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Retirement Investment Advisors, Inc.

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

Q4 2025 · Filed 2026-01-21
Market Value
$1.2B
+3.5%
Holdings
66
+5
New Purchases
8
Added To
19
Closed
2
Reduced
19
Top 10 Concentration
93.3%
Turnover
15.2%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
VTV 21.18% 20.96% +0.22% $263M
MUB 3.65% 3.48% +0.17% $45M
AAPL 0.14% 0.00% +0.14% $2M
BRK-B 0.13% 0.00% +0.13% $2M
VTEB 0.45% 0.41% +0.05% $6M
IEFA 15.02% 14.98% +0.04% $186M
HYD 0.60% 0.57% +0.02% $7M
SCHV 0.37% 0.35% +0.02% $5M
GOOG 0.02% 0.00% +0.02% $246K
EMB 2.26% 2.24% +0.02% $28M
AMZN 0.02% 0.00% +0.02% $222K
GOOGL 0.02% 0.00% +0.02% $220K
ROK 0.02% 0.00% +0.02% $213K
MRK 0.02% 0.00% +0.02% $213K
COHR 0.02% 0.00% +0.02% $207K

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
VUG 20.72% 21.14% -0.42% $257M
BIV 10.78% 10.94% -0.16% $134M
BNDX 3.88% 3.95% -0.07% $48M
IEMG 7.49% 7.55% -0.06% $93M
TXN 0.05% 0.10% -0.05% $575K
NVDA 0.11% 0.15% -0.04% $1M
HYLB 1.57% 1.60% -0.03% $19M
BANF 0.00% 0.02% -0.02% $0
SDY 0.17% 0.19% -0.02% $2M
OKE 0.07% 0.09% -0.02% $882K
QQQ 0.33% 0.35% -0.01% $4M
VCSH 0.10% 0.11% -0.01% $1M
TSLA 0.09% 0.10% -0.01% $1M
IJR 0.14% 0.15% -0.01% $2M
VWO 0.11% 0.12% -0.01% $1M

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 25 $549M 44.3%
Large Cap 34 $663M 53.5%
Mid Cap 5 $27M 2.2%
Small Cap 1 $683K 0.1%
Micro Cap 1 $0 0.0%

Portfolio Analytics

Avg Market Cap
$574.1B
Median Market Cap
$92.8B
Avg P/E
41.8
Median P/E
26.4
Avg Dividend Yield
0.02%
Avg Beta
0.91
# Stocks
31
# ETFs / Funds
35

Top Holdings (66 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 VTV 21.18% 1,375,849 $263M $190.99 $11M +27,882 +2.1%
2 VUG 20.72% 526,861 $257M $487.86 $4M -1,669 -0.3%
3 IEFA 15.02% 2,083,353 $186M $89.46 $7M +25,354 +1.2%
4 BIV 10.78% 1,716,738 $134M $77.88 $3M +36,946 +2.2%
5 IEMG 7.49% 1,382,686 $93M $67.22 $2M +9,250 +0.7%
6 VBR 6.72% 393,715 $83M $211.79 $3M +7,668 +2.0%
7 BNDX 3.88% 995,929 $48M $48.32 $789K +38,906 +4.1%
8 MUB 3.65% 422,852 $45M $107.11 $4M +30,817 +7.9%
9 EMB 2.26% 291,358 $28M $96.28 $1M +8,763 +3.1%
10 HYLB 1.57% 529,159 $19M $36.83 $257K +10,914 +2.1%
11 VBK 1.52% 62,479 $19M $302.11 $726K +1,497 +2.5%
12 HYD 0.60% 144,805 $7M $51.12 $532K +9,831 +7.3%
13 VTEB 0.45% 111,552 $6M $50.29 $733K +14,158 +14.5%
14 SCHV 0.37% 155,871 $5M $29.61 $408K +11,331 +7.8%
15 XOM 0.36% 36,842 $4M $120.34 $280K
16 QQQ 0.33% 6,757 $4M $614.31 -$26K -201 -2.9%
17 IVV 0.24% 4,395 $3M $684.94 $100K +47 +1.1%
18 VEA 0.21% 41,663 $3M $62.47 $73K -550 -1.3%
19 SDY 0.17% 15,460 $2M $139.16 -$135K -866 -5.3%
20 VXUS 0.16% 26,193 $2M $75.44 -$22K -1,003 -3.7%
21 AAPL 0.14% 6,466 $2M $271.86 +6,466 NEW
22 IJR 0.14% 14,098 $2M $120.18 -$48K -566 -3.9%
23 SPY 0.14% 2,477 $2M $681.92 $79K +60 +2.5%
24 BRK-B 0.13% 3,278 $2M $502.65 +3,278 NEW
25 VWO 0.11% 26,399 $1M $53.76 -$52K -746 -2.8%
26 NVDA 0.11% 7,344 $1M $186.50 -$377K -2,017 -21.6%
27 VCSH 0.10% 16,034 $1M $79.73 -$86K -1,031 -6.0%
28 RSP 0.09% 5,980 $1M $191.56 $11K
29 IBM 0.09% 3,750 $1M $296.21 $53K
30 TSLA 0.09% 2,449 $1M $449.72 -$82K -211 -7.9%
31 ITOT 0.07% 6,036 $897K $148.69 $18K
32 IWN 0.07% 4,934 $894K $181.21 $154K +751 +17.9%
33 WMT 0.07% 7,961 $887K $111.41 $66K
34 OKE 0.07% 12,005 $882K $73.50 -$164K -2,330 -16.2%
35 PSX 0.07% 6,687 $863K $129.04 -$47K
36 PWV 0.06% 10,267 $683K $66.52 $5K -126 -1.2%
37 VTI 0.05% 1,929 $647K $335.27 $14K
38 OGE 0.05% 13,531 $578K $42.70 -$48K
39 TXN 0.05% 3,317 $575K $173.49 -$610K -3,133 -48.6%
40 IWM 0.04% 2,177 $536K $246.16 -$25K -141 -6.1%
41 COP 0.04% 5,459 $511K $93.61 -$5K
42 ET 0.04% 28,213 $465K $16.49 $190K +12,158 +75.7%
43 IAGG 0.03% 8,672 $434K $50.01 -$16K -97 -1.1%
44 MSFT 0.03% 757 $366K $483.62 $44K +135 +21.7%
45 VGT 0.03% 469 $354K $753.78 $3K
46 SGOV 0.03% 3,453 $347K $100.38 -$1K
47 JNJ 0.03% 1,611 $333K $206.95 $35K
48 MCD 0.02% 1,003 $307K $305.63 -$13K -47 -4.5%
49 WMB 0.02% 4,964 $298K $60.11 -$16K
50 UTHR 0.02% 600 $292K $487.25 $41K
51 SFNC 0.02% 15,000 $283K $18.85 -$5K
52 SPDW 0.02% 6,286 $279K $44.41 -$16K -619 -9.0%
53 RTX 0.02% 1,452 $266K $183.40 $60K +217 +17.6%
54 F-PD 0.02% 19,973 $262K $13.12 $23K
55 GOOG 0.02% 784 $246K $313.80 +784 NEW
56 RCL 0.02% 800 $223K $278.92 -$36K
57 AMZN 0.02% 960 $222K $230.82 +960 NEW
58 GOOGL 0.02% 704 $220K $313.00 +704 NEW
59 HYMB 0.02% 8,718 $217K $24.94 -$14K -546 -5.9%
60 SHEL 0.02% 2,943 $216K $73.48 -$8K -187 -6.0%
61 ROK 0.02% 548 $213K $389.07 +548 NEW
62 MRK 0.02% 2,023 $213K $105.26 +2,023 NEW
63 DGRW 0.02% 2,321 $208K $89.43 $1K
64 COHR 0.02% 1,121 $207K $184.57 +1,121 NEW
65 MJNA —% -$4 -20,000 -100.0% SOLD
66 BANF —% -$241K -1,902 -100.0% SOLD

New Positions

SymbolValue% Port
AAPL $2M 0.14%
BRK-B $2M 0.13%
GOOG $246K 0.02%
AMZN $222K 0.02%
GOOGL $220K 0.02%
ROK $213K 0.02%
MRK $213K 0.02%
COHR $207K 0.02%

Sold Out Positions

SymbolValue% Port
BANF —%
MJNA —%
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