Rinkey Investments

Registered adviser

CIK

1730774

Location

San Diego, CA

Portfolio Value

Small $406,657,034

Diversification

Diversified

Filing Date

Global Rank

#4,274 / 8,827 ▼ 135 · as of Jun 2026

Top Industry

Software - Infrastructure 15.9%

Period ended 38 days ago

Filed Oct 28, 2026 · 10d

20 quarters · since Dec 2021

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Registered adviser

Form ADV roster, Nov 1, 2026

Form ADV adviser

CRD 149576

Roster of Nov 1, 2026

Regulatory AUM

$471,052,116

Main clients

Individuals and high net worth (98% of AUM)

Form ADV history

Monthly rosters from Dec 2019; each row is a run with the same figures, newest first.

Rosters	Regulatory AUM	Main clients
Apr 2026 to Nov 2026	$471,052,116	Individuals and high net worth (98%)
Apr 2025 to Mar 2026	$377,317,683	Individuals and high net worth (98%)
Apr 2024 to Mar 2025	$307,090,824	Individuals and high net worth (98%)
May 2023 to Mar 2024	$196,387,845	Individuals and high net worth (98%)
Mar 2023 to Apr 2023	$196,387,845	Individuals and high net worth (98%)
Apr 2022 to Feb 2023	$124,449,333	Individuals and high net worth (98%)

1 earlier changes not shown.

Stated strategy

Fundamental active, Value, Fixed income / rates, Multi-asset, Private markets, Wealth management / planning Form ADV Part 2A, Apr 8, 2026 · original

In the firm's words

Fundamental active: Fundamental analysis involves the analysis of financial statements, the general financial health of companies, and/or the analysis of management or competitive advantages.
Value: We focus on longterm results by allocating capital to areas of the market where we perceive the most attractive relative valuations and therefore the greatest potential returns.
Fixed income / rates: we primarily offer advice on equity securities, exchange traded funds, mutual funds, corporate debt securities, commercial paper, certificates of deposit, municipal securities, US Government securities, commodities, interest in partnerships investing in real estate and others.
Multi-asset: We currently have multiple strategic asset allocations which vary based on risk and return.
Private markets: Illumination recommends that certain clients invest in privately placed collective investment vehicles (e.g., private real estate funds, etc.).
Wealth management / planning: IWM has various model portfolios that are used to manage client assets.

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, the newest measured quarter, never from the firm's own description.

Style

Concentrated

The top 10 positions are 83.1% of the book (60%+)

Turnover

Low turnover

18.4% over the last four quarters (under 30%)

Horizon

Long horizon

Value-weighted holding period 13.5 quarters (12+)

Closest benchmark: every 13F filer's combined book, active share 82.2%; sector active share 76.4% against the combined 13F book's sector weights.

Over time 19 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

View clone backtest

Portfolio Concentration

132 tracked positions · as of Sep 30, 2026 · Δ vs Jun 30, 2026

Top Position

24.9%

−0.7 pts

Top 5

66.7%

+1.6 pts

Top 10

84.5%

+1.4 pts

HHI

1,183

Diversified+12

Portfolio Trend

20 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	89.1%	$362,209,411	81
Technology	4.5%	$18,430,433	14
Financial Services	2.7%	$10,889,215	10
Communication Services	1.1%	$4,313,082	6
Consumer Defensive	0.8%	$3,096,412	5
Consumer Cyclical	0.7%	$2,955,039	2
Industrials	0.6%	$2,451,721	7
Healthcare	0.4%	$1,758,771	5
Energy	0.1%	$552,950	2

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

25 positions

Ticker	Company	Δ Shares	Shares	Value
VEA	Vanguard FTSE Developed Markets ETF	+42,974	373,441	$26,368,669
VTV	VANGUARD VALUE INDEX FUND	+23,348	129,098	$27,895,495
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	+22,857	256,014	$17,959,382
BNDX	Vanguard Total International Bond ETF	+18,032	495,523	$23,225,163
VUG	VANGUARD GROWTH INDEX FUND	+15,112	138,520	$12,482,037
MUB	iShares National Muni Bond ETF	+11,789	127,395	$12,879,634
FBND	Fidelity Total Bond ETF	+10,718	56,783	$2,458,703
VGLT	VANGUARD LONG-TERM TREASURY INDEX FUND	+9,619	158,910	$7,967,747
SPIP	State Street(R) SPDR(R) Portfolio TIPS ETF	+7,080	78,210	$1,905,977
IAGG	iShares Core International Aggregate Bond ETF	+6,508	16,658	$819,573
SPIB	State Street(R) SPDR(R) Portfolio Intermediate Term Corporate Bond ETF	+4,518	65,414	$2,111,563
SHV	iShares 0-1 Year Treasury Bond ETF	+2,861	7,805	$861,047
VGT	VANGUARD INFORMATION TECHNOLOGY INDEX FUND	+2,720	22,655	$2,847,053
CRWD	CrowdStrike Holdings, Inc.	+2,189	2,922	$773,599
JPM	Jpmorgan Chase & Co	+1,088	2,065	$683,163
XBI	State Street(R) SPDR(R) S&P(R) Biotech ETF	+946	2,774	$437,404
VGSH	VANGUARD SHORT-TERM TREASURY INDEX FUND	+913	36,569	$2,104,911
VXUS	Vanguard Total International Stock ETF	+585	8,826	$749,856
SPSB	State Street(R) SPDR(R) Portfolio Short Term Corporate Bond ETF	+536	9,992	$295,663
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	+442	40,395	$15,117,424
VOO	VANGUARD 500 INDEX FUND	+351	2,154	$1,509,652
VBK	VANGUARD SMALL-CAP GROWTH INDEX FUND	+326	2,875	$971,261
AVDE	Avantis International Equity ETF	+310	3,898	$351,248
NVDA	Nvidia Corp	+215	10,323	$2,357,566
VGK	VANGUARD EUROPEAN STOCK INDEX FUND	+207	3,722	$323,069
No positions match the current search.

Trimmed

Positions the filer reduced

25 positions

Ticker	Company	Δ Shares	Shares	Value
TFLO	iShares Treasury Floating Rate Bond ETF	−93,677	867,534	$43,957,947
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	−35,032	80,158	$4,754,170
SCHA	Schwab U.S. Small-Cap ETF	−33,518	111,149	$3,626,791
VB	Vanguard Index Funds	−21,379	11,948	$3,399,086
SPDW	State Street(R) SPDR(R) Portfolio Developed World ex-US ETF	−19,206	620,532	$31,156,911
CMF	iShares California Muni Bond ETF	−14,781	251,730	$13,623,627
SCHP	Schwab U.S. TIPS ETF	−14,294	10,958	$275,374
—		−12,123	266,403	$0
SPAB	State Street(R) SPDR(R) Portfolio Aggregate Bond ETF	−11,078	199,841	$4,868,126
IEI	iShares 3-7 Year Treasury Bond ETF	−10,173	49,646	$5,631,842
SCHV	Schwab U.S. Large-Cap Value ETF	−5,458	170,249	$5,670,994
BFLY	Butterfly Network, Inc.	−5,025	35,375	$316,960
SPTM	State Street(R) SPDR(R) Portfolio S&P 1500(R) Composite Stock Market ETF	−4,736	358,616	$33,010,602
VGIT	VANGUARD INTERMEDIATE-TERM TREASURY INDEX FUND	−3,583	8,868	$502,460
VCIT	VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX FUND	−3,064	19,734	$1,545,369
AGG	iShares Core U.S. Aggregate Bond ETF	−2,019	7,087	$670,004
SCHG	Schwab U.S. Large-Cap Growth ETF	−1,750	58,938	$2,117,642
IBIT	iShares Bitcoin Trust ETF	−708	20,248	$958,540
SPEM	State Street(R) SPDR(R) Portfolio Emerging Markets ETF	−707	119,217	$6,170,671
IWD	iShares Russell 1000 Value ETF	−516	11,142	$2,762,436
EIS	iShares MSCI Israel ETF	−329	4,140	$502,264
WMT	Walmart Inc.	−300	3,961	$411,627
EMB	iShares J.P. Morgan USD Emerging Markets Bond ETF	−237	40,558	$3,684,288
MO	Altria Group, Inc.	−200	3,988	$268,551
AMAT	Applied Materials Inc	−200	422	$215,802
No positions match the current search.

New Positions

Positions the filer opened this quarter

16 positions

Ticker	Company	Shares	Value
IAUM	iShares Gold Trust Micro	9,380	$388,519
GLDM	World Gold Trust	4,353	$357,729
GDX	VanEck Gold Miners ETF	3,290	$288,862
XLV	State Street(R) Health Care Select Sector SPDR(R) ETF	1,500	$252,630
PBR	Petrobras - Petroleo Brasileiro SA	11,724	$244,679
AVAV	AeroVironment Inc	1,563	$222,289
TGT	Target Corp	1,418	$222,186
TEVA	Teva Pharmaceutical Industries Ltd	5,550	$219,780
KO	Coca Cola Co	2,381	$204,956
MCHI	iShares MSCI China ETF	3,891	$203,071
AVEM	Avantis Emerging Markets Equity ETF	2,134	$200,638
TUA	Simplify Short Term Treasury Futures Strategy ETF	10,315	$196,397
ACHR	Archer Aviation Inc.	26,600	$132,202
GRAB	Grab Holdings Ltd	12,000	$37,320
NXDR	Nextdoor Holdings, Inc.	15,000	$36,450
—		1,224	$0
No positions match the current search.

Sold Out

Positions the filer fully exited

11 positions

Ticker	Company	Shares	Value
XOM	ExxonMobil Holdings Corp	10,480	$1,432,825
TRV	Travelers Companies, Inc.	3,368	$1,111,844
XLU	State Street(R) Utilities Select Sector SPDR(R) ETF	14,975	$678,966
AMD	Advanced Micro Devices Inc	1,157	$672,112
XLI	State Street(R) Industrial Select Sector SPDR(R) ETF	1,600	$296,368
TYA	Simplify Intermediate Term Treasury Futures Strategy ETF	18,000	$229,806
EWY	iShares Trust	1,060	$214,014
C	Citigroup Inc	1,517	$212,319
KMI	Kinder Morgan, Inc.	6,595	$210,842
VIG	Vanguard Specialized Funds	859	$203,256
BX	Blackstone Inc.	1,725	$202,980
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

132 tracked positions · $406,657,034 total · filing declares 132 positions · $415,738,812 · as of Sep 30, 2026

All sectors Communication Services Consumer Cyclical Consumer Defensive Energy Financial Services Healthcare Industrials Technology

Showing 1–50 of 132 positions by value · page 1 of 3

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
TFLO	iShares Treasury Floating Rate Bond ETF	Reduced	867,534	-93,677	$43,957,947	−9.7%	10.81%
SPTM	State Street(R) SPDR(R) Portfolio S&P 1500(R) Composite Stock Market ETF	Reduced	358,616	-4,736	$33,010,602	+0.1%	8.12%
SPDW	State Street(R) SPDR(R) Portfolio Developed World ex-US ETF	Reduced	620,532	-19,206	$31,156,911	−3.3%	7.66%
VTV	VANGUARD VALUE INDEX FUND	Added	129,098	+23,348	$27,895,495	+21.0%	6.86%
VEA	Vanguard FTSE Developed Markets ETF	Added	373,441	+42,974	$26,368,669	+12.0%	6.48%
BNDX	Vanguard Total International Bond ETF	Added	495,523	+18,032	$23,225,163	+0.4%	5.71%
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	Added	256,014	+22,857	$17,959,382	+4.9%	4.42%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Added	40,395	+442	$15,117,424	+2.3%	3.72%
CMF	iShares California Muni Bond ETF	Reduced	251,730	-14,781	$13,623,627	−11.3%	3.35%
MUB	iShares National Muni Bond ETF	Added	127,395	+11,789	$12,879,634	+3.5%	3.17%
VUG	VANGUARD GROWTH INDEX FUND	Added	138,520	+15,112	$12,482,037	+17.4%	3.07%
VGLT	VANGUARD LONG-TERM TREASURY INDEX FUND	Added	158,910	+9,619	$7,967,747	−3.3%	1.96%
AAPL	Apple Inc. Technology	Reduced	19,463	-185	$6,481,568	+14.0%	1.59%
SPEM	State Street(R) SPDR(R) Portfolio Emerging Markets ETF	Reduced	119,217	-707	$6,170,671	−0.6%	1.52%
IVV	iShares Core S&P 500 ETF	Added	7,993	+162	$6,121,439	+4.4%	1.51%
SCHV	Schwab U.S. Large-Cap Value ETF	Reduced	170,249	-5,458	$5,670,994	−7.3%	1.39%
IEI	iShares 3-7 Year Treasury Bond ETF	Reduced	49,646	-10,173	$5,631,842	−19.8%	1.38%
IEFA	iShares Core MSCI EAFE ETF	Held	50,387	0	$4,881,492	+0.3%	1.20%
SPAB	State Street(R) SPDR(R) Portfolio Aggregate Bond ETF	Reduced	199,841	-11,078	$4,868,126	−9.6%	1.20%
VWO	VANGUARD EMERGING MARKETS STOCK INDEX FUND	Reduced	80,158	-35,032	$4,754,170	−30.9%	1.17%
MSFT	Microsoft Corp Technology	Added	8,560	+121	$4,390,424	+39.5%	1.08%
BRK-B	Berkshire Hathaway Inc Financial Services	Added	8,283	+9	$4,124,519	−0.4%	1.01%
QQQ	Invesco Qqq Trust, Series 1	Reduced	5,140	-114	$3,802,417	−1.7%	0.94%
EMB	iShares J.P. Morgan USD Emerging Markets Bond ETF	Reduced	40,558	-237	$3,684,288	−6.4%	0.91%
SCHA	Schwab U.S. Small-Cap ETF	Reduced	111,149	-33,518	$3,626,791	−30.6%	0.89%
VB	Vanguard Index Funds	Reduced	11,948	-21,379	$3,399,086	−66.4%	0.84%
VGT	VANGUARD INFORMATION TECHNOLOGY INDEX FUND	Added	22,655	+2,720	$2,847,053	+19.5%	0.70%
IWD	iShares Russell 1000 Value ETF	Reduced	11,142	-516	$2,762,436	−2.3%	0.68%
FBND	Fidelity Total Bond ETF	Added	56,783	+10,718	$2,458,703	+17.3%	0.60%
NVDA	Nvidia Corp Technology	Added	10,323	+215	$2,357,566	+16.6%	0.58%
PGR	Progressive Corp Financial Services	Added	11,083	+10	$2,297,616	−5.0%	0.57%
AMZN	Amazon Com Inc Consumer Cyclical	Added	8,887	+100	$2,214,196	+5.7%	0.54%
SCHG	Schwab U.S. Large-Cap Growth ETF	Reduced	58,938	-1,750	$2,117,642	+3.1%	0.52%
SPIB	State Street(R) SPDR(R) Portfolio Intermediate Term Corporate Bond ETF	Added	65,414	+4,518	$2,111,563	+3.6%	0.52%
VGSH	VANGUARD SHORT-TERM TREASURY INDEX FUND	Added	36,569	+913	$2,104,911	+1.4%	0.52%
COST	Costco Wholesale Corp Consumer Defensive	Held	2,185	0	$1,989,092	−2.7%	0.49%
SPIP	State Street(R) SPDR(R) Portfolio TIPS ETF	Added	78,210	+7,080	$1,905,977	+4.3%	0.47%
BN	BROOKFIELD Corp Financial Services	Held	42,547	0	$1,551,263	−14.4%	0.38%
VCIT	VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX FUND	Reduced	19,734	-3,064	$1,545,369	−18.0%	0.38%
VOO	VANGUARD 500 INDEX FUND	Added	2,154	+351	$1,509,652	+21.9%	0.37%
VTIP	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES INDEX FUND	Added	29,008	+2	$1,427,773	−2.0%	0.35%
VWOB	VANGUARD EMERGING MARKETS GOVERNMENT BOND INDEX FUND	Held	22,253	0	$1,404,831	−6.1%	0.35%
TMUS	T-Mobile US, Inc. Communication Services	Held	7,228	0	$1,178,742	−2.8%	0.29%
GOOGL	Alphabet Inc. Communication Services	Added	3,394	+12	$1,167,807	−3.4%	0.29%
GOOG	Alphabet Inc. Communication Services	Added	3,065	+196	$1,044,368	+3.0%	0.26%
RTX	RTX Corp Industrials	Held	5,415	0	$1,005,294	−2.2%	0.25%
VBK	VANGUARD SMALL-CAP GROWTH INDEX FUND	Added	2,875	+326	$971,261	+4.2%	0.24%
IBIT	iShares Bitcoin Trust ETF	Reduced	20,248	-708	$958,540	+37.4%	0.24%
SOXX	iShares Semiconductor ETF	Reduced	1,518	-92	$863,195	−16.3%	0.21%
SHV	iShares 0-1 Year Treasury Bond ETF	Added	7,805	+2,861	$861,047	+57.8%	0.21%

Showing the top 50 of 132 positions. Create a free account to see every position, past quarters, search, filters and CSV export.

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.