Rinkey Investments
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 14, 2025), Rinkey Investments reported 90 stock positions worth $312.5 million. Its top holding was iShares Treasury Floating Ra (TFLO) at 14.1% of the portfolio, followed by SS SPDR P S&P 1500 Comp ETF (SPTM, 9.0%) and Ste STR SPDR PT DW Eu ETF (SPDW, 8.2%). Compared with Q3 2024, it opened 17 new positions, sold out of 7, added to 41 and reduced 22. The biggest buy was Vanguard Ftse Developed ETF (VEA, shares +102%) and the biggest sale State Street SP PTF Em ETF (SPEM, shares −37%).
- Most Recent 13F
- Q2 2026
- Location
- San Diego, CA
- CIK
- 0001730774
- Portfolio Value
- $312.5M (Q4 2024)
- SEC Filing
- 0001172661-25-001073 ↗ filed Feb 14, 2025
Holdings Value
Holdings 90 stocks · $312.5M
| TFLO iShares Treasury Floating Ra | 14.10% | 873,019 | $44.1M | Reduce -0.6% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 8.98% | 392,830 | $28.1M | Reduce -0.4% |
| SPDW Ste STR SPDR PT DW Eu ETF | 8.18% | 748,816 | $25.6M | Reduce -1.3% |
| SPAB SS SPDR P Agg Bond ETF | 4.56% | 570,433 | $14.3M | Reduce -2.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 4.23% | 78,059 | $13.2M | Add +9.1% |
| MUB iShares National Muni Bond E | 4.03% | 118,085 | $12.6M | Reduce -0.7% |
| VEA Vanguard Ftse Developed ETF | 3.86% | 251,958 | $12.0M | Add +102.2% |
| IEI iShares 3-7 Year Treasury Bo | 3.52% | 95,106 | $11.0M | Add +1.6% |
| BNDX Vanguard Total Intl Bond ETF | 3.41% | 217,168 | $10.7M | Add +2.9% |
| CMF iShares California Muni Bond | 3.31% | 180,689 | $10.3M | Reduce -8.5% |
| VTI VG Morningstar TS MKT ETF-US | 3.20% | 34,517 | $10.0M | Reduce -1.8% |
| SPTS SS SPDR P St Term TSY ETF | 3.13% | 337,730 | $9.8M | Add +7.3% |
| VB Vanguard Most SM-Cap ETF-Usd | 2.86% | 37,203 | $8.9M | Add +8.7% |
| EMB iShares JP Morgan Usd Emergi | 2.52% | 88,481 | $7.9M | Reduce -1.8% |
| VUG Vanguard Mrngstar GR ETF-Sui | 2.38% | 18,102 | $7.4M | Add +1.8% |
| VWO Vanguard Ftse Emerging Marke | 2.37% | 168,329 | $7.4M | Reduce -19.9% |
| VGLT Vanguard Long-Term Treasury | 1.82% | 103,013 | $5.7M | Add +15.4% |
| SPEM State Street SP PTF Em ETF | 1.73% | 140,528 | $5.4M | Reduce -37.1% |
| AAPL Apple Inc. | 1.67% | 20,801 | $5.2M | Add +1.4% |
| IVV iShares Core S&P 500 ETF | 1.34% | 7,114 | $4.2M | Add +0.4% |
| IEFA iShares Core MSCI Eafe ETF | 1.13% | 50,383 | $3.5M | No change |
| IWD iShares Russell 1000 Value E | 1.06% | 17,841 | $3.3M | Reduce -9.4% |
| MSFT Microsoft Corp. | 0.78% | 5,800 | $2.4M | Add +47.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.76% | 5,271 | $2.4M | Add +26.8% |
| COST Costco Wholesale Corp. | 0.74% | 2,515 | $2.3M | Add +1.4% |
| SPIB SS SPDR P Int C Corp. ETF | 0.72% | 68,720 | $2.3M | Add +63.0% |
| SPIP SS SPDR P Tips ETF | 0.72% | 88,831 | $2.2M | Add +2.1% |
| PGR Progressive Corp. | 0.65% | 8,537 | $2.0M | Add +34.9% |
| TMUS T-Mobile US Inc. | 0.62% | 8,728 | $1.9M | Add +45.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.60% | 3,207 | $1.9M | Add +5.0% |
| VCIT Vanguard Int-Term Corporate | 0.59% | 22,998 | $1.8M | Add +80.3% |
| VTIP Vanguard Short-Term Tips | 0.58% | 37,737 | $1.8M | Reduce -10.3% |
| VGT Vanguard Info Tech ETF | 0.44% | 2,232 | $1.4M | Reduce -11.4% |
| AMZN Amazon.com Inc. | 0.42% | 5,949 | $1.3M | Add +5.8% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.40% | 19,909 | $1.3M | Reduce -0.4% |
| ACN Accenture PLC Class A | 0.39% | 3,499 | $1.2M | Add +70.1% |
| BN Brookfield Corp. | 0.39% | 21,405 | $1.2M | Add +70.6% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.37% | 22,277 | $1.2M | Reduce -38.0% |
| BND Vanguard Total Bond Market | 0.36% | 15,654 | $1.1M | Add +50.7% |
| IBIT iShares Bitcoin Trust ETF | 0.31% | 18,408 | $977K | Add +41.5% |
| SYK Stryker Corp. | 0.31% | 2,712 | $976K | Add +1.1% |
| GOOGL Alphabet Inc. Class A | 0.28% | 4,655 | $881K | Add +11.5% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.28% | 3,941 | $866K | Add +2.1% |
| XOM Exxon Mobil Corp. | 0.27% | 7,811 | $840K | Add +35.6% |
| AGG iShares Core U.S. Aggregate | 0.27% | 8,587 | $832K | Add +1.0% |
| ORCL Oracle Corp. | 0.26% | 4,872 | $812K | Add +115.9% |
| VOO Vanguard S&P 500 ETF | 0.25% | 1,435 | $773K | Add +4.6% |
| NVDA Nvidia Corp. | 0.25% | 5,742 | $771K | Add +42.2% |
| PANW Palo Alto Networks Inc. | 0.23% | 4,030 | $733K | New |
| JNJ Johnson & Johnson | 0.20% | 4,377 | $633K | Add +35.2% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.19% | 2,066 | $579K | Add +15.0% |
| OKE Oneok Inc. | 0.18% | 5,600 | $562K | Reduce -0.6% |
| GLD SPDR Gold Shares | 0.18% | 2,317 | $561K | Reduce -4.3% |
| SCHP Schwab U.S. Tips ETF | 0.17% | 21,042 | $544K | No change |
| NVG Nuveen Amt-FR Muni CRDT | 0.16% | 41,400 | $508K | No change |
| NZF Nuveen Municipal Credit Inc. | 0.16% | 40,925 | $498K | No change |
| FBND Fidelity Total Bond ETF | 0.16% | 11,087 | $497K | New |
| BYM BlackRock Muni Inc. QLTY | 0.15% | 44,500 | $483K | No change |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.15% | 2,392 | $474K | No change |
| LENZ Lenz Therapeutics Inc. | 0.14% | 15,186 | $438K | No change |
| GOVT iShares US Treasury Bond ETF | 0.13% | 18,307 | $421K | Reduce -7.9% |
| IBTF iShares Ibonds Dec 2025 Term | 0.13% | 17,366 | $405K | New |
| PLTR Palantir Technologies Inc. Class A | 0.11% | 4,675 | $354K | Reduce -36.8% |
| TSLA Tesla Inc. | 0.11% | 860 | $347K | Add +3.5% |
| ET Energy Transfer LP | 0.11% | 17,376 | $340K | New |
| USHY iShares Broad Usd High Yield | 0.11% | 9,000 | $331K | New |
| SOXX iShares Semiconductor ETF | 0.10% | 1,497 | $323K | Add +7.2% |
| HON Honeywell International Inc. | 0.10% | 1,339 | $302K | New |
| SCHX Schwab US Large-Cap ETF | 0.10% | 12,970 | $301K | Reduce -2.8% |
| VGSH Vanguard Short-Term Treasury | 0.10% | 5,167 | $301K | Add +9.2% |
| O Realty Income Corp. | 0.09% | 5,282 | $282K | Add +17.3% |
| GOOG Alphabet Inc. Class C | 0.09% | 1,481 | $282K | Add +15.7% |
| TRIN Trinity Capital Inc. | 0.09% | 19,310 | $279K | Add +90.2% |
| GPK Graphic Packaging Holding Co. | 0.09% | 10,275 | $279K | New |
| NFLX Netflix Inc. | 0.08% | 295 | $263K | New |
| AVY Avery Dennison Corp. | 0.08% | 1,357 | $254K | New |
| PFE Pfizer Inc. | 0.08% | 9,191 | $244K | Add +24.7% |
| VIG Vanguard Dividend Apprec ETF | 0.08% | 1,230 | $241K | Reduce -28.9% |
| REGN Regeneron Pharmaceuticals | 0.07% | 321 | $229K | New |
| TYA Simplify Intermediate Term | 0.07% | 18,000 | $221K | No change |
| SPSB SS SPDR P St C Corp. ETF | 0.07% | 7,348 | $219K | No change |
| CTVA Corteva Inc. | 0.07% | 3,782 | $215K | New |
| CSX CSX Corp. | 0.07% | 6,660 | $215K | New |
| EQT Eqt Corp. | 0.07% | 4,500 | $207K | New |
| BA The Boeing Co. | 0.07% | 1,170 | $207K | New |
| KR Kroger Co. | 0.07% | 3,367 | $206K | New |
| LLY Eli Lilly & Co. | 0.07% | 265 | $205K | New |
| POOL Pool Corp. | 0.07% | 598 | $204K | No change |
| BFLY Butterfly Network Inc. | 0.04% | 41,050 | $128K | Reduce -5.7% |
| MSOS Advisorshares Pure US Cann | 0.02% | 18,975 | $72K | New |
Portfolio Sells Q3 2024 → Q4 2024
| SPEM State Street SP PTF Em ETF | Reduce -37.1% | 1.73% | −1.26 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -1.3% | 8.18% | −1.05 |
| VWO Vanguard Ftse Emerging Marke | Reduce -19.9% | 2.37% | −0.88 |
| QQQ Invesco QQQ Trust Series 1 | Sold out | 0.00% | −0.59 |
| CMF iShares California Muni Bond | Reduce -8.5% | 3.31% | −0.40 |
| SPAB SS SPDR P Agg Bond ETF | Reduce -2.1% | 4.56% | −0.37 |
| TFLO iShares Treasury Floating Ra | Reduce -0.6% | 14.10% | −0.29 |
| TGT Target Corp. | Sold out | 0.00% | −0.26 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -38.0% | 0.37% | −0.24 |
| EMB iShares JP Morgan Usd Emergi | Reduce -1.8% | 2.52% | −0.21 |
| TRV The Travelers Cos Inc. | Sold out | 0.00% | −0.20 |
| MUB iShares National Muni Bond E | Reduce -0.7% | 4.03% | −0.16 |
| IWD iShares Russell 1000 Value E | Reduce -9.4% | 1.06% | −0.15 |
| VTIP Vanguard Short-Term Tips | Reduce -10.3% | 0.58% | −0.09 |
| HUDSON PAC PPTYS INC | Sold out | 0.00% | −0.07 |
| TLT iShares 20+ Year Treasury BD | Sold out | 0.00% | −0.07 |
| VGT Vanguard Info Tech ETF | Reduce -11.4% | 0.44% | −0.03 |
| VIG Vanguard Dividend Apprec ETF | Reduce -28.9% | 0.08% | −0.03 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -0.4% | 0.40% | −0.03 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -1.8% | 3.20% | −0.02 |
| GOVT iShares US Treasury Bond ETF | Reduce -7.9% | 0.13% | −0.02 |
| BCAB Bioatla Inc. | Sold out | 0.00% | −0.01 |
| GLD SPDR Gold Shares | Reduce -4.3% | 0.18% | −0.01 |
| LODE Comstock Inc. | Sold out | 0.00% | −0.00 |
| SCHX Schwab US Large-Cap ETF | Reduce -2.8% | 0.10% | −0.00 |
| OKE Oneok Inc. | Reduce -0.6% | 0.18% | +0.01 |
| BFLY Butterfly Network Inc. | Reduce -5.7% | 0.04% | +0.02 |
| PLTR Palantir Technologies Inc. Class A | Reduce -36.8% | 0.11% | +0.02 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -0.4% | 8.98% | +0.03 |
Portfolio Buys Q3 2024 → Q4 2024
| VEA Vanguard Ftse Developed ETF | Add +102.2% | 3.86% | +1.73 |
| SPIB SS SPDR P Int C Corp. ETF | Add +63.0% | 0.72% | +0.26 |
| VCIT Vanguard Int-Term Corporate | Add +80.3% | 0.59% | +0.24 |
| MSFT Microsoft Corp. | Add +47.6% | 0.78% | +0.23 |
| PANW Palo Alto Networks Inc. | New | 0.23% | +0.23 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +8.7% | 2.86% | +0.23 |
| TMUS T-Mobile US Inc. | Add +45.0% | 0.62% | +0.21 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +9.1% | 4.23% | +0.19 |
| BN Brookfield Corp. | Add +70.6% | 0.39% | +0.18 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +1.8% | 2.38% | +0.17 |
| IBIT iShares Bitcoin Trust ETF | Add +41.5% | 0.31% | +0.16 |
| FBND Fidelity Total Bond ETF | New | 0.16% | +0.16 |
| ACN Accenture PLC Class A | Add +70.1% | 0.39% | +0.16 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +26.8% | 0.76% | +0.15 |
| SPTS SS SPDR P St Term TSY ETF | Add +7.3% | 3.13% | +0.14 |
| ORCL Oracle Corp. | Add +115.9% | 0.26% | +0.14 |
| PGR Progressive Corp. | Add +34.9% | 0.65% | +0.13 |
| IBTF iShares Ibonds Dec 2025 Term | New | 0.13% | +0.13 |
| AAPL Apple Inc. | Add +1.4% | 1.67% | +0.12 |
| ET Energy Transfer LP | New | 0.11% | +0.11 |
| BND Vanguard Total Bond Market | Add +50.7% | 0.36% | +0.11 |
| USHY iShares Broad Usd High Yield | New | 0.11% | +0.11 |
| HON Honeywell International Inc. | New | 0.10% | +0.10 |
| GPK Graphic Packaging Holding Co. | New | 0.09% | +0.09 |
| NVDA Nvidia Corp. | Add +42.2% | 0.25% | +0.09 |
| NFLX Netflix Inc. | New | 0.08% | +0.08 |
| AVY Avery Dennison Corp. | New | 0.08% | +0.08 |
| AMZN Amazon.com Inc. | Add +5.8% | 0.42% | +0.08 |
| REGN Regeneron Pharmaceuticals | New | 0.07% | +0.07 |
| CTVA Corteva Inc. | New | 0.07% | +0.07 |
| CSX CSX Corp. | New | 0.07% | +0.07 |
| EQT Eqt Corp. | New | 0.07% | +0.07 |
| BA The Boeing Co. | New | 0.07% | +0.07 |
| KR Kroger Co. | New | 0.07% | +0.07 |
| LLY Eli Lilly & Co. | New | 0.07% | +0.07 |
| GOOGL Alphabet Inc. Class A | Add +11.5% | 0.28% | +0.06 |
| XOM Exxon Mobil Corp. | Add +35.6% | 0.27% | +0.05 |
| VGLT Vanguard Long-Term Treasury | Add +15.4% | 1.82% | +0.05 |
| TRIN Trinity Capital Inc. | Add +90.2% | 0.09% | +0.04 |
| TSLA Tesla Inc. | Add +3.5% | 0.11% | +0.04 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +5.0% | 0.60% | +0.03 |
| JNJ Johnson & Johnson | Add +35.2% | 0.20% | +0.03 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Add +15.0% | 0.19% | +0.03 |
| COST Costco Wholesale Corp. | Add +1.4% | 0.74% | +0.03 |
| MSOS Advisorshares Pure US Cann | New | 0.02% | +0.02 |
| GOOG Alphabet Inc. Class C | Add +15.7% | 0.09% | +0.02 |
| IVV iShares Core S&P 500 ETF | Add +0.4% | 1.34% | +0.02 |
| VOO Vanguard S&P 500 ETF | Add +4.6% | 0.25% | +0.01 |
| PFE Pfizer Inc. | Add +24.7% | 0.08% | +0.01 |
| VGSH Vanguard Short-Term Treasury | Add +9.2% | 0.10% | +0.01 |
Notes & Other Activity Q3 2024 → Q4 2024
| LDTDF Prospector Leddartech Alm-28 | *W EXP 12/21/202 | Sold out | 25,505 | $681before exit |
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 128 | $424.8M | TFLO, SPTM, SPDW, VEA, BNDX |
| Q1 2026 | 125 | $391.0M | TFLO, SPDW, SPTM, BNDX, VEA |
| Q4 2025 | 129 | $393.8M | TFLO, BNDX, SPDW, SPTM, VEA |
| Q3 2025 | 126 | $376.9M | TFLO, SPDW, SPTM, VEA, VTV |
| Q2 2025 | 100 | $332.8M | TFLO, SPDW, SPTM, VEA, VTV |
| Q1 2025 | 95 | $315.7M | TFLO, SPTM, SPDW, MUB, VEA |
| Q4 2024 | 90 | $312.5M | TFLO, SPTM, SPDW, SPAB, VTV |
| Q3 2024 | 80 | $309.0M | TFLO, SPDW, SPTM, SPAB, MUB |
| Q2 2024 | 71 | $278.3M | TFLO, SPTM, SPDW, SPAB, MUB |
| Q1 2024 | 71 | $274.4M | TFLO, SPTM, SPDW, SPAB, MUB |