Retirement Investment Advisors, Inc.

**Retirement Investment Advisors, Inc.** manages $1.2B across a diversified portfolio of 65 holdings. The strategy exhibits a significant tilt toward U.S. large-cap growth and value, evidenced by top positions in VTV ($262.8M) and VUG ($257.0M). Global diversification is maintained through substantial allocations to international equities, notably IEFA ($186.4M) and IEMG ($92.9M). The remaining structure balances developed and emerging market fixed income exposure.

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