Retirement Investment Advisors, Inc.

Retirement Investment Advisors' $1.24B Q1 2026 13F is almost entirely an ETF portfolio structured to replicate global market-cap equity and fixed-income returns at institutional scale. Vanguard's large-cap value and growth ETFs together represent 42% of assets, while iShares' EAFE and emerging-market equity ETFs, the Vanguard total-bond ETF, and the Vanguard international-bond ETF cover another 36%. The quarter brought almost no meaningful turnover: only two token new positions — Invesco QQQ at $4.2M and the iShares Short Treasury ETF (SGOV) at $0.35M — while most core ETFs were either held flat or adjusted in trivial share amounts. There were no meaningful decreases to any existing position. The portfolio is designed for consistent, low-maintenance market tracking, not active positioning.