Rinkey Investments
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed May 15, 2025), Rinkey Investments reported 95 stock positions worth $315.7 million. Its top holding was iShares Treasury Floating Ra (TFLO) at 13.2% of the portfolio, followed by SS SPDR P S&P 1500 Comp ETF (SPTM, 8.3%) and Ste STR SPDR PT DW Eu ETF (SPDW, 8.2%). Compared with Q4 2024, it opened 14 new positions, sold out of 9, added to 23 and reduced 36. The biggest buy was iShares National Muni Bond E (MUB, shares +45%) and the biggest sale iShares California Muni Bond (CMF, shares −51%).
- Most Recent 13F
- Q2 2026
- Location
- San Diego, CA
- CIK
- 0001730774
- Portfolio Value
- $315.7M (Q1 2025)
- SEC Filing
- 0001172661-25-002155 ↗ filed May 15, 2025
Holdings Value
Holdings 95 stocks · $315.7M
| TFLO iShares Treasury Floating Ra | 13.17% | 820,615 | $41.6M | Reduce -6.0% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 8.27% | 383,651 | $26.1M | Reduce -2.3% |
| SPDW Ste STR SPDR PT DW Eu ETF | 8.16% | 707,086 | $25.7M | Reduce -5.6% |
| MUB iShares National Muni Bond E | 5.72% | 171,248 | $18.1M | Add +45.0% |
| VEA Vanguard Ftse Developed ETF | 5.12% | 317,853 | $16.2M | Add +26.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 4.96% | 90,546 | $15.6M | Add +16.0% |
| SPAB SS SPDR P Agg Bond ETF | 4.52% | 558,146 | $14.3M | Reduce -2.1% |
| BNDX Vanguard Total Intl Bond ETF | 4.05% | 262,133 | $12.8M | Add +20.7% |
| IEI iShares 3-7 Year Treasury Bo | 3.56% | 95,148 | $11.2M | Add +0.0% |
| SPTS SS SPDR P St Term TSY ETF | 3.54% | 382,240 | $11.2M | Add +13.2% |
| VTI VG Morningstar TS MKT ETF-US | 2.75% | 31,602 | $8.7M | Reduce -8.4% |
| EMB iShares JP Morgan Usd Emergi | 2.46% | 85,754 | $7.8M | Reduce -3.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 2.37% | 20,131 | $7.5M | Add +11.2% |
| VB Vanguard Most SM-Cap ETF-Usd | 2.31% | 32,880 | $7.3M | Reduce -11.6% |
| VGLT Vanguard Long-Term Treasury | 2.20% | 120,485 | $6.9M | Add +17.0% |
| CMF iShares California Muni Bond | 1.57% | 88,171 | $5.0M | Reduce -51.2% |
| SPEM State Street SP PTF Em ETF | 1.46% | 116,941 | $4.6M | Reduce -16.8% |
| AAPL Apple Inc. | 1.39% | 19,746 | $4.4M | Reduce -5.1% |
| IVV iShares Core S&P 500 ETF | 1.27% | 7,108 | $4.0M | Reduce -0.1% |
| IEFA iShares Core MSCI Eafe ETF | 1.21% | 50,383 | $3.8M | No change |
| VWO Vanguard Ftse Emerging Marke | 1.18% | 82,222 | $3.7M | Reduce -51.1% |
| VCIT Vanguard Int-Term Corporate | 0.99% | 38,106 | $3.1M | Add +65.7% |
| IWD iShares Russell 1000 Value E | 0.93% | 15,678 | $2.9M | Reduce -12.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.89% | 5,256 | $2.8M | Reduce -0.3% |
| PGR Progressive Corp. | 0.77% | 8,537 | $2.4M | No change |
| SPIB SS SPDR P Int C Corp. ETF | 0.76% | 71,748 | $2.4M | Add +4.4% |
| TMUS T-Mobile US Inc. | 0.73% | 8,692 | $2.3M | Reduce -0.4% |
| MSFT Microsoft Corp. | 0.70% | 5,855 | $2.2M | Add +0.9% |
| SPIP SS SPDR P Tips ETF | 0.67% | 79,565 | $2.1M | Reduce -10.4% |
| BND Vanguard Total Bond Market | 0.66% | 28,152 | $2.1M | Add +79.8% |
| SCHA Schwab US Small-Cap ETF | 0.64% | 86,323 | $2.0M | New |
| COST Costco Wholesale Corp. | 0.63% | 2,100 | $2.0M | Reduce -16.5% |
| VTIP Vanguard Short-Term Tips | 0.52% | 32,987 | $1.6M | Reduce -12.6% |
| SCHV Schwab US Large-Cap Value | 0.50% | 59,959 | $1.6M | New |
| VWOB Vanguard Emerg MKTS Gov BND | 0.40% | 19,870 | $1.3M | Reduce -0.2% |
| VGT Vanguard Info Tech ETF | 0.38% | 2,222 | $1.2M | Reduce -0.5% |
| BN Brookfield Corp. | 0.36% | 21,405 | $1.1M | No change |
| AMZN Amazon.com Inc. | 0.35% | 5,758 | $1.1M | Reduce -3.2% |
| ACN Accenture PLC Class A | 0.34% | 3,479 | $1.1M | Reduce -0.6% |
| SYK Stryker Corp. | 0.32% | 2,712 | $1.0M | No change |
| AGG iShares Core U.S. Aggregate | 0.31% | 9,986 | $988K | Add +16.3% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.31% | 3,926 | $976K | Reduce -0.4% |
| XOM Exxon Mobil Corp. | 0.29% | 7,811 | $929K | No change |
| IBTF iShares Ibonds Dec 2025 Term | 0.26% | 35,246 | $824K | Add +103.0% |
| OCGN Ocugen Inc. | 0.26% | 1,164,506 | $822K | New |
| VOO Vanguard S&P 500 ETF | 0.25% | 1,521 | $781K | Add +6.0% |
| JNJ Johnson & Johnson | 0.23% | 4,333 | $719K | Reduce -1.0% |
| ORCL Oracle Corp. | 0.21% | 4,837 | $676K | Reduce -0.7% |
| GLD SPDR Gold Shares | 0.21% | 2,317 | $668K | No change |
| IBIT iShares Bitcoin Trust ETF | 0.20% | 13,627 | $638K | Reduce -26.0% |
| SCHP Schwab U.S. Tips ETF | 0.20% | 23,123 | $622K | Add +9.9% |
| VGSH Vanguard Short-Term Treasury | 0.19% | 10,469 | $614K | Add +102.6% |
| NVDA Nvidia Corp. | 0.18% | 5,376 | $583K | Reduce -6.4% |
| OKE Oneok Inc. | 0.18% | 5,630 | $559K | Add +0.5% |
| FBND Fidelity Total Bond ETF | 0.17% | 11,639 | $531K | Add +5.0% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.16% | 2,066 | $520K | No change |
| NVG Nuveen Amt-FR Muni CRDT | 0.16% | 41,400 | $513K | No change |
| NZF Nuveen Municipal Credit Inc. | 0.16% | 40,925 | $501K | No change |
| BYM BlackRock Muni Inc. QLTY | 0.15% | 44,500 | $480K | No change |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.14% | 2,392 | $446K | No change |
| GOVT iShares US Treasury Bond ETF | 0.13% | 18,309 | $421K | Add +0.0% |
| IGIB iShares 5-10Y Inv Grade Corp. | 0.13% | 7,966 | $418K | New |
| LENZ Lenz Therapeutics Inc. | 0.12% | 15,186 | $390K | No change |
| GOOGL Alphabet Inc. Class A | 0.12% | 2,489 | $385K | Reduce -46.5% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.11% | 4,580 | $361K | New |
| PANW Palo Alto Networks Inc. | 0.11% | 2,030 | $346K | Reduce -49.6% |
| USHY iShares Broad Usd High Yield | 0.10% | 9,000 | $331K | No change |
| ET Energy Transfer LP | 0.10% | 17,376 | $323K | No change |
| TRIN Trinity Capital Inc. | 0.10% | 20,485 | $311K | Add +6.1% |
| XLV SS Health Care Select Sector | 0.10% | 2,065 | $302K | New |
| FXI iShares China Large-Cap ETF | 0.09% | 8,071 | $289K | New |
| SCHX Schwab US Large-Cap ETF | 0.09% | 12,943 | $286K | Reduce -0.2% |
| HON Honeywell International Inc. | 0.09% | 1,324 | $280K | Reduce -1.1% |
| SOXX iShares Semiconductor ETF | 0.09% | 1,472 | $277K | Reduce -1.7% |
| SCHG Schwab US Large-Cap Growth | 0.09% | 10,946 | $274K | New |
| SCHB Schwab US Broad Market ETF | 0.09% | 12,594 | $271K | New |
| NFLX Netflix Inc. | 0.08% | 287 | $268K | Reduce -2.7% |
| GPK Graphic Packaging Holding Co. | 0.08% | 10,275 | $267K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.08% | 456 | $255K | Reduce -85.8% |
| VGK Vanguard Ftse Europe ETF | 0.08% | 3,515 | $247K | New |
| SHY iShares 1-3 Year Treasury Bo | 0.08% | 2,945 | $244K | New |
| AVY Avery Dennison Corp. | 0.08% | 1,357 | $242K | No change |
| SPSB SS SPDR P St C Corp. ETF | 0.08% | 7,952 | $239K | Add +8.2% |
| VIG Vanguard Dividend Apprec ETF | 0.08% | 1,230 | $239K | No change |
| TYA Simplify Intermediate Term | 0.08% | 18,000 | $238K | No change |
| CTVA Corteva Inc. | 0.08% | 3,780 | $238K | Reduce -0.1% |
| IAU iShares Gold Trust | 0.07% | 3,925 | $231K | New |
| GOOG Alphabet Inc. Class C | 0.07% | 1,481 | $231K | No change |
| KR Kroger Co. | 0.07% | 3,367 | $228K | No change |
| TSLA Tesla Inc. | 0.07% | 852 | $221K | Reduce -0.9% |
| LLY Eli Lilly & Co. | 0.07% | 265 | $219K | No change |
| REGN Regeneron Pharmaceuticals | 0.06% | 321 | $204K | No change |
| WOR Worthington Enterprises Inc. | 0.06% | 3,994 | $200K | New |
| CLPT Clearpoint Neuro Inc. | 0.04% | 11,463 | $136K | New |
| BFLY Butterfly Network Inc. | 0.03% | 42,300 | $96K | Add +3.0% |
Portfolio Sells Q4 2024 → Q1 2025
| CMF iShares California Muni Bond | Reduce -51.2% | 1.57% | −1.74 |
| VWO Vanguard Ftse Emerging Marke | Reduce -51.1% | 1.18% | −1.19 |
| TFLO iShares Treasury Floating Ra | Reduce -6.0% | 13.17% | −0.93 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -2.3% | 8.27% | −0.71 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -11.6% | 2.31% | −0.55 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -85.8% | 0.08% | −0.52 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -8.4% | 2.75% | −0.45 |
| IGSB iShares 1-5Y Inv Grade Corp. | Sold out | 0.00% | −0.37 |
| AAPL Apple Inc. | Reduce -5.1% | 1.39% | −0.28 |
| SPEM State Street SP PTF Em ETF | Reduce -16.8% | 1.46% | −0.27 |
| GOOGL Alphabet Inc. Class A | Reduce -46.5% | 0.12% | −0.16 |
| PANW Palo Alto Networks Inc. | Reduce -49.6% | 0.11% | −0.12 |
| IWD iShares Russell 1000 Value E | Reduce -12.1% | 0.93% | −0.12 |
| PLTR Palantir Technologies Inc. Class A | Sold out | 0.00% | −0.11 |
| IBIT iShares Bitcoin Trust ETF | Reduce -26.0% | 0.20% | −0.11 |
| COST Costco Wholesale Corp. | Reduce -16.5% | 0.63% | −0.11 |
| O Realty Income Corp. | Sold out | 0.00% | −0.09 |
| PFE Pfizer Inc. | Sold out | 0.00% | −0.08 |
| IVV iShares Core S&P 500 ETF | Reduce -0.1% | 1.27% | −0.07 |
| AMZN Amazon.com Inc. | Reduce -3.2% | 0.35% | −0.07 |
| CSX CSX Corp. | Sold out | 0.00% | −0.07 |
| EQT Eqt Corp. | Sold out | 0.00% | −0.07 |
| BA The Boeing Co. | Sold out | 0.00% | −0.07 |
| POOL Pool Corp. | Sold out | 0.00% | −0.07 |
| VTIP Vanguard Short-Term Tips | Reduce -12.6% | 0.52% | −0.06 |
| VGT Vanguard Info Tech ETF | Reduce -0.5% | 0.38% | −0.06 |
| NVDA Nvidia Corp. | Reduce -6.4% | 0.18% | −0.06 |
| EMB iShares JP Morgan Usd Emergi | Reduce -3.1% | 2.46% | −0.06 |
| SPIP SS SPDR P Tips ETF | Reduce -10.4% | 0.67% | −0.05 |
| ACN Accenture PLC Class A | Reduce -0.6% | 0.34% | −0.05 |
| ORCL Oracle Corp. | Reduce -0.7% | 0.21% | −0.05 |
| SPAB SS SPDR P Agg Bond ETF | Reduce -2.1% | 4.52% | −0.05 |
| TSLA Tesla Inc. | Reduce -0.9% | 0.07% | −0.04 |
| MSOS Advisorshares Pure US Cann | Sold out | 0.00% | −0.02 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -5.6% | 8.16% | −0.02 |
| SOXX iShares Semiconductor ETF | Reduce -1.7% | 0.09% | −0.02 |
| HON Honeywell International Inc. | Reduce -1.1% | 0.09% | −0.01 |
| SCHX Schwab US Large-Cap ETF | Reduce -0.2% | 0.09% | −0.01 |
| NFLX Netflix Inc. | Reduce -2.7% | 0.08% | +0.00 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -0.2% | 0.40% | +0.00 |
| CTVA Corteva Inc. | Reduce -0.1% | 0.08% | +0.01 |
| JNJ Johnson & Johnson | Reduce -1.0% | 0.23% | +0.03 |
| IBM Intl Business Machines Corp. | Reduce -0.4% | 0.31% | +0.03 |
| TMUS T-Mobile US Inc. | Reduce -0.4% | 0.73% | +0.12 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -0.3% | 0.89% | +0.12 |
Portfolio Buys Q4 2024 → Q1 2025
| MUB iShares National Muni Bond E | Add +45.0% | 5.72% | +1.69 |
| VEA Vanguard Ftse Developed ETF | Add +26.1% | 5.12% | +1.26 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +16.0% | 4.96% | +0.73 |
| BNDX Vanguard Total Intl Bond ETF | Add +20.7% | 4.05% | +0.65 |
| SCHA Schwab US Small-Cap ETF | New | 0.64% | +0.64 |
| SCHV Schwab US Large-Cap Value | New | 0.50% | +0.50 |
| SPTS SS SPDR P St Term TSY ETF | Add +13.2% | 3.54% | +0.41 |
| VCIT Vanguard Int-Term Corporate | Add +65.7% | 0.99% | +0.40 |
| VGLT Vanguard Long-Term Treasury | Add +17.0% | 2.20% | +0.37 |
| BND Vanguard Total Bond Market | Add +79.8% | 0.66% | +0.29 |
| OCGN Ocugen Inc. | New | 0.26% | +0.26 |
| IGIB iShares 5-10Y Inv Grade Corp. | New | 0.13% | +0.13 |
| IBTF iShares Ibonds Dec 2025 Term | Add +103.0% | 0.26% | +0.13 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | New | 0.11% | +0.11 |
| VGSH Vanguard Short-Term Treasury | Add +102.6% | 0.19% | +0.10 |
| XLV SS Health Care Select Sector | New | 0.10% | +0.10 |
| FXI iShares China Large-Cap ETF | New | 0.09% | +0.09 |
| SCHG Schwab US Large-Cap Growth | New | 0.09% | +0.09 |
| SCHB Schwab US Broad Market ETF | New | 0.09% | +0.09 |
| VGK Vanguard Ftse Europe ETF | New | 0.08% | +0.08 |
| SHY iShares 1-3 Year Treasury Bo | New | 0.08% | +0.08 |
| IAU iShares Gold Trust | New | 0.07% | +0.07 |
| WOR Worthington Enterprises Inc. | New | 0.06% | +0.06 |
| AGG iShares Core U.S. Aggregate | Add +16.3% | 0.31% | +0.05 |
| IEI iShares 3-7 Year Treasury Bo | Add +0.0% | 3.56% | +0.04 |
| CLPT Clearpoint Neuro Inc. | New | 0.04% | +0.04 |
| SPIB SS SPDR P Int C Corp. ETF | Add +4.4% | 0.76% | +0.04 |
| SCHP Schwab U.S. Tips ETF | Add +9.9% | 0.20% | +0.02 |
| FBND Fidelity Total Bond ETF | Add +5.0% | 0.17% | +0.01 |
| TRIN Trinity Capital Inc. | Add +6.1% | 0.10% | +0.01 |
| SPSB SS SPDR P St C Corp. ETF | Add +8.2% | 0.08% | +0.01 |
| VOO Vanguard S&P 500 ETF | Add +6.0% | 0.25% | +0.00 |
| GOVT iShares US Treasury Bond ETF | Add +0.0% | 0.13% | −0.00 |
| OKE Oneok Inc. | Add +0.5% | 0.18% | −0.00 |
| BFLY Butterfly Network Inc. | Add +3.0% | 0.03% | −0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +11.2% | 2.37% | −0.01 |
| MSFT Microsoft Corp. | Add +0.9% | 0.70% | −0.09 |
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 |