{"url":"https://nivawealth.com/firms/rinkey-investments-149576","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/149576","regulatoryAum":471052116,"crd":"149576","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7320149","suffix":null,"lastName":"Benton","firstName":"Zachary","middleName":"Penn"},{"crd":"5544959","suffix":null,"lastName":"Gawick","firstName":"Sara","middleName":"Jane"},{"crd":"6595705","suffix":null,"lastName":"Kenny","firstName":"John","middleName":"D"},{"crd":"7316818","suffix":null,"lastName":"Kim","firstName":"David","middleName":null},{"crd":"6542379","suffix":null,"lastName":"MANGINA","firstName":"NORMAN","middleName":"JOSEPH"},{"crd":"6825108","suffix":null,"lastName":"Nickel","firstName":"Kimberly","middleName":"Grace"},{"crd":"6068257","suffix":null,"lastName":"Papelian","firstName":"Christine","middleName":null},{"crd":"377023","suffix":null,"lastName":"RINKEY","firstName":"BENJAMIN","middleName":"SAMUEL"},{"crd":"4704464","suffix":null,"lastName":"RINKEY","firstName":"MATTHEW","middleName":"SETH"},{"crd":"7595065","suffix":null,"lastName":"Simpson","firstName":"Joshua","middleName":"Weslie"}],"total":10,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-05-10","regulatoryAum":124449333,"clients":176,"employees":8,"offices":4},{"filedOn":"2023-06-05","regulatoryAum":196387845,"clients":205,"employees":11,"offices":7},{"filedOn":"2024-03-23","regulatoryAum":307090824,"clients":223,"employees":14,"offices":9},{"filedOn":"2025-03-17","regulatoryAum":377317683,"clients":220,"employees":15,"offices":9},{"filedOn":"2026-05-19","regulatoryAum":471052116,"clients":215,"employees":14,"offices":9}],"secFileNumber":"801-122912","legalName":"Rinkey Investments","displayName":"Rinkey Investments","slug":"rinkey-investments-149576","website":"https://illuminationwealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"HTTPS://WWW.LINKEDIN.COM/company/illumination-wealth-management","founded":"2009","organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"11622 El Camino Real, Suite 100","city":"San Diego","state":"CA","stateName":"California","country":"United States","postalCode":"92130"},"tradeNames":["Illumination Wealth","Illumination Wealth Management"],"registration":{"secApproved":"16 December 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2273805.3645320195,"staff":{"employees":14,"advisory":9,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":471052116,"discretionary":459792893,"discretionaryAccounts":1210,"nonDiscretionary":11259223,"nonDiscretionaryAccounts":36,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":30},"clientTypes":[{"label":"Individuals (other than HNW)","clients":66,"regulatoryAum":21317726},{"label":"High-net-worth individuals","clients":137,"regulatoryAum":440264763},{"label":"Pension and profit-sharing plans","clients":12,"regulatoryAum":9469627}],"feePrograms":[{"role":"other","program":"Financial Life Management","summary":"Flat annual fee paid quarterly from a net worth percentage (0.10% to 0.50%) plus an AGI percentage (0.40% to 1.00%), with a $2,000 minimum quarterly fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040767","versionId":1040767,"submittedOn":"2026-04-08","documentName":"ILLUMINATION WEALTH"},{"role":"other","program":"Investment Management Services","summary":"Annual fee from 0.90% to 1.50% of assets by band, with a $1,500 minimum for accounts under $100,000; negotiable and paid quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040767","versionId":1040767,"submittedOn":"2026-04-08","documentName":"ILLUMINATION WEALTH"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T09:24:04.205982+00:00","documents":[{"name":"ILLUMINATION WEALTH","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040767","versionId":1040767,"submittedOn":"2026-04-08"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":462130217}],"custodyNote":"Rinkey Investments has custody of $127M in client assets for 122 clients.","otherCustodians":[],"leadership":[{"name":"Matthew Rinkey","title":"President/Chief Compliance Officer","crd":"4704464"}],"ownership":[{"label":"Matthew Rinkey","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since February 2009."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":8,"privateResidences":8},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"11622 El Camino Real, Suite 100","city":"San Diego","headquarters":true}]}],"brochureServices":["business succession planning","education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"858-246-6855","stateRegisteredReps":9,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Other"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":13},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":3},{"label":"Securities issued by registered investment companies or business development companies","percent":83}],"privateFunds":0},"sources":{"adv1FilingDate":"19 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/149576/PDF/149576.pdf","brochureDate":"8 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040767","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Rinkey Investments have?","answer":"Rinkey Investments has 215 clients and manages $471 million for them, as of May 2026. They include 137 high-net-worth individuals, 66 individual clients, and 12 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 19 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Rinkey Investments offer?","answer":"Rinkey Investments provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, education planning, estate planning, insurance, philanthropic planning, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Rinkey Investments use?","answer":"Rinkey Investments’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $462M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Rinkey Investments have?","answer":"Rinkey Investments has 9 investment adviser representatives registered with state securities authorities, out of 14 employees, and 9 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Rinkey Investments invest in?","answer":"At the end of its last fiscal year, Rinkey Investments’ separately managed accounts held 83% registered funds (mutual funds, ETFs, BDCs), 13% exchange-traded equities, 3% state and local bonds and 1% U.S. government and agency bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Rinkey Investments?","answer":"Rinkey Investments’ direct owner is Matthew Rinkey (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 19 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Rinkey Investments get paid?","answer":"Rinkey Investments is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Rinkey Investments?","answer":"Rinkey Investments’ main office is at 11622 El Camino Real, Suite 100, San Diego, CA 92130. Its phone number is 858-246-6855. Its website is illuminationwealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 19 May 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/rinkey-investments-149576/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-20","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1730774/000117266126002676/0001172661-26-002676-index.html","totalValue":424807105,"positionCount":128,"top10Share":0.5727585111835641,"top10":[{"issuer":"ISHARES TR","titleOfClass":"TRS FLT RT BD","cusip":"46434V860","value":48666150,"shares":961211,"shareType":"SH","priorValue":40340034,"priorShares":796761},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR PR SP1500","cusip":"78464A805","value":32988747,"shares":363352,"shareType":"SH","priorValue":28883779,"priorShares":365339},{"issuer":"SPDR INDEX SHS FDS","titleOfClass":"ST STR PO EX ETF","cusip":"78463X889","value":32236433,"shares":639738,"shareType":"SH","priorValue":29762143,"priorShares":651963},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":23545824,"shares":330467,"shareType":"SH","priorValue":19878296,"priorShares":310210},{"issuer":"VANGUARD CHARLOTTE FDS","titleOfClass":"TOTAL INT BD ETF","cusip":"92203J407","value":23124889,"shares":477491,"shareType":"SH","priorValue":23250963,"priorShares":483891},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"VALUE ETF","cusip":"922908744","value":23046098,"shares":105750,"shareType":"SH","priorValue":19037678,"priorShares":97032},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"TOTAL BND MRKT","cusip":"921937835","value":17116087,"shares":233157,"shareType":"SH","priorValue":15229808,"priorShares":206814},{"issuer":"ISHARES TR","titleOfClass":"CALIF MUN BD ETF","cusip":"464288356","value":15361694,"shares":266511,"shareType":"SH","priorValue":14724636,"priorShares":258963},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":14784430,"shares":39953,"shareType":"SH","priorValue":12490882,"priorShares":38935},{"issuer":"ISHARES TR","titleOfClass":"NATIONAL MUN ETF","cusip":"464288414","value":12441533,"shares":115606,"shareType":"SH","priorValue":11831062,"priorShares":111456}],"positionsListed":128,"positions":[{"issuer":"ISHARES TR","titleOfClass":"TRS FLT RT BD","cusip":"46434V860","value":48666150,"shares":961211,"shareType":"SH","priorValue":40340034,"priorShares":796761},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR PR SP1500","cusip":"78464A805","value":32988747,"shares":363352,"shareType":"SH","priorValue":28883779,"priorShares":365339},{"issuer":"SPDR INDEX SHS FDS","titleOfClass":"ST STR PO EX ETF","cusip":"78463X889","value":32236433,"shares":639738,"shareType":"SH","priorValue":29762143,"priorShares":651963},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":23545824,"shares":330467,"shareType":"SH","priorValue":19878296,"priorShares":310210},{"issuer":"VANGUARD CHARLOTTE FDS","titleOfClass":"TOTAL INT BD ETF","cusip":"92203J407","value":23124889,"shares":477491,"shareType":"SH","priorValue":23250963,"priorShares":483891},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"VALUE ETF","cusip":"922908744","value":23046098,"shares":105750,"shareType":"SH","priorValue":19037678,"priorShares":97032},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"TOTAL BND MRKT","cusip":"921937835","value":17116087,"shares":233157,"shareType":"SH","priorValue":15229808,"priorShares":206814},{"issuer":"ISHARES TR","titleOfClass":"CALIF MUN BD ETF","cusip":"464288356","value":15361694,"shares":266511,"shareType":"SH","priorValue":14724636,"priorShares":258963},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":14784430,"shares":39953,"shareType":"SH","priorValue":12490882,"priorShares":38935},{"issuer":"ISHARES TR","titleOfClass":"NATIONAL MUN ETF","cusip":"464288414","value":12441533,"shares":115606,"shareType":"SH","priorValue":11831062,"priorShares":111456},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"GROWTH ETF","cusip":"922908736","value":10630365,"shares":123408,"shareType":"SH","priorValue":8309930,"priorShares":19025},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SMALL CP ETF","cusip":"922908751","value":10102080,"shares":33327,"shareType":"SH","priorValue":8309936,"priorShares":31727},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"LONG TERM TREAS","cusip":"92206C847","value":8237877,"shares":149291,"shareType":"SH","priorValue":8065834,"priorShares":145711},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST SHO TREAS ETF","cusip":"78468R101","value":8080054,"shares":278526,"shareType":"SH","priorValue":11879952,"priorShares":407126},{"issuer":"ISHARES TR","titleOfClass":"3 7 YR TREAS BD","cusip":"464288661","value":7025776,"shares":59819,"shareType":"SH","priorValue":12093202,"priorShares":101966},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EMR MKT ETF","cusip":"922042858","value":6875724,"shares":115190,"shareType":"SH","priorValue":5840443,"priorShares":108056},{"issuer":"SPDR INDEX SHS FDS","titleOfClass":"ST PORT MARK ETF","cusip":"78463X509","value":6209703,"shares":119924,"shareType":"SH","priorValue":5644246,"priorShares":120320},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LCAP VA ETF","cusip":"808524409","value":6116361,"shares":175707,"shareType":"SH","priorValue":5359064,"priorShares":175707},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":5864735,"shares":7831,"shareType":"SH","priorValue":5115443,"priorShares":7831},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":5685434,"shares":19648,"shareType":"SH","priorValue":5105105,"priorShares":20115},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR AGGRE ETF","cusip":"78464A649","value":5382653,"shares":210919,"shareType":"SH","priorValue":5471484,"priorShares":213563},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US SML CAP ETF","cusip":"808524607","value":5226819,"shares":144667,"shareType":"SH","priorValue":4209301,"priorShares":144749},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":4866376,"shares":50387,"shareType":"SH","priorValue":4561173,"priorShares":50383},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL B NEW","cusip":"084670702","value":4140227,"shares":8274,"shareType":"SH","priorValue":3963463,"priorShares":8271},{"issuer":"ISHARES TR","titleOfClass":"JPMORGAN USD EMG","cusip":"464288281","value":3934335,"shares":40795,"shareType":"SH","priorValue":3922215,"priorShares":41756},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":3869187,"shares":5254,"shareType":"SH","priorValue":2804051,"priorShares":4858},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":3148052,"shares":8439,"shareType":"SH","priorValue":2910381,"priorShares":7862},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 VAL ETF","cusip":"464287598","value":2826249,"shares":11658,"shareType":"SH","priorValue":2700575,"priorShares":12639},{"issuer":"PROGRESSIVE CORP","titleOfClass":"COM","cusip":"743315103","value":2418897,"shares":11073,"shareType":"SH","priorValue":2195112,"priorShares":11073},{"issuer":"VANGUARD WORLD FD","titleOfClass":"INF TECH ETF","cusip":"92204A702","value":2382723,"shares":19935,"shareType":"SH","priorValue":1738191,"priorShares":2491},{"issuer":"FIDELITY MERRIMACK STR TR","titleOfClass":"TOTAL BD ETF","cusip":"316188309","value":2095497,"shares":46065,"shareType":"SH","priorValue":2105226,"priorShares":46147},{"issuer":"AMAZON COM INC","titleOfClass":"COM","cusip":"023135106","value":2094294,"shares":8787,"shareType":"SH","priorValue":1839649,"priorShares":8833},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHORT TERM TREAS","cusip":"92206C102","value":2075179,"shares":35656,"shareType":"SH","priorValue":1243916,"priorShares":21249},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LCAP GR ETF","cusip":"808524300","value":2053682,"shares":60688,"shareType":"SH","priorValue":1756859,"priorShares":60311},{"issuer":"COSTCO WHOLESALE CORPORATION","titleOfClass":"COM","cusip":"22160K105","value":2044002,"shares":2185,"shareType":"SH","priorValue":2249939,"priorShares":2258},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST INTER BD ETF","cusip":"78464A375","value":2037580,"shares":60896,"shareType":"SH","priorValue":1911780,"priorShares":57000},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":2022555,"shares":10108,"shareType":"SH","priorValue":1769469,"priorShares":10146},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INT-TERM CORP","cusip":"92206C870","value":1884255,"shares":22798,"shareType":"SH","priorValue":1453835,"priorShares":17569},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR TIPS ETF","cusip":"78464A656","value":1826626,"shares":71130,"shareType":"SH","priorValue":1874054,"priorShares":72051},{"issuer":"BROOKFIELD CORP","titleOfClass":"CL A LTD VT SH","cusip":"11271J107","value":1812077,"shares":42547,"shareType":"SH","priorValue":1809697,"priorShares":44717},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"EM MK GOV BD ETF","cusip":"921946885","value":1496292,"shares":22253,"shareType":"SH","priorValue":1492805,"priorShares":22725},{"issuer":"VANGUARD MALVERN FDS","titleOfClass":"STRM INFPROIDX","cusip":"922020805","value":1457006,"shares":29006,"shareType":"SH","priorValue":1473257,"priorShares":29494},{"issuer":"EXXON MOBIL CORP","titleOfClass":"COM","cusip":"30231G102","value":1432826,"shares":10480,"shareType":"SH","priorValue":1991808,"priorShares":11740},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":1238321,"shares":1803,"shareType":"SH","priorValue":1071490,"priorShares":1793},{"issuer":"T-MOBILE US INC","titleOfClass":"COM","cusip":"872590104","value":1212352,"shares":7228,"shareType":"SH","priorValue":2337214,"priorShares":11128},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":1208890,"shares":3382,"shareType":"SH","priorValue":1219891,"priorShares":4242},{"issuer":"TRAVELERS COMPANIES INC","titleOfClass":"COM","cusip":"89417E109","value":1111844,"shares":3368,"shareType":"SH","priorValue":982378,"priorShares":3368},{"issuer":"INTERNATIONAL BUSINESS MACHS","titleOfClass":"COM","cusip":"459200101","value":1041321,"shares":3703,"shareType":"SH","priorValue":897570,"priorShares":3703},{"issuer":"ISHARES TR","titleOfClass":"ISHARES SEMICDTR","cusip":"464287523","value":1031624,"shares":1610,"shareType":"SH","priorValue":516325,"priorShares":1571},{"issuer":"RTX CORPORATION","titleOfClass":"COM","cusip":"75513E101","value":1027388,"shares":5415,"shareType":"SH","priorValue":1156050,"priorShares":5993},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL C","cusip":"02079K107","value":1013795,"shares":2869,"shareType":"SH","priorValue":832539,"priorShares":2902},{"issuer":"TESLA INC","titleOfClass":"COM","cusip":"88160R101","value":945088,"shares":2247,"shareType":"SH","priorValue":487736,"priorShares":1312},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SML CP GRW ETF","cusip":"922908595","value":932185,"shares":2549,"shareType":"SH","priorValue":770302,"priorShares":2548},{"issuer":"ISHARES TR","titleOfClass":"CORE US AGGBD ET","cusip":"464287226","value":901312,"shares":9106,"shareType":"SH","priorValue":900180,"priorShares":9068},{"issuer":"STRYKER CORPORATION","titleOfClass":"COM","cusip":"863667101","value":853846,"shares":2712,"shareType":"SH","priorValue":891136,"priorShares":2712},{"issuer":"ISHARES TR","titleOfClass":"S&P 500 GRWT ETF","cusip":"464287309","value":828206,"shares":6022,"shareType":"SH","priorValue":670064,"priorShares":5924},{"issuer":"ORACLE CORP","titleOfClass":"COM","cusip":"68389X105","value":780379,"shares":5325,"shareType":"SH","priorValue":1095822,"priorShares":7449},{"issuer":"ISHARES TR","titleOfClass":"SHRT NAT MUN ETF","cusip":"464288158","value":762858,"shares":7165,"shareType":"SH","priorValue":763073,"priorShares":7165},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MID CAP ETF","cusip":"922908629","value":743500,"shares":9228,"shareType":"SH","priorValue":662524,"priorShares":2307},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INTER TERM TREAS","cusip":"92206C706","value":734360,"shares":12451,"shareType":"SH"},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"LARGE CAP ETF","cusip":"922908637","value":725650,"shares":2110,"shareType":"SH","priorValue":630574,"priorShares":2110},{"issuer":"SPDR GOLD TR","titleOfClass":"GOLD SHS","cusip":"78463V107","value":720183,"shares":1955,"shareType":"SH","priorValue":826157,"priorShares":1920},{"issuer":"VANGUARD STAR FDS","titleOfClass":"VG TL INTL STK F","cusip":"921909768","value":704532,"shares":8241,"shareType":"SH","priorValue":593976,"priorShares":7702},{"issuer":"ISHARES TR","titleOfClass":"MSCI USA MMENTM","cusip":"46432F396","value":704516,"shares":2055,"shareType":"SH","priorValue":493179,"priorShares":2055},{"issuer":"ISHARES BITCOIN TRUST ETF","titleOfClass":"SHS BEN INT","cusip":"46438F101","value":697625,"shares":20956,"shareType":"SH","priorValue":874747,"priorShares":22768},{"issuer":"PALO ALTO NETWORKS INC","titleOfClass":"COM","cusip":"697435105","value":692271,"shares":2030,"shareType":"SH","priorValue":330259,"priorShares":2060},{"issuer":"SELECT SECTOR SPDR TR","titleOfClass":"ST STR UTIL ETF","cusip":"81369Y886","value":678967,"shares":14975,"shareType":"SH","priorValue":742959,"priorShares":16190},{"issuer":"ADVANCED MICRO DEVICES INC","titleOfClass":"COM","cusip":"007903107","value":672113,"shares":1157,"shareType":"SH","priorValue":264052,"priorShares":1298},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US TIPS ETF","cusip":"808524870","value":669178,"shares":25252,"shareType":"SH","priorValue":666953,"priorShares":25064},{"issuer":"NUVEEN AMT FREE MUN CR INC F","titleOfClass":"COM","cusip":"67071L106","value":657920,"shares":51400,"shareType":"SH","priorValue":510462,"priorShares":41400},{"issuer":"ISHARES TR","titleOfClass":"FLTG RATE NT ETF","cusip":"46429B655","value":655330,"shares":12837,"shareType":"SH","priorValue":808322,"priorShares":15865},{"issuer":"NUVEEN MUN CR INCOME FD","titleOfClass":"COM SH BEN INT","cusip":"67070X101","value":645729,"shares":50925,"shareType":"SH","priorValue":500903,"priorShares":41125},{"issuer":"MICRON TECHNOLOGY INC","titleOfClass":"COM","cusip":"595112103","value":614082,"shares":532,"shareType":"SH","priorValue":305745,"priorShares":905},{"issuer":"ARK ETF TR","titleOfClass":"INNOVATION ETF","cusip":"00214Q104","value":596694,"shares":7383,"shareType":"SH"},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SM CP VAL ETF","cusip":"922908611","value":581232,"shares":2392,"shareType":"SH","priorValue":519662,"priorShares":2392},{"issuer":"VANECK ETF TRUST","titleOfClass":"INTRMDT MUNI ETF","cusip":"92189H201","value":569002,"shares":12109,"shareType":"SH","priorValue":562221,"priorShares":12109},{"issuer":"CROWDSTRIKE HLDGS INC","titleOfClass":"CL A","cusip":"22788C105","value":559382,"shares":733,"shareType":"SH","priorValue":286951,"priorShares":735},{"issuer":"ISHARES TR","titleOfClass":"TRUST ISHARE 0-1","cusip":"464288679","value":545570,"shares":4944,"shareType":"SH","priorValue":535392,"priorShares":4850},{"issuer":"ISHARES INC","titleOfClass":"MSCI ISRAEL ETF","cusip":"464286632","value":539453,"shares":4469,"shareType":"SH","priorValue":472863,"priorShares":4075},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"TT WRLD ST ETF","cusip":"922042742","value":539123,"shares":3435,"shareType":"SH","priorValue":475129,"priorShares":3435},{"issuer":"CSX CORP","titleOfClass":"COM","cusip":"126408103","value":534237,"shares":11240,"shareType":"SH","priorValue":461402,"priorShares":11240},{"issuer":"ISHARES TR","titleOfClass":"CORE INTL AGGR","cusip":"46435G672","value":513590,"shares":10150,"shareType":"SH"},{"issuer":"NUVEEN AMT FREE QLTY MUN INC","titleOfClass":"COM","cusip":"670657105","value":510690,"shares":43500,"shareType":"SH","priorValue":488505,"priorShares":43500},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LRG CAP ETF","cusip":"808524201","value":502978,"shares":17090,"shareType":"SH","priorValue":323235,"priorShares":12606},{"issuer":"META PLATFORMS INC","titleOfClass":"CL A","cusip":"30303M102","value":493001,"shares":875,"shareType":"SH","priorValue":428636,"priorShares":749},{"issuer":"WALMART INC","titleOfClass":"COM","cusip":"931142103","value":482629,"shares":4261,"shareType":"SH","priorValue":492283,"priorShares":3961},{"issuer":"ISHARES INC","titleOfClass":"MSCI EMERG MRKT","cusip":"464286533","value":473737,"shares":6293,"shareType":"SH","priorValue":450715,"priorShares":6963},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"US SML CP VALU","cusip":"025072877","value":463608,"shares":3716,"shareType":"SH","priorValue":352399,"priorShares":3190},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":455537,"shares":610,"shareType":"SH","priorValue":393456,"priorShares":605},{"issuer":"APPLIED MATLS INC","titleOfClass":"COM","cusip":"038222105","value":449706,"shares":622,"shareType":"SH","priorValue":212593,"priorShares":622},{"issuer":"ISHARES TR","titleOfClass":"US TREAS BD ETF","cusip":"46429B267","value":411338,"shares":18057,"shareType":"SH","priorValue":413686,"priorShares":18057},{"issuer":"ISHARES TR","titleOfClass":"CORE DIV GRWTH","cusip":"46434V621","value":354470,"shares":4677,"shareType":"SH","priorValue":372235,"priorShares":5304},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"INT-TRM U.S TRES","cusip":"808524854","value":351430,"shares":14251,"shareType":"SH","priorValue":354992,"priorShares":14251},{"issuer":"ISHARES TR","titleOfClass":"US AER DEF ETF","cusip":"464288760","value":342297,"shares":1412,"shareType":"SH"},{"issuer":"BUTTERFLY NETWORK INC","titleOfClass":"COM CL A","cusip":"124155102","value":340168,"shares":40400,"shareType":"SH","priorValue":124028,"priorShares":30700},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US REIT ETF","cusip":"808524847","value":337748,"shares":14263,"shareType":"SH","priorValue":312894,"priorShares":14560},{"issuer":"CHUBB LIMITED","titleOfClass":"COM","cusip":"H1467J104","value":336310,"shares":987,"shareType":"SH","priorValue":267589,"priorShares":821},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"INTL EQT ETF","cusip":"025072703","value":320050,"shares":3588,"shareType":"SH","priorValue":258847,"priorShares":3051},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"COM","cusip":"46625H100","value":319801,"shares":977,"shareType":"SH","priorValue":287394,"priorShares":977},{"issuer":"TAIWAN SEMICONDUCTOR MANUFAC","titleOfClass":"SPONSORED ADS","cusip":"874039100","value":312808,"shares":655,"shareType":"SH"},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EUROPE ETF","cusip":"922042874","value":311218,"shares":3515,"shareType":"SH","priorValue":289741,"priorShares":3515},{"issuer":"ALTRIA GROUP INC","titleOfClass":"COM","cusip":"02209S103","value":301327,"shares":4188,"shareType":"SH","priorValue":276366,"priorShares":4188},{"issuer":"SELECT SECTOR SPDR TR","titleOfClass":"ST STR INDL ETF","cusip":"81369Y704","value":296368,"shares":1600,"shareType":"SH","priorValue":258768,"priorShares":1600},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR SP BIOT","cusip":"78464A870","value":289281,"shares":1828,"shareType":"SH","priorValue":213948,"priorShares":1675},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST SHOR CORP ETF","cusip":"78464A474","value":283775,"shares":9456,"shareType":"SH","priorValue":268946,"priorShares":8944},{"issuer":"ELI LILLY & CO","titleOfClass":"COM","cusip":"532457108","value":274680,"shares":229,"shareType":"SH","priorValue":309962,"priorShares":337},{"issuer":"ISHARES TR","titleOfClass":"FUTU EXPO TE ETF","cusip":"46434V381","value":269870,"shares":3266,"shareType":"SH","priorValue":222576,"priorShares":3266},{"issuer":"NETFLIX INC.","titleOfClass":"COM","cusip":"64110L106","value":268464,"shares":3760,"shareType":"SH","priorValue":361909,"priorShares":3764},{"issuer":"BOEING CO","titleOfClass":"COM","cusip":"097023105","value":260630,"shares":1204,"shareType":"SH","priorValue":231671,"priorShares":1164},{"issuer":"PATTERSON-UTI ENERGY INC","titleOfClass":"COM","cusip":"703481101","value":259151,"shares":28230,"shareType":"SH","priorValue":305731,"priorShares":28230},{"issuer":"VISA INC","titleOfClass":"COM CL A","cusip":"92826C839","value":257661,"shares":751,"shareType":"SH","priorValue":245419,"priorShares":812},{"issuer":"ISHARES TR","titleOfClass":"CHINA LG-CAP ETF","cusip":"464287184","value":254963,"shares":8071,"shareType":"SH","priorValue":289749,"priorShares":8071},{"issuer":"ACCENTURE PLC IRELAND","titleOfClass":"SHS CLASS A","cusip":"G1151C101","value":251991,"shares":2025,"shareType":"SH","priorValue":547875,"priorShares":2763},{"issuer":"BROADCOM INC","titleOfClass":"COM","cusip":"11135F101","value":242138,"shares":641,"shareType":"SH"},{"issuer":"SIMPLIFY EXCHANGE TRADED FUN","titleOfClass":"INTMD TERM TRSRY","cusip":"82889N798","value":229808,"shares":18000,"shareType":"SH","priorValue":236340,"priorShares":18000},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTERNATNAL VAL","cusip":"25434V807","value":224021,"shares":4147,"shareType":"SH","priorValue":218879,"priorShares":4147},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US MKTWIDE VALUE","cusip":"25434V724","value":221745,"shares":4031,"shareType":"SH"},{"issuer":"WORTHINGTON ENTERPRISES INC","titleOfClass":"COM","cusip":"981811102","value":214717,"shares":3994,"shareType":"SH","priorValue":208247,"priorShares":3994},{"issuer":"ISHARES INC","titleOfClass":"MSCI STH KOR ETF","cusip":"464286772","value":214014,"shares":1060,"shareType":"SH"},{"issuer":"CITIGROUP INC","titleOfClass":"COM NEW","cusip":"172967424","value":212319,"shares":1517,"shareType":"SH"},{"issuer":"EOS ENERGY ENTERPRISES INC","titleOfClass":"COM CL A","cusip":"29415C101","value":210957,"shares":35877,"shareType":"SH","priorValue":222590,"priorShares":44877},{"issuer":"KINDER MORGAN INC DEL","titleOfClass":"COM","cusip":"49456B101","value":210842,"shares":6595,"shareType":"SH","priorValue":242925,"priorShares":7245},{"issuer":"PALANTIR TECHNOLOGIES INC","titleOfClass":"CL A","cusip":"69608A108","value":208723,"shares":1789,"shareType":"SH","priorValue":355314,"priorShares":2429},{"issuer":"ROUNDHILL ETF TRUST","titleOfClass":"MEMORY ETF","cusip":"77926X320","value":204565,"shares":2770,"shareType":"SH"},{"issuer":"VANGUARD SPECIALIZED FUNDS","titleOfClass":"DIV APP ETF","cusip":"921908844","value":203257,"shares":859,"shareType":"SH"},{"issuer":"BLACKSTONE INC","titleOfClass":"COM","cusip":"09260D107","value":202981,"shares":1725,"shareType":"SH"},{"issuer":"JOHNSON & JOHNSON","titleOfClass":"COM","cusip":"478160104","value":201652,"shares":794,"shareType":"SH","priorValue":1210956,"priorShares":4954},{"issuer":"PATRIOT NATL BANCORP INC","titleOfClass":"COM NEW","cusip":"70336F203","value":116650,"shares":121828,"shareType":"SH","priorValue":157158,"priorShares":121828}]},"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}