FL
Financial Life Advisors Quarterly 13F Portfolio Update (Q3 2026)
Financial Life AdvisorsCIK: 0001730813
Diversified strategyMomentum followerSector-focused
Total reported value
$352.3M
Reporting period: 2026-09-30 · Number of holdings: 61
FINANCIAL LIFE ADVISORS disclosed 61 holdings in its latest 13F filing for the period ending 2026-09-30, with total reported value of $352.3M and a quarterly turnover rate of 6.5%.
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Personality snowflake
- Concentration
- 26.46
- Portfolio Stability
- 6.52
- Momentum
- 100
- Sector conviction
- 94.46
- Diversification
- 100
- Sizing Uniformity
- 82.62
Financial Life Advisors's disclosed holdings carry a Herfindahl concentration index of 0.066 — mathematically equivalent to about 15 equally-sized positions, well below its 61 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.74), with a handful of outsized bets alongside many smaller positions.
Recent activity leans toward adding more aggressively to already-large existing positions than to newly initiated ones (a 3.3 percentage-point tilt) — a pattern consistent with a momentum-following approach.
Sector classification currently covers about 1% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Source and citation information
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Recent moves
View source Form 13F filing on SEC.govTrim VGLT
-5.5% -$2.4M
Add IUSB
+17.1% $2.0M
Trim SPMB
-0.5% -$1.7M
Add IVW
+0.2% $1.7M
Add NVDA
+451.3% $1.2M
Add EFV
+1.7% $901.6K
Holdings Map
New buyAddUnchangedTrim
Top 10 holdings by weight
Full holdings list this quarter
Showing top 60 holdings (of 61 total)
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | IVW | Ishares S&p 500 Growth ETF | ETF-Large Cap & Growth | 13.67% | +0.47% | +0.22% | |
| 2 | IVE | Ishares S&p 500 Value ETF | ETF-Large Cap & Growth | 10.76% | +0.24% | +1.88% | |
| 3 | SCHZ | Schwab US Aggregate Bond ETF | ETF-Other | 10.30% | -0.05% | +4.32% | |
| 4 | SPMB | Ss Spdr P Mort Back Bond ETF | ETF-Other | 7.77% | -0.48% | -0.54% | |
| 5 | DYNF | Ishrs US E F R A Etf-usd Inc | ETF-Other | 5.99% | +0.07% | -0.56% | |
| 6 | IUSB | Ishr Cr Unvrse Usd Bd Etf-ui | ETF-Other | 5.42% | +0.57% | +17.13% | |
| 7 | EFV | Ishares Msci Eafe Value ETF | ETF-Other | 5.23% | +0.24% | +1.70% | |
| 8 | VWO | Vanguard Ftse Emerging Marke | ETF-Emerging Markets | 4.56% | +0.12% | +3.49% | |
| 9 | VUG | Vanguard Growth ETF | ETF-Other | 4.20% | +0.19% | +0.17% | |
| 10 | VGLT | Vanguard Long-term Treasury | ETF-Gov Bonds | 4.17% | -0.69% | -5.53% | |
| 11 | EFG | Ishares Msci Eafe Growth ETF | ETF-Other | 3.55% | +0.02% | +4.52% | |
| 12 | QUAL | Ishares Msci USA Quality Fac | ETF-Other | 3.02% | +0.01% | -0.63% | |
| 13 | BAI | Ishrs Ai In And Tech Act ETF | ETF-Tech | 2.05% | -0.05% | +9.33% | |
| 14 | VTV | Vanguard Value ETF | ETF-Other | 1.92% | -0.07% | -2.32% | |
| 15 | IYW | Ishares Ustechnology ETF | ETF-Tech | 1.60% | -0.13% | -12.08% | |
| 16 | BLCR | Ishares Lrg Cp Cr Act Etf-ui | ETF-Other | 1.34% | +0.08% | +9.08% | |
| 17 | MUB | Ishares National Muni Bond E | ETF-Other | 1.29% | -0.18% | -6.34% | |
| 18 | ITA | Ishares U.s. Aerospace & Def | ETF-Other | 1.23% | -0.18% | +2.02% | |
| 19 | BINC | Ishares Flex I A Etf-usd Inc | ETF-Other | 1.16% | +0.01% | +4.15% | |
| 20 | VTEB | Vanguard Tax-exempt Bond ETF | ETF-Other | 1.01% | -0.13% | -4.45% | |
| 21 | GLDM | Spdr Gold Minishares Trust | ETF-Commodities | 0.97% | -0.01% | -4.47% | |
| 22 | OEF | Ishares S&p 100 ETF | ETF-Other | 0.94% | -0.15% | -17.20% | |
| 23 | VTIP | Vanguard Short-term Tips | ETF-Other | 0.92% | +0.02% | +4.47% | |
| 24 | PZA | Invesco National Amt-free Mu | ETF-Other | 0.58% | -0.11% | -7.31% | |
| 25 | SYSB | Ishares Systematic Bond ETF | ETF-Other | 0.41% | -0.01% | +3.85% | |
| 26 | XCEM | Columbia Em Core Ex-china | ETF-Emerging Markets | 0.40% | -0.03% | -4.91% | |
| 27 | NVDA | Nvidia CORP | Stock-Tech | 0.40% | +0.34% | +451.26% | |
| 28 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 0.40% | — | — | |
| 29 | SPLV | Invesco S&p 500 Low Volatili | ETF-Large Cap & Growth | 0.37% | -0.04% | -3.57% | |
| 30 | EMXC | Ishares Msci Emr Mrk Ex Chna | ETF-Other | 0.35% | -0.01% | — | |
| 31 | SCHG | Schwab US Large-cap Growth | ETF-Other | 0.34% | +0.02% | — | |
| 32 | ICVT | Ishares Convertible Bond ETF | ETF-Other | 0.30% | -0.02% | +3.26% | |
| 33 | VGT | Vanguard Info Tech ETF | ETF-Tech | 0.27% | +0.01% | — | |
| 34 | EHC | Encompass Health CORP | Stock-Healthcare | 0.27% | +0.02% | -9.14% | |
| 35 | AMZN | Amazon.com Inc | Stock-Consumer Disc | 0.25% | +0.01% | — | |
| 36 | SPY | Ss Spdr S&p 500 ETF Trust-us | ETF-Large Cap & Growth | 0.24% | +0.01% | +0.09% | |
| 37 | AAPL | Apple Inc | Stock-Tech | 0.16% | +0.02% | -0.74% | |
| 38 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.16% | +0.01% | — | |
| 39 | SPTL | Ss Spdr Pf Lng Trm Tsy E-usd | ETF-Other | 0.16% | +0.05% | +55.50% | |
| 40 | MTUM | Ishares Msci USA Momentum Fa | ETF-Other | 0.14% | -0.01% | — | |
| 41 | SCHX | Schwab US Large-cap ETF | ETF-Other | 0.14% | +0.01% | +2.79% | |
| 42 | IEMG | Ishares Core Msci Emerging | ETF-Emerging Markets | 0.13% | -0.01% | — | |
| 43 | JMUB | Jpmorgan Municipal ETF | ETF-Other | 0.13% | +0.13% | NEW | |
| 44 | USMV | Ishares Msci USA Min Vol Fac | ETF-Other | 0.12% | -0.01% | -11.87% | |
| 45 | BND | Vanguard Total Bond Market | ETF-Other | 0.11% | +0.11% | NEW | |
| 46 | NULG | Nuveen Esg Lrg-cap Grw ETF | ETF-Other | 0.10% | -0.01% | — | |
| 47 | ✓ | Stock-Other | 0.10% | +0.10% | NEW | ||
| 48 | GOOG | Alphabet Inc-cl C | Stock-Comm Services | 0.09% | — | — | |
| 49 | SCMB | Schwab Municipal Bond ETF | ETF-Other | 0.09% | +0.09% | NEW | |
| 50 | VTEL | Vanguard Lt Tax-ex Bond | ETF-Other | 0.08% | +0.08% | NEW |
1–50 of 60
💡
Data Source Notice: AlphaSMO is the web's most authoritative 13F / Inside Trader database. Institutional holdings and insider trades presented here are precisely computed to deliver accurate portfolio reporting.
Portfolio Performance
Performance for Q4 2026
+0.7%
Performance Last 4 Quarters
+8.3%
- Stdev
- +8.6%
- Beta
- +0.67
- Alpha
- +0.4%
- Max Drawdown
- -4.5%
- Annualized Perf
- +16.1%
- Batting Avg vs S&P
- +30.6%
- Sortino
- +3.68
- Stutzer
- +0.52
- Treynor
- +0.23
- Sterling
- +1.18
- Calmar
- +3.56
- Information Ratio
- -1.45
- Tracking Error
- +4.9%
- Stdev Down
- +4.2%
- Winning Months %
- +77.8%
- Losing Months %
- +22.2%
- Best 12 Months
- +24.1%
- Worst 12 Months
- +6.1%
- Efficiency Ratio
- +0.69
- Sharpe
- +1.79
- Stdev Sectors
- +15.2%
- Skewness
- -0.17
- Kurtosis
- +0.18
- Upside Potential
- +5.09
Reported value over time
Sector allocation
Sector allocation over time
Quarterly history
| Period | Holdings | Total value | Stability | Top holdings | |
|---|---|---|---|---|---|
| 2026 Q3 | 61 | $352.3M | 7 | ||
| 2026 Q2 | 61 | $351.7M | 0 | ||
| 2026 Q1 | 52 | $321.0M | 7 | ||
| 2025 Q4 | 53 | $324.3M | 11 | ||
| 2025 Q3 | 47 | $311.3M | 22 | ||
| 2025 Q2 | 48 | $292.3M | 0 | ||
| 2025 Q1 | 51 | $268.3M | 100 | ||
| 2024 Q4 | 46 | $266.2M | 0 | ||
| 2024 Q3 | 48 | $264.7M | 0 | ||
| 2024 Q2 | 57 | $246.4M | 0 | ||
| 2024 Q1 | 60 | $239.0M | 0 | ||
| 2023 Q4 | 58 | $232.4M | 0 | ||
| 2023 Q3 | 55 | $232.4M | 0 | ||
| 2023 Q2 | 60 | $239.6M | 0 | ||
| 2023 Q1 | 69 | $232.6M | 0 | ||
| 2022 Q4 | 70 | $216.8M | 0 | ||
| 2022 Q3 | 69 | $199.6M | 0 | ||
| 2022 Q2 | 51 | $213.5M | 0 | ||
| 2022 Q1 | 54 | $241.2M | 0 | ||
| 2021 Q4 | 54 | $254.0M | 0 | ||
| 2021 Q3 | 54 | $239.0M | 0 | ||
| 2021 Q2 | 56 | $232.2M | 96 | ||
| 2021 Q1 | 52 | $214.8M | 13 | ||
| 2020 Q4 | 50 | $193.2M | 17 | ||
| 2020 Q3 | 48 | $191.0M | 18 | ||
| 2020 Q2 | 23 | $169.2M | 15 | ||
| 2020 Q1 | 23 | $145.9M | 22 | ||
| 2019 Q4 | 45 | $164.8M | 6 | ||
| 2019 Q3 | 46 | $157.9M | 7 | ||
| 2019 Q2 | 47 | $150.9M | 6 | ||
| 2019 Q1 | 47 | $145.3M | 22 | ||
| 2018 Q4 | 48 | $129.2M | 12 | ||
| 2018 Q3 | 46 | $136.4M | 13 | ||
| 2018 Q2 | 44 | $121.8M | 20 | ||
| 2018 Q1 | 48 | $109.2M | 19 | ||
| 2017 Q4 | 50 | $123.7M | 0 |
Holding changes this quarter
Financial Life Advisors's most significant position changes for 2026-09-30: Sold out: Ss Spdr N Ice Muni Bond ETF (TFI); New buy: Jpmorgan Municipal ETF (JMUB); Sold out: Ishares 10-20 Year Treasury (TLH); New buy: Vanguard Total Bond Market (BND); New buy: .
1–50 of 69
Filing History
FAQ
What is Financial Life Advisors and what type of investor is it?
Financial Life Advisors is an investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-09-30), the firm manages a tracked equity portfolio valued at approximately $352.3M, spread across 61 disclosed positions.
What are Financial Life Advisors's largest equity positions?
Based on the latest 13F filing, Financial Life Advisors's top holdings by market value are:
1. Ishares S&p 500 Growth ETF (IVW) — $48.1M (13.7%)
2. Ishares S&p 500 Value ETF (IVE) — $37.9M (10.8%)
3. Schwab US Aggregate Bond ETF (SCHZ) — $36.3M (10.3%)
4. Ss Spdr P Mort Back Bond ETF (SPMB) — $27.4M (7.8%)
5. Ishrs US E F R A Etf-usd Inc (DYNF) — $21.1M (6.0%)
What changes did Financial Life Advisors make in its most recent portfolio filing?
In the latest reported quarter, Financial Life Advisors made 54 notable position adjustments: 9 new positions were initiated, 19 existing holdings were added to, 17 positions were partially reduced, and 9 were completely exited. The largest of these moves: Sold out: Ss Spdr N Ice Muni Bond ETF (TFI); New buy: Jpmorgan Municipal ETF (JMUB); Sold out: Ishares 10-20 Year Treasury (TLH); New buy: Vanguard Total Bond Market (BND); New buy:
What sectors does Financial Life Advisors focus on?
Financial Life Advisors is concentrated in the following sectors based on its current disclosed equity portfolio:
• Information Technology: 47.8%
• Health Care: 20.6%
• Consumer Discretionary: 19.0%
• Communication Services: 6.6%
• Financials: 6.0%
Investment Profile
Financial Life Advisors returned an annualized 16.1% over the trailing 36 months — outperforming the S&P 500 by 0.4 points — based on a reconstructed track record of its disclosed 13F positions, with a beta of 0.67 (less volatile than the market) and a 31% quarterly batting average against the index.
Its portfolio is broadly diversified and long-term-holding, with 47.8% of the portfolio concentrated in Information Technology.
Its turnover score has fallen from 22 to 7 over the past 4 quarters — a shift toward longer holding periods.
It has added to its IVW position over the past two quarters (+$7.3M, now $48.1M), while trimming OEF over the same stretch (-$4.0M, still holding $3.3M).
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Developer Access
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