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FINANCIAL LIFE ADVISORS

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13F filer, CIK 1730813, SAN ANTONIO, TX

FINANCIAL LIFE ADVISORS reported $320,993,000 across 52 holdings for the quarter ended 2026-03-31, in a 13F-HR filed 2026-04-29. Its ten largest share positions make up 69.48% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001730813-26-000003

Period
2026-03-31
Reported value
$321M
Holdings
52
Top 10 weight
69.48%
New
3
Sold out
4

Largest buys vs the previous quarter

SecurityShares changeApprox. value
SPMBadded+88,218$1.98M
BAInew+43,142$1.42M
BLCRnew+33,746$1.39M
IUSBadded+24,575$1.14M
VWOadded+18,908$1.02M

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
SPHYreduced-93,811-$2.19M
OEFreduced-3,820-$1.22M
IYWreduced-6,007-$1.09M
GLDMreduced-10,797-$1M
XCEMreduced-7,919-$323K

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, Q1 2026

Share positions as resolved from 13F-HR 0001730813-26-000003, largest first. % of portfolio is the value over $320,993,000, 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; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 392,972 shares; 2025Q1: 393,379 shares; 2025Q2: 389,746 shares; 2025Q3: 370,887 shares; 2025Q4: 355,656 shares; 2026Q1: 361,009 shares 361,009$40.8M12.72%+5,353Timeline
IVEISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 157,540 shares; 2025Q1: 161,610 shares; 2025Q2: 168,750 shares; 2025Q3: 173,050 shares; 2025Q4: 166,191 shares; 2026Q1: 166,962 shares 166,962$35.3M10.98%+771Timeline
SCHZSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 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; 2026Q1: 1,500,574 shares 1,500,574$34.8M10.85%+22,821Timeline
SPMBSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 743,157 shares; 2025Q1: 783,551 shares; 2025Q2: 825,673 shares; 2025Q3: 878,658 shares; 2025Q4: 953,162 shares; 2026Q1: 1,041,380 shares 1,041,380$23.3M7.26%+88,218Timeline
DYNFBLACKROCK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 261,729 shares; 2025Q1: 300,218 shares; 2025Q2: 328,509 shares; 2025Q3: 316,871 shares; 2025Q4: 314,833 shares; 2026Q1: 330,628 shares 330,628$19.2M5.99%+15,795Timeline
EFVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 218,682 shares; 2025Q1: 226,056 shares; 2025Q2: 230,726 shares; 2025Q3: 239,111 shares; 2025Q4: 237,662 shares; 2026Q1: 234,711 shares 234,711$17.5M5.44%-2,951Timeline
VGLTVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: 159,095 shares; 2025Q2: 206,913 shares; 2025Q3: 238,154 shares; 2025Q4: 279,169 shares; 2026Q1: 292,879 shares 292,879$16.2M5.05%+13,710Timeline
VWOVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 14,665 shares; 2025Q1: 11,322 shares; 2025Q2: 61,562 shares; 2025Q3: 109,351 shares; 2025Q4: 204,503 shares; 2026Q1: 223,411 shares 223,411$12.1M3.76%+18,908Timeline
VUGVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 26,506 shares; 2025Q1: 26,178 shares; 2025Q2: 26,006 shares; 2025Q3: 25,439 shares; 2025Q4: 25,519 shares; 2026Q1: 27,305 shares 27,305$11.9M3.72%+1,786Timeline
IUSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 432,499 shares; 2025Q1: 333,132 shares; 2025Q2: 311,915 shares; 2025Q3: 300,511 shares; 2025Q4: 232,615 shares; 2026Q1: 257,190 shares 257,190$11.9M3.7%+24,575Timeline
QUALISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 45,838 shares; 2025Q1: 45,938 shares; 2025Q2: 47,262 shares; 2025Q3: 46,692 shares; 2025Q4: 48,455 shares; 2026Q1: 49,405 shares 49,405$9.48M2.95%+950Timeline
EFGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 101,126 shares; 2025Q1: 89,649 shares; 2025Q2: 86,046 shares; 2025Q3: 84,357 shares; 2025Q4: 80,524 shares; 2026Q1: 82,176 shares 82,176$9.15M2.85%+1,652Timeline
IYWISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 52,309 shares; 2025Q1: 53,247 shares; 2025Q2: 55,444 shares; 2025Q3: 53,920 shares; 2025Q4: 54,641 shares; 2026Q1: 48,634 shares 48,634$8.82M2.75%-6,007Timeline
SPHYSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: 190,634 shares; 2025Q2: 267,483 shares; 2025Q3: 329,370 shares; 2025Q4: 455,254 shares; 2026Q1: 361,443 shares 361,443$8.43M2.63%-93,811Timeline
OEFISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 25,564 shares; 2025Q1: 26,521 shares; 2025Q2: 27,607 shares; 2025Q3: 26,469 shares; 2025Q4: 26,938 shares; 2026Q1: 23,118 shares 23,118$7.35M2.29%-3,820Timeline
VTVVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 37,078 shares; 2025Q1: 36,562 shares; 2025Q2: 35,761 shares; 2025Q3: 35,112 shares; 2025Q4: 33,217 shares; 2026Q1: 33,463 shares 33,463$6.57M2.05%+246Timeline
GLDMWORLD GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: 56,284 shares; 2025Q2: 72,781 shares; 2025Q3: 76,294 shares; 2025Q4: 76,657 shares; 2026Q1: 65,860 shares 65,860$6.1M1.9%-10,797Timeline
MUBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 51,290 shares; 2025Q1: 47,895 shares; 2025Q2: 48,853 shares; 2025Q3: 46,337 shares; 2025Q4: 45,267 shares; 2026Q1: 46,591 shares 46,591$4.95M1.54%+1,324Timeline
ITAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 4,446 shares; 2025Q4: 18,568 shares; 2026Q1: 19,746 shares 19,746$4.32M1.35%+1,178Timeline
VTEBVANGUARD MUN BD FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 85,201 shares; 2025Q1: 73,865 shares; 2025Q2: 77,170 shares; 2025Q3: 79,404 shares; 2025Q4: 79,753 shares; 2026Q1: 82,017 shares 82,017$4.09M1.27%+2,264Timeline
BINCBLACKROCK ETF TRUST IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 58,823 shares; 2025Q1: 63,442 shares; 2025Q2: 67,246 shares; 2025Q3: 70,337 shares; 2025Q4: 75,212 shares; 2026Q1: 74,389 shares 74,389$3.86M1.2%-823Timeline
VTIPVANGUARD MALVERN FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: 46,756 shares; 2025Q2: 53,949 shares; 2025Q3: 57,591 shares; 2025Q4: 61,087 shares; 2026Q1: 61,493 shares 61,493$3.07M0.96%+406Timeline
TLHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 108,180 shares; 2025Q1: 40,757 shares; 2025Q2: 20,705 shares; 2025Q3: 19,907 shares; 2025Q4: 24,848 shares; 2026Q1: 25,501 shares 25,501$2.57M0.8%+653Timeline
XCEMCOLUMBIA ETF TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: 124,064 shares; 2025Q2: 127,507 shares; 2025Q3: 103,191 shares; 2025Q4: 52,321 shares; 2026Q1: 44,402 shares 44,402$1.81M0.56%-7,919Timeline
BAIBLACKROCK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: not reported; 2026Q1: 43,142 shares 43,142$1.42M0.44%newTimeline
BLCRBLACKROCK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: not reported; 2026Q1: 33,746 shares 33,746$1.39M0.43%newTimeline
SPLVINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: 11,007 shares; 2025Q2: 16,103 shares; 2025Q3: 16,673 shares; 2025Q4: 17,650 shares; 2026Q1: 18,474 shares 18,474$1.35M0.42%+824Timeline
VEAVANGUARD TAX-MANAGED FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 28,243 shares; 2025Q1: 27,931 shares; 2025Q2: 25,929 shares; 2025Q3: 22,169 shares; 2025Q4: 22,169 shares; 2026Q1: 20,268 shares 20,268$1.3M0.4%-1,901Timeline
EMXCISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 180,109 shares; 2025Q1: 90,662 shares; 2025Q2: 37,958 shares; 2025Q3: 27,368 shares; 2025Q4: 16,818 shares; 2026Q1: 13,398 shares 13,398$1.05M0.33%-3,420Timeline
SCHGSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 33,972 shares; 2025Q1: 33,853 shares; 2025Q2: 33,843 shares; 2025Q3: 33,843 shares; 2025Q4: 33,702 shares; 2026Q1: 33,702 shares 33,702$982K0.31%0Timeline
EHCENCOMPASS HEALTH CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 8,714 shares; 2025Q1: 8,730 shares; 2025Q2: 8,744 shares; 2025Q3: 8,757 shares; 2025Q4: 8,757 shares; 2026Q1: 8,757 shares 8,757$847K0.26%0Timeline
TFISPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 27,252 shares; 2025Q1: 20,490 shares; 2025Q2: 17,905 shares; 2025Q3: 17,905 shares; 2025Q4: 17,905 shares; 2026Q1: 17,905 shares 17,905$812K0.25%0Timeline
AMZNAMAZON COM INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 2,996 shares; 2025Q1: 3,558 shares; 2025Q2: 3,726 shares; 2025Q3: 3,558 shares; 2025Q4: 3,740 shares; 2026Q1: 3,559 shares 3,559$741K0.23%-181Timeline
VGTVANGUARD WORLD FDQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 695 shares; 2025Q1: 892 shares; 2025Q2: 892 shares; 2025Q3: 892 shares; 2025Q4: 892 shares; 2026Q1: 885 shares 885$617K0.19%-7Timeline
HYDVANECK ETF TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: 14,723 shares; 2025Q2: 15,350 shares; 2025Q3: 14,722 shares; 2025Q4: 15,769 shares; 2026Q1: 11,007 shares 11,007$552K0.17%-4,762Timeline
IGSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 133,608 shares; 2025Q1: 58,806 shares; 2025Q2: 35,795 shares; 2025Q3: 22,160 shares; 2025Q4: 13,410 shares; 2026Q1: 9,891 shares 9,891$520K0.16%-3,519Timeline
USMVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 15,069 shares; 2025Q1: 11,761 shares; 2025Q2: 6,318 shares; 2025Q3: 5,883 shares; 2025Q4: 5,632 shares; 2026Q1: 5,602 shares 5,602$520K0.16%-30Timeline
SPYSTATE STR SPDR S&P 500 ETF TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 694 shares; 2025Q1: 883 shares; 2025Q2: 878 shares; 2025Q3: 864 shares; 2025Q4: 825 shares; 2026Q1: 797 shares 797$518K0.16%-28Timeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 602 shares; 2025Q1: 602 shares; 2025Q2: 602 shares; 2025Q3: 615 shares; 2025Q4: 735 shares; 2026Q1: 716 shares 716$468K0.15%-19Timeline
AAPLAPPLE INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 1,405 shares; 2025Q1: 1,992 shares; 2025Q2: 1,895 shares; 2025Q3: 1,817 shares; 2025Q4: 1,924 shares; 2026Q1: 1,757 shares 1,757$446K0.14%-167Timeline
IEMGISHARES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 4,525 shares; 2025Q1: 4,216 shares; 2025Q2: 4,186 shares; 2025Q3: 4,186 shares; 2025Q4: 4,186 shares; 2026Q1: 6,307 shares 6,307$440K0.14%+2,121Timeline
PZAINVESCO EXCH TRADED FD TR IIQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: not reported; 2026Q1: 17,424 shares 17,424$400K0.12%newTimeline
SCHXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 15,000 shares; 2025Q1: 15,000 shares; 2025Q2: 15,000 shares; 2025Q3: 15,000 shares; 2025Q4: 15,000 shares; 2026Q1: 15,000 shares 15,000$385K0.12%0Timeline
MTUMISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 2,077 shares; 2025Q1: 2,077 shares; 2025Q2: 2,017 shares; 2025Q3: 1,653 shares; 2025Q4: 1,653 shares; 2026Q1: 1,575 shares 1,575$378K0.12%-78Timeline
XOMEXXON MOBIL CORPQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 2,426 shares; 2025Q1: 2,504 shares; 2025Q2: 2,215 shares; 2025Q3: 2,215 shares; 2025Q4: 2,256 shares; 2026Q1: 2,205 shares 2,205$374K0.12%-51Timeline
HEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 53,721 shares; 2025Q1: 63,826 shares; 2025Q2: 74,808 shares; 2025Q3: 59,974 shares; 2025Q4: 13,897 shares; 2026Q1: 8,659 shares 8,659$368K0.11%-5,238Timeline
NULGNUSHARES ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 3,696 shares; 2025Q1: 3,640 shares; 2025Q2: 3,640 shares; 2025Q3: 3,231 shares; 2025Q4: 3,231 shares; 2026Q1: 3,231 shares 3,231$294K0.09%0Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 2,874 shares; 2025Q1: 2,874 shares; 2025Q2: 2,844 shares; 2025Q3: 2,844 shares; 2025Q4: 2,904 shares; 2026Q1: 2,715 shares 2,715$264K0.08%-189Timeline
GOOGALPHABET INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 901 shares; 2026Q1: 901 shares 901$258K0.08%0Timeline
VONVVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 2,537 shares; 2026Q1: 2,537 shares 2,537$238K0.07%0Timeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: 728 shares; 2025Q1: 728 shares; 2025Q2: 728 shares; 2025Q3: 728 shares; 2025Q4: 728 shares; 2026Q1: 728 shares 728$234K0.07%0Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q2: restricted; 2024Q3: restricted; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 778 shares; 2026Q1: 778 shares 778$223K0.07%0Timeline

Sold out in Q1 2026

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

SecurityShares beforeValue beforeType
IEFAISHARES TR3,028$271Kshares
MSFTMICROSOFT CORP535$259Kshares
NVDANVIDIA CORPORATION1,134$211Kshares
IWRISHARES TR2,118$204Kshares

How Q1 2026 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 0001730813-26-000003 base2026-04-29acceptance time not in the bulk data set