Retirement Investment Advisors, Inc. Q4 2025 Filing

Filed January 21, 2026

Portfolio Value

$1.2T

Holdings

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (65 positions)

#	Stock	Shares	Value	% Portfolio
1	VTVVANGUARD INDEX FDS	1,375,849	$262.8B	21.18%
2	VUGVANGUARD INDEX FDS	526,861	$257.0B	20.71%
3	AQLTISHARES TR	2,083,353	$186.4B	15.02%
4	BIVVANGUARD BD INDEX FDS	1,716,738	$133.7B	10.77%
5	IEMGISHARES INC	1,382,686	$92.9B	7.49%
6	VBRVANGUARD INDEX FDS	393,715	$83.4B	6.72%
7	BNDXVANGUARD CHARLOTTE FDS	995,929	$48.1B	3.88%
8	MUBISHARES TR	422,852	$45.3B	3.65%
9	EMBISHARES TR	291,358	$28.1B	2.26%
10	HYLBDBX ETF TR	529,159	$19.5B	1.57%
11	VBKVANGUARD INDEX FDS	62,479	$18.9B	1.52%
12	HYDVANECK ETF TRUST	144,805	$7.4B	0.60%
13	VTEBVANGUARD MUN BD FDS	111,552	$5.6B	0.45%
14	SCHVSCHWAB STRATEGIC TR	155,871	$4.6B	0.37%
15	XOMEXXON MOBIL CORP	36,842	$4.4B	0.36%
16	NDQINVESCO QQQ TR	6,757	$4.2B	0.33%
17	IVVISHARES TR	4,395	$3.0B	0.24%
18	VEAVANGUARD TAX-MANAGED FDS	41,663	$2.6B	0.21%
19	SDYSPDR SER TR	15,460	$2.2B	0.17%
20	VXUSVANGUARD STAR FDS	26,193	$2.0B	0.16%
21	AAPLAPPLE INC	6,466	$1.8B	0.14%
22	IJRISHARES TR	14,098	$1.7B	0.14%
23	SPYSPDR S&P 500 ETF TR	2,477	$1.7B	0.14%
24	BRK/BBERKSHIRE HATHAWAY INC DEL	3,278	$1.6B	0.13%
25	VWOVANGUARD INTL EQUITY INDEX F	26,399	$1.4B	0.11%
26	NVDANVIDIA CORPORATION	7,344	$1.4B	0.11%
27	VCSHVANGUARD SCOTTSDALE FDS	16,034	$1.3B	0.10%
28	RSPINVESCO EXCHANGE TRADED FD T	5,980	$1.1B	0.09%
29	IBMINTERNATIONAL BUSINESS MACHS	3,750	$1.1B	0.09%
30	TSLATESLA INC	2,449	$1.1B	0.09%
31	ITOTISHARES TR	6,036	$897.0M	0.07%
32	IWNBLACKROCK ETF TRUST	4,934	$894.0M	0.07%
33	WMTWALMART INC	7,961	$886.0M	0.07%
34	OKEONEOK INC NEW	12,005	$882.0M	0.07%
35	PSXPHILLIPS 66	6,687	$862.0M	0.07%
36	PWVINVESCO EXCHANGE TRADED FD T	10,267	$682.0M	0.05%
37	VTIVANGUARD INDEX FDS	1,929	$646.0M	0.05%
38	OGEOGE ENERGY CORP	13,531	$577.0M	0.05%
39	TXNTEXAS INSTRS INC	3,317	$575.0M	0.05%
40	IWMISHARES TR	2,177	$535.0M	0.04%
41	COPCONOCOPHILLIPS	5,459	$511.0M	0.04%
42	ETENERGY TRANSFER L P	28,213	$464.0M	0.04%
43	IAGGISHARES TR	8,672	$433.0M	0.03%
44	MSFTMICROSOFT CORP	757	$366.0M	0.03%
45	VGTVANGUARD WORLD FD	469	$353.0M	0.03%
46	SGOVISHARES TR	3,453	$346.0M	0.03%
47	JNJJOHNSON & JOHNSON	1,611	$333.0M	0.03%
48	MCDMCDONALDS CORP	1,003	$306.0M	0.02%
49	WMBWILLIAMS COS INC	4,964	$298.0M	0.02%
50	UTHUNITED THERAPEUTICS CORP DEL	600	$292.0M	0.02%
51	SFNCSIMMONS 1ST NATL CORP	15,000	$282.0M	0.02%
52	SPDWSPDR INDEX SHS FDS	6,286	$279.0M	0.02%
53	RTXRTX CORPORATION	1,452	$266.0M	0.02%
54	FFORD MTR CO DEL	19,973	$262.0M	0.02%
55	GOOGALPHABET INC	784	$246.0M	0.02%
56	RCLROYAL CARIBBEAN GROUP	800	$223.0M	0.02%
57	AMZNAMAZON COM INC	960	$221.0M	0.02%
58	GOOGLALPHABET INC	704	$220.0M	0.02%
59	HYMBSPDR SER TR	8,718	$217.0M	0.02%
60	SHELSHELL PLC	2,943	$216.0M	0.02%
61	ROKROCKWELL AUTOMATION INC	548	$213.0M	0.02%
62	MRKMERCK & CO INC	2,023	$212.0M	0.02%
63	TRITHOMSON REUTERS CORP.	1,573	$207.0M	0.02%
64	DGRWWISDOMTREE TR	2,321	$207.0M	0.02%
65	COHRCOHERENT CORP	1,121	$206.0M	0.02%