Rf&l Wealth Management, LLC
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 21, 2025), Rf&l Wealth Management, LLC reported 58 stock positions worth $139.8 million. Its top holding was Dimensional US Target Value (DFAT) at 10.8% of the portfolio, followed by Dimensional US Core Equity 2 (DFAC, 6.7%) and Dimensional US Eq MKT ETF (DFUS, 6.3%). Compared with Q4 2024, it opened 3 new positions, sold out of 2, added to 17 and reduced 16. The biggest buy was a new position in Unitedhealth (UNH) and the biggest sale Dimensional US Target Value (DFAT, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- ACTON, MA
- CIK
- 0001965915
- Portfolio Value
- $139.8M (Q1 2025)
- SEC Filing
- 0001965915-25-000005 ↗ filed Apr 21, 2025
Holdings Value
Holdings 58 stocks · $139.8M
| DFAT Dimensional US Target Value | 10.78% | 292,848 | $15.1M | Reduce -0.5% |
| DFAC Dimensional US Core Equity 2 | 6.74% | 285,793 | $9.4M | Reduce -0.6% |
| DFUS Dimensional US Eq MKT ETF | 6.30% | 145,696 | $8.8M | Reduce -0.5% |
| DFUV Dimensional US Marketwide Va | 6.05% | 205,316 | $8.5M | Reduce -1.9% |
| BSV Vanguard Short-Term Bond ETF | 5.60% | 99,961 | $7.8M | Add +0.6% |
| AAPL Apple Inc. | 4.49% | 28,289 | $6.3M | No change |
| DFAS Dimensional US Small Cap ETF | 4.12% | 96,405 | $5.8M | Add +2.3% |
| AMZN Amazon.com Inc. | 3.48% | 25,612 | $4.9M | Reduce -0.0% |
| DFIV Dimensional International Va | 3.40% | 120,804 | $4.8M | Add +3.1% |
| VTI VG Morningstar TS MKT ETF-US | 3.09% | 15,740 | $4.3M | Add +0.1% |
| VOO Vanguard S&P 500 ETF | 2.99% | 8,130 | $4.2M | Add +4.1% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 2.84% | 109,780 | $4.0M | Add +1.7% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 2.78% | 20,885 | $3.9M | Add +0.0% |
| MSFT Microsoft Corp. | 2.78% | 10,350 | $3.9M | No change |
| META Meta Platforms Inc. Class A | 2.72% | 6,595 | $3.8M | Reduce -0.1% |
| ABBV Abbvie Inc. | 2.66% | 17,730 | $3.7M | Reduce -1.1% |
| LLY Eli Lilly & Co. | 2.19% | 3,704 | $3.1M | No change |
| IEMG iShares Core MSCI Emerging | 2.03% | 52,482 | $2.8M | Add +7.6% |
| ITOT iShares Core S&P Total U.S. | 1.99% | 22,764 | $2.8M | Add +2.8% |
| WMT Walmart Inc. | 1.85% | 29,400 | $2.6M | No change |
| NVDA Nvidia Corp. | 1.40% | 18,045 | $2.0M | Add +19.9% |
| IDEV iShares Core MSCI Dev MKTS | 1.37% | 27,779 | $1.9M | Add +8.0% |
| JPM JPMorgan Chase & Co. | 1.27% | 7,227 | $1.8M | Reduce -0.7% |
| COST Costco Wholesale Corp. | 1.26% | 1,865 | $1.8M | No change |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 1.22% | 47,374 | $1.7M | Reduce -2.5% |
| IWD iShares Russell 1000 Value E | 1.17% | 8,705 | $1.6M | Add +1.5% |
| ABT Abbott Laboratories | 0.94% | 9,944 | $1.3M | Reduce -0.7% |
| CRWD CrowdStrike Holdings Inc. Class A | 0.88% | 3,500 | $1.2M | No change |
| KO The Coca-Cola Co. | 0.88% | 17,130 | $1.2M | No change |
| UNH Unitedhealth Group Inc. | 0.86% | 2,300 | $1.2M | New |
| DFAX Dimensional World Ex US Core | 0.80% | 42,901 | $1.1M | Reduce -0.6% |
| OHI Omega Healthcare Investors | 0.79% | 29,091 | $1.1M | No change |
| VWO Vanguard Ftse Emerging Marke | 0.62% | 19,144 | $866K | Reduce -0.3% |
| IWM iShares Russell 2000 ETF | 0.59% | 4,111 | $820K | Reduce -1.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.56% | 4,540 | $784K | Add +1.9% |
| IWN iShares Russell 2000 Value E | 0.53% | 4,870 | $735K | No change |
| DISV Dimensional International SM | 0.51% | 24,725 | $720K | Add +17.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.47% | 1,233 | $657K | No change |
| SCZ iShares MSCI Eafe Small-Cap | 0.43% | 9,503 | $604K | Add +1.1% |
| QCOM Qualcomm Inc. | 0.43% | 3,894 | $598K | No change |
| DFEM Dimensional Emrg MRKT Core | 0.36% | 19,135 | $506K | Reduce -0.3% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.34% | 13,220 | $481K | Reduce -1.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.31% | 782 | $437K | No change |
| XOM Exxon Mobil Corp. | 0.29% | 3,405 | $405K | No change |
| SCHX Schwab US Large-Cap ETF | 0.28% | 17,436 | $385K | Add +0.0% |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.27% | 2,922 | $376K | No change |
| IJR iShares Core S&P Small-Cap E | 0.26% | 3,484 | $364K | No change |
| FTEC Fidelity MSCI Info Tech Indx | 0.24% | 2,108 | $340K | No change |
| TSLA Tesla Inc. | 0.21% | 1,130 | $293K | Reduce -1.7% |
| CVX Chevron Corp. | 0.21% | 1,725 | $289K | No change |
| GL Globe Life Inc. | 0.20% | 2,157 | $284K | New |
| BIV Vanguard Intermediate-Term B | 0.20% | 3,570 | $273K | Add +0.4% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.19% | 855 | $264K | No change |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | 0.17% | 4,697 | $237K | No change |
| GOOGL Alphabet Inc. Class A | 0.16% | 1,423 | $220K | No change |
| XYZ Block Inc. | 0.16% | 4,000 | $217K | No change |
| FXL First Trust Technology Alpha | 0.15% | 1,625 | $215K | No change |
| BSX Boston Scientific Corp. | 0.14% | 2,000 | $202K | New |
Portfolio Sells Q4 2024 → Q1 2025
| DFAT Dimensional US Target Value | Reduce -0.5% | 10.78% | −0.81 |
| AMZN Amazon.com Inc. | Reduce -0.0% | 3.48% | −0.49 |
| DFUS Dimensional US Eq MKT ETF | Reduce -0.5% | 6.30% | −0.30 |
| DFAC Dimensional US Core Equity 2 | Reduce -0.6% | 6.74% | −0.29 |
| MRK Merck & Co. Inc. | Sold out | 0.00% | −0.16 |
| TSLA Tesla Inc. | Reduce -1.7% | 0.21% | −0.12 |
| RVNC Revance Therapeutics Inc. | Sold out | 0.00% | −0.10 |
| IWM iShares Russell 2000 ETF | Reduce -1.1% | 0.59% | −0.06 |
| META Meta Platforms Inc. Class A | Reduce -0.1% | 2.72% | −0.01 |
| DFUV Dimensional US Marketwide Va | Reduce -1.9% | 6.05% | −0.00 |
| DFEM Dimensional Emrg MRKT Core | Reduce -0.3% | 0.36% | +0.01 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -1.5% | 0.34% | +0.02 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.3% | 0.62% | +0.02 |
| JPM JPMorgan Chase & Co. | Reduce -0.7% | 1.27% | +0.03 |
| DFAX Dimensional World Ex US Core | Reduce -0.6% | 0.80% | +0.04 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Reduce -2.5% | 1.22% | +0.08 |
| ABT Abbott Laboratories | Reduce -0.7% | 0.94% | +0.14 |
| ABBV Abbvie Inc. | Reduce -1.1% | 2.66% | +0.40 |
Portfolio Buys Q4 2024 → Q1 2025
| UNH Unitedhealth Group Inc. | New | 0.86% | +0.86 |
| DFIV Dimensional International Va | Add +3.1% | 3.40% | +0.46 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Add +1.7% | 2.84% | +0.24 |
| IEMG iShares Core MSCI Emerging | Add +7.6% | 2.03% | +0.22 |
| GL Globe Life Inc. | New | 0.20% | +0.20 |
| IDEV iShares Core MSCI Dev MKTS | Add +8.0% | 1.37% | +0.20 |
| BSV Vanguard Short-Term Bond ETF | Add +0.6% | 5.60% | +0.16 |
| BSX Boston Scientific Corp. | New | 0.14% | +0.14 |
| DISV Dimensional International SM | Add +17.1% | 0.51% | +0.12 |
| IWD iShares Russell 1000 Value E | Add +1.5% | 1.17% | +0.05 |
| SCZ iShares MSCI Eafe Small-Cap | Add +1.1% | 0.43% | +0.03 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +1.9% | 0.56% | +0.03 |
| VOO Vanguard S&P 500 ETF | Add +4.1% | 2.99% | +0.01 |
| BIV Vanguard Intermediate-Term B | Add +0.4% | 0.20% | +0.01 |
| SCHX Schwab US Large-Cap ETF | Add +0.0% | 0.28% | −0.01 |
| ITOT iShares Core S&P Total U.S. | Add +2.8% | 1.99% | −0.03 |
| NVDA Nvidia Corp. | Add +19.9% | 1.40% | −0.03 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.1% | 3.09% | −0.13 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.0% | 2.78% | −0.14 |
| DFAS Dimensional US Small Cap ETF | Add +2.3% | 4.12% | −0.22 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 50 | $147.8M | DFAT, DFAC, DFUS, DFUV, BSV |
| Q1 2026 | 52 | $133.6M | DFAT, DFAC, DFUS, DFUV, BSV |
| Q4 2025 | 62 | $178.4M | DFAT, DFAC, DFUS, DFUV, BSV |
| Q3 2025 | 60 | $170.4M | DFAT, DFAC, DFUS, DFUV, BSV |
| Q2 2025 | 59 | $155.2M | DFAT, DFAC, DFUS, DFUV, BSV |
| Q1 2025 | 58 | $139.8M | DFAT, DFAC, DFUS, DFUV, BSV |
| Q4 2024 | 57 | $141.4M | DFAT, DFAC, DFUS, DFUV, BSV |
| Q3 2024 | 58 | $141.3M | DFAT, DFAC, DFUS, DFUV, BSV |
| Q2 2024 | 56 | $131.4M | DFAT, DFAC, DFUS, DFUV, BSV |
| Q1 2024 | 56 | $129.8M | DFAT, DFAC, DFUV, DFUS, BSV |