FLC Capital Advisors
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 29, 2025), FLC Capital Advisors reported 201 stock positions worth $483.6 million. Its top holding was Schwab Short-Term US Treas (SCHO) at 7.3% of the portfolio, followed by Schwab Intermediate-Term US (SCHR, 7.3%) and Vanguard Mrngstr Val ETF-Aui (VTV, 6.7%). Compared with Q1 2025, it opened 29 new positions, sold out of 12, added to 80 and reduced 48. The biggest buy was a new position in SS SPDR PF LNG TRM TSY E-Usd (SPTL) and the biggest sale Schwab US Aggregate Bond ETF (SCHZ, shares −98%).
- Most Recent 13F
- Q2 2026
- Location
- PALM DESERT, CA
- CIK
- 0001713697
- Portfolio Value
- $483.6M (Q2 2025)
- SEC Filing
- 0001085146-25-004263 ↗ filed Jul 29, 2025
Holdings Value
Holdings 201 stocks · $483.6M
| SCHO Schwab Short-Term US Treas | 7.33% | 1,454,813 | $35.5M | Add +19.2% |
| SCHR Schwab Intermediate-Term US | 7.30% | 1,410,832 | $35.3M | Add +13.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 6.72% | 183,799 | $32.5M | Add +2.7% |
| SCHG Schwab US Large-Cap Growth | 6.65% | 1,100,864 | $32.2M | Reduce -8.3% |
| SCHF Schwab Intl Equity ETF | 3.67% | 803,443 | $17.8M | Reduce -0.2% |
| AAPL Apple Inc. | 3.34% | 78,709 | $16.1M | Reduce -2.2% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 3.10% | 564,587 | $15.0M | New |
| VMBS Vanguard Mortgage-Backed Sec | 2.42% | 252,687 | $11.7M | Reduce -2.5% |
| VCIT Vanguard Int-Term Corporate | 2.37% | 138,164 | $11.5M | Add +20.8% |
| EMXC iShares MSCI Emr MRK Ex Chna | 2.14% | 163,734 | $10.3M | Add +0.6% |
| IWF iShares Russell 1000 Growth | 2.14% | 24,346 | $10.3M | Reduce -6.4% |
| MSFT Microsoft Corp. | 2.08% | 20,241 | $10.1M | Add +2.2% |
| BWX SS SPDR BB Intl Treasury BD | 1.91% | 392,651 | $9.2M | New |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.91% | 32,938 | $9.2M | Add +5.3% |
| DFAS Dimensional US Small Cap ETF | 1.84% | 139,919 | $8.9M | Add +10.0% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 1.66% | 27,219 | $8.0M | Reduce -2.1% |
| XAR SS SPDR S&P Aerospace Def | 1.58% | 36,248 | $7.6M | Reduce -1.3% |
| CVX Chevron Corp. | 1.40% | 47,252 | $6.8M | Add +2.9% |
| MRK Merck & Co. Inc. | 1.38% | 84,529 | $6.7M | Add +6.2% |
| AMZN Amazon.com Inc. | 1.30% | 28,606 | $6.3M | Add +0.0% |
| META Meta Platforms Inc. Class A | 1.24% | 8,129 | $6.0M | Add +1.2% |
| IVV iShares Core S&P 500 ETF | 1.21% | 9,422 | $5.9M | Reduce -3.8% |
| NVDA Nvidia Corp. | 1.12% | 34,193 | $5.4M | Add +20.4% |
| GOOGL Alphabet Inc. Class A | 1.02% | 28,019 | $4.9M | Reduce -4.1% |
| JPM JPMorgan Chase & Co. | 0.96% | 15,957 | $4.6M | Reduce -2.8% |
| SCHD Schwab US DVD Equity ETF | 0.96% | 174,343 | $4.6M | Reduce -2.9% |
| XOM Exxon Mobil Corp. | 0.92% | 41,444 | $4.5M | Add +0.8% |
| ENB Enbridge Inc. | 0.92% | 98,378 | $4.5M | Reduce -3.6% |
| GOOG Alphabet Inc. Class C | 0.83% | 22,695 | $4.0M | Add +1.2% |
| XLRE SS Real Estate Select Sector | 0.80% | 93,856 | $3.9M | New |
| VIG Vanguard Dividend Apprec ETF | 0.79% | 18,783 | $3.8M | No change |
| BSV Vanguard Short-Term Bond ETF | 0.74% | 45,753 | $3.6M | Add +1335.6% |
| EPD Enterprise Products Partners | 0.74% | 114,920 | $3.6M | Reduce -3.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.74% | 7,320 | $3.6M | Add +3.7% |
| WMT Walmart Inc. | 0.71% | 34,909 | $3.4M | Reduce -5.2% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.70% | 44,909 | $3.4M | Add +493.9% |
| ESGU iShares ESG Aware MSCI USA | 0.68% | 24,452 | $3.3M | Reduce -7.1% |
| PM Philip Morris International | 0.55% | 14,530 | $2.6M | Reduce -2.7% |
| IJH iShares Core S&P Midcap ETF | 0.53% | 41,193 | $2.6M | Reduce -9.5% |
| CAT Caterpillar Inc. | 0.49% | 6,126 | $2.4M | Reduce -0.2% |
| VTI VG Morningstar TS MKT ETF-US | 0.45% | 7,149 | $2.2M | No change |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.44% | 45,343 | $2.1M | Add +24.5% |
| JNJ Johnson & Johnson | 0.43% | 13,769 | $2.1M | Add +16.8% |
| NFLX Netflix Inc. | 0.43% | 1,548 | $2.1M | Add +0.1% |
| VTEC Vanguard Ca Tax-Ex Bond | 0.41% | 20,258 | $2.0M | Reduce -2.7% |
| SUB iShares Short-Term National | 0.40% | 18,399 | $2.0M | Add +4.9% |
| GLTR Abrdn Precious Metals Basket | 0.38% | 13,169 | $1.8M | No change |
| TSM Taiwan Semiconductor-SP ADR | 0.36% | 7,611 | $1.7M | No change |
| PANW Palo Alto Networks Inc. | 0.35% | 8,177 | $1.7M | Add +0.0% |
| COST Costco Wholesale Corp. | 0.34% | 1,669 | $1.7M | Add +14.3% |
| NEE Nextera Energy Inc. | 0.34% | 23,583 | $1.6M | Reduce -3.3% |
| CRM Salesforce Inc. | 0.32% | 5,723 | $1.6M | Add +54.7% |
| RTX RTX Corp. | 0.32% | 10,532 | $1.5M | Reduce -7.6% |
| ITA iShares U.S. Aerospace & Def | 0.31% | 7,862 | $1.5M | No change |
| QCOM Qualcomm Inc. | 0.29% | 8,948 | $1.4M | No change |
| PFE Pfizer Inc. | 0.29% | 57,692 | $1.4M | Reduce -1.4% |
| UPS United Parcel Service Class B | 0.29% | 13,817 | $1.4M | Add +379.4% |
| CSCO Cisco Systems Inc. | 0.28% | 19,236 | $1.3M | Reduce -9.6% |
| SCHW Schwab (charles) Corp. | 0.26% | 13,573 | $1.2M | Add +5.9% |
| VOO Vanguard S&P 500 ETF | 0.25% | 2,145 | $1.2M | Add +6.2% |
| IJR iShares Core S&P Small-Cap E | 0.25% | 11,091 | $1.2M | Reduce -0.2% |
| ARCC Ares Capital Corp. | 0.24% | 53,620 | $1.2M | Reduce -11.5% |
| UBER Uber Technologies Inc. | 0.23% | 12,174 | $1.1M | Add +0.0% |
| FTNT Fortinet Inc. | 0.23% | 10,305 | $1.1M | No change |
| ABBV Abbvie Inc. | 0.22% | 5,613 | $1.0M | Add +8.2% |
| V Visa Inc. Class A | 0.21% | 2,900 | $1.0M | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.20% | 7,886 | $978K | Reduce -21.3% |
| CMI Cummins Inc. | 0.20% | 2,920 | $956K | No change |
| TSLA Tesla Inc. | 0.20% | 3,004 | $954K | Add +0.3% |
| SBUX Starbucks Corp. | 0.20% | 10,351 | $948K | Add +9.6% |
| MMM 3M Co. | 0.19% | 6,150 | $936K | Add +2.9% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.19% | 11,657 | $934K | No change |
| QUAL iShares MSCI USA Quality Fac | 0.19% | 4,977 | $910K | No change |
| AVGO Broadcom Inc. | 0.19% | 3,286 | $906K | Add +0.2% |
| MA Mastercard Inc. Class A | 0.18% | 1,565 | $879K | Reduce -4.9% |
| LLY Eli Lilly & Co. | 0.18% | 1,111 | $866K | Add +8.9% |
| VZ Verizon Communications Inc. | 0.18% | 19,800 | $857K | Add +1.4% |
| GD General Dynamics Corp. | 0.17% | 2,894 | $844K | Add +125.7% |
| MO Altria Group Inc. | 0.17% | 14,052 | $824K | Add +0.1% |
| T AT&T Inc. | 0.17% | 27,591 | $798K | Add +0.1% |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | 0.16% | 70,446 | $769K | No change |
| TGT Target Corp. | 0.16% | 7,695 | $759K | New |
| FFWM First Foundation Inc. | 0.16% | 148,171 | $756K | Add +5.2% |
| ADBE Adobe Inc. | 0.15% | 1,935 | $749K | Reduce -13.9% |
| STZ Constellation Brands Inc. Class A | 0.15% | 4,593 | $747K | Add +11.2% |
| VEA Vanguard Ftse Developed ETF | 0.15% | 13,027 | $743K | Add +134.5% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.15% | 1 | $729K | No change |
| UL Unilever PLC | 0.15% | 11,873 | $726K | Reduce -3.5% |
| KHC The Kraft Heinz Co. | 0.15% | 27,729 | $716K | Add +5.5% |
| XLK SS Technology Select Sector | 0.15% | 2,798 | $709K | New |
| CMCSA Comcast Corp. Class A | 0.15% | 19,777 | $706K | Reduce -21.5% |
| PG The Procter & Gamble Co. | 0.14% | 4,399 | $701K | Add +0.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.14% | 14,250 | $699K | Add +12.1% |
| ABT Abbott Laboratories | 0.14% | 5,087 | $692K | Add +6.4% |
| VYM Vanguard High DVD Yield ETF | 0.14% | 5,167 | $689K | No change |
| XLV SS Health Care Select Sector | 0.14% | 5,095 | $687K | Add +17.3% |
| TFC Truist Financial Corp. | 0.14% | 15,849 | $681K | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.14% | 1,534 | $673K | Add +50.4% |
| KLAC KLA Corp. | 0.14% | 747 | $669K | No change |
| KMI Kinder Morgan Inc. | 0.13% | 21,005 | $618K | Add +0.0% |
Portfolio Sells Q1 2025 → Q2 2025
| SCHZ Schwab US Aggregate Bond ETF | Reduce -98.1% | 0.10% | −5.79 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -90.2% | 0.10% | −1.00 |
| SPHY SS SPDR P High Yield ETF | Reduce -92.9% | 0.07% | −1.00 |
| AAPL Apple Inc. | Reduce -2.2% | 3.34% | −0.67 |
| SHV iShares 0-1 Year Treasury Bo | Sold out | 0.00% | −0.55 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Sold out | 0.00% | −0.43 |
| VMBS Vanguard Mortgage-Backed Sec | Reduce -2.5% | 2.42% | −0.27 |
| UNH Unitedhealth Group Inc. | Sold out | 0.00% | −0.24 |
| EPD Enterprise Products Partners | Reduce -3.2% | 0.74% | −0.17 |
| SCHD Schwab US DVD Equity ETF | Reduce -2.9% | 0.96% | −0.17 |
| GBCI Glacier Bancorp Inc. | Sold out | 0.00% | −0.14 |
| PFFD Global X US Preferred ETF | Reduce -53.3% | 0.09% | −0.12 |
| SCHG Schwab US Large-Cap Growth | Reduce -8.3% | 6.65% | −0.09 |
| ENB Enbridge Inc. | Reduce -3.6% | 0.92% | −0.09 |
| SCHA Schwab US Small-Cap ETF | Sold out | 0.00% | −0.08 |
| AHR American Healthcare REIT Inc. | Sold out | 0.00% | −0.08 |
| IJH iShares Core S&P Midcap ETF | Reduce -9.5% | 0.53% | −0.07 |
| CMCSA Comcast Corp. Class A | Reduce -21.5% | 0.15% | −0.06 |
| PFFV Global X Variable Rate Pref | Reduce -48.3% | 0.05% | −0.06 |
| ARCC Ares Capital Corp. | Reduce -11.5% | 0.24% | −0.06 |
| JD Jd.com Inc.-ADR | Sold out | 0.00% | −0.05 |
| LIN Linde PLC | Sold out | 0.00% | −0.05 |
| VTEC Vanguard Ca Tax-Ex Bond | Reduce -2.7% | 0.41% | −0.05 |
| NEE Nextera Energy Inc. | Reduce -3.3% | 0.34% | −0.05 |
| JEPI JPMorgan Equity Premium Inco | Sold out | 0.00% | −0.05 |
| FTSL First Trust Senior Loan ETF | Sold out | 0.00% | −0.05 |
| XLI SS Industrial Select Sector | Sold out | 0.00% | −0.05 |
| PFE Pfizer Inc. | Reduce -1.4% | 0.29% | −0.04 |
| ADBE Adobe Inc. | Reduce -13.9% | 0.15% | −0.04 |
| ESGU iShares ESG Aware MSCI USA | Reduce -7.1% | 0.68% | −0.04 |
| VLUE iShares MSCI USA Value Facto | Reduce -23.6% | 0.08% | −0.03 |
| IVV iShares Core S&P 500 ETF | Reduce -3.8% | 1.21% | −0.02 |
| MDT Medtronic PLC | Reduce -17.7% | 0.07% | −0.02 |
| HD Home Depot Inc. | Reduce -8.3% | 0.12% | −0.02 |
| MCD McDonald's Corp. | Reduce -6.1% | 0.09% | −0.02 |
| ETJ Eaton Vance RSK-MGD Divers | Sold out | 0.00% | −0.02 |
| RTX RTX Corp. | Reduce -7.6% | 0.32% | −0.02 |
| MA Mastercard Inc. Class A | Reduce -4.9% | 0.18% | −0.02 |
| DIS The Walt Disney Co. | Reduce -21.3% | 0.20% | −0.02 |
| WMT Walmart Inc. | Reduce -5.2% | 0.71% | −0.02 |
| CSCO Cisco Systems Inc. | Reduce -9.6% | 0.28% | −0.02 |
| AEP American Electric Power | Reduce -20.6% | 0.04% | −0.02 |
| HYD Vaneck High Yield Muni ETF | Reduce -3.9% | 0.12% | −0.02 |
| LMT Lockheed Martin Corp. | Reduce -9.4% | 0.09% | −0.01 |
| UL Unilever PLC | Reduce -3.5% | 0.15% | −0.01 |
| ALL Allstate Corp. | Reduce -5.7% | 0.07% | −0.01 |
| SO The Southern Co. | Reduce -7.6% | 0.07% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.2% | 0.25% | −0.01 |
| AXP American Express Co. | Reduce -17.2% | 0.06% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -10.0% | 0.05% | −0.00 |
Portfolio Buys Q1 2025 → Q2 2025
| SPTL SS SPDR PF LNG TRM TSY E-Usd | New | 3.10% | +3.10 |
| BWX SS SPDR BB Intl Treasury BD | New | 1.91% | +1.91 |
| XLRE SS Real Estate Select Sector | New | 0.80% | +0.80 |
| BSV Vanguard Short-Term Bond ETF | Add +1335.6% | 0.74% | +0.69 |
| SCHO Schwab Short-Term US Treas | Add +19.2% | 7.33% | +0.67 |
| VBIL Vanguard 0-3M T-Bill ETF | Add +493.9% | 0.70% | +0.57 |
| NVDA Nvidia Corp. | Add +20.4% | 1.12% | +0.43 |
| MSFT Microsoft Corp. | Add +2.2% | 2.08% | +0.41 |
| SCHR Schwab Intermediate-Term US | Add +13.8% | 7.30% | +0.39 |
| VCIT Vanguard Int-Term Corporate | Add +20.8% | 2.37% | +0.27 |
| UPS United Parcel Service Class B | Add +379.4% | 0.29% | +0.22 |
| META Meta Platforms Inc. Class A | Add +1.2% | 1.24% | +0.20 |
| TGT Target Corp. | New | 0.16% | +0.16 |
| XLK SS Technology Select Sector | New | 0.15% | +0.15 |
| DFAS Dimensional US Small Cap ETF | Add +10.0% | 1.84% | +0.14 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +0.6% | 2.14% | +0.13 |
| NFLX Netflix Inc. | Add +0.1% | 0.43% | +0.10 |
| BAC Bank of America Corp. | Add +24.5% | 0.44% | +0.10 |
| CRM Salesforce Inc. | Add +54.7% | 0.32% | +0.10 |
| GD General Dynamics Corp. | Add +125.7% | 0.17% | +0.10 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +5.3% | 1.91% | +0.09 |
| VEA Vanguard Ftse Developed ETF | Add +134.5% | 0.15% | +0.09 |
| SCHV Schwab US Large-Cap Value | New | 0.08% | +0.08 |
| AMZN Amazon.com Inc. | Add +0.0% | 1.30% | +0.08 |
| HII Huntington Ingalls Industrie | New | 0.08% | +0.08 |
| EFA iShares MSCI Eafe ETF | Add +143.6% | 0.13% | +0.07 |
| AVGO Broadcom Inc. | Add +0.2% | 0.19% | +0.06 |
| EQIX Equinix Inc. | New | 0.06% | +0.06 |
| DFIC Dimensional International Co. | New | 0.06% | +0.06 |
| SYY Sysco Corp. | New | 0.06% | +0.06 |
| VST Vistra Corp. | New | 0.06% | +0.06 |
| DY Dycom Industries Inc. | New | 0.06% | +0.06 |
| SNY Sanofi-ADR | New | 0.06% | +0.06 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | New | 0.06% | +0.06 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +50.4% | 0.14% | +0.05 |
| WFC Wells Fargo & Co. | Add +98.7% | 0.10% | +0.05 |
| WM Waste Management Inc. | New | 0.05% | +0.05 |
| GOOG Alphabet Inc. Class C | Add +1.2% | 0.83% | +0.05 |
| MS Morgan Stanley | New | 0.05% | +0.05 |
| NSC Norfolk Southern Corp. | New | 0.05% | +0.05 |
| BA The Boeing Co. | New | 0.05% | +0.05 |
| AMT American Tower Corp. | New | 0.05% | +0.05 |
| JCI Johnson Controls Internation | New | 0.05% | +0.05 |
| TTWO Take-Two Interactive Softwre | New | 0.04% | +0.04 |
| DLR Digital Realty Trust Inc. | New | 0.04% | +0.04 |
| C Citigroup Inc. | Add +75.4% | 0.09% | +0.04 |
| EMBJ Embraer SA-Spon ADR | New | 0.04% | +0.04 |
| RBA RB Global Inc. | New | 0.04% | +0.04 |
| BTI British American Tob-SP ADR | New | 0.04% | +0.04 |
| NEM Newmont Corp. | New | 0.04% | +0.04 |
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 |