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	220,007	2,350	SH		SOLE		0	0	2,350
Alliant Energy	COM	018802108	315,022	6,502	SH		SOLE		0	0	6,502
Alphabet Inc Cap Stk Class A	CAP STK CL A	02079K305	991,265	7,575	SH		SOLE		0	0	7,575
Alphabet Inc Cap Stk Class C	CAP STK CL C	02079K107	864,936	6,560	SH		SOLE		0	0	6,560
Amazon Com Inc	COM	023135106	2,436,255	19,165	SH		SOLE		0	0	19,165
Amgen	COM	031162100	422,222	1,571	SH		SOLE		0	0	1,571
Apple Inc	COM	037833100	3,263,468	19,061	SH		SOLE		0	0	19,061
Berkshire Hathaway B	CL B NEW	084670702	1,893,372	5,405	SH		SOLE		0	0	5,405
BNY MELLON US LARGE CAP CORE EQUITY ETF	US LRG CP CORE	09661T107	776,547	9,587	SH		SOLE		0	0	9,587
BOEING CO	COM	097023105	201,264	1,050	SH		SOLE		0	0	1,050
CF BANKSHARES INC	COM	12520L109	308,636	18,426	SH		SOLE		0	0	18,426
COCA COLA CO	COM	191216100	659,388	11,779	SH		SOLE		0	0	11,779
Colgate-Palmolive	COM	194162103	470,464	6,616	SH		SOLE		0	0	6,616
Comcast Corp A	CL A	20030N101	533,942	12,042	SH		SOLE		0	0	12,042
COMMUNITIES FIRST FINL CORP	COM	20344D104	266,125	3,858	SH		SOLE		0	0	3,858
CONOCOPHILLIPS COM	COM	20825C104	209,051	1,745	SH		SOLE		0	0	1,745
COSTCO WHOLESALE CORP	COM	22160K105	214,685	380	SH		SOLE		0	0	380
Deutsche MSCI EAFE Hedged Equity ETF	XTRACK MSCI EAFE	233051200	594,452	17,033	SH		SOLE		0	0	17,033
Dimensional ETF TR U S Core Equity 2 ETF	US CORE EQUITY 2	25434V708	397,218	15,161	SH		SOLE		0	0	15,161
Dimensional ETF TR World EX U S Core Equity 2 ETF	WORLD EX US CORE	25434V880	308,321	13,691	SH		SOLE		0	0	13,691
DTE Energy Co	COM	233331107	269,696	2,717	SH		SOLE		0	0	2,717
EATON CORPORATION PLC	SHS	G29183103	383,477	1,798	SH		SOLE		0	0	1,798
Ecolab	COM	278865100	466,019	2,751	SH		SOLE		0	0	2,751
Exxon Mobil Corp	COM	30231G102	735,698	6,257	SH		SOLE		0	0	6,257
FIRST TR LOW DURATION OPPOR ETF	FST LOW OPPT EFT	33739Q200	868,224	18,379	SH		SOLE		0	0	18,379
Home Depot Inc.	COM	437076102	274,966	910	SH		SOLE		0	0	910
Honeywell Intl Inc	COM	438516106	353,038	1,911	SH		SOLE		0	0	1,911
Innovator ETFS Equity Buffer ETF January	US EQTY BUFR JAN	45782C409	248,260	6,757	SH		SOLE		0	0	6,757
Innovator ETFS S&P 500 Buffer - Jan	S&P 500 Power	45782C508	850,732	24,449	SH		SOLE		0	0	24,449
Innovator ETFS TR S&P 500 Power Buffer ETF	S&P 500 PWRETF	45782C797	1,320,806	38,893	SH		SOLE		0	0	38,893
INNOVATOR ETFS TR U S EQUITY BUFFER ETF NOV	US EQTY BUF NOV	45782C581	211,381	6,459	SH		SOLE		0	0	6,459
INNOVATOR ETFS TR U S EQUITY PWR BUFFER ETF - AUGUST	COM	45782C680	292,864	9,432	SH		SOLE		0	0	9,432
Innovator S&P 500 Buffer	S&P 500 BUFFER	45782C755	498,339	15,184	SH		SOLE		0	0	15,184
Innovator S&P 500 PWR Buffer	COM	45782C870	414,612	13,545	SH		SOLE		0	0	13,545
Innovator S&P 500 Pwr Buffer	S&P 500 POWER	45782C573	1,342,269	40,601	SH		SOLE		0	0	40,601
Innovator S&P 500 PWR Buffer ETF Mary	COM	45782C318	390,963	13,244	SH		SOLE		0	0	13,244
Innovator S&P 500 Pwr ETF-June	COM	45782C748	248,539	7,938	SH		SOLE		0	0	7,938
Innovator S&P 500 PwrBuff Dec	S&P 500 PWR BU	45782C540	1,659,162	51,272	SH		SOLE		0	0	51,272
Innovator TR Equity Pwr Buffer July	US EQTY PWR BUF	45782C813	366,285	10,869	SH		SOLE		0	0	10,869
Innovator TR Equity Pwr Buffer Sept	US EQTY PWR BUF	45782C656	285,930	8,825	SH		SOLE		0	0	8,825
International Business Machines	COM	459200101	308,800	2,201	SH		SOLE		0	0	2,201
Invesco Clean Energy	WILDERHIL CLAN	46137V134	421,257	13,403	SH		SOLE		0	0	13,403
IRON MTN INC	COM	46284V101	237,800	4,000	SH		SOLE		0	0	4,000
ISHARES 1-3 R TREAS BD ETF	1 3 YR TREAS BD	464287457	3,944,454	48,715	SH		SOLE		0	0	48,715
iShares Core S&P 500 ETF	CORE S&P500 ETF	464287200	89,203,537	207,725	SH		SOLE		0	0	207,725
iShares Core S&P Mid-Cap ETF	CORE S&P MCP ETF	464287507	32,638,419	130,894	SH		SOLE		0	0	130,894
ISHARES INC MSCI EMERGING MKTS ASIA ETF	MSCI EM ASIA ETF	464286426	268,567	4,265	SH		SOLE		0	0	4,265
ISHARES INC MSCI EMERGING MKTS EX CHINA ETF	MSCI EMRG CHN	46434G764	308,149	6,184	SH		SOLE		0	0	6,184
ISHARES INC MSCI WORLD INDEX FD	MSCI WORLD ETF	464286392	478,877	3,985	SH		SOLE		0	0	3,985
IShares MSCI 400 Social ETF	COM	464288570	1,088,370	13,369	SH		SOLE		0	0	13,369
iShares MSCI ACWI Index ETF	MSCI ACWI ETF	464288257	3,431,823	37,153	SH		SOLE		0	0	37,153
iShares MSCI EAFE ETF	MSCI EAFE ETF	464287465	3,084,377	44,753	SH		SOLE		0	0	44,753
iShares MSCI Emerging Markets ETF	MSCI EMG MKT ETF	464287234	1,583,122	41,716	SH		SOLE		0	0	41,716
Ishares Russell 1000 ETF	RUS 1000 ETF	464287622	5,180,000	22,051	SH		SOLE		0	0	22,051
iShares Russell 1000 Growth ETF	RUS 1000 GRW ETF	464287614	15,555,095	58,480	SH		SOLE		0	0	58,480
iShares Russell 1000 Value ETF	RUS 1000 VAL ETF	464287598	10,170,647	66,991	SH		SOLE		0	0	66,991
iShares Russell Mid-Cap ETF	RUS MID CP ETF	464287499	1,899,251	27,426	SH		SOLE		0	0	27,426
iShares Russell Mid-Cap Growth ETF	RUS MD CP GR ETF	464287481	545,542	5,972	SH		SOLE		0	0	5,972
iShares S&P 500 Growth	S&P 500 GRWT ETF	464287309	1,774,473	25,935	SH		SOLE		0	0	25,935
iShares S&P 500 Value ETF	S&P 500 VAL ETF	464287408	2,369,598	15,403	SH		SOLE		0	0	15,403
ISHARES TR 3 7 YR TREAS BD ETF	3 7 YR Treas BD	464288661	6,552,643	57,906	SH		SOLE		0	0	57,906
ISHARES TR 7-10 YR TREAS BD ETF	7-10 YR TRSY BD	464287440	4,282,199	46,754	SH		SOLE		0	0	46,754
ISHARES TR BARCLAYS 20 YR TREAS BD ETF	20 YR TR BD ETF	464287432	512,894	5,783	SH		SOLE		0	0	5,783
ISHARES TR BIOTECHNOLOGY ETF	ISHARES BIOTECH	464287556	250,205	2,046	SH		SOLE		0	0	2,046
ISHARES TR CORE MSCI EAFE ETF	CORE MSCI EAFE	46432F842	227,220	3,531	SH		SOLE		0	0	3,531
ISHARES TR CORE S&P U S GROWTH ETF	CORE S&P US GWT	464287671	379,320	4,000	SH		SOLE		0	0	4,000
ISHARES TR ESG 1-5 YR CORPORATE BD ETF	ESG AWRE 1 5 YR	46435G243	204,089	8,586	SH		SOLE		0	0	8,586
ISHARES TR ESG AWARE MSCI USA ETF	COM	46435G425	563,366	5,999	SH		SOLE		0	0	5,999
ISHARES TR ESG AWARE U S AGGREGATE BD ETF	ESG AWR US AGRGT	46435U549	1,377,256	30,403	SH		SOLE		0	0	30,403
ISHARES TR ESG AWARE USD CORPORATE BD ETF	ESG AWRE USD ETF	46435G193	453,000	20,818	SH		SOLE		0	0	20,818
IShares TR Russell 2000	RUSSELL 2000 ETF	464287655	266,524	1,508	SH		SOLE		0	0	1,508
Ishares TR Russell Mid Cap Value	RUS MDCP VAL ETF	464287473	786,828	7,541	SH		SOLE		0	0	7,541
IsharesMSCI USA ESG Select ETF	MSCI USA ESG SLC	464288802	578,327	6,428	SH		SOLE		0	0	6,428
Johnson & Johnson	COM	478160104	767,536	4,928	SH		SOLE		0	0	4,928
JP Morgan Chase	COM	46625H100	651,140	4,490	SH		SOLE		0	0	4,490
Lam Research Corp	COM	512807108	345,977	552	SH		SOLE		0	0	552
Lilly Eli & Co	COM	532457108	571,506	1,064	SH		SOLE		0	0	1,064
McDonalds Corp	COM	580135101	465,762	1,768	SH		SOLE		0	0	1,768
Merck & Co	COM	58933Y105	961,965	9,344	SH		SOLE		0	0	9,344
Microsoft Corp	COM	594918104	2,064,689	6,539	SH		SOLE		0	0	6,539
Nushares ESG Mid Cap Value	NUVEEN ESG MIDVL	67092P508	485,349	17,072	SH		SOLE		0	0	17,072
NVIDIA CORP	COM	67066G104	429,770	988	SH		SOLE		0	0	988
Oracle Corp	COM	68389X105	455,562	4,301	SH		SOLE		0	0	4,301
PepsiCo	COM	713448108	623,122	3,678	SH		SOLE		0	0	3,678
PowerShares QQQ ETF	UNIT SER 1	73935A104	5,419,746	15,128	SH		SOLE		0	0	15,128
PowerShares Water Resources ETF	WATER RES PORT	73935X575	1,078,650	20,283	SH		SOLE		0	0	20,283
Proctor & Gamble	COM	742718109	795,666	5,455	SH		SOLE		0	0	5,455
Rydex Guggenheim S&P 500 Equal Weight ETF	GUG S&P 500 EQ WT	78355W106	7,384,700	52,119	SH		SOLE		0	0	52,119
SALESFORCE INC	COM	79466L302	306,198	1,510	SH		SOLE		0	0	1,510
Schwab Strategic Large Cap Gwth	US LCAP GR ETF	808524300	1,021,716	14,050	SH		SOLE		0	0	14,050
Schwab Strategic US Large Cap	US LRG CAP ETF	808524201	262,918	5,196	SH		SOLE		0	0	5,196
Select Sector SPDR TR	TECHNOLOGY	81369Y803	2,301,905	14,042	SH		SOLE		0	0	14,042
Select Sector SPDR TR Energy	ENERGY	81369Y506	1,151,569	12,740	SH		SOLE		0	0	12,740
SOUTHERN CO COM	COM	842587107	250,661	3,873	SH		SOLE		0	0	3,873
SPDR Gold ETF	GOLD SHS	78463V107	951,548	5,550	SH		SOLE		0	0	5,550
SPDR Index S&P Emerging Mkts ETF	PORTFOLIO EMG MK	78463X509	914,615	27,245	SH		SOLE		0	0	27,245
SPDR S&P 400 MID CAP	PORTFOLIO MD ETF	78464A847	10,466,884	239,025	SH		SOLE		0	0	239,025
SPDR S&P 500 ETF	TR UNIT	78462F103	35,929,661	84,050	SH		SOLE		0	0	84,050
SPDR S&P 500 ETF	PORTFOLIO LR ETF	78464A854	19,346,776	384,934	SH		SOLE		0	0	384,934
SPDR S&P 500 FOSSIL	SPDR S&P500 ETF	78468R796	10,370,829	298,613	SH		SOLE		0	0	298,613
SPDR S&P 500 VALUE ETF	PRTFLO S&P500 VL	78464A508	3,715,070	90,040	SH		SOLE		0	0	90,040
SPDR S&P Mid-Cap 400 ETF	UTSER1 S&PDCRP	78467Y107	5,324,422	11,660	SH		SOLE		0	0	11,660
SPDR SER TR S&P 400 MID CAP GROWTH ETF	S&P 400 MDCP GRW	78464A821	211,914	3,065	SH		SOLE		0	0	3,065
SPDR SER TR S&P 500 ESG ETF	S&P 500 ESG ETF	78468R531	738,639	17,802	SH		SOLE		0	0	17,802
SPDR SER TR S&P COMPUTER SOFTWARE ETF	COMP SOFTWARE	78464A599	216,206	1,704	SH		SOLE		0	0	1,704
SPDR SER TR S&P METALS & MNG ETF	S&P METALS MNG	78464A755	764,085	14,554	SH		SOLE		0	0	14,554
SPDR SER TR S&P TRANSN ETF	S&P TRANSN ETF	78464A532	208,053	2,777	SH		SOLE		0	0	2,777
SPDR TR S&P 500 Growth	PRTFLO S&P500 GW	78464A409	3,174,740	53,555	SH		SOLE		0	0	53,555
STANDARD LITHIUM CP	COM	853606101	178,534	62,650	SH		SOLE		0	0	62,650
Thermo Fisher Scientific	COM	883556102	223,727	442	SH		SOLE		0	0	442
VANECK ETF TR SEMICONDUCTOR ETF	COM	92189F676	407,829	2,813	SH		SOLE		0	0	2,813
Vanguard Growth ETF	GROWTH ETF	922908736	1,382,790	5,078	SH		SOLE		0	0	5,078
VANGUARD INDEX FDS MID-CAP VALUE ETF	MCAP VL IDXVIP	922908512	354,771	2,709	SH		SOLE		0	0	2,709
VANGUARD INDEX FDS VANGUARD EXTENDED MKT ETF	EXTEND MKT ETF	922908652	287,950	2,009	SH		SOLE		0	0	2,009
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF	TOTAL STK MKT	922908769	1,334,572	6,283	SH		SOLE		0	0	6,283
Vanguard Intl Equity Emerging Mkts ETF	FTSE EMR MKT ETF	922042858	207,852	5,301	SH		SOLE		0	0	5,301
VANGUARD INTL FD FTSE DEVELOPED MKTS ETF	VAN FTSE DEV MKT	921943858	257,773	5,896	SH		SOLE		0	0	5,896
VANGUARD LARGE CAP ETF	LARGE CAP ETF	922908637	644,994	3,296	SH		SOLE		0	0	3,296
Vanguard Mid-Cap ETF	MID CAP ETF	922908629	4,326,811	20,778	SH		SOLE		0	0	20,778
Vanguard Russell 1000 Index	VNG RUS1000IDX	92206C730	569,575	2,926	SH		SOLE		0	0	2,926
Vanguard S&P 500 ETF	S&P500 ETF SHS	922908363	1,641,093	4,179	SH		SOLE		0	0	4,179
VANGUARD SPECIALIZED FUNDS DIVID APPRECIATION ETF SHS	COM	921908844	224,679	1,446	SH		SOLE		0	0	1,446
Vanguard Value ETF	VALUE ETF	922908744	960,958	6,967	SH		SOLE		0	0	6,967
Vanguard Whitehall High Div Yld ETF	HIGH DIV YLD	921946406	524,969	5,081	SH		SOLE		0	0	5,081
VISA INC	COM	92826C839	228,400	993	SH		SOLE		0	0	993
Walt Disney Company	COM	254687106	362,050	4,467	SH		SOLE		0	0	4,467
Wedbush Video Game Tech ETF	WEDBUSH VID GAME	26924G706	229,301	4,286	SH		SOLE		0	0	4,286
World Gold TR Minishares ETF	SWPD GLD MINIS	98149E204	5,133,903	140,041	SH		SOLE		0	0	140,041
Zomedica Corp	COM	98980M109	6,875	41,143	SH		SOLE		0	0	41,143