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Retirement Investment Advisors, Inc.

2925 UNITED FOUNDERS BLVD, OKLAHOMA CITY, OK 73112 • 405-842-3443

Q3 2025 · Filed 2025-10-28
Market Value
$1.2B
+7.9%
Holdings
61
+4
New Purchases
4
Added To
24
Closed
3
Reduced
12
Top 10 Concentration
93.6%
Turnover
11.5%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
IEMG 7.55% 7.30% +0.25% $91M
IVV 0.24% 0.00% +0.24% $3M
VUG 21.14% 20.91% +0.23% $253M
MUB 3.48% 3.33% +0.15% $42M
VTV 20.96% 20.87% +0.09% $251M
ITOT 0.07% 0.00% +0.07% $879K
VBR 6.72% 6.66% +0.06% $81M
VBK 1.51% 1.48% +0.04% $18M
SPY 0.13% 0.11% +0.03% $2M
TSLA 0.10% 0.08% +0.02% $1M
UTHR 0.02% 0.00% +0.02% $252K
HYD 0.57% 0.55% +0.02% $7M
RTX 0.02% 0.00% +0.02% $207K
WMT 0.07% 0.05% +0.02% $820K
NVDA 0.15% 0.13% +0.02% $2M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
BIV 10.94% 11.35% -0.41% $131M
IEFA 14.98% 15.19% -0.21% $180M
BNDX 3.95% 4.09% -0.14% $47M
BRK-B 0.00% 0.14% -0.14% $0
AAPL 0.00% 0.11% -0.11% $0
HYLB 1.60% 1.69% -0.08% $19M
EMB 2.24% 2.28% -0.04% $27M
TXN 0.10% 0.13% -0.03% $1M
ET 0.02% 0.04% -0.02% $276K
AMZN 0.00% 0.02% -0.02% $0
OKE 0.09% 0.11% -0.02% $1M
DGRW 0.02% 0.03% -0.02% $206K
IBM 0.09% 0.10% -0.01% $1M
SCHV 0.35% 0.36% -0.01% $4M
COP 0.04% 0.05% -0.01% $516K

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 98.5%
Energy 0.7%
Technology 0.4%
Consumer Cyclical 0.2%
Consumer Defensive 0.1%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 22 $530M 44.2%
Large Cap 32 $641M 53.5%
Mid Cap 5 $27M 2.2%
Small Cap 1 $678K 0.1%
Micro Cap 1 $4 0.0%

Portfolio Analytics

Avg Market Cap
$463.2B
Median Market Cap
$89.6B
Avg P/E
39.5
Median P/E
23.1
Avg Dividend Yield
0.02%
Avg Beta
0.88
# Stocks
26
# ETFs / Funds
35

Top Holdings (61 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 VUG 21.14% 528,530 $253M $479.61 $21M -1,403 -0.3%
2 VTV 20.96% 1,347,967 $251M $186.49 $19M +35,824 +2.7%
3 IEFA 14.98% 2,057,999 $180M $87.31 $11M +35,330 +1.8%
4 BIV 10.94% 1,679,792 $131M $78.09 $5M +49,497 +3.0%
5 IEMG 7.55% 1,373,436 $91M $65.92 $9M +21,921 +1.6%
6 VBR 6.72% 386,047 $81M $208.71 $7M +6,446 +1.7%
7 BNDX 3.95% 957,023 $47M $49.46 $2M +39,541 +4.3%
8 MUB 3.48% 392,035 $42M $106.49 $5M +37,875 +10.7%
9 EMB 2.24% 282,595 $27M $95.19 $2M +9,188 +3.4%
10 HYLB 1.60% 518,245 $19M $37.11 $477K +10,242 +2.0%
11 VBK 1.51% 60,982 $18M $297.62 $2M +1,719 +2.9%
12 HYD 0.57% 134,974 $7M $50.90 $729K +12,657 +10.3%
13 VTEB 0.41% 97,394 $5M $50.07 $305K +4,160 +4.5%
14 SCHV 0.35% 144,540 $4M $29.11 $202K -209 -0.1%
15 QQQ 0.35% 6,958 $4M $600.37 $314K -45 -0.6%
16 XOM 0.35% 36,842 $4M $112.75 $338K +1,445 +4.1%
17 IVV 0.24% 4,348 $3M $669.30 +4,348 NEW
18 VEA 0.21% 42,213 $3M $59.92 $125K +40 +0.1%
19 SDY 0.19% 16,326 $2M $140.05 $78K +57 +0.3%
20 VXUS 0.17% 27,196 $2M $73.46 $117K -27 -0.1%
21 NVDA 0.15% 9,361 $2M $186.58 $300K +202 +2.2%
22 IJR 0.15% 14,664 $2M $118.83 $114K -238 -1.6%
23 SPY 0.13% 2,417 $2M $666.18 $397K +453 +23.1%
24 VWO 0.12% 27,145 $1M $54.18 $121K -146 -0.5%
25 VCSH 0.11% 17,065 $1M $79.93 $7K
26 TXN 0.10% 6,450 $1M $183.73 -$208K -259 -3.9%
27 TSLA 0.10% 2,660 $1M $444.72 $335K -10 -0.4%
28 RSP 0.09% 5,980 $1M $189.70 $48K
29 IBM 0.09% 3,750 $1M $282.16 -$47K
30 OKE 0.09% 14,335 $1M $72.97 -$124K
31 PSX 0.08% 6,687 $910K $136.02 $112K
32 ITOT 0.07% 6,036 $879K $145.65 +6,036 NEW
33 WMT 0.07% 7,961 $820K $103.06 $242K +2,045 +34.6%
34 IWN 0.06% 4,183 $740K $176.81 $80K
35 PWV 0.06% 10,393 $678K $65.21 $32K
36 VTI 0.05% 1,929 $633K $328.17 $47K
37 OGE 0.05% 13,531 $626K $46.27 $26K
38 IWM 0.05% 2,318 $561K $241.96 $61K
39 COP 0.04% 5,459 $516K $94.59 -$56K -924 -14.5%
40 IAGG 0.04% 8,769 $449K $51.23 $16K +298 +3.5%
41 VGT 0.03% 469 $350K $746.63 $89K +75 +19.0%
42 SGOV 0.03% 3,453 $348K $100.70 -$4K -39 -1.1%
43 MSFT 0.03% 622 $322K $517.95 $57K +88 +16.5%
44 MCD 0.03% 1,050 $319K $303.89 $35K +76 +7.8%
45 WMB 0.03% 4,964 $314K $63.35 $3K
46 JNJ 0.02% 1,611 $299K $185.42 $82K +190 +13.4%
47 SPDW 0.02% 6,905 $295K $42.79 $16K
48 SFNC 0.02% 15,000 $288K $19.17 $3K
49 ET 0.02% 16,055 $276K $17.16 -$207K -10,548 -39.6%
50 RCL 0.02% 800 $259K $323.58 $8K
51 UTHR 0.02% 600 $252K $419.21 +600 NEW
52 BANF 0.02% 1,902 $241K $126.45 $5K
53 F-PD 0.02% 19,973 $239K $11.96 $22K
54 HYMB 0.02% 9,264 $231K $24.93 $1K +1 +0.0%
55 SHEL 0.02% 3,130 $224K $71.53 $4K
56 RTX 0.02% 1,235 $207K $167.33 +1,235 NEW
57 DGRW 0.02% 2,321 $206K $88.96 -$166K -2,130 -47.9%
58 MJNA —% 20,000 $4 -$1
59 AAPL —% -$1M -5,869 -100.0% SOLD
60 AMZN —% -$211K -960 -100.0% SOLD
61 BRK-B —% -$2M -3,104 -100.0% SOLD

New Positions

SymbolValue% Port
IVV $3M 0.24%
ITOT $879K 0.07%
UTHR $252K 0.02%
RTX $207K 0.02%

Sold Out Positions

SymbolValue% Port
AMZN —%
AAPL —%
BRK-B —%
View SEC EDGAR Filings for Retirement Investment Advisors, Inc. →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms