# RF&L WEALTH MANAGEMENT, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1965915. Source: https://holderbook.com/funds/1965915-rf-l-wealth-management-llc/

- Reported value: $147.8M
- Positions: 50
- Weight of the ten largest: 65.2%
- Filed: 2026-07-22

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 |
|---|---|---|---|---|---|
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $20.2M | 288,960 | 13.7% | 15 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $12.5M | 282,692 | 8.5% | 15 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $11.9M | 145,653 | 8.1% | 15 |
| DIMENSIONAL ETF TRUST | [DFUV](https://holderbook.com/stocks/DFUV/) | $10.9M | 198,014 | 7.4% | 15 |
| VANGUARD BD INDEX FDS | [BSV](https://holderbook.com/stocks/BSV/) | $9.7M | 124,199 | 6.5% | 15 |
| DIMENSIONAL ETF TRUST | [DFAS](https://holderbook.com/stocks/DFAS/) | $7.5M | 91,061 | 5.1% | 15 |
| DIMENSIONAL ETF TRUST | [DFIV](https://holderbook.com/stocks/DFIV/) | $6.9M | 126,816 | 4.6% | 15 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $6.3M | 9,222 | 4.3% | 15 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $5.3M | 14,427 | 3.6% | 15 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $5.2M | 21,211 | 3.5% | 15 |
| SCHWAB STRATEGIC TR | [FNDC](https://holderbook.com/stocks/FNDC/) | $5.1M | 105,517 | 3.5% | 15 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $4.9M | 30,006 | 3.3% | 15 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $4.3M | 51,614 | 2.9% | 15 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $3.9M | 3,269 | 2.7% | 15 |
| ISHARES TR | [IDEV](https://holderbook.com/stocks/IDEV/) | $2.8M | 31,106 | 1.9% | 15 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $2.3M | 9,455 | 1.6% | 15 |
| SCHWAB STRATEGIC TR | [FNDF](https://holderbook.com/stocks/FNDF/) | $2.2M | 42,205 | 1.5% | 15 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $2.2M | 10,910 | 1.5% | 14 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $2.1M | 8,470 | 1.4% | 15 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $1.6M | 42,216 | 1.1% | 15 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $1.5M | 5,105 | 1.0% | 15 |
| DIMENSIONAL ETF TRUST | [DISV](https://holderbook.com/stocks/DISV/) | $1.4M | 33,735 | 0.9% | 15 |
| EA SERIES TRUST | [BSVO](https://holderbook.com/stocks/BSVO/) | $1.2M | 41,776 | 0.8% | 5 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $1.2M | 3,901 | 0.8% | 15 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $1.1M | 18,859 | 0.8% | 15 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $1.1M | 27,447 | 0.8% | 13 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $1.1M | 7,240 | 0.7% | 15 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $1.1M | 4,863 | 0.7% | 15 |
| ISHARES TR | [IWN](https://holderbook.com/stocks/IWN/) | $1.0M | 4,690 | 0.7% | 15 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $861.4K | 9,494 | 0.6% | 15 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $809.2K | 865 | 0.5% | 15 |
| ISHARES TR | [SCZ](https://holderbook.com/stocks/SCZ/) | $761.0K | 9,250 | 0.5% | 15 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $628.5K | 12,473 | 0.4% | 15 |
| GLOBE LIFE INC | [GL](https://holderbook.com/stocks/GL/) | $609.9K | 3,413 | 0.4% | 6 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $588.6K | 20,001 | 0.4% | 15 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $556.4K | 1,112 | 0.4% | 15 |
| SOUTHERN CO | [SO](https://holderbook.com/stocks/SO/) | $464.3K | 4,852 | 0.3% | 3 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $437.8K | 1,837 | 0.3% | 15 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $423.4K | 567 | 0.3% | 15 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $405.6K | 1,087 | 0.3% | 15 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $363.2K | 1,016 | 0.2% | 10 |
| VANGUARD WORLD FD | [MGK](https://holderbook.com/stocks/MGK/) | $358.2K | 4,075 | 0.2% | 11 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $307.2K | 938 | 0.2% | 15 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $291.7K | 1,760 | 0.2% | 15 |
| OMEGA HEALTHCARE INVS INC | [OHI](https://holderbook.com/stocks/OHI/) | $287.2K | 6,024 | 0.2% | 15 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $258.9K | 3,375 | 0.2% | 15 |
| SPDR SERIES TRUST | [BIL](https://holderbook.com/stocks/BIL/) | $244.2K | 2,665 | 0.2% | 4 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $230.0K | 2,670 | 0.2% | 1 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $229.2K | 545 | 0.2% | 14 |
| VANGUARD INTL EQUITY INDEX F | [VEU](https://holderbook.com/stocks/VEU/) | $209.4K | 2,500 | 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 | +11.8% | +14.8% | -3.1% | 100% |
| Q1 2026 | -1.4% | -4.6% | +3.2% | 100% |
| Q4 2025 | +2.3% | +2.4% | -0.0% | 100% |
| Q3 2025 | +7.2% | +7.8% | -0.6% | 100% |
| Q2 2025 | +7.8% | +10.5% | -2.6% | 100% |
| Q1 2025 | -2.7% | -4.6% | +1.8% | 100% |
| Q4 2024 | -0.1% | +2.1% | -2.3% | 100% |
| Q3 2024 | +6.3% | +5.4% | +0.9% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| 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 |
| Q3 2023 | $107.7M | 53 |