Institutional Manager · CIK 0001730774

Rinkey Investments

San Diego, CA · File #028-22269

Latest AUM

$393.8M

Positions

129

Top-10 Concentration

62.5%

Filings

Portfolio Value Over Time

2024-03

2024-06

2024-09

2024-12

2025-03

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
ADD	VANGUARD CHARLOTTE FDS	92203J407	+437,970	+$21.2M	-$354,349
REDUCE	SPDR SERIES TRUST	78464A649	-269,130	-$6.9M	-$48,262
ADD	ISHARES TR	46434V860	+74,289	+$3.7M	-$96,922
REDUCE	ISHARES TR	464288356	-56,199	-$3.2M	+$104,949
REDUCE	VANGUARD SCOTTSDALE FDS	92206C847	-37,781	-$2.1M	-$137,022
REDUCE	ISHARES TR	464288414	-14,543	-$1.6M	+$62,863
REDUCE	SPDR INDEX SHS FDS	78463X889	-30,407	-$1.4M	+$1.2M
EXITED	AON PLC	G0403H108	-3,376	-$1.2M	$0
REDUCE	VANGUARD BD INDEX FDS	921937835	-15,078	-$1.1M	-$29,794
ADD	BROOKFIELD CORP	11271J107	+23,312	+$1.1M	-$485,680

Sector Allocation

Technology

3.7%$14.4M

Financials

1.9%$7.5M

Healthcare

1.1%$4.1M

Consumer Discretionary

0.8%$3.2M

Industrials

0.7%$2.8M

Energy

0.5%$2.0M

Communication Services

0.3%$1.2M

Consumer Staples

0.2%$883,841

Materials

0.1%$541,066

Filing History

Feb 4, 202613F HOLDINGS REPORTQ/E Dec 2025129 pos · $393.8M
Nov 14, 202513F HOLDINGS REPORTQ/E Sep 2025126 pos · $376.9M
Aug 13, 202513F HOLDINGS REPORTQ/E Jun 2025100 pos · $332.8M
May 15, 202513F HOLDINGS REPORTQ/E Mar 202595 pos · $315.7M
Feb 14, 202513F HOLDINGS REPORTQ/E Dec 202490 pos · $312.5M
Nov 13, 202413F HOLDINGS REPORTQ/E Sep 202481 pos · $309.0M
Jul 31, 202413F HOLDINGS REPORTQ/E Jun 202472 pos · $278.3M
May 2, 202413F HOLDINGS REPORTQ/E Mar 202471 pos · $274.4M
Nov 9, 202313F HOLDINGS REPORTQ/E Dec 202347 pos · $218.3M

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	ISHARES TR	46434V860	819,788	$41.4M	11.53%
2	VANGUARD CHARLOTTE FDS	92203J407	748,803	$36.2M	10.09%
3	SPDR INDEX SHS FDS	78463X889	694,494	$30.8M	8.60%
4	SPDR SERIES TRUST	78464A805	368,202	$30.4M	8.47%
5	VANGUARD TAX-MANAGED FDS	921943858	314,960	$19.7M	5.48%
6	VANGUARD INDEX FDS	922908744	93,497	$17.9M	4.98%
7	VANGUARD INDEX FDS	922908769	37,775	$12.7M	3.53%
8	ISHARES TR	464288661	101,713	$12.1M	3.38%
9	SPDR SERIES TRUST	78468R101	406,949	$11.9M	3.32%
10	ISHARES TR	464288356	193,681	$11.1M	3.10%
11	ISHARES TR	464288414	87,004	$9.3M	2.60%
12	VANGUARD INDEX FDS	922908736	18,148	$8.9M	2.47%
13	VANGUARD INDEX FDS	922908751	30,813	$7.9M	2.22%
14	ISHARES TR	464288281	79,926	$7.7M	2.15%
15	VANGUARD BD INDEX FDS	921937835	84,271	$6.2M	1.74%
16	SPDR INDEX SHS FDS	78463X509	124,303	$5.8M	1.62%
17	APPLE INC	AAPL	20,698	$5.6M	1.57%
18	SPDR SERIES TRUST	78464A649	213,487	$5.5M	1.53%
19	ISHARES TR	464287200	7,842	$5.4M	1.50%
20	SCHWAB STRATEGIC TR	808524409	175,707	$5.2M	1.45%