Financial & Tax Architects, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 5, 2025), Financial & Tax Architects, LLC reported 104 stock positions worth $453.1 million. Its top holding was iShares MSCI Eafe ETF (EFA) at 4.9% of the portfolio, followed by Fidelity Total Bond ETF (FBND, 4.8%) and SS SPDR S&P 500 ETF Trust-US (SPY, 4.8%). Compared with Q2 2025, it opened 29 new positions, sold out of 18, added to 52 and reduced 23. The biggest buy was a new position in Fidelity Total Bond ETF (FBND) and the biggest sale SS SPDR BB 1-3M T-Bill ETF (BIL, shares −97%).
- Most Recent 13F
- Q2 2026
- Location
- ST LOUIS, MO
- CIK
- 0001758543
- Portfolio Value
- $453.1M (Q3 2025)
- SEC Filing
- 0001758543-25-000002 ↗ filed Nov 5, 2025
Holdings Value
Holdings 104 stocks · $453.1M
| EFA iShares MSCI Eafe ETF | 4.90% | 237,642 | $22.2M | Add +0.6% |
| FBND Fidelity Total Bond ETF | 4.84% | 474,361 | $21.9M | New |
| SPY SS SPDR S&P 500 ETF Trust-US | 4.84% | 32,921 | $21.9M | Add +3.8% |
| BCI Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 4.56% | 959,266 | $20.7M | New |
| USRT iShares Core US REIT ETF | 4.50% | 347,503 | $20.4M | New |
| IEF iShares 7-10 Year Treasury B | 4.45% | 209,066 | $20.2M | Add +2.6% |
| AGG iShares Core U.S. Aggregate | 3.06% | 138,314 | $13.9M | Reduce -7.5% |
| NOBL Proshares S&P 500 Dividend A | 2.48% | 109,004 | $11.2M | Reduce -5.1% |
| CWB SS SPDR BB Conv Sec ETF | 2.26% | 112,987 | $10.2M | Reduce -7.7% |
| VCSH Vanguard S/T Corp. Bond ETF | 2.10% | 119,209 | $9.5M | New |
| ABBV Abbvie Inc. | 1.99% | 38,942 | $9.0M | Add +4.7% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 1.94% | 31,167 | $8.8M | Add +4.1% |
| WMT Walmart Inc. | 1.94% | 85,130 | $8.8M | Add +5.0% |
| CAT Caterpillar Inc. | 1.92% | 18,271 | $8.7M | Reduce -6.5% |
| JNJ Johnson & Johnson | 1.84% | 45,008 | $8.3M | Add +4.1% |
| GD General Dynamics Corp. | 1.80% | 23,900 | $8.1M | New |
| ABT Abbott Laboratories | 1.78% | 60,069 | $8.0M | Add +5.8% |
| BND Vanguard Total Bond Market | 1.75% | 106,368 | $7.9M | Reduce -10.1% |
| MDT Medtronic PLC | 1.73% | 82,217 | $7.8M | Add +4.5% |
| LOW Lowe's Cos Inc. | 1.70% | 30,714 | $7.7M | Add +6.2% |
| CVX Chevron Corp. | 1.70% | 49,564 | $7.7M | Add +8.0% |
| NEE Nextera Energy Inc. | 1.69% | 101,495 | $7.7M | Add +6.4% |
| MCD McDonald's Corp. | 1.64% | 24,468 | $7.4M | Add +6.7% |
| XOM Exxon Mobil Corp. | 1.64% | 65,719 | $7.4M | Add +5.5% |
| KO The Coca-Cola Co. | 1.59% | 108,495 | $7.2M | Add +6.9% |
| PEP Pepsico Inc. | 1.57% | 50,783 | $7.1M | Add +6.1% |
| SHW The Sherwin-Williams Co. | 1.57% | 20,559 | $7.1M | Add +8.0% |
| SPGI S&P Global Inc. | 1.57% | 14,576 | $7.1M | Add +3.8% |
| CTAS Cintas Corp. | 1.56% | 34,458 | $7.1M | Add +7.1% |
| ADP Automatic Data Processing | 1.56% | 24,040 | $7.1M | Add +8.2% |
| PG The Procter & Gamble Co. | 1.54% | 45,533 | $7.0M | Add +13.0% |
| NVDA Nvidia Corp. | 1.48% | 35,961 | $6.7M | Reduce -2.7% |
| GBIL Goldman Sachs Access Treasur | 1.44% | 65,233 | $6.5M | Reduce -22.5% |
| TIP iShares Tips Bond ETF | 1.28% | 52,170 | $5.8M | Reduce -8.3% |
| PCY Invesco Emerging Markets Sov | 1.09% | 229,589 | $4.9M | New |
| AAPL Apple Inc. | 0.94% | 16,816 | $4.3M | Add +18.8% |
| VTWO Vanguard Russell 2000 ETF | 0.91% | 42,322 | $4.1M | Reduce -3.1% |
| MSFT Microsoft Corp. | 0.90% | 7,885 | $4.1M | Add +36.3% |
| IAU iShares Gold Trust | 0.82% | 50,919 | $3.7M | Add +1.3% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.78% | 43,400 | $3.5M | Reduce -2.3% |
| USHY iShares Broad Usd High Yield | 0.77% | 92,600 | $3.5M | Add +0.1% |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | 0.76% | 36,023 | $3.4M | Add +1.8% |
| SCHR Schwab Intermediate-Term US | 0.68% | 121,792 | $3.1M | Add +8.7% |
| TLH iShares 10-20 Year Treasury | 0.67% | 29,259 | $3.0M | New |
| GOOG Alphabet Inc. Class C | 0.55% | 10,231 | $2.5M | Add +11.6% |
| AVGO Broadcom Inc. | 0.54% | 7,369 | $2.4M | Add +7.0% |
| ASML ASML Holding NV-NY Reg SHS | 0.53% | 2,487 | $2.4M | New |
| VLUE iShares MSCI USA Value Facto | 0.48% | 17,530 | $2.2M | Reduce -2.9% |
| STIP iShares 0-5 Year Tips Bond E | 0.48% | 21,099 | $2.2M | Add +10.7% |
| AMZN Amazon.com Inc. | 0.48% | 9,842 | $2.2M | Add +14.4% |
| META Meta Platforms Inc. Class A | 0.47% | 2,879 | $2.1M | Add +3.0% |
| NFLX Netflix Inc. | 0.42% | 1,588 | $1.9M | Add +16.7% |
| COST Costco Wholesale Corp. | 0.41% | 2,021 | $1.9M | Add +22.5% |
| SGOL Abrdn Physical Gold Shares | 0.39% | 48,481 | $1.8M | Add +2.7% |
| ITOT iShares Core S&P Total U.S. | 0.32% | 10,068 | $1.5M | New |
| IVW iShares S&P 500 Growth ETF | 0.32% | 12,105 | $1.5M | New |
| VOO Vanguard S&P 500 ETF | 0.32% | 2,331 | $1.4M | New |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.31% | 15,192 | $1.4M | Reduce -96.6% |
| IWM iShares Russell 2000 ETF | 0.30% | 5,571 | $1.3M | New |
| XLU St Sr Utl SL SE SPDR ETF-Usd | 0.30% | 15,344 | $1.3M | Add +12.0% |
| XLK SS Technology Select Sector | 0.28% | 4,489 | $1.3M | Add +16.0% |
| SPAB SS SPDR P Agg Bond ETF | 0.27% | 47,284 | $1.2M | Reduce -68.8% |
| VOX Vanguard Communication Servi | 0.27% | 6,427 | $1.2M | Add +19.2% |
| XLF SS Financial Select Sector | 0.26% | 22,176 | $1.2M | Add +12.9% |
| XLE SS Energy Select Sector | 0.26% | 13,301 | $1.2M | New |
| XLY SS Consumer Disc Select Sect | 0.25% | 4,761 | $1.1M | Add +17.5% |
| XLB SS Materials Select Sector | 0.25% | 12,697 | $1.1M | New |
| IYR iShares US Real Estate ETF | 0.25% | 11,648 | $1.1M | New |
| XLI SS Industrial Select Sector | 0.25% | 7,213 | $1.1M | Add +17.4% |
| ASHR Xtrackers Harvest Csi 300 CH | 0.24% | 33,308 | $1.1M | New |
| XLP SS Consumer Staples Sel Sect | 0.24% | 13,957 | $1.1M | Add +19.3% |
| QQQ Invesco QQQ Trust Series 1 | 0.20% | 1,521 | $913K | Reduce -25.1% |
| NVS Novartis AG-Sponsored ADR | 0.20% | 6,955 | $892K | Add +14.4% |
| SONY Sony Group Corp. - SP ADR | 0.19% | 30,205 | $870K | Add +18.4% |
| TIPX SS SPDR BB 1-10YR Tips ETF | 0.19% | 44,695 | $862K | New |
| ENB Enbridge Inc. | 0.19% | 16,974 | $857K | Add +19.0% |
| BTI British American Tob-SP ADR | 0.19% | 15,818 | $840K | Add +0.5% |
| TEL Te Connectivity PLC | 0.18% | 3,797 | $834K | New |
| ALLE Allegion PLC | 0.18% | 4,664 | $827K | New |
| LIN Linde PLC | 0.18% | 1,724 | $819K | Add +17.0% |
| IMO Imperial Oil Ltd. | 0.17% | 8,670 | $787K | New |
| IUSV iShares Core S&P U.S. Value | 0.17% | 7,774 | $777K | New |
| SAP Sap SE-Sponsored ADR | 0.17% | 2,859 | $764K | Add +17.6% |
| EWP iShares MSCI Spain ETF | 0.17% | 15,336 | $759K | New |
| SLF Sun Life Financial Inc. | 0.16% | 12,254 | $736K | New |
| OUNZ Vaneck Merk Gold ETF | 0.16% | 19,157 | $712K | Add +44.8% |
| EWW iShares MSCI Mexico ETF | 0.12% | 7,807 | $533K | New |
| EMR Emerson Electric Co. | 0.10% | 3,527 | $463K | New |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.10% | 8,693 | $448K | Add +4.0% |
| IVV iShares Core S&P 500 ETF | 0.10% | 663 | $444K | Reduce -3.8% |
| VTI VG Morningstar TS MKT ETF-US | 0.10% | 1,342 | $440K | Reduce -97.8% |
| BSV Vanguard Short-Term Bond ETF | 0.08% | 4,598 | $363K | Reduce -2.5% |
| MA Mastercard Inc. Class A | 0.08% | 626 | $356K | Add +2.3% |
| VDE Vanguard Energy ETF | 0.07% | 2,679 | $337K | Add +9.7% |
| TSLA Tesla Inc. | 0.07% | 728 | $324K | New |
| UNH Unitedhealth Group Inc. | 0.07% | 868 | $300K | Reduce -1.7% |
| SPYI Neos S&P 500 High Income ETF | 0.07% | 5,675 | $297K | Reduce -11.0% |
| JFR Nuveen Floating Rate Income | 0.06% | 33,719 | $276K | Reduce -36.4% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.06% | 2,638 | $276K | Reduce -25.1% |
| QQQU Direxion Daily Magnificent 7 | 0.06% | 4,674 | $275K | Reduce -2.0% |
Portfolio Sells Q2 2025 → Q3 2025
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -96.6% | 0.31% | −9.59 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -97.8% | 0.10% | −4.38 |
| VTIP Vanguard Short-Term Tips | Sold out | 0.00% | −3.46 |
| CL Colgate-Palmolive Co. | Sold out | 0.00% | −1.53 |
| SPAB SS SPDR P Agg Bond ETF | Reduce -68.8% | 0.27% | −0.67 |
| GBIL Goldman Sachs Access Treasur | Reduce -22.5% | 1.44% | −0.60 |
| AGG iShares Core U.S. Aggregate | Reduce -7.5% | 3.06% | −0.54 |
| BND Vanguard Total Bond Market | Reduce -10.1% | 1.75% | −0.37 |
| TMUS T-Mobile US Inc. | Sold out | 0.00% | −0.33 |
| NOBL Proshares S&P 500 Dividend A | Reduce -5.1% | 2.48% | −0.33 |
| EWO iShares MSCI Austria ETF | Sold out | 0.00% | −0.32 |
| TIP iShares Tips Bond ETF | Reduce -8.3% | 1.28% | −0.24 |
| GLD SPDR Gold Shares | Reduce -81.1% | 0.05% | −0.20 |
| CWB SS SPDR BB Conv Sec ETF | Reduce -7.7% | 2.26% | −0.20 |
| VEA Vanguard Ftse Developed ETF | Sold out | 0.00% | −0.19 |
| IEFA iShares Core MSCI Eafe ETF | Sold out | 0.00% | −0.19 |
| UL Unilever PLC | Sold out | 0.00% | −0.17 |
| CB Chubb Ltd. | Sold out | 0.00% | −0.17 |
| RELX Relx PLC - Spon ADR | Sold out | 0.00% | −0.16 |
| SNY Sanofi-ADR | Sold out | 0.00% | −0.15 |
| GSY Invesco Ultra Short Duration | Sold out | 0.00% | −0.14 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Reduce -2.3% | 0.78% | −0.09 |
| GREK Global X MSCI Greece ETF | Sold out | 0.00% | −0.09 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Sold out | 0.00% | −0.08 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -25.1% | 0.20% | −0.07 |
| VB Vanguard Most SM-Cap ETF-Usd | Sold out | 0.00% | −0.06 |
| VNQI Vanguard GLBL Ex-US Real Est | Sold out | 0.00% | −0.06 |
| T AT&T Inc. | Sold out | 0.00% | −0.05 |
| DIS The Walt Disney Co. | Sold out | 0.00% | −0.05 |
| ARKB ARK 21SHARES Bitcoin ETF | Sold out | 0.00% | −0.05 |
| JFR Nuveen Floating Rate Income | Reduce -36.4% | 0.06% | −0.05 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -25.1% | 0.06% | −0.02 |
| VLUE iShares MSCI USA Value Facto | Reduce -2.9% | 0.48% | −0.01 |
| SPYI Neos S&P 500 High Income ETF | Reduce -11.0% | 0.07% | −0.01 |
| VTWO Vanguard Russell 2000 ETF | Reduce -3.1% | 0.91% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Reduce -2.5% | 0.08% | −0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -3.8% | 0.10% | −0.01 |
| UNH Unitedhealth Group Inc. | Reduce -1.7% | 0.07% | −0.00 |
| QQQU Direxion Daily Magnificent 7 | Reduce -2.0% | 0.06% | +0.01 |
| NVDA Nvidia Corp. | Reduce -2.7% | 1.48% | +0.06 |
| CAT Caterpillar Inc. | Reduce -6.5% | 1.92% | +0.08 |
Portfolio Buys Q2 2025 → Q3 2025
| FBND Fidelity Total Bond ETF | New | 4.84% | +4.84 |
| BCI Abrdn Bloomberg All Commodit | New | 4.56% | +4.56 |
| USRT iShares Core US REIT ETF | New | 4.50% | +4.50 |
| VCSH Vanguard S/T Corp. Bond ETF | New | 2.10% | +2.10 |
| GD General Dynamics Corp. | New | 1.80% | +1.80 |
| PCY Invesco Emerging Markets Sov | New | 1.09% | +1.09 |
| TLH iShares 10-20 Year Treasury | New | 0.67% | +0.67 |
| ASML ASML Holding NV-NY Reg SHS | New | 0.53% | +0.53 |
| ITOT iShares Core S&P Total U.S. | New | 0.32% | +0.32 |
| IVW iShares S&P 500 Growth ETF | New | 0.32% | +0.32 |
| VOO Vanguard S&P 500 ETF | New | 0.32% | +0.32 |
| ABBV Abbvie Inc. | Add +4.7% | 1.99% | +0.31 |
| IWM iShares Russell 2000 ETF | New | 0.30% | +0.30 |
| XLE SS Energy Select Sector | New | 0.26% | +0.26 |
| XLB SS Materials Select Sector | New | 0.25% | +0.25 |
| IYR iShares US Real Estate ETF | New | 0.25% | +0.25 |
| ASHR Xtrackers Harvest Csi 300 CH | New | 0.24% | +0.24 |
| AAPL Apple Inc. | Add +18.8% | 0.94% | +0.24 |
| JNJ Johnson & Johnson | Add +4.1% | 1.84% | +0.24 |
| MSFT Microsoft Corp. | Add +36.3% | 0.90% | +0.20 |
| TIPX SS SPDR BB 1-10YR Tips ETF | New | 0.19% | +0.19 |
| TEL Te Connectivity PLC | New | 0.18% | +0.18 |
| ALLE Allegion PLC | New | 0.18% | +0.18 |
| IMO Imperial Oil Ltd. | New | 0.17% | +0.17 |
| IUSV iShares Core S&P U.S. Value | New | 0.17% | +0.17 |
| EWP iShares MSCI Spain ETF | New | 0.17% | +0.17 |
| SLF Sun Life Financial Inc. | New | 0.16% | +0.16 |
| GOOG Alphabet Inc. Class C | Add +11.6% | 0.55% | +0.15 |
| LOW Lowe's Cos Inc. | Add +6.2% | 1.70% | +0.14 |
| EWW iShares MSCI Mexico ETF | New | 0.12% | +0.12 |
| EMR Emerson Electric Co. | New | 0.10% | +0.10 |
| CVX Chevron Corp. | Add +8.0% | 1.70% | +0.10 |
| NEE Nextera Energy Inc. | Add +6.4% | 1.69% | +0.08 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +3.8% | 4.84% | +0.08 |
| AVGO Broadcom Inc. | Add +7.0% | 0.54% | +0.08 |
| TSLA Tesla Inc. | New | 0.07% | +0.07 |
| MDT Medtronic PLC | Add +4.5% | 1.73% | +0.06 |
| IAU iShares Gold Trust | Add +1.3% | 0.82% | +0.06 |
| OUNZ Vaneck Merk Gold ETF | Add +44.8% | 0.16% | +0.05 |
| SHEL Shell PLC-ADR | New | 0.05% | +0.05 |
| TUR iShares MSCI Turkey ETF | New | 0.05% | +0.05 |
| JPM JPMorgan Chase & Co. | New | 0.05% | +0.05 |
| VOX Vanguard Communication Servi | Add +19.2% | 0.27% | +0.04 |
| XLK SS Technology Select Sector | Add +16.0% | 0.28% | +0.04 |
| PEP Pepsico Inc. | Add +6.1% | 1.57% | +0.04 |
| XLY SS Consumer Disc Select Sect | Add +17.5% | 0.25% | +0.04 |
| SGOL Abrdn Physical Gold Shares | Add +2.7% | 0.39% | +0.03 |
| ENB Enbridge Inc. | Add +19.0% | 0.19% | +0.03 |
| SONY Sony Group Corp. - SP ADR | Add +18.4% | 0.19% | +0.03 |
| XLI SS Industrial Select Sector | Add +17.4% | 0.25% | +0.03 |
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 |