Q3 2026 13F · SEC CIK 1965915

Rf&l Wealth Management, LLC

Wealth managerFiled 2026-10-20 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $148.8M
Reported positions: 51
Top holdings a year, 3 yrs: +18.3%
Assets under management: $381.1M

Rf&l Wealth Management, LLC is a wealth manager that reported 51 positions worth $148.8M in its Q3 2026 13F, filed 2026-10-20. Its largest holdings were Dimensional ETF Trust (DFAT, 12.8%), Dimensional ETF Trust (DFAC, 8.4%), Dimensional ETF Trust (DFUS, 8.1%). A portfolio copying its top holdings returned 18.3% a year over the last 3 years, against 20.4% for the S&P 500.

Rf&l Wealth Management, LLC holdings largest 50 of 51 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Rf&l Wealth Management, LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
DFATDimensional ETF Trust	12.8%	13.7%	285,729	-1.1%	$19.0M
DFACDimensional ETF Trust	8.4%	8.5%	282,751	+0.0%	$12.6M
DFUSDimensional ETF Trust	8.1%	8.1%	144,723	-0.6%	$12.0M
DFUVDimensional ETF Trust	7.3%	7.4%	197,810	-0.1%	$10.9M
BSVVanguard Bd Index Fds	6.6%	6.5%	128,354	+3.3%	$9.8M
DFIVDimensional ETF Trust	4.8%	4.6%	127,306	+0.4%	$7.1M
DFASDimensional ETF Trust	4.8%	5.1%	91,461	+0.4%	$7.1M
VOOVanguard Index Fds	4.5%	4.3%	9,505	+3.1%	$6.7M
VTIVanguard Index Fds	3.6%	3.6%	14,422	-0.0%	$5.4M
FNDCSchwab Strategic Tr	3.5%	3.5%	104,747	-0.7%	$5.2M
ITOTIshares Tr	3.4%	3.3%	30,014	+0.0%	$5.0M
VBRVanguard Index Fds	3.3%	3.5%	21,191	-0.1%	$4.9M
IEMGIshares Inc	2.8%	2.9%	51,774	+0.3%	$4.2M
LLYEli Lilly & Co	2.5%	2.7%	3,270	+0.0%	$3.8M
IDEVIshares Tr	1.9%	1.9%	31,352	+0.8%	$2.8M
NVDANvidia Corporation	1.7%	1.5%	10,917	+0.1%	$2.5M
IWDIshares Tr	1.6%	1.6%	9,575	+1.3%	$2.4M
FNDFSchwab Strategic Tr	1.5%	1.5%	41,805	-0.9%	$2.2M
ABBVAbbvie Inc	1.4%	1.4%	8,110	-4.3%	$2.1M
DFAXDimensional ETF Trust	1.0%	1.1%	41,686	-1.3%	$1.5M
DISVDimensional ETF Trust	1.0%	0.9%	35,301	+4.6%	$1.5M
AAPLApple Inc	1.0%	1.0%	4,253	-16.7%	$1.4M
IVEIshares Tr	0.9%	New	6,000	—	$1.4M
BSVOEa Series Trust	0.8%	0.8%	44,286	+6.0%	$1.2M
VWOVanguard Intl Equity Index F	0.7%	0.8%	18,765	-0.5%	$1.1M
DFEMDimensional ETF Trust	0.7%	0.8%	27,937	+1.8%	$1.1M
IWMIshares Tr	0.7%	0.8%	3,901	+0.0%	$1.1M
VTVVanguard Index Fds	0.7%	0.7%	4,863	+0.0%	$1.1M
IJRIshares Tr	0.7%	0.7%	7,245	+0.1%	$986K
IWNIshares Tr	0.7%	0.7%	4,640	-1.1%	$972K
ABTAbbott Laboratories	0.6%	0.6%	9,494	+0.0%	$938K
COSTCostco Wholesale Corporation	0.5%	0.5%	865	+0.0%	$787K
SCZIshares Tr	0.5%	0.5%	9,250	+0.0%	$781K
GLGlobe Life Inc	0.5%	0.4%	4,297	+25.9%	$712K
SPDWSpdr Index Shs Fds	0.4%	0.4%	12,533	+0.5%	$629K
SCHXSchwab Strategic Tr	0.4%	0.4%	20,001	+0.0%	$600K
MSFTMicrosoft Corp	0.4%	0.3%	1,089	+0.2%	$559K
BRK-BBerkshire Hathaway Inc Del	0.4%	0.4%	1,112	+0.0%	$554K
AMZNAmazon Com Inc	0.3%	0.3%	1,840	+0.2%	$458K
SPYState Str Spdr S&p 500 ETF T	0.3%	0.3%	547	-3.5%	$417K
SOSouthern Co	0.3%	0.3%	4,852	+0.0%	$402K
MGKVanguard World Fd	0.3%	0.2%	4,075	+0.0%	$378K
CVXChevron Corporation	0.2%	0.2%	1,765	+0.3%	$360K
GOOGLAlphabet Inc	0.2%	0.2%	1,018	+0.2%	$350K
JPMJpmorgan Chase & Co	0.2%	0.2%	942	+0.4%	$312K
BIVVanguard Bd Index Fds	0.2%	0.2%	4,045	+19.9%	$295K
FMDEFidelity Covington Trust	0.2%	New	7,291	—	$294K
OHIOmega Healthcare Invs Inc	0.2%	0.2%	6,024	+0.0%	$279K
VUGVanguard Index Fds	0.2%	0.2%	2,710	+1.5%	$244K
VEUVanguard Intl Equity Index F	0.1%	0.1%	2,500	+0.0%	$207K

What Rf&l Wealth Management, LLC bought and sold in Q3 2026, against Q2 2026.

New positions

IVE Ishares Tr0.9% of 13F
FMDE Fidelity Covington Trust0.2% of 13F

Added to

Reduced

AAPL Apple Inc-16.7% shares

Left the top 50

BIL Spdr Series Trustwas 0.2%
TSLA Tesla Incwas 0.2%

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +22.0% /yr; S&P 500 +20.1%
3 years: +18.3% /yr; S&P 500 +20.4%
5 years: —

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$148.8M	51
Q2 2026	$147.8M	50
Q1 2026	$133.6M	52
Q4 2025	$178.4M	62
Q3 2025	$170.4M	60
Q2 2025	$155.2M	59
Q1 2025	$139.8M	58
Q4 2024	$141.4M	57
Q3 2024	$141.3M	58
Q2 2024	$131.4M	56
Q1 2024	$129.8M	56
Q4 2023	$120.3M	55

Questions about Rf&l Wealth Management, LLC's portfolio

What stocks does Rf&l Wealth Management, LLC own?

Rf&l Wealth Management, LLC's latest 13F, for Q3 2026 and filed Oct 20, 2026, lists 51 positions worth $148.8M. The largest are Dimensional ETF Trust (DFAT) at 12.8%, Dimensional ETF Trust (DFAC) at 8.4%, Dimensional ETF Trust (DFUS) at 8.1%, Dimensional ETF Trust (DFUV) at 7.3% and Vanguard Bd Index Fds (BSV) at 6.6%.

What did Rf&l Wealth Management, LLC buy last quarter?

In Q3 2026, Rf&l Wealth Management, LLC added a new position in Ishares Tr (IVE), a new position in Fidelity Covington Trust (FMDE), Globe Life Inc (GL) (+25.9% shares), Vanguard Bd Index Fds (BIV) (+19.9% shares) and Ea Series Trust (BSVO) (+6.0% shares), compared with its Q2 2026 filing.

What did Rf&l Wealth Management, LLC sell last quarter?

In Q3 2026, Rf&l Wealth Management, LLC cut from its top 50 Spdr Series Trust (BIL), cut from its top 50 Tesla Inc (TSLA) and Apple Inc (AAPL) (-16.7% shares), compared with its Q2 2026 filing.

How has Rf&l Wealth Management, LLC's portfolio performed?

A portfolio copying Rf&l Wealth Management, LLC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +18.3% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +22.0% against +20.1%.

When is Rf&l Wealth Management, LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Rf&l Wealth Management, LLC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Rf&l Wealth Management, LLC manage?

Rf&l Wealth Management, LLC reported $381.1M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $148.8M.