FINANCIAL LIFE ADVISORS

Filed: 4/29/2026ACC: 0001730813-26-000003

📋 What this filing means

FINANCIAL LIFE ADVISORS filed this quarterly 13F‑HR report disclosing 52 equity positions with a total reported market value of $320.99M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$320.99M

Total AUM (reported)

5.74M

Total Shares

Allocation by class

S&P 500 GRWT ETF$40.83M12.7%

S&P 500 VAL ETF$35.25M11.0%

US AGGREGATE B$34.84M10.9%

STATE STREET SPD$32.56M10.1%

ISHARES US EQUIT$19.24M6.0%

EAFE VALUE ETF$17.45M5.4%

LONG TERM TREAS$16.21M5.1%

Portfolio Concentration

Top 3$110.93M34.6%

4–10$112.10M34.9%

11–25$82.00M25.5%

Rest$15.97M5.0%

Top 3 weight

34.6%

Top 10 weight

69.5%

Voting Authority Distribution

Total shares with voting rights: 5.74M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

5.74M

% of voting shares100.0%

Investment Discretion (by position count)

Sole52

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings52

Rows:

ISHARES TR

SOLE

S&P 500 GRWT ETF

Shares361.01K

TypeSH

Market value$40.83M

12.72%

Sole

0.00

Shared

0.00

None

361.01K

ISHARES TR

SOLE

S&P 500 VAL ETF

Shares166.96K

TypeSH

Market value$35.25M

10.98%

Sole

0.00

Shared

0.00

None

166.96K

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares1.50M

TypeSH

Market value$34.84M

10.85%

Sole

0.00

Shared

0.00

None

1.50M

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares1.04M

TypeSH

Market value$23.32M

7.26%

Sole

0.00

Shared

0.00

None

1.04M

BLACKROCK ETF TRUST

SOLE

ISHARES US EQUIT

Shares330.63K

TypeSH

Market value$19.24M

5.99%

Sole

0.00

Shared

0.00

None

330.63K

ISHARES TR

SOLE

EAFE VALUE ETF

Shares234.71K

TypeSH

Market value$17.45M

5.44%

Sole

0.00

Shared

0.00

None

234.71K

VANGUARD SCOTTSDALE FDS

SOLE

LONG TERM TREAS

Shares292.88K

TypeSH

Market value$16.21M

5.05%

Sole

0.00

Shared

0.00

None

292.88K

VANGUARD INTL EQUITY INDEX F

SOLE

FTSE EMR MKT ETF

Shares223.41K

TypeSH

Market value$12.08M

3.76%

Sole

0.00

Shared

0.00

None

223.41K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares27.30K

TypeSH

Market value$11.93M

3.72%

Sole

0.00

Shared

0.00

None

27.30K

ISHARES TR

SOLE

CORE UNIVRSL USD

Shares257.19K

TypeSH

Market value$11.88M

3.70%

Sole

0.00

Shared

0.00

None

257.19K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares49.41K

TypeSH

Market value$9.48M

2.95%

Sole

0.00

Shared

0.00

None

49.41K

ISHARES TR

SOLE

EAFE GRWTH ETF

Shares82.18K

TypeSH

Market value$9.15M

2.85%

Sole

0.00

Shared

0.00

None

82.18K

ISHARES TR

SOLE

U.S. TECH ETF

Shares48.63K

TypeSH

Market value$8.82M

2.75%

Sole

0.00

Shared

0.00

None

48.63K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares361.44K

TypeSH

Market value$8.43M

2.63%

Sole

0.00

Shared

0.00

None

361.44K

ISHARES TR

SOLE

S&P 100 ETF

Shares23.12K

TypeSH

Market value$7.35M

2.29%

Sole

0.00

Shared

0.00

None

23.12K

VANGUARD INDEX FDS

SOLE

VALUE ETF

Shares33.46K

TypeSH

Market value$6.57M

2.05%

Sole

0.00

Shared

0.00

None

33.46K

WORLD GOLD TR

SOLE

SPDR GLD MINIS

Shares65.86K

TypeSH

Market value$6.10M

1.90%

Sole

0.00

Shared

0.00

None

65.86K

ISHARES TR

SOLE

NATIONAL MUN ETF

Shares46.59K

TypeSH

Market value$4.95M

1.54%

Sole

0.00

Shared

0.00

None

46.59K

ISHARES TR

SOLE

US AER DEF ETF

Shares19.75K

TypeSH

Market value$4.32M

1.35%

Sole

0.00

Shared

0.00

None

19.75K

VANGUARD MUN BD FDS

SOLE

TAX EXEMPT BD

Shares82.02K

TypeSH

Market value$4.09M

1.27%

Sole

0.00

Shared

0.00

None

82.02K

BLACKROCK ETF TRUST II

SOLE

ISHARES FLEXIBLE

Shares74.39K

TypeSH

Market value$3.86M

1.20%

Sole

0.00

Shared

0.00

None

74.39K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares61.49K

TypeSH

Market value$3.07M

0.96%

Sole

0.00

Shared

0.00

None

61.49K

ISHARES TR

SOLE

10-20 YR TRS ETF

Shares25.50K

TypeSH

Market value$2.57M

0.80%

Sole

0.00

Shared

0.00

None

25.50K

COLUMBIA ETF TR II

SOLE

EM CORE EX ETF

Shares44.40K

TypeSH

Market value$1.81M

0.56%

Sole

0.00

Shared

0.00

None

44.40K

BLACKROCK ETF TRUST

SOLE

ISHARES A I INNO

Shares43.14K

TypeSH

Market value$1.42M

0.44%

Sole

0.00

Shared

0.00

None

43.14K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	S&P 500 GRWT ETF	361.01K	SH	$40.83M 12.72%	361.01K
ISHARES TRSOLE	S&P 500 VAL ETF	166.96K	SH	$35.25M 10.98%	166.96K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	1.50M	SH	$34.84M 10.85%	1.50M
SPDR SERIES TRUSTSOLE	STATE STREET SPD	1.04M	SH	$23.32M 7.26%	1.04M
BLACKROCK ETF TRUSTSOLE	ISHARES US EQUIT	330.63K	SH	$19.24M 5.99%	330.63K
ISHARES TRSOLE	EAFE VALUE ETF	234.71K	SH	$17.45M 5.44%	234.71K
VANGUARD SCOTTSDALE FDSSOLE	LONG TERM TREAS	292.88K	SH	$16.21M 5.05%	292.88K
VANGUARD INTL EQUITY INDEX FSOLE	FTSE EMR MKT ETF	223.41K	SH	$12.08M 3.76%	223.41K
VANGUARD INDEX FDSSOLE	GROWTH ETF	27.30K	SH	$11.93M 3.72%	27.30K
ISHARES TRSOLE	CORE UNIVRSL USD	257.19K	SH	$11.88M 3.70%	257.19K
ISHARES TRSOLE	MSCI USA QLT FCT	49.41K	SH	$9.48M 2.95%	49.41K
ISHARES TRSOLE	EAFE GRWTH ETF	82.18K	SH	$9.15M 2.85%	82.18K
ISHARES TRSOLE	U.S. TECH ETF	48.63K	SH	$8.82M 2.75%	48.63K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	361.44K	SH	$8.43M 2.63%	361.44K
ISHARES TRSOLE	S&P 100 ETF	23.12K	SH	$7.35M 2.29%	23.12K
VANGUARD INDEX FDSSOLE	VALUE ETF	33.46K	SH	$6.57M 2.05%	33.46K
WORLD GOLD TRSOLE	SPDR GLD MINIS	65.86K	SH	$6.10M 1.90%	65.86K
ISHARES TRSOLE	NATIONAL MUN ETF	46.59K	SH	$4.95M 1.54%	46.59K
ISHARES TRSOLE	US AER DEF ETF	19.75K	SH	$4.32M 1.35%	19.75K
VANGUARD MUN BD FDSSOLE	TAX EXEMPT BD	82.02K	SH	$4.09M 1.27%	82.02K
BLACKROCK ETF TRUST IISOLE	ISHARES FLEXIBLE	74.39K	SH	$3.86M 1.20%	74.39K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	61.49K	SH	$3.07M 0.96%	61.49K
ISHARES TRSOLE	10-20 YR TRS ETF	25.50K	SH	$2.57M 0.80%	25.50K
COLUMBIA ETF TR IISOLE	EM CORE EX ETF	44.40K	SH	$1.81M 0.56%	44.40K
BLACKROCK ETF TRUSTSOLE	ISHARES A I INNO	43.14K	SH	$1.42M 0.44%	43.14K

Page 1 of 3