CIK: 0001965915
Total reported value
$133.6M
Reporting period: 2026-03-31 · Number of holdings: 52
RF&L WEALTH MANAGEMENT, LLC disclosed 52 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $133.6M and a quarterly turnover rate of 32.2%.
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Rf&l Wealth Management, LLC's disclosed holdings carry a Herfindahl concentration index of 0.056 — mathematically equivalent to about 18 equally-sized positions, well below its 52 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.40), with a handful of outsized bets alongside many smaller positions.
No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.
Sector classification currently covers about 10% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Add DFAT
-0.8% $699.9K
Trim AAPL
-83.1% -$6.4M
Trim AMZN
-92.9% -$5.6M
Trim MSFT
-89.4% -$4.6M
Add DFUV
-1.7% $211.3K
Add DFAC
-0.6% -$272.7K
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | DFAT | Dimensional US Target Value | ETF-Other | 13.55% | +3.80% | -0.82% | |
| 2 | DFAC | Dimensional US Core Equity 2 | ETF-Other | 8.24% | +1.92% | -0.59% | |
| 3 | DFUS | Dimensional US Eq Mkt ETF | ETF-Other | 7.74% | +1.66% | -0.29% | |
| 4 | DFUV | Dimensional US Marketwide Va | ETF-Other | 7.29% | +1.95% | -1.73% | |
| 5 | BSV | Vanguard Short-term Bond ETF | ETF-Other | 6.80% | +1.90% | +4.51% | |
| 6 | DFIV | Dimensional International Va | ETF-Other | 5.06% | +1.45% | -0.73% | |
| 7 | DFAS | Dimensional US Small Cap ETF | ETF-Small Cap | 4.84% | — | -2.26% | |
| 8 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 3.99% | +0.89% | +1.15% | |
| 9 | FNDC | Schwab Fndmnt Intl Sm Eq ETF | ETF-Other | 3.69% | +1.00% | -1.47% | |
| 10 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 3.61% | +0.68% | -3.77% | |
| 11 | VBR | Vanguard Small-cap Value ETF | ETF-Other | 3.50% | +0.79% | -5.84% | |
| 12 | ITOT | Ishares Core S&p Total U.s. | ETF-Other | 3.08% | — | +4.29% | |
| 13 | IEMG | Ishares Core Msci Emerging | ETF-Emerging Markets | 2.72% | +0.78% | +1.14% | |
| 14 | LLY | Eli Lilly & Co | Stock-Healthcare | 2.32% | +0.19% | -4.56% | |
| 15 | IDEV | Ishares Core Msci Dev Mkts | ETF-Other | 1.95% | +0.51% | +0.09% | |
| 16 | FNDF | Schwab Fndmn Intl Lrg Co ETF | ETF-Other | 1.57% | +0.46% | -1.59% | |
| 17 | IWD | Ishares Russell 1000 Value E | ETF-Other | 1.52% | +0.41% | +0.72% | |
| 18 | NVDA | Nvidia CORP | Stock-Tech | 1.42% | -1.22% | -56.85% | |
| 19 | ABBV | Abbvie INC | Stock-Healthcare | 1.42% | -0.76% | -48.72% | |
| 20 | DFAX | Dimensional World Ex US Core | ETF-Other | 1.08% | +0.30% | — | |
| 21 | DISV | Dimensional International Sm | ETF-Other | 1.01% | +0.31% | +3.73% | |
| 22 | AAPL | Apple INC | Stock-Tech | 0.90% | -3.37% | -83.10% | |
| 23 | BSVO | EA Bridgeway Omni Sm-Cp Val | ETF-Other | 0.83% | +0.33% | +12.59% | |
| 24 | VWO | Vanguard Ftse Emerging Marke | ETF-Emerging Markets | 0.79% | +0.18% | -3.14% | |
| 25 | IWM | Ishares Russell 2000 ETF | ETF-Small Cap | 0.74% | — | -1.92% | |
| 26 | DFEM | Dimensional Emrg Mrkt Core | ETF-Other | 0.74% | +0.21% | -0.64% | |
| 27 | ABT | Abbott Laboratories | Stock-Healthcare | 0.73% | +0.06% | — | |
| 28 | VTV | Vanguard Value ETF | ETF-Other | 0.73% | — | -1.20% | |
| 29 | IJR | Ishares Core S&p Small-cap E | ETF-Small Cap | 0.70% | +0.21% | +2.39% | |
| 30 | IWN | Ishares Russell 2000 Value E | ETF-Small Cap | 0.67% | +0.19% | — | |
| 31 | COST | Costco Wholesale CORP | Stock-Consumer Staples | 0.65% | -1.22% | -77.62% | |
| 32 | SCZ | Ishares Msci Eafe Small-cap | ETF-Other | 0.54% | — | — | |
| 33 | SPDW | Ste Str Spdr Pt Dw EU ETF | ETF-Other | 0.44% | — | -3.17% | |
| 34 | BRK-B | Berkshire Hathaway Inc-cl B | Stock-Other | 0.41% | +0.06% | -8.12% | |
| 35 | SCHX | Schwab US Large-cap ETF | ETF-Other | 0.38% | +0.08% | +0.20% | |
| 36 | GL | Globe Life INC | Stock-Financials | 0.38% | +0.07% | -7.10% | |
| 37 | SO | Southern Co/the | Stock-Utilities | 0.35% | +0.11% | — | |
| 38 | FTEC | Fidelity Msci Info Tech Indx | ETF-Tech | 0.33% | +0.06% | — | |
| 39 | MGV | Vanguard Mega Cap Value ETF | ETF-Other | 0.32% | — | — | |
| 40 | MSFT | Microsoft CORP | Stock-Tech | 0.31% | -2.50% | -89.37% | |
| 41 | SPY | Ss Spdr S&p 500 ETF Trust-us | ETF-Large Cap & Growth | 0.30% | — | — | |
| 42 | AMZN | Amazon.com INC | Stock-Consumer Disc | 0.29% | -3.04% | -92.87% | |
| 43 | CVX | Chevron CORP | Stock-Energy | 0.27% | -0.39% | -77.32% | |
| 44 | MGK | Vanguard Mega Cap Growth ETF | ETF-Other | 0.24% | +0.04% | — | |
| 45 | BIL | Ss Spdr Bb 1-3m T-bill ETF | ETF-Gov Bonds | 0.22% | — | -1.82% | |
| 46 | GOOGL | Alphabet Inc-cl A | Stock-Comm Services | 0.22% | -0.02% | -26.00% | |
| 47 | JPM | Jpmorgan Chase & Co | Stock-Financials | 0.22% | -1.04% | -86.04% | |
| 48 | SNPE | Xtrckr S&p 500 Scor&scrn ETF | ETF-Large Cap & Growth | 0.21% | — | — | |
| 49 | OHI | Omega Healthcare Investors | Stock-Real Estate | 0.20% | -0.57% | -80.44% | |
| 50 | FXL | First Trust Technology Alpha | ETF-Tech | 0.19% | — | — |
Performance for Q3 2026
+3.9%
Performance Last 4 Quarters
+20.2%
Based on 50% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 52 | $133.6M | 32 | |
| 2025-12-31 | 62 | $178.4M | 6 | |
| 2025-09-30 | 60 | $170.4M | 20 | |
| 2025-06-30 | 59 | $155.2M | 0 | |
| 2025-03-31 | 58 | $139.8M | 0 | |
| 2024-12-31 | 57 | $141.4M | 0 | |
| 2024-09-30 | 58 | $141.3M | 0 | |
| 2024-06-30 | 56 | $131.4M | 0 | |
| 2024-03-31 | 56 | $129.8M | 0 | |
| 2023-12-31 | 55 | $120.3M | 0 | |
| 2023-09-30 | 53 | $107.7M | 0 | |
| 2023-06-30 | 52 | $109.6M | 0 | |
| 2023-03-31 | 50 | $103.1M | 0 | |
| 2022-12-31 | 47 | $97.1M | 0 |
Rf&l Wealth Management, LLC's most significant position changes for 2026-03-31: Sold out: Meta Platforms Inc-class A (META); Sold out: Walmart INC (WMT); Sold out: Crowdstrike Holdings INC - A (CRWD); Sold out: Unitedhealth Group INC (UNH); Sold out: Coca-cola Co/the (KO).
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|---|---|---|---|---|
| 1 | DFAT | Dimensional US Target Value | +3.8% | -0.82% | Trim |
| 2 | DFUV | Dimensional US Marketwide Va | +2% | -1.73% | Trim |
| 3 | DFAC | Dimensional US Core Equity 2 | +1.9% | -0.59% | Trim |
| 4 | BSV | Vanguard Short-term Bond ETF | +1.9% | +4.51% | Add |
| 5 | DFUS | Dimensional US Eq Mkt ETF | +1.7% | -0.29% | Trim |
| 6 | DFIV | Dimensional International Va | +1.5% | -0.73% | Trim |
| 7 | FNDC | Schwab Fndmnt Intl Sm Eq ETF | +1% | -1.47% | Trim |
| 8 | VOO | Vanguard S&p 500 ETF | +0.9% | +1.15% | Add |
| 9 | VBR | Vanguard Small-cap Value ETF | +0.8% | -5.84% | Trim |
| 10 | IEMG | Ishares Core Msci Emerging | +0.8% | +1.14% | Add |
| 11 | VTI | Vanguard Total Stock Mkt ETF | +0.7% | -3.77% | Trim |
| 12 | IDEV | Ishares Core Msci Dev Mkts | +0.5% | +0.09% | Add |
| 13 | FNDF | Schwab Fndmn Intl Lrg Co ETF | +0.5% | -1.59% | Trim |
| 14 | IWD | Ishares Russell 1000 Value E | +0.4% | +0.72% | Add |
| 15 | BSVO | EA Bridgeway Omni Sm-Cp Val | +0.3% | +12.59% | Add |
| 16 | DISV | Dimensional International Sm | +0.3% | +3.73% | Add |
| 17 | DFAX | Dimensional World Ex US Core | +0.3% | — | Unchanged |
| 18 | IJR | Ishares Core S&p Small-cap E | +0.2% | +2.39% | Add |
| 19 | DFEM | Dimensional Emrg Mrkt Core | +0.2% | -0.64% | Trim |
| 20 | LLY | Eli Lilly & Co | +0.2% | -4.56% | Trim |
| 21 | IWN | Ishares Russell 2000 Value E | +0.2% | — | Unchanged |
| 22 | VWO | Vanguard Ftse Emerging Marke | +0.2% | -3.14% | Trim |
| 23 | SO | Southern Co/the | +0.1% | — | Unchanged |
| 24 | SCHX | Schwab US Large-cap ETF | +0.1% | +0.20% | Add |
| 25 | GL | Globe Life INC | +0.1% | -7.10% | Trim |
| 26 | ABT | Abbott Laboratories | +0.1% | — | Unchanged |
| 27 | BRK-B | Berkshire Hathaway Inc-cl B | +0.1% | -8.12% | Trim |
| 28 | FTEC | Fidelity Msci Info Tech Indx | +0.1% | — | Unchanged |
| 29 | MGK | Vanguard Mega Cap Growth ETF | 0% | — | Unchanged |
| 30 | GOOGL | Alphabet Inc-cl A | 0% | -26.00% | Trim |
| 31 | TSLA | Tesla INC | -0.1% | -51.82% | Trim |
| 32 | CVX | Chevron CORP | -0.4% | -77.32% | Trim |
| 33 | OHI | Omega Healthcare Investors | -0.6% | -80.44% | Trim |
| 34 | ABBV | Abbvie INC | -0.8% | -48.72% | Trim |
| 35 | JPM | Jpmorgan Chase & Co | -1% | -86.04% | Trim |
| 36 | NVDA | Nvidia CORP | -1.2% | -56.85% | Trim |
| 37 | COST | Costco Wholesale CORP | -1.2% | -77.62% | Trim |
| 38 | MSFT | Microsoft CORP | -2.5% | -89.37% | Trim |
| 39 | AMZN | Amazon.com INC | -3% | -92.87% | Trim |
| 40 | AAPL | Apple INC | -3.4% | -83.10% | Trim |
| 41 | META | Meta Platforms Inc-class A | — | EXIT | Sold out |
| 42 | WMT | Walmart INC | — | EXIT | Sold out |
| 43 | CRWD | Crowdstrike Holdings INC - A | — | EXIT | Sold out |
| 44 | UNH | Unitedhealth Group INC | — | EXIT | Sold out |
| 45 | KO | Coca-cola Co/the | — | EXIT | Sold out |
| 46 | QCOM | Qualcomm INC | — | EXIT | Sold out |
| 47 | NFLX | Netflix INC | — | EXIT | Sold out |
| 48 | PFE | Pfizer INC | — | EXIT | Sold out |
| 49 | XOM | Exxon Mobil CORP | — | EXIT | Sold out |
| 50 | UBER | Uber Technologies INC | — | EXIT | Sold out |
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-14 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-01-09 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-10-08 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-07-07 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-04-21 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-01-15 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-10-16 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-07-19 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-04-30 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-02-14 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-11-02 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-07-27 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-05-04 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-02-14 | 13F-HR | View on EDGAR |
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