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FINANCIAL LIFE ADVISORS

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13F filer, CIK 1730813, SAN ANTONIO, TX

FINANCIAL LIFE ADVISORS reported $292,260,570 across 48 holdings for the quarter ended 2025-06-30, in a 13F-HR filed 2025-07-23. Its ten largest share positions make up 69.74% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001730813-25-000005

Period
2025-06-30
Reported value
$292M
Holdings
48
Top 10 weight
69.74%
New
0
Sold out
3

Largest buys vs the previous quarter

SecurityShares changeApprox. value
VGLTadded+47,818$2.68M
VWOadded+50,240$2.48M
SPHYadded+76,849$1.83M
DYNFadded+28,291$1.54M
IVEadded+7,140$1.4M

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Largest sells vs the previous quarter

SecurityShares changeApprox. value
EMXCreduced-52,704-$3.33M
TLHreduced-20,052-$2.04M
IGSBreduced-23,011-$1.21M
IXCexited-24,755-$1.04M
IUSBreduced-21,217-$981K

Ranked by the share change valued at this quarter's implied price (value over shares in the 13F). A position sold out is valued at the previous quarter's price, its last report.

Holdings, Q2 2025

Share positions as resolved from 13F-HR 0001730813-25-000005, largest first. % of portfolio is the value over $292,260,570, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
IVWISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 378,328 shares; 2024Q4: 392,972 shares; 2025Q1: 393,379 shares; 2025Q2: 389,746 shares 389,746$42.9M14.68%-3,633Timeline
IVEISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 155,957 shares; 2024Q4: 157,540 shares; 2025Q1: 161,610 shares; 2025Q2: 168,750 shares 168,750$33M11.28%+7,140Timeline
SCHZSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 574,848 shares; 2024Q4: 1,223,571 shares; 2025Q1: 1,251,076 shares; 2025Q2: 1,294,208 shares 1,294,208$30.1M10.29%+43,132Timeline
SPMBSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 723,978 shares; 2024Q4: 743,157 shares; 2025Q1: 783,551 shares; 2025Q2: 825,673 shares 825,673$18.2M6.24%+42,122Timeline
DYNFBLACKROCK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 245,048 shares; 2024Q4: 261,729 shares; 2025Q1: 300,218 shares; 2025Q2: 328,509 shares 328,509$17.9M6.12%+28,291Timeline
EFVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 217,841 shares; 2024Q4: 218,682 shares; 2025Q1: 226,056 shares; 2025Q2: 230,726 shares 230,726$14.6M5.01%+4,670Timeline
IUSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 418,708 shares; 2024Q4: 432,499 shares; 2025Q1: 333,132 shares; 2025Q2: 311,915 shares 311,915$14.4M4.93%-21,217Timeline
VGLTVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 159,095 shares; 2025Q2: 206,913 shares 206,913$11.6M3.97%+47,818Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,059 shares; 2024Q4: 26,506 shares; 2025Q1: 26,178 shares; 2025Q2: 26,006 shares 26,006$11.4M3.9%-172Timeline
EFGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 97,290 shares; 2024Q4: 101,126 shares; 2025Q1: 89,649 shares; 2025Q2: 86,046 shares 86,046$9.64M3.3%-3,603Timeline
IYWISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 52,404 shares; 2024Q4: 52,309 shares; 2025Q1: 53,247 shares; 2025Q2: 55,444 shares 55,444$9.61M3.29%+2,197Timeline
QUALISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 45,627 shares; 2024Q4: 45,838 shares; 2025Q1: 45,938 shares; 2025Q2: 47,262 shares 47,262$8.64M2.96%+1,324Timeline
OEFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 25,757 shares; 2024Q4: 25,564 shares; 2025Q1: 26,521 shares; 2025Q2: 27,607 shares 27,607$8.4M2.87%+1,086Timeline
SPHYSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 190,634 shares; 2025Q2: 267,483 shares 267,483$6.37M2.18%+76,849Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 37,400 shares; 2024Q4: 37,078 shares; 2025Q1: 36,562 shares; 2025Q2: 35,761 shares 35,761$6.32M2.16%-801Timeline
MUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 50,225 shares; 2024Q4: 51,290 shares; 2025Q1: 47,895 shares; 2025Q2: 48,853 shares 48,853$5.1M1.75%+958Timeline
GLDMWORLD GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 56,284 shares; 2025Q2: 72,781 shares 72,781$4.77M1.63%+16,497Timeline
XCEMCOLUMBIA ETF TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 124,064 shares; 2025Q2: 127,507 shares 127,507$4.36M1.49%+3,443Timeline
VTEBVANGUARD MUN BD FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 84,272 shares; 2024Q4: 85,201 shares; 2025Q1: 73,865 shares; 2025Q2: 77,170 shares 77,170$3.78M1.29%+3,305Timeline
BINCBLACKROCK ETF TRUST IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 56,891 shares; 2024Q4: 58,823 shares; 2025Q1: 63,442 shares; 2025Q2: 67,246 shares 67,246$3.55M1.22%+3,804Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 15,047 shares; 2024Q4: 14,665 shares; 2025Q1: 11,322 shares; 2025Q2: 61,562 shares 61,562$3.04M1.04%+50,240Timeline
HEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 47,768 shares; 2024Q4: 53,721 shares; 2025Q1: 63,826 shares; 2025Q2: 74,808 shares 74,808$2.84M0.97%+10,982Timeline
VTIPVANGUARD MALVERN FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 46,756 shares; 2025Q2: 53,949 shares 53,949$2.71M0.93%+7,193Timeline
EMXCISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 169,563 shares; 2024Q4: 180,109 shares; 2025Q1: 90,662 shares; 2025Q2: 37,958 shares 37,958$2.4M0.82%-52,704Timeline
TLHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 105,910 shares; 2024Q4: 108,180 shares; 2025Q1: 40,757 shares; 2025Q2: 20,705 shares 20,705$2.1M0.72%-20,052Timeline
IGSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 127,590 shares; 2024Q4: 133,608 shares; 2025Q1: 58,806 shares; 2025Q2: 35,795 shares 35,795$1.89M0.65%-23,011Timeline
VEAVANGUARD TAX-MANAGED FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,241 shares; 2024Q4: 28,243 shares; 2025Q1: 27,931 shares; 2025Q2: 25,929 shares 25,929$1.48M0.51%-2,002Timeline
SPLVINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 11,007 shares; 2025Q2: 16,103 shares 16,103$1.17M0.4%+5,096Timeline
EHCENCOMPASS HEALTH CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,699 shares; 2024Q4: 8,714 shares; 2025Q1: 8,730 shares; 2025Q2: 8,744 shares 8,744$1.07M0.37%+14Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,496 shares; 2024Q4: 33,972 shares; 2025Q1: 33,853 shares; 2025Q2: 33,843 shares 33,843$989K0.34%-10Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,996 shares; 2024Q4: 2,996 shares; 2025Q1: 3,558 shares; 2025Q2: 3,726 shares 3,726$817K0.28%+168Timeline
TFISPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,621 shares; 2024Q4: 27,252 shares; 2025Q1: 20,490 shares; 2025Q2: 17,905 shares 17,905$800K0.27%-2,585Timeline
HYDVANECK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 14,723 shares; 2025Q2: 15,350 shares 15,350$771K0.26%+627Timeline
USMVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 18,137 shares; 2024Q4: 15,069 shares; 2025Q1: 11,761 shares; 2025Q2: 6,318 shares 6,318$593K0.2%-5,443Timeline
VGTVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 695 shares; 2024Q4: 695 shares; 2025Q1: 892 shares; 2025Q2: 892 shares 892$592K0.2%0Timeline
SPYSTATE STR SPDR S&P 500 ETF TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 713 shares; 2024Q4: 694 shares; 2025Q1: 883 shares; 2025Q2: 878 shares 878$542K0.19%-5Timeline
MTUMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,077 shares; 2024Q4: 2,077 shares; 2025Q1: 2,077 shares; 2025Q2: 2,017 shares 2,017$485K0.17%-60Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,262 shares; 2024Q4: 1,405 shares; 2025Q1: 1,992 shares; 2025Q2: 1,895 shares 1,895$389K0.13%-97Timeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 602 shares; 2024Q4: 602 shares; 2025Q1: 602 shares; 2025Q2: 602 shares 602$374K0.13%0Timeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,000 shares; 2024Q4: 15,000 shares; 2025Q1: 15,000 shares; 2025Q2: 15,000 shares 15,000$367K0.13%0Timeline
NULGNUSHARES ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,862 shares; 2024Q4: 3,696 shares; 2025Q1: 3,640 shares; 2025Q2: 3,640 shares 3,640$342K0.12%0Timeline
IEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,476 shares; 2024Q4: 5,211 shares; 2025Q1: 4,626 shares; 2025Q2: 3,899 shares 3,899$325K0.11%-727Timeline
SUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,465 shares; 2024Q4: 5,715 shares; 2025Q1: 2,622 shares; 2025Q2: 2,425 shares 2,425$258K0.09%-197Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,565 shares; 2024Q4: 2,874 shares; 2025Q1: 2,874 shares; 2025Q2: 2,844 shares 2,844$254K0.09%-30Timeline
IEMGISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,926 shares; 2024Q4: 4,525 shares; 2025Q1: 4,216 shares; 2025Q2: 4,186 shares 4,186$251K0.09%-30Timeline
XOMEXXON MOBIL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,226 shares; 2024Q4: 2,426 shares; 2025Q1: 2,504 shares; 2025Q2: 2,215 shares 2,215$239K0.08%-289Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 758 shares; 2024Q4: 728 shares; 2025Q1: 728 shares; 2025Q2: 728 shares 728$221K0.08%0Timeline
SHYISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q3: restricted; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 2,634 shares; 2025Q2: 2,650 shares 2,650$220K0.08%+16Timeline

Sold out in Q2 2025

Positions in the previous quarter's report that this quarter's report no longer lists.

SecurityShares beforeValue beforeType
IXCISHARES TR24,755$1.04Mshares
BIVVANGUARD BD INDEX FDS3,959$303Kshares
VMBSVANGUARD SCOTTSDALE FDS5,457$253Kshares

How Q2 2025 was built

Available 13F filings of this filer for the quarter and their roles: the base report is the latest original or restatement, NEW HOLDINGS amendments filed after it are added (method).

FilingRoleAmendmentFiledAcceptedIngested
13F-HR 0001730813-25-000005 base2025-07-23acceptance time not in the bulk data set