Rinkey Investments
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 4, 2026), Rinkey Investments reported 129 stock positions worth $393.8 million. Its top holding was iShares Treasury Floating Ra (TFLO) at 10.5% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 9.2%) and Ste STR SPDR PT DW Eu ETF (SPDW, 7.8%). Compared with Q3 2025, it opened 17 new positions, sold out of 14, added to 36 and reduced 39. The biggest buy was Vanguard Total Intl Bond ETF (BNDX, shares +141%) and the biggest sale SS SPDR P Agg Bond ETF (SPAB, shares −56%).
- Most Recent 13F
- Q2 2026
- Location
- San Diego, CA
- CIK
- 0001730774
- Portfolio Value
- $393.8M (Q4 2025)
- SEC Filing
- 0001172661-26-000467 ↗ filed Feb 4, 2026
Holdings Value
Holdings 129 stocks · $393.8M
| TFLO iShares Treasury Floating Ra | 10.51% | 819,788 | $41.4M | Add +10.0% |
| BNDX Vanguard Total Intl Bond ETF | 9.19% | 748,803 | $36.2M | Add +140.9% |
| SPDW Ste STR SPDR PT DW Eu ETF | 7.83% | 694,494 | $30.8M | Reduce -4.2% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 7.71% | 368,202 | $30.4M | Reduce -1.7% |
| VEA Vanguard Ftse Developed ETF | 5.00% | 314,960 | $19.7M | Add +0.6% |
| VTV Vanguard Mrngstr Val ETF-Aui | 4.54% | 93,497 | $17.9M | Add +3.6% |
| VTI VG Morningstar TS MKT ETF-US | 3.22% | 37,775 | $12.7M | Add +6.0% |
| IEI iShares 3-7 Year Treasury Bo | 3.08% | 101,713 | $12.1M | Add +2.9% |
| SPTS SS SPDR P St Term TSY ETF | 3.03% | 406,949 | $11.9M | Reduce -0.3% |
| CMF iShares California Muni Bond | 2.83% | 193,681 | $11.1M | Reduce -22.5% |
| MUB iShares National Muni Bond E | 2.37% | 87,004 | $9.3M | Reduce -14.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 2.25% | 18,148 | $8.9M | Reduce -3.5% |
| VB Vanguard Most SM-Cap ETF-Usd | 2.02% | 30,813 | $7.9M | Add +0.5% |
| EMB iShares JP Morgan Usd Emergi | 1.95% | 79,926 | $7.7M | Reduce -1.4% |
| BND Vanguard Total Bond Market | 1.59% | 84,271 | $6.2M | Reduce -15.2% |
| SPEM State Street SP PTF Em ETF | 1.48% | 124,303 | $5.8M | Reduce -2.9% |
| AAPL Apple Inc. | 1.43% | 20,698 | $5.6M | Reduce -5.4% |
| SPAB SS SPDR P Agg Bond ETF | 1.40% | 213,487 | $5.5M | Reduce -55.8% |
| IVV iShares Core S&P 500 ETF | 1.36% | 7,842 | $5.4M | Reduce -0.0% |
| SCHV Schwab US Large-Cap Value | 1.32% | 175,707 | $5.2M | No change |
| VGLT Vanguard Long-Term Treasury | 1.30% | 91,485 | $5.1M | Reduce -29.2% |
| IEFA iShares Core MSCI Eafe ETF | 1.14% | 50,383 | $4.5M | No change |
| SCHA Schwab US Small-Cap ETF | 1.06% | 146,310 | $4.2M | Reduce -0.8% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.02% | 8,018 | $4.0M | Add +20.6% |
| MSFT Microsoft Corp. | 0.99% | 8,096 | $3.9M | Add +20.2% |
| VWO Vanguard Ftse Emerging Marke | 0.98% | 71,496 | $3.8M | Reduce -2.5% |
| QQQ Invesco QQQ Trust Series 1 | 0.72% | 4,600 | $2.8M | Add +11.2% |
| IWD iShares Russell 1000 Value E | 0.72% | 13,422 | $2.8M | Reduce -8.4% |
| PGR Progressive Corp. | 0.64% | 11,073 | $2.5M | Add +29.7% |
| TMUS T-Mobile US Inc. | 0.57% | 11,128 | $2.3M | Add +28.0% |
| AMZN Amazon.com Inc. | 0.53% | 9,007 | $2.1M | Reduce -0.8% |
| BN Brookfield Corp. | 0.52% | 44,717 | $2.1M | Add +39.3% |
| COST Costco Wholesale Corp. | 0.51% | 2,340 | $2.0M | Reduce -5.9% |
| SCHG Schwab US Large-Cap Growth | 0.50% | 60,311 | $2.0M | No change |
| NVDA Nvidia Corp. | 0.50% | 10,495 | $2.0M | Add +2.0% |
| SPIB SS SPDR P Int C Corp. ETF | 0.48% | 56,364 | $1.9M | Add +1.8% |
| SPIP SS SPDR P Tips ETF | 0.46% | 70,492 | $1.8M | Reduce -1.0% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.39% | 22,725 | $1.5M | Reduce -1.3% |
| VTIP Vanguard Short-Term Tips | 0.38% | 29,983 | $1.5M | Reduce -0.9% |
| ORCL Oracle Corp. | 0.37% | 7,439 | $1.4M | Add +48.3% |
| XOM Exxon Mobil Corp. | 0.36% | 11,890 | $1.4M | Add +52.2% |
| VGT Vanguard Info Tech ETF | 0.35% | 1,816 | $1.4M | Reduce -7.4% |
| GOOGL Alphabet Inc. Class A | 0.34% | 4,326 | $1.4M | Add +7.6% |
| FBND Fidelity Total Bond ETF | 0.34% | 29,251 | $1.3M | Reduce -25.9% |
| OCGN Ocugen Inc. | 0.34% | 991,186 | $1.3M | Reduce -10.9% |
| VCIT Vanguard Int-Term Corporate | 0.33% | 15,430 | $1.3M | Add +1.4% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.30% | 4,045 | $1.2M | No change |
| VOO Vanguard S&P 500 ETF | 0.29% | 1,837 | $1.2M | Add +3.2% |
| IBIT iShares Bitcoin Trust ETF | 0.29% | 22,878 | $1.1M | Add +23.3% |
| VGSH Vanguard Short-Term Treasury | 0.28% | 18,824 | $1.1M | Add +32.2% |
| RTX RTX Corp. | 0.28% | 5,993 | $1.1M | Add +70.6% |
| JNJ Johnson & Johnson | 0.27% | 5,189 | $1.1M | Add +22.5% |
| AGG iShares Core U.S. Aggregate | 0.25% | 9,951 | $994K | Add +0.7% |
| TRV The Travelers Cos Inc. | 0.25% | 3,368 | $977K | No change |
| SUB iShares Short-Term National | 0.25% | 9,058 | $966K | No change |
| SYK Stryker Corp. | 0.24% | 2,712 | $953K | No change |
| ACN Accenture PLC Class A | 0.24% | 3,454 | $927K | Reduce -0.7% |
| GOOG Alphabet Inc. Class C | 0.23% | 2,852 | $895K | Add +1.9% |
| GLD SPDR Gold Shares | 0.20% | 2,022 | $801K | Reduce -12.7% |
| META Meta Platforms Inc. Class A | 0.20% | 1,208 | $798K | Add +91.4% |
| IVW iShares S&P 500 Growth ETF | 0.19% | 5,934 | $731K | Reduce -4.8% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.17% | 2,307 | $670K | No change |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.17% | 2,110 | $664K | No change |
| SCHP Schwab U.S. Tips ETF | 0.17% | 25,064 | $664K | Add +5.2% |
| VBK Van Morst SML-Cap Gro-Usd Inc. | 0.16% | 2,066 | $624K | No change |
| ITM Vaneck Intermediate Muni ETF | 0.14% | 12,109 | $571K | No change |
| SHV iShares 0-1 Year Treasury Bo | 0.14% | 4,967 | $547K | Reduce -8.8% |
| CTVA Corteva Inc. | 0.14% | 8,072 | $541K | Add +116.0% |
| VXUS Vanguard Total Intl Stock | 0.14% | 7,163 | $540K | Add +11.7% |
| NVG Nuveen Amt-FR Muni CRDT | 0.13% | 41,400 | $524K | No change |
| MTUM iShares MSCI USA Momentum Fa | 0.13% | 2,067 | $517K | No change |
| NZF Nuveen Municipal Credit Inc. | 0.13% | 40,925 | $515K | No change |
| EOSE Eos Energy Enterprises Inc. | 0.13% | 44,877 | $514K | Reduce -13.6% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.13% | 2,392 | $507K | No change |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | 0.13% | 43,500 | $506K | New |
| VT Vanguard Tot World STK ETF | 0.12% | 3,439 | $485K | No change |
| SOXX iShares Semiconductor ETF | 0.12% | 1,571 | $473K | Add +2.4% |
| TSLA Tesla Inc. | 0.12% | 1,041 | $468K | Reduce -11.5% |
| EEMV iShares MSCI Emg MKT Min Vol | 0.11% | 6,965 | $446K | No change |
| WMT Walmart Inc. | 0.11% | 3,981 | $444K | No change |
| CRWD CrowdStrike Holdings Inc. Class A | 0.11% | 928 | $435K | Reduce -1.4% |
| GOVT iShares US Treasury Bond ETF | 0.11% | 18,057 | $416K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.10% | 601 | $410K | No change |
| EQT Eqt Corp. | 0.10% | 7,644 | $410K | New |
| CSX CSX Corp. | 0.10% | 10,985 | $398K | Add +64.9% |
| SLV iShares Silver Trust | 0.10% | 6,100 | $393K | Reduce -16.6% |
| IAU iShares Gold Trust | 0.10% | 4,835 | $392K | Reduce -17.7% |
| SCHR Schwab Intermediate-Term US | 0.10% | 15,493 | $389K | Reduce -0.1% |
| LLY Eli Lilly & Co. | 0.10% | 357 | $384K | New |
| PANW Palo Alto Networks Inc. | 0.10% | 2,060 | $379K | No change |
| TXT Textron Inc. | 0.10% | 4,315 | $376K | New |
| IWM iShares Russell 2000 ETF | 0.10% | 1,526 | $376K | Add +2.7% |
| PLTR Palantir Technologies Inc. Class A | 0.09% | 2,092 | $372K | Add +5.4% |
| NFLX Netflix Inc. | 0.09% | 3,960 | $371K | Add +15.8% |
| DGRO iShares Core Dividend Growth | 0.09% | 5,304 | $368K | No change |
| EXPE Expedia Group Inc. | 0.09% | 1,235 | $350K | New |
| SCHX Schwab US Large-Cap ETF | 0.09% | 12,507 | $337K | No change |
| USHY iShares Broad Usd High Yield | 0.09% | 9,000 | $337K | No change |
| BBN BlackRock Taxable Muni BND | 0.09% | 20,585 | $336K | New |
| V Visa Inc. Class A | 0.08% | 927 | $325K | New |
Portfolio Sells Q3 2025 → Q4 2025
| SPAB SS SPDR P Agg Bond ETF | Reduce -55.8% | 1.40% | −1.91 |
| CMF iShares California Muni Bond | Reduce -22.5% | 2.83% | −0.96 |
| VGLT Vanguard Long-Term Treasury | Reduce -29.2% | 1.30% | −0.65 |
| MUB iShares National Muni Bond E | Reduce -14.3% | 2.37% | −0.50 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -4.2% | 7.83% | −0.40 |
| BND Vanguard Total Bond Market | Reduce -15.2% | 1.59% | −0.38 |
| AON Aon PLC Class A | Sold out | 0.00% | −0.32 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -1.7% | 7.71% | −0.30 |
| RSP Invesco S&P 500 Equal Weight | Sold out | 0.00% | −0.15 |
| SPTS SS SPDR P St Term TSY ETF | Reduce -0.3% | 3.03% | −0.15 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -3.5% | 2.25% | −0.14 |
| FBND Fidelity Total Bond ETF | Reduce -25.9% | 0.34% | −0.14 |
| OCGN Ocugen Inc. | Reduce -10.9% | 0.34% | −0.14 |
| BYM BlackRock Muni Inc. QLTY | Sold out | 0.00% | −0.13 |
| TGT Target Corp. | Sold out | 0.00% | −0.12 |
| SPEM State Street SP PTF Em ETF | Reduce -2.9% | 1.48% | −0.11 |
| OKE Oneok Inc. | Sold out | 0.00% | −0.10 |
| COST Costco Wholesale Corp. | Reduce -5.9% | 0.51% | −0.10 |
| AEM Agnico Eagle Mines Ltd. | Sold out | 0.00% | −0.09 |
| EMB iShares JP Morgan Usd Emergi | Reduce -1.4% | 1.95% | −0.09 |
| ET Energy Transfer LP | Sold out | 0.00% | −0.08 |
| VWO Vanguard Ftse Emerging Marke | Reduce -2.5% | 0.98% | −0.08 |
| IWD iShares Russell 1000 Value E | Reduce -8.4% | 0.72% | −0.07 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Sold out | 0.00% | −0.07 |
| KWEB Kranesh Csi China Internet | Sold out | 0.00% | −0.07 |
| VIG Vanguard Dividend Apprec ETF | Sold out | 0.00% | −0.06 |
| AVGO Broadcom Inc. | Sold out | 0.00% | −0.06 |
| ETHE Grayscale Ethereum Staking E | Sold out | 0.00% | −0.05 |
| AAPL Apple Inc. | Reduce -5.4% | 1.43% | −0.05 |
| VGT Vanguard Info Tech ETF | Reduce -7.4% | 0.35% | −0.04 |
| SCHA Schwab US Small-Cap ETF | Reduce -0.8% | 1.06% | −0.03 |
| SPIP SS SPDR P Tips ETF | Reduce -1.0% | 0.46% | −0.03 |
| VTIP Vanguard Short-Term Tips | Reduce -0.9% | 0.38% | −0.03 |
| IVV iShares Core S&P 500 ETF | Reduce -0.0% | 1.36% | −0.03 |
| EOSE Eos Energy Enterprises Inc. | Reduce -13.6% | 0.13% | −0.03 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -8.8% | 0.14% | −0.02 |
| TSLA Tesla Inc. | Reduce -11.5% | 0.12% | −0.02 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -1.3% | 0.39% | −0.02 |
| AMERICAN REBEL HLDGS INC | Sold out | 0.00% | −0.02 |
| MO Altria Group Inc. | Reduce -6.8% | 0.06% | −0.02 |
| GLD SPDR Gold Shares | Reduce -12.7% | 0.20% | −0.01 |
| IAU iShares Gold Trust | Reduce -17.7% | 0.10% | −0.01 |
| IVW iShares S&P 500 Growth ETF | Reduce -4.8% | 0.19% | −0.01 |
| REAL BROKERAGE INC/THE | Sold out | 0.00% | −0.01 |
| CRWD CrowdStrike Holdings Inc. Class A | Reduce -1.4% | 0.11% | −0.01 |
| HON Honeywell International Inc. | Reduce -2.3% | 0.06% | −0.01 |
| TRIN Trinity Capital Inc. | Reduce -2.4% | 0.06% | −0.01 |
| SCHR Schwab Intermediate-Term US | Reduce -0.1% | 0.10% | −0.00 |
| BBJP JPMorgan Betabuilders Japan | Reduce -0.8% | 0.05% | −0.00 |
| AMZN Amazon.com Inc. | Reduce -0.8% | 0.53% | −0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| BNDX Vanguard Total Intl Bond ETF | Add +140.9% | 9.19% | +5.11 |
| TFLO iShares Treasury Floating Ra | Add +10.0% | 10.51% | +0.50 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +20.6% | 1.02% | +0.14 |
| BN Brookfield Corp. | Add +39.3% | 0.52% | +0.13 |
| XOM Exxon Mobil Corp. | Add +52.2% | 0.36% | +0.13 |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | New | 0.13% | +0.13 |
| RTX RTX Corp. | Add +70.6% | 0.28% | +0.12 |
| VTI VG Morningstar TS MKT ETF-US | Add +6.0% | 3.22% | +0.11 |
| EQT Eqt Corp. | New | 0.10% | +0.10 |
| LLY Eli Lilly & Co. | New | 0.10% | +0.10 |
| TXT Textron Inc. | New | 0.10% | +0.10 |
| EXPE Expedia Group Inc. | New | 0.09% | +0.09 |
| BBN BlackRock Taxable Muni BND | New | 0.09% | +0.09 |
| GOOGL Alphabet Inc. Class A | Add +7.6% | 0.34% | +0.08 |
| V Visa Inc. Class A | New | 0.08% | +0.08 |
| PGR Progressive Corp. | Add +29.7% | 0.64% | +0.08 |
| AVY Avery Dennison Corp. | New | 0.08% | +0.08 |
| AMD Advanced Micro Devices | New | 0.08% | +0.08 |
| META Meta Platforms Inc. Class A | Add +91.4% | 0.20% | +0.08 |
| CTVA Corteva Inc. | Add +116.0% | 0.14% | +0.07 |
| CB Chubb Ltd. | New | 0.07% | +0.07 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +3.6% | 4.54% | +0.07 |
| MSFT Microsoft Corp. | Add +20.2% | 0.99% | +0.07 |
| JNJ Johnson & Johnson | Add +22.5% | 0.27% | +0.06 |
| AVUV Avantis US Small Cap Value | New | 0.06% | +0.06 |
| UBER Uber Technologies Inc. | New | 0.06% | +0.06 |
| MU Micron Technology Inc. | New | 0.06% | +0.06 |
| QQQ Invesco QQQ Trust Series 1 | Add +11.2% | 0.72% | +0.06 |
| VGSH Vanguard Short-Term Treasury | Add +32.2% | 0.28% | +0.06 |
| GFL GFL Environmental Inc.-Sub VT | New | 0.06% | +0.06 |
| DFIV Dimensional International Va | New | 0.05% | +0.05 |
| XBI SS SPDR S&P Biotech ETF | New | 0.05% | +0.05 |
| EIS iShares MSCI Israel ETF | New | 0.05% | +0.05 |
| GOOG Alphabet Inc. Class C | Add +1.9% | 0.23% | +0.05 |
| CSX CSX Corp. | Add +64.9% | 0.10% | +0.04 |
| VEA Vanguard Ftse Developed ETF | Add +0.6% | 5.00% | +0.02 |
| TMUS T-Mobile US Inc. | Add +28.0% | 0.57% | +0.02 |
| VXUS Vanguard Total Intl Stock | Add +11.7% | 0.14% | +0.01 |
| SOXX iShares Semiconductor ETF | Add +2.4% | 0.12% | +0.01 |
| VOO Vanguard S&P 500 ETF | Add +3.2% | 0.29% | +0.00 |
| IWM iShares Russell 2000 ETF | Add +2.7% | 0.10% | 0.00 |
| PLTR Palantir Technologies Inc. Class A | Add +5.4% | 0.09% | −0.00 |
| SCHP Schwab U.S. Tips ETF | Add +5.2% | 0.17% | −0.00 |
| SPSB SS SPDR P St C Corp. ETF | Add +0.7% | 0.07% | −0.00 |
| ORCL Oracle Corp. | Add +48.3% | 0.37% | −0.01 |
| AGG iShares Core U.S. Aggregate | Add +0.7% | 0.25% | −0.01 |
| VCIT Vanguard Int-Term Corporate | Add +1.4% | 0.33% | −0.01 |
| NVDA Nvidia Corp. | Add +2.0% | 0.50% | −0.01 |
| SPIB SS SPDR P Int C Corp. ETF | Add +1.8% | 0.48% | −0.01 |
| NFLX Netflix Inc. | Add +15.8% | 0.09% | −0.01 |
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 |