Data as of Q4 2025 (Dec 31, 2025)

FINANCIAL LIFE ADVISORS

•CIK: 1730813•Filing: Q4 2025

**FINANCIAL LIFE ADVISORS** manages $324M across a diversified portfolio of 53 positions. The strategy shows significant overweighting toward core market exposure, notably with IVW ($43.8M) and IVE ($35.2M) anchoring the top holdings. Further concentration is evident in sector and factor plays, including SCHZ ($34.5M) and SPMB ($21.4M). This allocation suggests a tactical approach balancing broad market beta with targeted factor tilts.

Total AUM
$324.3M
QoQ Performance
+4.2%
Positions
26
Top 10 Concentration
68.2%
Latest Filing
Q4 2025

Top Holdings Allocation

IVW
IVE
SCHZ
SPMB
DYNF
EFV
IVW13.5%
IVE10.9%
SCHZ10.6%
SPMB6.6%
DYNF5.9%
EFV5.2%
VGLT4.8%
VUG3.8%

📈 Biggest Buys

VWO
VANGUARD INTL EQUITY INDEX F
+87.0%
3.4% of portfolio
ITA*
ISHARES TR
+317.6%
1.2% of portfolio
SPHY
SPDR SERIES TRUST
+38.2%
3.3% of portfolio
SCHZ
SCHWAB STRATEGIC TR
+7.9%
10.6% of portfolio
VGLT
VANGUARD SCOTTSDALE FDS
+17.2%
4.8% of portfolio

📉 Biggest Sells

IUSB
ISHARES TR
-22.6%
3.3% of portfolio
XCEM
COLUMBIA ETF TR II
-49.3%
0.6% of portfolio
HEFA
ISHARES TR
-76.8%
0.2% of portfolio
IVW
ISHARES TR
-4.1%
13.5% of portfolio
IVE
ISHARES TR
-4.0%
10.9% of portfolio

Sector Breakdown

Other98.9%
Technology0.4%
ETF0.3%
Consumer0.3%
Energy0.1%

Changes from Q3 2025

NEW6 new positions
↑22 increased
↓15 decreased

Historical Filings

Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023

📌 Top Holdings

IVW13.5%
ISHARES TR
$43.8M
IVE10.9%
ISHARES TR
$35.2M
SCHZ10.6%
SCHWAB STRATEGIC TR
$34.5M
SPMB6.6%
SPDR SERIES TRUST
$21.4M
DYNF5.9%
BLACKROCK ETF TRUST
$19.1M

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