Q3 2026 13F · SEC CIK 1957886

Retirement Investment Advisors, Inc.

Wealth managerFiled 2026-10-22 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $1.4B
Reported positions: 66
Top holdings a year, 3 yrs: +14.0%
Assets under management: $1.5B

Retirement Investment Advisors, Inc. is a wealth manager that reported 66 positions worth $1.4B in its Q3 2026 13F, filed 2026-10-22. Its largest holdings were Vanguard Index Fds (VUG, 21.4%), Vanguard Index Fds (VTV, 21.3%), Ishares Tr (IEFA, 14.8%). A portfolio copying its top holdings returned 14.0% a year over the last 3 years, against 20.4% for the S&P 500.

Retirement Investment Advisors, Inc. holdings largest 50 of 66 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Retirement Investment Advisors, Inc. 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
VUGVanguard Index Fds	21.4%	20.4%	3,388,895	+1.9%	$305.4M
VTVVanguard Index Fds	21.3%	22.2%	1,406,231	-1.1%	$303.9M
IEFAIshares Tr	14.8%	14.7%	2,181,578	+1.7%	$211.4M
BIVVanguard Bd Index Fds	10.1%	9.9%	1,982,075	+8.6%	$144.4M
IEMGIshares Inc	7.9%	7.7%	1,391,243	+0.6%	$112.9M
VBRVanguard Index Fds	6.4%	6.9%	397,635	-0.2%	$91.9M
MUBIshares Tr	3.9%	4.1%	544,238	+0.2%	$55.0M
BNDXVanguard Charlotte Fds	3.6%	3.6%	1,111,702	+4.5%	$52.1M
EMBIshares Tr	2.0%	2.1%	318,417	+3.2%	$28.9M
VBKVanguard Index Fds	1.8%	1.8%	77,033	+6.7%	$26.0M
HYLBDbx ETF Tr	1.4%	1.4%	572,664	+4.0%	$20.2M
HYDVaneck ETF Trust	0.6%	0.6%	177,604	+4.6%	$8.5M
SCHVSchwab Strategic Tr	0.4%	0.5%	185,498	-1.0%	$6.2M
XOMExxonmobil Holdings Corp	0.4%	—	36,863	—	$6.0M
VTEBVanguard Mun Bd Fds	0.4%	0.4%	109,202	+2.5%	$5.2M
QQQInvesco Qqq Tr	0.3%	0.3%	6,529	-0.3%	$4.8M
VEAVanguard Ftse Developed Markets Index Fu	0.3%	0.3%	55,003	-0.1%	$3.9M
IVVIshares Tr	0.2%	0.2%	4,412	-2.3%	$3.4M
AAPLApple Inc	0.2%	0.2%	6,746	+0.7%	$2.2M
SDYSpdr Ser Tr	0.2%	0.2%	15,227	-0.2%	$2.2M
VXUSVanguard Star Fds	0.2%	0.2%	26,101	+0.0%	$2.2M
VWOVanguard Intl Equity Index F	0.1%	0.1%	32,941	-0.0%	$2.0M
IJRIshares Tr	0.1%	0.1%	14,216	+0.4%	$1.9M
SPYState Str Spdr S&p 500 ETF T	0.1%	0.1%	2,344	-1.9%	$1.8M
NVDANvidia Corporation	0.1%	0.1%	7,101	+0.0%	$1.6M
BRK-BBerkshire Hathaway Inc Del	0.1%	0.1%	3,183	+0.0%	$1.6M
LENDSei Exchange Traded Funds	0.1%	0.1%	57,843	-2.8%	$1.4M
PSXPhillips 66	0.1%	0.1%	5,472	-5.2%	$1.4M
VCSHVanguard Scottsdale Fds	0.1%	0.1%	15,996	+0.0%	$1.2M
RSPInvesco Exchange Traded Fd T	0.1%	0.1%	5,455	-8.8%	$1.1M
IWNIshares Tr	0.1%	0.1%	4,909	+0.2%	$1.0M
OKEOneok Inc New	0.1%	—	12,005	—	$1.0M
ITOTIshares Tr	0.1%	0.1%	5,756	-3.6%	$957K
WMTWalmart Inc	0.1%	0.1%	8,561	-0.7%	$890K
TSLATesla Inc	0.1%	0.1%	2,422	+0.0%	$859K
IBMInternational Business Machs	0.1%	0.1%	3,750	+0.0%	$825K
PWVInvesco Exchange Traded Fd T	0.1%	0.1%	10,368	+0.0%	$791K
IAGGIshares Tr	0.1%	0.1%	14,976	+1.2%	$737K
VTIVanguard Index Fds	0.1%	0.1%	1,930	-3.4%	$722K
COPConocophillips	0.0%	0.0%	5,554	+1.7%	$695K
IWMIshares Tr	0.0%	0.0%	2,177	+0.0%	$605K
MSFTMicrosoft Corp	0.0%	0.0%	1,168	+15.4%	$599K
ETPCEnergy Transfer L P	0.0%	0.0%	29,312	+3.0%	$579K
OGEOge Energy Corp	0.0%	0.0%	10,814	-2.0%	$491K
VGTVanguard World Fd	0.0%	0.0%	3,752	+0.0%	$472K
JNJJohnson & Johnson	0.0%	0.0%	1,629	-1.9%	$431K
BANFBancFirst Corp	0.0%	—	3,954	—	$416K
HYMBSpdr Series Trust	0.0%	0.0%	15,461	+0.0%	$363K
SFNCSimmons First Natl Corp	0.0%	0.0%	15,000	+0.0%	$339K
UTHRUnited Therapeutics Corp Del	0.0%	0.0%	600	+0.0%	$325K

What Retirement Investment Advisors, Inc. bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Added to

Reduced

RSP Invesco Exchange Traded Fd T-8.8% shares
PSX Phillips 66-5.2% shares

Left the top 50

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +16.1% /yr; S&P 500 +20.1%
3 years: +14.0% /yr; S&P 500 +20.4%
5 years: —

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$1.4B	66
Q2 2026	$1.4B	66
Q1 2026	$1.2B	67
Q4 2025	$1.2B	65
Q3 2025	$1.2B	63
Q2 2025	$1.1B	59
Q1 2025	$987.7M	58
Q4 2024	$948.3M	60
Q3 2024	$915.5M	54
Q2 2024	$823.6M	52
Q4 2023	$698.6M	51
Q3 2023	$1.1B	58

Questions about Retirement Investment Advisors, Inc.'s portfolio

What stocks does Retirement Investment Advisors, Inc. own?

Retirement Investment Advisors, Inc.'s latest 13F, for Q3 2026 and filed Oct 22, 2026, lists 66 positions worth $1.4B. The largest are Vanguard Index Fds (VUG) at 21.4%, Vanguard Index Fds (VTV) at 21.3%, Ishares Tr (IEFA) at 14.8%, Vanguard Bd Index Fds (BIV) at 10.1% and Ishares Inc (IEMG) at 7.9%.

What did Retirement Investment Advisors, Inc. buy last quarter?

In Q3 2026, Retirement Investment Advisors, Inc. added Microsoft Corp (MSFT) (+15.4% shares), Vanguard Bd Index Fds (BIV) (+8.6% shares) and Vanguard Index Fds (VBK) (+6.7% shares), compared with its Q2 2026 filing.

What did Retirement Investment Advisors, Inc. sell last quarter?

In Q3 2026, Retirement Investment Advisors, Inc. cut from its top 50 Oneok Inc New (OKE), cut from its top 50 Ishares Tr (SGOV), cut from its top 50 Alphabet Inc (GOOG), Invesco Exchange Traded Fd T (RSP) (-8.8% shares) and Phillips 66 (PSX) (-5.2% shares), compared with its Q2 2026 filing.

How has Retirement Investment Advisors, Inc.'s portfolio performed?

A portfolio copying Retirement Investment Advisors, Inc.'s 20 largest 13F holdings each quarter, from the day each filing was public, returned +14.0% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +16.1% against +20.1%.

When is Retirement Investment Advisors, Inc.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Retirement Investment Advisors, Inc.'s filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Retirement Investment Advisors, Inc. manage?

Retirement Investment Advisors, Inc. reported $1.5B of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $1.4B.