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FINANCIAL LIFE ADVISORS

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13F filer, CIK 1730813, SAN ANTONIO, TX

FINANCIAL LIFE ADVISORS reported $311,279,002 across 47 holdings for the quarter ended 2025-09-30, in a 13F-HR filed 2025-11-03. Its ten largest share positions make up 69.93% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001730813-25-000006

Period
2025-09-30
Reported value
$311M
Holdings
47
Top 10 weight
69.93%
New
1
Sold out
2

Largest buys vs the previous quarter

SecurityShares changeApprox. value
VWOadded+47,789$2.59M
VGLTadded+31,241$1.78M
SCHZadded+75,386$1.77M
SPHYadded+61,887$1.48M
SPMBadded+52,985$1.19M

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
IVWreduced-18,859-$2.28M
XCEMreduced-24,316-$883K
IGSBreduced-13,635-$723K
EMXCreduced-10,590-$715K
DYNFreduced-11,638-$689K

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, Q3 2025

Share positions as resolved from 13F-HR 0001730813-25-000006, largest first. % of portfolio is the value over $311,279,002, 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; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 378,328 shares; 2024Q4: 392,972 shares; 2025Q1: 393,379 shares; 2025Q2: 389,746 shares; 2025Q3: 370,887 shares 370,887$44.8M14.38%-18,859Timeline
IVEISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 155,957 shares; 2024Q4: 157,540 shares; 2025Q1: 161,610 shares; 2025Q2: 168,750 shares; 2025Q3: 173,050 shares 173,050$35.7M11.48%+4,300Timeline
SCHZSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q3: 1,369,594 shares 1,369,594$32.1M10.33%+75,386Timeline
SPMBSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 723,978 shares; 2024Q4: 743,157 shares; 2025Q1: 783,551 shares; 2025Q2: 825,673 shares; 2025Q3: 878,658 shares 878,658$19.7M6.33%+52,985Timeline
DYNFBLACKROCK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 245,048 shares; 2024Q4: 261,729 shares; 2025Q1: 300,218 shares; 2025Q2: 328,509 shares; 2025Q3: 316,871 shares 316,871$18.8M6.03%-11,638Timeline
EFVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 217,841 shares; 2024Q4: 218,682 shares; 2025Q1: 226,056 shares; 2025Q2: 230,726 shares; 2025Q3: 239,111 shares 239,111$16.2M5.21%+8,385Timeline
IUSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 418,708 shares; 2024Q4: 432,499 shares; 2025Q1: 333,132 shares; 2025Q2: 311,915 shares; 2025Q3: 300,511 shares 300,511$14M4.51%-11,404Timeline
VGLTVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 159,095 shares; 2025Q2: 206,913 shares; 2025Q3: 238,154 shares 238,154$13.5M4.35%+31,241Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,059 shares; 2024Q4: 26,506 shares; 2025Q1: 26,178 shares; 2025Q2: 26,006 shares; 2025Q3: 25,439 shares 25,439$12.2M3.92%-567Timeline
IYWISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 52,404 shares; 2024Q4: 52,309 shares; 2025Q1: 53,247 shares; 2025Q2: 55,444 shares; 2025Q3: 53,920 shares 53,920$10.6M3.39%-1,524Timeline
EFGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 97,290 shares; 2024Q4: 101,126 shares; 2025Q1: 89,649 shares; 2025Q2: 86,046 shares; 2025Q3: 84,357 shares 84,357$9.61M3.09%-1,689Timeline
QUALISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 45,627 shares; 2024Q4: 45,838 shares; 2025Q1: 45,938 shares; 2025Q2: 47,262 shares; 2025Q3: 46,692 shares 46,692$9.08M2.92%-570Timeline
OEFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 25,757 shares; 2024Q4: 25,564 shares; 2025Q1: 26,521 shares; 2025Q2: 27,607 shares; 2025Q3: 26,469 shares 26,469$8.81M2.83%-1,138Timeline
SPHYSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 190,634 shares; 2025Q2: 267,483 shares; 2025Q3: 329,370 shares 329,370$7.89M2.53%+61,887Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 37,400 shares; 2024Q4: 37,078 shares; 2025Q1: 36,562 shares; 2025Q2: 35,761 shares; 2025Q3: 35,112 shares 35,112$6.55M2.1%-649Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 15,047 shares; 2024Q4: 14,665 shares; 2025Q1: 11,322 shares; 2025Q2: 61,562 shares; 2025Q3: 109,351 shares 109,351$5.92M1.9%+47,789Timeline
GLDMWORLD GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 56,284 shares; 2025Q2: 72,781 shares; 2025Q3: 76,294 shares 76,294$5.83M1.87%+3,513Timeline
MUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 50,225 shares; 2024Q4: 51,290 shares; 2025Q1: 47,895 shares; 2025Q2: 48,853 shares; 2025Q3: 46,337 shares 46,337$4.93M1.59%-2,516Timeline
VTEBVANGUARD MUN BD FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 84,272 shares; 2024Q4: 85,201 shares; 2025Q1: 73,865 shares; 2025Q2: 77,170 shares; 2025Q3: 79,404 shares 79,404$3.98M1.28%+2,234Timeline
XCEMCOLUMBIA ETF TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 124,064 shares; 2025Q2: 127,507 shares; 2025Q3: 103,191 shares 103,191$3.75M1.2%-24,316Timeline
BINCBLACKROCK ETF TRUST IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 56,891 shares; 2024Q4: 58,823 shares; 2025Q1: 63,442 shares; 2025Q2: 67,246 shares; 2025Q3: 70,337 shares 70,337$3.74M1.2%+3,091Timeline
VTIPVANGUARD MALVERN FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 46,756 shares; 2025Q2: 53,949 shares; 2025Q3: 57,591 shares 57,591$2.92M0.94%+3,642Timeline
HEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 47,768 shares; 2024Q4: 53,721 shares; 2025Q1: 63,826 shares; 2025Q2: 74,808 shares; 2025Q3: 59,974 shares 59,974$2.38M0.76%-14,834Timeline
TLHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 105,910 shares; 2024Q4: 108,180 shares; 2025Q1: 40,757 shares; 2025Q2: 20,705 shares; 2025Q3: 19,907 shares 19,907$2.05M0.66%-798Timeline
EMXCISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 169,563 shares; 2024Q4: 180,109 shares; 2025Q1: 90,662 shares; 2025Q2: 37,958 shares; 2025Q3: 27,368 shares 27,368$1.85M0.59%-10,590Timeline
VEAVANGUARD TAX-MANAGED FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,241 shares; 2024Q4: 28,243 shares; 2025Q1: 27,931 shares; 2025Q2: 25,929 shares; 2025Q3: 22,169 shares 22,169$1.33M0.43%-3,760Timeline
SPLVINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 11,007 shares; 2025Q2: 16,103 shares; 2025Q3: 16,673 shares 16,673$1.23M0.39%+570Timeline
IGSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 127,590 shares; 2024Q4: 133,608 shares; 2025Q1: 58,806 shares; 2025Q2: 35,795 shares; 2025Q3: 22,160 shares 22,160$1.18M0.38%-13,635Timeline
EHCENCOMPASS HEALTH CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,699 shares; 2024Q4: 8,714 shares; 2025Q1: 8,730 shares; 2025Q2: 8,744 shares; 2025Q3: 8,757 shares 8,757$1.11M0.36%+13Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,496 shares; 2024Q4: 33,972 shares; 2025Q1: 33,853 shares; 2025Q2: 33,843 shares; 2025Q3: 33,843 shares 33,843$1.08M0.35%0Timeline
ITAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 4,446 shares 4,446$930K0.3%newTimeline
TFISPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,621 shares; 2024Q4: 27,252 shares; 2025Q1: 20,490 shares; 2025Q2: 17,905 shares; 2025Q3: 17,905 shares 17,905$816K0.26%0Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,996 shares; 2024Q4: 2,996 shares; 2025Q1: 3,558 shares; 2025Q2: 3,726 shares; 2025Q3: 3,558 shares 3,558$781K0.25%-168Timeline
HYDVANECK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 14,723 shares; 2025Q2: 15,350 shares; 2025Q3: 14,722 shares 14,722$749K0.24%-628Timeline
VGTVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 695 shares; 2024Q4: 695 shares; 2025Q1: 892 shares; 2025Q2: 892 shares; 2025Q3: 892 shares 892$666K0.21%0Timeline
SPYSTATE STR SPDR S&P 500 ETF TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 713 shares; 2024Q4: 694 shares; 2025Q1: 883 shares; 2025Q2: 878 shares; 2025Q3: 864 shares 864$576K0.18%-14Timeline
USMVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 18,137 shares; 2024Q4: 15,069 shares; 2025Q1: 11,761 shares; 2025Q2: 6,318 shares; 2025Q3: 5,883 shares 5,883$560K0.18%-435Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,262 shares; 2024Q4: 1,405 shares; 2025Q1: 1,992 shares; 2025Q2: 1,895 shares; 2025Q3: 1,817 shares 1,817$463K0.15%-78Timeline
MTUMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,077 shares; 2024Q4: 2,077 shares; 2025Q1: 2,077 shares; 2025Q2: 2,017 shares; 2025Q3: 1,653 shares 1,653$424K0.14%-364Timeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 602 shares; 2024Q4: 602 shares; 2025Q1: 602 shares; 2025Q2: 602 shares; 2025Q3: 615 shares 615$412K0.13%+13Timeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,000 shares; 2024Q4: 15,000 shares; 2025Q1: 15,000 shares; 2025Q2: 15,000 shares; 2025Q3: 15,000 shares 15,000$395K0.13%0Timeline
NULGNUSHARES ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,862 shares; 2024Q4: 3,696 shares; 2025Q1: 3,640 shares; 2025Q2: 3,640 shares; 2025Q3: 3,231 shares 3,231$321K0.1%-409Timeline
IEMGISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,926 shares; 2024Q4: 4,525 shares; 2025Q1: 4,216 shares; 2025Q2: 4,186 shares; 2025Q3: 4,186 shares 4,186$276K0.09%0Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,565 shares; 2024Q4: 2,874 shares; 2025Q1: 2,874 shares; 2025Q2: 2,844 shares; 2025Q3: 2,844 shares 2,844$266K0.09%0Timeline
IEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,476 shares; 2024Q4: 5,211 shares; 2025Q1: 4,626 shares; 2025Q2: 3,899 shares; 2025Q3: 3,028 shares 3,028$264K0.08%-871Timeline
XOMEXXON MOBIL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,226 shares; 2024Q4: 2,426 shares; 2025Q1: 2,504 shares; 2025Q2: 2,215 shares; 2025Q3: 2,215 shares 2,215$250K0.08%0Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 758 shares; 2024Q4: 728 shares; 2025Q1: 728 shares; 2025Q2: 728 shares; 2025Q3: 728 shares 728$239K0.08%0Timeline

Sold out in Q3 2025

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

SecurityShares beforeValue beforeType
SUBISHARES TR2,425$258Kshares
SHYISHARES TR2,650$220Kshares

How Q3 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 0001730813-25-000006 base2025-11-03acceptance time not in the bulk data set