Rf&l Wealth Management, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 9, 2026), Rf&l Wealth Management, LLC reported 62 stock positions worth $178.4 million. Its top holding was Dimensional US Target Value (DFAT) at 9.8% of the portfolio, followed by Dimensional US Core Equity 2 (DFAC, 6.3%) and Dimensional US Eq MKT ETF (DFUS, 6.1%). Compared with Q3 2025, it opened 3 new positions, sold out of 1, added to 24 and reduced 23. The biggest buy was Chevron (CVX, shares +439%) and the biggest sale Microsoft (MSFT, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- ACTON, MA
- CIK
- 0001965915
- Portfolio Value
- $178.4M (Q4 2025)
- SEC Filing
- 0001965915-26-000001 ↗ filed Jan 9, 2026
Holdings Value
Holdings 62 stocks · $178.4M
| DFAT Dimensional US Target Value | 9.75% | 292,219 | $17.4M | Add +0.6% |
| DFAC Dimensional US Core Equity 2 | 6.32% | 284,805 | $11.3M | Reduce -0.5% |
| DFUS Dimensional US Eq MKT ETF | 6.08% | 146,276 | $10.8M | Reduce -0.1% |
| DFUV Dimensional US Marketwide Va | 5.34% | 204,461 | $9.5M | Reduce -1.5% |
| BSV Vanguard Short-Term Bond ETF | 4.90% | 110,905 | $8.7M | Add +4.5% |
| AAPL Apple Inc. | 4.27% | 28,019 | $7.6M | Reduce -0.9% |
| DFAS Dimensional US Small Cap ETF | 3.63% | 93,068 | $6.5M | Reduce -0.1% |
| DFIV Dimensional International Va | 3.61% | 129,106 | $6.4M | Add +1.0% |
| AMZN Amazon.com Inc. | 3.33% | 25,759 | $5.9M | Add +0.1% |
| META Meta Platforms Inc. Class A | 3.10% | 8,385 | $5.5M | Add +27.1% |
| VOO Vanguard S&P 500 ETF | 3.10% | 8,818 | $5.5M | Add +3.0% |
| VTI VG Morningstar TS MKT ETF-US | 2.93% | 15,606 | $5.2M | Reduce -0.3% |
| MSFT Microsoft Corp. | 2.81% | 10,371 | $5.0M | Reduce -0.2% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 2.71% | 22,823 | $4.8M | Add +0.6% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 2.69% | 107,892 | $4.8M | Reduce -1.4% |
| NVDA Nvidia Corp. | 2.64% | 25,283 | $4.7M | Reduce -0.1% |
| ITOT iShares Core S&P Total U.S. | 2.31% | 27,704 | $4.1M | Add +5.3% |
| ABBV Abbvie Inc. | 2.18% | 17,006 | $3.9M | Reduce -0.8% |
| LLY Eli Lilly & Co. | 2.13% | 3,530 | $3.8M | Reduce -4.0% |
| IEMG iShares Core MSCI Emerging | 1.94% | 51,487 | $3.5M | Add +0.3% |
| COST Costco Wholesale Corp. | 1.87% | 3,865 | $3.3M | Reduce -0.1% |
| WMT Walmart Inc. | 1.84% | 29,509 | $3.3M | Add +0.2% |
| IDEV iShares Core MSCI Dev MKTS | 1.44% | 31,079 | $2.6M | Add +2.0% |
| JPM JPMorgan Chase & Co. | 1.26% | 7,000 | $2.3M | Reduce -0.0% |
| CRWD CrowdStrike Holdings Inc. Class A | 1.18% | 4,500 | $2.1M | No change |
| IWD iShares Russell 1000 Value E | 1.11% | 9,409 | $2.0M | Add +2.5% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 1.11% | 43,674 | $2.0M | Reduce -7.1% |
| UNH Unitedhealth Group Inc. | 0.95% | 5,114 | $1.7M | Reduce -2.1% |
| DFAX Dimensional World Ex US Core | 0.78% | 42,331 | $1.4M | No change |
| OHI Omega Healthcare Investors | 0.77% | 30,796 | $1.4M | Add +2.0% |
| DISV Dimensional International SM | 0.70% | 32,845 | $1.2M | Add +2.8% |
| KO The Coca-Cola Co. | 0.67% | 17,130 | $1.2M | No change |
| ABT Abbott Laboratories | 0.67% | 9,494 | $1.2M | No change |
| CVX Chevron Corp. | 0.66% | 7,760 | $1.2M | Add +438.9% |
| VWO Vanguard Ftse Emerging Marke | 0.61% | 20,213 | $1.1M | Add +0.7% |
| IWM iShares Russell 2000 ETF | 0.56% | 4,059 | $999K | Reduce -2.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.54% | 5,018 | $958K | Add +1.2% |
| DFEM Dimensional Emrg MRKT Core | 0.53% | 28,725 | $950K | Add +2.7% |
| BSVO EA Bridgeway Omni Sm-Cp Val | 0.50% | 38,641 | $900K | Add +22.6% |
| IJR iShares Core S&P Small-Cap E | 0.49% | 7,314 | $879K | Add +2.1% |
| IWN iShares Russell 2000 Value E | 0.48% | 4,690 | $850K | No change |
| QCOM Qualcomm Inc. | 0.47% | 4,906 | $839K | Add +0.0% |
| NFLX Netflix Inc. | 0.45% | 8,532 | $800K | New |
| SCZ iShares MSCI Eafe Small-Cap | 0.40% | 9,248 | $717K | Add +0.0% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.35% | 1,232 | $619K | No change |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.33% | 13,170 | $585K | Reduce -0.4% |
| GL Globe Life Inc. | 0.31% | 3,903 | $546K | Add +51.9% |
| SCHX Schwab US Large-Cap ETF | 0.30% | 19,961 | $537K | Add +0.4% |
| TSLA Tesla Inc. | 0.29% | 1,152 | $518K | Reduce -0.8% |
| FTEC Fidelity MSCI Info Tech Indx | 0.27% | 2,108 | $474K | No change |
| PFE Pfizer Inc. | 0.26% | 18,500 | $461K | New |
| GOOGL Alphabet Inc. Class A | 0.24% | 1,373 | $430K | Reduce -3.5% |
| SO The Southern Co. | 0.24% | 4,852 | $423K | New |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.23% | 607 | $414K | Reduce -19.8% |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.23% | 2,922 | $412K | No change |
| XOM Exxon Mobil Corp. | 0.23% | 3,405 | $410K | No change |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.20% | 855 | $353K | No change |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.17% | 3,305 | $302K | Reduce -25.8% |
| SNPE Xtrckr S&P 500 Scor&scrn ETF | 0.16% | 4,697 | $293K | No change |
| FXL First Trust Technology Alpha | 0.15% | 1,625 | $273K | No change |
| BIV Vanguard Intermediate-Term B | 0.13% | 2,935 | $229K | Reduce -17.0% |
| UBER Uber Technologies Inc. | 0.11% | 2,500 | $204K | Reduce -1.1% |
Portfolio Sells Q3 2025 → Q4 2025
| MSFT Microsoft Corp. | Reduce -0.2% | 2.81% | −0.35 |
| COST Costco Wholesale Corp. | Reduce -0.1% | 1.87% | −0.24 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -1.4% | 2.69% | −0.17 |
| DFAC Dimensional US Core Equity 2 | Reduce -0.5% | 6.32% | −0.16 |
| ABBV Abbvie Inc. | Reduce -0.8% | 2.18% | −0.15 |
| DFUS Dimensional US Eq MKT ETF | Reduce -0.1% | 6.08% | −0.14 |
| NVDA Nvidia Corp. | Reduce -0.1% | 2.64% | −0.13 |
| KR Kroger Co. | Sold out | 0.00% | −0.12 |
| UNH Unitedhealth Group Inc. | Reduce -2.1% | 0.95% | −0.11 |
| DFAS Dimensional US Small Cap ETF | Reduce -0.1% | 3.63% | −0.11 |
| DFUV Dimensional US Marketwide Va | Reduce -1.5% | 5.34% | −0.11 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -0.3% | 2.93% | −0.08 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Reduce -7.1% | 1.11% | −0.08 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -25.8% | 0.17% | −0.07 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -19.8% | 0.23% | −0.06 |
| BIV Vanguard Intermediate-Term B | Reduce -17.0% | 0.13% | −0.03 |
| JPM JPMorgan Chase & Co. | Reduce -0.0% | 1.26% | −0.03 |
| UBER Uber Technologies Inc. | Reduce -1.1% | 0.11% | −0.03 |
| IWM iShares Russell 2000 ETF | Reduce -2.1% | 0.56% | −0.03 |
| TSLA Tesla Inc. | Reduce -0.8% | 0.29% | −0.01 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -0.4% | 0.33% | −0.00 |
| GOOGL Alphabet Inc. Class A | Reduce -3.5% | 0.24% | +0.04 |
| AAPL Apple Inc. | Reduce -0.9% | 4.27% | +0.04 |
| LLY Eli Lilly & Co. | Reduce -4.0% | 2.13% | +0.48 |
Portfolio Buys Q3 2025 → Q4 2025
| CVX Chevron Corp. | Add +438.9% | 0.66% | +0.53 |
| NFLX Netflix Inc. | New | 0.45% | +0.45 |
| META Meta Platforms Inc. Class A | Add +27.1% | 3.10% | +0.26 |
| PFE Pfizer Inc. | New | 0.26% | +0.26 |
| SO The Southern Co. | New | 0.24% | +0.24 |
| DFIV Dimensional International Va | Add +1.0% | 3.61% | +0.15 |
| GL Globe Life Inc. | Add +51.9% | 0.31% | +0.09 |
| BSVO EA Bridgeway Omni Sm-Cp Val | Add +22.6% | 0.50% | +0.09 |
| WMT Walmart Inc. | Add +0.2% | 1.84% | +0.06 |
| ITOT iShares Core S&P Total U.S. | Add +5.3% | 2.31% | +0.06 |
| DISV Dimensional International SM | Add +2.8% | 0.70% | +0.03 |
| VOO Vanguard S&P 500 ETF | Add +3.0% | 3.10% | +0.02 |
| OHI Omega Healthcare Investors | Add +2.0% | 0.77% | +0.02 |
| AMZN Amazon.com Inc. | Add +0.1% | 3.33% | +0.02 |
| IWD iShares Russell 1000 Value E | Add +2.5% | 1.11% | +0.01 |
| DFEM Dimensional Emrg MRKT Core | Add +2.7% | 0.53% | +0.01 |
| IDEV iShares Core MSCI Dev MKTS | Add +2.0% | 1.44% | +0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +1.2% | 0.54% | −0.01 |
| SCHX Schwab US Large-Cap ETF | Add +0.4% | 0.30% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Add +2.1% | 0.49% | −0.01 |
| QCOM Qualcomm Inc. | Add +0.0% | 0.47% | −0.01 |
| SCZ iShares MSCI Eafe Small-Cap | Add +0.0% | 0.40% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Add +4.5% | 4.90% | −0.02 |
| VWO Vanguard Ftse Emerging Marke | Add +0.7% | 0.61% | −0.03 |
| IEMG iShares Core MSCI Emerging | Add +0.3% | 1.94% | −0.05 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +0.6% | 2.71% | −0.07 |
| DFAT Dimensional US Target Value | Add +0.6% | 9.75% | −0.18 |
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 |