Financial & Tax Architects, LLC

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 15, 2025), Financial & Tax Architects, LLC reported 103 stock positions worth $392.6 million. Its top holding was SS SPDR BB 1-3M T-Bill ETF (BIL) at 9.9% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 5.7%) and iShares 7-10 Year Treasury B (IEF, 4.6%). Compared with Q3 2024, it opened 12 new positions, sold out of 4, added to 72 and reduced 18. The biggest buy was SS SPDR BB 1-3M T-Bill ETF (BIL, shares +88%) and the biggest sale iShares MSCI Eafe ETF (EFA, shares −98%).

Most Recent 13F
Q2 2026
Location
ST LOUIS, MO
CIK
0001758543
Portfolio Value
$392.6M (Q4 2024)
SEC Filing
0001214659-25-000660 ↗ filed Jan 15, 2025

Holdings Value

0$100.0M$200.0M$300.0M$400.0M$500.0M Q1 2024: $363.4M Q1 2024 Q2 2024: $373.0M Q2 2024 Q3 2024: $389.0M Q3 2024 Q4 2024: $392.6M $392.6M Q4 2024 Q1 2025: $398.4M Q1 2025 Q2 2025: $411.7M Q2 2025 Q3 2025: $453.1M Q3 2025 Q4 2025: $445.0M Q4 2025 Q1 2026: $448.4M Q1 2026 Q2 2026: $474.3M Q2 2026

Holdings 103 stocks · $392.6M
BIL SS SPDR BB 1-3M T-Bill ETF 9.89% 424,653 $38.8M Add +88.4%
SPY SS SPDR S&P 500 ETF Trust-US 5.70% 38,162 $22.4M Add +1.9%
IEF iShares 7-10 Year Treasury B 4.64% 197,230 $18.2M Add +4.8%
USRT iShares Core US REIT ETF 4.45% 304,711 $17.5M Add +4.4%
AGG iShares Core U.S. Aggregate 4.05% 164,212 $15.9M Add +2.8%
NOBL Proshares S&P 500 Dividend A 3.26% 128,535 $12.8M Add +2.8%
FBND Fidelity Total Bond ETF 3.25% 284,242 $12.8M New
BND Vanguard Total Bond Market 3.00% 163,956 $11.8M Add +0.3%
VCSH Vanguard S/T Corp. Bond ETF 2.52% 126,628 $9.9M Add +4751.6%
CWB SS SPDR BB Conv Sec ETF 2.33% 117,343 $9.1M New
WMT Walmart Inc. 1.93% 84,059 $7.6M Reduce -11.1%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 1.89% 33,763 $7.4M Reduce -3.9%
SPGI S&P Global Inc. 1.77% 13,989 $7.0M Add +4.2%
ADP Automatic Data Processing 1.75% 23,437 $6.9M Reduce -0.4%
TIP iShares Tips Bond ETF 1.71% 62,916 $6.7M Add +3.3%
ABT Abbott Laboratories 1.70% 59,069 $6.7M Add +5.1%
MCD McDonald's Corp. 1.70% 22,982 $6.7M Add +3.9%
LOW Lowe's Cos Inc. 1.68% 26,765 $6.6M Add +1.9%
ABBV Abbvie Inc. 1.68% 37,082 $6.6M Add +4.7%
CAT Caterpillar Inc. 1.66% 17,923 $6.5M Add +0.6%
PG The Procter & Gamble Co. 1.64% 38,492 $6.5M Add +5.2%
KO The Coca-Cola Co. 1.60% 100,629 $6.3M Add +7.9%
SHW The Sherwin-Williams Co. 1.58% 18,303 $6.2M Add +1.3%
T AT&T Inc. 1.56% 269,712 $6.1M New
NEE Nextera Energy Inc. 1.55% 85,124 $6.1M Add +6.0%
CVX Chevron Corp. 1.55% 41,920 $6.1M Add +8.1%
MDT Medtronic PLC 1.53% 75,222 $6.0M Add +5.0%
JNJ Johnson & Johnson 1.53% 41,533 $6.0M Add +6.0%
XOM Exxon Mobil Corp. 1.53% 55,760 $6.0M Add +6.4%
PEP Pepsico Inc. 1.49% 38,417 $5.8M Add +12.6%
RTX RTX Corp. 1.47% 49,882 $5.8M New
JNK SS SPDR BB High Yield Bond 1.22% 50,195 $4.8M New
NVDA Nvidia Corp. 1.20% 35,000 $4.7M Add +2.2%
VTWO Vanguard Russell 2000 ETF 1.14% 50,073 $4.5M Add +5.0%
HYG Ishr Ibx Usd Hiyld CB ETF-Ui 0.90% 44,757 $3.5M Add +8.3%
USHY iShares Broad Usd High Yield 0.86% 91,639 $3.4M Add +6.5%
HYS PIMCO 0-5 Year H/Y Corp. Bond 0.83% 34,971 $3.3M Add +7.4%
AAPL Apple Inc. 0.78% 12,275 $3.1M Add +8.4%
IAU iShares Gold Trust 0.68% 53,933 $2.7M Reduce -3.2%
GBIL Goldman Sachs Access Treasur 0.66% 25,848 $2.6M Add +8.3%
SCHR Schwab Intermediate-Term US 0.63% 101,159 $2.5M Add +12.3%
VNQ Vanguard Real Estate ETF 0.62% 27,500 $2.4M Add +7.8%
TLH iShares 10-20 Year Treasury 0.61% 24,004 $2.4M Add +9.8%
MSFT Microsoft Corp. 0.57% 5,348 $2.3M Add +2.2%
VTI VG Morningstar TS MKT ETF-US 0.57% 7,719 $2.2M Reduce -84.5%
VLUE iShares MSCI USA Value Facto 0.56% 20,644 $2.2M Add +7.6%
AVGO Broadcom Inc. 0.55% 9,280 $2.2M Add +10.6%
AMZN Amazon.com Inc. 0.49% 8,849 $1.9M Add +9.2%
FTSD Franklin Short Duration U.S. 0.49% 21,342 $1.9M Reduce -12.8%
GOOG Alphabet Inc. Class C 0.45% 9,223 $1.8M Add +13.6%
META Meta Platforms Inc. Class A 0.44% 2,960 $1.7M Add +6.6%
COST Costco Wholesale Corp. 0.41% 1,745 $1.6M Add +7.5%
NFLX Netflix Inc. 0.39% 1,729 $1.5M Reduce -4.8%
ASML ASML Holding NV-NY Reg SHS 0.37% 2,114 $1.5M Add +48.3%
SPLV Invesco S&P 500 Low Volatili 0.33% 18,551 $1.3M New
SGOL Abrdn Physical Gold Shares 0.31% 49,071 $1.2M Reduce -20.8%
IVW iShares S&P 500 Growth ETF 0.22% 8,456 $859K New
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.22% 3,214 $849K Add +312.1%
XLU St Sr Utl SL SE SPDR ETF-Usd 0.20% 10,421 $789K Add +8.1%
XLY SS Consumer Disc Select Sect 0.19% 3,400 $763K Add +7.4%
VOX Vanguard Communication Servi 0.19% 4,875 $755K Add +7.0%
XLF SS Financial Select Sector 0.19% 15,263 $738K Add +0.8%
XLK SS Technology Select Sector 0.18% 3,100 $721K Add +10.9%
XLI SS Industrial Select Sector 0.18% 5,380 $709K Add +8.2%
XLP SS Consumer Staples Sel Sect 0.18% 8,861 $697K Add +15.4%
FM iShares Frontier and Select 0.17% 24,977 $678K Add +12.0%
IYR iShares US Real Estate ETF 0.17% 7,263 $676K Add +14.3%
SAP Sap SE-Sponsored ADR 0.17% 2,633 $648K Reduce -1.0%
XLV SS Health Care Select Sector 0.16% 4,604 $633K Add +12.3%
XLE SS Energy Select Sector 0.16% 7,347 $629K Add +10.8%
XLB SS Materials Select Sector 0.16% 7,359 $619K Add +15.1%
INFY Infosys Ltd.-SP ADR 0.16% 28,222 $619K Add +10.7%
PNR Pentair PLC 0.16% 6,089 $613K Reduce -6.5%
IWM iShares Russell 2000 ETF 0.15% 2,716 $600K New
CB Chubb Ltd. 0.15% 2,163 $598K Add +9.7%
IVV iShares Core S&P 500 ETF 0.15% 1,015 $598K Reduce -45.9%
BTI British American Tob-SP ADR 0.15% 16,199 $588K Add +13.0%
UL Unilever PLC 0.15% 10,335 $586K Add +11.1%
SNY Sanofi-ADR 0.15% 11,824 $570K Add +14.8%
EWS iShares MSCI Singapore ETF 0.14% 25,983 $568K New
LIN Linde PLC 0.14% 1,326 $555K Add +11.7%
NVS Novartis AG-Sponsored ADR 0.14% 5,522 $537K Add +14.1%
AMCR Amcor PLC 0.14% 56,579 $532K Add +12.8%
VB Vanguard Most SM-Cap ETF-Usd 0.13% 2,058 $495K Add +18.8%
QQQ Invesco QQQ Trust Series 1 0.12% 915 $468K Add +9.4%
HD Home Depot Inc. 0.12% 1,200 $467K No change
KXI iShares Global Consumer Stap 0.12% 7,488 $451K Add +49.1%
IGF iShares Global Infrastructur 0.11% 8,577 $448K Add +51.0%
GSY Invesco Ultra Short Duration 0.11% 8,944 $448K Add +1.0%
UNH Unitedhealth Group Inc. 0.11% 871 $441K Add +0.3%
EFA iShares MSCI Eafe ETF 0.11% 5,636 $426K Reduce -97.6%
GD General Dynamics Corp. 0.10% 1,518 $400K Reduce -92.2%
BCI Abrdn Bloomberg All Commodit filed as ABRDN ETFS 0.09% 17,830 $352K Reduce -8.3%
BSV Vanguard Short-Term Bond ETF 0.09% 4,555 $352K Reduce -1.4%
SPYG SS SPDR P S&P 500 Growth ETF 0.09% 3,992 $351K New
CL Colgate-Palmolive Co. 0.09% 3,754 $341K Reduce -93.8%
MA Mastercard Inc. Class A 0.07% 551 $290K Add +2.2%
OUNZ Vaneck Merk Gold ETF 0.07% 11,408 $289K Add +2.5%
VDE Vanguard Energy ETF 0.07% 2,335 $283K Add +3.4%
EWM iShares MSCI Malaysia ETF 0.07% 11,373 $279K Reduce -75.9%
ARGT Global X MSCI Argentina ETF 0.07% 3,265 $270K Reduce -11.0%
QUAL iShares MSCI USA Quality Fac 0.05% 1,151 $205K New
JFR Nuveen Floating Rate Income 0.04% 17,569 $157K New

Portfolio Sells Q3 2024 → Q4 2024
EFA iShares MSCI Eafe ETF Reduce -97.6% 0.11% −4.86
PCY Invesco Emerging Markets Sov Sold out 0.00% −3.71
VTI VG Morningstar TS MKT ETF-US Reduce -84.5% 0.57% −3.05
VGLT Vanguard Long-Term Treasury Sold out 0.00% −2.30
CL Colgate-Palmolive Co. Reduce -93.8% 0.09% −1.53
GD General Dynamics Corp. Reduce -92.2% 0.10% −1.40
EWM iShares MSCI Malaysia ETF Reduce -75.9% 0.07% −0.26
IVV iShares Core S&P 500 ETF Reduce -45.9% 0.15% −0.13
IBM Intl Business Machines Corp. Reduce -3.9% 1.89% −0.11
SCHD Schwab US DVD Equity ETF Sold out 0.00% −0.09
SGOL Abrdn Physical Gold Shares Reduce -20.8% 0.31% −0.09
FTSD Franklin Short Duration U.S. Reduce -12.8% 0.49% −0.08
IVE iShares S&P 500 Value ETF Sold out 0.00% −0.06
IAU iShares Gold Trust Reduce -3.2% 0.68% −0.03
WMT Walmart Inc. Reduce -11.1% 1.93% −0.03
BCI Abrdn Bloomberg All Commodit Reduce -8.3% 0.09% −0.01
PNR Pentair PLC Reduce -6.5% 0.16% −0.01
BSV Vanguard Short-Term Bond ETF Reduce -1.4% 0.09% −0.00
ARGT Global X MSCI Argentina ETF Reduce -11.0% 0.07% +0.01
SAP Sap SE-Sponsored ADR Reduce -1.0% 0.17% +0.01
NFLX Netflix Inc. Reduce -4.8% 0.39% +0.06
ADP Automatic Data Processing Reduce -0.4% 1.75% +0.07

Portfolio Buys Q3 2024 → Q4 2024
BIL SS SPDR BB 1-3M T-Bill ETF Add +88.4% 9.89% +4.57
FBND Fidelity Total Bond ETF New 3.25% +3.25
VCSH Vanguard S/T Corp. Bond ETF Add +4751.6% 2.52% +2.46
CWB SS SPDR BB Conv Sec ETF New 2.33% +2.33
T AT&T Inc. New 1.56% +1.56
RTX RTX Corp. New 1.47% +1.47
JNK SS SPDR BB High Yield Bond New 1.22% +1.22
SPLV Invesco S&P 500 Low Volatili New 0.33% +0.33
IVW iShares S&P 500 Growth ETF New 0.22% +0.22
AVGO Broadcom Inc. Add +10.6% 0.55% +0.18
SPY SS SPDR S&P 500 ETF Trust-US Add +1.9% 5.70% +0.17
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +312.1% 0.22% +0.16
IWM iShares Russell 2000 ETF New 0.15% +0.15
EWS iShares MSCI Singapore ETF New 0.14% +0.14
NVDA Nvidia Corp. Add +2.2% 1.20% +0.13
AMZN Amazon.com Inc. Add +9.2% 0.49% +0.11
AAPL Apple Inc. Add +8.4% 0.78% +0.10
GOOG Alphabet Inc. Class C Add +13.6% 0.45% +0.10
SPYG SS SPDR P S&P 500 Growth ETF New 0.09% +0.09
CVX Chevron Corp. Add +8.1% 1.55% +0.08
ASML ASML Holding NV-NY Reg SHS Add +48.3% 0.37% +0.07
ABT Abbott Laboratories Add +5.1% 1.70% +0.05
QUAL iShares MSCI USA Quality Fac New 0.05% +0.05
HYG Ishr Ibx Usd Hiyld CB ETF-Ui Add +8.3% 0.90% +0.04
VTWO Vanguard Russell 2000 ETF Add +5.0% 1.14% +0.04
GBIL Goldman Sachs Access Treasur Add +8.3% 0.66% +0.04
JFR Nuveen Floating Rate Income New 0.04% +0.04
SCHR Schwab Intermediate-Term US Add +12.3% 0.63% +0.04
COST Costco Wholesale Corp. Add +7.5% 0.41% +0.04
HYS PIMCO 0-5 Year H/Y Corp. Bond Add +7.4% 0.83% +0.04
IGF iShares Global Infrastructur Add +51.0% 0.11% +0.03
META Meta Platforms Inc. Class A Add +6.6% 0.44% +0.03
XLY SS Consumer Disc Select Sect Add +7.4% 0.19% +0.03
KXI iShares Global Consumer Stap Add +49.1% 0.12% +0.03
USHY iShares Broad Usd High Yield Add +6.5% 0.86% +0.03
VOX Vanguard Communication Servi Add +7.0% 0.19% +0.02
XLK SS Technology Select Sector Add +10.9% 0.18% +0.02
VB Vanguard Most SM-Cap ETF-Usd Add +18.8% 0.13% +0.02
VLUE iShares MSCI USA Value Facto Add +7.6% 0.56% +0.02
BTI British American Tob-SP ADR Add +13.0% 0.15% +0.02
FM iShares Frontier and Select Add +12.0% 0.17% +0.01
QQQ Invesco QQQ Trust Series 1 Add +9.4% 0.12% +0.01
PG The Procter & Gamble Co. Add +5.2% 1.64% +0.01
XLP SS Consumer Staples Sel Sect Add +15.4% 0.18% +0.01
INFY Infosys Ltd.-SP ADR Add +10.7% 0.16% +0.01
XLF SS Financial Select Sector Add +0.8% 0.19% +0.01
XLE SS Energy Select Sector Add +10.8% 0.16% +0.01
XLI SS Industrial Select Sector Add +8.2% 0.18% +0.01
CB Chubb Ltd. Add +9.7% 0.15% +0.01
IYR iShares US Real Estate ETF Add +14.3% 0.17% +0.01

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 110$474.3MFBND, USRT, EFA, SPY, BCI
Q1 2026 108$448.4MVTI, BCI, EFA, USRT, SPY
Q4 2025 103$445.0MVTI, EFA, SPY, IEF, USRT
Q3 2025 104$453.1MEFA, FBND, SPY, BCI, USRT
Q2 2025 93$411.7MBIL, EFA, SPY, IEF, VTI
Q1 2025 101$398.4MSPY, BCI, EFA, IEF, USRT
Q4 2024 103$392.6MBIL, SPY, IEF, USRT, AGG
Q3 2024 95$389.0MSPY, BIL, EFA, IEF, USRT
Q2 2024 82$373.0MBIL, SPY, BCI, EFA, IEF
Q1 2024 85$363.4MSPY, EFA, USRT, BCI, IEF