Retirement Income Solutions 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M Co	COM	88579Y101	326,367	3,105	SH		SOLE		0	0	3,105
ABBOTT LABS COM	COM	002824100	632,267	6,244	SH		SOLE		0	0	6,244
ABBVIE INC COM	COM	00287Y109	998,931	6,268	SH		SOLE		0	0	6,268
Alliant Energy	COM	018802108	347,207	6,502	SH		SOLE		0	0	6,502
Alphabet Inc Cap Stk Class A	CAP STK CL A	02079K305	785,755	7,575	SH		SOLE		0	0	7,575
Alphabet Inc Cap Stk Class C	CAP STK CL C	02079K107	678,080	6,520	SH		SOLE		0	0	6,520
Amazon Com Inc	COM	023135106	1,884,010	18,240	SH		SOLE		0	0	18,240
Amgen	COM	031162100	379,789	1,571	SH		SOLE		0	0	1,571
Apple Inc	COM	037833100	2,929,806	17,767	SH		SOLE		0	0	17,767
Berkshire Hathaway B	CL B NEW	084670702	1,700,088	5,506	SH		SOLE		0	0	5,506
BNY MELLON US LARGE CAP CORE EQUITY ETF	US LRG CP CORE	09661T107	941,671	12,366	SH		SOLE		0	0	12,366
BOEING CO	COM	097023105	236,859	1,115	SH		SOLE		0	0	1,115
CF BANKSHARES INC	COM	12520L109	359,307	18,426	SH		SOLE		0	0	18,426
CHEVRON CORP	COM	166764100	223,366	1,369	SH		SOLE		0	0	1,369
CINCINNATI FINL CORP	COM	172062101	218,556	1,950	SH		SOLE		0	0	1,950
COCA COLA CO	COM	191216100	730,651	11,779	SH		SOLE		0	0	11,779
Colgate-Palmolive	COM	194162103	546,942	7,278	SH		SOLE		0	0	7,278
Comcast Corp A	CL A	20030N101	475,240	12,536	SH		SOLE		0	0	12,536
COMMUNITIES FIRST FINL CORP	COM	20344D104	242,668	3,858	SH		SOLE		0	0	3,858
Deutsche MSCI EAFE Hedged Equity ETF	XTRACK MSCI EAFE	233051200	599,562	17,033	SH		SOLE		0	0	17,033
Dimensional ETF TR U S Core Equity 2 ETF	US CORE EQUITY 2	25434V708	386,302	15,161	SH		SOLE		0	0	15,161
Dimensional ETF TR World EX U S Core Equity 2 ETF	WORLD EX US CORE	25434V880	315,714	13,691	SH		SOLE		0	0	13,691
DTE Energy Co	COM	233331107	307,302	2,805	SH		SOLE		0	0	2,805
EATON CORPORATION PLC	SHS	G29183103	308,069	1,798	SH		SOLE		0	0	1,798
Ecolab	COM	278865100	455,373	2,751	SH		SOLE		0	0	2,751
Exxon Mobil Corp	COM	30231G102	686,143	6,257	SH		SOLE		0	0	6,257
FIRST TR LOW DURATION OPPOR ETF	FST LOW OPPT EFT	33739Q200	845,719	17,667	SH		SOLE		0	0	17,667
Home Depot Inc.	COM	437076102	268,559	910	SH		SOLE		0	0	910
Honeywell Intl Inc	COM	438516106	565,715	2,960	SH		SOLE		0	0	2,960
Innovator ETFS Equity Buffer ETF January	US EQTY BUFR JAN	45782C409	237,576	6,757	SH		SOLE		0	0	6,757
Innovator ETFS S&P 500 Buffer - Jan	S&P 500 Power	45782C508	630,758	18,993	SH		SOLE		0	0	18,993
Innovator ETFS TR S&P 500 Power Buffer ETF	S&P 500 PWRETF	45782C797	1,381,883	43,689	SH		SOLE		0	0	43,689
INNOVATOR ETFS TR U S EQUITY BUFFER ETF NOV	US EQTY BUF NOV	45782C581	204,137	6,459	SH		SOLE		0	0	6,459
Innovator S&P 500 Buffer	S&P 500 BUFFER	45782C755	485,888	15,184	SH		SOLE		0	0	15,184
Innovator S&P 500 PWR Buffer	COM	45782C870	398,223	13,545	SH		SOLE		0	0	13,545
Innovator S&P 500 Pwr Buffer	S&P 500 POWER	45782C573	1,319,446	41,492	SH		SOLE		0	0	41,492
Innovator S&P 500 PWR Buffer ETF Mary	COM	45782C318	381,692	13,244	SH		SOLE		0	0	13,244
Innovator S&P 500 Pwr ETF-June	COM	45782C748	294,089	9,556	SH		SOLE		0	0	9,556
Innovator S&P 500 PwrBuff Dec	S&P 500 PWR BU	45782C540	1,597,251	50,787	SH		SOLE		0	0	50,787
Innovator TR Equity Pwr Buffer July	US EQTY PWR BUF	45782C813	343,895	10,869	SH		SOLE		0	0	10,869
Innovator TR Equity Pwr Buffer Sept	US EQTY PWR BUF	45782C656	270,751	8,825	SH		SOLE		0	0	8,825
International Business Machines	COM	459200101	1,063,140	8,110	SH		SOLE		0	0	8,110
Invesco Clean Energy	WILDERHIL CLAN	46137V134	605,302	14,979	SH		SOLE		0	0	14,979
IRON MTN INC	COM	46284V101	211,640	4,000	SH		SOLE		0	0	4,000
ISHARES 1-3 R TREAS BD ETF	1 3 YR TREAS BD	464287457	3,604,195	43,868	SH		SOLE		0	0	43,868
iShares Core S&P 500 ETF	CORE S&P500 ETF	464287200	80,534,043	195,908	SH		SOLE		0	0	195,908
iShares Core S&P Mid-Cap ETF	CORE S&P MCP ETF	464287507	30,818,461	123,195	SH		SOLE		0	0	123,195
ISHARES INC MSCI EMERGING MKTS ASIA ETF	MSCI EM ASIA ETF	464286426	543,428	8,178	SH		SOLE		0	0	8,178
ISHARES INC MSCI EMERGING MKTS EX CHINA ETF	MSCI EMRG CHN	46434G764	305,057	6,184	SH		SOLE		0	0	6,184
ISHARES INC MSCI WORLD INDEX FD	MSCI WORLD ETF	464286392	468,915	3,985	SH		SOLE		0	0	3,985
IShares MSCI 400 Social ETF	COM	464288570	899,537	11,534	SH		SOLE		0	0	11,534
iShares MSCI ACWI Index ETF	MSCI ACWI ETF	464288257	3,288,870	36,078	SH		SOLE		0	0	36,078
iShares MSCI EAFE ETF	MSCI EAFE ETF	464287465	2,896,846	40,504	SH		SOLE		0	0	40,504
iShares MSCI Emerging Markets ETF	MSCI EMG MKT ETF	464287234	1,389,466	35,212	SH		SOLE		0	0	35,212
Ishares Russell 1000 ETF	RUS 1000 ETF	464287622	5,094,477	22,619	SH		SOLE		0	0	22,619
iShares Russell 1000 Growth ETF	RUS 1000 GRW ETF	464287614	14,149,150	57,910	SH		SOLE		0	0	57,910
iShares Russell 1000 Value ETF	RUS 1000 VAL ETF	464287598	10,470,894	68,770	SH		SOLE		0	0	68,770
iShares Russell Mid-Cap ETF	RUS MID CP ETF	464287499	1,917,626	27,426	SH		SOLE		0	0	27,426
iShares Russell Mid-Cap Growth ETF	RUS MD CP GR ETF	464287481	543,751	5,972	SH		SOLE		0	0	5,972
iShares S&P 500 Growth	S&P 500 GRWT ETF	464287309	1,690,977	26,467	SH		SOLE		0	0	26,467
iShares S&P 500 Value ETF	S&P 500 VAL ETF	464287408	2,337,559	15,403	SH		SOLE		0	0	15,403
ISHARES TR 3 7 YR TREAS BD ETF	3 7 YR Treas BD	464288661	5,640,965	47,947	SH		SOLE		0	0	47,947
ISHARES TR 7-10 YR TREAS BD ETF	7-10 YR TRSY BD	464287440	4,924,876	49,686	SH		SOLE		0	0	49,686
ISHARES TR BARCLAYS 20 YR TREAS BD ETF	20 YR TR BD ETF	464287432	1,130,181	10,625	SH		SOLE		0	0	10,625
ISHARES TR BIOTECHNOLOGY ETF	ISHARES BIOTECH	464287556	264,261	2,046	SH		SOLE		0	0	2,046
ISHARES TR CORE MSCI EAFE ETF	CORE MSCI EAFE	46432F842	224,683	3,361	SH		SOLE		0	0	3,361
ISHARES TR CORE S&P U S GROWTH ETF	CORE S&P US GWT	464287671	355,080	4,000	SH		SOLE		0	0	4,000
ISHARES TR ESG 1-5 YR CORPORATE BD ETF	ESG AWRE 1 5 YR	46435G243	290,500	12,074	SH		SOLE		0	0	12,074
ISHARES TR ESG AWARE U S AGGREGATE BD ETF	ESG AWR US AGRGT	46435U549	1,437,571	29,912	SH		SOLE		0	0	29,912
ISHARES TR ESG AWARE USD CORPORATE BD ETF	ESG AWRE USD ETF	46435G193	379,471	16,488	SH		SOLE		0	0	16,488
ISHARES TR NATL MUN BD ETF FD	NATIONAL MUN ETF	464288414	210,201	1,951	SH		SOLE		0	0	1,951
IShares TR Russell 2000	RUSSELL 2000 ETF	464287655	246,727	1,383	SH		SOLE		0	0	1,383
Ishares TR Russell Mid Cap Value	RUS MDCP VAL ETF	464287473	826,873	7,786	SH		SOLE		0	0	7,786
IsharesMSCI USA ESG Select ETF	MSCI USA ESG SLC	464288802	569,540	6,489	SH		SOLE		0	0	6,489
Johnson & Johnson	COM	478160104	805,070	5,194	SH		SOLE		0	0	5,194
JP Morgan Chase	COM	46625H100	585,092	4,490	SH		SOLE		0	0	4,490
Lam Research Corp	COM	512807108	327,614	618	SH		SOLE		0	0	618
Lilly Eli & Co	COM	532457108	365,399	1,064	SH		SOLE		0	0	1,064
McDonalds Corp	COM	580135101	494,350	1,768	SH		SOLE		0	0	1,768
Merck & Co	COM	58933Y105	1,173,907	11,034	SH		SOLE		0	0	11,034
Microsoft Corp	COM	594918104	1,974,567	6,849	SH		SOLE		0	0	6,849
NEXTERA ENERGY INC COM	COM	65339F101	271,938	3,528	SH		SOLE		0	0	3,528
Nushares ESG Mid Cap Value	NUVEEN ESG MIDVL	67092P508	528,299	18,408	SH		SOLE		0	0	18,408
NVIDIA CORP	COM	67066G104	223,883	806	SH		SOLE		0	0	806
Oracle Corp	COM	68389X105	393,145	4,231	SH		SOLE		0	0	4,231
PepsiCo	COM	713448108	871,611	4,781	SH		SOLE		0	0	4,781
PFIZER INC COM	COM	717081103	415,874	10,193	SH		SOLE		0	0	10,193
PowerShares QQQ ETF	UNIT SER 1	73935A104	4,142,885	12,909	SH		SOLE		0	0	12,909
PowerShares Water Resources ETF	WATER RES PORT	73935X575	1,072,548	20,104	SH		SOLE		0	0	20,104
Proctor & Gamble	COM	742718109	1,001,427	6,735	SH		SOLE		0	0	6,735
RAYTHEON TECHNOLOGIES CORP COM	COM	75513E101	320,819	3,276	SH		SOLE		0	0	3,276
Rydex Guggenheim S&P 500 Equal Weight ETF	GUG S&P 500 EQ WT	78355W106	7,683,619	53,130	SH		SOLE		0	0	53,130
SALESFORCE INC	COM	79466L302	301,668	1,510	SH		SOLE		0	0	1,510
Schwab Strategic Large Cap Gwth	US LCAP GR ETF	808524300	915,639	14,050	SH		SOLE		0	0	14,050
SCHWAB STRATEGIC TR US SMALL-CAP ETF	US SML CAP ETF	808524607	297,829	7,103	SH		SOLE		0	0	7,103
Schwab Strategic US Large Cap	US LRG CAP ETF	808524201	251,331	5,196	SH		SOLE		0	0	5,196
Select Sector SPDR TR	TECHNOLOGY	81369Y803	2,104,777	13,938	SH		SOLE		0	0	13,938
Select Sector SPDR TR Energy	ENERGY	81369Y506	1,161,028	14,017	SH		SOLE		0	0	14,017
SOUTHERN CO COM	COM	842587107	361,399	5,194	SH		SOLE		0	0	5,194
SPDR Gold ETF	GOLD SHS	78463V107	1,016,871	5,550	SH		SOLE		0	0	5,550
SPDR Index S&P Emerging Mkts ETF	PORTFOLIO EMG MK	78463X509	1,398,135	40,965	SH		SOLE		0	0	40,965
SPDR S&P 400 MID CAP	PORTFOLIO MD ETF	78464A847	10,398,240	236,646	SH		SOLE		0	0	236,646
SPDR S&P 500 ETF	TR UNIT	78462F103	33,268,742	81,264	SH		SOLE		0	0	81,264
SPDR S&P 500 ETF	PORTFOLIO LR ETF	78464A854	18,347,796	381,055	SH		SOLE		0	0	381,055
SPDR S&P 500 FOSSIL	SPDR S&P500 ETF	78468R796	10,129,391	304,735	SH		SOLE		0	0	304,735
SPDR S&P 500 VALUE ETF	PRTFLO S&P500 VL	78464A508	4,023,675	98,813	SH		SOLE		0	0	98,813
SPDR S&P Mid-Cap 400 ETF	UTSER1 S&PDCRP	78467Y107	5,468,373	11,929	SH		SOLE		0	0	11,929
SPDR SER TR S&P 400 MID CAP GROWTH ETF	S&P 400 MDCP GRW	78464A821	209,769	3,065	SH		SOLE		0	0	3,065
SPDR SER TR S&P 500 ESG ETF	S&P 500 ESG ETF	78468R531	570,592	14,471	SH		SOLE		0	0	14,471
SPDR SER TR S&P COMPUTER SOFTWARE ETF	COMP SOFTWARE	78464A599	209,711	1,704	SH		SOLE		0	0	1,704
SPDR SER TR S&P METALS & MNG ETF	S&P METALS MNG	78464A755	897,341	16,880	SH		SOLE		0	0	16,880
SPDR SER TR S&P TRANSN ETF	S&P TRANSN ETF	78464A532	201,249	2,777	SH		SOLE		0	0	2,777
SPDR TR S&P 500 Growth	PRTFLO S&P500 GW	78464A409	2,960,155	53,471	SH		SOLE		0	0	53,471
STANDARD LITHIUM CP	COM	853606101	236,560	62,650	SH		SOLE		0	0	62,650
Thermo Fisher Scientific	COM	883556102	254,756	442	SH		SOLE		0	0	442
TRI CONTL CORP COM	COM	895436103	459,342	17,301	SH		SOLE		0	0	17,301
UNION PAC CORP COM	COM	907818108	258,820	1,286	SH		SOLE		0	0	1,286
Vanguard Growth ETF	GROWTH ETF	922908736	1,235,726	4,954	SH		SOLE		0	0	4,954
VANGUARD INDEX FDS MID-CAP VALUE ETF	MCAP VL IDXVIP	922908512	363,196	2,709	SH		SOLE		0	0	2,709
VANGUARD INDEX FDS VANGUARD EXTENDED MKT ETF	EXTEND MKT ETF	922908652	281,662	2,009	SH		SOLE		0	0	2,009
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF	TOTAL STK MKT	922908769	452,082	2,215	SH		SOLE		0	0	2,215
Vanguard Intl Equity Emerging Mkts ETF	FTSE EMR MKT ETF	922042858	500,354	12,385	SH		SOLE		0	0	12,385
VANGUARD INTL FD FTSE DEVELOPED MKTS ETF	VAN FTSE DEV MKT	921943858	202,000	4,472	SH		SOLE		0	0	4,472
VANGUARD LARGE CAP ETF	LARGE CAP ETF	922908637	615,726	3,296	SH		SOLE		0	0	3,296
Vanguard Mid-Cap ETF	MID CAP ETF	922908629	4,376,590	20,750	SH		SOLE		0	0	20,750
Vanguard Russell 1000 Index	VNG RUS1000IDX	92206C730	580,977	3,118	SH		SOLE		0	0	3,118
Vanguard S&P 500 ETF	S&P500 ETF SHS	922908363	1,558,810	4,145	SH		SOLE		0	0	4,145
Vanguard Value ETF	VALUE ETF	922908744	935,833	6,776	SH		SOLE		0	0	6,776
Vanguard Whitehall High Div Yld ETF	HIGH DIV YLD	921946406	545,752	5,173	SH		SOLE		0	0	5,173
VISA INC	COM	92826C839	219,824	975	SH		SOLE		0	0	975
Walt Disney Company	COM	254687106	490,136	4,895	SH		SOLE		0	0	4,895
Wedbush Video Game Tech ETF	WEDBUSH VID GAME	26924G706	262,143	4,286	SH		SOLE		0	0	4,286
World Gold TR Minishares ETF	SWPD GLD MINIS	98149E204	5,685,773	145,379	SH		SOLE		0	0	145,379
Zomedica Corp	COM	98980M109	8,710	41,143	SH		SOLE		0	0	41,143