FINANCIAL LIFE ADVISORS

Filed: 7/23/2025ACC: 0001730813-25-000005

📋 What this filing means

FINANCIAL LIFE ADVISORS filed this quarterly 13F‑HR report disclosing 48 equity positions with a total reported market value of $292.26M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$292.26M

Total AUM (reported)

5.15M

Total Shares

Allocation by class

S&P 500 GRWT ETF$42.91M14.7%

S&P 500 VAL ETF$32.98M11.3%

US AGGREGATE B$30.08M10.3%

PORT MTG BK ETF$18.25M6.2%

ISHARES US EQUIT$17.89M6.1%

EAFE VALUE ETF$14.65M5.0%

CORE TOTAL USD$14.42M4.9%

Portfolio Concentration

Top 3$105.97M36.3%

4–10$97.85M33.5%

11–25$74.00M25.3%

Rest$14.44M4.9%

Top 3 weight

36.3%

Top 10 weight

69.7%

Voting Authority Distribution

Total shares with voting rights: 5.15M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

5.15M

% of voting shares100.0%

Investment Discretion (by position count)

Sole48

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings48

Rows:

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares389.75K

TypeSH

Market value$42.91M

14.68%

Sole

0.00

Shared

0.00

None

389.75K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares168.75K

TypeSH

Market value$32.98M

11.28%

Sole

0.00

Shared

0.00

None

168.75K

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares1.29M

TypeSH

Market value$30.08M

10.29%

Sole

0.00

Shared

0.00

None

1.29M

SPDR SERIES TRUST

SOLE

PORT MTG BK ETF

Shares825.67K

TypeSH

Market value$18.25M

6.24%

Sole

0.00

Shared

0.00

None

825.67K

BLACKROCK ETF TRUST

SOLE

ISHARES US EQUIT

Shares328.51K

TypeSH

Market value$17.89M

6.12%

Sole

0.00

Shared

0.00

None

328.51K

ISHARES TR

SOLE

EAFE VALUE ETF

Shares230.73K

TypeSH

Market value$14.65M

5.01%

Sole

0.00

Shared

0.00

None

230.73K

ISHARES TR

SOLE

CORE TOTAL USD

Shares311.92K

TypeSH

Market value$14.42M

4.93%

Sole

0.00

Shared

0.00

None

311.92K

VANGUARD SCOTTSDALE FDS

SOLE

LONG TERM TREAS

Shares206.91K

TypeSH

Market value$11.61M

3.97%

Sole

0.00

Shared

0.00

None

206.91K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares26.01K

TypeSH

Market value$11.40M

3.90%

Sole

0.00

Shared

0.00

None

26.01K

ISHARES TR

SOLE

EAFE GRWTH ETF

Shares86.05K

TypeSH

Market value$9.64M

3.30%

Sole

0.00

Shared

0.00

None

86.05K

ISHARES TR

SOLE

U.S. TECH ETF

Shares55.44K

TypeSH

Market value$9.61M

3.29%

Sole

0.00

Shared

0.00

None

55.44K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares47.26K

TypeSH

Market value$8.64M

2.96%

Sole

0.00

Shared

0.00

None

47.26K

ISHARES TR

SOLE

S&P 100 ETF

Shares27.61K

TypeSH

Market value$8.40M

2.87%

Sole

0.00

Shared

0.00

None

27.61K

SPDR SERIES TRUST

SOLE

PORTFLI HIGH YLD

Shares267.48K

TypeSH

Market value$6.37M

2.18%

Sole

0.00

Shared

0.00

None

267.48K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares35.76K

TypeSH

Market value$6.32M

2.16%

Sole

0.00

Shared

0.00

None

35.76K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares48.85K

TypeSH

Market value$5.10M

1.75%

Sole

0.00

Shared

0.00

None

48.85K

WORLD GOLD TR

SOLE

SPDR GLD MINIS

Shares72.78K

TypeSH

Market value$4.77M

1.63%

Sole

0.00

Shared

0.00

None

72.78K

COLUMBIA ETF TR II

SOLE

EM CORE EX ETF

Shares127.51K

TypeSH

Market value$4.36M

1.49%

Sole

0.00

Shared

0.00

None

127.51K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares77.17K

TypeSH

Market value$3.78M

1.29%

Sole

0.00

Shared

0.00

None

77.17K

BLACKROCK ETF TRUST II

SOLE

ISHARES FLEXIBLE

Shares67.25K

TypeSH

Market value$3.55M

1.22%

Sole

0.00

Shared

0.00

None

67.25K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares61.56K

TypeSH

Market value$3.04M

1.04%

Sole

0.00

Shared

0.00

None

61.56K

ISHARES TR

SOLE

HDG MSCI EAFE

Shares74.81K

TypeSH

Market value$2.84M

0.97%

Sole

0.00

Shared

0.00

None

74.81K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares53.95K

TypeSH

Market value$2.71M

0.93%

Sole

0.00

Shared

0.00

None

53.95K

ISHARES INC

SOLE

MSCI EMRG CHN

Shares37.96K

TypeSH

Market value$2.40M

0.82%

Sole

0.00

Shared

0.00

None

37.96K

ISHARES TR

SOLE

10-20 YR TRS ETF

Shares20.70K

TypeSH

Market value$2.10M

0.72%

Sole

0.00

Shared

0.00

None

20.70K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	S&P 500 GRWT ETF	389.75K	SH	$42.91M 14.68%	389.75K
ISHARES TRSOLE	S&P 500 VAL ETF	168.75K	SH	$32.98M 11.28%	168.75K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	1.29M	SH	$30.08M 10.29%	1.29M
SPDR SERIES TRUSTSOLE	PORT MTG BK ETF	825.67K	SH	$18.25M 6.24%	825.67K
BLACKROCK ETF TRUSTSOLE	ISHARES US EQUIT	328.51K	SH	$17.89M 6.12%	328.51K
ISHARES TRSOLE	EAFE VALUE ETF	230.73K	SH	$14.65M 5.01%	230.73K
ISHARES TRSOLE	CORE TOTAL USD	311.92K	SH	$14.42M 4.93%	311.92K
VANGUARD SCOTTSDALE FDSSOLE	LONG TERM TREAS	206.91K	SH	$11.61M 3.97%	206.91K
VANGUARD INDEX FDSSOLE	GROWTH ETF	26.01K	SH	$11.40M 3.90%	26.01K
ISHARES TRSOLE	EAFE GRWTH ETF	86.05K	SH	$9.64M 3.30%	86.05K
ISHARES TRSOLE	U.S. TECH ETF	55.44K	SH	$9.61M 3.29%	55.44K
ISHARES TRSOLE	MSCI USA QLT FCT	47.26K	SH	$8.64M 2.96%	47.26K
ISHARES TRSOLE	S&P 100 ETF	27.61K	SH	$8.40M 2.87%	27.61K
SPDR SERIES TRUSTSOLE	PORTFLI HIGH YLD	267.48K	SH	$6.37M 2.18%	267.48K
VANGUARD INDEX FDSSOLE	VALUE ETF	35.76K	SH	$6.32M 2.16%	35.76K
ISHARES TRSOLE	NATIONAL MUN ETF	48.85K	SH	$5.10M 1.75%	48.85K
WORLD GOLD TRSOLE	SPDR GLD MINIS	72.78K	SH	$4.77M 1.63%	72.78K
COLUMBIA ETF TR IISOLE	EM CORE EX ETF	127.51K	SH	$4.36M 1.49%	127.51K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	77.17K	SH	$3.78M 1.29%	77.17K
BLACKROCK ETF TRUST IISOLE	ISHARES FLEXIBLE	67.25K	SH	$3.55M 1.22%	67.25K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	61.56K	SH	$3.04M 1.04%	61.56K
ISHARES TRSOLE	HDG MSCI EAFE	74.81K	SH	$2.84M 0.97%	74.81K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	53.95K	SH	$2.71M 0.93%	53.95K
ISHARES INCSOLE	MSCI EMRG CHN	37.96K	SH	$2.40M 0.82%	37.96K
ISHARES TRSOLE	10-20 YR TRS ETF	20.70K	SH	$2.10M 0.72%	20.70K

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