Rf&L Wealth Management, LLC Portfolio Holdings

Rf&L Wealth Management, LLC

$178 Billion
Q4 2025

Rf&L Wealth Management, LLC has filed its 13F form on January 09, 2026 for Q4 2025 where it was disclosed a total value porftolio of $178 Billion distributed in 62 stocks.

Among their holdings, we can observe that their the top five positions include companies like: Dimensional ETF Tr U S Target with a value of $17.4B, Dimensional ETF Tr U S Core Eq with a value of $11.3B, Dimensional ETF Tr U S Equity with a value of $10.8B, Dimensional ETF Tr Us Marketwi with a value of $9.53B, and Vanguard Bd Index Fd Inc Short with a value of $8.74B.

Examining the 13F form we can see an increase of $8.06B in the current position value, from $170B to 178B.

Rf&L Wealth Management, LLC is based out at Acton, MA

Below you can find more details about Rf&L Wealth Management, LLC portfolio as well as his latest detailed transactions.

Portfolio value $178 Billion

ETFs: $117 Billion

Technology: $20.5 Billion

Healthcare: $11 Billion

Consumer Defensive: $7.82 Billion

Communication Services: $6.76 Billion

Consumer Cyclical: $6.46 Billion

Financial Services: $3.42 Billion

Energy: $1.59 Billion

Other: $1.79 Billion

Stock Holdings Table ETFs Only

Stock	Market Cap.	Holding Value (Reported)	# of Shares.	Last Trade
DFAT Dimensional ETF Tr U S Target ETFs	$0	$17.4 Billion 9.75% of portfolio	292,219	Q4 2025 Added 0.57%
DFAC Dimensional ETF Tr U S Core Eq ETFs	$0	$11.3 Billion 6.32% of portfolio	284,805	Q4 2025 Reduced 0.5%
DFUS Dimensional ETF Tr U S Equity ETFs	$0	$10.8 Billion 6.08% of portfolio	146,276	Q4 2025 Reduced 0.06%
DFUV Dimensional ETF Tr Us Marketwi ETFs	$0	$9.53 Billion 5.34% of portfolio	204,461	Q4 2025 Reduced 1.49%
BSV Vanguard Bd Index Fd Inc Short ETFs	$0	$8.74 Billion 4.9% of portfolio	110,905	Q4 2025 Added 4.47%
DFAS Dimensional ETF Tr U S Small C ETFs	$0	$6.48 Billion 3.63% of portfolio	93,068	Q4 2025 Reduced 0.1%
DFIV Dimensional ETF Tr ETFs	$0	$6.44 Billion 3.61% of portfolio	129,106	Q4 2025 Added 0.98%
VOO Vanguard Index Fds S&P 500 ETF ETFs	$0	$5.53 Billion 3.1% of portfolio	8,818	Q4 2025 Added 3.0%
VTI Vanguard Total Stock Market Et ETFs	$0	$5.23 Billion 2.93% of portfolio	15,606	Q4 2025 Reduced 0.28%

VBR Vanguard Small Cap Value ETF ETFs	$0	$4.83 Billion 2.71% of portfolio	22,823	Q4 2025 Added 0.64%
FNDC Schwab Fundamental Intl Small ETFs	$0	$4.81 Billion 2.69% of portfolio	107,892	Q4 2025 Reduced 1.43%
ITOT Ishares Core S&P Total U.S. St ETFs	$0	$4.12 Billion 2.31% of portfolio	27,704	Q4 2025 Added 5.34%
IEMG Ishares Inc ETFs	$0	$3.46 Billion 1.94% of portfolio	51,487	Q4 2025 Added 0.26%
IDEV Ishares Core Msci Intl Develop ETFs	$0	$2.56 Billion 1.44% of portfolio	31,079	Q4 2025 Added 2.0%
IWD Ishares Russell 1000 Val ETF ETFs	$0	$1.98 Billion 1.11% of portfolio	9,409	Q4 2025 Added 2.53%
FNDF Schwab Fundamental Intl Large ETFs	$0	$1.97 Billion 1.11% of portfolio	43,674	Q4 2025 Reduced 7.07%
DFAX Dimensional ETF Tr	$0	$1.39 Billion 0.78% of portfolio	42,331	Q2 2025 Reduced 1.33%
DISV Dimensional ETF Tr Dimensional ETFs	$0	$1.25 Billion 0.7% of portfolio	32,845	Q4 2025 Added 2.79%

VWO Vanguard Ftse Emerging Mkts Et ETFs	$0	$1.09 Billion 0.61% of portfolio	20,213	Q4 2025 Added 0.71%
IWM Ishares Russell 2000 ETF ETFs	$0	$999 Million 0.56% of portfolio	4,059	Q4 2025 Reduced 2.1%
VTV Vanguard Value ETF ETFs	$0	$958 Million 0.54% of portfolio	5,018	Q4 2025 Added 1.21%
DFEM Dimensional ETF Tr Emerging Mk ETFs	$0	$950 Million 0.53% of portfolio	28,725	Q4 2025 Added 2.68%
IJR Ishares Core S&P Sm Cap ETF ETFs	$0	$879 Million 0.49% of portfolio	7,314	Q4 2025 Added 2.09%
IWN Ishares Russell2000 Val ETF ETFs	$0	$850 Million 0.48% of portfolio	4,690	Q3 2025 Added 0.43%
SCZ Ishares Tr Msci Eafe Small Cap ETFs	$0	$717 Million 0.4% of portfolio	9,248	Q4 2025 Added 0.03%
SPDW Spdr Ser Tr Fds Spdr Portfolio ETFs	$0	$585 Million 0.33% of portfolio	13,170	Q4 2025 Reduced 0.42%
SCHX Schwab Strategic Tr Us Large C ETFs	$0	$537 Million 0.3% of portfolio	19,961	Q4 2025 Added 0.38%
FTEC Fidelity Covington Tr Msci Inf ETFs	$0	$474 Million 0.27% of portfolio	2,108	Q3 2023 New
MGV Vanguard Mega Cap Value ETFs	$0	$412 Million 0.23% of portfolio	2,922	Q3 2023 New
SPY Spdr S&P 500 ETF Trust ETFs	$0	$414 Million 0.23% of portfolio	607	Q4 2025 Reduced 19.82%
MGK Vanguard Mega Cap Growth ETF ETFs	$0	$353 Million 0.2% of portfolio	855	Q4 2023 New
BIL Spdr Bloomberg 1 3 Month T Bil ETFs	$0	$302 Million 0.17% of portfolio	3,305	Q4 2025 Reduced 25.81%
SNPE Dbx ETF Tr Xtrackers S&P 500 E ETFs	$0	$293 Million 0.16% of portfolio	4,697	Q4 2023 New
FXL First Tr Exchange Traded Fd Fi ETFs	$0	$273 Million 0.15% of portfolio	1,625	Q4 2023 New
BIV Vanguard Bd Index Fd Inc Inter ETFs	$0	$229 Million 0.13% of portfolio	2,935	Q4 2025 Reduced 16.97%

Summary

Portfolio
No. of Stocks 62
Current Value $178 Billion
Prior Value $170 Billion
Filing
Period Q4 2025
Filing Date January 09, 2026
Form Type 13F-HR
Activity in Q4 2025
New Purchases 3 stocks
Additional Purchases 24 stocks
Sold out of 0 stocks
Reduced holdings in 23 stocks

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Rf&L Wealth Management, LLC Portfolio Holdings