FLC Capital Advisors
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 11, 2026), FLC Capital Advisors reported 209 stock positions worth $541.7 million. Its top holding was Schwab Short-Term US Treas (SCHO) at 7.3% of the portfolio, followed by Schwab Intermediate-Term US (SCHR, 7.2%) and Vanguard Mrngstr Val ETF-Aui (VTV, 7.2%). Compared with Q3 2025, it opened 10 new positions, sold out of 12, added to 56 and reduced 62. The biggest buy was a new position in iShares US Smallcap Equity F (SMLF) and the biggest sale Vngrd Mrngstr MD-Cap ETF-Usd (VO, shares −74%).
- Most Recent 13F
- Q2 2026
- Location
- PALM DESERT, CA
- CIK
- 0001713697
- Portfolio Value
- $541.7M (Q4 2025)
- SEC Filing
- 0001713697-26-000002 ↗ filed Feb 11, 2026
Holdings Value
Holdings 209 stocks · $541.7M
| SCHO Schwab Short-Term US Treas | 7.33% | 1,629,211 | $39.7M | Add +6.8% |
| SCHR Schwab Intermediate-Term US | 7.15% | 1,545,245 | $38.8M | Add +5.6% |
| VTV Vanguard Mrngstr Val ETF-Aui | 7.15% | 202,894 | $38.8M | Add +11.9% |
| SCHG Schwab US Large-Cap Growth | 6.60% | 1,095,746 | $35.7M | Add +2.1% |
| AAPL Apple Inc. | 4.03% | 80,222 | $21.8M | Reduce -0.1% |
| SCHF Schwab Intl Equity ETF | 3.83% | 862,249 | $20.7M | Add +8.8% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 2.99% | 611,533 | $16.2M | Add +4.4% |
| VCIT Vanguard Int-Term Corporate | 2.43% | 157,118 | $13.2M | Add +6.9% |
| VMBS Vanguard Mortgage-Backed Sec | 2.39% | 275,505 | $13.0M | Add +6.2% |
| EMXC iShares MSCI Emr MRK Ex Chna | 2.26% | 168,605 | $12.3M | Add +4.7% |
| IWF iShares Russell 1000 Growth | 2.09% | 23,867 | $11.3M | Reduce -1.1% |
| MSFT Microsoft Corp. | 1.83% | 20,470 | $9.9M | Add +1.4% |
| BWX SS SPDR BB Intl Treasury BD | 1.81% | 434,297 | $9.8M | Add +5.8% |
| MRK Merck & Co. Inc. | 1.73% | 89,165 | $9.4M | Add +3.0% |
| GOOGL Alphabet Inc. Class A | 1.64% | 28,396 | $8.9M | Reduce -0.2% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 1.53% | 28,056 | $8.3M | Add +0.4% |
| XAR SS SPDR S&P Aerospace Def | 1.51% | 33,862 | $8.2M | Add +1.0% |
| SMLF iShares US Smallcap Equity F | 1.37% | 99,179 | $7.4M | New |
| CVX Chevron Corp. | 1.31% | 46,589 | $7.1M | Reduce -0.6% |
| GOOG Alphabet Inc. Class C | 1.29% | 22,236 | $7.0M | Reduce -2.2% |
| AMZN Amazon.com Inc. | 1.24% | 29,003 | $6.7M | Add +0.5% |
| IVV iShares Core S&P 500 ETF | 1.19% | 9,372 | $6.4M | Reduce -0.2% |
| NVDA Nvidia Corp. | 1.17% | 33,949 | $6.3M | Reduce -0.3% |
| META Meta Platforms Inc. Class A | 0.97% | 7,986 | $5.3M | Reduce -1.8% |
| JPM JPMorgan Chase & Co. | 0.95% | 15,921 | $5.1M | No change |
| XOM Exxon Mobil Corp. | 0.93% | 41,844 | $5.0M | Add +1.0% |
| SCHD Schwab US DVD Equity ETF | 0.86% | 169,562 | $4.7M | Reduce -2.0% |
| ENB Enbridge Inc. | 0.84% | 94,851 | $4.5M | No change |
| XLRE SS Real Estate Select Sector | 0.84% | 112,170 | $4.5M | Add +17.6% |
| VIG Vanguard Dividend Apprec ETF | 0.78% | 19,233 | $4.2M | Add +2.4% |
| WMT Walmart Inc. | 0.72% | 34,900 | $3.9M | Add +0.0% |
| BSV Vanguard Short-Term Bond ETF | 0.72% | 49,266 | $3.9M | Add +3.8% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.68% | 7,379 | $3.7M | Add +5.2% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.68% | 48,971 | $3.7M | Reduce -0.7% |
| EPD Enterprise Products Partners | 0.67% | 113,190 | $3.6M | Add +1.7% |
| ESGU iShares ESG Aware MSCI USA | 0.66% | 24,073 | $3.6M | Reduce -0.8% |
| CAT Caterpillar Inc. | 0.65% | 6,105 | $3.5M | No change |
| JNJ Johnson & Johnson | 0.53% | 13,783 | $2.9M | Add +1.9% |
| IJH iShares Core S&P Midcap ETF | 0.50% | 41,239 | $2.7M | Reduce -0.9% |
| GLTR Abrdn Precious Metals Basket | 0.50% | 13,169 | $2.7M | No change |
| DFAS Dimensional US Small Cap ETF | 0.49% | 37,748 | $2.6M | Reduce -72.6% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.45% | 8,487 | $2.5M | Reduce -73.8% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.45% | 44,488 | $2.4M | Reduce -1.9% |
| VTI VG Morningstar TS MKT ETF-US | 0.43% | 7,003 | $2.3M | Reduce -2.0% |
| PM Philip Morris International | 0.43% | 14,510 | $2.3M | Reduce -0.0% |
| TSM Taiwan Semiconductor-SP ADR | 0.43% | 7,611 | $2.3M | No change |
| VTEC Vanguard Ca Tax-Ex Bond | 0.42% | 22,577 | $2.3M | Add +11.5% |
| CME Cme Group Inc. | 0.39% | 7,771 | $2.1M | New |
| COST Costco Wholesale Corp. | 0.39% | 2,457 | $2.1M | Add +48.3% |
| SUB iShares Short-Term National | 0.39% | 19,686 | $2.1M | Add +6.8% |
| UPS United Parcel Service Class B | 0.38% | 20,747 | $2.1M | Add +3.9% |
| NEE Nextera Energy Inc. | 0.35% | 23,803 | $1.9M | No change |
| PFE Pfizer Inc. | 0.32% | 70,486 | $1.8M | Reduce -1.8% |
| ITA iShares U.S. Aerospace & Def | 0.31% | 7,862 | $1.7M | No change |
| QCOM Qualcomm Inc. | 0.30% | 9,369 | $1.6M | Reduce -0.5% |
| SCHW Schwab (charles) Corp. | 0.28% | 15,405 | $1.5M | Add +17.4% |
| PANW Palo Alto Networks Inc. | 0.28% | 8,175 | $1.5M | No change |
| CMI Cummins Inc. | 0.28% | 2,920 | $1.5M | No change |
| CSCO Cisco Systems Inc. | 0.27% | 18,911 | $1.5M | No change |
| NFLX Netflix Inc. | 0.27% | 15,450 | $1.4M | Reduce -0.2% |
| TSLA Tesla Inc. | 0.26% | 3,104 | $1.4M | No change |
| RTX RTX Corp. | 0.24% | 7,216 | $1.3M | Reduce -2.9% |
| IJR iShares Core S&P Small-Cap E | 0.24% | 10,887 | $1.3M | No change |
| VOO Vanguard S&P 500 ETF | 0.24% | 2,074 | $1.3M | Add +0.2% |
| CRM Salesforce Inc. | 0.24% | 4,856 | $1.3M | Reduce -19.2% |
| LLY Eli Lilly & Co. | 0.23% | 1,167 | $1.3M | Add +2.3% |
| ABBV Abbvie Inc. | 0.23% | 5,377 | $1.2M | Reduce -4.3% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.21% | 12,720 | $1.1M | Add +7.8% |
| B Barrick Mining Corp. | 0.21% | 26,032 | $1.1M | Reduce -5.5% |
| AVGO Broadcom Inc. | 0.20% | 3,168 | $1.1M | Reduce -3.6% |
| UBER Uber Technologies Inc. | 0.20% | 13,132 | $1.1M | Add +7.9% |
| VEA Vanguard Ftse Developed ETF | 0.20% | 17,084 | $1.1M | Add +16.2% |
| SLV iShares Silver Trust | 0.20% | 16,500 | $1.1M | No change |
| V Visa Inc. Class A | 0.19% | 2,974 | $1.0M | Add +2.5% |
| HYD Vaneck High Yield Muni ETF | 0.19% | 20,389 | $1.0M | Add +80.1% |
| ARCC Ares Capital Corp. | 0.19% | 51,110 | $1.0M | Reduce -3.5% |
| QUAL iShares MSCI USA Quality Fac | 0.18% | 4,894 | $972K | Add +1.4% |
| MMM 3M Co. | 0.18% | 5,925 | $949K | Reduce -3.7% |
| TGT Target Corp. | 0.17% | 9,595 | $938K | Add +24.7% |
| MA Mastercard Inc. Class A | 0.16% | 1,564 | $893K | Add +0.1% |
| FFWM First Foundation Inc. | 0.16% | 144,557 | $890K | Reduce -2.4% |
| KLAC KLA Corp. | 0.16% | 727 | $883K | Reduce -2.7% |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | 0.15% | 70,446 | $819K | No change |
| FTNT Fortinet Inc. | 0.15% | 10,305 | $818K | No change |
| MO Altria Group Inc. | 0.15% | 14,052 | $810K | No change |
| SBUX Starbucks Corp. | 0.15% | 9,602 | $809K | Reduce -7.2% |
| XLK SS Technology Select Sector | 0.15% | 5,596 | $806K | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.15% | 7,068 | $804K | Reduce -8.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.15% | 1,622 | $791K | Add +0.8% |
| VZ Verizon Communications Inc. | 0.14% | 19,275 | $785K | Reduce -5.0% |
| TFC Truist Financial Corp. | 0.14% | 15,853 | $780K | Add +0.0% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.14% | 1 | $755K | No change |
| QQQ Invesco QQQ Trust Series 1 | 0.14% | 1,211 | $744K | Add +59.5% |
| VYM Vanguard High DVD Yield ETF | 0.14% | 5,167 | $742K | No change |
| CB Chubb Ltd. | 0.13% | 2,312 | $722K | No change |
| DXJ Wisdomtree Japan Hedged Eq | 0.13% | 4,878 | $703K | No change |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.13% | 1,026 | $700K | Add +139.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.13% | 13,832 | $696K | Reduce -2.9% |
| O Realty Income Corp. | 0.13% | 12,301 | $693K | Add +16.2% |
| FDX FedEx Corp. | 0.13% | 2,399 | $693K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -73.8% | 0.45% | −1.39 |
| DFAS Dimensional US Small Cap ETF | Reduce -72.6% | 0.49% | −1.34 |
| META Meta Platforms Inc. Class A | Reduce -1.8% | 0.97% | −0.18 |
| KHC The Kraft Heinz Co. | Reduce -49.7% | 0.09% | −0.11 |
| IWF iShares Russell 1000 Growth | Reduce -1.1% | 2.09% | −0.10 |
| CMCSA Comcast Corp. Class A | Sold out | 0.00% | −0.10 |
| CVX Chevron Corp. | Reduce -0.6% | 1.31% | −0.10 |
| NFLX Netflix Inc. | Reduce -0.2% | 0.27% | −0.09 |
| VLY Valley National Bancorp | Reduce -63.0% | 0.05% | −0.08 |
| ADBE Adobe Inc. | Reduce -43.8% | 0.08% | −0.07 |
| NVDA Nvidia Corp. | Reduce -0.3% | 1.17% | −0.06 |
| SYY Sysco Corp. | Sold out | 0.00% | −0.06 |
| SCHD Schwab US DVD Equity ETF | Reduce -2.0% | 0.86% | −0.06 |
| KMB Kimberly-Clark Corp. | Sold out | 0.00% | −0.05 |
| PAYX Paychex Inc. | Sold out | 0.00% | −0.05 |
| IEFA iShares Core MSCI Eafe ETF | Sold out | 0.00% | −0.05 |
| WM Waste Management Inc. | Sold out | 0.00% | −0.04 |
| DLR Digital Realty Trust Inc. | Sold out | 0.00% | −0.04 |
| HLI Houlihan Lokey Inc. | Sold out | 0.00% | −0.04 |
| RBA RB Global Inc. | Sold out | 0.00% | −0.04 |
| VBIL Vanguard 0-3M T-Bill ETF | Reduce -0.7% | 0.68% | −0.04 |
| ED Consolidated Edison Inc. | Sold out | 0.00% | −0.04 |
| PDI PIMCO Dynamic Income Fund | Sold out | 0.00% | −0.04 |
| CRM Salesforce Inc. | Reduce -19.2% | 0.24% | −0.04 |
| GIS General Mills Inc. | Reduce -34.2% | 0.05% | −0.03 |
| TAK Takeda Pharmaceutic-SP ADR | Sold out | 0.00% | −0.03 |
| IVV iShares Core S&P 500 ETF | Reduce -0.2% | 1.19% | −0.03 |
| PFE Pfizer Inc. | Reduce -1.8% | 0.32% | −0.03 |
| VZ Verizon Communications Inc. | Reduce -5.0% | 0.14% | −0.03 |
| PM Philip Morris International | Reduce -0.0% | 0.43% | −0.03 |
| ABBV Abbvie Inc. | Reduce -4.3% | 0.23% | −0.03 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.9% | 0.50% | −0.02 |
| ESGU iShares ESG Aware MSCI USA | Reduce -0.8% | 0.66% | −0.02 |
| DIS The Walt Disney Co. | Reduce -8.0% | 0.15% | −0.02 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.0% | 0.43% | −0.02 |
| SBUX Starbucks Corp. | Reduce -7.2% | 0.15% | −0.02 |
| DUK Duke Energy Corp. | Reduce -14.4% | 0.07% | −0.02 |
| ARCC Ares Capital Corp. | Reduce -3.5% | 0.19% | −0.02 |
| PG The Procter & Gamble Co. | Reduce -2.9% | 0.11% | −0.02 |
| NOW ServiceNow Inc. | Reduce -0.2% | 0.07% | −0.02 |
| STZ Constellation Brands Inc. Class A | Reduce -10.5% | 0.12% | −0.02 |
| LMT Lockheed Martin Corp. | Reduce -10.5% | 0.08% | −0.02 |
| ABT Abbott Laboratories | Reduce -0.0% | 0.11% | −0.01 |
| FSK FS KKR Capital Corp. | Reduce -13.4% | 0.05% | −0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -2.9% | 0.13% | −0.01 |
| MMM 3M Co. | Reduce -3.7% | 0.18% | −0.01 |
| MDT Medtronic PLC | Reduce -9.8% | 0.06% | −0.01 |
| SPHY SS SPDR P High Yield ETF | Reduce -8.9% | 0.05% | −0.01 |
| SO The Southern Co. | Reduce -0.1% | 0.06% | −0.01 |
| AVGO Broadcom Inc. | Reduce -3.6% | 0.20% | −0.01 |
Portfolio Buys Q3 2025 → Q4 2025
| SMLF iShares US Smallcap Equity F | New | 1.37% | +1.37 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +11.9% | 7.15% | +0.61 |
| CME Cme Group Inc. | New | 0.39% | +0.39 |
| MRK Merck & Co. Inc. | Add +3.0% | 1.73% | +0.32 |
| SCHF Schwab Intl Equity ETF | Add +8.8% | 3.83% | +0.25 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +4.7% | 2.26% | +0.16 |
| SCHO Schwab Short-Term US Treas | Add +6.8% | 7.33% | +0.12 |
| XYZ Block Inc. | New | 0.10% | +0.10 |
| COST Costco Wholesale Corp. | Add +48.3% | 0.39% | +0.09 |
| HYD Vaneck High Yield Muni ETF | Add +80.1% | 0.19% | +0.08 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +139.2% | 0.13% | +0.07 |
| LLY Eli Lilly & Co. | Add +2.3% | 0.23% | +0.06 |
| XLRE SS Real Estate Select Sector | Add +17.6% | 0.84% | +0.06 |
| UPS United Parcel Service Class B | Add +3.9% | 0.38% | +0.06 |
| FCX Freeport-McMoran Inc. | Add +40.5% | 0.13% | +0.05 |
| QQQ Invesco QQQ Trust Series 1 | Add +59.5% | 0.14% | +0.05 |
| BMY Bristol-Myers Squibb Co. | New | 0.05% | +0.05 |
| CMF iShares California Muni Bond | New | 0.05% | +0.05 |
| EPI Wisdomtree India Earnings | New | 0.05% | +0.05 |
| CALI Ishrs SH-TRM Ca Muni Act ETF | Add +119.7% | 0.09% | +0.05 |
| BCS Barclays PLC-Spons ADR | New | 0.04% | +0.04 |
| SCHW Schwab (charles) Corp. | Add +17.4% | 0.28% | +0.04 |
| AMD Advanced Micro Devices | New | 0.04% | +0.04 |
| JNJ Johnson & Johnson | Add +1.9% | 0.53% | +0.04 |
| TGT Target Corp. | Add +24.7% | 0.17% | +0.04 |
| GEV GE Vernova Inc. | New | 0.04% | +0.04 |
| TJX TJX Companies Inc. | New | 0.04% | +0.04 |
| VMBS Vanguard Mortgage-Backed Sec | Add +6.2% | 2.39% | +0.04 |
| VCIT Vanguard Int-Term Corporate | Add +6.9% | 2.43% | +0.04 |
| SCHR Schwab Intermediate-Term US | Add +5.6% | 7.15% | +0.03 |
| VTEC Vanguard Ca Tax-Ex Bond | Add +11.5% | 0.42% | +0.03 |
| VEA Vanguard Ftse Developed ETF | Add +16.2% | 0.20% | +0.03 |
| XOM Exxon Mobil Corp. | Add +1.0% | 0.93% | +0.02 |
| WMT Walmart Inc. | Add +0.0% | 0.72% | +0.02 |
| IWM iShares Russell 2000 ETF | Add +35.2% | 0.08% | +0.02 |
| VWOB Vanguard Emerg MKTS Gov BND | Add +22.6% | 0.13% | +0.02 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +7.8% | 0.21% | +0.02 |
| AMZN Amazon.com Inc. | Add +0.5% | 1.24% | +0.01 |
| IBM Intl Business Machines Corp. | Add +0.4% | 1.53% | +0.01 |
| SUB iShares Short-Term National | Add +6.8% | 0.39% | +0.01 |
| ORCL Oracle Corp. | Add +73.8% | 0.05% | +0.01 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +15.4% | 0.05% | +0.01 |
| INTC Intel Corp. | Add +0.0% | 0.09% | +0.00 |
| TFC Truist Financial Corp. | Add +0.0% | 0.14% | +0.00 |
| O Realty Income Corp. | Add +16.2% | 0.13% | +0.00 |
| SHEL Shell PLC-ADR | Add +5.7% | 0.07% | +0.00 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +5.2% | 0.68% | +0.00 |
| V Visa Inc. Class A | Add +2.5% | 0.19% | +0.00 |
| GE General Electric | Add +2.5% | 0.07% | 0.00 |
| QUAL iShares MSCI USA Quality Fac | Add +1.4% | 0.18% | −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 |