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

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 Q3 2025 Q4 2025: $393.8M $393.8M Q4 2025 Q1 2026: $391.0M Q1 2026 Q2 2026: $424.8M Q2 2026

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
AVY Avery Dennison Corp. 0.08% 1,742 $317K New
AMD Advanced Micro Devices 0.08% 1,475 $316K New
JPM JPMorgan Chase & Co. 0.08% 977 $315K No change
FXI iShares China Large-Cap ETF 0.08% 8,071 $309K No change
SCHH Schwab US REIT ETF 0.08% 14,560 $304K No change
VGK Vanguard Ftse Europe ETF 0.07% 3,515 $294K No change
CB Chubb Ltd. 0.07% 871 $272K New
C Citigroup Inc. 0.07% 2,317 $270K No change
SPSB SS SPDR P St C Corp. ETF 0.07% 8,938 $270K Add +0.7%
BA The Boeing Co. 0.06% 1,164 $253K No change
AVUV Avantis US Small Cap Value 0.06% 2,450 $250K New
UBER Uber Technologies Inc. 0.06% 2,995 $245K New
TYA Simplify Intermediate Term 0.06% 18,000 $243K No change
LENZ Lenz Therapeutics Inc. 0.06% 15,186 $243K No change
MU Micron Technology Inc. 0.06% 838 $239K New
HON Honeywell International Inc. 0.06% 1,196 $233K Reduce -2.3%
MO Altria Group Inc. 0.06% 3,988 $230K Reduce -6.8%
XT Ishar Fture Exp Tech ETF-Usd 0.06% 3,266 $228K No change
GFL GFL Environmental Inc.-Sub VT 0.06% 5,185 $223K New
PNBK Patriot National Bancorp Inc. 0.06% 121,828 $222K No change
TRIN Trinity Capital Inc. 0.06% 14,787 $217K Reduce -2.4%
KR Kroger Co. 0.05% 3,367 $210K No change
DFIV Dimensional International Va 0.05% 4,147 $207K New
WOR Worthington Enterprises Inc. 0.05% 3,994 $206K No change
XBI SS SPDR S&P Biotech ETF 0.05% 1,675 $204K New
EIS iShares MSCI Israel ETF 0.05% 1,847 $203K New
BBJP JPMorgan Betabuilders Japan 0.05% 3,055 $201K Reduce -0.8%
PTEN Patterson-Uti Energy Inc. 0.04% 28,230 $172K No change
BFLY Butterfly Network Inc. 0.04% 41,600 $158K Reduce -5.7%

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

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