Intracoastal Capital discloses 4.99% Reliance Global (RELI) stake

Rhea-AI Filing Summary

Reliance Global Group’s common stock has a new 4.99% reporting holder. Intracoastal Capital LLC, together with Mitchell P. Kopin and Daniel B. Asher, reports beneficial ownership of 942,906 shares of Reliance Global common stock as of February 2, 2026.

This stake includes 116,297 shares held by Intracoastal and 826,609 shares issuable upon exercise of a warrant called Intracoastal Warrant 2. Additional warrant shares are contractually blocked, limiting beneficial ownership to 4.99% or 9.99%, depending on the instrument. The group certifies the position is not held to change or influence control of Reliance Global.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

Reliance Global Group, Inc.

(Name of Issuer)

Common Stock, par value $0.086 per share

(Title of Class of Securities)

75946W405

(CUSIP Number)

01/28/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 75946W405

1

Names of Reporting Persons

Mitchell P. Kopin

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 942,906.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 826,609.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

942,906.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

4.99 %

12

Type of Reporting Person (See Instructions)

HC, IN

SCHEDULE 13G

CUSIP No. 75946W405

1

Names of Reporting Persons

Daniel B. Asher

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 942,906.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 826,609.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

942,906.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

4.99 %

12

Type of Reporting Person (See Instructions)

HC, IN

SCHEDULE 13G

CUSIP No. 75946W405

1

Names of Reporting Persons

Intracoastal Capital LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 942,906.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 826,609.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

942,906.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

4.99 %

12

Type of Reporting Person (See Instructions)

OO

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Reliance Global Group, Inc.
(b)	Address of issuer's principal executive offices: 300 Blvd. of the Americas, Suite 105, Lakewood, New Jersey 08701
Item 2.
(a)	Name of person filing: This Schedule 13G is being filed on behalf of (i) Mitchell P. Kopin, an individual ("Mr. Kopin"), (ii) Daniel B. Asher, an individual ("Mr. Asher") and (iii) Intracoastal Capital LLC, a Delaware limited liability company ("Intracoastal" and together with Mr. Kopin and Mr. Asher, collectively the "Reporting Persons").
(b)	Address or principal business office or, if none, residence: The principal business office of Mr. Kopin and Intracoastal is 245 Palm Trail, Delray Beach, Florida 33483. The principal business office of Mr. Asher is 1011 Lake Street, Suite 311, Oak Park, Illinois 60301.
(c)	Citizenship: Mr. Kopin is a citizen of the United States of America. Mr. Asher is a citizen of the United States of America. Intracoastal is a Delaware limited liability company.
(d)	Title of class of securities: Common Stock, par value $0.086 per share
(e)	CUSIP No.: 75946W405
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: (i) Immediately following the execution of the Securities Purchase Agreement with the Issuer on January 28, 2026 (the "SPA") (as disclosed in the Form 424B4 prospectus filed by the Issuer with the Securities and Exchange Commission on January 29, 2026), each of the Reporting Persons may have been deemed to have beneficial ownership of 1,191,314 shares of Common Stock, which consisted of (i) 1,180,000 shares of Common Stock to be issued to Intracoastal at the closing of the transaction contemplated by the SPA and (ii) 11,314 shares of Common Stock issuable upon exercise of a warrant to be issued to Intracoastal at the closing of the transaction contemplated by the SPA ("Intracoastal Warrant 1"), and all such shares of Common Stock represent beneficial ownership of approximately 9.99% of the Common Stock, based on (1) 10,733,753 shares of Common Stock outstanding as of January 14, 2026, as reported by the Issuer, plus (2) 1,180,000 shares of Common Stock to be issued to Intracoastal at the closing of the transaction contemplated by the SPA and (3) 11,314 shares of Common Stock issuable upon exercise of Intracoastal Warrant 1. The foregoing excludes (I) 104,983 shares of Common Stock issuable upon exercise of Intracoastal Warrant 1 because Intracoastal Warrant 1 contains a blocker provision under which the holder thereof does not have the right to exercise Intracoastal Warrant 1 to the extent (but only to the extent) that such exercise would result in beneficial ownership by the holder thereof, together with the holder's affiliates, and any other persons acting as a group together with the holder or any of the holder's affiliates, of more than 9.99% of the Common Stock and (II) 2,592,594 shares of Common Stock issuable upon exercise of a second warrant to be issued to Intracoastal at the closing of the transaction contemplated by the SPA ("Intracoastal Warrant 2") because Intracoastal Warrant 2 contains a blocker provision under which the holder thereof does not have the right to exercise Intracoastal Warrant 2 to the extent (but only to the extent) that such exercise would result in beneficial ownership by the holder thereof, together with the holder's affiliates, and any other persons acting as a group together with the holder or any of the holder's affiliates, of more than 4.99% of the Common Stock. Without such blocker provisions, each of the Reporting Persons may have been deemed to have beneficial ownership of 3,888,891 shares of Common Stock. (ii) As of the close of business on February 2, 2026, each of the Reporting Persons may have been deemed to have beneficial ownership of 942,906 shares of Common Stock, which consisted of (i) 116,297 shares of Common Stock held by Intracoastal and (ii) 826,609 shares of Common Stock issuable upon exercise of Intracoastal Warrant 2, and all such shares of Common Stock represent beneficial ownership of approximately 4.99% of the Common Stock, based on (1) 10,733,753 shares of Common Stock outstanding as of January 14, 2026, as reported by the Issuer, plus (2) 7,219,259 shares of Common Stock issued at the closing of the transaction contemplated by the SPA, (3) 116,297 shares of Common Stock issued to Intracoastal upon exercise of Intracoastal Warrant 1 and (4) 826,609 shares of Common Stock issuable upon exercise of Intracoastal Warrant 2. The foregoing excludes 1,765,985 shares of Common Stock issuable upon exercise of Intracoastal Warrant 2 because Intracoastal Warrant 2 contains a blocker provision under which the holder thereof does not have the right to exercise Intracoastal Warrant 2 to the extent (but only to the extent) that such exercise would result in beneficial ownership by the holder thereof, together with the holder's affiliates, and any other persons acting as a group together with the holder or any of the holder's affiliates, of more than 4.99% of the Common Stock. Without such blocker provision, each of the Reporting Persons may have been deemed to have beneficial ownership of 2,708,891 shares of Common Stock.
(b)	Percent of class: 4.99%
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 942,906
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 826,609
Item 5.	Ownership of 5 Percent or Less of a Class.
	Ownership of 5 percent or less of a class
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Mitchell P. Kopin

Signature:	/s/ Mitchell P. Kopin
Name/Title:	Mitchell P. Kopin
Date:	02/02/2026

Daniel B. Asher

Signature:	/s/ Daniel B. Asher
Name/Title:	Daniel B. Asher
Date:	02/02/2026

Intracoastal Capital LLC

Signature:	/s/ Mitchell P. Kopin
Name/Title:	Mitchell P. Kopin/Manager
Date:	02/02/2026

Exhibit Information

Exhibit 1 - Joint Filing Agreement

FAQ

What percentage of Reliance Global Group (RELI) does Intracoastal Capital report owning?

Intracoastal Capital and its principals report beneficial ownership of 4.99% of Reliance Global’s common stock. This corresponds to 942,906 shares, combining stock already issued to Intracoastal and additional shares issuable upon exercise of Intracoastal Warrant 2 under specified limits.

How many Reliance Global (RELI) shares are included in the 4.99% stake?

The reported 4.99% stake equals 942,906 Reliance Global common shares. This consists of 116,297 shares held by Intracoastal and 826,609 shares issuable from Intracoastal Warrant 2, calculated against the outstanding share count referenced in the ownership section.

Who are the reporting persons in this Reliance Global (RELI) Schedule 13G filing?

The filing is submitted on behalf of Mitchell P. Kopin, Daniel B. Asher, and Intracoastal Capital LLC. Kopin and Asher are U.S. individuals, while Intracoastal is a Delaware limited liability company that holds the Reliance Global securities described.

What warrants related to Reliance Global (RELI) are held by Intracoastal Capital?

Intracoastal holds two warrants, Intracoastal Warrant 1 and Intracoastal Warrant 2. Portions of each are excluded from current beneficial ownership calculations because they contain blocker provisions that cap ownership at 9.99% or 4.99% of Reliance Global’s common stock.

Did Intracoastal Capital’s Reliance Global (RELI) position previously exceed 5%?

Immediately after signing the Securities Purchase Agreement on January 28, 2026, the reporting persons may have been deemed to beneficially own approximately 9.99% of Reliance Global. Subsequent changes and blocker provisions reduced reported beneficial ownership to 4.99% as of February 2, 2026.

Are Intracoastal Capital and its principals seeking control of Reliance Global (RELI)?

The reporting persons certify the Reliance Global securities were not acquired and are not held to change or influence control of the issuer. They also state the holdings are not part of any control-oriented transaction, other than limited nomination-related activities permitted under rules.