FLC Capital Advisors
In its 13F for Q1 2026 (holdings as of March 31, 2026, filed May 4, 2026), FLC Capital Advisors reported 214 stock positions worth $551.3 million. Its top holding was Schwab Short-Term US Treas (SCHO) at 7.6% of the portfolio, followed by Vanguard Mrngstr Val ETF-Aui (VTV, 7.6%) and Schwab Intermediate-Term US (SCHR, 7.3%). Compared with Q4 2025, it opened 15 new positions, sold out of 10, added to 58 and reduced 92. The biggest buy was Vanguard Mrngstr Val ETF-Aui (VTV, shares +5%) and the biggest sale Intl Business Machines (IBM, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- PALM DESERT, CA
- CIK
- 0001713697
- Portfolio Value
- $551.3M (Q1 2026)
- SEC Filing
- 0001713697-26-000003 ↗ filed May 4, 2026
Holdings Value
Holdings 214 stocks · $551.3M
| SCHO Schwab Short-Term US Treas | 7.57% | 1,718,824 | $41.7M | Add +5.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 7.56% | 212,502 | $41.7M | Add +4.7% |
| SCHR Schwab Intermediate-Term US | 7.34% | 1,624,915 | $40.5M | Add +5.2% |
| SCHG Schwab US Large-Cap Growth | 6.06% | 1,146,145 | $33.4M | Add +4.6% |
| SCHF Schwab Intl Equity ETF | 3.99% | 889,185 | $22.0M | Add +3.1% |
| AAPL Apple Inc. | 3.74% | 81,159 | $20.6M | Add +1.2% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 3.04% | 636,658 | $16.7M | Add +4.1% |
| EMXC iShares MSCI Emr MRK Ex Chna | 2.49% | 174,343 | $13.7M | Add +3.4% |
| VCIT Vanguard Int-Term Corporate | 2.47% | 164,754 | $13.6M | Add +4.9% |
| VMBS Vanguard Mortgage-Backed Sec | 2.43% | 285,094 | $13.4M | Add +3.5% |
| MRK Merck & Co. Inc. | 1.91% | 87,402 | $10.5M | Reduce -2.0% |
| IWF iShares Russell 1000 Growth | 1.83% | 23,682 | $10.1M | Reduce -0.8% |
| BWX SS SPDR BB Intl Treasury BD | 1.72% | 431,181 | $9.5M | Reduce -0.7% |
| CVX Chevron Corp. | 1.69% | 45,120 | $9.3M | Reduce -3.1% |
| XAR SS SPDR S&P Aerospace Def | 1.57% | 34,082 | $8.7M | Add +0.7% |
| GOOGL Alphabet Inc. Class A | 1.53% | 29,396 | $8.5M | Add +3.5% |
| SMLF iShares US Smallcap Equity F | 1.41% | 103,033 | $7.8M | Add +3.9% |
| MSFT Microsoft Corp. | 1.40% | 20,912 | $7.7M | Add +2.2% |
| XOM Exxon Mobil Corp. | 1.28% | 41,550 | $7.0M | Reduce -0.7% |
| AMZN Amazon.com Inc. | 1.27% | 33,612 | $7.0M | Add +15.9% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 1.22% | 27,856 | $6.8M | Reduce -0.7% |
| GOOG Alphabet Inc. Class C | 1.15% | 22,026 | $6.3M | Reduce -0.9% |
| IVV iShares Core S&P 500 ETF | 1.12% | 9,443 | $6.2M | Add +0.8% |
| NVDA Nvidia Corp. | 1.04% | 32,972 | $5.8M | Reduce -2.9% |
| SCHD Schwab US DVD Equity ETF | 0.95% | 170,299 | $5.2M | Add +0.4% |
| XLRE SS Real Estate Select Sector | 0.90% | 121,233 | $4.9M | Add +8.1% |
| ENB Enbridge Inc. | 0.89% | 90,386 | $4.9M | Reduce -4.7% |
| JPM JPMorgan Chase & Co. | 0.86% | 16,129 | $4.7M | Add +1.3% |
| META Meta Platforms Inc. Class A | 0.80% | 7,672 | $4.4M | Reduce -3.9% |
| EPD Enterprise Products Partners | 0.77% | 111,463 | $4.2M | Reduce -1.5% |
| VIG Vanguard Dividend Apprec ETF | 0.75% | 19,233 | $4.1M | No change |
| WMT Walmart Inc. | 0.75% | 33,195 | $4.1M | Reduce -4.9% |
| CAT Caterpillar Inc. | 0.74% | 5,788 | $4.1M | Reduce -5.2% |
| BSV Vanguard Short-Term Bond ETF | 0.72% | 50,724 | $4.0M | Add +3.0% |
| VBIL Vanguard 0-3M T-Bill ETF | 0.70% | 50,690 | $3.8M | Add +3.5% |
| ESGU iShares ESG Aware MSCI USA | 0.61% | 23,969 | $3.4M | Reduce -0.4% |
| JNJ Johnson & Johnson | 0.61% | 13,757 | $3.4M | Reduce -0.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.59% | 6,806 | $3.3M | Reduce -7.8% |
| GLTR Abrdn Precious Metals Basket | 0.50% | 12,533 | $2.7M | Reduce -4.8% |
| TSM Taiwan Semiconductor-SP ADR | 0.48% | 7,852 | $2.7M | Add +3.2% |
| IJH iShares Core S&P Midcap ETF | 0.48% | 39,105 | $2.6M | Reduce -5.2% |
| DFAS Dimensional US Small Cap ETF | 0.47% | 36,372 | $2.6M | Reduce -3.6% |
| VTEC Vanguard Ca Tax-Ex Bond | 0.47% | 26,015 | $2.6M | Add +15.2% |
| COST Costco Wholesale Corp. | 0.44% | 2,417 | $2.4M | Reduce -1.6% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.42% | 8,030 | $2.3M | Reduce -5.4% |
| PM Philip Morris International | 0.41% | 13,785 | $2.3M | Reduce -5.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.41% | 7,003 | $2.2M | No change |
| NEE Nextera Energy Inc. | 0.40% | 23,597 | $2.2M | Reduce -0.9% |
| SUB iShares Short-Term National | 0.39% | 20,334 | $2.2M | Add +3.3% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.39% | 44,188 | $2.2M | Reduce -0.7% |
| PFE Pfizer Inc. | 0.35% | 68,852 | $1.9M | Reduce -2.3% |
| UPS United Parcel Service Class B | 0.33% | 18,769 | $1.8M | Reduce -9.5% |
| VYMI Vanguard Int High DVD YLD Inc. | 0.32% | 18,460 | $1.7M | Add +45.1% |
| ITA iShares U.S. Aerospace & Def | 0.30% | 7,602 | $1.7M | Reduce -3.3% |
| CMI Cummins Inc. | 0.28% | 2,920 | $1.6M | No change |
| SCHW Schwab (charles) Corp. | 0.27% | 15,821 | $1.5M | Add +2.7% |
| NFLX Netflix Inc. | 0.27% | 15,315 | $1.5M | Reduce -0.9% |
| CSCO Cisco Systems Inc. | 0.27% | 18,901 | $1.5M | Reduce -0.1% |
| PANW Palo Alto Networks Inc. | 0.26% | 9,066 | $1.5M | Add +10.9% |
| RTX RTX Corp. | 0.24% | 6,931 | $1.3M | Reduce -4.0% |
| HYD Vaneck High Yield Muni ETF | 0.24% | 26,089 | $1.3M | Add +28.0% |
| IJR iShares Core S&P Small-Cap E | 0.23% | 10,283 | $1.3M | Reduce -5.5% |
| QCOM Qualcomm Inc. | 0.22% | 9,419 | $1.2M | Add +0.5% |
| CME Cme Group Inc. | 0.22% | 4,039 | $1.2M | Reduce -48.0% |
| SLV iShares Silver Trust | 0.21% | 17,182 | $1.2M | Add +4.1% |
| TGT Target Corp. | 0.21% | 9,594 | $1.2M | Reduce -0.0% |
| VEA Vanguard Ftse Developed ETF | 0.21% | 18,101 | $1.2M | Add +6.0% |
| ABBV Abbvie Inc. | 0.21% | 5,262 | $1.1M | Reduce -2.1% |
| TSLA Tesla Inc. | 0.21% | 3,068 | $1.1M | Reduce -1.2% |
| ARCC Ares Capital Corp. | 0.20% | 62,195 | $1.1M | Add +21.7% |
| AVGO Broadcom Inc. | 0.19% | 3,340 | $1.0M | Add +5.4% |
| LLY Eli Lilly & Co. | 0.19% | 1,111 | $1.0M | Reduce -4.8% |
| B Barrick Mining Corp. | 0.18% | 24,980 | $1.0M | Reduce -4.0% |
| UBER Uber Technologies Inc. | 0.18% | 13,748 | $989K | Add +4.7% |
| VZ Verizon Communications Inc. | 0.18% | 19,268 | $967K | Reduce -0.0% |
| KLAC KLA Corp. | 0.17% | 647 | $953K | Reduce -11.0% |
| QUAL iShares MSCI USA Quality Fac | 0.17% | 4,894 | $939K | No change |
| V Visa Inc. Class A | 0.17% | 3,061 | $925K | Add +2.9% |
| CALI Ishrs SH-TRM Ca Muni Act ETF | 0.16% | 17,912 | $903K | Add +91.2% |
| MA Mastercard Inc. Class A | 0.16% | 1,791 | $895K | Add +14.5% |
| MO Altria Group Inc. | 0.16% | 13,044 | $861K | Reduce -7.2% |
| SBUX Starbucks Corp. | 0.16% | 9,601 | $860K | Reduce -0.0% |
| FDX FedEx Corp. | 0.15% | 2,399 | $854K | No change |
| FFWM First Foundation Inc. | 0.15% | 144,557 | $853K | No change |
| FTNT Fortinet Inc. | 0.15% | 10,305 | $842K | No change |
| FCX Freeport-McMoran Inc. | 0.15% | 14,035 | $825K | Add +3.5% |
| T AT&T Inc. | 0.15% | 27,634 | $801K | Reduce -0.0% |
| O Realty Income Corp. | 0.14% | 12,744 | $780K | Add +3.6% |
| DXJ Wisdomtree Japan Hedged Eq | 0.14% | 4,878 | $774K | No change |
| MMM 3M Co. | 0.14% | 5,319 | $772K | Reduce -10.2% |
| VOO Vanguard S&P 500 ETF | 0.14% | 1,288 | $770K | Reduce -37.9% |
| VYM Vanguard High DVD Yield ETF | 0.14% | 5,167 | $765K | No change |
| CB Chubb Ltd. | 0.14% | 2,312 | $754K | No change |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.14% | 15,083 | $752K | Add +9.0% |
| EQIX Equinix Inc. | 0.13% | 758 | $743K | Reduce -0.1% |
| AMGN Amgen Inc. | 0.13% | 2,086 | $734K | No change |
| TFC Truist Financial Corp. | 0.13% | 15,849 | $729K | Reduce -0.0% |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | 0.13% | 64,446 | $724K | Reduce -8.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.13% | 1,647 | $719K | Add +1.5% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.13% | 1 | $718K | No change |
Options reported separately and not counted above: GOOGL puts ($2.2M), AAPL puts ($1.9M), TSM puts ($1.6M), AMZN puts ($896K), CAT puts ($850K), NVDA puts ($785K), B puts ($653K).
Portfolio Sells Q4 2025 → Q1 2026
| IBM Intl Business Machines Corp. | Reduce -0.7% | 1.22% | −0.31 |
| IWF iShares Russell 1000 Growth | Reduce -0.8% | 1.83% | −0.25 |
| META Meta Platforms Inc. Class A | Reduce -3.9% | 0.80% | −0.18 |
| CME Cme Group Inc. | Reduce -48.0% | 0.22% | −0.18 |
| GOOG Alphabet Inc. Class C | Reduce -0.9% | 1.15% | −0.14 |
| NVDA Nvidia Corp. | Reduce -2.9% | 1.04% | −0.13 |
| CRM Salesforce Inc. | Reduce -20.9% | 0.13% | −0.11 |
| VOO Vanguard S&P 500 ETF | Reduce -37.9% | 0.14% | −0.10 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -7.8% | 0.59% | −0.09 |
| BWX SS SPDR BB Intl Treasury BD | Reduce -0.7% | 1.72% | −0.09 |
| BXSL Blackstone Secured Lending F | Sold out | 0.00% | −0.07 |
| DY Dycom Industries Inc. | Sold out | 0.00% | −0.07 |
| BAC Bank of America Corp. | Reduce -0.7% | 0.39% | −0.06 |
| FSK FS KKR Capital Corp. | Sold out | 0.00% | −0.05 |
| TSLA Tesla Inc. | Reduce -1.2% | 0.21% | −0.05 |
| DIS The Walt Disney Co. | Reduce -19.1% | 0.10% | −0.05 |
| SAP Sap SE-Sponsored ADR | Sold out | 0.00% | −0.05 |
| ESGU iShares ESG Aware MSCI USA | Reduce -0.4% | 0.61% | −0.05 |
| LLY Eli Lilly & Co. | Reduce -4.8% | 0.19% | −0.05 |
| UPS United Parcel Service Class B | Reduce -9.5% | 0.33% | −0.04 |
| KHC The Kraft Heinz Co. | Reduce -45.0% | 0.04% | −0.04 |
| BOOT Boot Barn Holdings Inc. | Sold out | 0.00% | −0.04 |
| TTWO Take-Two Interactive Softwre | Sold out | 0.00% | −0.04 |
| NKE Nike Inc. Class B | Sold out | 0.00% | −0.04 |
| BCS Barclays PLC-Spons ADR | Sold out | 0.00% | −0.04 |
| ADBE Adobe Inc. | Reduce -28.1% | 0.04% | −0.04 |
| IHI iShares U.S. Medical Devices | Sold out | 0.00% | −0.04 |
| PYPL PayPal Holdings Inc. | Sold out | 0.00% | −0.04 |
| ABT Abbott Laboratories | Reduce -16.9% | 0.07% | −0.04 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -5.4% | 0.42% | −0.04 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -20.3% | 0.10% | −0.04 |
| MMM 3M Co. | Reduce -10.2% | 0.14% | −0.04 |
| NOW ServiceNow Inc. | Reduce -9.9% | 0.04% | −0.03 |
| B Barrick Mining Corp. | Reduce -4.0% | 0.18% | −0.02 |
| LMT Lockheed Martin Corp. | Reduce -44.2% | 0.05% | −0.02 |
| IJH iShares Core S&P Midcap ETF | Reduce -5.2% | 0.48% | −0.02 |
| XLK SS Technology Select Sector | Reduce -6.7% | 0.13% | −0.02 |
| XNEAX Nuveen Amt-FR QLTY Muni Inc. | Reduce -8.5% | 0.13% | −0.02 |
| ABBV Abbvie Inc. | Reduce -2.1% | 0.21% | −0.02 |
| BABA Alibaba Group Holding-SP ADR | Reduce -5.3% | 0.07% | −0.02 |
| DFAS Dimensional US Small Cap ETF | Reduce -3.6% | 0.47% | −0.02 |
| PM Philip Morris International | Reduce -5.0% | 0.41% | −0.02 |
| WFC Wells Fargo & Co. | Reduce -0.2% | 0.08% | −0.02 |
| PFFD Global X US Preferred ETF | Reduce -14.9% | 0.07% | −0.02 |
| AXP American Express Co. | Reduce -0.1% | 0.05% | −0.01 |
| TFC Truist Financial Corp. | Reduce -0.0% | 0.13% | −0.01 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -5.1% | 0.11% | −0.01 |
| XLV SS Health Care Select Sector | Reduce -2.4% | 0.11% | −0.01 |
| HD Home Depot Inc. | Reduce -3.5% | 0.10% | −0.01 |
| ITA iShares U.S. Aerospace & Def | Reduce -3.3% | 0.30% | −0.01 |
Portfolio Buys Q4 2025 → Q1 2026
| VTV Vanguard Mrngstr Val ETF-Aui | Add +4.7% | 7.56% | +0.41 |
| SCHO Schwab Short-Term US Treas | Add +5.5% | 7.57% | +0.24 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +3.4% | 2.49% | +0.23 |
| SCHR Schwab Intermediate-Term US | Add +5.2% | 7.34% | +0.19 |
| SCHF Schwab Intl Equity ETF | Add +3.1% | 3.99% | +0.17 |
| VYMI Vanguard Int High DVD YLD Inc. | Add +45.1% | 0.32% | +0.10 |
| SCHD Schwab US DVD Equity ETF | Add +0.4% | 0.95% | +0.09 |
| CALI Ishrs SH-TRM Ca Muni Act ETF | Add +91.2% | 0.16% | +0.08 |
| NVO Novo-Nordisk A/S-Spons ADR | New | 0.07% | +0.07 |
| VCSH Vanguard S/T Corp. Bond ETF | New | 0.07% | +0.07 |
| XLRE SS Real Estate Select Sector | Add +8.1% | 0.90% | +0.06 |
| XAR SS SPDR S&P Aerospace Def | Add +0.7% | 1.57% | +0.06 |
| CMF iShares California Muni Bond | Add +132.8% | 0.11% | +0.06 |
| WM Waste Management Inc. | New | 0.06% | +0.06 |
| TSM Taiwan Semiconductor-SP ADR | Add +3.2% | 0.48% | +0.05 |
| INTU Intuit Inc. | New | 0.05% | +0.05 |
| CIEN Ciena Corp. | New | 0.05% | +0.05 |
| VTEC Vanguard Ca Tax-Ex Bond | Add +15.2% | 0.47% | +0.05 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Add +4.1% | 3.04% | +0.05 |
| HYD Vaneck High Yield Muni ETF | Add +28.0% | 0.24% | +0.04 |
| AEIS Advanced Energy Industries | New | 0.04% | +0.04 |
| DFCA Dimensional Calfornia MB ETF | New | 0.04% | +0.04 |
| GS Goldman Sachs Group Inc. | Add +108.3% | 0.09% | +0.04 |
| VCIT Vanguard Int-Term Corporate | Add +4.9% | 2.47% | +0.04 |
| ED Consolidated Edison Inc. | New | 0.04% | +0.04 |
| SMLF iShares US Smallcap Equity F | Add +3.9% | 1.41% | +0.04 |
| IYM iShares U.S. Basic Materials | New | 0.04% | +0.04 |
| TPR Tapestry Inc. | New | 0.04% | +0.04 |
| IEFA iShares Core MSCI Eafe ETF | New | 0.04% | +0.04 |
| VT Vanguard Tot World STK ETF | New | 0.04% | +0.04 |
| MRVL Marvell Technology Inc. | New | 0.04% | +0.04 |
| SLB SLB Ltd. | New | 0.04% | +0.04 |
| COP Conocophillips | New | 0.04% | +0.04 |
| AMZN Amazon.com Inc. | Add +15.9% | 1.27% | +0.03 |
| VMBS Vanguard Mortgage-Backed Sec | Add +3.5% | 2.43% | +0.03 |
| ET Energy Transfer LP | Add +30.2% | 0.09% | +0.03 |
| GEV GE Vernova Inc. | Add +26.7% | 0.06% | +0.02 |
| LRCX Lam Research Corp. | Add +15.1% | 0.08% | +0.02 |
| FCX Freeport-McMoran Inc. | Add +3.5% | 0.15% | +0.02 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Add +31.3% | 0.07% | +0.02 |
| ORCL Oracle Corp. | Add +81.8% | 0.06% | +0.02 |
| VLUE iShares MSCI USA Value Facto | Add +16.6% | 0.10% | +0.02 |
| SLV iShares Silver Trust | Add +4.1% | 0.21% | +0.02 |
| VBIL Vanguard 0-3M T-Bill ETF | Add +3.5% | 0.70% | +0.01 |
| O Realty Income Corp. | Add +3.6% | 0.14% | +0.01 |
| VEA Vanguard Ftse Developed ETF | Add +6.0% | 0.21% | +0.01 |
| ARCC Ares Capital Corp. | Add +21.7% | 0.20% | +0.01 |
| AMD Advanced Micro Devices | Add +34.5% | 0.05% | +0.01 |
| MUB iShares National Muni Bond E | Add +23.7% | 0.06% | +0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +9.0% | 0.14% | +0.01 |
Options Activity Q4 2025 → Q1 2026
| GOOGL Alphabet Inc. Class A | put | New | 7,500 | $2.2M |
| AAPL Apple Inc. | put | New | 7,500 | $1.9M |
| TSM Taiwan Semiconductor-SP ADR | put | New | 4,700 | $1.6M |
| AMZN Amazon.com Inc. | put | New | 4,300 | $896K |
| CAT Caterpillar Inc. | put | New | 1,200 | $850K |
| NVDA Nvidia Corp. | put | New | 4,500 | $785K |
| B Barrick Mining Corp. | put | New | 16,000 | $653K |
Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.
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 |