I use 2DW232 ( metrology section ) as a reference, additionally trimmed for a minimum tempco
another option IR LED , as lowest noise source in LED, but 2DW232 at min. tempco really great. basic circuit opamp zener transistor ; zener fed from opamp , V output doubled .. 10.4V approx.
use capacitor multiplier to feed Ref. circuit and error opamp, 2-n order filter with 680 ohm resistors , with 5-10ma load - it does some filtering.
all ref / mgm circuit in enclosed shielded box , just pins for external connection, shielded variable resistors and shielded wire to connect sensitive points.
and it fail .... ringing when inductance load, ( maybe not

) 3 wirewound resistors ... oh well , seems it will be a new iteration ...