Roger Wittlin Investment Advisory, LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 12, 2025), Roger Wittlin Investment Advisory, LLC reported 43 stock positions worth $178.6 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 19.8% of the portfolio, followed by iShares Core S&P 500 ETF (IVV, 14.6%) and iShares Core S&P Total U.S. (ITOT, 9.5%). Compared with Q3 2024, it opened 2 new positions, sold out of 13, added to 25 and reduced 14. The biggest buy was iShares Core S&P Total U.S. (ITOT, shares +44%) and the biggest sale Vanguard Total Bond Market (BND, shares −59%).
- Most Recent 13F
- Q2 2026
- Location
- San Francisco, CA
- CIK
- 0001911328
- Portfolio Value
- $178.6M (Q4 2024)
- SEC Filing
- 0001172661-25-000714 ↗ filed Feb 12, 2025
Holdings Value
Holdings 43 stocks · $178.6M
| VTI VG Morningstar TS MKT ETF-US | 19.80% | 122,001 | $35.4M | Add +7.0% |
| IVV iShares Core S&P 500 ETF | 14.59% | 44,257 | $26.1M | Add +6.0% |
| ITOT iShares Core S&P Total U.S. | 9.51% | 132,051 | $17.0M | Add +44.2% |
| LONZ PIMCO Senior Loan Active ETF | 8.14% | 284,572 | $14.5M | Add +29.8% |
| SCHB Schwab US Broad Market ETF | 7.94% | 624,350 | $14.2M | Add +1.9% |
| SPY SS SPDR S&P 500 ETF Trust-US | 6.38% | 19,426 | $11.4M | Add +23.9% |
| VLU SS SPDR S&P 1500 Value Tilt | 4.20% | 40,725 | $7.5M | Add +0.6% |
| QQQ Invesco QQQ Trust Series 1 | 3.91% | 13,656 | $7.0M | Add +1.4% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 2.92% | 19,754 | $5.2M | Add +0.4% |
| RSP Invesco S&P 500 Equal Weight | 2.78% | 28,335 | $5.0M | Add +20.0% |
| BOND PIMCO Active Bond Exchange-T | 2.17% | 42,800 | $3.9M | Reduce -42.1% |
| MINT PIMCO Enhanced Short Maturit | 1.40% | 24,913 | $2.5M | New |
| VXUS Vanguard Total Intl Stock | 1.33% | 40,294 | $2.4M | Add +0.6% |
| VMBS Vanguard Mortgage-Backed Sec | 1.28% | 50,532 | $2.3M | Reduce -20.1% |
| BND Vanguard Total Bond Market | 1.26% | 31,371 | $2.3M | Reduce -58.6% |
| IJH iShares Core S&P Midcap ETF | 1.19% | 33,972 | $2.1M | Add +0.4% |
| PYLD PIMCO Multisector Bond Actv | 1.09% | 75,429 | $2.0M | Reduce -19.1% |
| SDY SS SPDR S&P Dividend ETF | 1.00% | 13,455 | $1.8M | Add +2.7% |
| VOO Vanguard S&P 500 ETF | 0.96% | 3,191 | $1.7M | Add +4.9% |
| VIG Vanguard Dividend Apprec ETF | 0.94% | 8,583 | $1.7M | Add +0.9% |
| IEFA iShares Core MSCI Eafe ETF | 0.71% | 18,042 | $1.3M | Reduce -24.1% |
| VGK Vanguard Ftse Europe ETF | 0.60% | 16,768 | $1.1M | Reduce -19.2% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.59% | 9,927 | $1.1M | Reduce -7.9% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.57% | 19,559 | $1.0M | Reduce -38.6% |
| PLTR Palantir Technologies Inc. Class A | 0.51% | 11,978 | $906K | Reduce -14.2% |
| GLD SPDR Gold Shares | 0.47% | 3,487 | $844K | Add +6.1% |
| IWN iShares Russell 2000 Value E | 0.42% | 4,598 | $755K | Add +94.9% |
| ICSH iShares Ultra Short Duration | 0.40% | 14,233 | $718K | Reduce -44.4% |
| FLRN SS SPDR BB Ig Float RT ETF | 0.37% | 21,414 | $658K | Reduce -22.2% |
| PLD Prologis Inc. | 0.35% | 5,956 | $630K | Reduce -28.7% |
| AGG iShares Core U.S. Aggregate | 0.27% | 4,942 | $479K | Reduce -44.8% |
| SCHA Schwab US Small-Cap ETF | 0.25% | 17,014 | $440K | Add +0.6% |
| VNQ Vanguard Real Estate ETF | 0.20% | 4,072 | $363K | Add +1.8% |
| RBRK Rubrik Inc. Class A | 0.19% | 5,300 | $346K | New |
| VT Vanguard Tot World STK ETF | 0.18% | 2,758 | $324K | Add +0.7% |
| VCIT Vanguard Int-Term Corporate | 0.18% | 3,979 | $319K | Add +1.5% |
| VMRK Vivmark Residential filed as EQUITY RESIDENTIAL | 0.18% | 4,404 | $316K | Add +0.9% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 0.18% | 13,200 | $313K | No change |
| IEF iShares 7-10 Year Treasury B | 0.15% | 2,972 | $275K | Add +1.3% |
| VHT Vanguard Health Care ETF | 0.13% | 892 | $226K | Add +0.7% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.12% | 2,710 | $211K | Add +1.4% |
| IAU iShares Gold Trust | 0.12% | 4,178 | $207K | No change |
| PGX Invesco Preferred ETF | 0.07% | 10,820 | $125K | Reduce -2.8% |
Portfolio Sells Q3 2024 → Q4 2024
| BND Vanguard Total Bond Market | Reduce -58.6% | 1.26% | −2.01 |
| BOND PIMCO Active Bond Exchange-T | Reduce -42.1% | 2.17% | −1.86 |
| TLT iShares 20+ Year Treasury BD | Sold out | 0.00% | −0.69 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Sold out | 0.00% | −0.50 |
| VMBS Vanguard Mortgage-Backed Sec | Reduce -20.1% | 1.28% | −0.43 |
| SCHF Schwab Intl Equity ETF | Sold out | 0.00% | −0.40 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -38.6% | 0.57% | −0.40 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -24.1% | 0.71% | −0.36 |
| ICSH iShares Ultra Short Duration | Reduce -44.4% | 0.40% | −0.35 |
| PYLD PIMCO Multisector Bond Actv | Reduce -19.1% | 1.09% | −0.33 |
| PLD Prologis Inc. | Reduce -28.7% | 0.35% | −0.25 |
| AGG iShares Core U.S. Aggregate | Reduce -44.8% | 0.27% | −0.25 |
| VGK Vanguard Ftse Europe ETF | Reduce -19.2% | 0.60% | −0.25 |
| AAPL Apple Inc. | Sold out | 0.00% | −0.22 |
| MSFT Microsoft Corp. | Sold out | 0.00% | −0.21 |
| SPYD SS SPDR P S&P 500 Hi Div ETF | Sold out | 0.00% | −0.19 |
| NVDA Nvidia Corp. | Sold out | 0.00% | −0.17 |
| GOOGL Alphabet Inc. Class A | Sold out | 0.00% | −0.14 |
| AMZN Amazon.com Inc. | Sold out | 0.00% | −0.13 |
| JNK SS SPDR BB High Yield Bond | Sold out | 0.00% | −0.12 |
| EFA iShares MSCI Eafe ETF | Sold out | 0.00% | −0.12 |
| FLRN SS SPDR BB Ig Float RT ETF | Reduce -22.2% | 0.37% | −0.12 |
| BKLN Invesco Senior Loan ETF | Sold out | 0.00% | −0.12 |
| SCHQ Schwab Long-Term US Treasury | Sold out | 0.00% | −0.12 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -7.9% | 0.59% | −0.11 |
| PGX Invesco Preferred ETF | Reduce -2.8% | 0.07% | −0.01 |
| PLTR Palantir Technologies Inc. Class A | Reduce -14.2% | 0.51% | +0.21 |
Portfolio Buys Q3 2024 → Q4 2024
| ITOT iShares Core S&P Total U.S. | Add +44.2% | 9.51% | +2.90 |
| LONZ PIMCO Senior Loan Active ETF | Add +29.8% | 8.14% | +1.69 |
| MINT PIMCO Enhanced Short Maturit | New | 1.40% | +1.40 |
| VTI VG Morningstar TS MKT ETF-US | Add +7.0% | 19.80% | +1.23 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +23.9% | 6.38% | +1.20 |
| IVV iShares Core S&P 500 ETF | Add +6.0% | 14.59% | +0.74 |
| RSP Invesco S&P 500 Equal Weight | Add +20.0% | 2.78% | +0.35 |
| IWN iShares Russell 2000 Value E | Add +94.9% | 0.42% | +0.20 |
| RBRK Rubrik Inc. Class A | New | 0.19% | +0.19 |
| QQQ Invesco QQQ Trust Series 1 | Add +1.4% | 3.91% | +0.13 |
| SCHB Schwab US Broad Market ETF | Add +1.9% | 7.94% | +0.12 |
| VOO Vanguard S&P 500 ETF | Add +4.9% | 0.96% | +0.04 |
| GLD SPDR Gold Shares | Add +6.1% | 0.47% | +0.01 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +1.4% | 0.12% | −0.00 |
| SCHA Schwab US Small-Cap ETF | Add +0.6% | 0.25% | −0.00 |
| VT Vanguard Tot World STK ETF | Add +0.7% | 0.18% | −0.01 |
| VMRK Vivmark Residential | Add +0.9% | 0.18% | −0.01 |
| VCIT Vanguard Int-Term Corporate | Add +1.5% | 0.18% | −0.01 |
| IEF iShares 7-10 Year Treasury B | Add +1.3% | 0.15% | −0.01 |
| VHT Vanguard Health Care ETF | Add +0.7% | 0.13% | −0.02 |
| VNQ Vanguard Real Estate ETF | Add +1.8% | 0.20% | −0.02 |
| IJH iShares Core S&P Midcap ETF | Add +0.4% | 1.19% | −0.03 |
| VIG Vanguard Dividend Apprec ETF | Add +0.9% | 0.94% | −0.03 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +0.4% | 2.92% | −0.06 |
| SDY SS SPDR S&P Dividend ETF | Add +2.7% | 1.00% | −0.07 |
| VLU SS SPDR S&P 1500 Value Tilt | Add +0.6% | 4.20% | −0.10 |
| VXUS Vanguard Total Intl Stock | Add +0.6% | 1.33% | −0.16 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 43 | $127.3M | VTI, IVV, ITOT, SPY, VXUS |
| Q1 2026 | 39 | $122.3M | VTI, IVV, ITOT, SCHB, SPY |
| Q4 2025 | 39 | $143.0M | VTI, IVV, ITOT, SCHB, SPY |
| Q3 2025 | 41 | $179.9M | VTI, IVV, ITOT, SCHB, LONZ |
| Q2 2025 | 43 | $179.4M | VTI, IVV, ITOT, SCHB, LONZ |
| Q1 2025 | 43 | $170.9M | VTI, IVV, ITOT, LONZ, SCHB |
| Q4 2024 | 43 | $178.6M | VTI, IVV, ITOT, LONZ, SCHB |
| Q3 2024 | 54 | $173.8M | VTI, IVV, SCHB, ITOT, LONZ |
| Q2 2024 | 49 | $155.8M | VTI, IVV, SCHB, ITOT, LONZ |
| Q1 2024 | 46 | $142.6M | VTI, IVV, SCHB, ITOT, LONZ |