REFINED WEALTH MANAGEMENT

Filed: 4/21/2026ACC: 0001724729-26-000003

📋 What this filing means

REFINED WEALTH MANAGEMENT filed this quarterly 13F‑HR report disclosing 50 equity positions with a total reported market value of $158.43M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$158.43M

Total AUM (reported)

3.45M

Total Shares

Allocation by class

COM$25.65M16.2%

VAN FTSE DEV MKT$17.92M11.3%

UNIT SER 1$13.39M8.5%

S&P500 EQL WGT$12.58M7.9%

COM CL A$10.33M6.5%

SHS BEN INT$9.04M5.7%

MULTISECTOR BD$8.13M5.1%

Portfolio Concentration

Top 3$43.89M27.7%

4–10$58.91M37.2%

11–25$47.97M30.3%

Rest$7.66M4.8%

Top 3 weight

27.7%

Top 10 weight

64.9%

Voting Authority Distribution

Total shares with voting rights: 3.45M

Sole

Full voting authority

3.45M

% of voting shares100.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

0.00

% of voting shares0.0%

Investment Discretion (by position count)

Sole50

Shared0

Other0

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings50

Rows:

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares279.67K

TypeSH

Market value$17.92M

11.31%

Sole

279.67K

Shared

0.00

None

0.00

INVESCO QQQ TR

SOLE

UNIT SER 1

Shares23.20K

TypeSH

Market value$13.39M

8.45%

Sole

23.20K

Shared

0.00

None

0.00

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares65.55K

TypeSH

Market value$12.58M

7.94%

Sole

65.55K

Shared

0.00

None

0.00

COINBASE GLOBAL INC

SOLE

COM CL A

Shares59.15K

TypeSH

Market value$10.33M

6.52%

Sole

59.15K

Shared

0.00

None

0.00

CHEVRON CORPORATION

SOLE

COM

Shares44.44K

TypeSH

Market value$9.19M

5.80%

Sole

44.44K

Shared

0.00

None

0.00

BITWISE BITCOIN ETF TR

SOLE

SHS BEN INT

Shares245.69K

TypeSH

Market value$9.04M

5.71%

Sole

245.69K

Shared

0.00

None

0.00

PIMCO ETF TR

SOLE

MULTISECTOR BD

Shares310.49K

TypeSH

Market value$8.13M

5.13%

Sole

310.49K

Shared

0.00

None

0.00

BLACKROCK ETF TRUST II

SOLE

ISHARES FLEXIBLE

Shares148.17K

TypeSH

Market value$7.69M

4.86%

Sole

148.17K

Shared

0.00

None

0.00

SPDR GOLD TR

SOLE

GOLD SHS

Shares17.07K

TypeSH

Market value$7.35M

4.64%

Sole

17.07K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares36.52K

TypeSH

Market value$7.16M

4.52%

Sole

36.52K

Shared

0.00

None

0.00

MARATHON PETE CORP

SOLE

COM

Shares24.99K

TypeSH

Market value$6.10M

3.85%

Sole

24.99K

Shared

0.00

None

0.00

ISHARES INC

SOLE

MSCI EMRG CHN

Shares77.43K

TypeSH

Market value$6.09M

3.84%

Sole

77.43K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

INT-TRM U.S TRES

Shares228.48K

TypeSH

Market value$5.69M

3.59%

Sole

228.48K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

INTL BD OPP ETF

Shares116.59K

TypeSH

Market value$5.58M

3.52%

Sole

116.59K

Shared

0.00

None

0.00

ENOVIX CORPORATION

SOLE

COM

Shares854.47K

TypeSH

Market value$4.43M

2.79%

Sole

854.47K

Shared

0.00

None

0.00

ISHARES INC

SOLE

MSCI GBL ETF NEW

Shares77.68K

TypeSH

Market value$4.40M

2.77%

Sole

77.68K

Shared

0.00

None

0.00

VANECK ETF TRUST

SOLE

RARE EARTH AND S

Shares37.98K

TypeSH

Market value$3.34M

2.11%

Sole

37.98K

Shared

0.00

None

0.00

AMERICAN CENTY ETF TR

SOLE

US SML CP VALU

Shares21.77K

TypeSH

Market value$2.41M

1.52%

Sole

21.77K

Shared

0.00

None

0.00

INVESCO EXCHANGE TRADED FD T

SOLE

S&P MDCP MOMNTUM

Shares16.35K

TypeSH

Market value$2.37M

1.50%

Sole

16.35K

Shared

0.00

None

0.00

BITWISE XRP ETF

SOLE

BENEFICIAL INT

Shares148.60K

TypeSH

Market value$2.23M

1.41%

Sole

148.60K

Shared

0.00

None

0.00

BED BATH & BEYOND INC

SOLE

COM

Shares422.56K

TypeSH

Market value$1.96M

1.24%

Sole

422.56K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares1.53K

TypeSH

Market value$914.2K

0.58%

Sole

1.53K

Shared

0.00

None

0.00

FIRST TR EXCHANGE-TRADED FD

SOLE

FIRST TR ENH NEW

Shares14.21K

TypeSH

Market value$849.4K

0.54%

Sole

14.21K

Shared

0.00

None

0.00

NVIDIA CORPORATION

SOLE

COM

Shares4.85K

TypeSH

Market value$845.5K

0.53%

Sole

4.85K

Shared

0.00

None

0.00

APPLE INC

SOLE

COM

Shares3.01K

TypeSH

Market value$763.5K

0.48%

Sole

3.01K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	279.67K	SH	$17.92M 11.31%	279.67K
INVESCO QQQ TRSOLE	UNIT SER 1	23.20K	SH	$13.39M 8.45%	23.20K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	65.55K	SH	$12.58M 7.94%	65.55K
COINBASE GLOBAL INCSOLE	COM CL A	59.15K	SH	$10.33M 6.52%	59.15K
CHEVRON CORPORATIONSOLE	COM	44.44K	SH	$9.19M 5.80%	44.44K
BITWISE BITCOIN ETF TRSOLE	SHS BEN INT	245.69K	SH	$9.04M 5.71%	245.69K
PIMCO ETF TRSOLE	MULTISECTOR BD	310.49K	SH	$8.13M 5.13%	310.49K
BLACKROCK ETF TRUST IISOLE	ISHARES FLEXIBLE	148.17K	SH	$7.69M 4.86%	148.17K
SPDR GOLD TRSOLE	GOLD SHS	17.07K	SH	$7.35M 4.64%	17.07K
VANGUARD INDEX FDSSOLE	VALUE ETF	36.52K	SH	$7.16M 4.52%	36.52K
MARATHON PETE CORPSOLE	COM	24.99K	SH	$6.10M 3.85%	24.99K
ISHARES INCSOLE	MSCI EMRG CHN	77.43K	SH	$6.09M 3.84%	77.43K
SCHWAB STRATEGIC TRSOLE	INT-TRM U.S TRES	228.48K	SH	$5.69M 3.59%	228.48K
J P MORGAN EXCHANGE TRADED FSOLE	INTL BD OPP ETF	116.59K	SH	$5.58M 3.52%	116.59K
ENOVIX CORPORATIONSOLE	COM	854.47K	SH	$4.43M 2.79%	854.47K
ISHARES INCSOLE	MSCI GBL ETF NEW	77.68K	SH	$4.40M 2.77%	77.68K
VANECK ETF TRUSTSOLE	RARE EARTH AND S	37.98K	SH	$3.34M 2.11%	37.98K
AMERICAN CENTY ETF TRSOLE	US SML CP VALU	21.77K	SH	$2.41M 1.52%	21.77K
INVESCO EXCHANGE TRADED FD TSOLE	S&P MDCP MOMNTUM	16.35K	SH	$2.37M 1.50%	16.35K
BITWISE XRP ETFSOLE	BENEFICIAL INT	148.60K	SH	$2.23M 1.41%	148.60K
BED BATH & BEYOND INCSOLE	COM	422.56K	SH	$1.96M 1.24%	422.56K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	1.53K	SH	$914.2K 0.58%	1.53K
FIRST TR EXCHANGE-TRADED FDSOLE	FIRST TR ENH NEW	14.21K	SH	$849.4K 0.54%	14.21K
NVIDIA CORPORATIONSOLE	COM	4.85K	SH	$845.5K 0.53%	4.85K
APPLE INCSOLE	COM	3.01K	SH	$763.5K 0.48%	3.01K

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