Financial Life Advisors
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 3, 2025), Financial Life Advisors reported 47 stock positions worth $311.3 million. Its top holding was iShares S&P 500 Growth ETF (IVW) at 14.4% of the portfolio, followed by iShares S&P 500 Value ETF (IVE, 11.5%) and Schwab US Aggregate Bond ETF (SCHZ, 10.3%). Compared with Q2 2025, it opened 1 new position, sold out of 2, added to 14 and reduced 24. The biggest buy was Vanguard Ftse Emerging Marke (VWO, shares +78%) and the biggest sale Ishr CR Unvrse Usd BD ETF-Ui (IUSB, shares −4%).
- Most Recent 13F
- Q2 2026
- Location
- SAN ANTONIO, TX
- CIK
- 0001730813
- Portfolio Value
- $311.3M (Q3 2025)
- SEC Filing
- 0001730813-25-000006 ↗ filed Nov 3, 2025
Holdings Value
Holdings 47 stocks · $311.3M
| IVW iShares S&P 500 Growth ETF | 14.38% | 370,887 | $44.8M | Reduce -4.8% |
| IVE iShares S&P 500 Value ETF | 11.48% | 173,050 | $35.7M | Add +2.5% |
| SCHZ Schwab US Aggregate Bond ETF | 10.33% | 1,369,594 | $32.1M | Add +5.8% |
| SPMB SS SPDR P Mort Back Bond ETF | 6.33% | 878,658 | $19.7M | Add +6.4% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 6.03% | 316,871 | $18.8M | Reduce -3.5% |
| EFV iShares MSCI Eafe Value ETF | 5.21% | 239,111 | $16.2M | Add +3.6% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 4.51% | 300,511 | $14.0M | Reduce -3.7% |
| VGLT Vanguard Long-Term Treasury | 4.35% | 238,154 | $13.5M | Add +15.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 3.92% | 25,439 | $12.2M | Reduce -2.2% |
| IYW iShares Ustechnology ETF | 3.39% | 53,920 | $10.6M | Reduce -2.8% |
| EFG iShares MSCI Eafe Growth ETF | 3.09% | 84,357 | $9.6M | Reduce -2.0% |
| QUAL iShares MSCI USA Quality Fac | 2.92% | 46,692 | $9.1M | Reduce -1.2% |
| OEF iShares S&P 100 ETF | 2.83% | 26,469 | $8.8M | Reduce -4.1% |
| SPHY SS SPDR P High Yield ETF | 2.53% | 329,370 | $7.9M | Add +23.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.10% | 35,112 | $6.5M | Reduce -1.8% |
| VWO Vanguard Ftse Emerging Marke | 1.90% | 109,351 | $5.9M | Add +77.6% |
| GLDM SPDR Gold Minishares Trust | 1.87% | 76,294 | $5.8M | Add +4.8% |
| MUB iShares National Muni Bond E | 1.59% | 46,337 | $4.9M | Reduce -5.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.28% | 79,404 | $4.0M | Add +2.9% |
| XCEM Columbia Em Core Ex-China | 1.20% | 103,191 | $3.7M | Reduce -19.1% |
| BINC iShares Flex I A ETF-Usd Inc. | 1.20% | 70,337 | $3.7M | Add +4.6% |
| VTIP Vanguard Short-Term Tips | 0.94% | 57,591 | $2.9M | Add +6.8% |
| HEFA Isha Curr Hedged MSCI Eafe | 0.76% | 59,974 | $2.4M | Reduce -19.8% |
| TLH iShares 10-20 Year Treasury | 0.66% | 19,907 | $2.1M | Reduce -3.9% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.59% | 27,368 | $1.8M | Reduce -27.9% |
| VEA Vanguard Ftse Developed ETF | 0.43% | 22,169 | $1.3M | Reduce -14.5% |
| SPLV Invesco S&P 500 Low Volatili | 0.39% | 16,673 | $1.2M | Add +3.5% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.38% | 22,160 | $1.2M | Reduce -38.1% |
| EHC Encompass Health Corp. | 0.36% | 8,757 | $1.1M | Add +0.1% |
| SCHG Schwab US Large-Cap Growth | 0.35% | 33,843 | $1.1M | No change |
| ITA iShares U.S. Aerospace & Def | 0.30% | 4,446 | $930K | New |
| TFI SS SPDR N Ice Muni Bond ETF | 0.26% | 17,905 | $816K | No change |
| AMZN Amazon.com Inc. | 0.25% | 3,558 | $781K | Reduce -4.5% |
| HYD Vaneck High Yield Muni ETF | 0.24% | 14,722 | $749K | Reduce -4.1% |
| VGT Vanguard Info Tech ETF | 0.21% | 892 | $666K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.18% | 864 | $576K | Reduce -1.6% |
| USMV iShares MSCI USA Min Vol Fac | 0.18% | 5,883 | $560K | Reduce -6.9% |
| AAPL Apple Inc. | 0.15% | 1,817 | $463K | Reduce -4.1% |
| MTUM iShares MSCI USA Momentum Fa | 0.14% | 1,653 | $424K | Reduce -18.1% |
| IVV iShares Core S&P 500 ETF | 0.13% | 615 | $412K | Add +2.2% |
| SCHX Schwab US Large-Cap ETF | 0.13% | 15,000 | $395K | No change |
| NULG Nuveen ESG LRG-Cap GRW ETF | 0.10% | 3,231 | $321K | Reduce -11.2% |
| IEMG iShares Core MSCI Emerging | 0.09% | 4,186 | $276K | No change |
| EFA iShares MSCI Eafe ETF | 0.09% | 2,844 | $266K | No change |
| IEFA iShares Core MSCI Eafe ETF | 0.08% | 3,028 | $264K | Reduce -22.3% |
| XOM Exxon Mobil Corp. | 0.08% | 2,215 | $250K | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.08% | 728 | $239K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -3.7% | 4.51% | −0.42 |
| IVW iShares S&P 500 Growth ETF | Reduce -4.8% | 14.38% | −0.30 |
| XCEM Columbia Em Core Ex-China | Reduce -19.1% | 1.20% | −0.29 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -38.1% | 0.38% | −0.27 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -27.9% | 0.59% | −0.23 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -2.0% | 3.09% | −0.21 |
| HEFA Isha Curr Hedged MSCI Eafe | Reduce -19.8% | 0.76% | −0.21 |
| MUB iShares National Muni Bond E | Reduce -5.2% | 1.59% | −0.16 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Reduce -3.5% | 6.03% | −0.10 |
| SUB iShares Short-Term National | Sold out | 0.00% | −0.09 |
| VEA Vanguard Ftse Developed ETF | Reduce -14.5% | 0.43% | −0.08 |
| SHY iShares 1-3 Year Treasury Bo | Sold out | 0.00% | −0.08 |
| TLH iShares 10-20 Year Treasury | Reduce -3.9% | 0.66% | −0.06 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -1.8% | 2.10% | −0.06 |
| OEF iShares S&P 100 ETF | Reduce -4.1% | 2.83% | −0.04 |
| QUAL iShares MSCI USA Quality Fac | Reduce -1.2% | 2.92% | −0.04 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -18.1% | 0.14% | −0.03 |
| AMZN Amazon.com Inc. | Reduce -4.5% | 0.25% | −0.03 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -22.3% | 0.08% | −0.03 |
| USMV iShares MSCI USA Min Vol Fac | Reduce -6.9% | 0.18% | −0.02 |
| HYD Vaneck High Yield Muni ETF | Reduce -4.1% | 0.24% | −0.02 |
| NULG Nuveen ESG LRG-Cap GRW ETF | Reduce -11.2% | 0.10% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.6% | 0.18% | −0.00 |
| AAPL Apple Inc. | Reduce -4.1% | 0.15% | +0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -2.2% | 3.92% | +0.02 |
| IYW iShares Ustechnology ETF | Reduce -2.8% | 3.39% | +0.11 |
Portfolio Buys Q2 2025 → Q3 2025
| VWO Vanguard Ftse Emerging Marke | Add +77.6% | 1.90% | +0.86 |
| VGLT Vanguard Long-Term Treasury | Add +15.1% | 4.35% | +0.38 |
| SPHY SS SPDR P High Yield ETF | Add +23.1% | 2.53% | +0.35 |
| ITA iShares U.S. Aerospace & Def | New | 0.30% | +0.30 |
| GLDM SPDR Gold Minishares Trust | Add +4.8% | 1.87% | +0.24 |
| EFV iShares MSCI Eafe Value ETF | Add +3.6% | 5.21% | +0.20 |
| IVE iShares S&P 500 Value ETF | Add +2.5% | 11.48% | +0.20 |
| SPMB SS SPDR P Mort Back Bond ETF | Add +6.4% | 6.33% | +0.09 |
| SCHZ Schwab US Aggregate Bond ETF | Add +5.8% | 10.33% | +0.04 |
| VTIP Vanguard Short-Term Tips | Add +6.8% | 0.94% | +0.01 |
| IVV iShares Core S&P 500 ETF | Add +2.2% | 0.13% | +0.00 |
| SPLV Invesco S&P 500 Low Volatili | Add +3.5% | 0.39% | −0.01 |
| EHC Encompass Health Corp. | Add +0.1% | 0.36% | −0.01 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +4.6% | 1.20% | −0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +2.9% | 1.28% | −0.02 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 60 | $351.7M | IVW, IVE, SCHZ, SPMB, DYNF |
| Q1 2026 | 52 | $321.0M | IVW, IVE, SCHZ, SPMB, DYNF |
| Q4 2025 | 53 | $324.3M | IVW, IVE, SCHZ, SPMB, DYNF |
| Q3 2025 | 47 | $311.3M | IVW, IVE, SCHZ, SPMB, DYNF |
| Q2 2025 | 48 | $292.3M | IVW, IVE, SCHZ, SPMB, DYNF |
| Q1 2025 | 51 | $268.3M | IVW, IVE, SCHZ, SPMB, IUSB |
| Q4 2024 | 46 | $266.2M | IVW, IVE, SCHZ, IUSB, SPMB |
| Q3 2024 | 48 | $264.7M | IVW, IVE, SCHZ, IUSB, SPMB |
| Q2 2024 | 57 | $246.4M | IVW, IVE, SCHZ, IUSB, SPMB |
| Q1 2024 | 60 | $239.0M | IVW, IVE, SCHZ, IUSB, SPMB |