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Roger Wittlin Investment Advisory, LLC

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13F filer, CIK 1911328, San Francisco, CA

Roger Wittlin Investment Advisory, LLC reported $179,887,600 across 41 holdings for the quarter ended 2025-09-30, in a 13F-HR filed 2025-10-27. Its ten largest share positions make up 77.97% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001172661-25-004429

Period
2025-09-30
Reported value
$180M
Holdings
41
Top 10 weight
77.97%
New
1
Sold out
3

Largest buys vs the previous quarter

SecurityShares changeApprox. value
IAUadded+25,204$1.83M
IEFAadded+2,664$233K
EFAnew+2,213$207K
VGKadded+2,181$174K
IUSBadded+3,465$162K

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
IVVreduced-3,474-$2.33M
VTIreduced-5,480-$1.8M
SPYreduced-2,539-$1.69M
MINTreduced-15,258-$1.54M
LONZreduced-18,688-$954K

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 0001172661-25-004429, largest first. % of portfolio is the value over $179,887,600, the sum of the share positions whose value is usable for ratios (method).

SecurityHistorySharesValue% of portfolioChangeLatest eventTimeline
VTIVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 113,997 shares; 2024Q4: 122,001 shares; 2025Q1: 117,549 shares; 2025Q2: 116,863 shares; 2025Q3: 111,383 shares 111,383$36.6M20.32%-5,480Timeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 41,754 shares; 2024Q4: 44,257 shares; 2025Q1: 42,699 shares; 2025Q2: 41,142 shares; 2025Q3: 37,668 shares 37,668$25.2M14.02%-3,474Timeline
ITOTISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 91,563 shares; 2024Q4: 132,051 shares; 2025Q1: 131,287 shares; 2025Q2: 112,275 shares; 2025Q3: 110,922 shares 110,922$16.2M8.98%-1,353Timeline
SCHBSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 204,343 shares; 2024Q4: 624,350 shares; 2025Q1: 619,921 shares; 2025Q2: 620,688 shares; 2025Q3: 588,968 shares 588,968$15.1M8.42%-31,720Timeline
LONZPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 219,205 shares; 2024Q4: 284,572 shares; 2025Q1: 291,126 shares; 2025Q2: 251,519 shares; 2025Q3: 232,831 shares 232,831$11.9M6.61%-18,688Timeline
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: 15,672 shares; 2024Q4: 19,426 shares; 2025Q1: 18,434 shares; 2025Q2: 17,176 shares; 2025Q3: 14,637 shares 14,637$9.75M5.42%-2,539Timeline
VLUSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 40,498 shares; 2024Q4: 40,725 shares; 2025Q1: 40,666 shares; 2025Q2: 42,147 shares; 2025Q3: 39,252 shares 39,252$8.01M4.45%-2,895Timeline
QQQINVESCO QQQ TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,470 shares; 2024Q4: 13,656 shares; 2025Q1: 13,199 shares; 2025Q2: 13,222 shares; 2025Q3: 12,361 shares 12,361$7.42M4.13%-861Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 19,667 shares; 2024Q4: 19,754 shares; 2025Q1: 19,467 shares; 2025Q2: 18,801 shares; 2025Q3: 18,721 shares 18,721$5.5M3.06%-80Timeline
BONDPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 73,965 shares; 2024Q4: 42,800 shares; 2025Q1: 42,959 shares; 2025Q2: 56,253 shares; 2025Q3: 49,571 shares 49,571$4.63M2.57%-6,682Timeline
RSPINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 23,620 shares; 2024Q4: 28,335 shares; 2025Q1: 26,007 shares; 2025Q2: 21,977 shares; 2025Q3: 21,935 shares 21,935$4.16M2.31%-42Timeline
VXUSVANGUARD STAR FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 40,044 shares; 2024Q4: 40,294 shares; 2025Q1: 52,215 shares; 2025Q2: 44,847 shares; 2025Q3: 44,654 shares 44,654$3.28M1.82%-193Timeline
IAUISHARES GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,178 shares; 2024Q4: 4,178 shares; 2025Q1: 4,178 shares; 2025Q2: 9,130 shares; 2025Q3: 34,334 shares 34,334$2.5M1.39%+25,204Timeline
BNDVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 75,703 shares; 2024Q4: 31,371 shares; 2025Q1: 31,600 shares; 2025Q2: 35,235 shares; 2025Q3: 31,297 shares 31,297$2.33M1.29%-3,938Timeline
IJHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 33,827 shares; 2024Q4: 33,972 shares; 2025Q1: 34,066 shares; 2025Q2: 34,172 shares; 2025Q3: 34,282 shares 34,282$2.24M1.24%+110Timeline
PLTRPALANTIR TECHNOLOGIES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,956 shares; 2024Q4: 11,978 shares; 2025Q1: 11,978 shares; 2025Q2: 11,978 shares; 2025Q3: 11,978 shares 11,978$2.19M1.21%0Timeline
VMBSVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 63,205 shares; 2024Q4: 50,532 shares; 2025Q1: 48,925 shares; 2025Q2: 46,201 shares; 2025Q3: 44,328 shares 44,328$2.08M1.16%-1,873Timeline
VIGVANGUARD SPECIALIZED FUNDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,509 shares; 2024Q4: 8,583 shares; 2025Q1: 8,590 shares; 2025Q2: 8,534 shares; 2025Q3: 8,482 shares 8,482$1.83M1.02%-52Timeline
SDYSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,100 shares; 2024Q4: 13,455 shares; 2025Q1: 13,470 shares; 2025Q2: 13,455 shares; 2025Q3: 12,778 shares 12,778$1.79M0.99%-677Timeline
IEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 23,771 shares; 2024Q4: 18,042 shares; 2025Q1: 17,496 shares; 2025Q2: 17,817 shares; 2025Q3: 20,481 shares 20,481$1.79M0.99%+2,664Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,041 shares; 2024Q4: 3,191 shares; 2025Q1: 3,334 shares; 2025Q2: 3,005 shares; 2025Q3: 2,890 shares 2,890$1.77M0.98%-115Timeline
PYLDPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 93,230 shares; 2024Q4: 75,429 shares; 2025Q1: 81,286 shares; 2025Q2: 71,038 shares; 2025Q3: 59,283 shares 59,283$1.59M0.88%-11,755Timeline
MINTPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 24,913 shares; 2025Q1: 31,773 shares; 2025Q2: 30,598 shares; 2025Q3: 15,340 shares 15,340$1.54M0.86%-15,258Timeline
VGKVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 20,754 shares; 2024Q4: 16,768 shares; 2025Q1: 16,298 shares; 2025Q2: 16,430 shares; 2025Q3: 18,611 shares 18,611$1.49M0.83%+2,181Timeline
SPMOINVESCO 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: not reported; 2025Q2: 13,172 shares; 2025Q3: 10,820 shares 10,820$1.31M0.73%-2,352Timeline
GLDSPDR GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,287 shares; 2024Q4: 3,487 shares; 2025Q1: 3,413 shares; 2025Q2: 3,381 shares; 2025Q3: 3,577 shares 3,577$1.27M0.71%+196Timeline
LQDISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,782 shares; 2024Q4: 9,927 shares; 2025Q1: 8,901 shares; 2025Q2: 9,004 shares; 2025Q3: 8,573 shares 8,573$956K0.53%-431Timeline
IGSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 31,861 shares; 2024Q4: 19,559 shares; 2025Q1: 17,108 shares; 2025Q2: 17,292 shares; 2025Q3: 17,193 shares 17,193$912K0.51%-99Timeline
AGGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,958 shares; 2024Q4: 4,942 shares; 2025Q1: 4,965 shares; 2025Q2: 6,516 shares; 2025Q3: 6,580 shares 6,580$660K0.37%+64Timeline
IUSBISHARES 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: 8,811 shares; 2025Q3: 12,276 shares 12,276$573K0.32%+3,465Timeline
ICSHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 25,614 shares; 2024Q4: 14,233 shares; 2025Q1: 13,242 shares; 2025Q2: 10,727 shares; 2025Q3: 9,572 shares 9,572$486K0.27%-1,155Timeline
SCHASCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,455 shares; 2024Q4: 17,014 shares; 2025Q1: 17,054 shares; 2025Q2: 17,110 shares; 2025Q3: 15,538 shares 15,538$433K0.24%-1,572Timeline
RBRKRUBRIK INC.Quarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 5,300 shares; 2025Q1: 5,259 shares; 2025Q2: 5,123 shares; 2025Q3: 4,817 shares 4,817$396K0.22%-306Timeline
VNQVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,000 shares; 2024Q4: 4,072 shares; 2025Q1: 4,114 shares; 2025Q2: 4,155 shares; 2025Q3: 3,639 shares 3,639$333K0.18%-516Timeline
SHYISHARES 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: 3,644 shares; 2025Q3: 3,679 shares 3,679$305K0.17%+35Timeline
VMRKVIVMARK RESIDENTIALQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,363 shares; 2024Q4: 4,404 shares; 2025Q1: 4,446 shares; 2025Q2: 4,492 shares; 2025Q3: 4,085 shares 4,085$264K0.15%-407Timeline
VCITVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,920 shares; 2024Q4: 3,979 shares; 2025Q1: 4,008 shares; 2025Q2: 4,203 shares; 2025Q3: 3,052 shares 3,052$257K0.14%-1,151Timeline
PLDPROLOGIS INC.Quarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,355 shares; 2024Q4: 5,956 shares; 2025Q1: 6,010 shares; 2025Q2: 2,079 shares; 2025Q3: 2,119 shares 2,119$243K0.13%+40Timeline
FLRNSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,528 shares; 2024Q4: 21,414 shares; 2025Q1: 18,320 shares; 2025Q2: 13,040 shares; 2025Q3: 7,475 shares 7,475$231K0.13%-5,565Timeline
VCSHVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,673 shares; 2024Q4: 2,710 shares; 2025Q1: 2,666 shares; 2025Q2: 2,695 shares; 2025Q3: 2,725 shares 2,725$218K0.12%+30Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2023Q4: restricted; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,534 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 2,213 shares 2,213$207K0.11%newTimeline

Sold out in Q3 2025

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

SecurityShares beforeValue beforeType
VTVANGUARD INTL EQUITY INDEX F2,780$357Kshares
FNDXSCHWAB STRATEGIC TR13,258$325Kshares
VEAVANGUARD TAX-MANAGED FDS3,613$206Kshares

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 0001172661-25-004429 base2025-10-27acceptance time not in the bulk data set