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

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 Q4 2024 Q1 2025: $398.4M Q1 2025 Q2 2025: $411.7M Q2 2025 Q3 2025: $453.1M $453.1M Q3 2025 Q4 2025: $445.0M Q4 2025 Q1 2026: $448.4M Q1 2026 Q2 2026: $474.3M Q2 2026

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%
SHEL Shell PLC-ADR 0.05% 3,318 $237K New
TUR iShares MSCI Turkey ETF 0.05% 6,835 $234K New
GLD SPDR Gold Shares 0.05% 649 $231K Reduce -81.1%
JPM JPMorgan Chase & Co. 0.05% 694 $219K New

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

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