Rf&l Wealth Management, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 8, 2025), Rf&l Wealth Management, LLC reported 60 stock positions worth $170.4 million. Its top holding was Dimensional US Target Value (DFAT) at 9.9% of the portfolio, followed by Dimensional US Core Equity 2 (DFAC, 6.5%) and Dimensional US Eq MKT ETF (DFUS, 6.2%). Compared with Q2 2025, it opened 2 new positions, sold out of 1, added to 28 and reduced 12. The biggest buy was Costco Wholesale (COST, shares +108%) and the biggest sale Eli Lilly (LLY, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- ACTON, MA
- CIK
- 0001965915
- Portfolio Value
- $170.4M (Q3 2025)
- SEC Filing
- 0001965915-25-000008 ↗ filed Oct 8, 2025
Holdings Value
Holdings 60 stocks · $170.4M
| DFAT Dimensional US Target Value | 9.93% | 290,556 | $16.9M | Add +0.2% |
| DFAC Dimensional US Core Equity 2 | 6.48% | 286,245 | $11.0M | Reduce -0.5% |
| DFUS Dimensional US Eq MKT ETF | 6.22% | 146,368 | $10.6M | Reduce -0.3% |
| DFUV Dimensional US Marketwide Va | 5.44% | 207,556 | $9.3M | Add +0.8% |
| BSV Vanguard Short-Term Bond ETF | 4.92% | 106,160 | $8.4M | Add +5.2% |
| AAPL Apple Inc. | 4.23% | 28,279 | $7.2M | Reduce -0.0% |
| DFAS Dimensional US Small Cap ETF | 3.74% | 93,163 | $6.4M | Add +1.6% |
| DFIV Dimensional International Va | 3.46% | 127,854 | $5.9M | Add +4.2% |
| AMZN Amazon.com Inc. | 3.32% | 25,728 | $5.6M | Add +0.5% |
| MSFT Microsoft Corp. | 3.16% | 10,395 | $5.4M | Add +0.4% |
| VOO Vanguard S&P 500 ETF | 3.08% | 8,561 | $5.2M | Add +2.9% |
| VTI VG Morningstar TS MKT ETF-US | 3.01% | 15,650 | $5.1M | Add +0.2% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 2.86% | 109,462 | $4.9M | Add +0.2% |
| META Meta Platforms Inc. Class A | 2.84% | 6,595 | $4.8M | No change |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 2.78% | 22,677 | $4.7M | Reduce -0.5% |
| NVDA Nvidia Corp. | 2.77% | 25,313 | $4.7M | Add +1.1% |
| ABBV Abbvie Inc. | 2.33% | 17,150 | $4.0M | Reduce -2.3% |
| ITOT iShares Core S&P Total U.S. | 2.25% | 26,299 | $3.8M | Add +6.4% |
| COST Costco Wholesale Corp. | 2.10% | 3,871 | $3.6M | Add +107.6% |
| IEMG iShares Core MSCI Emerging | 1.99% | 51,352 | $3.4M | Add +3.5% |
| WMT Walmart Inc. | 1.78% | 29,454 | $3.0M | Add +0.2% |
| LLY Eli Lilly & Co. | 1.65% | 3,679 | $2.8M | Reduce -0.7% |
| IDEV iShares Core MSCI Dev MKTS | 1.43% | 30,469 | $2.4M | Add +5.3% |
| JPM JPMorgan Chase & Co. | 1.30% | 7,001 | $2.2M | Reduce -3.1% |
| CRWD CrowdStrike Holdings Inc. Class A | 1.30% | 4,500 | $2.2M | No change |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 1.19% | 46,999 | $2.0M | Add +0.7% |
| IWD iShares Russell 1000 Value E | 1.10% | 9,177 | $1.9M | Add +7.1% |
| UNH Unitedhealth Group Inc. | 1.06% | 5,225 | $1.8M | Reduce -1.4% |
| DFAX Dimensional World Ex US Core | 0.78% | 42,331 | $1.3M | No change |
| OHI Omega Healthcare Investors | 0.75% | 30,195 | $1.3M | No change |
| ABT Abbott Laboratories | 0.75% | 9,494 | $1.3M | Reduce -2.1% |
| DISV Dimensional International SM | 0.67% | 31,955 | $1.1M | Add +14.9% |
| KO The Coca-Cola Co. | 0.67% | 17,130 | $1.1M | No change |
| VWO Vanguard Ftse Emerging Marke | 0.64% | 20,070 | $1.1M | Add +0.5% |
| IWM iShares Russell 2000 ETF | 0.59% | 4,146 | $1.0M | Add +0.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.54% | 4,958 | $925K | No change |
| DFEM Dimensional Emrg MRKT Core | 0.53% | 27,975 | $897K | Add +0.5% |
| IJR iShares Core S&P Small-Cap E | 0.50% | 7,164 | $851K | Add +0.6% |
| IWN iShares Russell 2000 Value E | 0.49% | 4,690 | $829K | Add +0.4% |
| QCOM Qualcomm Inc. | 0.48% | 4,904 | $816K | Add +0.2% |
| BSVO EA Bridgeway Omni Sm-Cp Val | 0.42% | 31,531 | $714K | Add +33.7% |
| SCZ iShares MSCI Eafe Small-Cap | 0.42% | 9,245 | $709K | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.36% | 1,232 | $619K | Reduce -0.1% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.33% | 13,225 | $566K | No change |
| SCHX Schwab US Large-Cap ETF | 0.31% | 19,886 | $524K | No change |
| TSLA Tesla Inc. | 0.30% | 1,161 | $516K | Add +4.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.30% | 757 | $504K | No change |
| FTEC Fidelity MSCI Info Tech Indx | 0.27% | 2,108 | $468K | No change |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.24% | 4,455 | $409K | New |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.24% | 2,922 | $402K | No change |
| XOM Exxon Mobil Corp. | 0.23% | 3,405 | $384K | No change |
| GL Globe Life Inc. | 0.22% | 2,569 | $367K | Reduce -6.3% |
| GOOGL Alphabet Inc. Class A | 0.20% | 1,423 | $346K | No change |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.20% | 855 | $344K | No change |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | 0.17% | 4,697 | $282K | No change |
| BIV Vanguard Intermediate-Term B | 0.16% | 3,535 | $276K | No change |
| FXL First Trust Technology Alpha | 0.16% | 1,625 | $273K | No change |
| UBER Uber Technologies Inc. | 0.15% | 2,527 | $248K | Add +1.1% |
| CVX Chevron Corp. | 0.13% | 1,440 | $224K | Reduce -12.2% |
| KR Kroger Co. | 0.12% | 3,000 | $202K | New |
Portfolio Sells Q2 2025 → Q3 2025
| LLY Eli Lilly & Co. | Reduce -0.7% | 1.65% | −0.21 |
| DFAC Dimensional US Core Equity 2 | Reduce -0.5% | 6.48% | −0.16 |
| BSX Boston Scientific Corp. | Sold out | 0.00% | −0.14 |
| DFUS Dimensional US Eq MKT ETF | Reduce -0.3% | 6.22% | −0.11 |
| ABT Abbott Laboratories | Reduce -2.1% | 0.75% | −0.10 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -0.5% | 2.78% | −0.09 |
| JPM JPMorgan Chase & Co. | Reduce -3.1% | 1.30% | −0.05 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -0.1% | 0.36% | −0.02 |
| CVX Chevron Corp. | Reduce -12.2% | 0.13% | −0.02 |
| UNH Unitedhealth Group Inc. | Reduce -1.4% | 1.06% | −0.01 |
| GL Globe Life Inc. | Reduce -6.3% | 0.22% | −0.00 |
| ABBV Abbvie Inc. | Reduce -2.3% | 2.33% | +0.23 |
| AAPL Apple Inc. | Reduce -0.0% | 4.23% | +0.49 |
Portfolio Buys Q2 2025 → Q3 2025
| COST Costco Wholesale Corp. | Add +107.6% | 2.10% | +0.91 |
| BIL SS SPDR BB 1-3M T-Bill ETF | New | 0.24% | +0.24 |
| NVDA Nvidia Corp. | Add +1.1% | 2.77% | +0.22 |
| KR Kroger Co. | New | 0.12% | +0.12 |
| BSVO EA Bridgeway Omni Sm-Cp Val | Add +33.7% | 0.42% | +0.11 |
| ITOT iShares Core S&P Total U.S. | Add +6.4% | 2.25% | +0.10 |
| DISV Dimensional International SM | Add +14.9% | 0.67% | +0.08 |
| DFIV Dimensional International Va | Add +4.2% | 3.46% | +0.08 |
| TSLA Tesla Inc. | Add +4.1% | 0.30% | +0.07 |
| IEMG iShares Core MSCI Emerging | Add +3.5% | 1.99% | +0.07 |
| VOO Vanguard S&P 500 ETF | Add +2.9% | 3.08% | +0.03 |
| IWD iShares Russell 1000 Value E | Add +7.1% | 1.10% | +0.02 |
| IDEV iShares Core MSCI Dev MKTS | Add +5.3% | 1.43% | +0.02 |
| IWM iShares Russell 2000 ETF | Add +0.1% | 0.59% | +0.01 |
| IWN iShares Russell 2000 Value E | Add +0.4% | 0.49% | +0.01 |
| VWO Vanguard Ftse Emerging Marke | Add +0.5% | 0.64% | +0.00 |
| IJR iShares Core S&P Small-Cap E | Add +0.6% | 0.50% | −0.00 |
| UBER Uber Technologies Inc. | Add +1.1% | 0.15% | −0.01 |
| DFEM Dimensional Emrg MRKT Core | Add +0.5% | 0.53% | −0.01 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Add +0.7% | 1.19% | −0.02 |
| DFAS Dimensional US Small Cap ETF | Add +1.6% | 3.74% | −0.02 |
| QCOM Qualcomm Inc. | Add +0.2% | 0.48% | −0.02 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.2% | 3.01% | −0.04 |
| WMT Walmart Inc. | Add +0.2% | 1.78% | −0.07 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Add +0.2% | 2.86% | −0.10 |
| DFAT Dimensional US Target Value | Add +0.2% | 9.93% | −0.15 |
| MSFT Microsoft Corp. | Add +0.4% | 3.16% | −0.16 |
| DFUV Dimensional US Marketwide Va | Add +0.8% | 5.44% | −0.17 |
| BSV Vanguard Short-Term Bond ETF | Add +5.2% | 4.92% | −0.20 |
| AMZN Amazon.com Inc. | Add +0.5% | 3.32% | −0.30 |
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 |