Arkolith/Funds/RF&L Wealth Management, LLC

RF&L Wealth Management, LLC

CIK 1965915Wealth platform
Holdings as of Jun 30, 2026·disclosed Jul 22, 2026·~22-day 13F lag·13F-HR
Active Filer

RF&L Wealth Management, LLC holds a focused book of 50 reported positions worth $147.8M as of Q2 2026 (disclosed Jul 22, 2026, a ~22-day 13F lag). This quarter they opened Vanguard Growth ETF and trimmed Dimensional US Target Value. Their largest long position is Dimensional US Target Value at 14% of the reported non-option book. Cloning the disclosed picks since 2024 would be +32% (+15.6%/yr). That is a simulation of the disclosed long book, not audited returns.

RF&L Wealth Management, LLC is a wealth platform: this book aggregates client accounts across many advisers.

Growth of $10,000: cloning the disclosed book

If you'd copied them
+31.7%
+15.6%/yr · since Oct '24
Their reported book
+29.4%
held from quarter-end
S&P 500
+33.9%
same window
$9K$10K$11K$12K$14KOct '24Mar '25Jul '25Dec '25Apr '26Sep '26
RF&L Wealth Management, LLC (copied at disclosure) S&P 500

Following at the filing date actually beat the quarter-end book by 2.3 points over this window.

Growth of $10,000 cloning RF&L Wealth Management, LLC's disclosed long 13F book, rebalanced on each filing date (so it reflects each quarter's actual reporting lag, ~22 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.

How much sits in the biggest positions

Top-heavy: focused book

Top 5 holdings
44%
Top 10 holdings
65%
Top 20 holdings
86%

Share of the disclosed book in its largest positions. A higher top-5 share means a more concentrated, higher-conviction portfolio.

Where the money is, by sector

10% mapped to company sectors

ETFs / funds
76%
No sector on file yet
14%
Health Care
5%
Information Technology
3%
Consumer Discretionary
1%
Financials
1%

+3 sectors below the cut, 1% 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.

Biggest moves: latest quarter

Estimated $ traded · quarter-end prices (an exit at the prior quarter-end), no cost basis

Bought
Trimmed / exited

Funds with the most overlap

Other tracked managers holding the same core names as RF&L Wealth Management, LLC

Manager / fundShared namesTheir $ in those
Innovator Capital Management, LLC6 / 50$2.9B
Donor Advised Charitable Giving, Inc.7 / 50$4.4B
Richard Young Associates, Ltd.14 / 50$143.8M
Hoffman, Alan N Investment Management8 / 50$161.6M
Prospect Hill Management, LLC5 / 50$223.7M
Dixon Fnancial Services, Inc.14 / 50$213.7M
Triune Financial Partners, LLC21 / 50$413.8M
Emerald Advisors, LLC19 / 50$657.2M

Ranked by the share of each fund's own book sitting in the names it shares with RF&L Wealth Management, LLC: 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.

Holdings: largest first

Bars show each position's share of the portfolio. Click a row for its position history.

50 positions
#SecurityValueShares% PortLast moveHistory
1Dimensional ETF Trust
US TARGETED VLU
$20.2M289.0K
13.7%
−0.3%
Reduced · −849 sh
2Dimensional ETF Trust
US COR EQU 2 ETF
$12.5M282.7K
8.5%
−0.1%
Reduced · −445 sh
3Dimensional ETF Trust
US EQUI MARK ETF
$11.9M145.7K
8.1%
−0.1%
Reduced · −197 sh
4Dimensional ETF Trust
US MKTWIDE VALUE
$10.9M198.0K
7.4%
−1.4%
Reduced · −3K sh
5Vanguard BD Index FDS
SHORT TRM BOND
$9.7M124.2K
6.5%
+7.2%
Added · +8K sh
6Dimensional ETF Trust
US SMALL CAP ETF
$7.5M91.1K
5.1%
+0.1%
Added · +99 sh
7Dimensional ETF Trust
INTERNATNAL VAL
$6.9M126.8K
4.6%
−1.1%
Reduced · −1K sh
8Vanguard Index FDS
S&P 500 ETF SHS
$6.3M9.2K
4.3%
+3.4%
Added · +303 sh
9Vanguard Index FDS
TOTAL STK MKT
$5.3M14.4K
3.6%
−3.9%
Reduced · −590 sh
10Vanguard Index FDS
SM CP VAL ETF
$5.2M21.2K
3.5%
−1.3%
Reduced · −280 sh
11Schwab Strategic TR
FUNDAMENTAL INTL
$5.1M105.5K
3.5%
−0.7%
Reduced · −791 sh
12Ishares TR
CORE S&P TTL STK
$4.9M30.0K
3.3%
+3.9%
Added · +1K sh
13Ishares Inc
CORE MSCI EMKT
$4.3M51.6K
2.9%
−0.9%
Reduced · −458 sh
14Eli Lilly & Co
COM
$3.9M3.3K
2.7%
−3.0%
Reduced · −100 sh
15Ishares TR
CORE MSCI INTL
$2.8M31.1K
1.9%
~0%
Reduced · −1 sh
16Ishares TR
RUS 1000 VAL ETF
$2.3M9.5K
1.6%
−0.2%
Reduced · −22 sh
17Schwab Strategic TR
FUNDAMENTAL INTL
$2.2M42.2K
1.5%
−1.8%
Reduced · −774 sh
18Nvidia Corporation
COM
$2.2M10.9K
1.5%
Held
19Abbvie Inc
COM
$2.1M8.5K
1.4%
−2.9%
Reduced · −250 sh
20Dimensional ETF Trust
WORLD EX US CORE
$1.6M42.2K
1.1%
−0.3%
Reduced · −115 sh
21Apple Inc
COM
$1.5M5.1K
1.0%
+7.8%
Added · +370 sh
22Dimensional ETF Trust
INTL SMALL CAP V
$1.4M33.7K
0.9%
−1.0%
Reduced · −335 sh
23Ea Series Trust
BRID OMN SMA ETF
$1.2M41.8K
0.8%
−4.0%
Reduced · −2K sh
24Ishares TR
RUSSELL 2000 ETF
$1.2M3.9K
0.8%
−2.0%
Reduced · −80 sh
25Vanguard Intl Equity Index F
FTSE EMR MKT ETF
$1.1M18.9K
0.8%
−3.7%
Reduced · −719 sh
26Dimensional ETF Trust
EMERGING MKTS CO
$1.1M27.4K
0.8%
−3.8%
Reduced · −1K sh
27Ishares TR
CORE S&P SCP ETF
$1.1M7.2K
0.7%
−3.3%
Reduced · −249 sh
28Vanguard Index FDS
VALUE ETF
$1.1M4.9K
0.7%
−1.9%
Reduced · −95 sh
29Ishares TR
RUS 2000 VAL ETF
$1.0M4.7K
0.7%
Held
30Abbott Laboratories
COM
$861K9.5K
0.6%
Held
31Costco Wholesale Corporation
COM
$809K865
0.5%
Held
32Ishares TR
EAFE SML CP ETF
$761K9.3K
0.5%
~0%
Added · +2 sh
33SPDR Index SHS FDS
ST STR PO EX ETF
$629K12.5K
0.4%
−2.2%
Reduced · −280 sh
34Globe Life Inc
COM
$610K3.4K
0.4%
−5.9%
Reduced · −213 sh
35Schwab Strategic TR
US LRG CAP ETF
$589K20.0K
0.4%
Held
36Berkshire Hathaway Inc Del
CL B NEW
$556K1.1K
0.4%
−1.8%
Reduced · −20 sh
37Southern Co
COM
$464K4.9K
0.3%
Held
38Amazon Com Inc
COM
$438K1.8K
0.3%
Held
39State STR SPDR S&P 500 ETF T
TR UNIT
$423K567
0.3%
−6.6%
Reduced · −40 sh
40Microsoft Corp
COM
$406K1.1K
0.3%
−1.4%
Reduced · −15 sh
41Alphabet Inc
CAP STK CL A
$363K1.0K
0.2%
Held
42Vanguard World FD
MEGA GRWTH IND
$358K4.1K
0.2%
+377%
Added · +3K sh
43JPMorgan Chase & Co
COM
$307K938
0.2%
−4.0%
Reduced · −39 sh
44Chevron Corporation
COM
$292K1.8K
0.2%
Held
45Omega Healthcare Invs Inc
COM
$287K6.0K
0.2%
Held
46Vanguard BD Index FDS
INTERMED TERM
$259K3.4K
0.2%
+7.7%
Added · +240 sh
47SPDR Series Trust
ST STR BLO 1 ETF
$244K2.7K
0.2%
−18%
Reduced · −580 sh
48Vanguard Index FDS
GROWTH ETF
$230K2.7K
0.2%
New
New position
49Tesla Inc
COM
$229K545
0.2%
−1.8%
Reduced · −10 sh
50Vanguard Intl Equity Index F
ALLWRLD EX US
$209K2.5K
0.1%
New
New position
Showing all 50 positions
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Filing history

As-of date vs the date the SEC received each filing

$178.4M · Q4 2025Q3 2024 · $141.3MQ2 2026 · $147.8M

Reported 13F total per quarter. Raw filing totals can include option notional.

QuarterAs ofFiledLagPositionsValueForm
Q2 2026Jun 30, 2026Jul 22, 202622d50$147.8M13F-HR
Q1 2026Mar 31, 2026Apr 14, 202614d52$133.6M13F-HR
Q4 2025Dec 31, 2025Jan 9, 20269d62$178.4M13F-HR
Q3 2025Sep 30, 2025Oct 8, 20258d60$170.4M13F-HR
Q2 2025Jun 30, 2025Jul 7, 20257d59$155.2M13F-HR
Q1 2025Mar 31, 2025Apr 21, 202521d58$139.8M13F-HR
Q4 2024Dec 31, 2024Jan 15, 202515d57$141.4M13F-HR
Q3 2024Sep 30, 2024Oct 16, 202416d58$141.3M13F-HR

Data source

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.