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FINANCIAL LIFE ADVISORS

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13F filer, CIK 1730813, SAN ANTONIO, TX

FINANCIAL LIFE ADVISORS reported $324,283,582 across 53 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-01-30. Its ten largest share positions make up 68.16% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001730813-26-000002

Period
2025-12-31
Reported value
$324M
Holdings
53
Top 10 weight
68.16%
New
6
Sold out
0

Largest buys vs the previous quarter

SecurityShares changeApprox. value
VWOadded+95,152$5.12M
ITAadded+14,122$3.03M
SPHYadded+125,884$2.98M
SCHZadded+108,159$2.53M
VGLTadded+41,015$2.29M

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
IUSBreduced-67,896-$3.16M
XCEMreduced-50,870-$1.95M
HEFAreduced-46,077-$1.91M
IVWreduced-15,231-$1.88M
IVEreduced-6,859-$1.45M

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, Q4 2025

Share positions as resolved from 13F-HR 0001730813-26-000002, largest first. % of portfolio is the value over $324,283,582, 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; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 378,328 shares; 2024Q4: 392,972 shares; 2025Q1: 393,379 shares; 2025Q2: 389,746 shares; 2025Q3: 370,887 shares; 2025Q4: 355,656 shares 355,656$43.8M13.52%-15,231Timeline
IVEISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 155,957 shares; 2024Q4: 157,540 shares; 2025Q1: 161,610 shares; 2025Q2: 168,750 shares; 2025Q3: 173,050 shares; 2025Q4: 166,191 shares 166,191$35.2M10.87%-6,859Timeline
SCHZSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 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; 2025Q4: 1,477,753 shares 1,477,753$34.5M10.65%+108,159Timeline
SPMBSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 723,978 shares; 2024Q4: 743,157 shares; 2025Q1: 783,551 shares; 2025Q2: 825,673 shares; 2025Q3: 878,658 shares; 2025Q4: 953,162 shares 953,162$21.4M6.59%+74,504Timeline
DYNFBLACKROCK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 245,048 shares; 2024Q4: 261,729 shares; 2025Q1: 300,218 shares; 2025Q2: 328,509 shares; 2025Q3: 316,871 shares; 2025Q4: 314,833 shares 314,833$19.1M5.9%-2,038Timeline
EFVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 217,841 shares; 2024Q4: 218,682 shares; 2025Q1: 226,056 shares; 2025Q2: 230,726 shares; 2025Q3: 239,111 shares; 2025Q4: 237,662 shares 237,662$17M5.23%-1,449Timeline
VGLTVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 159,095 shares; 2025Q2: 206,913 shares; 2025Q3: 238,154 shares; 2025Q4: 279,169 shares 279,169$15.6M4.8%+41,015Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,059 shares; 2024Q4: 26,506 shares; 2025Q1: 26,178 shares; 2025Q2: 26,006 shares; 2025Q3: 25,439 shares; 2025Q4: 25,519 shares 25,519$12.4M3.84%+80Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 15,047 shares; 2024Q4: 14,665 shares; 2025Q1: 11,322 shares; 2025Q2: 61,562 shares; 2025Q3: 109,351 shares; 2025Q4: 204,503 shares 204,503$11M3.39%+95,152Timeline
IYWISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 52,404 shares; 2024Q4: 52,309 shares; 2025Q1: 53,247 shares; 2025Q2: 55,444 shares; 2025Q3: 53,920 shares; 2025Q4: 54,641 shares 54,641$10.9M3.36%+721Timeline
IUSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 418,708 shares; 2024Q4: 432,499 shares; 2025Q1: 333,132 shares; 2025Q2: 311,915 shares; 2025Q3: 300,511 shares; 2025Q4: 232,615 shares 232,615$10.8M3.34%-67,896Timeline
SPHYSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 190,634 shares; 2025Q2: 267,483 shares; 2025Q3: 329,370 shares; 2025Q4: 455,254 shares 455,254$10.8M3.32%+125,884Timeline
QUALISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 45,627 shares; 2024Q4: 45,838 shares; 2025Q1: 45,938 shares; 2025Q2: 47,262 shares; 2025Q3: 46,692 shares; 2025Q4: 48,455 shares 48,455$9.62M2.97%+1,763Timeline
OEFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 25,757 shares; 2024Q4: 25,564 shares; 2025Q1: 26,521 shares; 2025Q2: 27,607 shares; 2025Q3: 26,469 shares; 2025Q4: 26,938 shares 26,938$9.24M2.85%+469Timeline
EFGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 97,290 shares; 2024Q4: 101,126 shares; 2025Q1: 89,649 shares; 2025Q2: 86,046 shares; 2025Q3: 84,357 shares; 2025Q4: 80,524 shares 80,524$9.17M2.83%-3,833Timeline
GLDMWORLD GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 56,284 shares; 2025Q2: 72,781 shares; 2025Q3: 76,294 shares; 2025Q4: 76,657 shares 76,657$6.54M2.02%+363Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 37,400 shares; 2024Q4: 37,078 shares; 2025Q1: 36,562 shares; 2025Q2: 35,761 shares; 2025Q3: 35,112 shares; 2025Q4: 33,217 shares 33,217$6.34M1.96%-1,895Timeline
MUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 50,225 shares; 2024Q4: 51,290 shares; 2025Q1: 47,895 shares; 2025Q2: 48,853 shares; 2025Q3: 46,337 shares; 2025Q4: 45,267 shares 45,267$4.85M1.5%-1,070Timeline
VTEBVANGUARD MUN BD FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 84,272 shares; 2024Q4: 85,201 shares; 2025Q1: 73,865 shares; 2025Q2: 77,170 shares; 2025Q3: 79,404 shares; 2025Q4: 79,753 shares 79,753$4.01M1.24%+349Timeline
ITAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 4,446 shares; 2025Q4: 18,568 shares 18,568$3.99M1.23%+14,122Timeline
BINCBLACKROCK ETF TRUST IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 56,891 shares; 2024Q4: 58,823 shares; 2025Q1: 63,442 shares; 2025Q2: 67,246 shares; 2025Q3: 70,337 shares; 2025Q4: 75,212 shares 75,212$3.97M1.22%+4,875Timeline
VTIPVANGUARD MALVERN FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 46,756 shares; 2025Q2: 53,949 shares; 2025Q3: 57,591 shares; 2025Q4: 61,087 shares 61,087$3.02M0.93%+3,496Timeline
TLHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 105,910 shares; 2024Q4: 108,180 shares; 2025Q1: 40,757 shares; 2025Q2: 20,705 shares; 2025Q3: 19,907 shares; 2025Q4: 24,848 shares 24,848$2.53M0.78%+4,941Timeline
XCEMCOLUMBIA ETF TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 124,064 shares; 2025Q2: 127,507 shares; 2025Q3: 103,191 shares; 2025Q4: 52,321 shares 52,321$2.01M0.62%-50,870Timeline
VEAVANGUARD TAX-MANAGED FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,241 shares; 2024Q4: 28,243 shares; 2025Q1: 27,931 shares; 2025Q2: 25,929 shares; 2025Q3: 22,169 shares; 2025Q4: 22,169 shares 22,169$1.38M0.43%0Timeline
SPLVINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 11,007 shares; 2025Q2: 16,103 shares; 2025Q3: 16,673 shares; 2025Q4: 17,650 shares 17,650$1.26M0.39%+977Timeline
EMXCISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 169,563 shares; 2024Q4: 180,109 shares; 2025Q1: 90,662 shares; 2025Q2: 37,958 shares; 2025Q3: 27,368 shares; 2025Q4: 16,818 shares 16,818$1.22M0.38%-10,550Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,496 shares; 2024Q4: 33,972 shares; 2025Q1: 33,853 shares; 2025Q2: 33,843 shares; 2025Q3: 33,843 shares; 2025Q4: 33,702 shares 33,702$1.1M0.34%-141Timeline
EHCENCOMPASS HEALTH CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,699 shares; 2024Q4: 8,714 shares; 2025Q1: 8,730 shares; 2025Q2: 8,744 shares; 2025Q3: 8,757 shares; 2025Q4: 8,757 shares 8,757$929K0.29%0Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,996 shares; 2024Q4: 2,996 shares; 2025Q1: 3,558 shares; 2025Q2: 3,726 shares; 2025Q3: 3,558 shares; 2025Q4: 3,740 shares 3,740$863K0.27%+182Timeline
TFISPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,621 shares; 2024Q4: 27,252 shares; 2025Q1: 20,490 shares; 2025Q2: 17,905 shares; 2025Q3: 17,905 shares; 2025Q4: 17,905 shares 17,905$818K0.25%0Timeline
HYDVANECK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: 14,723 shares; 2025Q2: 15,350 shares; 2025Q3: 14,722 shares; 2025Q4: 15,769 shares 15,769$806K0.25%+1,047Timeline
IGSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 127,590 shares; 2024Q4: 133,608 shares; 2025Q1: 58,806 shares; 2025Q2: 35,795 shares; 2025Q3: 22,160 shares; 2025Q4: 13,410 shares 13,410$709K0.22%-8,750Timeline
VGTVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 695 shares; 2024Q4: 695 shares; 2025Q1: 892 shares; 2025Q2: 892 shares; 2025Q3: 892 shares; 2025Q4: 892 shares 892$672K0.21%0Timeline
HEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 47,768 shares; 2024Q4: 53,721 shares; 2025Q1: 63,826 shares; 2025Q2: 74,808 shares; 2025Q3: 59,974 shares; 2025Q4: 13,897 shares 13,897$575K0.18%-46,077Timeline
SPYSTATE STR SPDR S&P 500 ETF TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 713 shares; 2024Q4: 694 shares; 2025Q1: 883 shares; 2025Q2: 878 shares; 2025Q3: 864 shares; 2025Q4: 825 shares 825$563K0.17%-39Timeline
USMVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 18,137 shares; 2024Q4: 15,069 shares; 2025Q1: 11,761 shares; 2025Q2: 6,318 shares; 2025Q3: 5,883 shares; 2025Q4: 5,632 shares 5,632$530K0.16%-251Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 1,262 shares; 2024Q4: 1,405 shares; 2025Q1: 1,992 shares; 2025Q2: 1,895 shares; 2025Q3: 1,817 shares; 2025Q4: 1,924 shares 1,924$523K0.16%+107Timeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 602 shares; 2024Q4: 602 shares; 2025Q1: 602 shares; 2025Q2: 602 shares; 2025Q3: 615 shares; 2025Q4: 735 shares 735$503K0.16%+120Timeline
MTUMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,077 shares; 2024Q4: 2,077 shares; 2025Q1: 2,077 shares; 2025Q2: 2,017 shares; 2025Q3: 1,653 shares; 2025Q4: 1,653 shares 1,653$414K0.13%0Timeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,000 shares; 2024Q4: 15,000 shares; 2025Q1: 15,000 shares; 2025Q2: 15,000 shares; 2025Q3: 15,000 shares; 2025Q4: 15,000 shares 15,000$404K0.12%0Timeline
NULGNUSHARES ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,862 shares; 2024Q4: 3,696 shares; 2025Q1: 3,640 shares; 2025Q2: 3,640 shares; 2025Q3: 3,231 shares; 2025Q4: 3,231 shares 3,231$316K0.1%0Timeline
GOOGALPHABET INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 901 shares 901$283K0.09%newTimeline
IEMGISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,926 shares; 2024Q4: 4,525 shares; 2025Q1: 4,216 shares; 2025Q2: 4,186 shares; 2025Q3: 4,186 shares; 2025Q4: 4,186 shares 4,186$281K0.09%0Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,565 shares; 2024Q4: 2,874 shares; 2025Q1: 2,874 shares; 2025Q2: 2,844 shares; 2025Q3: 2,844 shares; 2025Q4: 2,904 shares 2,904$279K0.09%+60Timeline
XOMEXXON MOBIL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,226 shares; 2024Q4: 2,426 shares; 2025Q1: 2,504 shares; 2025Q2: 2,215 shares; 2025Q3: 2,215 shares; 2025Q4: 2,256 shares 2,256$271K0.08%+41Timeline
IEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 5,476 shares; 2024Q4: 5,211 shares; 2025Q1: 4,626 shares; 2025Q2: 3,899 shares; 2025Q3: 3,028 shares; 2025Q4: 3,028 shares 3,028$271K0.08%0Timeline
MSFTMICROSOFT CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 535 shares 535$259K0.08%newTimeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 758 shares; 2024Q4: 728 shares; 2025Q1: 728 shares; 2025Q2: 728 shares; 2025Q3: 728 shares; 2025Q4: 728 shares 728$244K0.08%0Timeline
VONVVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 2,537 shares 2,537$234K0.07%newTimeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 778 shares 778$226K0.07%newTimeline
NVDANVIDIA CORPORATIONQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 1,134 shares 1,134$211K0.07%newTimeline
IWRISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 2,118 shares 2,118$204K0.06%newTimeline

How Q4 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 0001730813-26-000002 base2026-01-30acceptance time not in the bulk data set