Rinkey Investments

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 14, 2025), Rinkey Investments reported 126 stock positions worth $376.9 million. Its top holding was iShares Treasury Floating Ra (TFLO) at 10.0% of the portfolio, followed by Ste STR SPDR PT DW Eu ETF (SPDW, 8.2%) and SS SPDR P S&P 1500 Comp ETF (SPTM, 8.0%). Compared with Q2 2025, it opened 30 new positions, sold out of 4, added to 37 and reduced 28. The biggest buy was a new position in Invesco QQQ Trust Series 1 (QQQ) and the biggest sale Ste STR SPDR PT DW Eu ETF (SPDW, shares −2%).

Most Recent 13F
Q2 2026
Location
San Diego, CA
CIK
0001730774
Portfolio Value
$376.9M (Q3 2025)
SEC Filing
0001172661-25-004914 ↗ filed Nov 14, 2025

Holdings Value

0$100.0M$200.0M$300.0M$400.0M$500.0M Q1 2024: $274.4M Q1 2024 Q2 2024: $278.3M Q2 2024 Q3 2024: $309.0M Q3 2024 Q4 2024: $312.5M Q4 2024 Q1 2025: $315.7M Q1 2025 Q2 2025: $332.8M Q2 2025 Q3 2025: $376.9M $376.9M Q3 2025 Q4 2025: $393.8M Q4 2025 Q1 2026: $391.0M Q1 2026 Q2 2026: $424.8M Q2 2026

Holdings 126 stocks · $376.9M
TFLO iShares Treasury Floating Ra 10.01% 745,499 $37.7M Add +9.5%
SPDW Ste STR SPDR PT DW Eu ETF 8.23% 724,901 $31.0M Reduce -1.9%
SPTM SS SPDR P S&P 1500 Comp ETF 8.01% 374,471 $30.2M Reduce -0.9%
VEA Vanguard Ftse Developed ETF 4.97% 312,945 $18.8M Add +14.8%
VTV Vanguard Mrngstr Val ETF-Aui 4.47% 90,265 $16.8M Add +10.1%
BNDX Vanguard Total Intl Bond ETF 4.08% 310,833 $15.4M Add +16.1%
CMF iShares California Muni Bond 3.78% 249,880 $14.3M Add +2.3%
SPAB SS SPDR P Agg Bond ETF 3.31% 482,617 $12.5M Reduce -5.7%
SPTS SS SPDR P St Term TSY ETF 3.17% 407,956 $12.0M Add +0.9%
IEI iShares 3-7 Year Treasury Bo 3.14% 98,890 $11.8M Add +2.8%
VTI VG Morningstar TS MKT ETF-US 3.10% 35,641 $11.7M Add +5.6%
MUB iShares National Muni Bond E 2.87% 101,547 $10.8M Add +4.9%
VUG Vanguard Mrngstar GR ETF-Sui 2.39% 18,798 $9.0M Add +2.9%
VB Vanguard Most SM-Cap ETF-Usd 2.07% 30,653 $7.8M Add +12.1%
EMB iShares JP Morgan Usd Emergi 2.05% 81,033 $7.7M Reduce -2.2%
BND Vanguard Total Bond Market 1.96% 99,349 $7.4M Add +50.0%
VGLT Vanguard Long-Term Treasury 1.95% 129,266 $7.4M Add +5.5%
SPEM State Street SP PTF Em ETF 1.59% 128,042 $6.0M Add +0.2%
AAPL Apple Inc. 1.48% 21,880 $5.6M Reduce -2.9%
IVV iShares Core S&P 500 ETF 1.39% 7,845 $5.3M Add +10.4%
SCHV Schwab US Large-Cap Value 1.36% 175,707 $5.1M No change
IEFA iShares Core MSCI Eafe ETF 1.17% 50,383 $4.4M No change
SCHA Schwab US Small-Cap ETF 1.09% 147,477 $4.1M No change
VWO Vanguard Ftse Emerging Marke 1.05% 73,320 $4.0M Reduce -0.1%
MSFT Microsoft Corp. 0.93% 6,736 $3.5M Add +0.0%
BRK.B Berkshire Hathaway Inc. Class B 0.89% 6,650 $3.3M Add +3.6%
IWD iShares Russell 1000 Value E 0.79% 14,649 $3.0M Reduce -2.2%
QQQ Invesco QQQ Trust Series 1 0.66% 4,138 $2.5M New
COST Costco Wholesale Corp. 0.61% 2,486 $2.3M Add +13.4%
PGR Progressive Corp. 0.56% 8,537 $2.1M No change
TMUS T-Mobile US Inc. 0.55% 8,692 $2.1M No change
AMZN Amazon.com Inc. 0.53% 9,075 $2.0M Reduce -0.3%
SCHG Schwab US Large-Cap Growth 0.51% 60,311 $1.9M No change
NVDA Nvidia Corp. 0.51% 10,289 $1.9M Add +0.6%
SPIB SS SPDR P Int C Corp. ETF 0.50% 55,386 $1.9M Add +3.1%
SPIP SS SPDR P Tips ETF 0.50% 71,234 $1.9M Reduce -7.5%
FBND Fidelity Total Bond ETF 0.48% 39,453 $1.8M Add +5.2%
OCGN Ocugen Inc. 0.48% 1,112,674 $1.8M Reduce -5.6%
VWOB Vanguard Emerg MKTS Gov BND 0.41% 23,033 $1.5M Add +17.3%
VTIP Vanguard Short-Term Tips 0.41% 30,251 $1.5M Reduce -4.4%
BN Brookfield Corp. 0.39% 21,405 $1.5M No change
VGT Vanguard Info Tech ETF 0.39% 1,962 $1.5M Reduce -9.3%
ORCL Oracle Corp. 0.37% 5,018 $1.4M No change
VCIT Vanguard Int-Term Corporate 0.34% 15,220 $1.3M Add +3.1%
IBIT iShares Bitcoin Trust ETF 0.32% 18,561 $1.2M Reduce -1.1%
AON Aon PLC Class A 0.32% 3,376 $1.2M New
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.30% 4,045 $1.1M Reduce -1.3%
VOO Vanguard S&P 500 ETF 0.29% 1,780 $1.1M Add +16.6%
SYK Stryker Corp. 0.27% 2,712 $1.0M No change
AGG iShares Core U.S. Aggregate 0.26% 9,881 $991K Reduce -3.0%
GOOGL Alphabet Inc. Class A 0.26% 4,021 $978K Add +5.6%
SUB iShares Short-Term National 0.26% 9,058 $967K New
TRV The Travelers Cos Inc. 0.25% 3,368 $940K New
XOM Exxon Mobil Corp. 0.23% 7,811 $881K No change
ACN Accenture PLC Class A 0.23% 3,479 $858K No change
VGSH Vanguard Short-Term Treasury 0.22% 14,235 $838K Add +28.8%
GLD SPDR Gold Shares 0.22% 2,317 $824K No change
JNJ Johnson & Johnson 0.21% 4,235 $785K Reduce -2.4%
IVW iShares S&P 500 Growth ETF 0.20% 6,231 $752K New
LENZ Lenz Therapeutics Inc. 0.19% 15,186 $707K No change
GOOG Alphabet Inc. Class C 0.18% 2,799 $682K Add +0.6%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.18% 2,307 $678K New
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.17% 2,110 $650K New
SCHP Schwab U.S. Tips ETF 0.17% 23,836 $642K Add +1.6%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.16% 2,066 $615K No change
SHV iShares 0-1 Year Treasury Bo 0.16% 5,447 $602K Reduce -9.0%
EOSE Eos Energy Enterprises Inc. 0.16% 51,927 $591K New
RTX RTX Corp. 0.16% 3,513 $588K New
RSP Invesco S&P 500 Equal Weight 0.15% 3,058 $580K New
ITM Vaneck Intermediate Muni ETF 0.15% 12,109 $564K New
MTUM iShares MSCI USA Momentum Fa 0.14% 2,067 $530K New
TSLA Tesla Inc. 0.14% 1,176 $523K Reduce -6.7%
NZF Nuveen Municipal Credit Inc. 0.14% 40,925 $514K No change
NVG Nuveen Amt-FR Muni CRDT 0.14% 41,400 $509K No change
VBR Vngrd Mrngst SL-CP Val ETF-U 0.13% 2,392 $499K No change
BYM BlackRock Muni Inc. QLTY 0.13% 44,500 $487K No change
VT Vanguard Tot World STK ETF 0.13% 3,439 $474K New
VXUS Vanguard Total Intl Stock 0.13% 6,414 $471K Add +3.4%
TGT Target Corp. 0.12% 5,195 $466K New
META Meta Platforms Inc. Class A 0.12% 631 $464K Add +112.5%
CRWD CrowdStrike Holdings Inc. Class A 0.12% 941 $461K Reduce -4.4%
EEMV iShares MSCI Emg MKT Min Vol 0.12% 6,965 $445K New
IAU iShares Gold Trust 0.11% 5,875 $428K Add +49.7%
PANW Palo Alto Networks Inc. 0.11% 2,060 $419K No change
GOVT iShares US Treasury Bond ETF 0.11% 18,057 $417K No change
SOXX iShares Semiconductor ETF 0.11% 1,535 $416K No change
WMT Walmart Inc. 0.11% 3,981 $410K Add +0.3%
NFLX Netflix Inc. 0.11% 342 $410K Add +7.9%
SPY SS SPDR S&P 500 ETF Trust-US 0.11% 601 $400K Add +1.7%
SCHR Schwab Intermediate-Term US 0.10% 15,508 $390K New
OKE Oneok Inc. 0.10% 5,200 $379K Reduce -1.1%
PLTR Palantir Technologies Inc. Class A 0.10% 1,984 $362K Reduce -40.2%
DGRO iShares Core Dividend Growth 0.10% 5,304 $361K New
IWM iShares Russell 2000 ETF 0.10% 1,486 $360K No change
AEM Agnico Eagle Mines Ltd. 0.09% 2,085 $351K New
USHY iShares Broad Usd High Yield 0.09% 9,000 $340K No change
FXI iShares China Large-Cap ETF 0.09% 8,071 $332K No change
SCHX Schwab US Large-Cap ETF 0.09% 12,507 $329K Reduce -0.0%
SCHH Schwab US REIT ETF 0.08% 14,560 $314K New
SLV iShares Silver Trust 0.08% 7,310 $310K New

Show all 126 holdings

Portfolio Sells Q2 2025 → Q3 2025
SPDW Ste STR SPDR PT DW Eu ETF Reduce -1.9% 8.23% −0.76
SPAB SS SPDR P Agg Bond ETF Reduce -5.7% 3.31% −0.63
SPTM SS SPDR P S&P 1500 Comp ETF Reduce -0.9% 8.01% −0.49
EMB iShares JP Morgan Usd Emergi Reduce -2.2% 2.05% −0.26
INDA iShares MSCI India ETF Sold out 0.00% −0.11
SPIP SS SPDR P Tips ETF Reduce -7.5% 0.50% −0.11
IWD iShares Russell 1000 Value E Reduce -2.2% 0.79% −0.08
AMZN Amazon.com Inc. Reduce -0.3% 0.53% −0.07
VTIP Vanguard Short-Term Tips Reduce -4.4% 0.41% −0.07
ITA iShares U.S. Aerospace & Def Sold out 0.00% −0.07
V Visa Inc. Class A Sold out 0.00% −0.06
IBM Intl Business Machines Corp. Reduce -1.3% 0.30% −0.06
VGT Vanguard Info Tech ETF Reduce -9.3% 0.39% −0.04
AGG iShares Core U.S. Aggregate Reduce -3.0% 0.26% −0.04
PLTR Palantir Technologies Inc. Class A Reduce -40.2% 0.10% −0.04
SHV iShares 0-1 Year Treasury Bo Reduce -9.0% 0.16% −0.04
VWO Vanguard Ftse Emerging Marke Reduce -0.1% 1.05% −0.04
CLPT Clearpoint Neuro Inc. Sold out 0.00% −0.04
OKE Oneok Inc. Reduce -1.1% 0.10% −0.03
CRWD CrowdStrike Holdings Inc. Class A Reduce -4.4% 0.12% −0.03
PNBK Patriot National Bancorp Inc. Reduce -19.9% 0.04% −0.03
IBIT iShares Bitcoin Trust ETF Reduce -1.1% 0.32% −0.03
JPM JPMorgan Chase & Co. Reduce -14.6% 0.08% −0.02
CTVA Corteva Inc. Reduce -0.7% 0.07% −0.02
ET Energy Transfer LP Reduce -1.1% 0.08% −0.02
BA The Boeing Co. Reduce -0.5% 0.07% −0.01
SCHX Schwab US Large-Cap ETF Reduce -0.0% 0.09% −0.00
CSX CSX Corp. Reduce -1.9% 0.06% −0.00
JNJ Johnson & Johnson Reduce -2.4% 0.21% +0.01
TSLA Tesla Inc. Reduce -6.7% 0.14% +0.02
AAPL Apple Inc. Reduce -2.9% 1.48% +0.09
OCGN Ocugen Inc. Reduce -5.6% 0.48% +0.14

Portfolio Buys Q2 2025 → Q3 2025
QQQ Invesco QQQ Trust Series 1 New 0.66% +0.66
BND Vanguard Total Bond Market Add +50.0% 1.96% +0.49
AON Aon PLC Class A New 0.32% +0.32
VEA Vanguard Ftse Developed ETF Add +14.8% 4.97% +0.31
SUB iShares Short-Term National New 0.26% +0.26
TRV The Travelers Cos Inc. New 0.25% +0.25
IVW iShares S&P 500 Growth ETF New 0.20% +0.20
VO Vngrd Mrngstr MD-Cap ETF-Usd New 0.18% +0.18
VV Vngrd Mrgstr LRG-Cap ETF-Usd New 0.17% +0.17
EOSE Eos Energy Enterprises Inc. New 0.16% +0.16
RTX RTX Corp. New 0.16% +0.16
RSP Invesco S&P 500 Equal Weight New 0.15% +0.15
ITM Vaneck Intermediate Muni ETF New 0.15% +0.15
MTUM iShares MSCI USA Momentum Fa New 0.14% +0.14
VT Vanguard Tot World STK ETF New 0.13% +0.13
TGT Target Corp. New 0.12% +0.12
VB Vanguard Most SM-Cap ETF-Usd Add +12.1% 2.07% +0.12
EEMV iShares MSCI Emg MKT Min Vol New 0.12% +0.12
VTV Vanguard Mrngstr Val ETF-Aui Add +10.1% 4.47% +0.11
SCHR Schwab Intermediate-Term US New 0.10% +0.10
BNDX Vanguard Total Intl Bond ETF Add +16.1% 4.08% +0.10
DGRO iShares Core Dividend Growth New 0.10% +0.10
AEM Agnico Eagle Mines Ltd. New 0.09% +0.09
SCHH Schwab US REIT ETF New 0.08% +0.08
SLV iShares Silver Trust New 0.08% +0.08
BIL SS SPDR BB 1-3M T-Bill ETF New 0.07% +0.07
KWEB Kranesh Csi China Internet New 0.07% +0.07
IVV iShares Core S&P 500 ETF Add +10.4% 1.39% +0.07
C Citigroup Inc. New 0.06% +0.06
XT Ishar Fture Exp Tech ETF-Usd New 0.06% +0.06
GOOGL Alphabet Inc. Class A Add +5.6% 0.26% +0.06
META Meta Platforms Inc. Class A Add +112.5% 0.12% +0.06
AVGO Broadcom Inc. New 0.06% +0.06
BBJP JPMorgan Betabuilders Japan New 0.05% +0.05
ETHE Grayscale Ethereum Staking E New 0.05% +0.05
IAU iShares Gold Trust Add +49.7% 0.11% +0.04
PTEN Patterson-Uti Energy Inc. New 0.04% +0.04
GOOG Alphabet Inc. Class C Add +0.6% 0.18% +0.03
VOO Vanguard S&P 500 ETF Add +16.6% 0.29% +0.03
VGSH Vanguard Short-Term Treasury Add +28.8% 0.22% +0.03
NVDA Nvidia Corp. Add +0.6% 0.51% +0.02
VWOB Vanguard Emerg MKTS Gov BND Add +17.3% 0.41% +0.02
VTI VG Morningstar TS MKT ETF-US Add +5.6% 3.10% +0.02
AMERICAN REBEL HLDGS INC New 0.02% +0.02
REAL BROKERAGE INC/THE New 0.01% +0.01
TRIN Trinity Capital Inc. Add +26.7% 0.06% +0.01
BFLY Butterfly Network Inc. Add +6.3% 0.02% −0.00
SPSB SS SPDR P St C Corp. ETF Add +7.9% 0.07% −0.00
SPY SS SPDR S&P 500 ETF Trust-US Add +1.7% 0.11% −0.00
VXUS Vanguard Total Intl Stock Add +3.4% 0.13% −0.00

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 128$424.8MTFLO, SPTM, SPDW, VEA, BNDX
Q1 2026 125$391.0MTFLO, SPDW, SPTM, BNDX, VEA
Q4 2025 129$393.8MTFLO, BNDX, SPDW, SPTM, VEA
Q3 2025 126$376.9MTFLO, SPDW, SPTM, VEA, VTV
Q2 2025 100$332.8MTFLO, SPDW, SPTM, VEA, VTV
Q1 2025 95$315.7MTFLO, SPTM, SPDW, MUB, VEA
Q4 2024 90$312.5MTFLO, SPTM, SPDW, SPAB, VTV
Q3 2024 80$309.0MTFLO, SPDW, SPTM, SPAB, MUB
Q2 2024 71$278.3MTFLO, SPTM, SPDW, SPAB, MUB
Q1 2024 71$274.4MTFLO, SPTM, SPDW, SPAB, MUB