Roger Wittlin Investment Advisory, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 20, 2026), Roger Wittlin Investment Advisory, LLC reported 39 stock positions worth $143.0 million. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 21.1% of the portfolio, followed by iShares Core S&P 500 ETF (IVV, 13.7%) and iShares Core S&P Total U.S. (ITOT, 9.8%). Compared with Q3 2025, it opened 3 new positions, sold out of 5, added to 7 and reduced 29. The biggest buy was iShares Gold Trust (IAU, shares +5%) and the biggest sale PIMCO Senior Loan Active ETF (LONZ, shares −36%).
- Most Recent 13F
- Q2 2026
- Location
- San Francisco, CA
- CIK
- 0001911328
- Portfolio Value
- $143.0M (Q4 2025)
- SEC Filing
- 0001172661-26-000229 ↗ filed Jan 20, 2026
Holdings Value
Holdings 39 stocks · $143.0M
| VTI VG Morningstar TS MKT ETF-US | 21.10% | 89,999 | $30.2M | Reduce -19.2% |
| IVV iShares Core S&P 500 ETF | 13.68% | 28,556 | $19.6M | Reduce -24.2% |
| ITOT iShares Core S&P Total U.S. | 9.79% | 94,193 | $14.0M | Reduce -15.1% |
| SCHB Schwab US Broad Market ETF | 9.14% | 498,333 | $13.1M | Reduce -15.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 6.11% | 12,821 | $8.7M | Reduce -12.4% |
| LONZ PIMCO Senior Loan Active ETF | 5.25% | 149,349 | $7.5M | Reduce -35.9% |
| QQQ Invesco QQQ Trust Series 1 | 3.67% | 8,553 | $5.3M | Reduce -30.8% |
| VLU SS SPDR S&P 1500 Value Tilt | 3.53% | 23,959 | $5.0M | Reduce -39.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 3.27% | 16,110 | $4.7M | Reduce -13.9% |
| BOND PIMCO Active Bond Exchange-T | 2.63% | 40,421 | $3.8M | Reduce -18.5% |
| VXUS Vanguard Total Intl Stock | 2.47% | 46,844 | $3.5M | Add +4.9% |
| RSP Invesco S&P 500 Equal Weight | 2.16% | 16,159 | $3.1M | Reduce -26.3% |
| IAU iShares Gold Trust | 2.06% | 36,220 | $2.9M | Add +5.5% |
| VIG Vanguard Dividend Apprec ETF | 1.17% | 7,604 | $1.7M | Reduce -10.3% |
| BND Vanguard Total Bond Market | 1.15% | 22,103 | $1.6M | Reduce -29.4% |
| IEFA iShares Core MSCI Eafe ETF | 1.08% | 17,337 | $1.6M | Reduce -15.3% |
| SDY SS SPDR S&P Dividend ETF | 0.99% | 10,138 | $1.4M | Reduce -20.7% |
| MINT PIMCO Enhanced Short Maturit | 0.96% | 13,683 | $1.4M | Reduce -10.8% |
| VMBS Vanguard Mortgage-Backed Sec | 0.93% | 28,328 | $1.3M | Reduce -36.1% |
| GLD SPDR Gold Shares | 0.91% | 3,289 | $1.3M | Reduce -8.1% |
| PYLD PIMCO Multisector Bond Actv | 0.90% | 48,338 | $1.3M | Reduce -18.5% |
| IJH iShares Core S&P Midcap ETF | 0.79% | 17,143 | $1.1M | Reduce -50.0% |
| PLTR Palantir Technologies Inc. Class A | 0.66% | 5,336 | $948K | Reduce -55.5% |
| VOO Vanguard S&P 500 ETF | 0.66% | 1,496 | $938K | Reduce -48.2% |
| VGK Vanguard Ftse Europe ETF | 0.64% | 11,019 | $921K | Reduce -40.8% |
| SPMO Invesco S&P 500 Momentum ETF | 0.60% | 7,189 | $858K | Reduce -33.6% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.60% | 7,749 | $854K | Reduce -9.6% |
| AGG iShares Core U.S. Aggregate | 0.45% | 6,489 | $648K | Reduce -1.4% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.42% | 11,482 | $607K | Reduce -33.2% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.41% | 12,448 | $579K | Add +1.4% |
| SCHA Schwab US Small-Cap ETF | 0.31% | 15,504 | $442K | Reduce -0.2% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 0.24% | 12,591 | $343K | New |
| SHY iShares 1-3 Year Treasury Bo | 0.22% | 3,725 | $309K | Add +1.3% |
| VT Vanguard Tot World STK ETF | 0.21% | 2,114 | $298K | New |
| PLD Prologis Inc. | 0.19% | 2,131 | $272K | Add +0.6% |
| SCHF Schwab Intl Equity ETF | 0.18% | 10,834 | $260K | New |
| VCSH Vanguard S/T Corp. Bond ETF | 0.15% | 2,766 | $221K | Add +1.5% |
| EFA iShares MSCI Eafe ETF | 0.15% | 2,254 | $216K | Add +1.9% |
| FLRN SS SPDR BB Ig Float RT ETF | 0.14% | 6,599 | $203K | Reduce -11.7% |
Portfolio Sells Q3 2025 → Q4 2025
| LONZ PIMCO Senior Loan Active ETF | Reduce -35.9% | 5.25% | −1.36 |
| VLU SS SPDR S&P 1500 Value Tilt | Reduce -39.0% | 3.53% | −0.92 |
| PLTR Palantir Technologies Inc. Class A | Reduce -55.5% | 0.66% | −0.55 |
| IJH iShares Core S&P Midcap ETF | Reduce -50.0% | 0.79% | −0.45 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -30.8% | 3.67% | −0.45 |
| IVV iShares Core S&P 500 ETF | Reduce -24.2% | 13.68% | −0.34 |
| VOO Vanguard S&P 500 ETF | Reduce -48.2% | 0.66% | −0.33 |
| ICSH iShares Ultra Short Duration | Sold out | 0.00% | −0.27 |
| VMBS Vanguard Mortgage-Backed Sec | Reduce -36.1% | 0.93% | −0.22 |
| RBRK Rubrik Inc. Class A | Sold out | 0.00% | −0.22 |
| VNQ Vanguard Real Estate ETF | Sold out | 0.00% | −0.18 |
| VGK Vanguard Ftse Europe ETF | Reduce -40.8% | 0.64% | −0.18 |
| BND Vanguard Total Bond Market | Reduce -29.4% | 1.15% | −0.15 |
| RSP Invesco S&P 500 Equal Weight | Reduce -26.3% | 2.16% | −0.15 |
| VMRK Vivmark Residential | Sold out | 0.00% | −0.15 |
| VCIT Vanguard Int-Term Corporate | Sold out | 0.00% | −0.14 |
| SPMO Invesco S&P 500 Momentum ETF | Reduce -33.6% | 0.60% | −0.13 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -33.2% | 0.42% | −0.08 |
| SDY SS SPDR S&P Dividend ETF | Reduce -20.7% | 0.99% | −0.01 |
| FLRN SS SPDR BB Ig Float RT ETF | Reduce -11.7% | 0.14% | +0.01 |
| PYLD PIMCO Multisector Bond Actv | Reduce -18.5% | 0.90% | +0.02 |
| BOND PIMCO Active Bond Exchange-T | Reduce -18.5% | 2.63% | +0.06 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -9.6% | 0.60% | +0.07 |
| SCHA Schwab US Small-Cap ETF | Reduce -0.2% | 0.31% | +0.07 |
| AGG iShares Core U.S. Aggregate | Reduce -1.4% | 0.45% | +0.09 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -15.3% | 1.08% | +0.09 |
| MINT PIMCO Enhanced Short Maturit | Reduce -10.8% | 0.96% | +0.10 |
| VIG Vanguard Dividend Apprec ETF | Reduce -10.3% | 1.17% | +0.15 |
| GLD SPDR Gold Shares | Reduce -8.1% | 0.91% | +0.20 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -13.9% | 3.27% | +0.21 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -12.4% | 6.11% | +0.69 |
| SCHB Schwab US Broad Market ETF | Reduce -15.4% | 9.14% | +0.72 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -19.2% | 21.10% | +0.78 |
| ITOT iShares Core S&P Total U.S. | Reduce -15.1% | 9.79% | +0.81 |
Portfolio Buys Q3 2025 → Q4 2025
| IAU iShares Gold Trust | Add +5.5% | 2.06% | +0.67 |
| VXUS Vanguard Total Intl Stock | Add +4.9% | 2.47% | +0.65 |
| FNDX Schwab Fndmntl US LRG Co. ETF | New | 0.24% | +0.24 |
| VT Vanguard Tot World STK ETF | New | 0.21% | +0.21 |
| SCHF Schwab Intl Equity ETF | New | 0.18% | +0.18 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Add +1.4% | 0.41% | +0.09 |
| PLD Prologis Inc. | Add +0.6% | 0.19% | +0.06 |
| SHY iShares 1-3 Year Treasury Bo | Add +1.3% | 0.22% | +0.05 |
| EFA iShares MSCI Eafe ETF | Add +1.9% | 0.15% | +0.04 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +1.5% | 0.15% | +0.03 |
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 |