# EDGAR Filing Document

**Accession Number:** 0001730774
**File Stem:** 0001172661-23-000807
**Filing Date:** 2023-2
**Character Count:** 9087
**Document Hash:** 248b67a2c42cc79128365a3e4be9e955
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-23-000807.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001172661-23-000807

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rinkey Investments
- **CENTRAL INDEX KEY:** 0001730774
- **IRS NUMBER:** 262230437
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22269
- **FILM NUMBER:** 23620027

**BUSINESS ADDRESS:**
- **STREET 1:** 4320 LA JOLLA VILLAGE DRIVE
- **STREET 2:** SUITE 210
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92122
- **BUSINESS PHONE:** 858-246-6855

**MAIL ADDRESS:**
- **STREET 1:** 4320 LA JOLLA VILLAGE DRIVE
- **STREET 2:** SUITE 210
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92122

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Rinkey Investments<br>**Address:** 4320 La Jolla Village Drive<br>Suite 210<br>San Diego, CA 92122

**Form 13F File Number:** 028-22269

**CRD Number (if applicable):** 000149576

**SEC File Number (if applicable):** 801-122912

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:** Matthew Rinkey<br>**Title:** President<br>**Phone:** 858-246-6855

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

Matthew Rinkey  San Diego, CA  02-13-2023<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:** 53

**Form 13F Information Table Value Total:** $167095632

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 273336 | 3254 | SH |  | SOLE |  | 0 | 0 | 3254 |
| APPLE INC | COM | 037833100 |  | 2012616 | 15490 | SH |  | SOLE |  | 0 | 0 | 15490 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 571774 | 1851 | SH |  | SOLE |  | 0 | 0 | 1851 |
| BIOATLA INC | COM | 09077B104 |  | 207983 | 25210 | SH |  | SOLE |  | 0 | 0 | 25210 |
| BUTTERFLY NETWORK INC | COM CL A | 124155102 |  | 33456 | 13600 | SH |  | SOLE |  | 0 | 0 | 13600 |
| COMSTOCK INC | COM NEW | 205750300 |  | 27742 | 100880 | SH |  | SOLE |  | 0 | 0 | 100880 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 4350445 | 9530 | SH |  | SOLE |  | 0 | 0 | 9530 |
| DANIMER SCIENTIFIC INC | COM CL A | 236272100 |  | 38038 | 21250 | SH |  | SOLE |  | 0 | 0 | 21250 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 1098211 | 9991 | SH |  | SOLE |  | 0 | 0 | 9991 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2715658 | 41372 | SH |  | SOLE |  | 0 | 0 | 41372 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 281465 | 2902 | SH |  | SOLE |  | 0 | 0 | 2902 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 2683358 | 17694 | SH |  | SOLE |  | 0 | 0 | 17694 |
| ISHARES TR | EXPND TEC SC ETF | 464287549 |  | 203223 | 725 | SH |  | SOLE |  | 0 | 0 | 725 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 5950116 | 70340 | SH |  | SOLE |  | 0 | 0 | 70340 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 3016034 | 37157 | SH |  | SOLE |  | 0 | 0 | 37157 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 1752876 | 31240 | SH |  | SOLE |  | 0 | 0 | 31240 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 805310 | 35445 | SH |  | SOLE |  | 0 | 0 | 35445 |
| ISHARES TR | IBONDS 25 TRM TS | 46436E866 |  | 3031638 | 130225 | SH |  | SOLE |  | 0 | 0 | 130225 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 1324911 | 11532 | SH |  | SOLE |  | 0 | 0 | 11532 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 271206 | 2601 | SH |  | SOLE |  | 0 | 0 | 2601 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 10006703 | 94832 | SH |  | SOLE |  | 0 | 0 | 94832 |
| ISHARES TR | IBONDS 23 TRM TS | 46436E882 |  | 2429517 | 98361 | SH |  | SOLE |  | 0 | 0 | 98361 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 31126922 | 617475 | SH |  | SOLE |  | 0 | 0 | 617475 |
| MICROSOFT CORP | COM | 594918104 |  | 411807 | 1717 | SH |  | SOLE |  | 0 | 0 | 1717 |
| NUVEEN CA QUALTY MUN INCOME | COM | 67066Y105 |  | 110700 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| ONEOK INC NEW | COM | 682680103 |  | 333362 | 5074 | SH |  | SOLE |  | 0 | 0 | 5074 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 305648 | 6225 | SH |  | SOLE |  | 0 | 0 | 6225 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 425230 | 9315 | SH |  | SOLE |  | 0 | 0 | 9315 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 431044 | 9619 | SH |  | SOLE |  | 0 | 0 | 9619 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 375987 | 11673 | SH |  | SOLE |  | 0 | 0 | 11673 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 675860 | 13050 | SH |  | SOLE |  | 0 | 0 | 13050 |
| SOUTHWEST AIRLS CO | COM | 844741108 |  | 205387 | 6100 | SH |  | SOLE |  | 0 | 0 | 6100 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 214934 | 1267 | SH |  | SOLE |  | 0 | 0 | 1267 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 5691370 | 172675 | SH |  | SOLE |  | 0 | 0 | 172675 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 22795163 | 767772 | SH |  | SOLE |  | 0 | 0 | 767772 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 409583 | 1071 | SH |  | SOLE |  | 0 | 0 | 1071 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 12020031 | 478314 | SH |  | SOLE |  | 0 | 0 | 478314 |
| SPDR SER TR | PORTFLI TIPS ETF | 78464A656 |  | 5446698 | 211440 | SH |  | SOLE |  | 0 | 0 | 211440 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 |  | 1048098 | 32928 | SH |  | SOLE |  | 0 | 0 | 32928 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 23374690 | 494284 | SH |  | SOLE |  | 0 | 0 | 494284 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 |  | 2986417 | 103372 | SH |  | SOLE |  | 0 | 0 | 103372 |
| STRYKER CORPORATION | COM | 863667101 |  | 655722 | 2682 | SH |  | SOLE |  | 0 | 0 | 2682 |
| TARGET CORP | COM | 87612E106 |  | 935226 | 6275 | SH |  | SOLE |  | 0 | 0 | 6275 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 460208 | 9392 | SH |  | SOLE |  | 0 | 0 | 9392 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 429849 | 5710 | SH |  | SOLE |  | 0 | 0 | 5710 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 7413270 | 38774 | SH |  | SOLE |  | 0 | 0 | 38774 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 370664 | 1055 | SH |  | SOLE |  | 0 | 0 | 1055 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 528569 | 13560 | SH |  | SOLE |  | 0 | 0 | 13560 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 248922 | 5329 | SH |  | SOLE |  | 0 | 0 | 5329 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 216690 | 1427 | SH |  | SOLE |  | 0 | 0 | 1427 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3736599 | 89030 | SH |  | SOLE |  | 0 | 0 | 89030 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 397346 | 1244 | SH |  | SOLE |  | 0 | 0 | 1244 |
| WORTHINGTON INDS INC | COM | 981811102 |  | 228020 | 4587 | SH |  | SOLE |  | 0 | 0 | 4587 |

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