RKL Wealth Management LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 12, 2025), RKL Wealth Management LLC reported 178 stock positions worth $1.2 billion. Its top holding was iShares Core S&P 500 ETF (IVV) at 21.7% of the portfolio, followed by iShares Core MSCI Eafe ETF (IEFA, 8.8%) and iShares Core S&P Midcap ETF (IJH, 6.9%). Compared with Q2 2025, it opened 7 new positions, sold out of 5, added to 50 and reduced 94. The biggest buy was SS SPDR P S&P 600 Small Cap (SPSM, shares +8%) and the biggest sale Costco Wholesale (COST, shares −13%).
- Most Recent 13F
- Q2 2026
- Location
- LANCASTER, PA
- CIK
- 0001604723
- Portfolio Value
- $1.2B (Q3 2025)
- SEC Filing
- 0001604723-25-000003 ↗ filed Nov 12, 2025
Holdings Value
Holdings 178 stocks · $1.2B
| IVV iShares Core S&P 500 ETF | 21.67% | 379,808 | $254.2M | Reduce -3.0% |
| IEFA iShares Core MSCI Eafe ETF | 8.84% | 1,188,224 | $103.7M | Reduce -1.2% |
| IJH iShares Core S&P Midcap ETF | 6.91% | 1,241,548 | $81.0M | Reduce -1.0% |
| SCHX Schwab US Large-Cap ETF | 4.87% | 2,168,519 | $57.1M | Reduce -7.2% |
| IJR iShares Core S&P Small-Cap E | 4.20% | 414,333 | $49.2M | Reduce -0.5% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 2.90% | 594,975 | $34.0M | Add +7.3% |
| AAPL Apple Inc. | 2.71% | 124,968 | $31.8M | Reduce -5.0% |
| VGIT Vanguard Intermediate-Term T | 2.36% | 460,537 | $27.6M | Add +2.1% |
| MSFT Microsoft Corp. | 2.29% | 51,916 | $26.9M | Reduce -10.7% |
| IEMG iShares Core MSCI Emerging | 2.12% | 377,278 | $24.9M | Reduce -1.9% |
| SPSM SS SPDR P S&P 600 Small Cap | 2.04% | 517,702 | $24.0M | Add +8.3% |
| SCHM Schwab US Mid Cap ETF | 1.92% | 761,764 | $22.6M | Reduce -8.4% |
| VCIT Vanguard Int-Term Corporate | 1.90% | 265,337 | $22.3M | Add +0.8% |
| SCHG Schwab US Large-Cap Growth | 1.90% | 697,063 | $22.2M | Reduce -7.2% |
| GOOGL Alphabet Inc. Class A | 1.64% | 79,268 | $19.3M | Reduce -10.2% |
| NVDA Nvidia Corp. | 1.63% | 102,694 | $19.2M | Reduce -13.6% |
| MBB iShares MBS ETF | 1.63% | 201,359 | $19.2M | Reduce -1.2% |
| VMBS Vanguard Mortgage-Backed Sec | 1.58% | 395,522 | $18.6M | Add +9.3% |
| SCHA Schwab US Small-Cap ETF | 1.28% | 539,057 | $15.0M | Reduce -9.3% |
| SCHF Schwab Intl Equity ETF | 1.28% | 644,996 | $15.0M | Reduce -6.2% |
| AMZN Amazon.com Inc. | 1.22% | 65,201 | $14.3M | Reduce -13.0% |
| COST Costco Wholesale Corp. | 1.06% | 13,486 | $12.5M | Reduce -13.0% |
| MA Mastercard Inc. Class A | 0.78% | 16,091 | $9.2M | Reduce -14.0% |
| AGZ iShares Agency Bond ETF | 0.75% | 79,491 | $8.8M | Add +1.4% |
| JPM JPMorgan Chase & Co. | 0.65% | 24,310 | $7.7M | Reduce -4.6% |
| IVW iShares S&P 500 Growth ETF | 0.58% | 56,196 | $6.8M | Reduce -14.2% |
| AGG iShares Core U.S. Aggregate | 0.56% | 66,088 | $6.6M | Add +1.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.52% | 20,661 | $6.1M | Reduce -7.5% |
| TMO Thermo Fisher Scientific Inc. | 0.50% | 12,205 | $5.9M | Reduce -14.5% |
| URI United Rentals Inc. | 0.50% | 6,174 | $5.9M | Reduce -10.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.44% | 7,682 | $5.1M | Reduce -2.7% |
| JNJ Johnson & Johnson | 0.43% | 27,326 | $5.1M | Reduce -1.7% |
| VOO Vanguard S&P 500 ETF | 0.40% | 7,609 | $4.7M | Reduce -9.3% |
| SCHE Schwab Emrg Mrkts Eqty ETF | 0.39% | 135,922 | $4.5M | Reduce -10.2% |
| NVO Novo-Nordisk A/S-Spons ADR | 0.38% | 79,503 | $4.4M | Reduce -5.3% |
| TSLA Tesla Inc. | 0.37% | 9,832 | $4.4M | Reduce -8.7% |
| BX Blackstone Inc. | 0.37% | 25,546 | $4.4M | Reduce -8.7% |
| CVX Chevron Corp. | 0.37% | 27,960 | $4.3M | Reduce -5.0% |
| MU Micron Technology Inc. | 0.36% | 25,253 | $4.2M | Reduce -2.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.36% | 8,325 | $4.2M | Reduce -1.6% |
| SCHV Schwab US Large-Cap Value | 0.35% | 139,206 | $4.1M | Reduce -5.7% |
| CRWD CrowdStrike Holdings Inc. Class A | 0.33% | 7,908 | $3.9M | Reduce -3.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.33% | 13,647 | $3.9M | Reduce -2.7% |
| ABBV Abbvie Inc. | 0.32% | 16,420 | $3.8M | Add +1.1% |
| IVE iShares S&P 500 Value ETF | 0.31% | 17,861 | $3.7M | Reduce -6.1% |
| META Meta Platforms Inc. Class A | 0.31% | 4,873 | $3.6M | Reduce -14.2% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.30% | 33,725 | $3.5M | Reduce -7.0% |
| UNP Union Pacific Corp. | 0.30% | 14,886 | $3.5M | Reduce -12.8% |
| TT Trane Technologies PLC | 0.29% | 7,936 | $3.3M | Reduce -11.9% |
| VEA Vanguard Ftse Developed ETF | 0.28% | 55,389 | $3.3M | Add +0.3% |
| ICE Intercontinental Exchange Inc. | 0.27% | 18,993 | $3.2M | Reduce -3.5% |
| LHX L3HARRIS Technologies Inc. | 0.26% | 10,013 | $3.1M | Reduce -3.7% |
| WMT Walmart Inc. | 0.25% | 28,797 | $3.0M | Reduce -5.4% |
| ROP Roper Technologies Inc. | 0.25% | 5,912 | $2.9M | Reduce -14.5% |
| PG The Procter & Gamble Co. | 0.25% | 19,019 | $2.9M | Reduce -3.3% |
| IWM iShares Russell 2000 ETF | 0.25% | 12,004 | $2.9M | Reduce -10.3% |
| MCD McDonald's Corp. | 0.23% | 8,962 | $2.7M | Reduce -11.7% |
| GD General Dynamics Corp. | 0.22% | 7,667 | $2.6M | Reduce -0.3% |
| XOM Exxon Mobil Corp. | 0.21% | 21,434 | $2.4M | Reduce -3.5% |
| MO Altria Group Inc. | 0.21% | 36,489 | $2.4M | Add +0.0% |
| HD Home Depot Inc. | 0.20% | 5,903 | $2.4M | Reduce -1.1% |
| EOG EOG Resources Inc. | 0.20% | 21,235 | $2.4M | Add +0.5% |
| PM Philip Morris International | 0.20% | 14,428 | $2.3M | No change |
| IWF iShares Russell 1000 Growth | 0.19% | 4,755 | $2.2M | No change |
| CAT Caterpillar Inc. | 0.18% | 4,384 | $2.1M | Reduce -2.2% |
| IEI iShares 3-7 Year Treasury Bo | 0.18% | 17,463 | $2.1M | Reduce -1.6% |
| QLTA iShares Aaa - A Rated Corpor | 0.17% | 41,654 | $2.0M | Reduce -4.1% |
| PEP Pepsico Inc. | 0.17% | 14,310 | $2.0M | Add +0.4% |
| LLY Eli Lilly & Co. | 0.17% | 2,608 | $2.0M | Reduce -6.3% |
| ITW Illinois Tool Works | 0.17% | 7,533 | $2.0M | Reduce -2.8% |
| ADP Automatic Data Processing | 0.15% | 5,841 | $1.7M | Reduce -20.4% |
| IWD iShares Russell 1000 Value E | 0.14% | 8,270 | $1.7M | No change |
| SCHB Schwab US Broad Market ETF | 0.14% | 64,737 | $1.7M | Reduce -1.3% |
| MPB Mid Penn Bancorp Inc. | 0.13% | 55,230 | $1.6M | No change |
| PLD Prologis Inc. | 0.13% | 13,150 | $1.5M | Add +1.0% |
| MKL Markel Group Inc. | 0.13% | 778 | $1.5M | No change |
| AVGO Broadcom Inc. | 0.12% | 4,378 | $1.4M | Add +7.4% |
| HSY The Hershey Co. | 0.11% | 7,007 | $1.3M | Add +0.7% |
| DGRW Wisdomtree U.S. Quality Divi | 0.11% | 14,400 | $1.3M | Reduce -9.9% |
| GOOG Alphabet Inc. Class C | 0.11% | 5,106 | $1.2M | Add +2.0% |
| USXF iShares ESG Advance MSCI USA | 0.11% | 21,575 | $1.2M | Add +0.2% |
| MRK Merck & Co. Inc. | 0.10% | 14,551 | $1.2M | Add +3.9% |
| GLD SPDR Gold Shares | 0.10% | 3,412 | $1.2M | New |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.10% | 2,422 | $1.2M | Add +0.0% |
| OKE Oneok Inc. | 0.10% | 15,810 | $1.2M | Add +7.2% |
| DHI D.R. Horton Inc. | 0.10% | 6,663 | $1.1M | Reduce -23.8% |
| FULT Fulton Financial Corp. | 0.09% | 57,500 | $1.1M | Add +16.9% |
| EMN Eastman Chemical Co. | 0.09% | 16,641 | $1.0M | Add +4.1% |
| IXUS iShares Core Intl Stock ETF | 0.09% | 12,354 | $1.0M | Reduce -0.2% |
| AEM Agnico Eagle Mines Ltd. | 0.09% | 6,000 | $1.0M | New |
| IJK iShares S&P Mid-Cap 400 Grow | 0.09% | 10,481 | $1.0M | Add +0.1% |
| IWR iShares Russell Mid-Cap ETF | 0.09% | 10,341 | $998K | Reduce -28.2% |
| KO The Coca-Cola Co. | 0.09% | 15,046 | $998K | Add +0.6% |
| NKE Nike Inc. Class B | 0.08% | 13,990 | $976K | Reduce -6.4% |
| T AT&T Inc. | 0.08% | 33,805 | $955K | Reduce -1.5% |
| SPIB SS SPDR P Int C Corp. ETF | 0.08% | 27,509 | $932K | Reduce -20.5% |
| CEG Constellation Energy | 0.08% | 2,819 | $928K | No change |
| VXUS Vanguard Total Intl Stock | 0.08% | 12,628 | $928K | Reduce -11.9% |
| MTB M & T Bank Corp. filed as M & T BK CORP | 0.08% | 4,598 | $909K | Add +0.3% |
| EFA iShares MSCI Eafe ETF | 0.08% | 9,714 | $907K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| COST Costco Wholesale Corp. | Reduce -13.0% | 1.06% | −0.28 |
| MSFT Microsoft Corp. | Reduce -10.7% | 2.29% | −0.25 |
| AMZN Amazon.com Inc. | Reduce -13.0% | 1.22% | −0.22 |
| SCHX Schwab US Large-Cap ETF | Reduce -7.2% | 4.87% | −0.15 |
| MA Mastercard Inc. Class A | Reduce -14.0% | 0.78% | −0.14 |
| NVO Novo-Nordisk A/S-Spons ADR | Reduce -5.3% | 0.38% | −0.13 |
| SCHM Schwab US Mid Cap ETF | Reduce -8.4% | 1.92% | −0.13 |
| ROP Roper Technologies Inc. | Reduce -14.5% | 0.25% | −0.09 |
| VOOG Vanguard S&P 500 Growth ETF | Sold out | 0.00% | −0.07 |
| META Meta Platforms Inc. Class A | Reduce -14.2% | 0.31% | −0.06 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -67.7% | 0.03% | −0.06 |
| TT Trane Technologies PLC | Reduce -11.9% | 0.29% | −0.06 |
| SCHF Schwab Intl Equity ETF | Reduce -6.2% | 1.28% | −0.06 |
| IVW iShares S&P 500 Growth ETF | Reduce -14.2% | 0.58% | −0.06 |
| ADP Automatic Data Processing | Reduce -20.4% | 0.15% | −0.05 |
| MBB iShares MBS ETF | Reduce -1.2% | 1.63% | −0.05 |
| UNP Union Pacific Corp. | Reduce -12.8% | 0.30% | −0.05 |
| ICE Intercontinental Exchange Inc. | Reduce -3.5% | 0.27% | −0.04 |
| SCHA Schwab US Small-Cap ETF | Reduce -9.3% | 1.28% | −0.04 |
| DHR Danaher Corp. | Reduce -50.0% | 0.04% | −0.04 |
| IBM Intl Business Machines Corp. | Reduce -2.7% | 0.33% | −0.04 |
| CRWD CrowdStrike Holdings Inc. Class A | Reduce -3.1% | 0.33% | −0.03 |
| SCHG Schwab US Large-Cap Growth | Reduce -7.2% | 1.90% | −0.03 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -7.5% | 0.52% | −0.03 |
| IWR iShares Russell Mid-Cap ETF | Reduce -28.2% | 0.09% | −0.03 |
| MCD McDonald's Corp. | Reduce -11.7% | 0.23% | −0.03 |
| SPTI SS SPDR P Int Term TSY ETF | Reduce -27.1% | 0.07% | −0.03 |
| PG The Procter & Gamble Co. | Reduce -3.3% | 0.25% | −0.03 |
| SPIB SS SPDR P Int C Corp. ETF | Reduce -20.5% | 0.08% | −0.02 |
| VOO Vanguard S&P 500 ETF | Reduce -9.3% | 0.40% | −0.02 |
| HON Honeywell International Inc. | Reduce -27.4% | 0.04% | −0.02 |
| ACN Accenture PLC Class A | Sold out | 0.00% | −0.02 |
| LLY Eli Lilly & Co. | Reduce -6.3% | 0.17% | −0.02 |
| MAR Marriott International Class A | Reduce -46.1% | 0.02% | −0.02 |
| LMT Lockheed Martin Corp. | Reduce -34.4% | 0.04% | −0.02 |
| VTV Vanguard Mrngstr Val ETF-Aui | Sold out | 0.00% | −0.02 |
| V Visa Inc. Class A | Reduce -23.4% | 0.05% | −0.02 |
| VLTO Veralto Corp. | Sold out | 0.00% | −0.02 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Sold out | 0.00% | −0.02 |
| NVDA Nvidia Corp. | Reduce -13.6% | 1.63% | −0.02 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Reduce -10.2% | 0.39% | −0.01 |
| SCHV Schwab US Large-Cap Value | Reduce -5.7% | 0.35% | −0.01 |
| NFLX Netflix Inc. | Reduce -26.7% | 0.02% | −0.01 |
| SCHR Schwab Intermediate-Term US | Reduce -23.3% | 0.04% | −0.01 |
| IVE iShares S&P 500 Value ETF | Reduce -6.1% | 0.31% | −0.01 |
| MAA Mid-America Apartment Comm | Reduce -8.1% | 0.06% | −0.01 |
| QLTA iShares Aaa - A Rated Corpor | Reduce -4.1% | 0.17% | −0.01 |
| NKE Nike Inc. Class B | Reduce -6.4% | 0.08% | −0.01 |
| WMT Walmart Inc. | Reduce -5.4% | 0.25% | −0.01 |
| DGRW Wisdomtree U.S. Quality Divi | Reduce -9.9% | 0.11% | −0.01 |
Portfolio Buys Q2 2025 → Q3 2025
| SPSM SS SPDR P S&P 600 Small Cap | Add +8.3% | 2.04% | +0.25 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +7.3% | 2.90% | +0.25 |
| VMBS Vanguard Mortgage-Backed Sec | Add +9.3% | 1.58% | +0.11 |
| GLD SPDR Gold Shares | New | 0.10% | +0.10 |
| AEM Agnico Eagle Mines Ltd. | New | 0.09% | +0.09 |
| ABBV Abbvie Inc. | Add +1.1% | 0.32% | +0.06 |
| GOOG Alphabet Inc. Class C | Add +2.0% | 0.11% | +0.03 |
| GLW Corning Inc. | New | 0.03% | +0.03 |
| AVGO Broadcom Inc. | Add +7.4% | 0.12% | +0.02 |
| SLV iShares Silver Trust | New | 0.02% | +0.02 |
| AMD Advanced Micro Devices | New | 0.02% | +0.02 |
| ORCL Oracle Corp. | Add +10.6% | 0.07% | +0.02 |
| MO Altria Group Inc. | Add +0.0% | 0.21% | +0.02 |
| MPC Marathon Petroleum Corp. | New | 0.02% | +0.02 |
| VLO Valero Energy Corp. | New | 0.02% | +0.02 |
| FULT Fulton Financial Corp. | Add +16.9% | 0.09% | +0.01 |
| HSY The Hershey Co. | Add +0.7% | 0.11% | +0.01 |
| BIBL Inspire 100 ETF | Add +28.3% | 0.04% | +0.01 |
| BNY Bank of New York Mellon Corp. | Add +0.1% | 0.07% | +0.01 |
| RTX RTX Corp. | Add +12.9% | 0.04% | +0.01 |
| GS Goldman Sachs Group Inc. | Add +8.6% | 0.05% | +0.01 |
| LOW Lowe's Cos Inc. | Add +16.7% | 0.04% | +0.01 |
| FRAF Franklin Financial Services | Add +0.1% | 0.04% | +0.01 |
| PLD Prologis Inc. | Add +1.0% | 0.13% | +0.01 |
| MRK Merck & Co. Inc. | Add +3.9% | 0.10% | +0.01 |
| VEA Vanguard Ftse Developed ETF | Add +0.3% | 0.28% | +0.01 |
| PEP Pepsico Inc. | Add +0.4% | 0.17% | +0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +0.0% | 0.10% | +0.01 |
| VTWO Vanguard Russell 2000 ETF | Add +0.4% | 0.04% | +0.00 |
| USXF iShares ESG Advance MSCI USA | Add +0.2% | 0.11% | +0.00 |
| VGT Vanguard Info Tech ETF | Add +7.2% | 0.02% | +0.00 |
| IWV iShares Russell 3000 ETF | Add +0.3% | 0.06% | +0.00 |
| MS Morgan Stanley | Add +0.1% | 0.03% | +0.00 |
| AXP American Express Co. | Add +9.2% | 0.02% | +0.00 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +0.5% | 0.08% | +0.00 |
| IJK iShares S&P Mid-Cap 400 Grow | Add +0.1% | 0.09% | +0.00 |
| ORRF Orrstown Finl Services Inc. | Add +0.6% | 0.04% | +0.00 |
| ITOT iShares Core S&P Total U.S. | Add +0.1% | 0.03% | +0.00 |
| DUK Duke Energy Corp. | Add +0.0% | 0.04% | +0.00 |
| SCHD Schwab US DVD Equity ETF | Add +0.3% | 0.03% | +0.00 |
| GLPI Gaming and Leisure Propertie | Add +1.5% | 0.02% | −0.00 |
| MTB M & T Bank Corp. | Add +0.3% | 0.08% | −0.00 |
| AGG iShares Core U.S. Aggregate | Add +1.9% | 0.56% | −0.00 |
| ABT Abbott Laboratories | Add +1.4% | 0.04% | −0.00 |
| KMB Kimberly-Clark Corp. | Add +0.0% | 0.03% | −0.00 |
| HEI.A Heico Corp. Class A | Add +0.1% | 0.04% | −0.00 |
| EMR Emerson Electric Co. | Add +0.1% | 0.05% | −0.00 |
| HEI Heico Corp. | Add +0.1% | 0.05% | −0.00 |
| YORW York Water Co. | Add +0.3% | 0.04% | −0.00 |
| DE Deere & Co. | Add +4.9% | 0.05% | −0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 189 | $1.3B | IVV, IEFA, IJH, IJR, SCHX |
| Q1 2026 | 179 | $1.1B | IVV, IEFA, IJH, SCHX, IJR |
| Q4 2025 | 183 | $1.2B | IVV, IEFA, IJH, SCHX, IJR |
| Q3 2025 | 178 | $1.2B | IVV, IEFA, IJH, SCHX, IJR |
| Q2 2025 | 176 | $1.1B | IVV, IEFA, IJH, SCHX, IJR |
| Q1 2025 | 169 | $1.1B | IVV, IEFA, IJH, SCHX, IJR |
| Q4 2024 | 172 | $1.1B | IVV, SCHX, IEFA, IJH, IJR |
| Q3 2024 | 161 | $1.1B | IVV, SCHX, IEFA, IJH, SCHM |
| Q2 2024 | 145 | $1.0B | IVV, SCHX, IEFA, IJH, SCHM |
| Q1 2024 | 158 | $1.0B | IVV, SCHX, IEFA, IJH, SCHM |