FLC Capital Advisors
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 16, 2024), FLC Capital Advisors reported 172 stock positions worth $433.4 million. Its top holding was Schwab US Large-Cap Growth (SCHG) at 7.1% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 6.8%) and Schwab Intermediate-Term US (SCHR, 6.7%). Compared with Q2 2024, it opened 13 new positions, sold out of 9, added to 59 and reduced 32. The biggest buy was Vanguard Mrngstr Val ETF-Aui (VTV, shares +2%) and the biggest sale Merck (MRK, shares −4%).
- Most Recent 13F
- Q2 2026
- Location
- PALM DESERT, CA
- CIK
- 0001713697
- Portfolio Value
- $433.4M (Q3 2024)
- SEC Filing
- 0001085146-24-004950 ↗ filed Oct 16, 2024
Holdings Value
Holdings 172 stocks · $433.4M
| SCHG Schwab US Large-Cap Growth | 7.06% | 293,628 | $30.6M | Add +2.2% |
| VTV Vanguard Mrngstr Val ETF-Aui | 6.79% | 168,622 | $29.4M | Add +2.5% |
| SCHR Schwab Intermediate-Term US | 6.66% | 570,155 | $28.8M | Add +2.1% |
| SCHO Schwab Short-Term US Treas | 6.59% | 582,723 | $28.5M | Add +2.8% |
| SCHZ Schwab US Aggregate Bond ETF | 5.69% | 518,968 | $24.7M | Add +3.2% |
| AAPL Apple Inc. | 3.95% | 73,544 | $17.1M | No change |
| SCHF Schwab Intl Equity ETF | 3.61% | 380,214 | $15.6M | Add +1.4% |
| VMBS Vanguard Mortgage-Backed Sec | 2.59% | 237,767 | $11.2M | Add +5.0% |
| IWF iShares Russell 1000 Growth | 2.36% | 27,221 | $10.2M | Reduce -2.0% |
| EMXC iShares MSCI Emr MRK Ex Chna | 2.16% | 153,491 | $9.4M | Add +0.9% |
| MRK Merck & Co. Inc. | 2.14% | 81,505 | $9.3M | Reduce -3.5% |
| MSFT Microsoft Corp. | 2.07% | 20,868 | $9.0M | Add +2.8% |
| VCIT Vanguard Int-Term Corporate | 1.90% | 98,418 | $8.2M | Add +6.6% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.83% | 30,010 | $7.9M | Add +1.2% |
| DFAS Dimensional US Small Cap ETF | 1.80% | 120,203 | $7.8M | Add +2.1% |
| CVX Chevron Corp. | 1.60% | 47,022 | $6.9M | Add +0.0% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 1.42% | 27,914 | $6.2M | No change |
| IVV iShares Core S&P 500 ETF | 1.40% | 10,527 | $6.1M | Reduce -1.0% |
| XAR SS SPDR S&P Aerospace Def | 1.32% | 36,369 | $5.7M | Add +0.6% |
| AMZN Amazon.com Inc. | 1.27% | 29,521 | $5.5M | Add +1.2% |
| SCHD Schwab US DVD Equity ETF | 1.24% | 63,498 | $5.4M | Reduce -0.7% |
| XOM Exxon Mobil Corp. | 1.18% | 43,788 | $5.1M | No change |
| GOOGL Alphabet Inc. Class A | 1.14% | 29,824 | $4.9M | Add +0.2% |
| META Meta Platforms Inc. Class A | 1.08% | 8,144 | $4.7M | No change |
| VWOB Vanguard Emerg MKTS Gov BND | 1.04% | 68,145 | $4.5M | Add +6.9% |
| SPHY SS SPDR P High Yield ETF | 1.04% | 186,553 | $4.5M | Add +4.3% |
| VIG Vanguard Dividend Apprec ETF | 1.02% | 22,361 | $4.4M | No change |
| GOOG Alphabet Inc. Class C | 0.95% | 24,513 | $4.1M | Add +1.7% |
| JPM JPMorgan Chase & Co. | 0.92% | 19,011 | $4.0M | Reduce -8.0% |
| ENB Enbridge Inc. | 0.91% | 96,594 | $3.9M | Add +7.0% |
| ESGU iShares ESG Aware MSCI USA | 0.85% | 29,203 | $3.7M | Reduce -1.1% |
| EPD Enterprise Products Partners | 0.75% | 111,860 | $3.3M | Add +2.8% |
| NVDA Nvidia Corp. | 0.74% | 26,356 | $3.2M | Add +7.3% |
| WMT Walmart Inc. | 0.71% | 37,875 | $3.1M | No change |
| VTI VG Morningstar TS MKT ETF-US | 0.70% | 10,683 | $3.0M | No change |
| BRK.B Berkshire Hathaway Inc. Class B | 0.69% | 6,506 | $3.0M | Reduce -3.8% |
| IJH iShares Core S&P Midcap ETF | 0.66% | 46,095 | $2.9M | Reduce -1.3% |
| CAT Caterpillar Inc. | 0.66% | 7,297 | $2.9M | Reduce -9.2% |
| SHV iShares 0-1 Year Treasury Bo | 0.56% | 22,129 | $2.4M | Reduce -13.9% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.46% | 21,887 | $2.0M | Add +13.7% |
| JNJ Johnson & Johnson | 0.44% | 11,822 | $1.9M | Add +0.3% |
| QCOM Qualcomm Inc. | 0.43% | 10,950 | $1.9M | Add +4.8% |
| VTEC Vanguard Ca Tax-Ex Bond | 0.41% | 17,578 | $1.8M | Add +5.0% |
| PM Philip Morris International | 0.41% | 14,597 | $1.8M | No change |
| GLTR Abrdn Precious Metals Basket | 0.39% | 15,075 | $1.7M | No change |
| SUB iShares Short-Term National | 0.38% | 15,553 | $1.7M | Add +10.3% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.35% | 37,912 | $1.5M | Reduce -5.2% |
| PANW Palo Alto Networks Inc. | 0.32% | 4,035 | $1.4M | Add +0.8% |
| ITA iShares U.S. Aerospace & Def | 0.31% | 8,864 | $1.3M | No change |
| TSM Taiwan Semiconductor-SP ADR | 0.30% | 7,611 | $1.3M | No change |
| RTX RTX Corp. | 0.30% | 10,828 | $1.3M | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.28% | 12,392 | $1.2M | Reduce -18.2% |
| IJR iShares Core S&P Small-Cap E | 0.27% | 10,187 | $1.2M | Reduce -2.7% |
| COST Costco Wholesale Corp. | 0.26% | 1,293 | $1.1M | Add +15.8% |
| CSCO Cisco Systems Inc. | 0.26% | 21,254 | $1.1M | Reduce -15.8% |
| PFE Pfizer Inc. | 0.26% | 38,772 | $1.1M | Add +16.7% |
| NEE Nextera Energy Inc. | 0.26% | 13,120 | $1.1M | Add +0.3% |
| NFLX Netflix Inc. | 0.25% | 1,547 | $1.1M | No change |
| VOO Vanguard S&P 500 ETF | 0.23% | 1,905 | $1.0M | Add +0.7% |
| UNH Unitedhealth Group Inc. | 0.23% | 1,716 | $1.0M | No change |
| LLY Eli Lilly & Co. | 0.23% | 1,129 | $1.0M | Reduce -0.9% |
| CMCSA Comcast Corp. Class A | 0.22% | 22,726 | $949K | Add +4.8% |
| CMI Cummins Inc. | 0.22% | 2,920 | $945K | No change |
| ABBV Abbvie Inc. | 0.22% | 4,772 | $942K | Reduce -16.5% |
| VZ Verizon Communications Inc. | 0.22% | 20,953 | $941K | Reduce -4.4% |
| CRM Salesforce Inc. | 0.21% | 3,400 | $931K | Add +2.7% |
| PEP Pepsico Inc. | 0.21% | 5,429 | $923K | Add +6.6% |
| STZ Constellation Brands Inc. Class A | 0.21% | 3,538 | $912K | New |
| QUAL iShares MSCI USA Quality Fac | 0.21% | 4,977 | $892K | No change |
| SBUX Starbucks Corp. | 0.20% | 8,996 | $877K | Reduce -0.8% |
| SCHW Schwab (charles) Corp. | 0.20% | 13,376 | $867K | Add +118.2% |
| FFWM First Foundation Inc. | 0.20% | 135,861 | $848K | Add +7.0% |
| UBER Uber Technologies Inc. | 0.19% | 11,120 | $836K | No change |
| UL Unilever PLC | 0.19% | 12,762 | $829K | No change |
| V Visa Inc. Class A | 0.19% | 2,924 | $804K | Add +3.5% |
| FTNT Fortinet Inc. | 0.18% | 10,305 | $799K | No change |
| MMM 3M Co. | 0.18% | 5,754 | $787K | No change |
| MA Mastercard Inc. Class A | 0.18% | 1,587 | $784K | No change |
| TSLA Tesla Inc. | 0.18% | 2,959 | $774K | Reduce -16.7% |
| ADBE Adobe Inc. | 0.18% | 1,492 | $773K | No change |
| PG The Procter & Gamble Co. | 0.17% | 4,369 | $757K | Reduce -5.8% |
| PFFD Global X US Preferred ETF | 0.17% | 35,960 | $747K | Add +81.5% |
| MO Altria Group Inc. | 0.17% | 14,396 | $735K | Add +4.0% |
| GBCI Glacier Bancorp Inc. | 0.16% | 15,600 | $713K | No change |
| HD Home Depot Inc. | 0.16% | 1,686 | $683K | Reduce -25.4% |
| TFC Truist Financial Corp. | 0.16% | 15,849 | $678K | No change |
| AMGN Amgen Inc. | 0.16% | 2,086 | $672K | No change |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.15% | 12,781 | $653K | Add +7.2% |
| EIX Edison International | 0.15% | 7,404 | $645K | No change |
| XLV SS Health Care Select Sector | 0.14% | 3,999 | $616K | No change |
| LMT Lockheed Martin Corp. | 0.14% | 1,040 | $608K | Reduce -11.9% |
| ARCC Ares Capital Corp. | 0.14% | 28,899 | $605K | Add +50.4% |
| T AT&T Inc. | 0.14% | 27,169 | $598K | Add +11.2% |
| FDX FedEx Corp. | 0.13% | 2,122 | $581K | No change |
| KLAC KLA Corp. | 0.13% | 747 | $578K | No change |
| AVGO Broadcom Inc. | 0.13% | 3,280 | $566K | No change |
| VLY Valley National Bancorp | 0.13% | 62,003 | $562K | No change |
| AHR American Healthcare REIT Inc. | 0.12% | 20,644 | $539K | New |
| DXJ Wisdomtree Japan Hedged Eq | 0.12% | 4,914 | $521K | Add +0.8% |
| WPC WP Carey Inc. | 0.12% | 8,268 | $515K | Reduce -4.5% |
Portfolio Sells Q2 2024 → Q3 2024
| MRK Merck & Co. Inc. | Reduce -3.5% | 2.14% | −0.44 |
| BA The Boeing Co. | Sold out | 0.00% | −0.14 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -13.9% | 0.56% | −0.13 |
| IWF iShares Russell 1000 Growth | Reduce -2.0% | 2.36% | −0.13 |
| PULS Pgim Ultra Short Bond ETF | Reduce -70.1% | 0.05% | −0.13 |
| JPM JPMorgan Chase & Co. | Reduce -8.0% | 0.92% | −0.10 |
| DIS The Walt Disney Co. | Reduce -18.2% | 0.28% | −0.10 |
| LYB Lyondellbasell Indu Class A | Sold out | 0.00% | −0.07 |
| CVS CVS Health Corp. | Sold out | 0.00% | −0.06 |
| BMY Bristol-Myers Squibb Co. | Sold out | 0.00% | −0.06 |
| INTC Intel Corp. | Reduce -11.8% | 0.09% | −0.06 |
| MCK McKesson Corp. | Sold out | 0.00% | −0.05 |
| FTSL First Trust Senior Loan ETF | Sold out | 0.00% | −0.05 |
| DOW Dow Inc. | Sold out | 0.00% | −0.05 |
| COP Conocophillips | Sold out | 0.00% | −0.05 |
| BAC Bank of America Corp. | Reduce -5.2% | 0.35% | −0.04 |
| ALB Albemarle Corp. | Reduce -42.6% | 0.05% | −0.04 |
| DMB BNY Mellon Muni BND Infra | Sold out | 0.00% | −0.04 |
| CSCO Cisco Systems Inc. | Reduce -15.8% | 0.26% | −0.03 |
| HD Home Depot Inc. | Reduce -25.4% | 0.16% | −0.03 |
| IVV iShares Core S&P 500 ETF | Reduce -1.0% | 1.40% | −0.03 |
| ABBV Abbvie Inc. | Reduce -16.5% | 0.22% | −0.02 |
| LLY Eli Lilly & Co. | Reduce -0.9% | 0.23% | −0.02 |
| ESGU iShares ESG Aware MSCI USA | Reduce -1.1% | 0.85% | −0.02 |
| PG The Procter & Gamble Co. | Reduce -5.8% | 0.17% | −0.01 |
| BSV Vanguard Short-Term Bond ETF | Reduce -13.7% | 0.06% | −0.01 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.3% | 0.66% | −0.01 |
| MUB iShares National Muni Bond E | Reduce -10.3% | 0.06% | −0.01 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -5.6% | 0.12% | −0.01 |
| TGT Target Corp. | Reduce -13.8% | 0.05% | −0.01 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -5.4% | 0.11% | −0.01 |
| VZ Verizon Communications Inc. | Reduce -4.4% | 0.22% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -2.7% | 0.27% | +0.00 |
| CAT Caterpillar Inc. | Reduce -9.2% | 0.66% | +0.00 |
| WPC WP Carey Inc. | Reduce -4.5% | 0.12% | +0.00 |
| MDT Medtronic PLC | Reduce -3.0% | 0.09% | +0.00 |
| LMT Lockheed Martin Corp. | Reduce -11.9% | 0.14% | +0.00 |
| TSLA Tesla Inc. | Reduce -16.7% | 0.18% | +0.01 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -3.8% | 0.69% | +0.01 |
| SCHD Schwab US DVD Equity ETF | Reduce -0.7% | 1.24% | +0.01 |
| SBUX Starbucks Corp. | Reduce -0.8% | 0.20% | +0.03 |
Portfolio Buys Q2 2024 → Q3 2024
| VTV Vanguard Mrngstr Val ETF-Aui | Add +2.5% | 6.79% | +0.30 |
| STZ Constellation Brands Inc. Class A | New | 0.21% | +0.21 |
| AHR American Healthcare REIT Inc. | New | 0.12% | +0.12 |
| ENB Enbridge Inc. | Add +7.0% | 0.91% | +0.11 |
| SCHW Schwab (charles) Corp. | Add +118.2% | 0.20% | +0.09 |
| VCIT Vanguard Int-Term Corporate | Add +6.6% | 1.90% | +0.09 |
| PFFD Global X US Preferred ETF | Add +81.5% | 0.17% | +0.08 |
| XAR SS SPDR S&P Aerospace Def | Add +0.6% | 1.32% | +0.07 |
| KHC The Kraft Heinz Co. | New | 0.07% | +0.07 |
| SCHF Schwab Intl Equity ETF | Add +1.4% | 3.61% | +0.06 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +1.2% | 1.83% | +0.06 |
| VMBS Vanguard Mortgage-Backed Sec | Add +5.0% | 2.59% | +0.06 |
| DFAS Dimensional US Small Cap ETF | Add +2.1% | 1.80% | +0.06 |
| PYPL PayPal Holdings Inc. | New | 0.06% | +0.06 |
| VWOB Vanguard Emerg MKTS Gov BND | Add +6.9% | 1.04% | +0.06 |
| NEM Newmont Corp. | New | 0.06% | +0.06 |
| GE General Electric | New | 0.05% | +0.05 |
| GILD Gilead Sciences Inc. | New | 0.05% | +0.05 |
| SCHZ Schwab US Aggregate Bond ETF | Add +3.2% | 5.69% | +0.05 |
| DY Dycom Industries Inc. | New | 0.05% | +0.05 |
| BOOT Boot Barn Holdings Inc. | New | 0.05% | +0.05 |
| CCI Crown Castle Inc. | New | 0.05% | +0.05 |
| VT Vanguard Tot World STK ETF | New | 0.05% | +0.05 |
| ED Consolidated Edison Inc. | New | 0.05% | +0.05 |
| PFFV Global X Variable Rate Pref | Add +80.3% | 0.11% | +0.04 |
| ARCC Ares Capital Corp. | Add +50.4% | 0.14% | +0.04 |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | Add +68.8% | 0.10% | +0.04 |
| COST Costco Wholesale Corp. | Add +15.8% | 0.26% | +0.03 |
| PFE Pfizer Inc. | Add +16.7% | 0.26% | +0.03 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +13.7% | 0.46% | +0.03 |
| NEE Nextera Energy Inc. | Add +0.3% | 0.26% | +0.03 |
| NGL NGL Energy Partners LP | New | 0.02% | +0.02 |
| O Realty Income Corp. | Add +28.1% | 0.08% | +0.02 |
| T AT&T Inc. | Add +11.2% | 0.14% | +0.02 |
| SUB iShares Short-Term National | Add +10.3% | 0.38% | +0.02 |
| JNJ Johnson & Johnson | Add +0.3% | 0.44% | +0.02 |
| NKE Nike Inc. Class B | Add +15.5% | 0.08% | +0.02 |
| DUK Duke Energy Corp. | Add +9.0% | 0.11% | +0.02 |
| UPS United Parcel Service Class B | Add +30.8% | 0.08% | +0.01 |
| MO Altria Group Inc. | Add +4.0% | 0.17% | +0.01 |
| SPHY SS SPDR P High Yield ETF | Add +4.3% | 1.04% | +0.01 |
| ALL Allstate Corp. | Add +6.2% | 0.08% | +0.01 |
| FUTY Fidelity MSCI US Utilities | Add +2.5% | 0.10% | +0.01 |
| KMI Kinder Morgan Inc. | Add +6.5% | 0.11% | +0.01 |
| CMCSA Comcast Corp. Class A | Add +4.8% | 0.22% | +0.01 |
| PEP Pepsico Inc. | Add +6.6% | 0.21% | +0.01 |
| CRM Salesforce Inc. | Add +2.7% | 0.21% | +0.01 |
| FCX Freeport-McMoran Inc. | Add +9.3% | 0.10% | +0.00 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +7.2% | 0.15% | +0.00 |
| NVS Novartis AG-Sponsored ADR | Add +4.4% | 0.06% | +0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 229 | $609.6M | VTV, SCHO, SCHR, SCHG, SCHF |
| Q1 2026 | 214 | $551.3M | SCHO, VTV, SCHR, SCHG, SCHF |
| Q4 2025 | 209 | $541.7M | SCHO, SCHR, VTV, SCHG, AAPL |
| Q3 2025 | 211 | $516.3M | SCHO, SCHR, SCHG, VTV, AAPL |
| Q2 2025 | 201 | $483.6M | SCHO, SCHR, VTV, SCHG, SCHF |
| Q1 2025 | 184 | $445.7M | VTV, SCHR, SCHG, SCHO, SCHZ |
| Q4 2024 | 174 | $434.5M | SCHG, VTV, SCHO, SCHR, SCHZ |
| Q3 2024 | 172 | $433.4M | SCHG, VTV, SCHR, SCHO, SCHZ |
| Q2 2024 | 168 | $406.5M | SCHG, SCHO, SCHR, VTV, SCHZ |
| Q1 2024 | 164 | $395.9M | SCHO, SCHG, VTV, SCHR, BIL |