Financial & Tax Architects, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 21, 2026), Financial & Tax Architects, LLC reported 103 stock positions worth $445.0 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 5.9% of the portfolio, followed by iShares MSCI Eafe ETF (EFA, 4.7%) and SS SPDR S&P 500 ETF Trust-US (SPY, 4.7%). Compared with Q3 2025, it opened 16 new positions, sold out of 17, added to 36 and reduced 49. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +5767%) and the biggest sale an exit from Fidelity Total Bond ETF (FBND).
- Most Recent 13F
- Q2 2026
- Location
- ST LOUIS, MO
- CIK
- 0001758543
- Portfolio Value
- $445.0M (Q4 2025)
- SEC Filing
- 0001758543-26-000001 ↗ filed Jan 21, 2026
Holdings Value
Holdings 103 stocks · $445.0M
| VTI VG Morningstar TS MKT ETF-US | 5.93% | 78,730 | $26.4M | Add +5766.6% |
| EFA iShares MSCI Eafe ETF | 4.67% | 216,618 | $20.8M | Reduce -8.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 4.66% | 30,398 | $20.7M | Reduce -7.7% |
| IEF iShares 7-10 Year Treasury B | 4.24% | 196,079 | $18.9M | Reduce -6.2% |
| USRT iShares Core US REIT ETF | 4.20% | 328,323 | $18.7M | Reduce -5.5% |
| BCI Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 3.89% | 887,215 | $17.3M | Reduce -7.5% |
| PCY Invesco Emerging Markets Sov | 3.14% | 645,169 | $14.0M | Add +181.0% |
| AGG iShares Core U.S. Aggregate | 2.59% | 115,271 | $11.5M | Reduce -16.7% |
| NOBL Proshares S&P 500 Dividend A | 2.07% | 88,673 | $9.2M | Reduce -18.6% |
| VTIP Vanguard Short-Term Tips | 2.04% | 183,575 | $9.1M | New |
| WMT Walmart Inc. | 1.98% | 79,050 | $8.8M | Reduce -7.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 1.90% | 28,563 | $8.5M | Reduce -8.3% |
| JNJ Johnson & Johnson | 1.85% | 39,835 | $8.2M | Reduce -11.5% |
| ABBV Abbvie Inc. | 1.83% | 35,570 | $8.1M | Reduce -8.7% |
| CAT Caterpillar Inc. | 1.73% | 13,438 | $7.7M | Reduce -26.4% |
| SPGI S&P Global Inc. | 1.72% | 14,676 | $7.7M | Add +0.7% |
| XOM Exxon Mobil Corp. | 1.72% | 63,433 | $7.6M | Reduce -3.5% |
| GD General Dynamics Corp. | 1.71% | 22,621 | $7.6M | Reduce -5.3% |
| NEE Nextera Energy Inc. | 1.70% | 94,313 | $7.6M | Reduce -7.1% |
| MDT Medtronic PLC | 1.69% | 78,287 | $7.5M | Reduce -4.8% |
| ABT Abbott Laboratories | 1.66% | 58,857 | $7.4M | Reduce -2.0% |
| KO The Coca-Cola Co. | 1.65% | 105,298 | $7.4M | Reduce -3.0% |
| CVX Chevron Corp. | 1.65% | 48,089 | $7.3M | Reduce -3.0% |
| MCD McDonald's Corp. | 1.65% | 23,979 | $7.3M | Reduce -2.0% |
| LOW Lowe's Cos Inc. | 1.62% | 29,984 | $7.2M | Reduce -2.4% |
| PEP Pepsico Inc. | 1.59% | 49,174 | $7.1M | Reduce -3.2% |
| ADP Automatic Data Processing | 1.56% | 27,007 | $6.9M | Add +12.3% |
| PG The Procter & Gamble Co. | 1.52% | 47,142 | $6.8M | Add +3.5% |
| ECL Ecolab Inc. | 1.50% | 25,356 | $6.7M | New |
| SHW The Sherwin-Williams Co. | 1.48% | 20,354 | $6.6M | Reduce -1.0% |
| VTWO Vanguard Russell 2000 ETF | 1.48% | 66,157 | $6.6M | Add +56.3% |
| NVDA Nvidia Corp. | 1.46% | 34,933 | $6.5M | Reduce -2.9% |
| BND Vanguard Total Bond Market | 1.38% | 83,205 | $6.2M | Reduce -21.8% |
| TIP iShares Tips Bond ETF | 1.06% | 43,113 | $4.7M | Reduce -17.4% |
| AAPL Apple Inc. | 1.04% | 17,083 | $4.6M | Add +1.6% |
| IAU iShares Gold Trust | 0.91% | 49,993 | $4.1M | Reduce -1.8% |
| MSFT Microsoft Corp. | 0.88% | 8,123 | $3.9M | Add +3.0% |
| GBIL Goldman Sachs Access Treasur | 0.84% | 37,478 | $3.7M | Reduce -42.5% |
| GLD SPDR Gold Shares | 0.83% | 9,372 | $3.7M | Add +1344.1% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.80% | 44,389 | $3.6M | Add +2.3% |
| USHY iShares Broad Usd High Yield | 0.80% | 95,401 | $3.6M | Add +3.0% |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | 0.78% | 36,692 | $3.5M | Add +1.9% |
| SCHR Schwab Intermediate-Term US | 0.78% | 137,820 | $3.5M | Add +13.2% |
| VNQ Vanguard Real Estate ETF | 0.77% | 38,508 | $3.4M | New |
| TLH iShares 10-20 Year Treasury | 0.77% | 33,494 | $3.4M | Add +14.5% |
| IVW iShares S&P 500 Growth ETF | 0.75% | 26,987 | $3.3M | Add +122.9% |
| EEM iShares MSCI Emerging Market | 0.73% | 59,220 | $3.2M | New |
| GOOG Alphabet Inc. Class C | 0.57% | 8,114 | $2.5M | Reduce -20.7% |
| AMZN Amazon.com Inc. | 0.55% | 10,675 | $2.5M | Add +8.5% |
| ASML ASML Holding NV-NY Reg SHS | 0.53% | 2,214 | $2.4M | Reduce -11.0% |
| VLUE iShares MSCI USA Value Facto | 0.52% | 16,897 | $2.3M | Reduce -3.6% |
| META Meta Platforms Inc. Class A | 0.51% | 3,440 | $2.3M | Add +19.5% |
| AVGO Broadcom Inc. | 0.51% | 6,559 | $2.3M | Reduce -11.0% |
| EWP iShares MSCI Spain ETF | 0.51% | 41,751 | $2.3M | Add +172.2% |
| COST Costco Wholesale Corp. | 0.46% | 2,394 | $2.1M | Add +18.5% |
| STIP iShares 0-5 Year Tips Bond E | 0.46% | 19,816 | $2.0M | Reduce -6.1% |
| NFLX Netflix Inc. | 0.43% | 20,416 | $1.9M | Add +28.6% |
| SGOL Abrdn Physical Gold Shares | 0.36% | 39,384 | $1.6M | Reduce -18.8% |
| EPI Wisdomtree India Earnings | 0.31% | 29,535 | $1.4M | New |
| XLU St Sr Utl SL SE SPDR ETF-Usd | 0.30% | 31,427 | $1.3M | Add +2.4% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.30% | 14,435 | $1.3M | Reduce -5.0% |
| XLV SS Health Care Select Sector | 0.30% | 8,495 | $1.3M | New |
| SPAB SS SPDR P Agg Bond ETF | 0.29% | 49,402 | $1.3M | Add +4.5% |
| XLK SS Technology Select Sector | 0.28% | 8,806 | $1.3M | Reduce -1.9% |
| VOX Vanguard Communication Servi | 0.28% | 6,506 | $1.3M | Add +1.2% |
| XLF SS Financial Select Sector | 0.28% | 22,761 | $1.2M | Add +2.6% |
| XLE SS Energy Select Sector | 0.27% | 26,985 | $1.2M | Add +1.4% |
| XLY SS Consumer Disc Select Sect | 0.27% | 9,929 | $1.2M | Add +4.3% |
| XLI SS Industrial Select Sector | 0.27% | 7,601 | $1.2M | Add +5.4% |
| XLB SS Materials Select Sector | 0.25% | 24,190 | $1.1M | Reduce -4.7% |
| IYR iShares US Real Estate ETF | 0.24% | 11,307 | $1.1M | Reduce -2.9% |
| TIPX SS SPDR BB 1-10YR Tips ETF | 0.24% | 55,618 | $1.1M | Add +24.4% |
| NVS Novartis AG-Sponsored ADR | 0.20% | 6,602 | $910K | Reduce -5.1% |
| TD Toronto-Dominion Bank | 0.20% | 9,293 | $875K | New |
| VOD Vodafone Group PLC-SP ADR | 0.19% | 65,525 | $866K | New |
| OUNZ Vaneck Merk Gold ETF | 0.19% | 20,838 | $864K | Add +8.8% |
| BTI British American Tob-SP ADR | 0.19% | 15,197 | $860K | Reduce -3.9% |
| TEL Te Connectivity PLC | 0.18% | 3,566 | $811K | Reduce -6.1% |
| ENB Enbridge Inc. | 0.18% | 16,631 | $795K | Reduce -2.0% |
| SLF Sun Life Financial Inc. | 0.17% | 12,280 | $766K | Add +0.2% |
| SONY Sony Group Corp. - SP ADR | 0.16% | 28,547 | $731K | Reduce -5.5% |
| IMO Imperial Oil Ltd. | 0.16% | 8,413 | $726K | Reduce -3.0% |
| ALLE Allegion PLC | 0.16% | 4,537 | $722K | Reduce -2.7% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.11% | 8,613 | $474K | Reduce -0.9% |
| EMR Emerson Electric Co. | 0.11% | 3,533 | $469K | Add +0.2% |
| IVV iShares Core S&P 500 ETF | 0.10% | 625 | $428K | Reduce -5.7% |
| JXI iShares Global Utilities ETF | 0.09% | 5,150 | $405K | New |
| QQQ Invesco QQQ Trust Series 1 | 0.09% | 659 | $405K | Reduce -56.7% |
| IGF iShares Global Infrastructur | 0.09% | 6,392 | $392K | New |
| MA Mastercard Inc. Class A | 0.09% | 676 | $386K | Add +8.0% |
| TSLA Tesla Inc. | 0.08% | 809 | $364K | Add +11.1% |
| BSV Vanguard Short-Term Bond ETF | 0.08% | 4,615 | $364K | Add +0.4% |
| VDE Vanguard Energy ETF | 0.08% | 2,704 | $340K | Add +0.9% |
| IDCC Interdigital Inc. | 0.08% | 1,066 | $339K | New |
| SPYI Neos S&P 500 High Income ETF | 0.07% | 5,643 | $296K | Reduce -0.6% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.07% | 2,726 | $291K | Add +3.3% |
| UNH Unitedhealth Group Inc. | 0.06% | 868 | $287K | No change |
| QBIG Invesco Top QQQ ETF | 0.06% | 7,152 | $275K | New |
| AMD Advanced Micro Devices | 0.06% | 1,173 | $251K | New |
| KXI iShares Global Consumer Stap | 0.05% | 3,775 | $244K | New |
Portfolio Sells Q3 2025 → Q4 2025
| FBND Fidelity Total Bond ETF | Sold out | 0.00% | −4.84 |
| CWB SS SPDR BB Conv Sec ETF | Sold out | 0.00% | −2.26 |
| VCSH Vanguard S/T Corp. Bond ETF | Sold out | 0.00% | −2.10 |
| CTAS Cintas Corp. | Sold out | 0.00% | −1.56 |
| BCI Abrdn Bloomberg All Commodit | Reduce -7.5% | 3.89% | −0.67 |
| GBIL Goldman Sachs Access Treasur | Reduce -42.5% | 0.84% | −0.60 |
| AGG iShares Core U.S. Aggregate | Reduce -16.7% | 2.59% | −0.47 |
| NOBL Proshares S&P 500 Dividend A | Reduce -18.6% | 2.07% | −0.41 |
| BND Vanguard Total Bond Market | Reduce -21.8% | 1.38% | −0.36 |
| ITOT iShares Core S&P Total U.S. | Sold out | 0.00% | −0.32 |
| VOO Vanguard S&P 500 ETF | Sold out | 0.00% | −0.32 |
| USRT iShares Core US REIT ETF | Reduce -5.5% | 4.20% | −0.30 |
| IWM iShares Russell 2000 ETF | Sold out | 0.00% | −0.30 |
| ASHR Xtrackers Harvest Csi 300 CH | Sold out | 0.00% | −0.24 |
| XLP SS Consumer Staples Sel Sect | Sold out | 0.00% | −0.24 |
| EFA iShares MSCI Eafe ETF | Reduce -8.8% | 4.67% | −0.22 |
| TIP iShares Tips Bond ETF | Reduce -17.4% | 1.06% | −0.22 |
| IEF iShares 7-10 Year Treasury B | Reduce -6.2% | 4.24% | −0.21 |
| CAT Caterpillar Inc. | Reduce -26.4% | 1.73% | −0.19 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -7.7% | 4.66% | −0.18 |
| LIN Linde PLC | Sold out | 0.00% | −0.18 |
| IUSV iShares Core S&P U.S. Value | Sold out | 0.00% | −0.17 |
| SAP Sap SE-Sponsored ADR | Sold out | 0.00% | −0.17 |
| ABBV Abbvie Inc. | Reduce -8.7% | 1.83% | −0.16 |
| ABT Abbott Laboratories | Reduce -2.0% | 1.66% | −0.12 |
| EWW iShares MSCI Mexico ETF | Sold out | 0.00% | −0.12 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -56.7% | 0.09% | −0.11 |
| SHW The Sherwin-Williams Co. | Reduce -1.0% | 1.48% | −0.09 |
| GD General Dynamics Corp. | Reduce -5.3% | 1.71% | −0.09 |
| LOW Lowe's Cos Inc. | Reduce -2.4% | 1.62% | −0.08 |
| JFR Nuveen Floating Rate Income | Sold out | 0.00% | −0.06 |
| QQQU Direxion Daily Magnificent 7 | Sold out | 0.00% | −0.06 |
| CVX Chevron Corp. | Reduce -3.0% | 1.65% | −0.05 |
| TUR iShares MSCI Turkey ETF | Sold out | 0.00% | −0.05 |
| JPM JPMorgan Chase & Co. | Sold out | 0.00% | −0.05 |
| IBM Intl Business Machines Corp. | Reduce -8.3% | 1.90% | −0.04 |
| MDT Medtronic PLC | Reduce -4.8% | 1.69% | −0.04 |
| SGOL Abrdn Physical Gold Shares | Reduce -18.8% | 0.36% | −0.03 |
| SONY Sony Group Corp. - SP ADR | Reduce -5.5% | 0.16% | −0.03 |
| AVGO Broadcom Inc. | Reduce -11.0% | 0.51% | −0.03 |
| STIP iShares 0-5 Year Tips Bond E | Reduce -6.1% | 0.46% | −0.03 |
| ALLE Allegion PLC | Reduce -2.7% | 0.16% | −0.02 |
| NVDA Nvidia Corp. | Reduce -2.9% | 1.46% | −0.02 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -5.0% | 0.30% | −0.01 |
| IYR iShares US Real Estate ETF | Reduce -2.9% | 0.24% | −0.01 |
| IMO Imperial Oil Ltd. | Reduce -3.0% | 0.16% | −0.01 |
| ENB Enbridge Inc. | Reduce -2.0% | 0.18% | −0.01 |
| XLB SS Materials Select Sector | Reduce -4.7% | 0.25% | −0.00 |
| IVV iShares Core S&P 500 ETF | Reduce -5.7% | 0.10% | −0.00 |
| TEL Te Connectivity PLC | Reduce -6.1% | 0.18% | −0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| VTI VG Morningstar TS MKT ETF-US | Add +5766.6% | 5.93% | +5.83 |
| PCY Invesco Emerging Markets Sov | Add +181.0% | 3.14% | +2.05 |
| VTIP Vanguard Short-Term Tips | New | 2.04% | +2.04 |
| ECL Ecolab Inc. | New | 1.50% | +1.50 |
| GLD SPDR Gold Shares | Add +1344.1% | 0.83% | +0.78 |
| VNQ Vanguard Real Estate ETF | New | 0.77% | +0.77 |
| EEM iShares MSCI Emerging Market | New | 0.73% | +0.73 |
| VTWO Vanguard Russell 2000 ETF | Add +56.3% | 1.48% | +0.57 |
| IVW iShares S&P 500 Growth ETF | Add +122.9% | 0.75% | +0.42 |
| EWP iShares MSCI Spain ETF | Add +172.2% | 0.51% | +0.34 |
| EPI Wisdomtree India Earnings | New | 0.31% | +0.31 |
| XLV SS Health Care Select Sector | New | 0.30% | +0.30 |
| TD Toronto-Dominion Bank | New | 0.20% | +0.20 |
| VOD Vodafone Group PLC-SP ADR | New | 0.19% | +0.19 |
| SPGI S&P Global Inc. | Add +0.7% | 1.72% | +0.16 |
| SCHR Schwab Intermediate-Term US | Add +13.2% | 0.78% | +0.10 |
| TLH iShares 10-20 Year Treasury | Add +14.5% | 0.77% | +0.10 |
| AAPL Apple Inc. | Add +1.6% | 1.04% | +0.10 |
| JXI iShares Global Utilities ETF | New | 0.09% | +0.09 |
| IGF iShares Global Infrastructur | New | 0.09% | +0.09 |
| AMZN Amazon.com Inc. | Add +8.5% | 0.55% | +0.08 |
| IDCC Interdigital Inc. | New | 0.08% | +0.08 |
| QBIG Invesco Top QQQ ETF | New | 0.06% | +0.06 |
| AMD Advanced Micro Devices | New | 0.06% | +0.06 |
| KXI iShares Global Consumer Stap | New | 0.05% | +0.05 |
| COST Costco Wholesale Corp. | Add +18.5% | 0.46% | +0.05 |
| TIPX SS SPDR BB 1-10YR Tips ETF | Add +24.4% | 0.24% | +0.05 |
| CVS CVS Health Corp. | New | 0.05% | +0.05 |
| SF Stifel Financial Corp. | New | 0.05% | +0.05 |
| META Meta Platforms Inc. Class A | Add +19.5% | 0.51% | +0.04 |
| OUNZ Vaneck Merk Gold ETF | Add +8.8% | 0.19% | +0.04 |
| USHY iShares Broad Usd High Yield | Add +3.0% | 0.80% | +0.03 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +2.3% | 0.80% | +0.03 |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | Add +1.9% | 0.78% | +0.02 |
| XLI SS Industrial Select Sector | Add +5.4% | 0.27% | +0.02 |
| VOX Vanguard Communication Servi | Add +1.2% | 0.28% | +0.02 |
| XLF SS Financial Select Sector | Add +2.6% | 0.28% | +0.02 |
| SPAB SS SPDR P Agg Bond ETF | Add +4.5% | 0.29% | +0.02 |
| XLY SS Consumer Disc Select Sect | Add +4.3% | 0.27% | +0.01 |
| TSLA Tesla Inc. | Add +11.1% | 0.08% | +0.01 |
| NFLX Netflix Inc. | Add +28.6% | 0.43% | +0.01 |
| SLF Sun Life Financial Inc. | Add +0.2% | 0.17% | +0.01 |
| XLE SS Energy Select Sector | Add +1.4% | 0.27% | +0.01 |
| MA Mastercard Inc. Class A | Add +8.0% | 0.09% | +0.01 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Add +2.4% | 0.30% | +0.01 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +3.3% | 0.07% | +0.00 |
| ADP Automatic Data Processing | Add +12.3% | 1.56% | +0.00 |
| EMR Emerson Electric Co. | Add +0.2% | 0.11% | +0.00 |
| VDE Vanguard Energy ETF | Add +0.9% | 0.08% | +0.00 |
| BSV Vanguard Short-Term Bond ETF | Add +0.4% | 0.08% | +0.00 |
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 |