | 0.0% | 600 | — | |||
| 51 | — | ISHARES TR - 0-3 MNTH TREASRY | — | $323K | 0.0% | 3,210 | -3% | |||
| 52 | $GOOG | Alphabet Inc. | Technology | $316K | 0.0% | 928 | — | |||
| 53 | — | SPDR INDEX SHS FDS - PORTFOLIO DEVLPD | — | $314K | 0.0% | 6,259 | -2% | |||
| 54 | — | VANGUARD INDEX FDS - S&P 500 ETF SHS | — | $311K | 0.0% | 444 | — | |||
| 55 | $SHEL | Shell plc | Energy | $298K | 0.0% | 3,130 | — | |||
| 56 | $MRK | Merck & Co., Inc. | Healthcare | $294K | 0.0% | 2,023 | — | |||
| 57 | $V | VISA INC. | Financials | $276K | 0.0% | 768 | New | |||
| 58 | $RTX | RTX Corp | Industrials | $270K | 0.0% | 1,452 | — | |||
| 59 | $GOOGL | Alphabet Inc. | Technology | $266K | 0.0% | 774 | +10% | |||
| 60 | $SLI | STANDARD LITHIUM LTD. | Healthcare | $263K | 0.0% | 144K | New | |||
| 61 | $EPD | ENTERPRISE PRODUCTS PARTNERS L.P. | Energy | $246K | 0.0% | 6,900 | — | |||
| 62 | $AMZN | AMAZON COM INC | Consumer Discretionary | $245K | 0.0% | 985 | — | |||
| 63 | — | ISHARES TR - MSCI EAFE ETF | — | $243K | 0.0% | 2,341 | -0.0% | |||
| 64 | $F | FORD MOTOR CO | Consumer Discretionary | $241K | 0.0% | 20K | — | |||
| 65 | $MCD | MCDONALDS CORP | Consumer Discretionary | $233K | 0.0% | 1,008 | — | |||
| 66 | $TTE | TotalEnergies SE | Energy | $215K | 0.0% | 2,516 | — |
What changed in Q3 2026
Against the previous quarter's 13F: 3 new, 20 added to, 21 trimmed, 3 sold out. Share-count changes; largest moves by dollar size first.
New positions (3)
first bought this quarter
$VVISA INC.$276K
first bought this quarter
$SLISTANDARD LITHIUM LTD.$263K
first bought this quarter
Added to (20)
- VANGUARD BD INDEX FDS - INTERMED TERM+9%
now $144.4M
- VANGUARD INDEX FDS - GROWTH ETF+2%
now $305.4M
- ISHARES TR - CORE MSCI EAFE+2%
now $211.4M
- VANGUARD CHARLOTTE FDS - TOTAL INT BD ETF+4%
now $52.1M
- VANGUARD INDEX FDS - SML CP GRW ETF+7%
now $26.0M
- BLACKROCK ETF TRUST - I Shares+3%
now $28.9M
+14 more in the Excel export
Trimmed (21)
- VANGUARD INDEX FDS - VALUE ETF-1%
now $303.9M
- VANGUARD INDEX FDS - SM CP VAL ETF-0.2%
now $91.9M
$OKEONEOK INC /NEW/-10%
now $1.0M · held 10+ qtrs
$IVZInvesco Ltd.-9%
now $1.1M · held 10+ qtrs
- ISHARES TR - CORE S&P500 ETF-2%
now $3.4M
$PSXPhillips 66-5%
now $1.4M · held 10+ qtrs, 2 trims in a row
+15 more in the Excel export
Holdings by quarter
Every 13F Retirement Investment Advisors, Inc. has filed, 14 earlier quarters. Pick one to see what it held then.
Is it too late to follow Retirement Investment Advisors?
Q3 2026 13F filed with the SEC on Oct 22, 2026. Prices are closing prices as of Oct 26, 2026.
Average quality of Retirement Investment Advisors's top 20 holdings: 66/100 (our AI quality score, weighted by position size; 17 of the 20 are scored)
Top 10 since filing
+0.5%
Value-weighted move of the 10 largest stock positions
Turnover
0%
Last quarter; 1% over the last 4
Top 10 weight
93%
Share of the stock portfolio in its 10 largest positions
Held 4+ quarters
77%
Share of portfolio value in positions held a year or more
Highest-quality names it owns(among its 100 largest positions)
The 8 highest-scoring companies in this portfolio are a Pro feature.
How these are measured
- Moves since the quarter-end and since the filing date use our own daily closing prices, from the close on (or just before) each date to the latest close.
- Turnover is the lesser of shares bought or sold in a quarter, valued at the quarter-end prices in the 13F, divided by the average of the two quarters' stock portfolio values.
- Quarters held and add/trim streaks count back only through quarters whose filed holdings add up to the filing's own cover-page total (back to Q2 2024 for this fund). A change counts as an add or a trim when the split-adjusted share count moves by more than 1%.
- Estimate, not the fund's reported cost. For each quarter in the current holding period in which the fund's share count rose (split-adjusted), we take that quarter's average daily close and weight it by the shares added; sales do not change an average cost. Quarters where the stock's price history and the 13F's own implied price disagree by more than 2x are left out.
- Put and call option rows report the value of the underlying shares, not a position the fund paid for, so they are left out of all of the above.
Portfolio Overview
Retirement Investment Advisors, Inc. disclosed 66 positions worth $1.4B in its Form 13F-HR for Q3 2026. During the quarter the fund opened 3 new positions and exited 3 — including a new stake in $XOM.R34088 and a full exit from $RCL. The portfolio is most concentrated in Other (98.2% of disclosed assets). All figures are sourced directly from Retirement Investment Advisors, Inc.’s Form 13F-HR filing with the SEC under CIK 1957886.
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