# EDGAR Filing Document

**Accession Number:** 0001965915
**File Stem:** 0001965915-26-000002
**Filing Date:** 2026-4
**Character Count:** 9304
**Document Hash:** 99d2904e47a06c4e38df15e357b64147
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001965915-26-000002.hdr.sgml**: 20260414

**ACCESSION NUMBER**: 0001965915-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260414

**DATE AS OF CHANGE**: 20260414

**EFFECTIVENESS DATE**: 20260414

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RF&L WEALTH MANAGEMENT, LLC
- **CENTRAL INDEX KEY:** 0001965915

**ORGANIZATION NAME:**
- **EIN:** 204329450
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23086
- **FILM NUMBER:** 26859343

**BUSINESS ADDRESS:**
- **STREET 1:** 525 MASSACHUSETTS AVENUE
- **STREET 2:** SUITE 205
- **CITY:** ACTON
- **STATE:** MA
- **ZIP:** 01720
- **BUSINESS PHONE:** 978-263-3435

**MAIL ADDRESS:**
- **STREET 1:** 525 MASSACHUSETTS AVENUE
- **STREET 2:** SUITE 205
- **CITY:** ACTON
- **STATE:** MA
- **ZIP:** 01720

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** RF WEALTH MANAGEMENT LLC<br>**Address:** 525 MASSACHUSETTS AVENUE<br>SUITE 205<br>ACTON, MA 01720

**Form 13F File Number:** 028-23086

**CRD Number (if applicable):** 000140210

**SEC File Number (if applicable):** 801-66710

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:** Andrew Hass<br>**Title:** Chief Compliance Officer<br>**Phone:** 978-263-3435

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

Andrew Hass  Sherman Oaks, CA  04-14-2026<br>[Signature]  [City, State]  [Date]

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

[ ] **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).)

[x] **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:** 52

**Form 13F Information Table Value Total:** $133556910

      (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.]

|   No. | Name                       | Form 13F File Number   |   CRD Number | SEC File Number   |
|---:|:---|:---|---:|:---|
|     1 | AQR CAPITAL MANAGEMENT LLC | 028-10120              |    000111883 | 801-55543         |

### 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 |
| ABBOTT LABORATORIES | COM | 002824100 |  | 974708 | 9494 | SH |  | SOLE |  | 0 | 0 | 9494 |
| ABBVIE INC | COM | 00287Y109 |  | 1896513 | 8720 | SH |  | SOLE |  | 0 | 0 | 8720 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 292241 | 1016 | SH |  | SOLE |  | 0 | 0 | 1016 |
| AMAZON COM INC | COM | 023135106 |  | 382592 | 1837 | SH |  | SOLE |  | 0 | 0 | 1837 |
| APPLE INC | COM | 037833100 |  | 1201782 | 4735 | SH |  | SOLE |  | 0 | 0 | 4735 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 542454 | 1132 | SH |  | SOLE |  | 0 | 0 | 1132 |
| CHEVRON CORPORATION | COM | 166764100 |  | 364144 | 1760 | SH |  | SOLE |  | 0 | 0 | 1760 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 861912 | 865 | SH |  | SOLE |  | 0 | 0 | 865 |
| DBX ETF TR | XTRACKRS S 500 | 233051143 |  | 279706 | 4697 | SH |  | SOLE |  | 0 | 0 | 4697 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 10342224 | 145850 | SH |  | SOLE |  | 0 | 0 | 145850 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 11002704 | 283137 | SH |  | SOLE |  | 0 | 0 | 283137 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 6470127 | 90962 | SH |  | SOLE |  | 0 | 0 | 90962 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 18098572 | 289809 | SH |  | SOLE |  | 0 | 0 | 289809 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 6764496 | 128164 | SH |  | SOLE |  | 0 | 0 | 128164 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 1437984 | 42331 | SH |  | SOLE |  | 0 | 0 | 42331 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 1343721 | 34070 | SH |  | SOLE |  | 0 | 0 | 34070 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 986057 | 28540 | SH |  | SOLE |  | 0 | 0 | 28540 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 9737175 | 200932 | SH |  | SOLE |  | 0 | 0 | 200932 |
| EA SERIES TRUST | EA BRIDGEWAY OMN | 02072L532 |  | 1103747 | 43506 | SH |  | SOLE |  | 0 | 0 | 43506 |
| ELI LILLY  CO | COM | 532457108 |  | 3098705 | 3369 | SH |  | SOLE |  | 0 | 0 | 3369 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 438569 | 2108 | SH |  | SOLE |  | 0 | 0 | 2108 |
| FIRST TR EXCHANGE-TRADED FD | TECH ALPHADEX | 33734X176 |  | 258164 | 1625 | SH |  | SOLE |  | 0 | 0 | 1625 |
| GLOBE LIFE INC | COM | 37959E102 |  | 504699 | 3626 | SH |  | SOLE |  | 0 | 0 | 3626 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 3632022 | 52072 | SH |  | SOLE |  | 0 | 0 | 52072 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 725157 | 9248 | SH |  | SOLE |  | 0 | 0 | 9248 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 4115088 | 28892 | SH |  | SOLE |  | 0 | 0 | 28892 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 930958 | 7489 | SH |  | SOLE |  | 0 | 0 | 7489 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 2024950 | 9477 | SH |  | SOLE |  | 0 | 0 | 9477 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 987215 | 3981 | SH |  | SOLE |  | 0 | 0 | 3981 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 889177 | 4690 | SH |  | SOLE |  | 0 | 0 | 4690 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 2599612 | 31107 | SH |  | SOLE |  | 0 | 0 | 31107 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 287522 | 977 | SH |  | SOLE |  | 0 | 0 | 977 |
| MICROSOFT CORP | COM | 594918104 |  | 408027 | 1102 | SH |  | SOLE |  | 0 | 0 | 1102 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1902704 | 10910 | SH |  | SOLE |  | 0 | 0 | 10910 |
| OMEGA HEALTHCARE INVS INC | COM | 681936100 |  | 263971 | 6024 | SH |  | SOLE |  | 0 | 0 | 6024 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 512826 | 20001 | SH |  | SOLE |  | 0 | 0 | 20001 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 |  | 4928439 | 106308 | SH |  | SOLE |  | 0 | 0 | 106308 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 2102962 | 42979 | SH |  | SOLE |  | 0 | 0 | 42979 |
| SOUTHERN CO | COM | 842587107 |  | 468274 | 4852 | SH |  | SOLE |  | 0 | 0 | 4852 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 582174 | 12753 | SH |  | SOLE |  | 0 | 0 | 12753 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 297372 | 3245 | SH |  | SOLE |  | 0 | 0 | 3245 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 394756 | 607 | SH |  | SOLE |  | 0 | 0 | 607 |
| TESLA INC | COM | 88160R101 |  | 206321 | 555 | SH |  | SOLE |  | 0 | 0 | 555 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 9087947 | 115903 | SH |  | SOLE |  | 0 | 0 | 115903 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 241959 | 3135 | SH |  | SOLE |  | 0 | 0 | 3135 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 972760 | 4958 | SH |  | SOLE |  | 0 | 0 | 4958 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 4668910 | 21491 | SH |  | SOLE |  | 0 | 0 | 21491 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5329362 | 8919 | SH |  | SOLE |  | 0 | 0 | 8919 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4817545 | 15017 | SH |  | SOLE |  | 0 | 0 | 15017 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1058199 | 19578 | SH |  | SOLE |  | 0 | 0 | 19578 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 314161 | 855 | SH |  | SOLE |  | 0 | 0 | 855 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 423544 | 2922 | SH |  | SOLE |  | 0 | 0 | 2922 |

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