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	283,255	2,830	SH		SOLE		0	0	2,830
ABBOTT LABS COM	COM	002824100	680,721	6,244	SH		SOLE		0	0	6,244
ABBVIE INC COM	COM	00287Y109	871,434	6,468	SH		SOLE		0	0	6,468
Alliant Energy	COM	018802108	341,225	6,502	SH		SOLE		0	0	6,502
Alphabet Inc Cap Stk Class A	CAP STK CL A	02079K305	907,925	7,585	SH		SOLE		0	0	7,585
Alphabet Inc Cap Stk Class C	CAP STK CL C	02079K107	797,192	6,590	SH		SOLE		0	0	6,590
Amazon Com Inc	COM	023135106	2,457,156	18,849	SH		SOLE		0	0	18,849
Amgen	COM	031162100	382,096	1,721	SH		SOLE		0	0	1,721
Apple Inc	COM	037833100	3,686,630	19,006	SH		SOLE		0	0	19,006
Berkshire Hathaway B	CL B NEW	084670702	1,890,504	5,544	SH		SOLE		0	0	5,544
BNY MELLON US LARGE CAP CORE EQUITY ETF	US LRG CP CORE	09661T107	799,172	9,587	SH		SOLE		0	0	9,587
BOEING CO	COM	097023105	221,718	1,050	SH		SOLE		0	0	1,050
CF BANKSHARES INC	COM	12520L109	276,390	18,426	SH		SOLE		0	0	18,426
CHIPOTLE MEXICAN GRIL	COM	169656105	218,178	102	SH		SOLE		0	0	102
COCA COLA CO	COM	191216100	709,331	11,779	SH		SOLE		0	0	11,779
Colgate-Palmolive	COM	194162103	509,697	6,616	SH		SOLE		0	0	6,616
Comcast Corp A	CL A	20030N101	537,491	12,936	SH		SOLE		0	0	12,936
COMMUNITIES FIRST FINL CORP	COM	20344D104	234,952	3,858	SH		SOLE		0	0	3,858
COSTCO WHOLESALE CORP	COM	22160K105	204,584	380	SH		SOLE		0	0	380
Deutsche MSCI EAFE Hedged Equity ETF	XTRACK MSCI EAFE	233051200	602,457	17,033	SH		SOLE		0	0	17,033
Dimensional ETF TR U S Core Equity 2 ETF	US CORE EQUITY 2	25434V708	411,621	15,161	SH		SOLE		0	0	15,161
Dimensional ETF TR World EX U S Core Equity 2 ETF	WORLD EX US CORE	25434V880	319,137	13,691	SH		SOLE		0	0	13,691
DTE Energy Co	COM	233331107	223,837	2,035	SH		SOLE		0	0	2,035
EATON CORPORATION PLC	SHS	G29183103	361,578	1,798	SH		SOLE		0	0	1,798
Ecolab	COM	278865100	522,919	2,801	SH		SOLE		0	0	2,801
Exxon Mobil Corp	COM	30231G102	671,063	6,257	SH		SOLE		0	0	6,257
FIRST TR LOW DURATION OPPOR ETF	FST LOW OPPT EFT	33739Q200	845,189	17,730	SH		SOLE		0	0	17,730
GLOBAL X FDS ROBOTICS & ARTIFICIAL INTELL ETF	RBTCS ARTFL INTE	37954Y715	435,957	15,169	SH		SOLE		0	0	15,169
Home Depot Inc.	COM	437076102	282,682	910	SH		SOLE		0	0	910
Honeywell Intl Inc	COM	438516106	614,200	2,960	SH		SOLE		0	0	2,960
Innovator ETFS Equity Buffer ETF January	US EQTY BUFR JAN	45782C409	254,873	6,757	SH		SOLE		0	0	6,757
Innovator ETFS S&P 500 Buffer - Jan	S&P 500 Power	45782C508	666,844	18,993	SH		SOLE		0	0	18,993
Innovator ETFS TR S&P 500 Power Buffer ETF	S&P 500 PWRETF	45782C797	1,345,929	40,213	SH		SOLE		0	0	40,213
INNOVATOR ETFS TR U S EQUITY BUFFER ETF NOV	US EQTY BUF NOV	45782C581	219,425	6,459	SH		SOLE		0	0	6,459
Innovator S&P 500 Buffer	S&P 500 BUFFER	45782C755	509,423	15,184	SH		SOLE		0	0	15,184
Innovator S&P 500 PWR Buffer	COM	45782C870	418,541	13,545	SH		SOLE		0	0	13,545
Innovator S&P 500 Pwr Buffer	S&P 500 POWER	45782C573	1,406,994	41,492	SH		SOLE		0	0	41,492
Innovator S&P 500 PWR Buffer ETF Mary	COM	45782C318	395,333	13,244	SH		SOLE		0	0	13,244
Innovator S&P 500 Pwr ETF-June	COM	45782C748	302,639	9,556	SH		SOLE		0	0	9,556
Innovator S&P 500 PwrBuff Dec	S&P 500 PWR BU	45782C540	1,706,332	51,272	SH		SOLE		0	0	51,272
Innovator TR Equity Pwr Buffer July	US EQTY PWR BUF	45782C813	371,937	10,869	SH		SOLE		0	0	10,869
Innovator TR Equity Pwr Buffer Sept	US EQTY PWR BUF	45782C656	288,666	8,825	SH		SOLE		0	0	8,825
International Business Machines	COM	459200101	1,085,199	8,110	SH		SOLE		0	0	8,110
Invesco Clean Energy	WILDERHIL CLAN	46137V134	509,525	12,700	SH		SOLE		0	0	12,700
IRON MTN INC	COM	46284V101	227,280	4,000	SH		SOLE		0	0	4,000
ISHARES 1-3 R TREAS BD ETF	1 3 YR TREAS BD	464287457	3,419,630	42,176	SH		SOLE		0	0	42,176
iShares Core S&P 500 ETF	CORE S&P500 ETF	464287200	90,607,692	203,288	SH		SOLE		0	0	203,288
iShares Core S&P Mid-Cap ETF	CORE S&P MCP ETF	464287507	32,980,995	126,132	SH		SOLE		0	0	126,132
ISHARES INC ESG AWARE MSCI EM ETF	ESG AWR MSCI EM	46434G863	202,875	6,414	SH		SOLE		0	0	6,414
ISHARES INC MSCI EMERGING MKTS ASIA ETF	MSCI EM ASIA ETF	464286426	455,173	6,927	SH		SOLE		0	0	6,927
ISHARES INC MSCI EMERGING MKTS EX CHINA ETF	MSCI EMRG CHN	46434G764	321,444	6,184	SH		SOLE		0	0	6,184
ISHARES INC MSCI WORLD INDEX FD	MSCI WORLD ETF	464286392	496,212	3,985	SH		SOLE		0	0	3,985
IShares MSCI 400 Social ETF	COM	464288570	1,125,269	13,369	SH		SOLE		0	0	13,369
iShares MSCI ACWI Index ETF	MSCI ACWI ETF	464288257	3,522,149	36,712	SH		SOLE		0	0	36,712
iShares MSCI EAFE ETF	MSCI EAFE ETF	464287465	3,362,043	46,373	SH		SOLE		0	0	46,373
iShares MSCI Emerging Markets ETF	MSCI EMG MKT ETF	464287234	1,681,775	42,512	SH		SOLE		0	0	42,512
Ishares Russell 1000 ETF	RUS 1000 ETF	464287622	5,374,711	22,051	SH		SOLE		0	0	22,051
iShares Russell 1000 Growth ETF	RUS 1000 GRW ETF	464287614	16,014,650	58,197	SH		SOLE		0	0	58,197
iShares Russell 1000 Value ETF	RUS 1000 VAL ETF	464287598	10,678,380	67,657	SH		SOLE		0	0	67,657
iShares Russell Mid-Cap ETF	RUS MID CP ETF	464287499	2,002,921	27,426	SH		SOLE		0	0	27,426
iShares Russell Mid-Cap Growth ETF	RUS MD CP GR ETF	464287481	577,074	5,972	SH		SOLE		0	0	5,972
iShares S&P 500 Growth	S&P 500 GRWT ETF	464287309	1,865,394	26,467	SH		SOLE		0	0	26,467
iShares S&P 500 Value ETF	S&P 500 VAL ETF	464287408	2,482,810	15,403	SH		SOLE		0	0	15,403
ISHARES TR 3 7 YR TREAS BD ETF	3 7 YR Treas BD	464288661	5,526,948	47,952	SH		SOLE		0	0	47,952
ISHARES TR 7-10 YR TREAS BD ETF	7-10 YR TRSY BD	464287440	4,932,010	51,056	SH		SOLE		0	0	51,056
ISHARES TR BARCLAYS 20 YR TREAS BD ETF	20 YR TR BD ETF	464287432	977,209	9,493	SH		SOLE		0	0	9,493
ISHARES TR BIOTECHNOLOGY ETF	ISHARES BIOTECH	464287556	259,760	2,046	SH		SOLE		0	0	2,046
ISHARES TR CORE MSCI EAFE ETF	CORE MSCI EAFE	46432F842	226,868	3,361	SH		SOLE		0	0	3,361
ISHARES TR CORE S&P U S GROWTH ETF	CORE S&P US GWT	464287671	390,560	4,000	SH		SOLE		0	0	4,000
ISHARES TR ESG 1-5 YR CORPORATE BD ETF	ESG AWRE 1 5 YR	46435G243	288,689	12,074	SH		SOLE		0	0	12,074
ISHARES TR ESG AWARE U S AGGREGATE BD ETF	ESG AWR US AGRGT	46435U549	1,514,770	32,113	SH		SOLE		0	0	32,113
ISHARES TR ESG AWARE USD CORPORATE BD ETF	ESG AWRE USD ETF	46435G193	473,401	20,818	SH		SOLE		0	0	20,818
IShares TR Russell 2000	RUSSELL 2000 ETF	464287655	258,994	1,383	SH		SOLE		0	0	1,383
Ishares TR Russell Mid Cap Value	RUS MDCP VAL ETF	464287473	855,214	7,786	SH		SOLE		0	0	7,786
IsharesMSCI USA ESG Select ETF	MSCI USA ESG SLC	464288802	633,287	6,763	SH		SOLE		0	0	6,763
Johnson & Johnson	COM	478160104	846,800	5,116	SH		SOLE		0	0	5,116
JP Morgan Chase	COM	46625H100	653,026	4,490	SH		SOLE		0	0	4,490
Lam Research Corp	COM	512807108	397,287	618	SH		SOLE		0	0	618
Lilly Eli & Co	COM	532457108	498,995	1,064	SH		SOLE		0	0	1,064
MASTERCARD INC CL A	COM	57636Q104	217,102	552	SH		SOLE		0	0	552
McDonalds Corp	COM	580135101	527,589	1,768	SH		SOLE		0	0	1,768
Merck & Co	COM	58933Y105	1,255,905	10,884	SH		SOLE		0	0	10,884
Microsoft Corp	COM	594918104	2,275,148	6,681	SH		SOLE		0	0	6,681
Nushares ESG Mid Cap Value	NUVEEN ESG MIDVL	67092P508	525,953	17,751	SH		SOLE		0	0	17,751
NUSHARES ETF TR ESG MID-CAP GROWTH ETF	NUVEEN ESG MIDCP	67092P409	200,653	5,141	SH		SOLE		0	0	5,141
NVIDIA CORP	COM	67066G104	355,337	840	SH		SOLE		0	0	840
Oracle Corp	COM	68389X105	512,206	4,301	SH		SOLE		0	0	4,301
PepsiCo	COM	713448108	825,399	4,456	SH		SOLE		0	0	4,456
PFIZER INC COM	COM	717081103	318,859	8,693	SH		SOLE		0	0	8,693
PowerShares QQQ ETF	UNIT SER 1	73935A104	5,249,566	14,210	SH		SOLE		0	0	14,210
PowerShares Water Resources ETF	WATER RES PORT	73935X575	1,133,665	20,104	SH		SOLE		0	0	20,104
Proctor & Gamble	COM	742718109	1,021,969	6,735	SH		SOLE		0	0	6,735
RAYTHEON TECHNOLOGIES CORP COM	COM	75513E101	320,917	3,276	SH		SOLE		0	0	3,276
Rydex Guggenheim S&P 500 Equal Weight ETF	GUG S&P 500 EQ WT	78355W106	7,677,686	51,308	SH		SOLE		0	0	51,308
SALESFORCE INC	COM	79466L302	319,003	1,510	SH		SOLE		0	0	1,510
Schwab Strategic Large Cap Gwth	US LCAP GR ETF	808524300	1,053,048	14,050	SH		SOLE		0	0	14,050
SCHWAB STRATEGIC TR US SMALL-CAP ETF	US SML CAP ETF	808524607	201,392	4,598	SH		SOLE		0	0	4,598
Schwab Strategic US Large Cap	US LRG CAP ETF	808524201	272,115	5,196	SH		SOLE		0	0	5,196
Select Sector SPDR TR	TECHNOLOGY	81369Y803	2,393,531	13,767	SH		SOLE		0	0	13,767
Select Sector SPDR TR Energy	ENERGY	81369Y506	1,145,796	14,116	SH		SOLE		0	0	14,116
SELECT SECTOR SPDR TR UTILS	SBI INT-UTILS	81369Y886	204,958	3,132	SH		SOLE		0	0	3,132
SOUTHERN CO COM	COM	842587107	364,879	5,194	SH		SOLE		0	0	5,194
SPDR Gold ETF	GOLD SHS	78463V107	989,399	5,550	SH		SOLE		0	0	5,550
SPDR Index S&P Emerging Mkts ETF	PORTFOLIO EMG MK	78463X509	1,022,117	29,730	SH		SOLE		0	0	29,730
SPDR S&P 400 MID CAP	PORTFOLIO MD ETF	78464A847	10,981,021	239,290	SH		SOLE		0	0	239,290
SPDR S&P 500 ETF	TR UNIT	78462F103	37,617,446	84,862	SH		SOLE		0	0	84,862
SPDR S&P 500 ETF	PORTFOLIO LR ETF	78464A854	20,173,605	387,135	SH		SOLE		0	0	387,135
SPDR S&P 500 FOSSIL	SPDR S&P500 ETF	78468R796	11,040,278	305,233	SH		SOLE		0	0	305,233
SPDR S&P 500 VALUE ETF	PRTFLO S&P500 VL	78464A508	4,246,946	98,309	SH		SOLE		0	0	98,309
SPDR S&P Mid-Cap 400 ETF	UTSER1 S&PDCRP	78467Y107	5,638,207	11,773	SH		SOLE		0	0	11,773
SPDR SER TR S&P 400 MID CAP GROWTH ETF	S&P 400 MDCP GRW	78464A821	219,607	3,065	SH		SOLE		0	0	3,065
SPDR SER TR S&P 500 ESG ETF	S&P 500 ESG ETF	78468R531	730,386	16,966	SH		SOLE		0	0	16,966
SPDR SER TR S&P COMPUTER SOFTWARE ETF	COMP SOFTWARE	78464A599	227,227	1,704	SH		SOLE		0	0	1,704
SPDR SER TR S&P METALS & MNG ETF	S&P METALS MNG	78464A755	773,938	15,229	SH		SOLE		0	0	15,229
SPDR SER TR S&P TRANSN ETF	S&P TRANSN ETF	78464A532	232,546	2,777	SH		SOLE		0	0	2,777
SPDR TR S&P 500 Growth	PRTFLO S&P500 GW	78464A409	3,406,188	55,830	SH		SOLE		0	0	55,830
STANDARD LITHIUM CP	COM	853606101	280,760	62,650	SH		SOLE		0	0	62,650
Thermo Fisher Scientific	COM	883556102	230,614	442	SH		SOLE		0	0	442
TRI CONTL CORP COM	COM	895436103	475,134	17,328	SH		SOLE		0	0	17,328
UNION PAC CORP COM	COM	907818108	246,772	1,206	SH		SOLE		0	0	1,206
VANECK ETF TR AMT-FREE LONG MUN INDEX ETF	LONG MUNI ETF	92189F536	230,658	12,850	SH		SOLE		0	0	12,850
Vanguard Growth ETF	GROWTH ETF	922908736	1,401,784	4,954	SH		SOLE		0	0	4,954
VANGUARD INDEX FDS MID-CAP VALUE ETF	MCAP VL IDXVIP	922908512	374,871	2,709	SH		SOLE		0	0	2,709
VANGUARD INDEX FDS VANGUARD EXTENDED MKT ETF	EXTEND MKT ETF	922908652	298,999	2,009	SH		SOLE		0	0	2,009
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF	TOTAL STK MKT	922908769	1,246,565	5,659	SH		SOLE		0	0	5,659
Vanguard Intl Equity Emerging Mkts ETF	FTSE EMR MKT ETF	922042858	213,000	5,236	SH		SOLE		0	0	5,236
VANGUARD INTL FD FTSE DEVELOPED MKTS ETF	VAN FTSE DEV MKT	921943858	204,162	4,421	SH		SOLE		0	0	4,421
VANGUARD LARGE CAP ETF	LARGE CAP ETF	922908637	668,165	3,296	SH		SOLE		0	0	3,296
Vanguard Mid-Cap ETF	MID CAP ETF	922908629	4,568,320	20,750	SH		SOLE		0	0	20,750
Vanguard Russell 1000 Index	VNG RUS1000IDX	92206C730	589,765	2,926	SH		SOLE		0	0	2,926
Vanguard S&P 500 ETF	S&P500 ETF SHS	922908363	1,688,176	4,145	SH		SOLE		0	0	4,145
Vanguard Value ETF	VALUE ETF	922908744	962,870	6,776	SH		SOLE		0	0	6,776
Vanguard Whitehall High Div Yld ETF	HIGH DIV YLD	921946406	538,942	5,081	SH		SOLE		0	0	5,081
VANGUARD WORLD VANGUARD CON STAPLES ETF	CONSUM STP ETF	92204A207	235,868	1,213	SH		SOLE		0	0	1,213
VISA INC	COM	92826C839	378,306	1,593	SH		SOLE		0	0	1,593
Walt Disney Company	COM	254687106	413,099	4,627	SH		SOLE		0	0	4,627
Wedbush Video Game Tech ETF	WEDBUSH VID GAME	26924G706	260,415	4,286	SH		SOLE		0	0	4,286
World Gold TR Minishares ETF	SWPD GLD MINIS	98149E204	5,496,654	144,307	SH		SOLE		0	0	144,307
Zomedica Corp	COM	98980M109	8,229	41,143	SH		SOLE		0	0	41,143