Financial & Tax Architects, LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 13, 2025), Financial & Tax Architects, LLC reported 93 stock positions worth $411.7 million. Its top holding was SS SPDR BB 1-3M T-Bill ETF (BIL) at 9.9% of the portfolio, followed by iShares MSCI Eafe ETF (EFA, 5.1%) and SS SPDR S&P 500 ETF Trust-US (SPY, 4.8%). Compared with Q1 2025, it opened 15 new positions, sold out of 23, added to 56 and reduced 22. The biggest buy was SS SPDR BB 1-3M T-Bill ETF (BIL, shares +1562%) and the biggest sale an exit from Abrdn Bloomberg All Commodit (BCI).
- Most Recent 13F
- Q2 2026
- Location
- ST LOUIS, MO
- CIK
- 0001758543
- Portfolio Value
- $411.7M (Q2 2025)
- SEC Filing
- 0001214659-25-012000 ↗ filed Aug 13, 2025
Holdings Value
Holdings 93 stocks · $411.7M
| BIL SS SPDR BB 1-3M T-Bill ETF | 9.90% | 444,133 | $40.7M | Add +1561.7% |
| EFA iShares MSCI Eafe ETF | 5.13% | 236,248 | $21.1M | Add +4.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 4.76% | 31,704 | $19.6M | Reduce -14.8% |
| IEF iShares 7-10 Year Treasury B | 4.74% | 203,679 | $19.5M | Add +5.4% |
| VTI VG Morningstar TS MKT ETF-US | 4.48% | 60,676 | $18.4M | Add +639.9% |
| AGG iShares Core U.S. Aggregate | 3.60% | 149,546 | $14.8M | Reduce -2.6% |
| VTIP Vanguard Short-Term Tips | 3.46% | 283,182 | $14.2M | New |
| NOBL Proshares S&P 500 Dividend A | 2.81% | 114,904 | $11.6M | Reduce -10.4% |
| CWB SS SPDR BB Conv Sec ETF | 2.46% | 122,431 | $10.1M | Add +1.5% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 2.14% | 29,944 | $8.8M | Reduce -1.8% |
| BND Vanguard Total Bond Market | 2.12% | 118,367 | $8.7M | New |
| GBIL Goldman Sachs Access Treasur | 2.05% | 84,154 | $8.4M | Add +167.8% |
| WMT Walmart Inc. | 1.92% | 81,036 | $7.9M | Add +0.9% |
| ABT Abbott Laboratories | 1.88% | 56,778 | $7.7M | Reduce -0.1% |
| CAT Caterpillar Inc. | 1.84% | 19,542 | $7.6M | Add +1233.9% |
| SPGI S&P Global Inc. | 1.80% | 14,037 | $7.4M | Add +0.3% |
| KO The Coca-Cola Co. | 1.74% | 101,525 | $7.2M | Reduce -1.1% |
| CTAS Cintas Corp. | 1.74% | 32,161 | $7.2M | Add +6.3% |
| ABBV Abbvie Inc. | 1.68% | 37,207 | $6.9M | Add +1.1% |
| MDT Medtronic PLC | 1.67% | 78,698 | $6.9M | Add +2.9% |
| ADP Automatic Data Processing | 1.66% | 22,218 | $6.9M | Reduce -4.1% |
| XOM Exxon Mobil Corp. | 1.63% | 62,291 | $6.7M | Add +5.0% |
| MCD McDonald's Corp. | 1.63% | 22,926 | $6.7M | Reduce -1.6% |
| NEE Nextera Energy Inc. | 1.61% | 95,423 | $6.6M | Add +5.5% |
| JNJ Johnson & Johnson | 1.60% | 43,240 | $6.6M | Add +1.4% |
| CVX Chevron Corp. | 1.60% | 45,905 | $6.6M | Add +6.7% |
| SHW The Sherwin-Williams Co. | 1.59% | 19,040 | $6.5M | Add +0.9% |
| LOW Lowe's Cos Inc. | 1.56% | 28,931 | $6.4M | Add +5.0% |
| PG The Procter & Gamble Co. | 1.56% | 40,283 | $6.4M | Add +2.0% |
| PEP Pepsico Inc. | 1.54% | 47,875 | $6.3M | Add +14.0% |
| CL Colgate-Palmolive Co. | 1.53% | 69,377 | $6.3M | Add +1716.6% |
| TIP iShares Tips Bond ETF | 1.52% | 56,878 | $6.3M | Reduce -2.8% |
| NVDA Nvidia Corp. | 1.42% | 36,968 | $5.8M | Add +3.5% |
| SPAB SS SPDR P Agg Bond ETF | 0.94% | 151,461 | $3.9M | Add +336.3% |
| VTWO Vanguard Russell 2000 ETF | 0.92% | 43,656 | $3.8M | Add +426.9% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.87% | 44,411 | $3.6M | Reduce -5.0% |
| USHY iShares Broad Usd High Yield | 0.84% | 92,525 | $3.5M | Reduce -3.3% |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | 0.82% | 35,400 | $3.4M | Reduce -3.6% |
| IAU iShares Gold Trust | 0.76% | 50,248 | $3.1M | Reduce -5.2% |
| AAPL Apple Inc. | 0.71% | 14,151 | $2.9M | Add +6.5% |
| MSFT Microsoft Corp. | 0.70% | 5,784 | $2.9M | Add +5.4% |
| SCHR Schwab Intermediate-Term US | 0.68% | 112,092 | $2.8M | Add +17.2% |
| META Meta Platforms Inc. Class A | 0.50% | 2,795 | $2.1M | Add +8.5% |
| VLUE iShares MSCI USA Value Facto | 0.50% | 18,060 | $2.0M | Reduce -3.9% |
| STIP iShares 0-5 Year Tips Bond E | 0.48% | 19,066 | $2.0M | New |
| AVGO Broadcom Inc. | 0.46% | 6,887 | $1.9M | Reduce -4.1% |
| AMZN Amazon.com Inc. | 0.46% | 8,603 | $1.9M | Add +7.1% |
| NFLX Netflix Inc. | 0.44% | 1,361 | $1.8M | Reduce -15.3% |
| COST Costco Wholesale Corp. | 0.40% | 1,650 | $1.6M | Add +3.2% |
| GOOG Alphabet Inc. Class C | 0.40% | 9,169 | $1.6M | Add +6.7% |
| SGOL Abrdn Physical Gold Shares | 0.36% | 47,197 | $1.5M | Reduce -8.7% |
| TMUS T-Mobile US Inc. | 0.33% | 5,783 | $1.4M | New |
| EWO iShares MSCI Austria ETF | 0.32% | 45,011 | $1.3M | New |
| QQQ Invesco QQQ Trust Series 1 | 0.27% | 2,030 | $1.1M | Add +173.6% |
| XLU St Sr Utl SL SE SPDR ETF-Usd | 0.27% | 13,696 | $1.1M | Add +11.7% |
| GLD SPDR Gold Shares | 0.25% | 3,428 | $1.0M | Add +23.0% |
| XLF SS Financial Select Sector | 0.25% | 19,649 | $1.0M | Add +13.2% |
| XLK SS Technology Select Sector | 0.24% | 3,870 | $980K | Add +2.5% |
| XLP SS Consumer Staples Sel Sect | 0.23% | 11,704 | $948K | Add +11.9% |
| VOX Vanguard Communication Servi | 0.22% | 5,390 | $922K | Add +0.1% |
| XLI SS Industrial Select Sector | 0.22% | 6,145 | $907K | Reduce -2.7% |
| XLY SS Consumer Disc Select Sect | 0.21% | 4,051 | $880K | Add +3.0% |
| VEA Vanguard Ftse Developed ETF | 0.19% | 13,806 | $787K | Add +32.6% |
| IEFA iShares Core MSCI Eafe ETF | 0.19% | 9,136 | $763K | Add +31.8% |
| BTI British American Tob-SP ADR | 0.18% | 15,737 | $745K | Reduce -8.8% |
| SAP Sap SE-Sponsored ADR | 0.18% | 2,432 | $740K | Reduce -4.6% |
| NVS Novartis AG-Sponsored ADR | 0.18% | 6,078 | $735K | Add +0.8% |
| UL Unilever PLC | 0.17% | 11,423 | $699K | Add +0.7% |
| LIN Linde PLC | 0.17% | 1,474 | $692K | Add +0.9% |
| CB Chubb Ltd. | 0.17% | 2,347 | $680K | Add +0.3% |
| SONY Sony Group Corp. - SP ADR | 0.16% | 25,518 | $664K | New |
| RELX Relx PLC - Spon ADR | 0.16% | 12,202 | $663K | New |
| ENB Enbridge Inc. | 0.16% | 14,265 | $646K | New |
| SNY Sanofi-ADR | 0.15% | 12,940 | $625K | Add +3.1% |
| GSY Invesco Ultra Short Duration | 0.14% | 11,513 | $577K | Add +26.2% |
| JFR Nuveen Floating Rate Income | 0.11% | 53,034 | $449K | Add +182.7% |
| IVV iShares Core S&P 500 ETF | 0.10% | 689 | $428K | Reduce -48.6% |
| OUNZ Vaneck Merk Gold ETF | 0.10% | 13,226 | $422K | Add +16.2% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.10% | 8,357 | $395K | Add +1.6% |
| GREK Global X MSCI Greece ETF | 0.09% | 6,535 | $379K | New |
| BSV Vanguard Short-Term Bond ETF | 0.09% | 4,715 | $371K | Add +3.5% |
| MA Mastercard Inc. Class A | 0.08% | 612 | $344K | Add +40.4% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.08% | 1,218 | $341K | Add +32.4% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.08% | 3,520 | $336K | New |
| SPYI Neos S&P 500 High Income ETF | 0.08% | 6,378 | $321K | New |
| VDE Vanguard Energy ETF | 0.07% | 2,443 | $291K | Add +5.8% |
| UNH Unitedhealth Group Inc. | 0.07% | 883 | $275K | Add +1.6% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.06% | 1,126 | $267K | Reduce -43.5% |
| VNQI Vanguard GLBL Ex-US Real Est | 0.06% | 5,367 | $248K | New |
| T AT&T Inc. | 0.05% | 7,588 | $220K | Add +4.9% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.05% | 1,762 | $218K | New |
| QQQU Direxion Daily Magnificent 7 | 0.05% | 4,770 | $207K | New |
| ARKB ARK 21SHARES Bitcoin ETF | 0.05% | 5,688 | $204K | New |
Portfolio Sells Q1 2025 → Q2 2025
| BCI Abrdn Bloomberg All Commodit | Sold out | 0.00% | −5.01 |
| USRT iShares Core US REIT ETF | Sold out | 0.00% | −4.46 |
| FBND Fidelity Total Bond ETF | Sold out | 0.00% | −3.35 |
| VCSH Vanguard S/T Corp. Bond ETF | Sold out | 0.00% | −2.56 |
| MDY State Street SPDR S&P Midcap | Sold out | 0.00% | −2.48 |
| ITW Illinois Tool Works | Sold out | 0.00% | −1.55 |
| ECL Ecolab Inc. | Sold out | 0.00% | −1.41 |
| JNK SS SPDR BB High Yield Bond | Sold out | 0.00% | −1.22 |
| SPTI SS SPDR P Int Term TSY ETF | Sold out | 0.00% | −0.86 |
| VNQ Vanguard Real Estate ETF | Sold out | 0.00% | −0.66 |
| TLH iShares 10-20 Year Treasury | Sold out | 0.00% | −0.59 |
| FTSD Franklin Short Duration U.S. | Sold out | 0.00% | −0.53 |
| NOBL Proshares S&P 500 Dividend A | Reduce -10.4% | 2.81% | −0.48 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -14.8% | 4.76% | −0.46 |
| ASML ASML Holding NV-NY Reg SHS | Sold out | 0.00% | −0.32 |
| SPLV Invesco S&P 500 Low Volatili | Sold out | 0.00% | −0.27 |
| XLE SS Energy Select Sector | Sold out | 0.00% | −0.21 |
| AGG iShares Core U.S. Aggregate | Reduce -2.6% | 3.60% | −0.21 |
| IYR iShares US Real Estate ETF | Sold out | 0.00% | −0.21 |
| XLV SS Health Care Select Sector | Sold out | 0.00% | −0.20 |
| MCD McDonald's Corp. | Reduce -1.6% | 1.63% | −0.20 |
| EWS iShares MSCI Singapore ETF | Sold out | 0.00% | −0.19 |
| AMCR Amcor PLC | Sold out | 0.00% | −0.15 |
| PNR Pentair PLC | Sold out | 0.00% | −0.15 |
| INFY Infosys Ltd.-SP ADR | Sold out | 0.00% | −0.14 |
| EWM iShares MSCI Malaysia ETF | Sold out | 0.00% | −0.12 |
| ADP Automatic Data Processing | Reduce -4.1% | 1.66% | −0.11 |
| TIP iShares Tips Bond ETF | Reduce -2.8% | 1.52% | −0.11 |
| KO The Coca-Cola Co. | Reduce -1.1% | 1.74% | −0.10 |
| IVV iShares Core S&P 500 ETF | Reduce -48.6% | 0.10% | −0.09 |
| KXI iShares Global Consumer Stap | Sold out | 0.00% | −0.06 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Reduce -5.0% | 0.87% | −0.06 |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | Reduce -3.6% | 0.82% | −0.05 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -43.5% | 0.06% | −0.05 |
| USHY iShares Broad Usd High Yield | Reduce -3.3% | 0.84% | −0.04 |
| SGOL Abrdn Physical Gold Shares | Reduce -8.7% | 0.36% | −0.03 |
| IAU iShares Gold Trust | Reduce -5.2% | 0.76% | −0.02 |
| ABT Abbott Laboratories | Reduce -0.1% | 1.88% | −0.02 |
| VLUE iShares MSCI USA Value Facto | Reduce -3.9% | 0.50% | −0.01 |
| BTI British American Tob-SP ADR | Reduce -8.8% | 0.18% | +0.00 |
| SAP Sap SE-Sponsored ADR | Reduce -4.6% | 0.18% | +0.01 |
| XLI SS Industrial Select Sector | Reduce -2.7% | 0.22% | +0.01 |
| NFLX Netflix Inc. | Reduce -15.3% | 0.44% | +0.07 |
| AVGO Broadcom Inc. | Reduce -4.1% | 0.46% | +0.16 |
| IBM Intl Business Machines Corp. | Reduce -1.8% | 2.14% | +0.24 |
Portfolio Buys Q1 2025 → Q2 2025
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +1561.7% | 9.90% | +9.28 |
| VTI VG Morningstar TS MKT ETF-US | Add +639.9% | 4.48% | +3.91 |
| VTIP Vanguard Short-Term Tips | New | 3.46% | +3.46 |
| BND Vanguard Total Bond Market | New | 2.12% | +2.12 |
| CAT Caterpillar Inc. | Add +1233.9% | 1.84% | +1.72 |
| CL Colgate-Palmolive Co. | Add +1716.6% | 1.53% | +1.44 |
| GBIL Goldman Sachs Access Treasur | Add +167.8% | 2.05% | +1.26 |
| VTWO Vanguard Russell 2000 ETF | Add +426.9% | 0.92% | +0.76 |
| SPAB SS SPDR P Agg Bond ETF | Add +336.3% | 0.94% | +0.72 |
| STIP iShares 0-5 Year Tips Bond E | New | 0.48% | +0.48 |
| EFA iShares MSCI Eafe ETF | Add +4.0% | 5.13% | +0.47 |
| NVDA Nvidia Corp. | Add +3.5% | 1.42% | +0.45 |
| TMUS T-Mobile US Inc. | New | 0.33% | +0.33 |
| EWO iShares MSCI Austria ETF | New | 0.32% | +0.32 |
| QQQ Invesco QQQ Trust Series 1 | Add +173.6% | 0.27% | +0.18 |
| MSFT Microsoft Corp. | Add +5.4% | 0.70% | +0.18 |
| CTAS Cintas Corp. | Add +6.3% | 1.74% | +0.18 |
| SONY Sony Group Corp. - SP ADR | New | 0.16% | +0.16 |
| RELX Relx PLC - Spon ADR | New | 0.16% | +0.16 |
| ENB Enbridge Inc. | New | 0.16% | +0.16 |
| WMT Walmart Inc. | Add +0.9% | 1.92% | +0.16 |
| CWB SS SPDR BB Conv Sec ETF | Add +1.5% | 2.46% | +0.14 |
| META Meta Platforms Inc. Class A | Add +8.5% | 0.50% | +0.13 |
| IEF iShares 7-10 Year Treasury B | Add +5.4% | 4.74% | +0.11 |
| GREK Global X MSCI Greece ETF | New | 0.09% | +0.09 |
| SCHR Schwab Intermediate-Term US | Add +17.2% | 0.68% | +0.08 |
| SPYG SS SPDR P S&P 500 Growth ETF | New | 0.08% | +0.08 |
| SPYI Neos S&P 500 High Income ETF | New | 0.08% | +0.08 |
| AMZN Amazon.com Inc. | Add +7.1% | 0.46% | +0.07 |
| JFR Nuveen Floating Rate Income | Add +182.7% | 0.11% | +0.07 |
| VNQI Vanguard GLBL Ex-US Real Est | New | 0.06% | +0.06 |
| VEA Vanguard Ftse Developed ETF | Add +32.6% | 0.19% | +0.06 |
| GOOG Alphabet Inc. Class C | Add +6.7% | 0.40% | +0.06 |
| IEFA iShares Core MSCI Eafe ETF | Add +31.8% | 0.19% | +0.05 |
| DIS The Walt Disney Co. | New | 0.05% | +0.05 |
| GLD SPDR Gold Shares | Add +23.0% | 0.25% | +0.05 |
| QQQU Direxion Daily Magnificent 7 | New | 0.05% | +0.05 |
| ARKB ARK 21SHARES Bitcoin ETF | New | 0.05% | +0.05 |
| XLK SS Technology Select Sector | Add +2.5% | 0.24% | +0.04 |
| XLF SS Financial Select Sector | Add +13.2% | 0.25% | +0.03 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Add +11.7% | 0.27% | +0.03 |
| GSY Invesco Ultra Short Duration | Add +26.2% | 0.14% | +0.03 |
| MA Mastercard Inc. Class A | Add +40.4% | 0.08% | +0.02 |
| VOX Vanguard Communication Servi | Add +0.1% | 0.22% | +0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +32.4% | 0.08% | +0.02 |
| XLY SS Consumer Disc Select Sect | Add +3.0% | 0.21% | +0.02 |
| COST Costco Wholesale Corp. | Add +3.2% | 0.40% | +0.02 |
| OUNZ Vaneck Merk Gold ETF | Add +16.2% | 0.10% | +0.02 |
| XLP SS Consumer Staples Sel Sect | Add +11.9% | 0.23% | +0.02 |
| SPGI S&P Global Inc. | Add +0.3% | 1.80% | +0.01 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 110 | $474.3M | FBND, USRT, EFA, SPY, BCI |
| Q1 2026 | 108 | $448.4M | VTI, BCI, EFA, USRT, SPY |
| Q4 2025 | 103 | $445.0M | VTI, EFA, SPY, IEF, USRT |
| Q3 2025 | 104 | $453.1M | EFA, FBND, SPY, BCI, USRT |
| Q2 2025 | 93 | $411.7M | BIL, EFA, SPY, IEF, VTI |
| Q1 2025 | 101 | $398.4M | SPY, BCI, EFA, IEF, USRT |
| Q4 2024 | 103 | $392.6M | BIL, SPY, IEF, USRT, AGG |
| Q3 2024 | 95 | $389.0M | SPY, BIL, EFA, IEF, USRT |
| Q2 2024 | 82 | $373.0M | BIL, SPY, BCI, EFA, IEF |
| Q1 2024 | 85 | $363.4M | SPY, EFA, USRT, BCI, IEF |