# EDGAR Filing Document

**Accession Number:** 0001845210
**File Stem:** 0001845210-26-000001
**Filing Date:** 2026-1
**Character Count:** 10323
**Document Hash:** 4c6f7c55adde076e7bff68fc1e278830
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001845210-26-000001.hdr.sgml**: 20260123

**ACCESSION NUMBER**: 0001845210-26-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260123

**DATE AS OF CHANGE**: 20260123

**EFFECTIVENESS DATE**: 20260123

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RFG HOLDINGS, INC.
- **CENTRAL INDEX KEY:** 0001845210

**ORGANIZATION NAME:**
- **EIN:** 471012599
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20634
- **FILM NUMBER:** 26554799

**BUSINESS ADDRESS:**
- **STREET 1:** 130 OLD TOWN BLVD., S, STE. 200
- **CITY:** ARGYLE
- **STATE:** TX
- **ZIP:** 76226
- **BUSINESS PHONE:** 940-464-4104

**MAIL ADDRESS:**
- **STREET 1:** 130 OLD TOWN BLVD., S, STE. 200
- **CITY:** ARGYLE
- **STATE:** TX
- **ZIP:** 76226

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** RFG Holdings Inc.<br>**Address:** 130 Old Town Blvd. S Ste. 200<br>Argyle, TX 76226

**Form 13F File Number:** 028-20634

**CRD Number (if applicable):** 000173862

**SEC File Number (if applicable):** 801-112697

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Chris Robinson<br>**Title:** Owner/CCO<br>**Phone:** 940-464-4104

**Signature, Place, and Date of Signing:**

/s/Chris Robinson  Argyle, TX  01-23-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 66

**Form 13F Information Table Value Total:** $398905339

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 2693276 | 12576 | SH |  | SOLE |  | 0 | 0 | 12576 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 967777 | 3091 | SH |  | SOLE |  | 0 | 0 | 3091 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3104929 | 9894 | SH |  | SOLE |  | 0 | 0 | 9894 |
| AMAZON COM INC | COM | 023135106 |  | 2999754 | 12996 | SH |  | SOLE |  | 0 | 0 | 12996 |
| APPLE INC | COM | 037833100 |  | 4269915 | 15706 | SH |  | SOLE |  | 0 | 0 | 15706 |
| ATMOS ENERGY CORP | COM | 049560105 |  | 321180 | 1916 | SH |  | SOLE |  | 0 | 0 | 1916 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 303601 | 604 | SH |  | SOLE |  | 0 | 0 | 604 |
| BITWISE BITCOIN ETF TR | SHS BEN INT | 09174C104 |  | 541899 | 11394 | SH |  | SOLE |  | 0 | 0 | 11394 |
| BITWISE BITCOIN ETF TR | SHS BEN INT | 09174C104 |  | 9512 | 200 | SH | Call | SOLE |  | 0 | 0 | 200 |
| BROADCOM INC | COM | 11135F101 |  | 2932819 | 8473 | SH |  | SOLE |  | 0 | 0 | 8473 |
| CATERPILLAR INC | COM | 149123101 |  | 374657 | 654 | SH |  | SOLE |  | 0 | 0 | 654 |
| CHEVRON CORP NEW | COM | 166764100 |  | 285712 | 1874 | SH |  | SOLE |  | 0 | 0 | 1874 |
| CITIGROUP INC | COM NEW | 172967424 |  | 221554 | 1898 | SH |  | SOLE |  | 0 | 0 | 1898 |
| COREWEAVE INC | COM CL A | 21873S108 |  | 966879 | 13502 | SH |  | SOLE |  | 0 | 0 | 13502 |
| DEERE  CO | COM | 244199105 |  | 217421 | 467 | SH |  | SOLE |  | 0 | 0 | 467 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 297756 | 7521 | SH |  | SOLE |  | 0 | 0 | 7521 |
| ELI LILLY  CO | COM | 532457108 |  | 372954 | 347 | SH |  | SOLE |  | 0 | 0 | 347 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 764691 | 23851 | SH |  | SOLE |  | 0 | 0 | 23851 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1146572 | 9527 | SH |  | SOLE |  | 0 | 0 | 9527 |
| FRANKLIN TEMPLETON ETF TR | FRANKLIN INDIA | 35473P769 |  | 4291385 | 111204 | SH |  | SOLE |  | 0 | 0 | 111204 |
| GLOBAL X FDS | GB MSCI AR ETF | 37950E259 |  | 2863937 | 31330 | SH |  | SOLE |  | 0 | 0 | 31330 |
| INVESCO EXCH TRADED FD TR II | KBW BK ETF | 46138E628 |  | 16926326 | 200810 | SH |  | SOLE |  | 0 | 0 | 200810 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 39698526 | 1890406 | SH |  | SOLE |  | 0 | 0 | 1890406 |
| INVESCO EXCHANGE TRADED FD T | FINL PFD ETF | 46137V621 |  | 454046 | 32110 | SH |  | SOLE |  | 0 | 0 | 32110 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 51540983 | 83900 | SH |  | SOLE |  | 0 | 0 | 83900 |
| ISHARES TR | CORE S ETF | 464287200 |  | 260277 | 380 | SH |  | SOLE |  | 0 | 0 | 380 |
| J P MORGAN EXCHANGE TRADED F | BETABULDRS JAPAN | 46641Q217 |  | 296925 | 4505 | SH |  | SOLE |  | 0 | 0 | 4505 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 466110 | 1446 | SH |  | SOLE |  | 0 | 0 | 1446 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2445137 | 3704 | SH |  | SOLE |  | 0 | 0 | 3704 |
| MICROSOFT CORP | COM | 594918104 |  | 3505621 | 7248 | SH |  | SOLE |  | 0 | 0 | 7248 |
| NETFLIX INC | COM | 64110L106 |  | 1681398 | 17933 | SH |  | SOLE |  | 0 | 0 | 17933 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 4307363 | 23095 | SH |  | SOLE |  | 0 | 0 | 23095 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 1926469 | 46849 | SH |  | SOLE |  | 0 | 0 | 46849 |
| ORACLE CORP | COM | 68389X105 |  | 543409 | 2788 | SH |  | SOLE |  | 0 | 0 | 2788 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 3308727 | 18614 | SH |  | SOLE |  | 0 | 0 | 18614 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 2031463 | 20245 | SH |  | SOLE |  | 0 | 0 | 20245 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 31192510 | 1169134 | SH |  | SOLE |  | 0 | 0 | 1169134 |
| ROBINHOOD MKTS INC | COM CL A | 770700102 |  | 2845370 | 25158 | SH |  | SOLE |  | 0 | 0 | 25158 |
| SALESFORCE INC | COM | 79466L302 |  | 1572490 | 5935 | SH |  | SOLE |  | 0 | 0 | 5935 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 3452448 | 165267 | SH |  | SOLE |  | 0 | 0 | 165267 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 253256 | 4624 | SH |  | SOLE |  | 0 | 0 | 4624 |
| SNOWFLAKE INC | COM SHS | 833445109 |  | 1654413 | 7542 | SH |  | SOLE |  | 0 | 0 | 7542 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R606 |  | 24883783 | 1051279 | SH |  | SOLE |  | 0 | 0 | 1051279 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 635498 | 7703 | SH |  | SOLE |  | 0 | 0 | 7703 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R556 |  | 1116382 | 8841 | SH |  | SOLE |  | 0 | 0 | 8841 |
| SSGA ACTIVE ETF TR | STATE STREET BLA | 78467V608 |  | 247455 | 5996 | SH |  | SOLE |  | 0 | 0 | 5996 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 1741290 | 5730 | SH |  | SOLE |  | 0 | 0 | 5730 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 60778 | 200 | SH | Call | SOLE |  | 0 | 0 | 200 |
| TARGA RES CORP | COM | 87612G101 |  | 220906 | 1197 | SH |  | SOLE |  | 0 | 0 | 1197 |
| TESLA INC | COM | 88160R101 |  | 2615914 | 5816 | SH |  | SOLE |  | 0 | 0 | 5816 |
| THE CIGNA GROUP | COM | 125523100 |  | 318991 | 1159 | SH |  | SOLE |  | 0 | 0 | 1159 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 1302947 | 15946 | SH |  | SOLE |  | 0 | 0 | 15946 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 18354552 | 41284 | SH |  | SOLE |  | 0 | 0 | 41284 |
| VANGUARD ADMIRAL FDS INC | SMLCP 600 VAL | 921932778 |  | 3886793 | 39758 | SH |  | SOLE |  | 0 | 0 | 39758 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 317821 | 651 | SH |  | SOLE |  | 0 | 0 | 651 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 417231 | 1494 | SH |  | SOLE |  | 0 | 0 | 1494 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 9436419 | 32514 | SH |  | SOLE |  | 0 | 0 | 32514 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 113262780 | 180604 | SH |  | SOLE |  | 0 | 0 | 180604 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 233866 | 1104 | SH |  | SOLE |  | 0 | 0 | 1104 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 14152069 | 54863 | SH |  | SOLE |  | 0 | 0 | 54863 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 254781 | 1334 | SH |  | SOLE |  | 0 | 0 | 1334 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 368141 | 3988 | SH |  | SOLE |  | 0 | 0 | 3988 |
| VANGUARD WORLD FD | ENERGY ETF | 92204A306 |  | 2341756 | 18597 | SH |  | SOLE |  | 0 | 0 | 18597 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 619041 | 821 | SH |  | SOLE |  | 0 | 0 | 821 |
| WALMART INC | COM | 931142103 |  | 305812 | 2744 | SH |  | SOLE |  | 0 | 0 | 2744 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 |  | 1498886 | 10397 | SH |  | SOLE |  | 0 | 0 | 10397 |

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