Roger Wittlin Investment Advisory, LLC — Q4 2025 13F Holdings

Name: Roger Wittlin Investment Advisory, LLC — 13F Holdings, Q4 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0001911328

Total reported value

$127.3M

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	21.10%	+0.01%	-19.20%
2	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	13.68%	+1.30%	-24.19%
3	ITOT	Ishares Core S&p Total U.s.	ETF-Other	9.79%	+1.16%	-15.08%
4	SCHB	Schwab US Broad Market ETF	ETF-Other	9.14%	-3.52%	-15.39%
5	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	6.11%	+0.40%	-12.41%
6	LONZ	Pimco Senior Loan Active ETF	ETF-Other	5.25%	-0.39%	-35.86%
7	QQQ	Invesco Qqq Trust Series 1	ETF-Tech	3.67%	+0.42%	-30.81%
8	VLU	Ss Spdr S&p 1500 Value Tilt	ETF-Other	3.53%	-1.32%	-38.96%
9	VO	Vanguard Mid-cap ETF	ETF-Other	3.27%	+0.25%	-13.95%
10	BOND	Pimco Active Bond Exchange-t	ETF-Other	2.63%	-0.11%	-18.46%
11	VXUS	Vanguard Total Intl Stock	ETF-Other	2.47%	-0.08%	+4.90%
12	RSP	Invesco S&p 500 Equal Weight	ETF-Large Cap & Growth	2.16%	-0.04%	-26.33%
13	IAU	Ishares Gold Trust	ETF-Commodities	2.06%	+0.56%	+5.49%
14	VIG	Vanguard Dividend Apprec ETF	ETF-Other	1.17%	+0.05%	-10.35%
15	BND	Vanguard Total Bond Market	ETF-Other	1.14%	-0.29%	-29.38%
16	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	1.08%	-0.05%	-15.35%
17	SDY	Ss Spdr S&p Dividend ETF	ETF-Other	0.99%	-0.02%	-20.66%
18	MINT	Pimco Enhanced Short Maturit	ETF-Other	0.96%	-0.03%	-10.80%
19	VMBS	Vanguard Mortgage-backed Sec	ETF-Other	0.93%	-0.30%	-36.09%
20	GLD	Spdr Gold Shares	ETF-Commodities	0.91%	+0.11%	-8.05%
21	PYLD	Pimco Multisector Bond Actv	ETF-Other	0.90%	-0.01%	-18.46%
22	IJH	Ishares Core S&p Midcap ETF	ETF-Other	0.79%	-0.95%	EXIT
23	PLTR	Palantir Technologies Inc-a	Stock-Tech	0.66%	-0.15%	-55.45%
24	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	0.66%	+0.07%	-48.24%
25	VGK	Vanguard Ftse Europe ETF	ETF-Other	0.64%	—	-40.79%
26	SPMO	Invesco S&p 500 Momentum ETF	ETF-Large Cap & Growth	0.60%	+1.10%	-33.56%
27	LQD	Ishr Ibx Usd Invgd Cb Etf-ui	ETF-Corp Bonds	0.60%	—	-9.61%
28	AGG	Ishares Core U.s. Aggregate	ETF-Other	0.45%	-0.02%	-1.38%
29	IGSB	Ishares 1-5y Inv Grade CORP	ETF-Other	0.42%	-0.13%	-33.22%
30	IUSB	Ishr Cr Unvrse Usd Bd Etf-ui	ETF-Other	0.41%	-0.01%	+1.40%
31	SCHA	Schwab US Small-cap ETF	ETF-Other	0.31%	-0.02%	-0.22%
32	FNDX	Schwab Fndmntl US Lrg Co ETF	ETF-Other	0.24%	+0.02%	—
33	SHY	Ishares 1-3 Year Treasury Bo	ETF-Gov Bonds	0.22%	-0.25%	EXIT
34	VT	Vanguard Tot World Stk ETF	ETF-Other	0.21%	+0.02%	—
35	PLD	Prologis INC	Stock-Real Estate	0.19%	—	+0.57%
36	SCHF	Schwab Intl Equity ETF	ETF-Other	0.18%	+0.04%	—
37	VCSH	Vanguard S/t CORP Bond ETF	ETF-Corp Bonds	0.15%	—	+1.50%
38	EFA	Ishares Msci Eafe ETF	ETF-Other	0.15%	-0.02%	+1.85%
39	FLRN	Ss Spdr Bb Ig Float Rt ETF	ETF-Other	0.14%	—	-11.72%

Holding changes this quarter

Position changes disclosed by Roger Wittlin Investment Advisory, LLC for the quarter ending Q4 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	ITOT	Ishares Core S&p Total U.s.	+0.8%	-15.08%	Trim
2	VTI	Vanguard Total Stock Mkt ETF	+0.8%	-19.20%	Trim
3	SCHB	Schwab US Broad Market ETF	+0.7%	-15.39%	Trim
4	SPY	Ss Spdr S&p 500 ETF Trust-us	+0.7%	-12.41%	Trim
5	IAU	Ishares Gold Trust	+0.7%	+5.49%	Add
6	VXUS	Vanguard Total Intl Stock	+0.7%	+4.90%	Add
7	VO	Vanguard Mid-cap ETF	+0.2%	-13.95%	Trim
8	GLD	Spdr Gold Shares	+0.2%	-8.05%	Trim
9	VIG	Vanguard Dividend Apprec ETF	+0.2%	-10.35%	Trim
10	MINT	Pimco Enhanced Short Maturit	+0.1%	-10.80%	Trim
11	IEFA	Ishares Core Msci Eafe ETF	+0.1%	-15.35%	Trim
12	IUSB	Ishr Cr Unvrse Usd Bd Etf-ui	+0.1%	+1.40%	Add
13	AGG	Ishares Core U.s. Aggregate	+0.1%	-1.38%	Trim
14	LQD	Ishr Ibx Usd Invgd Cb Etf-ui	+0.1%	-9.61%	Trim
15	SCHA	Schwab US Small-cap ETF	+0.1%	-0.22%	Trim
16	BOND	Pimco Active Bond Exchange-t	+0.1%	-18.46%	Trim
17	PLD	Prologis INC	+0.1%	+0.57%	Add
18	SHY	Ishares 1-3 Year Treasury Bo	+0.1%	+1.25%	Add
19	EFA	Ishares Msci Eafe ETF	0%	+1.85%	Add
20	VCSH	Vanguard S/t CORP Bond ETF	0%	+1.50%	Add
21	PYLD	Pimco Multisector Bond Actv	0%	-18.46%	Trim
22	FLRN	Ss Spdr Bb Ig Float Rt ETF	0%	-11.72%	Trim
23	SDY	Ss Spdr S&p Dividend ETF	—	-20.66%	Trim
24	IGSB	Ishares 1-5y Inv Grade CORP	-0.1%	-33.22%	Trim
25	SPMO	Invesco S&p 500 Momentum ETF	-0.1%	-33.56%	Trim
26	RSP	Invesco S&p 500 Equal Weight	-0.2%	-26.33%	Trim
27	BND	Vanguard Total Bond Market	-0.2%	-29.38%	Trim
28	VGK	Vanguard Ftse Europe ETF	-0.2%	-40.79%	Trim
29	VMBS	Vanguard Mortgage-backed Sec	-0.2%	-36.09%	Trim
30	VOO	Vanguard S&p 500 ETF	-0.3%	-48.24%	Trim
31	IVV	Ishares Core S&p 500 ETF	-0.3%	-24.19%	Trim
32	IJH	Ishares Core S&p Midcap ETF	-0.5%	-49.99%	Trim
33	QQQ	Invesco Qqq Trust Series 1	-0.5%	-30.81%	Trim
34	PLTR	Palantir Technologies Inc-a	-0.6%	-55.45%	Trim
35	VLU	Ss Spdr S&p 1500 Value Tilt	-0.9%	-38.96%	Trim
36	LONZ	Pimco Senior Loan Active ETF	-1.4%	-35.86%	Trim
37	ICSH	Ishares Ultra Short Duration	—	EXIT	Sold out
38	RBRK	Rubrik Inc-a	—	EXIT	Sold out
39	FNDX	Schwab Fndmntl US Lrg Co ETF	—	NEW	New buy
40	VNQ	Vanguard Real Estate ETF	—	EXIT	Sold out
41	VT	Vanguard Tot World Stk ETF	—	NEW	New buy
42	EQR	Equity Residential	—	EXIT	Sold out
43	SCHF	Schwab Intl Equity ETF	—	NEW	New buy
44	VCIT	Vanguard Int-term Corporate	—	EXIT	Sold out