FINANCIAL LIFE ADVISORS

Filed: 4/24/2025ACC: 0001730813-25-000004

📋 What this filing means

FINANCIAL LIFE ADVISORS filed this quarterly 13F‑HR report disclosing 51 equity positions with a total reported market value of $268.29M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$268.29M

Total AUM (reported)

4.97M

Total Shares

Allocation by class

S&P 500 GRWT ETF$36.52M13.6%

S&P 500 VAL ETF$30.80M11.5%

US AGGREGATE B$28.97M10.8%

PORT MTG BK ETF$17.28M6.4%

CORE TOTAL USD$15.35M5.7%

ISHARES US EQUIT$14.64M5.5%

EAFE VALUE ETF$13.32M5.0%

Portfolio Concentration

Top 3$96.29M35.9%

4–10$88.43M33.0%

11–25$69.43M25.9%

Rest$14.14M5.3%

Top 3 weight

35.9%

Top 10 weight

68.9%

Voting Authority Distribution

Total shares with voting rights: 4.97M

Sole

Full voting authority

20.86K

% of voting shares0.4%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

4.95M

% of voting shares99.6%

Investment Discretion (by position count)

Sole51

Shared0

Other0

Dominant voting typeNone · 99.6% of voting shares

Institutional Holdings51

Rows:

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares393.38K

TypeSH

Market value$36.52M

13.61%

Sole

4.14K

Shared

0.00

None

389.23K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares161.61K

TypeSH

Market value$30.80M

11.48%

Sole

1.06K

Shared

0.00

None

160.55K

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares1.25M

TypeSH

Market value$28.97M

10.80%

Sole

4.60K

Shared

0.00

None

1.25M

SPDR SER TR

SOLE

PORT MTG BK ETF

Shares783.55K

TypeSH

Market value$17.28M

6.44%

Sole

3.67K

Shared

0.00

None

779.88K

ISHARES TR

SOLE

CORE TOTAL USD

Shares333.13K

TypeSH

Market value$15.35M

5.72%

Sole

2.04K

Shared

0.00

None

331.09K

BLACKROCK ETF TRUST

SOLE

ISHARES US EQUIT

Shares300.22K

TypeSH

Market value$14.64M

5.46%

Sole

879.00

Shared

0.00

None

299.34K

ISHARES TR

SOLE

EAFE VALUE ETF

Shares226.06K

TypeSH

Market value$13.32M

4.97%

Sole

383.00

Shared

0.00

None

225.67K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares26.18K

TypeSH

Market value$9.71M

3.62%

Sole

0.00

Shared

0.00

None

26.18K

VANGUARD SCOTTSDALE FDS

SOLE

LONG TERM TREAS

Shares159.09K

TypeSH

Market value$9.17M

3.42%

Sole

0.00

Shared

0.00

None

159.09K

ISHARES TR

SOLE

EAFE GRWTH ETF

Shares89.65K

TypeSH

Market value$8.96M

3.34%

Sole

708.00

Shared

0.00

None

88.94K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares45.94K

TypeSH

Market value$7.85M

2.93%

Sole

218.00

Shared

0.00

None

45.72K

ISHARES TR

SOLE

U.S. TECH ETF

Shares53.25K

TypeSH

Market value$7.48M

2.79%

Sole

396.00

Shared

0.00

None

52.85K

ISHARES TR

SOLE

S&P 100 ETF

Shares26.52K

TypeSH

Market value$7.18M

2.68%

Sole

5.00

Shared

0.00

None

26.52K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares36.56K

TypeSH

Market value$6.32M

2.35%

Sole

0.00

Shared

0.00

None

36.56K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares47.90K

TypeSH

Market value$5.05M

1.88%

Sole

0.00

Shared

0.00

None

47.90K

ISHARES INC

SOLE

MSCI EMRG CHN

Shares90.66K

TypeSH

Market value$4.99M

1.86%

Sole

921.00

Shared

0.00

None

89.74K

SPDR SER TR

SOLE

PORTFLI HIGH YLD

Shares190.63K

TypeSH

Market value$4.46M

1.66%

Sole

0.00

Shared

0.00

None

190.63K

ISHARES TR

SOLE

10-20 YR TRS ETF

Shares40.76K

TypeSH

Market value$4.23M

1.58%

Sole

294.00

Shared

0.00

None

40.46K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares73.86K

TypeSH

Market value$3.67M

1.37%

Sole

0.00

Shared

0.00

None

73.86K

COLUMBIA ETF TR II

SOLE

EM CORE EX ETF

Shares124.06K

TypeSH

Market value$3.66M

1.37%

Sole

0.00

Shared

0.00

None

124.06K

WORLD GOLD TR

SOLE

SPDR GLD MINIS

Shares56.28K

TypeSH

Market value$3.48M

1.30%

Sole

0.00

Shared

0.00

None

56.28K

BLACKROCK ETF TRUST II

SOLE

ISHARES FLEXIBLE

Shares63.44K

TypeSH

Market value$3.32M

1.24%

Sole

0.00

Shared

0.00

None

63.44K

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares58.81K

TypeSH

Market value$3.08M

1.15%

Sole

515.00

Shared

0.00

None

58.29K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares46.76K

TypeSH

Market value$2.33M

0.87%

Sole

0.00

Shared

0.00

None

46.76K

ISHARES TR

SOLE

HDG MSCI EAFE

Shares63.83K

TypeSH

Market value$2.32M

0.86%

Sole

0.00

Shared

0.00

None

63.83K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	None
ISHARES TRSOLE	S&P 500 GRWT ETF	393.38K	SH	$36.52M 13.61%	4.14K	389.23K
ISHARES TRSOLE	S&P 500 VAL ETF	161.61K	SH	$30.80M 11.48%	1.06K	160.55K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	1.25M	SH	$28.97M 10.80%	4.60K	1.25M
SPDR SER TRSOLE	PORT MTG BK ETF	783.55K	SH	$17.28M 6.44%	3.67K	779.88K
ISHARES TRSOLE	CORE TOTAL USD	333.13K	SH	$15.35M 5.72%	2.04K	331.09K
BLACKROCK ETF TRUSTSOLE	ISHARES US EQUIT	300.22K	SH	$14.64M 5.46%	879.00	299.34K
ISHARES TRSOLE	EAFE VALUE ETF	226.06K	SH	$13.32M 4.97%	383.00	225.67K
VANGUARD INDEX FDSSOLE	GROWTH ETF	26.18K	SH	$9.71M 3.62%	0.00	26.18K
VANGUARD SCOTTSDALE FDSSOLE	LONG TERM TREAS	159.09K	SH	$9.17M 3.42%	0.00	159.09K
ISHARES TRSOLE	EAFE GRWTH ETF	89.65K	SH	$8.96M 3.34%	708.00	88.94K
ISHARES TRSOLE	MSCI USA QLT FCT	45.94K	SH	$7.85M 2.93%	218.00	45.72K
ISHARES TRSOLE	U.S. TECH ETF	53.25K	SH	$7.48M 2.79%	396.00	52.85K
ISHARES TRSOLE	S&P 100 ETF	26.52K	SH	$7.18M 2.68%	5.00	26.52K
VANGUARD INDEX FDSSOLE	VALUE ETF	36.56K	SH	$6.32M 2.35%	0.00	36.56K
ISHARES TRSOLE	NATIONAL MUN ETF	47.90K	SH	$5.05M 1.88%	0.00	47.90K
ISHARES INCSOLE	MSCI EMRG CHN	90.66K	SH	$4.99M 1.86%	921.00	89.74K
SPDR SER TRSOLE	PORTFLI HIGH YLD	190.63K	SH	$4.46M 1.66%	0.00	190.63K
ISHARES TRSOLE	10-20 YR TRS ETF	40.76K	SH	$4.23M 1.58%	294.00	40.46K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	73.86K	SH	$3.67M 1.37%	0.00	73.86K
COLUMBIA ETF TR IISOLE	EM CORE EX ETF	124.06K	SH	$3.66M 1.37%	0.00	124.06K
WORLD GOLD TRSOLE	SPDR GLD MINIS	56.28K	SH	$3.48M 1.30%	0.00	56.28K
BLACKROCK ETF TRUST IISOLE	ISHARES FLEXIBLE	63.44K	SH	$3.32M 1.24%	0.00	63.44K
ISHARES TRSOLE	ISHS 1-5YR INVS	58.81K	SH	$3.08M 1.15%	515.00	58.29K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	46.76K	SH	$2.33M 0.87%	0.00	46.76K
ISHARES TRSOLE	HDG MSCI EAFE	63.83K	SH	$2.32M 0.86%	0.00	63.83K

Page 1 of 3