FLC Capital Advisors

In its 13F for Q1 2024 (holdings as of March 31, 2024, filed May 6, 2024), FLC Capital Advisors reported 164 stock positions worth $395.9 million. Its top holding was Schwab Short-Term US Treas (SCHO) at 8.8% of the portfolio, followed by Schwab US Large-Cap Growth (SCHG, 7.4%) and Vanguard Mrngstr Val ETF-Aui (VTV, 6.8%). Compared with Q4 2023, it opened 11 new positions, added to 40 and reduced 58. The biggest buy was Schwab US Large-Cap Growth (SCHG, shares +1%) and the biggest sale Schwab Short-Term US Treas (SCHO, shares −0%).

Most Recent 13F
Q2 2026
Location
PALM DESERT, CA
CIK
0001713697
Portfolio Value
$395.9M (Q1 2024)
SEC Filing
0001085146-24-002248 ↗ filed May 6, 2024

Holdings Value

0$200.0M$400.0M$600.0M$800.0M Q1 2024: $395.9M $395.9M Q1 2024 Q2 2024: $406.5M Q2 2024 Q3 2024: $433.4M Q3 2024 Q4 2024: $434.5M Q4 2024 Q1 2025: $445.7M Q1 2025 Q2 2025: $483.6M Q2 2025 Q3 2025: $516.3M Q3 2025 Q4 2025: $541.7M Q4 2025 Q1 2026: $551.3M Q1 2026 Q2 2026: $609.6M Q2 2026

Holdings 164 stocks · $395.9M
SCHO Schwab Short-Term US Treas 8.77% 720,449 $34.7M Reduce -0.5%
SCHG Schwab US Large-Cap Growth 7.37% 314,757 $29.2M Add +1.1%
VTV Vanguard Mrngstr Val ETF-Aui 6.82% 165,814 $27.0M Add +2.6%
SCHR Schwab Intermediate-Term US 6.21% 501,382 $24.6M Add +1.3%
BIL SS SPDR BB 1-3M T-Bill ETF 5.18% 223,195 $20.5M Reduce -0.5%
SCHF Schwab Intl Equity ETF 3.76% 381,576 $14.9M Add +5.3%
AAPL Apple Inc. 3.15% 72,773 $12.5M Add +2.7%
MRK Merck & Co. Inc. 2.82% 84,603 $11.2M Reduce -1.1%
IWF iShares Russell 1000 Growth 2.37% 27,853 $9.4M Reduce -2.0%
MSFT Microsoft Corp. 2.14% 20,162 $8.5M Add +1.1%
EMXC iShares MSCI Emr MRK Ex Chna 2.14% 147,162 $8.5M Add +8.6%
VCIT Vanguard Int-Term Corporate 2.04% 100,319 $8.1M Add +0.7%
CVX Chevron Corp. 1.89% 47,533 $7.5M Add +1.0%
VO Vngrd Mrngstr MD-Cap ETF-Usd 1.89% 29,870 $7.5M Add +0.5%
DFAS Dimensional US Small Cap ETF 1.82% 115,554 $7.2M Add +2.0%
IVV iShares Core S&P 500 ETF 1.42% 10,683 $5.6M Reduce -4.5%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 1.35% 27,984 $5.3M Reduce -2.6%
AMZN Amazon.com Inc. 1.32% 29,009 $5.2M Reduce -0.2%
SCHD Schwab US DVD Equity ETF 1.30% 63,675 $5.1M Reduce -1.7%
XAR SS SPDR S&P Aerospace Def 1.28% 36,042 $5.1M Add +4.9%
SHV iShares 0-1 Year Treasury Bo 1.24% 44,388 $4.9M Add +10.2%
XOM Exxon Mobil Corp. 1.17% 40,013 $4.7M Add +6.4%
GOOGL Alphabet Inc. Class A 1.13% 29,663 $4.5M Add +1.8%
JPM JPMorgan Chase & Co. 1.05% 20,656 $4.1M Add +0.1%
VIG Vanguard Dividend Apprec ETF 1.04% 22,443 $4.1M Reduce -13.0%
META Meta Platforms Inc. Class A 0.99% 8,075 $3.9M Add +2.5%
PULS Pgim Ultra Short Bond ETF 0.97% 77,054 $3.8M Add +11.6%
GOOG Alphabet Inc. Class C 0.92% 23,983 $3.7M Add +2.6%
VWOB Vanguard Emerg MKTS Gov BND 0.90% 55,818 $3.6M Add +2.8%
ESGU iShares ESG Aware MSCI USA 0.88% 30,134 $3.5M Reduce -2.2%
BRK.B Berkshire Hathaway Inc. Class B 0.87% 8,147 $3.4M No change
SPHY SS SPDR P High Yield ETF 0.80% 134,841 $3.2M Add +1.1%
ENB Enbridge Inc. 0.79% 86,900 $3.1M Add +12.4%
EPD Enterprise Products Partners 0.76% 102,423 $3.0M Reduce -3.0%
CAT Caterpillar Inc. 0.75% 8,052 $3.0M Reduce -2.8%
IJH iShares Core S&P Midcap ETF 0.72% 46,690 $2.8M No change
VTI VG Morningstar TS MKT ETF-US 0.71% 10,783 $2.8M Add +0.9%
WMT Walmart Inc. 0.58% 37,875 $2.3M Add +2.4%
NVDA Nvidia Corp. 0.52% 2,280 $2.1M Reduce -6.9%
VTEB Vanguard Tax-Exempt Bond ETF 0.50% 38,956 $2.0M Reduce -2.0%
JNJ Johnson & Johnson 0.48% 12,076 $1.9M Reduce -9.5%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.47% 15,160 $1.9M Reduce -12.8%
QCOM Qualcomm Inc. 0.45% 10,417 $1.8M Reduce -2.7%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.40% 42,073 $1.6M Reduce -3.4%
GLTR Abrdn Precious Metals Basket 0.36% 15,110 $1.4M Reduce -9.3%
PM Philip Morris International 0.34% 14,597 $1.3M Reduce -5.7%
SUB iShares Short-Term National 0.33% 12,487 $1.3M No change
CSCO Cisco Systems Inc. 0.32% 25,127 $1.3M Reduce -0.4%
ABBV Abbvie Inc. 0.31% 6,757 $1.2M Reduce -2.0%
ITA iShares U.S. Aerospace & Def 0.30% 8,862 $1.2M No change
IJR iShares Core S&P Small-Cap E 0.29% 10,534 $1.2M Reduce -0.3%
PANW Palo Alto Networks Inc. 0.29% 4,005 $1.1M No change
RTX RTX Corp. 0.27% 10,828 $1.1M Reduce -3.2%
BA The Boeing Co. 0.26% 5,375 $1.0M Reduce -0.1%
TSM Taiwan Semiconductor-SP ADR 0.26% 7,611 $1.0M Reduce -3.0%
PFE Pfizer Inc. 0.26% 36,666 $1.0M Add +6.7%
CRM Salesforce Inc. 0.24% 3,200 $964K No change
FFWM First Foundation Inc. 0.24% 126,997 $959K No change
NFLX Netflix Inc. 0.24% 1,547 $940K No change
LLY Eli Lilly & Co. 0.23% 1,184 $921K Reduce -1.5%
VOO Vanguard S&P 500 ETF 0.23% 1,897 $912K No change
VZ Verizon Communications Inc. 0.23% 21,627 $907K Add +16.1%
MMM 3M Co. 0.23% 8,506 $902K Reduce -4.3%
HD Home Depot Inc. 0.22% 2,260 $867K Reduce -10.7%
PEP Pepsico Inc. 0.22% 4,921 $861K Add +14.7%
CMI Cummins Inc. 0.22% 2,920 $860K Reduce -12.2%
UNH Unitedhealth Group Inc. 0.21% 1,716 $849K Reduce -7.7%
COST Costco Wholesale Corp. 0.21% 1,117 $819K No change
QUAL iShares MSCI USA Quality Fac 0.21% 4,977 $818K Reduce -1.4%
CMCSA Comcast Corp. Class A 0.21% 18,825 $816K Reduce -10.0%
INTC Intel Corp. 0.20% 17,902 $791K No change
V Visa Inc. Class A 0.20% 2,824 $788K Add +0.5%
ADBE Adobe Inc. 0.20% 1,555 $785K Add +0.7%
SBUX Starbucks Corp. 0.20% 8,461 $773K Add +5.0%
MA Mastercard Inc. Class A 0.19% 1,587 $764K Add +6.7%
PG The Procter & Gamble Co. 0.19% 4,636 $752K Reduce -2.1%
UBER Uber Technologies Inc. 0.19% 9,648 $743K Reduce -5.4%
FTNT Fortinet Inc. 0.18% 10,475 $716K No change
NEE Nextera Energy Inc. 0.17% 10,386 $664K Add +5.1%
UL Unilever PLC 0.16% 12,762 $641K No change
GBCI Glacier Bancorp Inc. 0.16% 15,600 $628K No change
TSLA Tesla Inc. 0.16% 3,531 $621K Add +26.5%
TFC Truist Financial Corp. 0.16% 15,849 $618K Reduce -0.1%
FDX FedEx Corp. 0.16% 2,122 $615K No change
MO Altria Group Inc. 0.15% 13,842 $604K Reduce -14.5%
XLV SS Health Care Select Sector 0.15% 3,999 $591K Add +5.3%
AMGN Amgen Inc. 0.15% 2,036 $579K No change
LMT Lockheed Martin Corp. 0.14% 1,240 $564K Add +0.6%
DXJ Wisdomtree Japan Hedged Eq 0.13% 4,876 $529K No change
EIX Edison International 0.13% 7,404 $524K Reduce -9.9%
KLAC KLA Corp. 0.13% 747 $522K No change
MCD McDonald's Corp. 0.13% 1,843 $520K Reduce -9.7%
WPC WP Carey Inc. 0.13% 8,811 $497K Reduce -16.5%
VLY Valley National Bancorp 0.12% 62,003 $494K Reduce -27.0%
MGC Vngrd Mrngstr MG Cap ETF-Usd 0.12% 2,625 $491K No change
ALB Albemarle Corp. 0.12% 3,713 $489K Reduce -10.5%
VLUE iShares MSCI USA Value Facto 0.12% 4,482 $485K No change
ABT Abbott Laboratories 0.11% 3,983 $453K No change
SCHW Schwab (charles) Corp. 0.11% 6,131 $444K Reduce -27.0%
SPYM Ste STR SPDR PT S&P 500 ETF 0.11% 7,161 $441K No change
AVGO Broadcom Inc. 0.11% 328 $435K Reduce -16.8%
UNP Union Pacific Corp. 0.11% 1,752 $431K No change
CB Chubb Ltd. 0.10% 1,591 $412K No change
XLE SS Energy Select Sector 0.10% 4,361 $412K Reduce -5.0%
T AT&T Inc. 0.10% 22,925 $403K Reduce -11.7%
CCI Crown Castle Inc. 0.10% 3,787 $401K Reduce -20.0%
QQQ Invesco QQQ Trust Series 1 0.10% 872 $387K Reduce -66.1%
LOW Lowe's Cos Inc. 0.10% 1,490 $380K No change
DUK Duke Energy Corp. 0.09% 3,869 $374K Add +0.4%
NOW ServiceNow Inc. 0.09% 476 $363K No change
GD General Dynamics Corp. 0.09% 1,282 $362K Reduce -1.1%
KMI Kinder Morgan Inc. 0.09% 19,708 $361K Reduce -15.1%
FCX Freeport-McMoran Inc. 0.09% 7,564 $356K No change
NVO Novo-Nordisk A/S-Spons ADR 0.09% 2,750 $353K No change
MDT Medtronic PLC 0.09% 3,869 $337K No change
FUTY Fidelity MSCI US Utilities 0.09% 7,928 $336K New
MUB iShares National Muni Bond E 0.08% 3,112 $335K No change
CVS CVS Health Corp. 0.08% 4,172 $333K Reduce -18.4%
NKE Nike Inc. Class B 0.08% 3,493 $328K Add +3.0%
EFG iShares MSCI Eafe Growth ETF 0.08% 3,152 $327K No change
B Barrick Gold Corp. 0.08% 19,360 $322K Add +30.3%
BMY Bristol-Myers Squibb Co. 0.08% 5,695 $309K Reduce -4.6%
BSV Vanguard Short-Term Bond ETF 0.08% 3,981 $305K Reduce -3.3%
TXN Texas Instruments Inc. 0.08% 1,749 $305K No change
UPS United Parcel Service Class B 0.07% 1,997 $297K Reduce -8.3%
LYB Lyondellbasell Indu Class A 0.07% 2,897 $296K Reduce -19.9%
SCHA Schwab US Small-Cap ETF 0.07% 5,954 $293K No change
ARCC Ares Capital Corp. 0.07% 13,720 $286K New
TGT Target Corp. 0.07% 1,600 $284K No change
IWM iShares Russell 2000 ETF 0.07% 1,345 $283K No change
ALL Allstate Corp. 0.07% 1,626 $281K No change
VEA Vanguard Ftse Developed ETF 0.07% 5,555 $279K No change
SO The Southern Co. 0.07% 3,840 $275K No change
KMB Kimberly-Clark Corp. 0.07% 2,073 $268K Reduce -4.6%
EQWL Invesco S&P 100 Equal Weight 0.07% 2,800 $266K No change
VDE Vanguard Energy ETF 0.07% 2,000 $263K No change
AXP American Express Co. 0.07% 1,155 $263K No change
ROBT First Trust Nasdaq Artificia 0.07% 5,809 $263K No change
BLK BlackRock Finance Inc. 0.07% 311 $259K Add +16.9%
PAYX Paychex Inc. 0.06% 2,089 $257K No change
COR Cencora Inc. 0.06% 1,048 $255K No change
KO The Coca-Cola Co. 0.06% 3,900 $239K No change
FSTA Fidelity MSCI Cons Stap Indx 0.06% 5,000 $238K No change
XNEAX Nuveen Amt-FR QLTY Muni Inc. 0.06% 21,076 $233K New
OEF iShares S&P 100 ETF 0.06% 936 $232K No change
PEG Public Service Enterprise GP 0.06% 3,400 $227K No change
SLV iShares Silver Trust 0.06% 9,926 $226K No change
PYPL PayPal Holdings Inc. 0.06% 3,370 $226K No change
COP Conocophillips 0.06% 1,771 $225K No change
DOW Dow Inc. 0.06% 3,841 $223K No change
EFA iShares MSCI Eafe ETF 0.06% 2,786 $222K No change
O Realty Income Corp. 0.06% 4,102 $222K Add +7.3%
IHI iShares U.S. Medical Devices 0.06% 3,762 $220K New
NVS Novartis AG-Sponsored ADR 0.06% 2,266 $219K Reduce -8.8%
GE General Electric 0.05% 1,221 $214K New
DECK Deckers Outdoor Corp. 0.05% 225 $212K New
GILD Gilead Sciences Inc. 0.05% 2,831 $207K No change
FTSL First Trust Senior Loan ETF 0.05% 4,480 $207K New
SAP Sap SE-Sponsored ADR 0.05% 1,059 $207K New
ET Energy Transfer LP 0.05% 13,000 $204K New
IYE iShares U.S. Energy ETF 0.05% 4,077 $201K Reduce -15.4%
MCK McKesson Corp. 0.05% 375 $201K New
DMB BNY Mellon Muni BND Infra 0.04% 13,550 $141K No change
XNCMX Nuveen Ca Amt-FR Muni Inc. 0.03% 10,000 $122K New

Portfolio Sells Q4 2023 → Q1 2024
SCHO Schwab Short-Term US Treas Reduce -0.5% 8.77% −0.68
BIL SS SPDR BB 1-3M T-Bill ETF Reduce -0.5% 5.18% −0.35
QQQ Invesco QQQ Trust Series 1 Reduce -66.1% 0.10% −0.19
VIG Vanguard Dividend Apprec ETF Reduce -13.0% 1.04% −0.15
VLY Valley National Bancorp Reduce -27.0% 0.12% −0.12
BA The Boeing Co. Reduce -0.1% 0.26% −0.12
JNJ Johnson & Johnson Reduce -9.5% 0.48% −0.08
WPC WP Carey Inc. Reduce -16.5% 0.13% −0.06
PM Philip Morris International Reduce -5.7% 0.34% −0.05
UNH Unitedhealth Group Inc. Reduce -7.7% 0.21% −0.05
VTEB Vanguard Tax-Exempt Bond ETF Reduce -2.0% 0.50% −0.05
CCI Crown Castle Inc. Reduce -20.0% 0.10% −0.05
GLTR Abrdn Precious Metals Basket Reduce -9.3% 0.36% −0.04
SCHW Schwab (charles) Corp. Reduce -27.0% 0.11% −0.04
CMCSA Comcast Corp. Class A Reduce -10.0% 0.21% −0.04
ALB Albemarle Corp. Reduce -10.5% 0.12% −0.04
MMM 3M Co. Reduce -4.3% 0.23% −0.03
SCHD Schwab US DVD Equity ETF Reduce -1.7% 1.30% −0.03
MCD McDonald's Corp. Reduce -9.7% 0.13% −0.03
CSCO Cisco Systems Inc. Reduce -0.4% 0.32% −0.03
EIX Edison International Reduce -9.9% 0.13% −0.03
CVS CVS Health Corp. Reduce -18.4% 0.08% −0.02
MO Altria Group Inc. Reduce -14.5% 0.15% −0.02
IVV iShares Core S&P 500 ETF Reduce -4.5% 1.42% −0.02
KMI Kinder Morgan Inc. Reduce -15.1% 0.09% −0.02
LYB Lyondellbasell Indu Class A Reduce -19.9% 0.07% −0.02
HD Home Depot Inc. Reduce -10.7% 0.22% −0.02
UPS United Parcel Service Class B Reduce -8.3% 0.07% −0.02
T AT&T Inc. Reduce -11.7% 0.10% −0.02
IJR iShares Core S&P Small-Cap E Reduce -0.3% 0.29% −0.01
NVS Novartis AG-Sponsored ADR Reduce -8.8% 0.06% −0.01
AVGO Broadcom Inc. Reduce -16.8% 0.11% −0.01
BSV Vanguard Short-Term Bond ETF Reduce -3.3% 0.08% −0.01
IYE iShares U.S. Energy ETF Reduce -15.4% 0.05% −0.01
BMY Bristol-Myers Squibb Co. Reduce -4.6% 0.08% −0.00
KMB Kimberly-Clark Corp. Reduce -4.6% 0.07% −0.00
TFC Truist Financial Corp. Reduce -0.1% 0.16% −0.00
XLE SS Energy Select Sector Reduce -5.0% 0.10% +0.00
GD General Dynamics Corp. Reduce -1.1% 0.09% +0.00
CMI Cummins Inc. Reduce -12.2% 0.22% +0.00
PG The Procter & Gamble Co. Reduce -2.1% 0.19% +0.00
ESGU iShares ESG Aware MSCI USA Reduce -2.2% 0.88% +0.00
EPD Enterprise Products Partners Reduce -3.0% 0.76% +0.00
QUAL iShares MSCI USA Quality Fac Reduce -1.4% 0.21% +0.01
BAC Bank of America Corp. Reduce -3.4% 0.40% +0.01
RTX RTX Corp. Reduce -3.2% 0.27% +0.01
UBER Uber Technologies Inc. Reduce -5.4% 0.19% +0.02
ABBV Abbvie Inc. Reduce -2.0% 0.31% +0.02
QCOM Qualcomm Inc. Reduce -2.7% 0.45% +0.03
TSM Taiwan Semiconductor-SP ADR Reduce -3.0% 0.26% +0.04

Portfolio Buys Q4 2023 → Q1 2024
SCHG Schwab US Large-Cap Growth Add +1.1% 7.37% +0.41
VTV Vanguard Mrngstr Val ETF-Aui Add +2.6% 6.82% +0.31
META Meta Platforms Inc. Class A Add +2.5% 0.99% +0.24
XOM Exxon Mobil Corp. Add +6.4% 1.17% +0.16
SCHF Schwab Intl Equity ETF Add +5.3% 3.76% +0.15
MSFT Microsoft Corp. Add +1.1% 2.14% +0.12
EMXC iShares MSCI Emr MRK Ex Chna Add +8.6% 2.14% +0.12
JPM JPMorgan Chase & Co. Add +0.1% 1.05% +0.10
FUTY Fidelity MSCI US Utilities New 0.09% +0.09
ARCC Ares Capital Corp. New 0.07% +0.07
XNEAX Nuveen Amt-FR QLTY Muni Inc. New 0.06% +0.06
IHI iShares U.S. Medical Devices New 0.06% +0.06
GE General Electric New 0.05% +0.05
DECK Deckers Outdoor Corp. New 0.05% +0.05
FTSL First Trust Senior Loan ETF New 0.05% +0.05
SAP Sap SE-Sponsored ADR New 0.05% +0.05
WMT Walmart Inc. Add +2.4% 0.58% +0.05
ET Energy Transfer LP New 0.05% +0.05
MCK McKesson Corp. New 0.05% +0.05
PULS Pgim Ultra Short Bond ETF Add +11.6% 0.97% +0.05
SHV iShares 0-1 Year Treasury Bo Add +10.2% 1.24% +0.04
ENB Enbridge Inc. Add +12.4% 0.79% +0.04
VZ Verizon Communications Inc. Add +16.1% 0.23% +0.04
GOOG Alphabet Inc. Class C Add +2.6% 0.92% +0.03
GOOGL Alphabet Inc. Class A Add +1.8% 1.13% +0.03
XNCMX Nuveen Ca Amt-FR Muni Inc. New 0.03% +0.03
VTI VG Morningstar TS MKT ETF-US Add +0.9% 0.71% +0.02
XAR SS SPDR S&P Aerospace Def Add +4.9% 1.28% +0.02
MA Mastercard Inc. Class A Add +6.7% 0.19% +0.02
PEP Pepsico Inc. Add +14.7% 0.22% +0.02
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +0.5% 1.89% +0.02
XLV SS Health Care Select Sector Add +5.3% 0.15% +0.01
B Barrick Gold Corp. Add +30.3% 0.08% +0.01
BLK BlackRock Finance Inc. Add +16.9% 0.07% +0.01
NEE Nextera Energy Inc. Add +5.1% 0.17% +0.01
V Visa Inc. Class A Add +0.5% 0.20% +0.00
CVX Chevron Corp. Add +1.0% 1.89% +0.00
DFAS Dimensional US Small Cap ETF Add +2.0% 1.82% −0.00
O Realty Income Corp. Add +7.3% 0.06% −0.00
DUK Duke Energy Corp. Add +0.4% 0.09% −0.01
LMT Lockheed Martin Corp. Add +0.6% 0.14% −0.01
PFE Pfizer Inc. Add +6.7% 0.26% −0.01
SBUX Starbucks Corp. Add +5.0% 0.20% −0.01
NKE Nike Inc. Class B Add +3.0% 0.08% −0.02
TSLA Tesla Inc. Add +26.5% 0.16% −0.03
VWOB Vanguard Emerg MKTS Gov BND Add +2.8% 0.90% −0.03
SPHY SS SPDR P High Yield ETF Add +1.1% 0.80% −0.04
ADBE Adobe Inc. Add +0.7% 0.20% −0.05
VCIT Vanguard Int-Term Corporate Add +0.7% 2.04% −0.14
SCHR Schwab Intermediate-Term US Add +1.3% 6.21% −0.42

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 229$609.6MVTV, SCHO, SCHR, SCHG, SCHF
Q1 2026 214$551.3MSCHO, VTV, SCHR, SCHG, SCHF
Q4 2025 209$541.7MSCHO, SCHR, VTV, SCHG, AAPL
Q3 2025 211$516.3MSCHO, SCHR, SCHG, VTV, AAPL
Q2 2025 201$483.6MSCHO, SCHR, VTV, SCHG, SCHF
Q1 2025 184$445.7MVTV, SCHR, SCHG, SCHO, SCHZ
Q4 2024 174$434.5MSCHG, VTV, SCHO, SCHR, SCHZ
Q3 2024 172$433.4MSCHG, VTV, SCHR, SCHO, SCHZ
Q2 2024 168$406.5MSCHG, SCHO, SCHR, VTV, SCHZ
Q1 2024 164$395.9MSCHO, SCHG, VTV, SCHR, BIL