Managers / Q3 2025 · view latest →
RF&L WEALTH MANAGEMENT, LLC
CIK 0001965915 · 525 MASSACHUSETTS AVENUE, SUITE 205, ACTON, MA, 01720 · 978-263-3435
Summary
Rf&L Wealth Management, LLC reported $170M in U.S.-listed holdings across 60 positions for Q3 2025.
Its largest position, Dimensional Etf, represents 9.9% of the portfolio.
Compared with Q2 2025, the fund opened 2 new positions and exited 1.
Portfolio Metrics
Methodology: turnover is min(value bought, value sold) ÷ average reported value across the two quarters — value-based, so market moves inflate it slightly versus a share-based measure. Concentration and largest position are shares of the filing’s total reported value, options excluded. New/exited counts compare against the prior filed quarter. All figures derive solely from the fund’s 13F filings.
Reported Value by Quarter
Portfolio Composition
- ETP · 67.8% · $116M
- Common Stock · 31.4% · $54M
- REIT · 0.7% · $1M
Quarter-over-Quarter Changes full breakdown →
vs Q2 2025 (amended baseline)
| Issuer | Move | Share Δ | Shares now | Value Δ | Value now |
|---|---|---|---|---|---|
| SPDR SERIES TRUST | NEW | +4.5K | 4.5K | +$408,746 | $408,746 |
| KRKROGER CO | NEW | +3.0K | 3.0K | +$202,230 | $202,230 |
| COSTCOSTCO WHSL CORP NEW | ADDED | +2.0K | 3.9K | +$2M | $4M |
| BSXBOSTON SCIENTIFIC CORP | SOLD OUT | −2.0K | 0 | −$214,820 | $0 |
| EA SERIES TRUST | ADDED | +7.9K | 31.5K | +$233,535 | $714,218 |
| DISVDIMENSIONAL ETF TRUST | ADDED | +4.2K | 32.0K | +$225,411 | $1M |
| CHVCHEVRON CORP NEW | TRIMMED | −200 | 1.4K | −$11,214 | $223,618 |
| ISHARES TR | ADDED | +606 | 9.2K | +$203,600 | $2M |
Value changes conflate price moves with buying and selling — share changes are the real signal. Share counts are not split-adjusted.
Holdings — Q3 2025
| # | Issuer | Class | % Portfolio | Value ↓ | Shares |
|---|---|---|---|---|---|
| 1 | DFACDIMENSIONAL ETF TRUST | US TARGETED VLU · US CORE EQUITY 2 · US EQUITY MARKET · US MKTWIDE VALUE · US SMALL CAP ETF · INTERNATNAL VAL · WORLD EX US CORE · INTL SMALL CAP V · EMERGING MKTS CO | 37.26% | $63M | 1.25M |
| 2 | VTVVANGUARD INDEX FDS | S&P 500 ETF SHS · TOTAL STK MKT · SM CP VAL ETF · VALUE ETF | 9.41% | $16M | 51.8K |
| 3 | ISHARES TR | CORE S&P TTL STK · CORE MSCI INTL · RUS 1000 VAL ETF · RUSSELL 2000 ETF · CORE S&P SCP ETF · RUS 2000 VAL ETF · EAFE SML CP ETF | 6.77% | $12M | 91.2K |
| 4 | VANGUARD BD INDEX FDS | SHORT TRM BOND | 4.92% | $8M | 106.2K |
| 5 | SCHWAB STRATEGIC TR | FUNDAMENTAL INTL · US LRG CAP ETF | 4.35% | $7M | 176.3K |
| 6 | AAPLAPPLE INChistory → | COM | 4.23% | $7M | 28.3K |
| 7 | AMZNAMAZON COM INChistory → | COM | 3.32% | $6M | 25.7K |
| 8 | MSFTMICROSOFT CORPhistory → | COM | 3.16% | $5M | 10.4K |
| 9 | METAMETA PLATFORMS INChistory → | CL A | 2.84% | $5M | 6.6K |
| 10 | NVDANVIDIA CORPORATIONhistory → | COM | 2.77% | $5M | 25.3K |
| 11 | ABBVABBVIE INChistory → | COM | 2.33% | $4M | 17.1K |
| 12 | COSTCOSTCO WHSL CORP NEWhistory → | COM | 2.10% | $4M | 3.9K |
| 13 | ISHARES INC | CORE MSCI EMKT | 1.99% | $3M | 51.4K |
| 14 | WMTWALMART INChistory → | COM | 1.78% | $3M | 29.5K |
| 15 | LLYELI LILLY & COhistory → | COM | 1.65% | $3M | 3.7K |
| 16 | JPMJPMORGAN CHASE & CO.history → | COM | 1.30% | $2M | 7.0K |
| 17 | CRWDCROWDSTRIKE HLDGS INChistory → | CL A | 1.30% | $2M | 4.5K |
| 18 | UNHUNITEDHEALTH GROUP INChistory → | COM | 1.06% | $2M | 5.2K |
| 19 | OMEGA HEALTHCARE INVS INC | COM | 0.75% | $1M | 30.2K |
| 20 | ABTABBOTT LABS | COM | 0.75% | $1M | 9.5K |
| 21 | KOCOCA COLA CO | COM | 0.67% | $1M | 17.1K |
| 22 | VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 0.64% | $1M | 20.1K |
| 23 | QCOMQUALCOMM INC | COM | 0.48% | $815,829 | 4.9K |
| 24 | EA SERIES TRUST | EA BRIDGEWAY OMN | 0.42% | $714,218 | 31.5K |
| 25 | BRK/BBERKSHIRE HATHAWAY INC DEL | CL B NEW | 0.36% | $619,376 | 1.2K |
| 26 | SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 0.33% | $565,898 | 13.2K |
| 27 | TSLATESLA INC | COM | 0.30% | $516,320 | 1.2K |
| 28 | SPDR S&P 500 ETF TR | TR UNIT | 0.30% | $504,298 | 757 |
| 29 | FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 0.27% | $468,334 | 2.1K |
| 30 | SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 0.24% | $408,746 | 4.5K |
| 31 | VANGUARD WORLD FD | MEGA CAP VAL ETF | 0.24% | $402,476 | 2.9K |
Filing History
| Quarter | Reported Value | Positions | Filed | Type | Links |
|---|---|---|---|---|---|
| Q1 2026 | $134M | 52 | Apr 14, 2026 | 13F-HR | changes · EDGAR ↗ |
| Q4 2025 | $178M | 62 | Jan 9, 2026 | 13F-HR | changes · EDGAR ↗ |
| Q3 2025 | $170M | 60 | Oct 8, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q2 2025 | $155M | 59 | Jul 7, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q1 2025 | $140M | 58 | Apr 21, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q4 2024 | $141M | 57 | Jan 15, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q3 2024 | $141M | 58 | Oct 16, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q2 2024 | $131M | 56 | Jul 19, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q1 2024 | $130M | 56 | Apr 30, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q4 2023 | $120M | 55 | Feb 14, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q3 2023 | $108M | 53 | Nov 2, 2023 | 13F-HR | changes · EDGAR ↗ |
| Q2 2023 | $110M | 52 | Jul 27, 2023 | 13F-HR | changes · EDGAR ↗ |
| Q1 2023 | $103M | 50 | May 4, 2023 | 13F-HR | changes · EDGAR ↗ |
| Q4 2022 | $97M | 47 | Feb 14, 2023 | 13F-HR | changes · EDGAR ↗ |
Other Included Managers
This filing reports holdings on behalf of 1 additional manager.
- AQR CAPITAL MANAGEMENT LLC028-10120
13F filings are due up to 45 days after quarter end, so holdings shown here lag the fund’s current book. Source: original SEC filing on EDGAR ↗.