Refined Wealth Management holds a focused book of 49 reported positions worth $165.7M as of Q2 2026 (disclosed Jul 21, 2026, a ~21-day 13F lag). This quarter they opened Wisdmtree Emerg MKT Ex-ST Ow and trimmed Invesco QQQ Trust Series 1. Their largest long position is Vanguard Ftse Developed ETF at 12% of the reported non-option book. Cloning the disclosed picks since 2024 would be +11% (+5.6%/yr). That is a simulation of the disclosed long book, not audited returns.
Refined Wealth Management is a wealth platform: this book aggregates client accounts across many advisers.
The reported book (valued from quarter-end) returned +12.9%, a 2.0-point gap that is the cost of the ~21-day 13F disclosure lag a real follower can't avoid.
Growth of $10,000 cloning Refined Wealth Management's disclosed long 13F book, rebalanced on each filing date (so it reflects each quarter's actual reporting lag, ~21 days for the latest filing, with no look-ahead), total-return basis (dividends reinvested), derived from end-of-day prices. “Their reported book” values the same picks from quarter-end, before they were public. S&P 500 is SPY total return over the same window. Excludes shorts, cash, options and non-13F holdings. Not investment advice.
Top-heavy: focused book
Share of the disclosed book in its largest positions. A higher top-5 share means a more concentrated, higher-conviction portfolio.
31% mapped to company sectors
+1 sector below the cut, under 0.5% together
Direct operating-company sectors from our SIC-based security master. ETF/fund and unclassified holdings stay visible separately; this is not ETF look-through exposure.
Estimated $ traded · quarter-end prices (an exit at the prior quarter-end), no cost basis
Other tracked managers holding the same core names as Refined Wealth Management
| Manager / fund | Shared names | Their $ in those |
|---|---|---|
| Innovator Capital Management, LLC | 6 / 49 | $2.9B |
| Donor Advised Charitable Giving, Inc. | 8 / 49 | $4.4B |
| Marino Management, LLC | 4 / 49 | $436.5M |
| Prospect Hill Management, LLC | 5 / 49 | $215.1M |
| 9823 Capital, L.P. | 7 / 49 | $120.2M |
| H&H International Investment, LLC | 5 / 49 | $15.4B |
| Dumac, Inc. | 6 / 49 | $879.9M |
| Hoffman, Alan N Investment Management | 5 / 49 | $134.7M |
Ranked by the share of each fund's own book sitting in the names it shares with Refined Wealth Management: only funds sharing at least a tenth of the book qualify. Index giants, bank custody books and market makers are excluded. They hold everything, so their overlap says nothing.
Bars show each position's share of the portfolio. Click a row for its position history.
| # | Security | Value | Shares | % Port | Last move | History |
|---|---|---|---|---|---|---|
| 1 | Vanguard Tax-Managed FDS VAN FTSE DEV MKT | $20.0M | 280.2K | 12.1% | ▲+0.2% Added · +581 sh | |
| 2 | Invesco QQQ TR UNIT SER 1 | $17.0M | 23.0K | 10.2% | ▼−0.8% Reduced · −185 sh | |
| 3 | Invesco Exchange Traded FD T S&P500 EQL WGT | $14.0M | 66.0K | 8.5% | ▲+0.7% Added · +444 sh | |
| 4 | Coinbase Global Inc COM CL A | $8.6M | 58.9K | 5.2% | ▼−0.4% Reduced · −257 sh | |
| 5 | Pimco ETF TR MULTISECTOR BD | $8.4M | 317.9K | 5.1% | ▲+2.4% Added · +7K sh | |
| 6 | Bitwise Bitcoin ETF TR SHS BEN INT | $8.0M | 251.3K | 4.8% | ▲+2.3% Added · +6K sh | |
| 7 | Vanguard Index FDS VALUE ETF | $8.0M | 36.6K | 4.8% | ▲+0.1% Added · +38 sh | |
| 8 | Ishares Inc MSCI EMRG CHN | $7.9M | 77.5K | 4.8% | ▲+0.1% Added · +49 sh | |
| 9 | BlackRock ETF Trust II ISHA FLEX IN ETF | $7.9M | 151.1K | 4.8% | ▲+2.0% Added · +3K sh | |
| 10 | Chevron Corporation COM | $7.5M | 45.0K | 4.5% | ▲+1.1% Added · +515 sh | |
| 11 | SPDR Gold TR GOLD SHS | $6.3M | 17.2K | 3.8% | ▲+0.6% Added · +104 sh | |
| 12 | Marathon Pete Corp COM | $6.2M | 24.2K | 3.7% | ▼−3.1% Reduced · −767 sh | |
| 13 | J P Morgan Exchange Traded F INTL BD OPP ETF | $5.8M | 119.4K | 3.5% | ▲+2.4% Added · +3K sh | |
| 14 | Schwab Strategic TR INT-TRM U.S TRES | $5.8M | 233.5K | 3.5% | ▲+2.2% Added · +5K sh | |
| 15 | Enovix Corporation COM | $5.1M | 844.9K | 3.1% | ▼−1.1% Reduced · −10K sh | |
| 16 | Ishares Inc MSCI GBL ETF NEW | $4.6M | 79.1K | 2.8% | ▲+1.9% Added · +1K sh | |
| 17 | Vaneck ETF Trust RARE EAR STR ETF | $3.4M | 38.4K | 2.1% | ▲+1.1% Added · +407 sh | |
| 18 | Invesco Exchange Traded FD T S&P MDCP MOMNTUM | $2.8M | 16.4K | 1.7% | ▲+0.2% Added · +27 sh | |
| 19 | American Centy ETF TR US SML CP VALU | $2.7M | 21.9K | 1.7% | ▲+0.8% Added · +165 sh | |
| 20 | Bed Bath & Beyond Inc COM | $2.4M | 421.1K | 1.5% | ▼−0.3% Reduced · −1K sh | |
| 21 | Bitwise XRP ETF BENEFICIAL INT | $1.8M | 153.7K | 1.1% | ▲+3.4% Added · +5K sh | |
| 22 | Vanguard Index FDS S&P 500 ETF SHS | $1.0M | 1.5K | 0.6% | ▼−1.0% Reduced · −16 sh | |
| 23 | Nvidia Corporation COM | $966K | 4.8K | 0.6% | ▼−0.4% Reduced · −20 sh | |
| 24 | Nushares ETF TR NUVEEN ESG LRGCP | $857K | 7.3K | 0.5% | ▼−5.3% Reduced · −414 sh | |
| 25 | First TR Exchange-Traded FD FIRST TR ENH NEW | $849K | 14.2K | 0.5% | —Held | |
| 26 | Apple Inc COM | $841K | 2.9K | 0.5% | ▼−3.3% Reduced · −100 sh | |
| 27 | Amazon Com Inc COM | $695K | 2.9K | 0.4% | ▼−0.3% Reduced · −10 sh | |
| 28 | Vanguard World FD ESG INTL STK ETF | $693K | 8.4K | 0.4% | —Held | |
| 29 | Union Pac Corp COM | $676K | 2.5K | 0.4% | ▲+0.5% Added · +12 sh | |
| 30 | Vanguard Charlotte FDS TOTAL INT BD ETF | $503K | 10.4K | 0.3% | ▼−0.8% Reduced · −88 sh | |
| 31 | Ssga Active ETF TR ST STR BL LN ETF | $460K | 11.4K | 0.3% | ▲+0.3% Added · +40 sh | |
| 32 | Tidal Trust II DEFIANCE LARGE | $376K | 14.4K | 0.2% | —Held | |
| 33 | Berkshire Hathaway Inc Del CL B NEW | $349K | 698 | 0.2% | ▼−19% Reduced · −162 sh | |
| 34 | Vanguard Index FDS MID CAP ETF | $340K | 4.2K | 0.2% | ▲+300% Added · +3K sh | |
| 35 | Microsoft Corp COM | $326K | 875 | 0.2% | —Held | |
| 36 | Meta Platforms Inc CL A | $323K | 574 | 0.2% | —Held | |
| 37 | Vanguard Index FDS SMALL CP ETF | $272K | 898 | 0.2% | ▲+0.1% Added · +1 sh | |
| 38 | Ishares TR 20 YR TR BD ETF | $257K | 3.0K | 0.2% | ▼−20% Reduced · −736 sh | |
| 39 | Tesla Inc COM | $255K | 606 | 0.2% | —Held | |
| 40 | Vanguard Scottsdale FDS LG-TERM COR BD | $254K | 3.4K | 0.2% | ▼−1.4% Reduced · −49 sh | |
| 41 | Eaton Corp PLC SHS | $245K | 574 | 0.1% | ▼−2.7% Reduced · −16 sh | |
| 42 | World Gold TR SPDR GLD MINIS | $244K | 3.1K | 0.1% | —Held | |
| 43 | Wisdomtree TR EM EX ST-OWNED | $225K | 4.6K | 0.1% | ▲New New position | |
| 44 | Broadcom Inc COM | $219K | 581 | 0.1% | ▲New New position | |
| 45 | Nexgen Energy Ltd COM | $103K | 11.0K | 0.1% | —Held | |
| 46 | Volatility SHS TR XRP ETF | $72K | 12.5K | <0.1% | ▼−2.9% Reduced · −367 sh | |
| 47 | Denison Mines Corp COM | $33K | 10.8K | <0.1% | —Held | |
| 48 | Bed Bath & Beyond Inc *W EXP 10/07/202 | $17K | 41.5K | <0.1% | ▼−0.2% Reduced · −95 sh | |
| 49 | Ur-Energy Inc COM | $15K | 10.8K | <0.1% | —Held |
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Use Arkolith to show Refined Wealth Management's latest holdings, largest changes, and filing provenance.
As-of date vs the date the SEC received each filing
Reported 13F total per quarter. Raw filing totals can include option notional.
| Quarter | As of | Filed | Lag | Positions | Value | Form |
|---|---|---|---|---|---|---|
| Q2 2026 | Jun 30, 2026 | Jul 21, 2026 | 21d | 49 | $165.7M | 13F-HR |
| Q1 2026 | Mar 31, 2026 | Apr 21, 2026 | 21d | 50 | $158.4M | 13F-HR |
| Q4 2025 | Dec 31, 2025 | Jan 15, 2026 | 15d | 43 | $148.6M | 13F-HR |
| Q3 2025 | Sep 30, 2025 | Oct 21, 2025 | 21d | 36 | $155.6M | 13F-HR |
| Q2 2025 | Jun 30, 2025 | Jul 17, 2025 | 17d | 33 | $145.5M | 13F-HR |
| Q1 2025 | Mar 31, 2025 | Apr 22, 2025 | 22d | 27 | $122.2M | 13F-HR |
| Q4 2024 | Dec 31, 2024 | Jan 22, 2025 | 22d | 27 | $131.4M | 13F-HR |
| Q3 2024 | Sep 30, 2024 | Oct 18, 2024 | 18d | 27 | $129.7M | 13F-HR |
Holdings from SEC EDGAR 13F-HR filings, updated quarterly, filed up to 45 days after quarter-end. Public domain. Book totals and portfolio weights cover reported non-option positions, which can include notes and warrants. Disclosed put/call options are listed separately and excluded from those totals. The performance line is a simulation of the disclosed long book, not an audited return.