Roger Wittlin Investment Advisory, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 27, 2025), Roger Wittlin Investment Advisory, LLC reported 41 stock positions worth $179.9 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 20.3% of the portfolio, followed by iShares Core S&P 500 ETF (IVV, 14.0%) and iShares Core S&P Total U.S. (ITOT, 9.0%). Compared with Q2 2025, it opened 1 new position, sold out of 3, added to 10 and reduced 29. The biggest buy was iShares Gold Trust (IAU, shares +276%) and the biggest sale PIMCO Enhanced Short Maturit (MINT, shares −50%).
- Most Recent 13F
- Q2 2026
- Location
- San Francisco, CA
- CIK
- 0001911328
- Portfolio Value
- $179.9M (Q3 2025)
- SEC Filing
- 0001172661-25-004429 ↗ filed Oct 27, 2025
Holdings Value
Holdings 41 stocks · $179.9M
| VTI VG Morningstar TS MKT ETF-US | 20.32% | 111,383 | $36.6M | Reduce -4.7% |
| IVV iShares Core S&P 500 ETF | 14.02% | 37,668 | $25.2M | Reduce -8.4% |
| ITOT iShares Core S&P Total U.S. | 8.98% | 110,922 | $16.2M | Reduce -1.2% |
| SCHB Schwab US Broad Market ETF | 8.42% | 588,968 | $15.1M | Reduce -5.1% |
| LONZ PIMCO Senior Loan Active ETF | 6.61% | 232,831 | $11.9M | Reduce -7.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 5.42% | 14,637 | $9.8M | Reduce -14.8% |
| VLU SS SPDR S&P 1500 Value Tilt | 4.45% | 39,252 | $8.0M | Reduce -6.9% |
| QQQ Invesco QQQ Trust Series 1 | 4.13% | 12,361 | $7.4M | Reduce -6.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 3.06% | 18,721 | $5.5M | Reduce -0.4% |
| BOND PIMCO Active Bond Exchange-T | 2.57% | 49,571 | $4.6M | Reduce -11.9% |
| RSP Invesco S&P 500 Equal Weight | 2.31% | 21,935 | $4.2M | Reduce -0.2% |
| VXUS Vanguard Total Intl Stock | 1.82% | 44,654 | $3.3M | Reduce -0.4% |
| IAU iShares Gold Trust | 1.39% | 34,334 | $2.5M | Add +276.1% |
| BND Vanguard Total Bond Market | 1.29% | 31,297 | $2.3M | Reduce -11.2% |
| IJH iShares Core S&P Midcap ETF | 1.24% | 34,282 | $2.2M | Add +0.3% |
| PLTR Palantir Technologies Inc. Class A | 1.21% | 11,978 | $2.2M | No change |
| VMBS Vanguard Mortgage-Backed Sec | 1.16% | 44,328 | $2.1M | Reduce -4.0% |
| VIG Vanguard Dividend Apprec ETF | 1.02% | 8,482 | $1.8M | Reduce -0.6% |
| SDY SS SPDR S&P Dividend ETF | 0.99% | 12,778 | $1.8M | Reduce -5.0% |
| IEFA iShares Core MSCI Eafe ETF | 0.99% | 20,481 | $1.8M | Add +14.9% |
| VOO Vanguard S&P 500 ETF | 0.98% | 2,890 | $1.8M | Reduce -3.8% |
| PYLD PIMCO Multisector Bond Actv | 0.88% | 59,283 | $1.6M | Reduce -16.6% |
| MINT PIMCO Enhanced Short Maturit | 0.86% | 15,340 | $1.5M | Reduce -49.9% |
| VGK Vanguard Ftse Europe ETF | 0.83% | 18,611 | $1.5M | Add +13.3% |
| SPMO Invesco S&P 500 Momentum ETF | 0.73% | 10,820 | $1.3M | Reduce -17.9% |
| GLD SPDR Gold Shares | 0.71% | 3,577 | $1.3M | Add +5.8% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.53% | 8,573 | $956K | Reduce -4.8% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.51% | 17,193 | $912K | Reduce -0.6% |
| AGG iShares Core U.S. Aggregate | 0.37% | 6,580 | $660K | Add +1.0% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.32% | 12,276 | $573K | Add +39.3% |
| ICSH iShares Ultra Short Duration | 0.27% | 9,572 | $486K | Reduce -10.8% |
| SCHA Schwab US Small-Cap ETF | 0.24% | 15,538 | $433K | Reduce -9.2% |
| RBRK Rubrik Inc. Class A | 0.22% | 4,817 | $396K | Reduce -6.0% |
| VNQ Vanguard Real Estate ETF | 0.18% | 3,639 | $333K | Reduce -12.4% |
| SHY iShares 1-3 Year Treasury Bo | 0.17% | 3,679 | $305K | Add +1.0% |
| VMRK Vivmark Residential filed as EQUITY RESIDENTIAL | 0.15% | 4,085 | $264K | Reduce -9.1% |
| VCIT Vanguard Int-Term Corporate | 0.14% | 3,052 | $257K | Reduce -27.4% |
| PLD Prologis Inc. | 0.13% | 2,119 | $243K | Add +1.9% |
| FLRN SS SPDR BB Ig Float RT ETF | 0.13% | 7,475 | $231K | Reduce -42.7% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.12% | 2,725 | $218K | Add +1.1% |
| EFA iShares MSCI Eafe ETF | 0.11% | 2,213 | $207K | New |
Portfolio Sells Q2 2025 → Q3 2025
| MINT PIMCO Enhanced Short Maturit | Reduce -49.9% | 0.86% | −0.86 |
| LONZ PIMCO Senior Loan Active ETF | Reduce -7.4% | 6.61% | −0.54 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -14.8% | 5.42% | −0.49 |
| BOND PIMCO Active Bond Exchange-T | Reduce -11.9% | 2.57% | −0.32 |
| IVV iShares Core S&P 500 ETF | Reduce -8.4% | 14.02% | −0.22 |
| VT Vanguard Tot World STK ETF | Sold out | 0.00% | −0.20 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Sold out | 0.00% | −0.18 |
| PYLD PIMCO Multisector Bond Actv | Reduce -16.6% | 0.88% | −0.17 |
| BND Vanguard Total Bond Market | Reduce -11.2% | 1.29% | −0.15 |
| VEA Vanguard Ftse Developed ETF | Sold out | 0.00% | −0.11 |
| SPMO Invesco S&P 500 Momentum ETF | Reduce -17.9% | 0.73% | −0.10 |
| FLRN SS SPDR BB Ig Float RT ETF | Reduce -42.7% | 0.13% | −0.10 |
| VLU SS SPDR S&P 1500 Value Tilt | Reduce -6.9% | 4.45% | −0.06 |
| VCIT Vanguard Int-Term Corporate | Reduce -27.4% | 0.14% | −0.05 |
| VMBS Vanguard Mortgage-Backed Sec | Reduce -4.0% | 1.16% | −0.04 |
| RBRK Rubrik Inc. Class A | Reduce -6.0% | 0.22% | −0.04 |
| ICSH iShares Ultra Short Duration | Reduce -10.8% | 0.27% | −0.03 |
| SDY SS SPDR S&P Dividend ETF | Reduce -5.0% | 0.99% | −0.02 |
| VMRK Vivmark Residential | Reduce -9.1% | 0.15% | −0.02 |
| VNQ Vanguard Real Estate ETF | Reduce -12.4% | 0.18% | −0.02 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -4.8% | 0.53% | −0.02 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -0.6% | 0.51% | −0.00 |
| SCHA Schwab US Small-Cap ETF | Reduce -9.2% | 0.24% | −0.00 |
| VOO Vanguard S&P 500 ETF | Reduce -3.8% | 0.98% | +0.03 |
| VIG Vanguard Dividend Apprec ETF | Reduce -0.6% | 1.02% | +0.04 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -6.5% | 4.13% | +0.06 |
| RSP Invesco S&P 500 Equal Weight | Reduce -0.2% | 2.31% | +0.09 |
| VXUS Vanguard Total Intl Stock | Reduce -0.4% | 1.82% | +0.10 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -0.4% | 3.06% | +0.12 |
| SCHB Schwab US Broad Market ETF | Reduce -5.1% | 8.42% | +0.17 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -4.7% | 20.32% | +0.52 |
| ITOT iShares Core S&P Total U.S. | Reduce -1.2% | 8.98% | +0.53 |
Portfolio Buys Q2 2025 → Q3 2025
| IAU iShares Gold Trust | Add +276.1% | 1.39% | +1.07 |
| IEFA iShares Core MSCI Eafe ETF | Add +14.9% | 0.99% | +0.17 |
| GLD SPDR Gold Shares | Add +5.8% | 0.71% | +0.13 |
| VGK Vanguard Ftse Europe ETF | Add +13.3% | 0.83% | +0.12 |
| EFA iShares MSCI Eafe ETF | New | 0.11% | +0.11 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +39.3% | 0.32% | +0.09 |
| IJH iShares Core S&P Midcap ETF | Add +0.3% | 1.24% | +0.06 |
| PLD Prologis Inc. | Add +1.9% | 0.13% | +0.01 |
| AGG iShares Core U.S. Aggregate | Add +1.0% | 0.37% | +0.01 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +1.1% | 0.12% | +0.00 |
| SHY iShares 1-3 Year Treasury Bo | Add +1.0% | 0.17% | +0.00 |
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 |