FLC Capital Advisors
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 16, 2025), FLC Capital Advisors reported 174 stock positions worth $434.5 million. Its top holding was Schwab US Large-Cap Growth (SCHG) at 7.6% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 6.7%) and Schwab Short-Term US Treas (SCHO, 6.5%). Compared with Q3 2024, it opened 13 new positions, sold out of 11, added to 49 and reduced 57. The biggest buy was Schwab US Large-Cap Growth (SCHG, shares +1%) and the biggest sale Merck (MRK, shares −3%).
- Most Recent 13F
- Q2 2026
- Location
- PALM DESERT, CA
- CIK
- 0001713697
- Portfolio Value
- $434.5M (Q4 2024)
- SEC Filing
- 0001085146-25-000282 ↗ filed Jan 16, 2025
Holdings Value
Holdings 174 stocks · $434.5M
| SCHG Schwab US Large-Cap Growth | 7.59% | 1,183,727 | $33.0M | Add +0.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 6.71% | 172,290 | $29.2M | Add +2.2% |
| SCHO Schwab Short-Term US Treas | 6.53% | 1,180,160 | $28.4M | Add +1.3% |
| SCHR Schwab Intermediate-Term US | 6.52% | 1,167,217 | $28.4M | Add +2.4% |
| SCHZ Schwab US Aggregate Bond ETF | 5.63% | 1,078,446 | $24.5M | Add +3.9% |
| AAPL Apple Inc. | 4.21% | 73,041 | $18.3M | Reduce -0.7% |
| SCHF Schwab Intl Equity ETF | 3.29% | 772,904 | $14.3M | Add +1.6% |
| VMBS Vanguard Mortgage-Backed Sec | 2.55% | 244,175 | $11.1M | Add +2.7% |
| IWF iShares Russell 1000 Growth | 2.50% | 27,018 | $10.8M | Reduce -0.8% |
| EMXC iShares MSCI Emr MRK Ex Chna | 2.02% | 157,963 | $8.8M | Add +2.9% |
| VCIT Vanguard Int-Term Corporate | 2.00% | 108,133 | $8.7M | Add +9.9% |
| MSFT Microsoft Corp. | 1.94% | 19,969 | $8.4M | Reduce -4.3% |
| DFAS Dimensional US Small Cap ETF | 1.88% | 125,193 | $8.1M | Add +4.2% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.85% | 30,419 | $8.0M | Add +1.4% |
| MRK Merck & Co. Inc. | 1.81% | 79,026 | $7.9M | Reduce -3.0% |
| CVX Chevron Corp. | 1.53% | 45,788 | $6.6M | Reduce -2.6% |
| AMZN Amazon.com Inc. | 1.45% | 28,668 | $6.3M | Reduce -2.9% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 1.40% | 27,740 | $6.1M | Reduce -0.6% |
| XAR SS SPDR S&P Aerospace Def | 1.39% | 36,378 | $6.0M | Add +0.0% |
| IVV iShares Core S&P 500 ETF | 1.36% | 10,003 | $5.9M | Reduce -5.0% |
| GOOGL Alphabet Inc. Class A | 1.24% | 28,429 | $5.4M | Reduce -4.7% |
| SCHD Schwab US DVD Equity ETF | 1.18% | 187,024 | $5.1M | Reduce -1.8% |
| SPHY SS SPDR P High Yield ETF | 1.07% | 198,202 | $4.7M | Add +6.2% |
| META Meta Platforms Inc. Class A | 1.07% | 7,914 | $4.6M | Reduce -2.8% |
| VWOB Vanguard Emerg MKTS Gov BND | 1.04% | 71,813 | $4.5M | Add +5.4% |
| XOM Exxon Mobil Corp. | 1.00% | 40,564 | $4.4M | Reduce -7.4% |
| GOOG Alphabet Inc. Class C | 1.00% | 22,863 | $4.4M | Reduce -6.7% |
| ENB Enbridge Inc. | 1.00% | 102,078 | $4.3M | Add +5.7% |
| JPM JPMorgan Chase & Co. | 0.90% | 16,276 | $3.9M | Reduce -14.4% |
| VIG Vanguard Dividend Apprec ETF | 0.85% | 18,783 | $3.7M | Reduce -16.0% |
| EPD Enterprise Products Partners | 0.85% | 117,160 | $3.7M | Add +4.7% |
| ESGU iShares ESG Aware MSCI USA | 0.81% | 27,187 | $3.5M | Reduce -6.9% |
| WMT Walmart Inc. | 0.79% | 37,871 | $3.4M | Reduce -0.0% |
| NVDA Nvidia Corp. | 0.76% | 24,537 | $3.3M | Reduce -6.9% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.67% | 6,375 | $2.9M | Reduce -2.0% |
| IJH iShares Core S&P Midcap ETF | 0.61% | 42,807 | $2.7M | Reduce -7.1% |
| SHV iShares 0-1 Year Treasury Bo | 0.52% | 20,699 | $2.3M | Reduce -6.5% |
| CAT Caterpillar Inc. | 0.52% | 6,267 | $2.3M | Reduce -14.1% |
| VTI VG Morningstar TS MKT ETF-US | 0.48% | 7,149 | $2.1M | Reduce -33.1% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.42% | 19,799 | $1.8M | Reduce -9.5% |
| VTEC Vanguard Ca Tax-Ex Bond | 0.41% | 17,754 | $1.8M | Add +1.0% |
| PM Philip Morris International | 0.40% | 14,597 | $1.8M | No change |
| SUB iShares Short-Term National | 0.39% | 16,074 | $1.7M | Add +3.4% |
| JNJ Johnson & Johnson | 0.38% | 11,513 | $1.7M | Reduce -2.6% |
| GLTR Abrdn Precious Metals Basket | 0.38% | 15,075 | $1.7M | No change |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.38% | 37,406 | $1.6M | Reduce -1.3% |
| TSM Taiwan Semiconductor-SP ADR | 0.35% | 7,611 | $1.5M | No change |
| PANW Palo Alto Networks Inc. | 0.34% | 8,070 | $1.5M | No change |
| NFLX Netflix Inc. | 0.32% | 1,547 | $1.4M | No change |
| QCOM Qualcomm Inc. | 0.32% | 8,948 | $1.4M | Reduce -18.3% |
| RTX RTX Corp. | 0.29% | 11,044 | $1.3M | Add +2.0% |
| PFE Pfizer Inc. | 0.29% | 47,611 | $1.3M | Add +22.8% |
| CSCO Cisco Systems Inc. | 0.28% | 20,915 | $1.2M | Reduce -1.6% |
| NEE Nextera Energy Inc. | 0.28% | 17,087 | $1.2M | Add +30.2% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.28% | 10,939 | $1.2M | Reduce -11.7% |
| TSLA Tesla Inc. | 0.28% | 2,959 | $1.2M | No change |
| COST Costco Wholesale Corp. | 0.27% | 1,284 | $1.2M | Reduce -0.7% |
| IJR iShares Core S&P Small-Cap E | 0.27% | 10,025 | $1.2M | Reduce -1.6% |
| ITA iShares U.S. Aerospace & Def | 0.26% | 7,862 | $1.1M | Reduce -11.3% |
| CRM Salesforce Inc. | 0.26% | 3,400 | $1.1M | No change |
| ARCC Ares Capital Corp. | 0.26% | 51,294 | $1.1M | Add +77.5% |
| UNH Unitedhealth Group Inc. | 0.25% | 2,155 | $1.1M | Add +25.6% |
| VOO Vanguard S&P 500 ETF | 0.24% | 1,905 | $1.0M | No change |
| CMI Cummins Inc. | 0.23% | 2,920 | $1.0M | No change |
| FTNT Fortinet Inc. | 0.22% | 10,305 | $974K | No change |
| PFFD Global X US Preferred ETF | 0.22% | 49,131 | $959K | Add +36.6% |
| SCHW Schwab (charles) Corp. | 0.22% | 12,817 | $949K | Reduce -4.2% |
| QUAL iShares MSCI USA Quality Fac | 0.22% | 5,303 | $944K | Add +6.5% |
| V Visa Inc. Class A | 0.21% | 2,924 | $924K | No change |
| FFWM First Foundation Inc. | 0.20% | 140,805 | $874K | Add +3.6% |
| ABBV Abbvie Inc. | 0.20% | 4,907 | $872K | Add +2.8% |
| VYM Vanguard High DVD Yield ETF | 0.20% | 6,806 | $868K | New |
| CMCSA Comcast Corp. Class A | 0.20% | 22,646 | $850K | Reduce -0.3% |
| ADBE Adobe Inc. | 0.19% | 1,897 | $844K | Add +27.1% |
| SBUX Starbucks Corp. | 0.19% | 9,049 | $826K | Add +0.6% |
| MA Mastercard Inc. Class A | 0.19% | 1,562 | $823K | Reduce -1.6% |
| LLY Eli Lilly & Co. | 0.18% | 1,034 | $798K | Reduce -8.4% |
| VZ Verizon Communications Inc. | 0.18% | 19,953 | $798K | Reduce -4.8% |
| STZ Constellation Brands Inc. Class A | 0.18% | 3,538 | $782K | No change |
| VYMI Vanguard Int High DVD YLD Inc. | 0.18% | 11,307 | $768K | New |
| AVGO Broadcom Inc. | 0.17% | 3,280 | $760K | No change |
| PG The Procter & Gamble Co. | 0.17% | 4,453 | $747K | Add +1.9% |
| MMM 3M Co. | 0.17% | 5,754 | $743K | No change |
| MO Altria Group Inc. | 0.17% | 14,044 | $734K | Reduce -2.5% |
| UBER Uber Technologies Inc. | 0.17% | 12,170 | $734K | Add +9.4% |
| GBCI Glacier Bancorp Inc. | 0.17% | 14,600 | $733K | Reduce -6.4% |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | 0.17% | 64,796 | $731K | Add +82.1% |
| UL Unilever PLC | 0.16% | 12,299 | $697K | Reduce -3.6% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.16% | 13,805 | $692K | Add +8.0% |
| TFC Truist Financial Corp. | 0.16% | 15,849 | $688K | No change |
| HD Home Depot Inc. | 0.15% | 1,687 | $656K | Add +0.1% |
| T AT&T Inc. | 0.14% | 27,169 | $619K | No change |
| SPYD SS SPDR P S&P 500 Hi Div ETF | 0.14% | 14,232 | $615K | New |
| XLV SS Health Care Select Sector | 0.14% | 4,345 | $598K | Add +8.7% |
| FDX FedEx Corp. | 0.14% | 2,122 | $597K | No change |
| PEP Pepsico Inc. | 0.14% | 3,902 | $593K | Reduce -28.1% |
| EIX Edison International | 0.14% | 7,404 | $591K | No change |
| KMI Kinder Morgan Inc. | 0.13% | 20,999 | $575K | No change |
| KHC The Kraft Heinz Co. | 0.13% | 18,653 | $573K | Add +121.0% |
| VLY Valley National Bancorp | 0.13% | 62,003 | $562K | No change |
Portfolio Sells Q3 2024 → Q4 2024
| MRK Merck & Co. Inc. | Reduce -3.0% | 1.81% | −0.33 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -33.1% | 0.48% | −0.22 |
| XOM Exxon Mobil Corp. | Reduce -7.4% | 1.00% | −0.18 |
| VIG Vanguard Dividend Apprec ETF | Reduce -16.0% | 0.85% | −0.18 |
| CAT Caterpillar Inc. | Reduce -14.1% | 0.52% | −0.14 |
| MSFT Microsoft Corp. | Reduce -4.3% | 1.94% | −0.13 |
| QCOM Qualcomm Inc. | Reduce -18.3% | 0.32% | −0.11 |
| B Barrick Gold Corp. | Sold out | 0.00% | −0.09 |
| PEP Pepsico Inc. | Reduce -28.1% | 0.14% | −0.08 |
| CVX Chevron Corp. | Reduce -2.6% | 1.53% | −0.07 |
| SCHD Schwab US DVD Equity ETF | Reduce -1.8% | 1.18% | −0.06 |
| JNJ Johnson & Johnson | Reduce -2.6% | 0.38% | −0.06 |
| ROBT First Trust Nasdaq Artificia | Sold out | 0.00% | −0.06 |
| NEM Newmont Corp. | Sold out | 0.00% | −0.06 |
| DY Dycom Industries Inc. | Sold out | 0.00% | −0.05 |
| IHI iShares U.S. Medical Devices | Sold out | 0.00% | −0.05 |
| PULS Pgim Ultra Short Bond ETF | Sold out | 0.00% | −0.05 |
| BOOT Boot Barn Holdings Inc. | Sold out | 0.00% | −0.05 |
| CCI Crown Castle Inc. | Sold out | 0.00% | −0.05 |
| TGT Target Corp. | Sold out | 0.00% | −0.05 |
| IJH iShares Core S&P Midcap ETF | Reduce -7.1% | 0.61% | −0.05 |
| ALB Albemarle Corp. | Sold out | 0.00% | −0.05 |
| ED Consolidated Edison Inc. | Sold out | 0.00% | −0.05 |
| LLY Eli Lilly & Co. | Reduce -8.4% | 0.18% | −0.05 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -9.5% | 0.42% | −0.05 |
| IVV iShares Core S&P 500 ETF | Reduce -5.0% | 1.36% | −0.05 |
| ESGU iShares ESG Aware MSCI USA | Reduce -6.9% | 0.81% | −0.04 |
| ITA iShares U.S. Aerospace & Def | Reduce -11.3% | 0.26% | −0.04 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -6.5% | 0.52% | −0.04 |
| INTC Intel Corp. | Reduce -29.4% | 0.06% | −0.04 |
| VZ Verizon Communications Inc. | Reduce -4.8% | 0.18% | −0.03 |
| AHR American Healthcare REIT Inc. | Reduce -31.5% | 0.09% | −0.03 |
| UL Unilever PLC | Reduce -3.6% | 0.16% | −0.03 |
| LMT Lockheed Martin Corp. | Reduce -4.4% | 0.11% | −0.03 |
| WPC WP Carey Inc. | Reduce -12.6% | 0.09% | −0.03 |
| JPM JPMorgan Chase & Co. | Reduce -14.4% | 0.90% | −0.03 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -2.0% | 0.67% | −0.03 |
| DUK Duke Energy Corp. | Reduce -15.4% | 0.09% | −0.02 |
| CMCSA Comcast Corp. Class A | Reduce -0.3% | 0.20% | −0.02 |
| IBM Intl Business Machines Corp. | Reduce -0.6% | 1.40% | −0.02 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -15.3% | 0.06% | −0.02 |
| KO The Coca-Cola Co. | Reduce -11.0% | 0.05% | −0.01 |
| LOW Lowe's Cos Inc. | Reduce -2.0% | 0.08% | −0.01 |
| META Meta Platforms Inc. Class A | Reduce -2.8% | 1.07% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.6% | 0.27% | −0.01 |
| UPS United Parcel Service Class B | Reduce -1.5% | 0.07% | −0.01 |
| SCHA Schwab US Small-Cap ETF | Reduce -7.5% | 0.09% | −0.01 |
| MUB iShares National Muni Bond E | Reduce -5.4% | 0.05% | −0.00 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -5.0% | 0.10% | −0.00 |
| BSV Vanguard Short-Term Bond ETF | Reduce -2.0% | 0.06% | −0.00 |
Portfolio Buys Q3 2024 → Q4 2024
| SCHG Schwab US Large-Cap Growth | Add +0.8% | 7.59% | +0.53 |
| VYM Vanguard High DVD Yield ETF | New | 0.20% | +0.20 |
| VYMI Vanguard Int High DVD YLD Inc. | New | 0.18% | +0.18 |
| SPYD SS SPDR P S&P 500 Hi Div ETF | New | 0.14% | +0.14 |
| ARCC Ares Capital Corp. | Add +77.5% | 0.26% | +0.12 |
| VCIT Vanguard Int-Term Corporate | Add +9.9% | 2.00% | +0.10 |
| EPD Enterprise Products Partners | Add +4.7% | 0.85% | +0.09 |
| ENB Enbridge Inc. | Add +5.7% | 1.00% | +0.09 |
| DFAS Dimensional US Small Cap ETF | Add +4.2% | 1.88% | +0.08 |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | Add +82.1% | 0.17% | +0.07 |
| XAR SS SPDR S&P Aerospace Def | Add +0.0% | 1.39% | +0.07 |
| GSK GSK PLC-Spon ADR | New | 0.06% | +0.06 |
| KHC The Kraft Heinz Co. | Add +121.0% | 0.13% | +0.06 |
| BABA Alibaba Group Holding-SP ADR | New | 0.06% | +0.06 |
| FSK FS KKR Capital Corp. | New | 0.05% | +0.05 |
| HRL Hormel Foods Corp. | New | 0.05% | +0.05 |
| FTSL First Trust Senior Loan ETF | New | 0.05% | +0.05 |
| PFFD Global X US Preferred ETF | Add +36.6% | 0.22% | +0.05 |
| WFC Wells Fargo & Co. | New | 0.05% | +0.05 |
| XLI SS Industrial Select Sector | New | 0.05% | +0.05 |
| JD Jd.com Inc.-ADR | New | 0.05% | +0.05 |
| PDI PIMCO Dynamic Income Fund | New | 0.04% | +0.04 |
| ET Energy Transfer LP | Add +46.1% | 0.09% | +0.04 |
| SPHY SS SPDR P High Yield ETF | Add +6.2% | 1.07% | +0.04 |
| AIQ Global X Art Intel & Tech | Add +60.6% | 0.08% | +0.03 |
| PFE Pfizer Inc. | Add +22.8% | 0.29% | +0.03 |
| NEE Nextera Energy Inc. | Add +30.2% | 0.28% | +0.03 |
| SLV iShares Silver Trust | Add +51.1% | 0.09% | +0.03 |
| ETJ Eaton Vance RSK-MGD Divers | New | 0.02% | +0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +1.4% | 1.85% | +0.02 |
| HYD Vaneck High Yield Muni ETF | Add +25.6% | 0.12% | +0.02 |
| XNCMX Nuveen Ca Amt-FR Muni Inc. | Add +78.5% | 0.05% | +0.02 |
| UNH Unitedhealth Group Inc. | Add +25.6% | 0.25% | +0.02 |
| ADBE Adobe Inc. | Add +27.1% | 0.19% | +0.02 |
| QUAL iShares MSCI USA Quality Fac | Add +6.5% | 0.22% | +0.01 |
| PFFV Global X Variable Rate Pref | Add +12.0% | 0.12% | +0.01 |
| SUB iShares Short-Term National | Add +3.4% | 0.39% | +0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +8.0% | 0.16% | +0.01 |
| O Realty Income Corp. | Add +31.3% | 0.08% | +0.01 |
| FFWM First Foundation Inc. | Add +3.6% | 0.20% | +0.01 |
| XLE SS Energy Select Sector | Add +8.8% | 0.09% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +0.1% | 0.10% | +0.00 |
| IWM iShares Russell 2000 ETF | Add +1.3% | 0.07% | +0.00 |
| VWOB Vanguard Emerg MKTS Gov BND | Add +5.4% | 1.04% | +0.00 |
| KMB Kimberly-Clark Corp. | Add +4.8% | 0.07% | −0.00 |
| PG The Procter & Gamble Co. | Add +1.9% | 0.17% | −0.00 |
| XLV SS Health Care Select Sector | Add +8.7% | 0.14% | −0.00 |
| VTEC Vanguard Ca Tax-Ex Bond | Add +1.0% | 0.41% | −0.00 |
| NVS Novartis AG-Sponsored ADR | Add +9.3% | 0.06% | −0.00 |
| HD Home Depot Inc. | Add +0.1% | 0.15% | −0.01 |
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 |