# Rinkey Investments

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1730774. Source: https://holderbook.com/funds/1730774-rinkey-investments/

- Reported value: $424.8M
- Positions: 128
- Weight of the ten largest: 57.3%
- Filed: 2026-07-20

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| ISHARES TR | [TFLO](https://holderbook.com/stocks/TFLO/) | $48.7M | 961,211 | 11.5% | 16 |
| SPDR SERIES TRUST | [SPTM](https://holderbook.com/stocks/SPTM/) | $33.0M | 363,352 | 7.8% | 19 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $32.2M | 639,738 | 7.6% | 19 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $23.5M | 330,467 | 5.5% | 15 |
| VANGUARD CHARLOTTE FDS | [BNDX](https://holderbook.com/stocks/BNDX/) | $23.1M | 477,491 | 5.4% | 8 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $23.0M | 105,750 | 5.4% | 8 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $17.1M | 233,157 | 4.0% | 14 |
| ISHARES TR | [CMF](https://holderbook.com/stocks/CMF/) | $15.4M | 266,511 | 3.6% | 19 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $14.8M | 39,953 | 3.5% | 15 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $12.4M | 115,606 | 2.9% | 19 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $10.6M | 123,408 | 2.5% | 8 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $10.1M | 33,327 | 2.4% | 8 |
| VANGUARD SCOTTSDALE FDS | [VGLT](https://holderbook.com/stocks/VGLT/) | $8.2M | 149,291 | 1.9% | 8 |
| SPDR SERIES TRUST | [SPTS](https://holderbook.com/stocks/SPTS/) | $8.1M | 278,526 | 1.9% | 16 |
| ISHARES TR | [IEI](https://holderbook.com/stocks/IEI/) | $7.0M | 59,819 | 1.7% | 16 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $6.9M | 115,190 | 1.6% | 15 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $6.2M | 119,924 | 1.5% | 19 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $6.1M | 175,707 | 1.4% | 6 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $5.9M | 7,831 | 1.4% | 11 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $5.7M | 19,648 | 1.3% | 19 |
| SPDR SERIES TRUST | [SPAB](https://holderbook.com/stocks/SPAB/) | $5.4M | 210,919 | 1.3% | 19 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $5.2M | 144,667 | 1.2% | 6 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $4.9M | 50,387 | 1.1% | 11 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $4.1M | 8,274 | 1.0% | 15 |
| ISHARES TR | [EMB](https://holderbook.com/stocks/EMB/) | $3.9M | 40,795 | 0.9% | 19 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $3.9M | 5,254 | 0.9% | 4 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $3.1M | 8,439 | 0.7% | 19 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $2.8M | 11,658 | 0.7% | 10 |
| PROGRESSIVE CORP | [PGR](https://holderbook.com/stocks/PGR/) | $2.4M | 11,073 | 0.6% | 11 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $2.4M | 19,935 | 0.6% | 16 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $2.1M | 46,065 | 0.5% | 7 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $2.1M | 8,787 | 0.5% | 19 |
| VANGUARD SCOTTSDALE FDS | [VGSH](https://holderbook.com/stocks/VGSH/) | $2.1M | 35,656 | 0.5% | 8 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $2.1M | 60,688 | 0.5% | 6 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $2.0M | 2,185 | 0.5% | 16 |
| SPDR SERIES TRUST | [SPIB](https://holderbook.com/stocks/SPIB/) | $2.0M | 60,896 | 0.5% | 19 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $2.0M | 10,108 | 0.5% | 10 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $1.9M | 22,798 | 0.4% | 8 |
| SPDR SERIES TRUST | [SPIP](https://holderbook.com/stocks/SPIP/) | $1.8M | 71,130 | 0.4% | 19 |
| BROOKFIELD CORP | [BN](https://holderbook.com/stocks/BN/) | $1.8M | 42,547 | 0.4% | 10 |
| VANGUARD WHITEHALL FDS | [VWOB](https://holderbook.com/stocks/VWOB/) | $1.5M | 22,253 | 0.4% | 11 |
| VANGUARD MALVERN FDS | [VTIP](https://holderbook.com/stocks/VTIP/) | $1.5M | 29,006 | 0.3% | 11 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $1.4M | 10,480 | 0.3% | 9 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $1.2M | 1,803 | 0.3% | 15 |
| T-MOBILE US INC | [TMUS](https://holderbook.com/stocks/TMUS/) | $1.2M | 7,228 | 0.3% | 11 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.2M | 3,382 | 0.3% | 11 |
| TRAVELERS COMPANIES INC | [TRV](https://holderbook.com/stocks/TRV/) | $1.1M | 3,368 | 0.3% | 4 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $1.0M | 3,703 | 0.2% | 11 |
| ISHARES TR | [SOXX](https://holderbook.com/stocks/SOXX/) | $1.0M | 1,610 | 0.2% | 13 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $1.0M | 5,415 | 0.2% | 4 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.0M | 2,869 | 0.2% | 8 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $945.1K | 2,247 | 0.2% | 8 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $932.2K | 2,549 | 0.2% | 11 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $901.3K | 9,106 | 0.2% | 19 |
| STRYKER CORPORATION | [SYK](https://holderbook.com/stocks/SYK/) | $853.8K | 2,712 | 0.2% | 15 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $828.2K | 6,022 | 0.2% | 4 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $780.4K | 5,325 | 0.2% | 11 |
| ISHARES TR | [SUB](https://holderbook.com/stocks/SUB/) | $762.9K | 7,165 | 0.2% | 4 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $743.5K | 9,228 | 0.2% | 4 |
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $734.4K | 12,451 | 0.2% | 1 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $725.6K | 2,110 | 0.2% | 4 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $720.2K | 1,955 | 0.2% | 19 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $704.5K | 8,241 | 0.2% | 5 |
| ISHARES TR | [MTUM](https://holderbook.com/stocks/MTUM/) | $704.5K | 2,055 | 0.2% | 4 |
| ISHARES BITCOIN TRUST ETF | [IBIT](https://holderbook.com/stocks/IBIT/) | $697.6K | 20,956 | 0.2% | 10 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $692.3K | 2,030 | 0.2% | 7 |
| SELECT SECTOR SPDR TR | [XLU](https://holderbook.com/stocks/XLU/) | $679.0K | 14,975 | 0.2% | 2 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $672.1K | 1,157 | 0.2% | 3 |
| SCHWAB STRATEGIC TR | [SCHP](https://holderbook.com/stocks/SCHP/) | $669.2K | 25,252 | 0.2% | 19 |
| NUVEEN AMT FREE MUN CR INC F | [NVG](https://holderbook.com/stocks/NVG/) | $657.9K | 51,400 | 0.2% | 10 |
| ISHARES TR | [FLOT](https://holderbook.com/stocks/FLOT/) | $655.3K | 12,837 | 0.2% | 2 |
| NUVEEN MUN CR INCOME FD | [NZF](https://holderbook.com/stocks/NZF/) | $645.7K | 50,925 | 0.2% | 10 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $614.1K | 532 | 0.1% | 3 |
| ARK ETF TR | [ARKK](https://holderbook.com/stocks/ARKK/) | $596.7K | 7,383 | 0.1% | 1 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $581.2K | 2,392 | 0.1% | 11 |
| VANECK ETF TRUST | [ITM](https://holderbook.com/stocks/ITM/) | $569.0K | 12,109 | 0.1% | 4 |
| CROWDSTRIKE HLDGS INC | [CRWD](https://holderbook.com/stocks/CRWD/) | $559.4K | 733 | 0.1% | 5 |
| ISHARES TR | [SHV](https://holderbook.com/stocks/SHV/) | $545.6K | 4,944 | 0.1% | 5 |
| ISHARES INC | [EIS](https://holderbook.com/stocks/EIS/) | $539.5K | 4,469 | 0.1% | 3 |
| VANGUARD INTL EQUITY INDEX F | [VT](https://holderbook.com/stocks/VT/) | $539.1K | 3,435 | 0.1% | 4 |
| CSX CORP | [CSX](https://holderbook.com/stocks/CSX/) | $534.2K | 11,240 | 0.1% | 5 |
| ISHARES TR | [IAGG](https://holderbook.com/stocks/IAGG/) | $513.6K | 10,150 | 0.1% | 1 |
| NUVEEN AMT FREE QLTY MUN INC | [NEA](https://holderbook.com/stocks/NEA/) | $510.7K | 43,500 | 0.1% | 3 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $503.0K | 17,090 | 0.1% | 9 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $493.0K | 875 | 0.1% | 5 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $482.6K | 4,261 | 0.1% | 5 |
| ISHARES INC | [EEMV](https://holderbook.com/stocks/EEMV/) | $473.7K | 6,293 | 0.1% | 4 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $463.6K | 3,716 | 0.1% | 3 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $455.5K | 610 | 0.1% | 19 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $449.7K | 622 | 0.1% | 2 |
| ISHARES TR | [GOVT](https://holderbook.com/stocks/GOVT/) | $411.3K | 18,057 | 0.1% | 10 |
| ISHARES TR | [DGRO](https://holderbook.com/stocks/DGRO/) | $354.5K | 4,677 | 0.1% | 4 |
| SCHWAB STRATEGIC TR | [SCHR](https://holderbook.com/stocks/SCHR/) | $351.4K | 14,251 | 0.1% | 4 |
| ISHARES TR | [ITA](https://holderbook.com/stocks/ITA/) | $342.3K | 1,412 | 0.1% | 1 |
| BUTTERFLY NETWORK INC | [BFLY](https://holderbook.com/stocks/BFLY/) | $340.2K | 40,400 | 0.1% | 11 |
| SCHWAB STRATEGIC TR | [SCHH](https://holderbook.com/stocks/SCHH/) | $337.7K | 14,263 | 0.1% | 4 |
| CHUBB LIMITED | [CB](https://holderbook.com/stocks/CB/) | $336.3K | 987 | 0.1% | 3 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $320.1K | 3,588 | 0.1% | 2 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $319.8K | 977 | 0.1% | 5 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $312.8K | 655 | 0.1% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +7.2% | +14.8% | -7.7% | 100% |
| Q1 2026 | -1.1% | -4.6% | +3.5% | 100% |
| Q4 2025 | +0.8% | +2.4% | -1.6% | 100% |
| Q3 2025 | +4.6% | +7.8% | -3.2% | 100% |
| Q2 2025 | +4.8% | +10.5% | -5.7% | 100% |
| Q1 2025 | +0.1% | -4.6% | +4.6% | 100% |
| Q4 2024 | -2.0% | +2.1% | -4.2% | 100% |
| Q3 2024 | +4.9% | +5.4% | -0.6% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $424.8M | 128 |
| Q1 2026 | $391.0M | 125 |
| Q4 2025 | $393.8M | 129 |
| Q3 2025 | $376.9M | 126 |
| Q2 2025 | $332.8M | 100 |
| Q1 2025 | $315.7M | 95 |
| Q4 2024 | $312.5M | 90 |
| Q3 2024 | $309.0M | 81 |
| Q2 2024 | $278.3M | 72 |
| Q1 2024 | $274.4M | 71 |
| Q4 2023 | $253.9M | 61 |
| Q3 2023 | $218.3M | 47 |