13F COMBINATION REPORT
RF&L WEALTH MANAGEMENT, LLC
Quarter ended Q4 2025 · Filed January 9, 2026 · Accession 0001965915-26-000001
Total Value
$178.4M
Positions
62
Other Managers
0
Confidential Omitted
No
Holdings (62)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | DIMENSIONAL ETF TRUST | 25434V609 | 292,219 | $17.4M | 9.75% |
| 2 | DIMENSIONAL ETF TRUST | 25434V708 | 284,805 | $11.3M | 6.32% |
| 3 | DIMENSIONAL ETF TRUST | 25434V401 | 146,276 | $10.8M | 6.08% |
| 4 | DIMENSIONAL ETF TRUST | 25434V724 | 204,461 | $9.5M | 5.34% |
| 5 | VANGUARD BD INDEX FDS | 921937827 | 110,905 | $8.7M | 4.90% |
| 6 | APPLE INC | AAPL | 28,019 | $7.6M | 4.27% |
| 7 | DIMENSIONAL ETF TRUST | 25434V500 | 93,068 | $6.5M | 3.63% |
| 8 | DIMENSIONAL ETF TRUST | 25434V807 | 129,106 | $6.4M | 3.61% |
| 9 | AMAZON COM INC | AMZN | 25,759 | $5.9M | 3.33% |
| 10 | META PLATFORMS INC | META | 8,385 | $5.5M | 3.10% |
| 11 | VANGUARD INDEX FDS | 922908363 | 8,818 | $5.5M | 3.10% |
| 12 | VANGUARD INDEX FDS | 922908769 | 15,606 | $5.2M | 2.93% |
| 13 | MICROSOFT CORP | MSFT | 10,371 | $5.0M | 2.81% |
| 14 | VANGUARD INDEX FDS | 922908611 | 22,823 | $4.8M | 2.71% |
| 15 | SCHWAB STRATEGIC TR | 808524748 | 107,892 | $4.8M | 2.69% |
| 16 | NVIDIA CORPORATION | NVDA | 25,283 | $4.7M | 2.64% |
| 17 | ISHARES TR | 464287150 | 27,704 | $4.1M | 2.31% |
| 18 | ABBVIE INC | ABBV | 17,006 | $3.9M | 2.18% |
| 19 | ELI LILLY & CO | LLY | 3,530 | $3.8M | 2.13% |
| 20 | ISHARES INC | 46434G103 | 51,487 | $3.5M | 1.94% |
| 21 | COSTCO WHSL CORP NEW | 22160K105 | 3,865 | $3.3M | 1.87% |
| 22 | WALMART INC | WMT | 29,509 | $3.3M | 1.84% |
| 23 | ISHARES TR | 46435G326 | 31,079 | $2.6M | 1.44% |
| 24 | JPMORGAN CHASE & CO. | VYLD | 7,000 | $2.3M | 1.26% |
| 25 | CROWDSTRIKE HLDGS INC | CRWD | 4,500 | $2.1M | 1.18% |
| 26 | ISHARES TR | 464287598 | 9,409 | $2.0M | 1.11% |
| 27 | SCHWAB STRATEGIC TR | 808524755 | 43,674 | $2.0M | 1.11% |
| 28 | UNITEDHEALTH GROUP INC | UNH | 5,114 | $1.7M | 0.95% |
| 29 | DIMENSIONAL ETF TRUST | 25434V880 | 42,331 | $1.4M | 0.78% |
| 30 | OMEGA HEALTHCARE INVS INC | 681936100 | 30,796 | $1.4M | 0.77% |
| 31 | DIMENSIONAL ETF TRUST | 25434V781 | 32,845 | $1.2M | 0.70% |
| 32 | COCA COLA CO | KO | 17,130 | $1.2M | 0.67% |
| 33 | ABBOTT LABS | ABLZF | 9,494 | $1.2M | 0.67% |
| 34 | CHEVRON CORP NEW | CVX | 7,760 | $1.2M | 0.66% |
| 35 | VANGUARD INTL EQUITY INDEX F | 922042858 | 20,213 | $1.1M | 0.61% |
| 36 | ISHARES TR | 464287655 | 4,059 | $999,163 | 0.56% |
| 37 | VANGUARD INDEX FDS | 922908744 | 5,018 | $958,388 | 0.54% |
| 38 | DIMENSIONAL ETF TRUST | 25434V732 | 28,725 | $950,223 | 0.53% |
| 39 | EA SERIES TRUST | 02072L532 | 38,641 | $900,335 | 0.50% |
| 40 | ISHARES TR | 464287804 | 7,314 | $878,997 | 0.49% |
| 41 | ISHARES TR | 464287630 | 4,690 | $849,875 | 0.48% |
| 42 | QUALCOMM INC | QCOM | 4,906 | $839,171 | 0.47% |
| 43 | NETFLIX INC | NFLX | 8,532 | $799,960 | 0.45% |
| 44 | ISHARES TR | 464288273 | 9,248 | $717,019 | 0.40% |
| 45 | BERKSHIRE HATHAWAY INC DEL | BRK-A | 1,232 | $619,265 | 0.35% |
| 46 | SPDR INDEX SHS FDS | 78463X889 | 13,170 | $584,897 | 0.33% |
| 47 | GLOBE LIFE INC | GL-PD | 3,903 | $545,916 | 0.31% |
| 48 | SCHWAB STRATEGIC TR | 808524201 | 19,961 | $537,151 | 0.30% |
| 49 | TESLA INC | TSLA | 1,152 | $518,077 | 0.29% |
| 50 | FIDELITY COVINGTON TRUST | 316092808 | 2,108 | $473,604 | 0.27% |
| 51 | PFIZER INC | PFE | 18,500 | $460,650 | 0.26% |
| 52 | ALPHABET INC | GOOG | 1,373 | $429,749 | 0.24% |
| 53 | SOUTHERN CO | SOMN | 4,852 | $423,058 | 0.24% |
| 54 | SPDR S&P 500 ETF TR | SPY | 607 | $413,925 | 0.23% |
| 55 | VANGUARD WORLD FD | 921910840 | 2,922 | $412,470 | 0.23% |
| 56 | EXXON MOBIL CORP | XOM | 3,405 | $409,758 | 0.23% |
| 57 | VANGUARD WORLD FD | 921910816 | 855 | $352,918 | 0.20% |
| 58 | SPDR SERIES TRUST | 78468R663 | 3,305 | $302,011 | 0.17% |
| 59 | DBX ETF TR | 233051143 | 4,697 | $293,328 | 0.16% |
| 60 | FIRST TR EXCHANGE TRADED FD | 33734X176 | 1,625 | $273,455 | 0.15% |
| 61 | VANGUARD BD INDEX FDS | 921937819 | 2,935 | $228,578 | 0.13% |
| 62 | UBER TECHNOLOGIES INC | UBER | 2,500 | $204,275 | 0.11% |