FLC Capital Advisors
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 17, 2025), FLC Capital Advisors reported 211 stock positions worth $516.3 million. Its top holding was Schwab Short-Term US Treas (SCHO) at 7.2% of the portfolio, followed by Schwab Intermediate-Term US (SCHR, 7.1%) and Schwab US Large-Cap Growth (SCHG, 6.6%). Compared with Q2 2025, it opened 14 new positions, sold out of 4, added to 56 and reduced 58. The biggest buy was Apple (AAPL, shares +2%) and the biggest sale Vanguard Mrngstr Val ETF-Aui (VTV, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- PALM DESERT, CA
- CIK
- 0001713697
- Portfolio Value
- $516.3M (Q3 2025)
- SEC Filing
- 0001713697-25-000005 ↗ filed Oct 17, 2025
Holdings Value
Holdings 211 stocks · $516.3M
| SCHO Schwab Short-Term US Treas | 7.21% | 1,525,261 | $37.2M | Add +4.8% |
| SCHR Schwab Intermediate-Term US | 7.12% | 1,462,838 | $36.8M | Add +3.7% |
| SCHG Schwab US Large-Cap Growth | 6.63% | 1,072,853 | $34.2M | Reduce -2.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 6.55% | 181,229 | $33.8M | Reduce -1.4% |
| AAPL Apple Inc. | 3.96% | 80,316 | $20.5M | Add +2.0% |
| SCHF Schwab Intl Equity ETF | 3.57% | 792,499 | $18.4M | Reduce -1.4% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 3.06% | 585,854 | $15.8M | Add +3.8% |
| VCIT Vanguard Int-Term Corporate | 2.39% | 146,923 | $12.4M | Add +6.3% |
| VMBS Vanguard Mortgage-Backed Sec | 2.36% | 259,347 | $12.2M | Add +2.6% |
| IWF iShares Russell 1000 Growth | 2.19% | 24,126 | $11.3M | Reduce -0.9% |
| EMXC iShares MSCI Emr MRK Ex Chna | 2.11% | 161,076 | $10.9M | Reduce -1.6% |
| MSFT Microsoft Corp. | 2.03% | 20,191 | $10.5M | Reduce -0.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.84% | 32,415 | $9.5M | Reduce -1.6% |
| BWX SS SPDR BB Intl Treasury BD | 1.83% | 410,633 | $9.4M | Add +4.6% |
| DFAS Dimensional US Small Cap ETF | 1.83% | 137,725 | $9.4M | Reduce -1.6% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 1.53% | 27,937 | $7.9M | Add +2.6% |
| XAR SS SPDR S&P Aerospace Def | 1.53% | 33,521 | $7.9M | Reduce -7.5% |
| CVX Chevron Corp. | 1.41% | 46,854 | $7.3M | Reduce -0.8% |
| MRK Merck & Co. Inc. | 1.41% | 86,607 | $7.3M | Add +2.5% |
| GOOGL Alphabet Inc. Class A | 1.34% | 28,456 | $6.9M | Add +1.6% |
| NVDA Nvidia Corp. | 1.23% | 34,048 | $6.4M | Reduce -0.4% |
| AMZN Amazon.com Inc. | 1.23% | 28,853 | $6.3M | Add +0.9% |
| IVV iShares Core S&P 500 ETF | 1.22% | 9,387 | $6.3M | Reduce -0.4% |
| META Meta Platforms Inc. Class A | 1.16% | 8,129 | $6.0M | No change |
| GOOG Alphabet Inc. Class C | 1.07% | 22,729 | $5.5M | Add +0.1% |
| JPM JPMorgan Chase & Co. | 0.97% | 15,921 | $5.0M | Reduce -0.2% |
| ENB Enbridge Inc. | 0.93% | 94,851 | $4.8M | Reduce -3.6% |
| SCHD Schwab US DVD Equity ETF | 0.91% | 173,024 | $4.7M | Reduce -0.8% |
| XOM Exxon Mobil Corp. | 0.91% | 41,444 | $4.7M | No change |
| VIG Vanguard Dividend Apprec ETF | 0.79% | 18,783 | $4.1M | No change |
| XLRE SS Real Estate Select Sector | 0.78% | 95,378 | $4.0M | Add +1.6% |
| BSV Vanguard Short-Term Bond ETF | 0.73% | 47,452 | $3.7M | Add +3.7% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.72% | 49,314 | $3.7M | Add +9.8% |
| WMT Walmart Inc. | 0.70% | 34,899 | $3.6M | Reduce -0.0% |
| ESGU iShares ESG Aware MSCI USA | 0.68% | 24,271 | $3.5M | Reduce -0.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.68% | 7,013 | $3.5M | Reduce -4.2% |
| EPD Enterprise Products Partners | 0.67% | 111,265 | $3.5M | Reduce -3.2% |
| CAT Caterpillar Inc. | 0.56% | 6,105 | $2.9M | Reduce -0.3% |
| IJH iShares Core S&P Midcap ETF | 0.53% | 41,620 | $2.7M | Add +1.0% |
| JNJ Johnson & Johnson | 0.49% | 13,530 | $2.5M | Reduce -1.7% |
| PM Philip Morris International | 0.46% | 14,513 | $2.4M | Reduce -0.1% |
| VTI VG Morningstar TS MKT ETF-US | 0.45% | 7,149 | $2.3M | No change |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.45% | 45,343 | $2.3M | No change |
| GLTR Abrdn Precious Metals Basket | 0.42% | 13,169 | $2.2M | No change |
| TSM Taiwan Semiconductor-SP ADR | 0.41% | 7,611 | $2.1M | No change |
| VTEC Vanguard Ca Tax-Ex Bond | 0.39% | 20,247 | $2.0M | Reduce -0.1% |
| SUB iShares Short-Term National | 0.38% | 18,440 | $2.0M | Add +0.2% |
| NFLX Netflix Inc. | 0.36% | 1,548 | $1.9M | No change |
| PFE Pfizer Inc. | 0.35% | 71,747 | $1.8M | Add +24.4% |
| NEE Nextera Energy Inc. | 0.35% | 23,803 | $1.8M | Add +0.9% |
| UPS United Parcel Service Class B | 0.32% | 19,976 | $1.7M | Add +44.6% |
| PANW Palo Alto Networks Inc. | 0.32% | 8,175 | $1.7M | Reduce -0.0% |
| ITA iShares U.S. Aerospace & Def | 0.32% | 7,862 | $1.6M | No change |
| QCOM Qualcomm Inc. | 0.30% | 9,419 | $1.6M | Add +5.3% |
| COST Costco Wholesale Corp. | 0.30% | 1,657 | $1.5M | Reduce -0.7% |
| CRM Salesforce Inc. | 0.28% | 6,009 | $1.4M | Add +5.0% |
| TSLA Tesla Inc. | 0.27% | 3,104 | $1.4M | Add +3.3% |
| ABBV Abbvie Inc. | 0.25% | 5,618 | $1.3M | Add +0.1% |
| CSCO Cisco Systems Inc. | 0.25% | 18,911 | $1.3M | Reduce -1.7% |
| IJR iShares Core S&P Small-Cap E | 0.25% | 10,887 | $1.3M | Reduce -1.8% |
| VOO Vanguard S&P 500 ETF | 0.25% | 2,070 | $1.3M | Reduce -3.5% |
| SCHW Schwab (charles) Corp. | 0.24% | 13,116 | $1.3M | Reduce -3.4% |
| RTX RTX Corp. | 0.24% | 7,432 | $1.2M | Reduce -29.4% |
| CMI Cummins Inc. | 0.24% | 2,920 | $1.2M | No change |
| UBER Uber Technologies Inc. | 0.23% | 12,174 | $1.2M | No change |
| AVGO Broadcom Inc. | 0.21% | 3,288 | $1.1M | Add +0.1% |
| ARCC Ares Capital Corp. | 0.21% | 52,948 | $1.1M | Reduce -1.3% |
| KHC The Kraft Heinz Co. | 0.19% | 38,644 | $1.0M | Add +39.4% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.19% | 11,805 | $1000K | Add +1.3% |
| V Visa Inc. Class A | 0.19% | 2,903 | $991K | Add +0.1% |
| MMM 3M Co. | 0.18% | 6,150 | $954K | No change |
| QUAL iShares MSCI USA Quality Fac | 0.18% | 4,827 | $939K | Reduce -3.0% |
| MO Altria Group Inc. | 0.18% | 14,052 | $928K | No change |
| B Barrick Mining Corp. | 0.17% | 27,544 | $903K | No change |
| VZ Verizon Communications Inc. | 0.17% | 20,289 | $892K | Add +2.5% |
| MA Mastercard Inc. Class A | 0.17% | 1,563 | $889K | Reduce -0.1% |
| VEA Vanguard Ftse Developed ETF | 0.17% | 14,702 | $881K | Add +12.9% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.17% | 7,686 | $880K | Reduce -2.5% |
| SBUX Starbucks Corp. | 0.17% | 10,351 | $876K | No change |
| LLY Eli Lilly & Co. | 0.17% | 1,141 | $871K | Add +2.7% |
| FTNT Fortinet Inc. | 0.17% | 10,305 | $866K | No change |
| FFWM First Foundation Inc. | 0.16% | 148,171 | $825K | No change |
| KLAC KLA Corp. | 0.16% | 747 | $806K | No change |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | 0.16% | 70,446 | $802K | No change |
| XLK SS Technology Select Sector | 0.15% | 2,798 | $789K | No change |
| ADBE Adobe Inc. | 0.15% | 2,220 | $783K | Add +14.7% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.15% | 1,610 | $772K | Add +5.0% |
| T AT&T Inc. | 0.15% | 27,121 | $766K | Reduce -1.7% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.15% | 1 | $754K | No change |
| VYM Vanguard High DVD Yield ETF | 0.14% | 5,167 | $728K | No change |
| TFC Truist Financial Corp. | 0.14% | 15,850 | $725K | Add +0.0% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.14% | 14,250 | $713K | No change |
| STZ Constellation Brands Inc. Class A | 0.14% | 5,295 | $713K | Add +15.3% |
| UL Unilever PLC | 0.14% | 11,873 | $704K | No change |
| SLV iShares Silver Trust | 0.14% | 16,500 | $699K | No change |
| TGT Target Corp. | 0.13% | 7,694 | $690K | Reduce -0.0% |
| PG The Procter & Gamble Co. | 0.13% | 4,390 | $675K | Reduce -0.2% |
| HD Home Depot Inc. | 0.13% | 1,661 | $673K | Add +3.4% |
| VLY Valley National Bancorp | 0.13% | 62,003 | $657K | No change |
| CB Chubb Ltd. | 0.13% | 2,312 | $653K | Add +34.9% |
Portfolio Sells Q2 2025 → Q3 2025
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -1.4% | 6.55% | −0.17 |
| SCHF Schwab Intl Equity ETF | Reduce -1.4% | 3.57% | −0.10 |
| PM Philip Morris International | Reduce -0.1% | 0.46% | −0.09 |
| RTX RTX Corp. | Reduce -29.4% | 0.24% | −0.08 |
| HII Huntington Ingalls Industrie | Sold out | 0.00% | −0.08 |
| GD General Dynamics Corp. | Reduce -46.6% | 0.10% | −0.07 |
| EPD Enterprise Products Partners | Reduce -3.2% | 0.67% | −0.06 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -1.6% | 1.84% | −0.06 |
| MSFT Microsoft Corp. | Reduce -0.3% | 2.03% | −0.06 |
| XAR SS SPDR S&P Aerospace Def | Reduce -7.5% | 1.53% | −0.06 |
| FSK FS KKR Capital Corp. | Reduce -19.9% | 0.06% | −0.05 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -4.2% | 0.68% | −0.05 |
| PFFV Global X Variable Rate Pref | Sold out | 0.00% | −0.05 |
| VT Vanguard Tot World STK ETF | Sold out | 0.00% | −0.05 |
| CMCSA Comcast Corp. Class A | Reduce -17.6% | 0.10% | −0.05 |
| AMT American Tower Corp. | Sold out | 0.00% | −0.05 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -41.2% | 0.06% | −0.05 |
| COST Costco Wholesale Corp. | Reduce -0.7% | 0.30% | −0.04 |
| SCHD Schwab US DVD Equity ETF | Reduce -0.8% | 0.91% | −0.04 |
| ARCC Ares Capital Corp. | Reduce -1.3% | 0.21% | −0.03 |
| DIS The Walt Disney Co. | Reduce -2.5% | 0.17% | −0.03 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -1.6% | 2.11% | −0.03 |
| CSCO Cisco Systems Inc. | Reduce -1.7% | 0.25% | −0.03 |
| PANW Palo Alto Networks Inc. | Reduce -0.0% | 0.32% | −0.02 |
| TGT Target Corp. | Reduce -0.0% | 0.13% | −0.02 |
| XLV SS Health Care Select Sector | Reduce -13.4% | 0.12% | −0.02 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -22.0% | 0.09% | −0.02 |
| ABT Abbott Laboratories | Reduce -6.2% | 0.12% | −0.02 |
| PEP Pepsico Inc. | Reduce -17.5% | 0.09% | −0.02 |
| SCHG Schwab US Large-Cap Growth | Reduce -2.5% | 6.63% | −0.02 |
| VTEC Vanguard Ca Tax-Ex Bond | Reduce -0.1% | 0.39% | −0.02 |
| DFAS Dimensional US Small Cap ETF | Reduce -1.6% | 1.83% | −0.02 |
| T AT&T Inc. | Reduce -1.7% | 0.15% | −0.02 |
| PG The Procter & Gamble Co. | Reduce -0.2% | 0.13% | −0.01 |
| SCHW Schwab (charles) Corp. | Reduce -3.4% | 0.24% | −0.01 |
| FCX Freeport-McMoran Inc. | Reduce -0.2% | 0.07% | −0.01 |
| UNP Union Pacific Corp. | Reduce -11.2% | 0.07% | −0.01 |
| PAYX Paychex Inc. | Reduce -0.1% | 0.05% | −0.01 |
| GSK GSK PLC-Spon ADR | Reduce -17.0% | 0.08% | −0.01 |
| MUB iShares National Muni Bond E | Reduce -11.8% | 0.05% | −0.01 |
| MA Mastercard Inc. Class A | Reduce -0.1% | 0.17% | −0.01 |
| WMT Walmart Inc. | Reduce -0.0% | 0.70% | −0.01 |
| KO The Coca-Cola Co. | Reduce -0.1% | 0.06% | −0.01 |
| SPHY SS SPDR P High Yield ETF | Reduce -4.7% | 0.06% | −0.01 |
| AMGN Amgen Inc. | Reduce -0.1% | 0.11% | −0.01 |
| VOO Vanguard S&P 500 ETF | Reduce -3.5% | 0.25% | −0.01 |
| QUAL iShares MSCI USA Quality Fac | Reduce -3.0% | 0.18% | −0.01 |
| WPC WP Carey Inc. | Reduce -6.4% | 0.10% | −0.01 |
| WM Waste Management Inc. | Reduce -0.2% | 0.04% | −0.00 |
| SCHV Schwab US Large-Cap Value | Reduce -2.7% | 0.08% | −0.00 |
Portfolio Buys Q2 2025 → Q3 2025
| AAPL Apple Inc. | Add +2.0% | 3.96% | +0.62 |
| GOOGL Alphabet Inc. Class A | Add +1.6% | 1.34% | +0.32 |
| GOOG Alphabet Inc. Class C | Add +0.1% | 1.07% | +0.24 |
| GIS General Mills Inc. | New | 0.08% | +0.08 |
| TSLA Tesla Inc. | Add +3.3% | 0.27% | +0.07 |
| PFE Pfizer Inc. | Add +24.4% | 0.35% | +0.06 |
| EQIX Equinix Inc. | Add +99.5% | 0.12% | +0.05 |
| LRCX Lam Research Corp. | New | 0.05% | +0.05 |
| KHC The Kraft Heinz Co. | Add +39.4% | 0.19% | +0.05 |
| IEFA iShares Core MSCI Eafe ETF | New | 0.05% | +0.05 |
| UBS UBS Group AG-Reg | New | 0.05% | +0.05 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.04% | +0.04 |
| GS Goldman Sachs Group Inc. | New | 0.04% | +0.04 |
| ACWI iShares MSCI Acwi ETF | New | 0.04% | +0.04 |
| BOOT Boot Barn Holdings Inc. | New | 0.04% | +0.04 |
| WELL Welltower Inc. | New | 0.04% | +0.04 |
| ORCL Oracle Corp. | New | 0.04% | +0.04 |
| HLI Houlihan Lokey Inc. | New | 0.04% | +0.04 |
| IAT iShares US Regional Banks Et | New | 0.04% | +0.04 |
| EFV iShares MSCI Eafe Value ETF | New | 0.04% | +0.04 |
| ABBV Abbvie Inc. | Add +0.1% | 0.25% | +0.04 |
| UPS United Parcel Service Class B | Add +44.6% | 0.32% | +0.03 |
| JOBY Joby Aviation Inc. | New | 0.03% | +0.03 |
| INTC Intel Corp. | Add +5.7% | 0.08% | +0.03 |
| VCIT Vanguard Int-Term Corporate | Add +6.3% | 2.39% | +0.02 |
| MRK Merck & Co. Inc. | Add +2.5% | 1.41% | +0.02 |
| CB Chubb Ltd. | Add +34.9% | 0.13% | +0.02 |
| AVGO Broadcom Inc. | Add +0.1% | 0.21% | +0.02 |
| VBIL Vanguard 0-3M T-Bill ETF | Add +9.8% | 0.72% | +0.02 |
| VEA Vanguard Ftse Developed ETF | Add +12.9% | 0.17% | +0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +5.0% | 0.15% | +0.01 |
| NEE Nextera Energy Inc. | Add +0.9% | 0.35% | +0.01 |
| QCOM Qualcomm Inc. | Add +5.3% | 0.30% | +0.01 |
| HD Home Depot Inc. | Add +3.4% | 0.13% | +0.01 |
| O Realty Income Corp. | Add +7.9% | 0.12% | +0.01 |
| VWOB Vanguard Emerg MKTS Gov BND | Add +10.3% | 0.11% | +0.01 |
| LOW Lowe's Cos Inc. | Add +0.1% | 0.07% | +0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +6.2% | 0.06% | +0.00 |
| FUTY Fidelity MSCI US Utilities | Add +0.6% | 0.09% | +0.00 |
| SYY Sysco Corp. | Add +0.1% | 0.06% | +0.00 |
| AEP American Electric Power | Add +0.1% | 0.04% | +0.00 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +1.3% | 0.19% | +0.00 |
| XLE SS Energy Select Sector | Add +0.7% | 0.07% | −0.00 |
| TFC Truist Financial Corp. | Add +0.0% | 0.14% | −0.00 |
| PFFD Global X US Preferred ETF | Add +2.0% | 0.09% | −0.00 |
| IJH iShares Core S&P Midcap ETF | Add +1.0% | 0.53% | −0.00 |
| MCD McDonald's Corp. | Add +0.1% | 0.09% | −0.00 |
| ADBE Adobe Inc. | Add +14.7% | 0.15% | −0.00 |
| GILD Gilead Sciences Inc. | Add +0.1% | 0.06% | −0.00 |
| NKE Nike Inc. Class B | Add +0.1% | 0.05% | −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 |