Financial Life Advisors
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 30, 2026), Financial Life Advisors reported 53 stock positions worth $324.3 million. Its top holding was iShares S&P 500 Growth ETF (IVW) at 13.5% of the portfolio, followed by iShares S&P 500 Value ETF (IVE, 10.9%) and Schwab US Aggregate Bond ETF (SCHZ, 10.6%). Compared with Q3 2025, it opened 6 new positions, added to 22 and reduced 15. The biggest buy was Vanguard Ftse Emerging Marke (VWO, shares +87%) and the biggest sale Ishr CR Unvrse Usd BD ETF-Ui (IUSB, shares −23%).
- Most Recent 13F
- Q2 2026
- Location
- SAN ANTONIO, TX
- CIK
- 0001730813
- Portfolio Value
- $324.3M (Q4 2025)
- SEC Filing
- 0001730813-26-000002 ↗ filed Jan 30, 2026
Holdings Value
Holdings 53 stocks · $324.3M
| IVW iShares S&P 500 Growth ETF | 13.52% | 355,656 | $43.8M | Reduce -4.1% |
| IVE iShares S&P 500 Value ETF | 10.87% | 166,191 | $35.2M | Reduce -4.0% |
| SCHZ Schwab US Aggregate Bond ETF | 10.65% | 1,477,753 | $34.5M | Add +7.9% |
| SPMB SS SPDR P Mort Back Bond ETF | 6.59% | 953,162 | $21.4M | Add +8.5% |
| DYNF Ishrs US E F R A ETF-Usd Inc. | 5.90% | 314,833 | $19.1M | Reduce -0.6% |
| EFV iShares MSCI Eafe Value ETF | 5.23% | 237,662 | $17.0M | Reduce -0.6% |
| VGLT Vanguard Long-Term Treasury | 4.80% | 279,169 | $15.6M | Add +17.2% |
| VUG Vanguard Mrngstar GR ETF-Sui | 3.84% | 25,519 | $12.4M | Add +0.3% |
| VWO Vanguard Ftse Emerging Marke | 3.39% | 204,503 | $11.0M | Add +87.0% |
| IYW iShares Ustechnology ETF | 3.36% | 54,641 | $10.9M | Add +1.3% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 3.34% | 232,615 | $10.8M | Reduce -22.6% |
| SPHY SS SPDR P High Yield ETF | 3.32% | 455,254 | $10.8M | Add +38.2% |
| QUAL iShares MSCI USA Quality Fac | 2.97% | 48,455 | $9.6M | Add +3.8% |
| OEF iShares S&P 100 ETF | 2.85% | 26,938 | $9.2M | Add +1.8% |
| EFG iShares MSCI Eafe Growth ETF | 2.83% | 80,524 | $9.2M | Reduce -4.5% |
| GLDM SPDR Gold Minishares Trust | 2.02% | 76,657 | $6.5M | Add +0.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.96% | 33,217 | $6.3M | Reduce -5.4% |
| MUB iShares National Muni Bond E | 1.50% | 45,267 | $4.8M | Reduce -2.3% |
| VTEB Vanguard Tax-Exempt Bond ETF | 1.24% | 79,753 | $4.0M | Add +0.4% |
| ITA iShares U.S. Aerospace & Def | 1.23% | 18,568 | $4.0M | Add +317.6% |
| BINC iShares Flex I A ETF-Usd Inc. | 1.22% | 75,212 | $4.0M | Add +6.9% |
| VTIP Vanguard Short-Term Tips | 0.93% | 61,087 | $3.0M | Add +6.1% |
| TLH iShares 10-20 Year Treasury | 0.78% | 24,848 | $2.5M | Add +24.8% |
| XCEM Columbia Em Core Ex-China | 0.62% | 52,321 | $2.0M | Reduce -49.3% |
| VEA Vanguard Ftse Developed ETF | 0.43% | 22,169 | $1.4M | No change |
| SPLV Invesco S&P 500 Low Volatili | 0.39% | 17,650 | $1.3M | Add +5.9% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.38% | 16,818 | $1.2M | Reduce -38.5% |
| SCHG Schwab US Large-Cap Growth | 0.34% | 33,702 | $1.1M | Reduce -0.4% |
| EHC Encompass Health Corp. | 0.29% | 8,757 | $929K | No change |
| AMZN Amazon.com Inc. | 0.27% | 3,740 | $863K | Add +5.1% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.25% | 17,905 | $818K | No change |
| HYD Vaneck High Yield Muni ETF | 0.25% | 15,769 | $806K | Add +7.1% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.22% | 13,410 | $709K | Reduce -39.5% |
| VGT Vanguard Info Tech ETF | 0.21% | 892 | $672K | No change |
| HEFA Isha Curr Hedged MSCI Eafe | 0.18% | 13,897 | $575K | Reduce -76.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.17% | 825 | $563K | Reduce -4.5% |
| USMV iShares MSCI USA Min Vol Fac | 0.16% | 5,632 | $530K | Reduce -4.3% |
| AAPL Apple Inc. | 0.16% | 1,924 | $523K | Add +5.9% |
| IVV iShares Core S&P 500 ETF | 0.16% | 735 | $503K | Add +19.5% |
| MTUM iShares MSCI USA Momentum Fa | 0.13% | 1,653 | $414K | No change |
| SCHX Schwab US Large-Cap ETF | 0.12% | 15,000 | $404K | No change |
| NULG Nuveen ESG LRG-Cap GRW ETF | 0.10% | 3,231 | $316K | No change |
| GOOG Alphabet Inc. Class C | 0.09% | 901 | $283K | New |
| IEMG iShares Core MSCI Emerging | 0.09% | 4,186 | $281K | No change |
| EFA iShares MSCI Eafe ETF | 0.09% | 2,904 | $279K | Add +2.1% |
| XOM Exxon Mobil Corp. | 0.08% | 2,256 | $271K | Add +1.9% |
| IEFA iShares Core MSCI Eafe ETF | 0.08% | 3,028 | $271K | No change |
| MSFT Microsoft Corp. | 0.08% | 535 | $259K | New |
| VTI VG Morningstar TS MKT ETF-US | 0.08% | 728 | $244K | No change |
| VONV Vanguard Russell 1000 Value | 0.07% | 2,537 | $234K | New |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.07% | 778 | $226K | New |
| NVDA Nvidia Corp. | 0.07% | 1,134 | $211K | New |
| IWR iShares Russell Mid-Cap ETF | 0.06% | 2,118 | $204K | New |
Portfolio Sells Q3 2025 → Q4 2025
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Reduce -22.6% | 3.34% | −1.17 |
| IVW iShares S&P 500 Growth ETF | Reduce -4.1% | 13.52% | −0.87 |
| IVE iShares S&P 500 Value ETF | Reduce -4.0% | 10.87% | −0.61 |
| HEFA Isha Curr Hedged MSCI Eafe | Reduce -76.8% | 0.18% | −0.59 |
| XCEM Columbia Em Core Ex-China | Reduce -49.3% | 0.62% | −0.59 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -4.5% | 2.83% | −0.26 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -38.5% | 0.38% | −0.22 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -39.5% | 0.22% | −0.16 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -5.4% | 1.96% | −0.15 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Reduce -0.6% | 5.90% | −0.12 |
| MUB iShares National Muni Bond E | Reduce -2.3% | 1.50% | −0.09 |
| USMV iShares MSCI USA Min Vol Fac | Reduce -4.3% | 0.16% | −0.02 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -4.5% | 0.17% | −0.01 |
| SCHG Schwab US Large-Cap Growth | Reduce -0.4% | 0.34% | −0.01 |
| EFV iShares MSCI Eafe Value ETF | Reduce -0.6% | 5.23% | +0.02 |
Portfolio Buys Q3 2025 → Q4 2025
| VWO Vanguard Ftse Emerging Marke | Add +87.0% | 3.39% | +1.49 |
| ITA iShares U.S. Aerospace & Def | Add +317.6% | 1.23% | +0.93 |
| SPHY SS SPDR P High Yield ETF | Add +38.2% | 3.32% | +0.79 |
| VGLT Vanguard Long-Term Treasury | Add +17.2% | 4.80% | +0.45 |
| SCHZ Schwab US Aggregate Bond ETF | Add +7.9% | 10.65% | +0.32 |
| SPMB SS SPDR P Mort Back Bond ETF | Add +8.5% | 6.59% | +0.25 |
| GLDM SPDR Gold Minishares Trust | Add +0.5% | 2.02% | +0.14 |
| TLH iShares 10-20 Year Treasury | Add +24.8% | 0.78% | +0.12 |
| GOOG Alphabet Inc. Class C | New | 0.09% | +0.09 |
| MSFT Microsoft Corp. | New | 0.08% | +0.08 |
| VONV Vanguard Russell 1000 Value | New | 0.07% | +0.07 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | New | 0.07% | +0.07 |
| NVDA Nvidia Corp. | New | 0.07% | +0.07 |
| IWR iShares Russell Mid-Cap ETF | New | 0.06% | +0.06 |
| QUAL iShares MSCI USA Quality Fac | Add +3.8% | 2.97% | +0.05 |
| IVV iShares Core S&P 500 ETF | Add +19.5% | 0.16% | +0.02 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +6.9% | 1.22% | +0.02 |
| OEF iShares S&P 100 ETF | Add +1.8% | 2.85% | +0.02 |
| AMZN Amazon.com Inc. | Add +5.1% | 0.27% | +0.02 |
| AAPL Apple Inc. | Add +5.9% | 0.16% | +0.01 |
| HYD Vaneck High Yield Muni ETF | Add +7.1% | 0.25% | +0.01 |
| XOM Exxon Mobil Corp. | Add +1.9% | 0.08% | +0.00 |
| EFA iShares MSCI Eafe ETF | Add +2.1% | 0.09% | +0.00 |
| SPLV Invesco S&P 500 Low Volatili | Add +5.9% | 0.39% | −0.00 |
| VTIP Vanguard Short-Term Tips | Add +6.1% | 0.93% | −0.01 |
| IYW iShares Ustechnology ETF | Add +1.3% | 3.36% | −0.03 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +0.4% | 1.24% | −0.04 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +0.3% | 3.84% | −0.08 |
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 |