FLC Capital Advisors

In its 13F for Q1 2025 (holdings as of March 31, 2025, filed May 5, 2025), FLC Capital Advisors reported 184 stock positions worth $445.7 million. Its top holding was Vanguard Mrngstr Val ETF-Aui (VTV) at 6.9% of the portfolio, followed by Schwab Intermediate-Term US (SCHR, 6.9%) and Schwab US Large-Cap Growth (SCHG, 6.7%). Compared with Q4 2024, it opened 14 new positions, sold out of 4, added to 68 and reduced 31. The biggest buy was Schwab Intermediate-Term US (SCHR, shares +6%) and the biggest sale iShares Russell 1000 Growth (IWF, shares −4%).

Most Recent 13F
Q2 2026
Location
PALM DESERT, CA
CIK
0001713697
Portfolio Value
$445.7M (Q1 2025)
SEC Filing
0001085146-25-002579 ↗ filed May 5, 2025

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 Q3 2024 Q4 2024: $434.5M Q4 2024 Q1 2025: $445.7M $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 184 stocks · $445.7M
VTV Vanguard Mrngstr Val ETF-Aui 6.94% 179,019 $30.9M Add +3.9%
SCHR Schwab Intermediate-Term US 6.91% 1,239,238 $30.8M Add +6.2%
SCHG Schwab US Large-Cap Growth 6.74% 1,200,148 $30.1M Add +1.4%
SCHO Schwab Short-Term US Treas 6.66% 1,220,212 $29.7M Add +3.4%
SCHZ Schwab US Aggregate Bond ETF 5.89% 1,134,534 $26.3M Add +5.2%
AAPL Apple Inc. 4.01% 80,491 $17.9M Add +10.2%
SCHF Schwab Intl Equity ETF 3.57% 805,076 $15.9M Add +4.2%
VMBS Vanguard Mortgage-Backed Sec 2.69% 259,099 $12.0M Add +6.1%
IWF iShares Russell 1000 Growth 2.11% 26,010 $9.4M Reduce -3.7%
VCIT Vanguard Int-Term Corporate 2.10% 114,374 $9.4M Add +5.8%
EMXC iShares MSCI Emr MRK Ex Chna 2.01% 162,815 $9.0M Add +3.1%
VO Vngrd Mrngstr MD-Cap ETF-Usd 1.81% 31,271 $8.1M Add +2.8%
CVX Chevron Corp. 1.72% 45,903 $7.7M Add +0.3%
DFAS Dimensional US Small Cap ETF 1.71% 127,211 $7.6M Add +1.6%
MSFT Microsoft Corp. 1.67% 19,800 $7.4M Reduce -0.8%
MRK Merck & Co. Inc. 1.60% 79,606 $7.1M Add +0.7%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 1.55% 27,793 $6.9M Add +0.2%
XAR SS SPDR S&P Aerospace Def 1.32% 36,713 $5.9M Add +0.9%
IVV iShares Core S&P 500 ETF 1.23% 9,789 $5.5M Reduce -2.1%
AMZN Amazon.com Inc. 1.22% 28,596 $5.4M Reduce -0.3%
SCHD Schwab US DVD Equity ETF 1.13% 179,469 $5.0M Reduce -4.0%
VWOB Vanguard Emerg MKTS Gov BND 1.10% 76,276 $4.9M Add +6.2%
XOM Exxon Mobil Corp. 1.10% 41,094 $4.9M Add +1.3%
SPHY SS SPDR P High Yield ETF 1.07% 203,231 $4.8M Add +2.5%
META Meta Platforms Inc. Class A 1.04% 8,036 $4.6M Add +1.5%
ENB Enbridge Inc. 1.01% 102,028 $4.5M Reduce -0.1%
GOOGL Alphabet Inc. Class A 1.01% 29,229 $4.5M Add +2.8%
EPD Enterprise Products Partners 0.91% 118,720 $4.1M Add +1.3%
JPM JPMorgan Chase & Co. 0.90% 16,424 $4.0M Add +0.9%
BRK.B Berkshire Hathaway Inc. Class B 0.84% 7,060 $3.8M Add +10.8%
VIG Vanguard Dividend Apprec ETF 0.82% 18,783 $3.6M No change
GOOG Alphabet Inc. Class C 0.79% 22,416 $3.5M Reduce -2.0%
WMT Walmart Inc. 0.72% 36,810 $3.2M Reduce -2.8%
ESGU iShares ESG Aware MSCI USA 0.72% 26,309 $3.2M Reduce -3.2%
NVDA Nvidia Corp. 0.69% 28,408 $3.1M Add +15.8%
IJH iShares Core S&P Midcap ETF 0.60% 45,530 $2.7M Add +6.4%
SHV iShares 0-1 Year Treasury Bo 0.55% 22,254 $2.5M Add +7.5%
PM Philip Morris International 0.53% 14,937 $2.4M Add +2.3%
VTEC Vanguard Ca Tax-Ex Bond 0.46% 20,821 $2.0M Add +17.3%
CAT Caterpillar Inc. 0.45% 6,136 $2.0M Reduce -2.1%
VTI VG Morningstar TS MKT ETF-US 0.44% 7,149 $2.0M No change
JNJ Johnson & Johnson 0.44% 11,787 $2.0M Add +2.4%
BIL SS SPDR BB 1-3M T-Bill ETF 0.43% 20,944 $1.9M Add +5.8%
SUB iShares Short-Term National 0.42% 17,545 $1.9M Add +9.2%
NEE Nextera Energy Inc. 0.39% 24,377 $1.7M Add +42.7%
GLTR Abrdn Precious Metals Basket 0.38% 13,169 $1.7M Reduce -12.6%
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.34% 36,407 $1.5M Reduce -2.7%
RTX RTX Corp. 0.34% 11,400 $1.5M Add +3.2%
PFE Pfizer Inc. 0.33% 58,490 $1.5M Add +22.9%
NFLX Netflix Inc. 0.32% 1,547 $1.4M No change
PANW Palo Alto Networks Inc. 0.31% 8,175 $1.4M Add +1.3%
COST Costco Wholesale Corp. 0.31% 1,460 $1.4M Add +13.7%
QCOM Qualcomm Inc. 0.31% 8,948 $1.4M No change
ARCC Ares Capital Corp. 0.30% 60,566 $1.3M Add +18.1%
CSCO Cisco Systems Inc. 0.29% 21,271 $1.3M Add +1.7%
TSM Taiwan Semiconductor-SP ADR 0.28% 7,611 $1.3M No change
ITA iShares U.S. Aerospace & Def 0.27% 7,862 $1.2M No change
IJR iShares Core S&P Small-Cap E 0.26% 11,115 $1.2M Add +10.9%
ABBV Abbvie Inc. 0.24% 5,189 $1.1M Add +5.8%
UNH Unitedhealth Group Inc. 0.24% 2,073 $1.1M Reduce -3.8%
VOO Vanguard S&P 500 ETF 0.23% 2,019 $1.0M Add +6.0%
V Visa Inc. Class A 0.23% 2,900 $1.0M Reduce -0.8%
SCHW Schwab (charles) Corp. 0.23% 12,817 $1.0M No change
CRM Salesforce Inc. 0.22% 3,700 $993K Add +8.8%
FTNT Fortinet Inc. 0.22% 10,305 $992K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.22% 10,016 $989K Reduce -8.4%
PFFD Global X US Preferred ETF 0.21% 49,181 $936K Add +0.1%
CMCSA Comcast Corp. Class A 0.21% 25,184 $929K Add +11.2%
SBUX Starbucks Corp. 0.21% 9,446 $927K Add +4.4%
CMI Cummins Inc. 0.21% 2,920 $915K No change
MA Mastercard Inc. Class A 0.20% 1,645 $902K Add +5.3%
UBER Uber Technologies Inc. 0.20% 12,170 $887K No change
VZ Verizon Communications Inc. 0.20% 19,533 $886K Reduce -2.1%
MMM 3M Co. 0.20% 5,979 $878K Add +3.9%
ADBE Adobe Inc. 0.19% 2,248 $862K Add +18.5%
VYMI Vanguard Int High DVD YLD Inc. 0.19% 11,657 $859K Add +3.1%
QUAL iShares MSCI USA Quality Fac 0.19% 4,977 $851K Reduce -6.2%
MO Altria Group Inc. 0.19% 14,044 $843K No change
LLY Eli Lilly & Co. 0.19% 1,020 $842K Reduce -1.4%
KHC The Kraft Heinz Co. 0.18% 26,295 $800K Add +41.0%
BRK.A Berkshire Hathaway Inc. Class A 0.18% 1 $798K New
XNEAX Nuveen Amt-FR QLTY Muni Inc. 0.18% 70,446 $789K Add +8.7%
T AT&T Inc. 0.17% 27,572 $780K Add +1.5%
TSLA Tesla Inc. 0.17% 2,995 $776K Add +1.2%
STZ Constellation Brands Inc. Class A 0.17% 4,129 $758K Add +16.7%
PG The Procter & Gamble Co. 0.17% 4,390 $748K Reduce -1.4%
UL Unilever PLC 0.16% 12,299 $732K No change
FFWM First Foundation Inc. 0.16% 140,805 $731K No change
VYM Vanguard High DVD Yield ETF 0.15% 5,167 $666K Reduce -24.1%
TFC Truist Financial Corp. 0.15% 15,849 $652K No change
AMGN Amgen Inc. 0.15% 2,086 $650K No change
GBCI Glacier Bancorp Inc. 0.14% 14,600 $646K No change
HD Home Depot Inc. 0.14% 1,752 $642K Add +3.9%
ABT Abbott Laboratories 0.14% 4,783 $634K Add +20.1%
XLV SS Health Care Select Sector 0.14% 4,345 $634K No change
VTEB Vanguard Tax-Exempt Bond ETF 0.14% 12,713 $631K Reduce -7.9%
SPYD SS SPDR P S&P 500 Hi Div ETF 0.14% 14,232 $630K No change
HYD Vaneck High Yield Muni ETF 0.14% 11,754 $602K Add +16.8%
KMI Kinder Morgan Inc. 0.13% 20,999 $599K No change
VBIL Vanguard 0-3M T-Bill ETF 0.13% 7,562 $570K New

Show all 184 holdings

Portfolio Sells Q4 2024 → Q1 2025
IWF iShares Russell 1000 Growth Reduce -3.7% 2.11% −0.39
MSFT Microsoft Corp. Reduce -0.8% 1.67% −0.27
AMZN Amazon.com Inc. Reduce -0.3% 1.22% −0.23
GOOG Alphabet Inc. Class C Reduce -2.0% 0.79% −0.22
IVV iShares Core S&P 500 ETF Reduce -2.1% 1.23% −0.12
ESGU iShares ESG Aware MSCI USA Reduce -3.2% 0.72% −0.09
AIQ Global X Art Intel & Tech Sold out 0.00% −0.08
CAT Caterpillar Inc. Reduce -2.1% 0.45% −0.07
DECK Deckers Outdoor Corp. Sold out 0.00% −0.06
WMT Walmart Inc. Reduce -2.8% 0.72% −0.06
DIS The Walt Disney Co. Reduce -8.4% 0.22% −0.06
NVO Novo-Nordisk A/S-Spons ADR Sold out 0.00% −0.05
VYM Vanguard High DVD Yield ETF Reduce -24.1% 0.15% −0.05
SCHD Schwab US DVD Equity ETF Reduce -4.0% 1.13% −0.05
HRL Hormel Foods Corp. Sold out 0.00% −0.05
EIX Edison International Reduce -9.6% 0.09% −0.05
BAC Bank of America Corp. Reduce -2.7% 0.34% −0.04
QUAL iShares MSCI USA Quality Fac Reduce -6.2% 0.19% −0.03
VTEB Vanguard Tax-Exempt Bond ETF Reduce -7.9% 0.14% −0.02
AHR American Healthcare REIT Inc. Reduce -21.0% 0.08% −0.02
PEP Pepsico Inc. Reduce -3.8% 0.13% −0.01
SPYM Ste STR SPDR PT S&P 500 ETF Reduce -2.7% 0.09% −0.01
IWM iShares Russell 2000 ETF Reduce -2.0% 0.06% −0.01
BLK BlackRock Inc. Reduce -2.6% 0.06% −0.01
XLE SS Energy Select Sector Reduce -13.9% 0.09% −0.01
UNH Unitedhealth Group Inc. Reduce -3.8% 0.24% −0.01
FCX Freeport-McMoran Inc. Reduce -3.2% 0.08% −0.01
PG The Procter & Gamble Co. Reduce -1.4% 0.17% −0.00
GLTR Abrdn Precious Metals Basket Reduce -12.6% 0.38% +0.00
INTC Intel Corp. Reduce -2.8% 0.06% +0.00
LLY Eli Lilly & Co. Reduce -1.4% 0.19% +0.01
VZ Verizon Communications Inc. Reduce -2.1% 0.20% +0.02
V Visa Inc. Class A Reduce -0.8% 0.23% +0.02
ENB Enbridge Inc. Reduce -0.1% 1.01% +0.02
BABA Alibaba Group Holding-SP ADR Reduce -3.5% 0.09% +0.03

Portfolio Buys Q4 2024 → Q1 2025
SCHR Schwab Intermediate-Term US Add +6.2% 6.91% +0.39
SCHF Schwab Intl Equity ETF Add +4.2% 3.57% +0.28
SCHZ Schwab US Aggregate Bond ETF Add +5.2% 5.89% +0.26
VTV Vanguard Mrngstr Val ETF-Aui Add +3.9% 6.94% +0.22
CVX Chevron Corp. Add +0.3% 1.72% +0.20
BRK.A Berkshire Hathaway Inc. Class A New 0.18% +0.18
BRK.B Berkshire Hathaway Inc. Class B Add +10.8% 0.84% +0.18
IBM Intl Business Machines Corp. Add +0.2% 1.55% +0.15
VMBS Vanguard Mortgage-Backed Sec Add +6.1% 2.69% +0.14
SCHO Schwab Short-Term US Treas Add +3.4% 6.66% +0.13
VBIL Vanguard 0-3M T-Bill ETF New 0.13% +0.13
PM Philip Morris International Add +2.3% 0.53% +0.13
NEE Nextera Energy Inc. Add +42.7% 0.39% +0.11
BXSL Blackstone Secured Lending F New 0.10% +0.10
VCIT Vanguard Int-Term Corporate Add +5.8% 2.10% +0.10
B Barrick Gold Corp. New 0.10% +0.10
XOM Exxon Mobil Corp. Add +1.3% 1.10% +0.09
VUG Vanguard Mrngstar GR ETF-Sui New 0.08% +0.08
EPD Enterprise Products Partners Add +1.3% 0.91% +0.06
FSK FS KKR Capital Corp. Add +130.9% 0.11% +0.06
AEP American Electric Power New 0.06% +0.06
SPY SS SPDR S&P 500 ETF Trust-US New 0.06% +0.06
JNJ Johnson & Johnson Add +2.4% 0.44% +0.06
VWOB Vanguard Emerg MKTS Gov BND Add +6.2% 1.10% +0.05
LIN Linde PLC New 0.05% +0.05
VTEC Vanguard Ca Tax-Ex Bond Add +17.3% 0.46% +0.05
MCK McKesson Corp. New 0.05% +0.05
ED Consolidated Edison Inc. New 0.05% +0.05
CALI Ishrs SH-TRM Ca Muni Act ETF New 0.05% +0.05
KHC The Kraft Heinz Co. Add +41.0% 0.18% +0.05
C Citigroup Inc. New 0.05% +0.05
IHI iShares U.S. Medical Devices New 0.05% +0.05
SHEL Shell PLC-ADR New 0.04% +0.04
RTX RTX Corp. Add +3.2% 0.34% +0.04
ABBV Abbvie Inc. Add +5.8% 0.24% +0.04
ARCC Ares Capital Corp. Add +18.1% 0.30% +0.04
PFE Pfizer Inc. Add +22.9% 0.33% +0.04
COST Costco Wholesale Corp. Add +13.7% 0.31% +0.04
ABT Abbott Laboratories Add +20.1% 0.14% +0.04
T AT&T Inc. Add +1.5% 0.17% +0.03
SHV iShares 0-1 Year Treasury Bo Add +7.5% 0.55% +0.03
MMM 3M Co. Add +3.9% 0.20% +0.03
SUB iShares Short-Term National Add +9.2% 0.42% +0.03
WPC WP Carey Inc. Add +6.7% 0.11% +0.02
SBUX Starbucks Corp. Add +4.4% 0.21% +0.02
VYMI Vanguard Int High DVD YLD Inc. Add +3.1% 0.19% +0.02
MDT Medtronic PLC Add +9.7% 0.09% +0.02
HYD Vaneck High Yield Muni ETF Add +16.8% 0.14% +0.01
CB Chubb Ltd. Add +7.5% 0.12% +0.01
BIL SS SPDR BB 1-3M T-Bill ETF Add +5.8% 0.43% +0.01

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