Rinkey Investments

In its 13F for Q1 2026 (holdings as of March 31, 2026, filed May 11, 2026), Rinkey Investments reported 125 stock positions worth $391.0 million. Its top holding was iShares Treasury Floating Ra (TFLO) at 10.3% of the portfolio, followed by Ste STR SPDR PT DW Eu ETF (SPDW, 7.6%) and SS SPDR P S&P 1500 Comp ETF (SPTM, 7.4%). Compared with Q4 2025, it opened 6 new positions, sold out of 10, added to 36 and reduced 46. The biggest buy was Vanguard Total Bond Market (BND, shares +145%) and the biggest sale Vanguard Total Intl Bond ETF (BNDX, shares −35%).

Most Recent 13F
Q2 2026
Location
San Diego, CA
CIK
0001730774
Portfolio Value
$391.0M (Q1 2026)
SEC Filing
0001172661-26-001645 ↗ filed May 11, 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 Q4 2025 Q1 2026: $391.0M $391.0M Q1 2026 Q2 2026: $424.8M Q2 2026

Holdings 125 stocks · $391.0M
TFLO iShares Treasury Floating Ra 10.32% 796,761 $40.3M Reduce -2.8%
SPDW Ste STR SPDR PT DW Eu ETF 7.61% 651,963 $29.8M Reduce -6.1%
SPTM SS SPDR P S&P 1500 Comp ETF 7.39% 365,339 $28.9M Reduce -0.8%
BNDX Vanguard Total Intl Bond ETF 5.95% 483,891 $23.3M Reduce -35.4%
VEA Vanguard Ftse Developed ETF 5.08% 310,210 $19.9M Reduce -1.5%
VTV Vanguard Mrngstr Val ETF-Aui 4.87% 97,032 $19.0M Add +3.8%
BND Vanguard Total Bond Market 3.90% 206,814 $15.2M Add +145.4%
CMF iShares California Muni Bond 3.77% 258,963 $14.7M Add +33.7%
VTI VG Morningstar TS MKT ETF-US 3.19% 38,935 $12.5M Add +3.1%
IEI iShares 3-7 Year Treasury Bo 3.09% 101,966 $12.1M Add +0.3%
SPTS SS SPDR P St Term TSY ETF 3.04% 407,126 $11.9M Add +0.0%
MUB iShares National Muni Bond E 3.03% 111,456 $11.8M Add +28.1%
VB Vanguard Most SM-Cap ETF-Usd 2.13% 31,727 $8.3M Add +3.0%
VUG Vanguard Mrngstar GR ETF-Sui 2.13% 19,025 $8.3M Add +4.8%
VGLT Vanguard Long-Term Treasury 2.06% 145,711 $8.1M Add +59.3%
VWO Vanguard Ftse Emerging Marke 1.49% 108,056 $5.8M Add +51.1%
SPEM State Street SP PTF Em ETF 1.44% 120,320 $5.6M Reduce -3.2%
SPAB SS SPDR P Agg Bond ETF 1.40% 213,563 $5.5M Add +0.0%
SCHV Schwab US Large-Cap Value 1.37% 175,707 $5.4M No change
IVV iShares Core S&P 500 ETF 1.31% 7,831 $5.1M Reduce -0.1%
AAPL Apple Inc. 1.31% 20,115 $5.1M Reduce -2.8%
IEFA iShares Core MSCI Eafe ETF 1.17% 50,383 $4.6M No change
SCHA Schwab US Small-Cap ETF 1.08% 144,749 $4.2M Reduce -1.1%
BRK.B Berkshire Hathaway Inc. Class B 1.01% 8,271 $4.0M Add +3.2%
EMB iShares JP Morgan Usd Emergi 1.00% 41,756 $3.9M Reduce -47.8%
MSFT Microsoft Corp. 0.74% 7,862 $2.9M Reduce -2.9%
QQQ Invesco QQQ Trust Series 1 0.72% 4,858 $2.8M Add +5.6%
IWD iShares Russell 1000 Value E 0.69% 12,639 $2.7M Reduce -5.8%
TMUS T-Mobile US Inc. 0.60% 11,128 $2.3M No change
COST Costco Wholesale Corp. 0.58% 2,258 $2.2M Reduce -3.5%
PGR Progressive Corp. 0.56% 11,073 $2.2M No change
FBND Fidelity Total Bond ETF 0.54% 46,147 $2.1M Add +57.8%
XOM Exxon Mobil Corp. 0.51% 11,740 $2.0M Reduce -1.3%
SPIB SS SPDR P Int C Corp. ETF 0.49% 57,000 $1.9M Add +1.1%
SPIP SS SPDR P Tips ETF 0.48% 72,051 $1.9M Add +2.2%
OCGN Ocugen Inc. 0.48% 1,032,989 $1.9M Add +4.2%
AMZN Amazon.com Inc. 0.47% 8,833 $1.8M Reduce -1.9%
BN Brookfield Corp. 0.46% 44,717 $1.8M No change
NVDA Nvidia Corp. 0.45% 10,146 $1.8M Reduce -3.3%
SCHG Schwab US Large-Cap Growth 0.45% 60,311 $1.8M No change
VGT Vanguard Info Tech ETF 0.44% 2,491 $1.7M Add +37.2%
VWOB Vanguard Emerg MKTS Gov BND 0.38% 22,725 $1.5M No change
VTIP Vanguard Short-Term Tips 0.38% 29,494 $1.5M Reduce -1.6%
VCIT Vanguard Int-Term Corporate 0.37% 17,569 $1.5M Add +13.9%
VGSH Vanguard Short-Term Treasury 0.32% 21,249 $1.2M Add +12.9%
GOOGL Alphabet Inc. Class A 0.31% 4,242 $1.2M Reduce -1.9%
JNJ Johnson & Johnson 0.31% 4,954 $1.2M Reduce -4.5%
RTX RTX Corp. 0.30% 5,993 $1.2M No change
ORCL Oracle Corp. 0.28% 7,449 $1.1M Add +0.1%
VOO Vanguard S&P 500 ETF 0.27% 1,793 $1.1M Reduce -2.4%
TRV The Travelers Cos Inc. 0.25% 3,368 $982K No change
AGG iShares Core U.S. Aggregate 0.23% 9,068 $900K Reduce -8.9%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.23% 3,703 $898K Reduce -8.4%
SYK Stryker Corp. 0.23% 2,712 $891K No change
IBIT iShares Bitcoin Trust ETF 0.22% 22,768 $875K Reduce -0.5%
GOOG Alphabet Inc. Class C 0.21% 2,902 $833K Add +1.8%
GLD SPDR Gold Shares 0.21% 1,920 $826K Reduce -5.0%
FLOT iShares Floating Rate Bond E 0.21% 15,865 $808K New
VBK Van Morst SML-Cap Gro-Usd Inc. 0.20% 2,548 $770K Add +23.3%
SUB iShares Short-Term National 0.20% 7,165 $763K Reduce -20.9%
XLU St Sr Utl SL SE SPDR ETF-Usd 0.19% 16,190 $743K New
IVW iShares S&P 500 Growth ETF 0.17% 5,924 $670K Reduce -0.2%
SCHP Schwab U.S. Tips ETF 0.17% 25,064 $667K No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.17% 2,307 $663K No change
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.16% 2,110 $631K No change
VXUS Vanguard Total Intl Stock 0.15% 7,702 $594K Add +7.5%
ITM Vaneck Intermediate Muni ETF 0.14% 12,109 $562K No change
ACN Accenture PLC Class A 0.14% 2,763 $548K Reduce -20.0%
SHV iShares 0-1 Year Treasury Bo 0.14% 4,850 $535K Reduce -2.4%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.13% 2,392 $520K No change
SOXX iShares Semiconductor ETF 0.13% 1,571 $516K No change
NVG Nuveen Amt-FR Muni CRDT 0.13% 41,400 $510K No change
NZF Nuveen Municipal Credit Inc. 0.13% 41,125 $501K Add +0.5%
MTUM iShares MSCI USA Momentum Fa 0.13% 2,055 $493K Reduce -0.6%
WMT Walmart Inc. 0.13% 3,961 $492K Reduce -0.5%
XNEAX Nuveen Amt-FR QLTY Muni Inc. 0.12% 43,500 $489K No change
TSLA Tesla Inc. 0.12% 1,312 $488K Add +26.0%
VT Vanguard Tot World STK ETF 0.12% 3,435 $475K Reduce -0.1%
EIS iShares MSCI Israel ETF 0.12% 4,075 $473K Add +120.6%
CSX CSX Corp. 0.12% 11,240 $461K Add +2.3%
EEMV iShares MSCI Emg MKT Min Vol 0.12% 6,963 $451K Reduce -0.0%
META Meta Platforms Inc. Class A 0.11% 749 $429K Reduce -38.0%
GOVT iShares US Treasury Bond ETF 0.11% 18,057 $414K No change
SPY SS SPDR S&P 500 ETF Trust-US 0.10% 605 $393K Add +0.7%
DGRO iShares Core Dividend Growth 0.10% 5,304 $372K No change
IWM iShares Russell 2000 ETF 0.09% 1,486 $369K Reduce -2.6%
NFLX Netflix Inc. 0.09% 3,764 $362K Reduce -5.0%
PLTR Palantir Technologies Inc. Class A 0.09% 2,429 $355K Add +16.1%
SCHR Schwab Intermediate-Term US 0.09% 14,251 $355K Reduce -8.0%
AVUV Avantis US Small Cap Value 0.09% 3,190 $352K Add +30.2%
BBN BlackRock Taxable Muni BND 0.09% 20,585 $333K No change
PANW Palo Alto Networks Inc. 0.08% 2,060 $330K No change
SCHX Schwab US Large-Cap ETF 0.08% 12,606 $323K Add +0.8%
EQT Eqt Corp. 0.08% 5,049 $321K Reduce -34.0%
SCHH Schwab US REIT ETF 0.08% 14,560 $313K No change
LLY Eli Lilly & Co. 0.08% 337 $310K Reduce -5.6%
MU Micron Technology Inc. 0.08% 905 $306K Add +8.0%
PTEN Patterson-Uti Energy Inc. 0.08% 28,230 $306K No change
FXI iShares China Large-Cap ETF 0.07% 8,071 $290K No change
VGK Vanguard Ftse Europe ETF 0.07% 3,515 $290K No change
JPM JPMorgan Chase & Co. 0.07% 977 $287K No change
CRWD CrowdStrike Holdings Inc. Class A 0.07% 735 $287K Reduce -20.8%
EXPE Expedia Group Inc. 0.07% 1,235 $285K No change
MO Altria Group Inc. 0.07% 4,188 $276K Add +5.0%
SPSB SS SPDR P St C Corp. ETF 0.07% 8,944 $269K Add +0.1%
HON Honeywell International Inc. 0.07% 1,186 $268K Reduce -0.8%
CB Chubb Ltd. 0.07% 821 $268K Reduce -5.7%
AMD Advanced Micro Devices 0.07% 1,298 $264K Reduce -12.0%
AVDE Avantis International Equity 0.07% 3,051 $259K New
XLI SS Industrial Select Sector 0.07% 1,600 $259K New
CTVA Corteva Inc. 0.06% 2,967 $248K Reduce -63.2%
V Visa Inc. Class A 0.06% 812 $245K Reduce -12.4%
KMI Kinder Morgan Inc. 0.06% 7,245 $243K New
TYA Simplify Intermediate Term 0.06% 18,000 $236K No change
BA The Boeing Co. 0.06% 1,164 $232K No change
EOSE Eos Energy Enterprises Inc. 0.06% 44,877 $223K No change
XT Ishar Fture Exp Tech ETF-Usd 0.06% 3,266 $223K No change
DFIV Dimensional International Va 0.06% 4,147 $219K No change
XBI SS SPDR S&P Biotech ETF 0.05% 1,675 $214K No change
AMAT Applied Materials Inc. 0.05% 622 $213K New
WOR Worthington Enterprises Inc. 0.05% 3,994 $208K No change
AVY Avery Dennison Corp. 0.05% 1,199 $207K Reduce -31.2%
PNBK Patriot National Bancorp Inc. 0.04% 121,828 $157K No change
LENZ Lenz Therapeutics Inc. 0.04% 15,186 $139K No change
BFLY Butterfly Network Inc. 0.03% 30,700 $124K Reduce -26.2%

Portfolio Sells Q4 2025 → Q1 2026
BNDX Vanguard Total Intl Bond ETF Reduce -35.4% 5.95% −3.24
EMB iShares JP Morgan Usd Emergi Reduce -47.8% 1.00% −0.95
SPTM SS SPDR P S&P 1500 Comp ETF Reduce -0.8% 7.39% −0.33
MSFT Microsoft Corp. Reduce -2.9% 0.74% −0.25
SPDW Ste STR SPDR PT DW Eu ETF Reduce -6.1% 7.61% −0.22
TFLO iShares Treasury Floating Ra Reduce -2.8% 10.32% −0.19
AAPL Apple Inc. Reduce -2.8% 1.31% −0.12
SLV iShares Silver Trust Sold out 0.00% −0.10
IAU iShares Gold Trust Sold out 0.00% −0.10
TXT Textron Inc. Sold out 0.00% −0.10
ACN Accenture PLC Class A Reduce -20.0% 0.14% −0.10
META Meta Platforms Inc. Class A Reduce -38.0% 0.11% −0.09
USHY iShares Broad Usd High Yield Sold out 0.00% −0.09
IBM Intl Business Machines Corp. Reduce -8.4% 0.23% −0.07
CTVA Corteva Inc. Reduce -63.2% 0.06% −0.07
C Citigroup Inc. Sold out 0.00% −0.07
IBIT iShares Bitcoin Trust ETF Reduce -0.5% 0.22% −0.06
UBER Uber Technologies Inc. Sold out 0.00% −0.06
AMZN Amazon.com Inc. Reduce -1.9% 0.47% −0.06
GFL GFL Environmental Inc.-Sub VT Sold out 0.00% −0.06
IVV iShares Core S&P 500 ETF Reduce -0.1% 1.31% −0.06
TRIN Trinity Capital Inc. Sold out 0.00% −0.06
KR Kroger Co. Sold out 0.00% −0.05
BBJP JPMorgan Betabuilders Japan Sold out 0.00% −0.05
SUB iShares Short-Term National Reduce -20.9% 0.20% −0.05
NVDA Nvidia Corp. Reduce -3.3% 0.45% −0.04
CRWD CrowdStrike Holdings Inc. Class A Reduce -20.8% 0.07% −0.04
SPEM State Street SP PTF Em ETF Reduce -3.2% 1.44% −0.03
GOOGL Alphabet Inc. Class A Reduce -1.9% 0.31% −0.03
AVY Avery Dennison Corp. Reduce -31.2% 0.05% −0.03
IWD iShares Russell 1000 Value E Reduce -5.8% 0.69% −0.03
AGG iShares Core U.S. Aggregate Reduce -8.9% 0.23% −0.02
EQT Eqt Corp. Reduce -34.0% 0.08% −0.02
V Visa Inc. Class A Reduce -12.4% 0.06% −0.02
VOO Vanguard S&P 500 ETF Reduce -2.4% 0.27% −0.02
LLY Eli Lilly & Co. Reduce -5.6% 0.08% −0.02
IVW iShares S&P 500 Growth ETF Reduce -0.2% 0.17% −0.01
AMD Advanced Micro Devices Reduce -12.0% 0.07% −0.01
BFLY Butterfly Network Inc. Reduce -26.2% 0.03% −0.01
SCHR Schwab Intermediate-Term US Reduce -8.0% 0.09% −0.01
MTUM iShares MSCI USA Momentum Fa Reduce -0.6% 0.13% −0.01
SHV iShares 0-1 Year Treasury Bo Reduce -2.4% 0.14% −0.00
NFLX Netflix Inc. Reduce -5.0% 0.09% −0.00
VT Vanguard Tot World STK ETF Reduce -0.1% 0.12% −0.00
IWM iShares Russell 2000 ETF Reduce -2.6% 0.09% −0.00
CB Chubb Ltd. Reduce -5.7% 0.07% −0.00
VTIP Vanguard Short-Term Tips Reduce -1.6% 0.38% +0.00
EEMV iShares MSCI Emg MKT Min Vol Reduce -0.0% 0.12% +0.00
GLD SPDR Gold Shares Reduce -5.0% 0.21% +0.01
HON Honeywell International Inc. Reduce -0.8% 0.07% +0.01

Portfolio Buys Q4 2025 → Q1 2026
BND Vanguard Total Bond Market Add +145.4% 3.90% +2.31
CMF iShares California Muni Bond Add +33.7% 3.77% +0.94
VGLT Vanguard Long-Term Treasury Add +59.3% 2.06% +0.77
MUB iShares National Muni Bond E Add +28.1% 3.03% +0.66
VWO Vanguard Ftse Emerging Marke Add +51.1% 1.49% +0.52
VTV Vanguard Mrngstr Val ETF-Aui Add +3.8% 4.87% +0.33
FLOT iShares Floating Rate Bond E New 0.21% +0.21
FBND Fidelity Total Bond ETF Add +57.8% 0.54% +0.20
XLU St Sr Utl SL SE SPDR ETF-Usd New 0.19% +0.19
OCGN Ocugen Inc. Add +4.2% 0.48% +0.14
VB Vanguard Most SM-Cap ETF-Usd Add +3.0% 2.13% +0.11
VGT Vanguard Info Tech ETF Add +37.2% 0.44% +0.10
EIS iShares MSCI Israel ETF Add +120.6% 0.12% +0.07
AVDE Avantis International Equity New 0.07% +0.07
XLI SS Industrial Select Sector New 0.07% +0.07
KMI Kinder Morgan Inc. New 0.06% +0.06
AMAT Applied Materials Inc. New 0.05% +0.05
VCIT Vanguard Int-Term Corporate Add +13.9% 0.37% +0.04
VBK Van Morst SML-Cap Gro-Usd Inc. Add +23.3% 0.20% +0.04
VGSH Vanguard Short-Term Treasury Add +12.9% 0.32% +0.04
AVUV Avantis US Small Cap Value Add +30.2% 0.09% +0.03
MU Micron Technology Inc. Add +8.0% 0.08% +0.02
CSX CSX Corp. Add +2.3% 0.12% +0.02
SPIP SS SPDR P Tips ETF Add +2.2% 0.48% +0.01
VXUS Vanguard Total Intl Stock Add +7.5% 0.15% +0.01
SPTS SS SPDR P St Term TSY ETF Add +0.0% 3.04% +0.01
MO Altria Group Inc. Add +5.0% 0.07% +0.01
IEI iShares 3-7 Year Treasury Bo Add +0.3% 3.09% +0.01
TSLA Tesla Inc. Add +26.0% 0.12% +0.01
SPIB SS SPDR P Int C Corp. ETF Add +1.1% 0.49% +0.01
SPAB SS SPDR P Agg Bond ETF Add +0.0% 1.40% +0.00
SPSB SS SPDR P St C Corp. ETF Add +0.1% 0.07% +0.00
QQQ Invesco QQQ Trust Series 1 Add +5.6% 0.72% −0.00
NZF Nuveen Municipal Credit Inc. Add +0.5% 0.13% −0.00
SCHX Schwab US Large-Cap ETF Add +0.8% 0.08% −0.00
SPY SS SPDR S&P 500 ETF Trust-US Add +0.7% 0.10% −0.00
PLTR Palantir Technologies Inc. Class A Add +16.1% 0.09% −0.00
BRK.B Berkshire Hathaway Inc. Class B Add +3.2% 1.01% −0.01
GOOG Alphabet Inc. Class C Add +1.8% 0.21% −0.01
VTI VG Morningstar TS MKT ETF-US Add +3.1% 3.19% −0.02
ORCL Oracle Corp. Add +0.1% 0.28% −0.09
VUG Vanguard Mrngstar GR ETF-Sui Add +4.8% 2.13% −0.12

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