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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 $142,989,210 across 39 holdings for the quarter ended 2025-12-31, in a 13F-HR filed 2026-01-20. Its ten largest share positions make up 78.19% of the portfolio.

Filed (acceptance time not in the bulk data set), ingested 13F-HR 0001172661-26-000229

Period
2025-12-31
Reported value
$143M
Holdings
39
Top 10 weight
78.19%
New
3
Sold out
5

Largest buys vs the previous quarter

SecurityShares changeApprox. value
FNDXnew+12,591$343K
VTnew+2,114$298K
SCHFnew+10,834$260K
VXUSadded+2,190$165K
IAUadded+1,886$153K

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
VTIreduced-21,384-$7.17M
IVVreduced-9,112-$6.24M
LONZreduced-83,482-$4.2M
VLUreduced-15,293-$3.22M
ITOTreduced-16,729-$2.49M

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 0001172661-26-000229, largest first. % of portfolio is the value over $142,989,210, 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; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 113,997 shares; 2024Q4: 122,001 shares; 2025Q1: 117,549 shares; 2025Q2: 116,863 shares; 2025Q3: 111,383 shares; 2025Q4: 89,999 shares 89,999$30.2M21.1%-21,384Timeline
IVVISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 41,754 shares; 2024Q4: 44,257 shares; 2025Q1: 42,699 shares; 2025Q2: 41,142 shares; 2025Q3: 37,668 shares; 2025Q4: 28,556 shares 28,556$19.6M13.68%-9,112Timeline
ITOTISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 91,563 shares; 2024Q4: 132,051 shares; 2025Q1: 131,287 shares; 2025Q2: 112,275 shares; 2025Q3: 110,922 shares; 2025Q4: 94,193 shares 94,193$14M9.79%-16,729Timeline
SCHBSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 204,343 shares; 2024Q4: 624,350 shares; 2025Q1: 619,921 shares; 2025Q2: 620,688 shares; 2025Q3: 588,968 shares; 2025Q4: 498,333 shares 498,333$13.1M9.14%-90,635Timeline
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: 15,672 shares; 2024Q4: 19,426 shares; 2025Q1: 18,434 shares; 2025Q2: 17,176 shares; 2025Q3: 14,637 shares; 2025Q4: 12,821 shares 12,821$8.74M6.11%-1,816Timeline
LONZPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 219,205 shares; 2024Q4: 284,572 shares; 2025Q1: 291,126 shares; 2025Q2: 251,519 shares; 2025Q3: 232,831 shares; 2025Q4: 149,349 shares 149,349$7.51M5.25%-83,482Timeline
QQQINVESCO QQQ TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,470 shares; 2024Q4: 13,656 shares; 2025Q1: 13,199 shares; 2025Q2: 13,222 shares; 2025Q3: 12,361 shares; 2025Q4: 8,553 shares 8,553$5.25M3.67%-3,808Timeline
VLUSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 40,498 shares; 2024Q4: 40,725 shares; 2025Q1: 40,666 shares; 2025Q2: 42,147 shares; 2025Q3: 39,252 shares; 2025Q4: 23,959 shares 23,959$5.05M3.53%-15,293Timeline
VOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 19,667 shares; 2024Q4: 19,754 shares; 2025Q1: 19,467 shares; 2025Q2: 18,801 shares; 2025Q3: 18,721 shares; 2025Q4: 16,110 shares 16,110$4.68M3.27%-2,611Timeline
BONDPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 73,965 shares; 2024Q4: 42,800 shares; 2025Q1: 42,959 shares; 2025Q2: 56,253 shares; 2025Q3: 49,571 shares; 2025Q4: 40,421 shares 40,421$3.76M2.63%-9,150Timeline
VXUSVANGUARD STAR FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 40,044 shares; 2024Q4: 40,294 shares; 2025Q1: 52,215 shares; 2025Q2: 44,847 shares; 2025Q3: 44,654 shares; 2025Q4: 46,844 shares 46,844$3.53M2.47%+2,190Timeline
RSPINVESCO EXCHANGE TRADED FD TQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 23,620 shares; 2024Q4: 28,335 shares; 2025Q1: 26,007 shares; 2025Q2: 21,977 shares; 2025Q3: 21,935 shares; 2025Q4: 16,159 shares 16,159$3.1M2.16%-5,776Timeline
IAUISHARES GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,178 shares; 2024Q4: 4,178 shares; 2025Q1: 4,178 shares; 2025Q2: 9,130 shares; 2025Q3: 34,334 shares; 2025Q4: 36,220 shares 36,220$2.94M2.06%+1,886Timeline
VIGVANGUARD SPECIALIZED FUNDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,509 shares; 2024Q4: 8,583 shares; 2025Q1: 8,590 shares; 2025Q2: 8,534 shares; 2025Q3: 8,482 shares; 2025Q4: 7,604 shares 7,604$1.67M1.17%-878Timeline
BNDVANGUARD BD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 75,703 shares; 2024Q4: 31,371 shares; 2025Q1: 31,600 shares; 2025Q2: 35,235 shares; 2025Q3: 31,297 shares; 2025Q4: 22,103 shares 22,103$1.64M1.14%-9,194Timeline
IEFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 23,771 shares; 2024Q4: 18,042 shares; 2025Q1: 17,496 shares; 2025Q2: 17,817 shares; 2025Q3: 20,481 shares; 2025Q4: 17,337 shares 17,337$1.55M1.08%-3,144Timeline
SDYSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,100 shares; 2024Q4: 13,455 shares; 2025Q1: 13,470 shares; 2025Q2: 13,455 shares; 2025Q3: 12,778 shares; 2025Q4: 10,138 shares 10,138$1.41M0.99%-2,640Timeline
MINTPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: not reported; 2024Q4: 24,913 shares; 2025Q1: 31,773 shares; 2025Q2: 30,598 shares; 2025Q3: 15,340 shares; 2025Q4: 13,683 shares 13,683$1.37M0.96%-1,657Timeline
VMBSVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 63,205 shares; 2024Q4: 50,532 shares; 2025Q1: 48,925 shares; 2025Q2: 46,201 shares; 2025Q3: 44,328 shares; 2025Q4: 28,328 shares 28,328$1.33M0.93%-16,000Timeline
GLDSPDR GOLD TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,287 shares; 2024Q4: 3,487 shares; 2025Q1: 3,413 shares; 2025Q2: 3,381 shares; 2025Q3: 3,577 shares; 2025Q4: 3,289 shares 3,289$1.3M0.91%-288Timeline
PYLDPIMCO ETF TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 93,230 shares; 2024Q4: 75,429 shares; 2025Q1: 81,286 shares; 2025Q2: 71,038 shares; 2025Q3: 59,283 shares; 2025Q4: 48,338 shares 48,338$1.29M0.9%-10,945Timeline
IJHISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 33,827 shares; 2024Q4: 33,972 shares; 2025Q1: 34,066 shares; 2025Q2: 34,172 shares; 2025Q3: 34,282 shares; 2025Q4: 17,143 shares 17,143$1.13M0.79%-17,139Timeline
PLTRPALANTIR TECHNOLOGIES INCQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 13,956 shares; 2024Q4: 11,978 shares; 2025Q1: 11,978 shares; 2025Q2: 11,978 shares; 2025Q3: 11,978 shares; 2025Q4: 5,336 shares 5,336$948K0.66%-6,642Timeline
VOOVANGUARD INDEX FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 3,041 shares; 2024Q4: 3,191 shares; 2025Q1: 3,334 shares; 2025Q2: 3,005 shares; 2025Q3: 2,890 shares; 2025Q4: 1,496 shares 1,496$938K0.66%-1,394Timeline
VGKVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 20,754 shares; 2024Q4: 16,768 shares; 2025Q1: 16,298 shares; 2025Q2: 16,430 shares; 2025Q3: 18,611 shares; 2025Q4: 11,019 shares 11,019$921K0.64%-7,592Timeline
SPMOINVESCO 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: not reported; 2025Q2: 13,172 shares; 2025Q3: 10,820 shares; 2025Q4: 7,189 shares 7,189$858K0.6%-3,631Timeline
LQDISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 10,782 shares; 2024Q4: 9,927 shares; 2025Q1: 8,901 shares; 2025Q2: 9,004 shares; 2025Q3: 8,573 shares; 2025Q4: 7,749 shares 7,749$854K0.6%-824Timeline
AGGISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,958 shares; 2024Q4: 4,942 shares; 2025Q1: 4,965 shares; 2025Q2: 6,516 shares; 2025Q3: 6,580 shares; 2025Q4: 6,489 shares 6,489$648K0.45%-91Timeline
IGSBISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 31,861 shares; 2024Q4: 19,559 shares; 2025Q1: 17,108 shares; 2025Q2: 17,292 shares; 2025Q3: 17,193 shares; 2025Q4: 11,482 shares 11,482$607K0.42%-5,711Timeline
IUSBISHARES 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: 8,811 shares; 2025Q3: 12,276 shares; 2025Q4: 12,448 shares 12,448$579K0.41%+172Timeline
SCHASCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,455 shares; 2024Q4: 17,014 shares; 2025Q1: 17,054 shares; 2025Q2: 17,110 shares; 2025Q3: 15,538 shares; 2025Q4: 15,504 shares 15,504$442K0.31%-34Timeline
FNDXSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 4,400 shares; 2024Q4: 13,200 shares; 2025Q1: 13,200 shares; 2025Q2: 13,258 shares; 2025Q3: not reported; 2025Q4: 12,591 shares 12,591$343K0.24%newTimeline
SHYISHARES 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: 3,644 shares; 2025Q3: 3,679 shares; 2025Q4: 3,725 shares 3,725$309K0.22%+46Timeline
VTVANGUARD INTL EQUITY INDEX FQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,738 shares; 2024Q4: 2,758 shares; 2025Q1: 2,767 shares; 2025Q2: 2,780 shares; 2025Q3: not reported; 2025Q4: 2,114 shares 2,114$298K0.21%newTimeline
PLDPROLOGIS INC.Quarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 8,355 shares; 2024Q4: 5,956 shares; 2025Q1: 6,010 shares; 2025Q2: 2,079 shares; 2025Q3: 2,119 shares; 2025Q4: 2,131 shares 2,131$272K0.19%+12Timeline
SCHFSCHWAB STRATEGIC TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 16,955 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: not reported; 2025Q4: 10,834 shares 10,834$260K0.18%newTimeline
VCSHVANGUARD SCOTTSDALE FDSQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,673 shares; 2024Q4: 2,710 shares; 2025Q1: 2,666 shares; 2025Q2: 2,695 shares; 2025Q3: 2,725 shares; 2025Q4: 2,766 shares 2,766$221K0.15%+41Timeline
EFAISHARES TRQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 2,534 shares; 2024Q4: not reported; 2025Q1: not reported; 2025Q2: not reported; 2025Q3: 2,213 shares; 2025Q4: 2,254 shares 2,254$216K0.15%+41Timeline
FLRNSPDR SERIES TRUSTQuarterly shares; oldest to newest; scale is this security's eight-quarter maximum; 2024Q1: restricted; 2024Q2: restricted; 2024Q3: 27,528 shares; 2024Q4: 21,414 shares; 2025Q1: 18,320 shares; 2025Q2: 13,040 shares; 2025Q3: 7,475 shares; 2025Q4: 6,599 shares 6,599$203K0.14%-876Timeline

Sold out in Q4 2025

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

SecurityShares beforeValue beforeType
ICSHISHARES TR9,572$486Kshares
RBRKRUBRIK INC.4,817$396Kshares
VNQVANGUARD INDEX FDS3,639$333Kshares
VMRKVIVMARK RESIDENTIAL4,085$264Kshares
VCITVANGUARD SCOTTSDALE FDS3,052$257Kshares

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 0001172661-26-000229 base2026-01-20acceptance time not in the bulk data set