FLC Capital Advisors

In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 15, 2024), FLC Capital Advisors reported 168 stock positions worth $406.5 million. Its top holding was Schwab US Large-Cap Growth (SCHG) at 7.1% of the portfolio, followed by Schwab Short-Term US Treas (SCHO, 6.7%) and Schwab Intermediate-Term US (SCHR, 6.7%). Compared with Q1 2024, it opened 9 new positions, sold out of 5, added to 40 and reduced 42. The biggest buy was a new position in Schwab US Aggregate Bond ETF (SCHZ) and the biggest sale SS SPDR BB 1-3M T-Bill ETF (BIL, shares −91%).

Most Recent 13F
Q2 2026
Location
PALM DESERT, CA
CIK
0001713697
Portfolio Value
$406.5M (Q2 2024)
SEC Filing
0001085146-24-002967 ↗ filed Jul 15, 2024

Holdings Value

0$200.0M$400.0M$600.0M$800.0M Q1 2024: $395.9M Q1 2024 Q2 2024: $406.5M $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 168 stocks · $406.5M
SCHG Schwab US Large-Cap Growth 7.13% 287,231 $29.0M Reduce -8.8%
SCHO Schwab Short-Term US Treas 6.72% 567,106 $27.3M Reduce -21.3%
SCHR Schwab Intermediate-Term US 6.70% 558,269 $27.2M Add +11.3%
VTV Vanguard Mrngstr Val ETF-Aui 6.49% 164,536 $26.4M Reduce -0.8%
SCHZ Schwab US Aggregate Bond ETF 5.64% 502,765 $22.9M New
AAPL Apple Inc. 3.81% 73,544 $15.5M Add +1.1%
SCHF Schwab Intl Equity ETF 3.54% 374,957 $14.4M Reduce -1.7%
MRK Merck & Co. Inc. 2.57% 84,495 $10.5M Reduce -0.1%
VMBS Vanguard Mortgage-Backed Sec 2.53% 226,395 $10.3M New
IWF iShares Russell 1000 Growth 2.49% 27,765 $10.1M Reduce -0.3%
MSFT Microsoft Corp. 2.23% 20,305 $9.1M Add +0.7%
EMXC iShares MSCI Emr MRK Ex Chna 2.21% 152,065 $9.0M Add +3.3%
VCIT Vanguard Int-Term Corporate 1.82% 92,356 $7.4M Reduce -7.9%
CVX Chevron Corp. 1.81% 47,008 $7.4M Reduce -1.1%
VO Vngrd Mrngstr MD-Cap ETF-Usd 1.77% 29,641 $7.2M Reduce -0.8%
DFAS Dimensional US Small Cap ETF 1.74% 117,734 $7.1M Add +1.9%
IVV iShares Core S&P 500 ETF 1.43% 10,635 $5.8M Reduce -0.5%
AMZN Amazon.com Inc. 1.39% 29,176 $5.6M Add +0.6%
GOOGL Alphabet Inc. Class A 1.33% 29,764 $5.4M Add +0.3%
XAR SS SPDR S&P Aerospace Def 1.25% 36,164 $5.1M Add +0.3%
XOM Exxon Mobil Corp. 1.24% 43,788 $5.0M Add +9.4%
SCHD Schwab US DVD Equity ETF 1.22% 63,969 $5.0M Add +0.5%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 1.19% 27,914 $4.8M Reduce -0.3%
GOOG Alphabet Inc. Class C 1.09% 24,113 $4.4M Add +0.5%
JPM JPMorgan Chase & Co. 1.03% 20,661 $4.2M Add +0.0%
SPHY SS SPDR P High Yield ETF 1.02% 178,769 $4.2M Add +32.6%
META Meta Platforms Inc. Class A 1.01% 8,144 $4.1M Add +0.8%
VIG Vanguard Dividend Apprec ETF 1.00% 22,361 $4.1M Reduce -0.4%
VWOB Vanguard Emerg MKTS Gov BND 0.99% 63,742 $4.0M Add +14.2%
ESGU iShares ESG Aware MSCI USA 0.87% 29,516 $3.5M Reduce -2.0%
ENB Enbridge Inc. 0.79% 90,306 $3.2M Add +3.9%
EPD Enterprise Products Partners 0.78% 108,787 $3.2M Add +6.2%
NVDA Nvidia Corp. 0.75% 24,560 $3.0M Add +7.7%
VTI VG Morningstar TS MKT ETF-US 0.70% 10,683 $2.9M Reduce -0.9%
SHV iShares 0-1 Year Treasury Bo 0.70% 25,690 $2.8M Reduce -42.1%
BRK.B Berkshire Hathaway Inc. Class B 0.68% 6,766 $2.8M Reduce -16.9%
IJH iShares Core S&P Midcap ETF 0.67% 46,692 $2.7M Add +0.0%
CAT Caterpillar Inc. 0.66% 8,032 $2.7M Reduce -0.3%
WMT Walmart Inc. 0.63% 37,875 $2.6M No change
QCOM Qualcomm Inc. 0.51% 10,450 $2.1M Add +0.3%
BIL SS SPDR BB 1-3M T-Bill ETF 0.43% 19,257 $1.8M Reduce -91.4%
JNJ Johnson & Johnson 0.42% 11,788 $1.7M Reduce -2.4%
VTEC Vanguard Ca Tax-Ex Bond 0.41% 16,746 $1.7M New
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.39% 39,973 $1.6M Reduce -5.0%
GLTR Abrdn Precious Metals Basket 0.38% 15,075 $1.6M Reduce -0.2%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.37% 15,146 $1.5M Reduce -0.1%
PM Philip Morris International 0.36% 14,597 $1.5M No change
SUB iShares Short-Term National 0.36% 14,106 $1.5M Add +13.0%
PANW Palo Alto Networks Inc. 0.33% 4,005 $1.4M No change
TSM Taiwan Semiconductor-SP ADR 0.33% 7,611 $1.3M No change
CSCO Cisco Systems Inc. 0.30% 25,243 $1.2M Add +0.5%
ITA iShares U.S. Aerospace & Def 0.29% 8,864 $1.2M Add +0.0%
IJR iShares Core S&P Small-Cap E 0.27% 10,473 $1.1M Reduce -0.6%
RTX RTX Corp. 0.27% 10,828 $1.1M No change
NFLX Netflix Inc. 0.26% 1,547 $1.0M No change
LLY Eli Lilly & Co. 0.25% 1,139 $1.0M Reduce -3.8%
ABBV Abbvie Inc. 0.24% 5,717 $981K Reduce -15.4%
COST Costco Wholesale Corp. 0.23% 1,117 $950K No change
VOO Vanguard S&P 500 ETF 0.23% 1,891 $946K Reduce -0.3%
PFE Pfizer Inc. 0.23% 33,216 $929K Reduce -9.4%
NEE Nextera Energy Inc. 0.23% 13,086 $927K Add +26.0%
VZ Verizon Communications Inc. 0.22% 21,927 $904K Add +1.4%
UNH Unitedhealth Group Inc. 0.21% 1,716 $874K No change
CRM Salesforce Inc. 0.21% 3,312 $852K Add +3.5%
QUAL iShares MSCI USA Quality Fac 0.21% 4,977 $850K No change
CMCSA Comcast Corp. Class A 0.21% 21,686 $849K Add +15.2%
PEP Pepsico Inc. 0.21% 5,092 $840K Add +3.5%
FFWM First Foundation Inc. 0.20% 126,997 $832K No change
ADBE Adobe Inc. 0.20% 1,492 $829K Reduce -4.0%
CMI Cummins Inc. 0.20% 2,920 $809K No change
UBER Uber Technologies Inc. 0.20% 11,120 $808K Add +15.3%
HD Home Depot Inc. 0.19% 2,261 $778K Add +0.0%
PG The Procter & Gamble Co. 0.19% 4,636 $765K No change
V Visa Inc. Class A 0.18% 2,824 $741K No change
PULS Pgim Ultra Short Bond ETF 0.18% 14,663 $729K Reduce -81.0%
SBUX Starbucks Corp. 0.17% 9,071 $706K Add +7.2%
TSLA Tesla Inc. 0.17% 3,551 $703K Add +0.6%
UL Unilever PLC 0.17% 12,762 $702K No change
MA Mastercard Inc. Class A 0.17% 1,587 $700K No change
AMGN Amgen Inc. 0.16% 2,086 $652K Add +2.5%
FDX FedEx Corp. 0.16% 2,122 $636K No change
MO Altria Group Inc. 0.16% 13,842 $631K No change
FTNT Fortinet Inc. 0.15% 10,305 $621K Reduce -1.6%
KLAC KLA Corp. 0.15% 747 $616K No change
TFC Truist Financial Corp. 0.15% 15,849 $616K No change
INTC Intel Corp. 0.15% 19,532 $605K Add +9.1%
VTEB Vanguard Tax-Exempt Bond ETF 0.15% 11,928 $598K Reduce -69.4%
BA The Boeing Co. 0.14% 3,231 $588K Reduce -39.9%
MMM 3M Co. 0.14% 5,754 $588K Reduce -32.4%
XLV SS Health Care Select Sector 0.14% 3,999 $583K No change
GBCI Glacier Bancorp Inc. 0.14% 15,600 $582K No change
LMT Lockheed Martin Corp. 0.14% 1,180 $551K Reduce -4.8%
DXJ Wisdomtree Japan Hedged Eq 0.14% 4,876 $550K No change
EIX Edison International 0.13% 7,404 $532K No change
AVGO Broadcom Inc. 0.13% 328 $527K No change
MGC Vngrd Mrngstr MG Cap ETF-Usd 0.13% 2,625 $518K No change
WPC WP Carey Inc. 0.12% 8,661 $477K Reduce -1.7%
T AT&T Inc. 0.11% 24,434 $467K Add +6.6%
VLUE iShares MSCI USA Value Facto 0.11% 4,482 $464K No change
SPYM Ste STR SPDR PT S&P 500 ETF 0.11% 7,161 $458K No change
SCHW Schwab (charles) Corp. 0.11% 6,131 $452K No change
VLY Valley National Bancorp 0.11% 62,003 $433K No change
QQQ Invesco QQQ Trust Series 1 0.10% 873 $418K Add +0.1%
MCD McDonald's Corp. 0.10% 1,632 $416K Reduce -11.4%
ABT Abbott Laboratories 0.10% 3,983 $414K No change
CB Chubb Ltd. 0.10% 1,591 $406K No change
ARCC Ares Capital Corp. 0.10% 19,216 $400K Add +40.1%
UNP Union Pacific Corp. 0.10% 1,752 $396K No change
XLE SS Energy Select Sector 0.10% 4,342 $396K Reduce -0.4%
NVO Novo-Nordisk A/S-Spons ADR 0.10% 2,750 $393K No change
KMI Kinder Morgan Inc. 0.10% 19,708 $392K No change
PFFD Global X US Preferred ETF 0.10% 19,812 $390K New
SCHA Schwab US Small-Cap ETF 0.10% 8,204 $389K Add +37.8%
DUK Duke Energy Corp. 0.10% 3,869 $388K No change
HYD Vaneck High Yield Muni ETF 0.10% 7,476 $386K New
NOW ServiceNow Inc. 0.09% 476 $374K No change
GD General Dynamics Corp. 0.09% 1,282 $372K No change
ALB Albemarle Corp. 0.09% 3,864 $369K Add +4.1%
FCX Freeport-McMoran Inc. 0.09% 7,564 $368K No change
FUTY Fidelity MSCI US Utilities 0.09% 7,928 $349K No change
TXN Texas Instruments Inc. 0.08% 1,749 $340K No change
MDT Medtronic PLC 0.08% 4,234 $333K Add +9.4%
LOW Lowe's Cos Inc. 0.08% 1,490 $328K No change
B Barrick Gold Corp. 0.08% 19,360 $323K No change
EFG iShares MSCI Eafe Growth ETF 0.08% 3,152 $322K No change
SO The Southern Co. 0.07% 3,840 $298K No change
BSV Vanguard Short-Term Bond ETF 0.07% 3,766 $289K Reduce -5.4%
KMB Kimberly-Clark Corp. 0.07% 2,073 $286K No change
LYB Lyondellbasell Indu Class A 0.07% 2,897 $277K No change
VEA Vanguard Ftse Developed ETF 0.07% 5,555 $275K No change
UPS United Parcel Service Class B 0.07% 1,997 $273K No change
IWM iShares Russell 2000 ETF 0.07% 1,345 $273K No change
AXP American Express Co. 0.07% 1,155 $267K No change
EQWL Invesco S&P 100 Equal Weight 0.07% 2,800 $265K No change
SLV iShares Silver Trust 0.06% 9,926 $264K No change
MUB iShares National Muni Bond E 0.06% 2,457 $262K Reduce -21.1%
ALL Allstate Corp. 0.06% 1,626 $260K No change
NKE Nike Inc. Class B 0.06% 3,393 $256K Reduce -2.9%
VDE Vanguard Energy ETF 0.06% 2,000 $255K No change
PFFV Global X Variable Rate Pref 0.06% 10,613 $251K New
PEG Public Service Enterprise GP 0.06% 3,400 $251K No change
PAYX Paychex Inc. 0.06% 2,089 $248K No change
OEF iShares S&P 100 ETF 0.06% 936 $247K No change
CVS CVS Health Corp. 0.06% 4,172 $246K No change
ROBT First Trust Nasdaq Artificia 0.06% 5,809 $246K No change
BLK BlackRock Finance Inc. 0.06% 311 $245K No change
XNEAX Nuveen Amt-FR QLTY Muni Inc. 0.06% 21,076 $242K No change
NVS Novartis AG-Sponsored ADR 0.06% 2,266 $241K No change
FSTA Fidelity MSCI Cons Stap Indx 0.06% 5,000 $237K No change
TGT Target Corp. 0.06% 1,600 $237K No change
BMY Bristol-Myers Squibb Co. 0.06% 5,695 $237K No change
COR Cencora Inc. 0.06% 1,048 $236K No change
KO The Coca-Cola Co. 0.06% 3,645 $232K Reduce -6.5%
MCK McKesson Corp. 0.05% 375 $219K No change
EFA iShares MSCI Eafe ETF 0.05% 2,786 $218K No change
DECK Deckers Outdoor Corp. 0.05% 225 $218K No change
SAP Sap SE-Sponsored ADR 0.05% 1,059 $214K No change
O Realty Income Corp. 0.05% 4,008 $212K Reduce -2.3%
ET Energy Transfer LP 0.05% 13,000 $211K No change
IHI iShares U.S. Medical Devices 0.05% 3,762 $211K No change
JEPI JPMorgan Equity Premium Inco 0.05% 3,672 $208K New
FTSL First Trust Senior Loan ETF 0.05% 4,480 $205K No change
EME Emcor Group Inc. 0.05% 560 $204K New
AIQ Global X Art Intel & Tech 0.05% 5,731 $204K New
DOW Dow Inc. 0.05% 3,841 $204K No change
COP Conocophillips 0.05% 1,771 $203K No change
DMB BNY Mellon Muni BND Infra 0.04% 13,550 $143K No change
XNCMX Nuveen Ca Amt-FR Muni Inc. 0.03% 10,000 $125K No change

Portfolio Sells Q1 2024 → Q2 2024
BIL SS SPDR BB 1-3M T-Bill ETF Reduce -91.4% 0.43% −4.74
SCHO Schwab Short-Term US Treas Reduce -21.3% 6.72% −2.06
PULS Pgim Ultra Short Bond ETF Reduce -81.0% 0.18% −0.79
SHV iShares 0-1 Year Treasury Bo Reduce -42.1% 0.70% −0.54
VTEB Vanguard Tax-Exempt Bond ETF Reduce -69.4% 0.15% −0.35
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.8% 6.49% −0.33
MRK Merck & Co. Inc. Reduce -0.1% 2.57% −0.25
SCHG Schwab US Large-Cap Growth Reduce -8.8% 7.13% −0.25
VCIT Vanguard Int-Term Corporate Reduce -7.9% 1.82% −0.22
SCHF Schwab Intl Equity ETF Reduce -1.7% 3.54% −0.22
BRK.B Berkshire Hathaway Inc. Class B Reduce -16.9% 0.68% −0.19
IBM Intl Business Machines Corp. Reduce -0.3% 1.19% −0.16
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -0.8% 1.77% −0.12
BA The Boeing Co. Reduce -39.9% 0.14% −0.12
CCI Crown Castle Inc. Sold out 0.00% −0.10
DIS The Walt Disney Co. Reduce -0.1% 0.37% −0.10
CAT Caterpillar Inc. Reduce -0.3% 0.66% −0.09
CVX Chevron Corp. Reduce -1.1% 1.81% −0.09
MMM 3M Co. Reduce -32.4% 0.14% −0.08
ABBV Abbvie Inc. Reduce -15.4% 0.24% −0.07
JNJ Johnson & Johnson Reduce -2.4% 0.42% −0.06
PYPL PayPal Holdings Inc. Sold out 0.00% −0.06
GE General Electric Sold out 0.00% −0.05
GILD Gilead Sciences Inc. Sold out 0.00% −0.05
IYE iShares U.S. Energy ETF Sold out 0.00% −0.05
VIG Vanguard Dividend Apprec ETF Reduce -0.4% 1.00% −0.03
MCD McDonald's Corp. Reduce -11.4% 0.10% −0.03
PFE Pfizer Inc. Reduce -9.4% 0.23% −0.03
FTNT Fortinet Inc. Reduce -1.6% 0.15% −0.03
MUB iShares National Muni Bond E Reduce -21.1% 0.06% −0.02
NKE Nike Inc. Class B Reduce -2.9% 0.06% −0.02
IJR iShares Core S&P Small-Cap E Reduce -0.6% 0.27% −0.02
BAC Bank of America Corp. Reduce -5.0% 0.39% −0.01
ESGU iShares ESG Aware MSCI USA Reduce -2.0% 0.87% −0.01
WPC WP Carey Inc. Reduce -1.7% 0.12% −0.01
LMT Lockheed Martin Corp. Reduce -4.8% 0.14% −0.01
XLE SS Energy Select Sector Reduce -0.4% 0.10% −0.01
BSV Vanguard Short-Term Bond ETF Reduce -5.4% 0.07% −0.01
VTI VG Morningstar TS MKT ETF-US Reduce -0.9% 0.70% −0.00
O Realty Income Corp. Reduce -2.3% 0.05% −0.00
KO The Coca-Cola Co. Reduce -6.5% 0.06% −0.00
VOO Vanguard S&P 500 ETF Reduce -0.3% 0.23% +0.00
ADBE Adobe Inc. Reduce -4.0% 0.20% +0.01
IVV iShares Core S&P 500 ETF Reduce -0.5% 1.43% +0.01
GLTR Abrdn Precious Metals Basket Reduce -0.2% 0.38% +0.02
LLY Eli Lilly & Co. Reduce -3.8% 0.25% +0.02
IWF iShares Russell 1000 Growth Reduce -0.3% 2.49% +0.12

Portfolio Buys Q1 2024 → Q2 2024
SCHZ Schwab US Aggregate Bond ETF New 5.64% +5.64
VMBS Vanguard Mortgage-Backed Sec New 2.53% +2.53
AAPL Apple Inc. Add +1.1% 3.81% +0.66
SCHR Schwab Intermediate-Term US Add +11.3% 6.70% +0.49
VTEC Vanguard Ca Tax-Ex Bond New 0.41% +0.41
NVDA Nvidia Corp. Add +7.7% 0.75% +0.23
SPHY SS SPDR P High Yield ETF Add +32.6% 1.02% +0.22
GOOGL Alphabet Inc. Class A Add +0.3% 1.33% +0.20
GOOG Alphabet Inc. Class C Add +0.5% 1.09% +0.17
PFFD Global X US Preferred ETF New 0.10% +0.10
HYD Vaneck High Yield Muni ETF New 0.10% +0.10
MSFT Microsoft Corp. Add +0.7% 2.23% +0.09
VWOB Vanguard Emerg MKTS Gov BND Add +14.2% 0.99% +0.09
EMXC iShares MSCI Emr MRK Ex Chna Add +3.3% 2.21% +0.07
QCOM Qualcomm Inc. Add +0.3% 0.51% +0.07
AMZN Amazon.com Inc. Add +0.6% 1.39% +0.07
XOM Exxon Mobil Corp. Add +9.4% 1.24% +0.07
PFFV Global X Variable Rate Pref New 0.06% +0.06
NEE Nextera Energy Inc. Add +26.0% 0.23% +0.06
JEPI JPMorgan Equity Premium Inco New 0.05% +0.05
EME Emcor Group Inc. New 0.05% +0.05
AIQ Global X Art Intel & Tech New 0.05% +0.05
SUB iShares Short-Term National Add +13.0% 0.36% +0.03
ARCC Ares Capital Corp. Add +40.1% 0.10% +0.03
SCHA Schwab US Small-Cap ETF Add +37.8% 0.10% +0.02
EPD Enterprise Products Partners Add +6.2% 0.78% +0.02
META Meta Platforms Inc. Class A Add +0.8% 1.01% +0.02
TSLA Tesla Inc. Add +0.6% 0.17% +0.02
AMGN Amgen Inc. Add +2.5% 0.16% +0.01
T AT&T Inc. Add +6.6% 0.11% +0.01
UBER Uber Technologies Inc. Add +15.3% 0.20% +0.01
QQQ Invesco QQQ Trust Series 1 Add +0.1% 0.10% +0.01
CMCSA Comcast Corp. Class A Add +15.2% 0.21% +0.00
MDT Medtronic PLC Add +9.4% 0.08% −0.00
ENB Enbridge Inc. Add +3.9% 0.79% −0.00
VZ Verizon Communications Inc. Add +1.4% 0.22% −0.01
ITA iShares U.S. Aerospace & Def Add +0.0% 0.29% −0.01
PEP Pepsico Inc. Add +3.5% 0.21% −0.01
JPM JPMorgan Chase & Co. Add +0.0% 1.03% −0.02
SBUX Starbucks Corp. Add +7.2% 0.17% −0.02
CSCO Cisco Systems Inc. Add +0.5% 0.30% −0.02
HD Home Depot Inc. Add +0.0% 0.19% −0.03
ALB Albemarle Corp. Add +4.1% 0.09% −0.03
XAR SS SPDR S&P Aerospace Def Add +0.3% 1.25% −0.03
CRM Salesforce Inc. Add +3.5% 0.21% −0.03
IJH iShares Core S&P Midcap ETF Add +0.0% 0.67% −0.04
INTC Intel Corp. Add +9.1% 0.15% −0.05
SCHD Schwab US DVD Equity ETF Add +0.5% 1.22% −0.07
DFAS Dimensional US Small Cap ETF Add +1.9% 1.74% −0.08

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