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

0$200.0M$400.0M$600.0M$800.0M Q1 2024: $395.9M Q1 2024 Q2 2024: $406.5M Q2 2024 Q3 2024: $433.4M $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 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%
MGC Vngrd Mrngstr MG Cap ETF-Usd 0.12% 2,479 $512K Reduce -5.6%
MCD McDonald's Corp. 0.11% 1,632 $497K No change
VLUE iShares MSCI USA Value Facto 0.11% 4,482 $489K No change
DUK Duke Energy Corp. 0.11% 4,218 $486K Add +9.0%
KMI Kinder Morgan Inc. 0.11% 20,999 $464K Add +6.5%
PFFV Global X Variable Rate Pref 0.11% 19,132 $460K Add +80.3%
CB Chubb Ltd. 0.11% 1,591 $459K No change
SPYM Ste STR SPDR PT S&P 500 ETF 0.11% 6,776 $457K Reduce -5.4%
ABT Abbott Laboratories 0.10% 3,983 $454K No change
UNP Union Pacific Corp. 0.10% 1,752 $432K No change
QQQ Invesco QQQ Trust Series 1 0.10% 883 $431K Add +1.1%
SCHA Schwab US Small-Cap ETF 0.10% 8,295 $427K Add +1.1%
XNEAX Nuveen Amt-FR QLTY Muni Inc. 0.10% 35,576 $426K Add +68.8%
NOW ServiceNow Inc. 0.10% 476 $426K No change
HYD Vaneck High Yield Muni ETF 0.10% 8,009 $425K Add +7.1%
FUTY Fidelity MSCI US Utilities 0.10% 8,128 $421K Add +2.5%
FCX Freeport-McMoran Inc. 0.10% 8,264 $413K Add +9.3%
INTC Intel Corp. 0.09% 17,222 $404K Reduce -11.8%
LOW Lowe's Cos Inc. 0.09% 1,490 $404K No change
GD General Dynamics Corp. 0.09% 1,282 $387K No change
B Barrick Gold Corp. 0.09% 19,360 $385K No change
XLE SS Energy Select Sector 0.09% 4,342 $381K No change
MDT Medtronic PLC 0.09% 4,109 $370K Reduce -3.0%
TXN Texas Instruments Inc. 0.08% 1,749 $361K No change
UPS United Parcel Service Class B 0.08% 2,612 $356K Add +30.8%
NKE Nike Inc. Class B 0.08% 3,918 $346K Add +15.5%
SO The Southern Co. 0.08% 3,840 $346K No change
EFG iShares MSCI Eafe Growth ETF 0.08% 3,152 $339K No change
NVO Novo-Nordisk A/S-Spons ADR 0.08% 2,750 $327K No change
ALL Allstate Corp. 0.08% 1,726 $327K Add +6.2%
O Realty Income Corp. 0.08% 5,136 $326K Add +28.1%
AXP American Express Co. 0.07% 1,155 $313K No change
PEG Public Service Enterprise GP 0.07% 3,400 $303K No change
IWM iShares Russell 2000 ETF 0.07% 1,345 $297K No change
KHC The Kraft Heinz Co. 0.07% 8,439 $296K New
BLK BlackRock Finance Inc. 0.07% 311 $295K No change
KMB Kimberly-Clark Corp. 0.07% 2,073 $295K No change
VEA Vanguard Ftse Developed ETF 0.07% 5,555 $293K No change
EQWL Invesco S&P 100 Equal Weight 0.07% 2,800 $286K No change
SLV iShares Silver Trust 0.07% 9,926 $282K No change
PAYX Paychex Inc. 0.06% 2,089 $280K No change
NVS Novartis AG-Sponsored ADR 0.06% 2,366 $272K Add +4.4%
KO The Coca-Cola Co. 0.06% 3,645 $262K No change
OEF iShares S&P 100 ETF 0.06% 936 $259K No change
FSTA Fidelity MSCI Cons Stap Indx 0.06% 5,028 $257K Add +0.6%
BSV Vanguard Short-Term Bond ETF 0.06% 3,251 $256K Reduce -13.7%
ROBT First Trust Nasdaq Artificia 0.06% 5,809 $254K No change
PYPL PayPal Holdings Inc. 0.06% 3,220 $251K New
VDE Vanguard Energy ETF 0.06% 2,000 $245K No change
SAP Sap SE-Sponsored ADR 0.06% 1,059 $243K No change
NEM Newmont Corp. 0.06% 4,521 $242K New
EME Emcor Group Inc. 0.06% 560 $241K No change
MUB iShares National Muni Bond E 0.06% 2,203 $239K Reduce -10.3%
COR Cencora Inc. 0.05% 1,048 $236K No change
EFA iShares MSCI Eafe ETF 0.05% 2,786 $233K No change
GE General Electric filed as GE AEROSPACE 0.05% 1,221 $230K New
GILD Gilead Sciences Inc. 0.05% 2,696 $226K New
DY Dycom Industries Inc. 0.05% 1,137 $224K New
IHI iShares U.S. Medical Devices 0.05% 3,762 $223K No change
JEPI JPMorgan Equity Premium Inco 0.05% 3,672 $219K No change
PULS Pgim Ultra Short Bond ETF 0.05% 4,387 $218K Reduce -70.1%
BOOT Boot Barn Holdings Inc. 0.05% 1,304 $218K New
CCI Crown Castle Inc. 0.05% 1,823 $216K New
DECK Deckers Outdoor Corp. 0.05% 1,350 $215K No change
TGT Target Corp. 0.05% 1,380 $215K Reduce -13.8%
AIQ Global X Art Intel & Tech 0.05% 5,731 $213K No change
VT Vanguard Tot World STK ETF 0.05% 1,760 $211K New
ALB Albemarle Corp. 0.05% 2,218 $210K Reduce -42.6%
ET Energy Transfer LP 0.05% 13,000 $209K No change
ED Consolidated Edison Inc. 0.05% 2,000 $208K New
XNCMX Nuveen Ca Amt-FR Muni Inc. 0.03% 10,000 $136K No change
NGL NGL Energy Partners LP 0.02% 22,800 $103K New

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

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