CIK: 0001730813
Total reported value
$321.0M
Reporting period: 2026-03-31 · Number of holdings: 52
FINANCIAL LIFE ADVISORS disclosed 52 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $321.0M and a quarterly turnover rate of 7.2%.
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Financial Life Advisors's disclosed holdings carry a Herfindahl concentration index of 0.064 — mathematically equivalent to about 16 equally-sized positions, well below its 52 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 1.54), 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 3.7 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.
Trim IVW
+1.5% -$3.0M
Trim SPHY
-20.6% -$2.3M
Add SPMB
+9.3% $2.0M
Trim IYW
-11.0% -$2.1M
Trim OEF
-14.2% -$1.9M
Add VWO
+9.2% $1.1M
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | IVW | Ishares S&p 500 Growth ETF | ETF-Large Cap & Growth | 12.72% | -0.80% | +1.51% | |
| 2 | IVE | Ishares S&p 500 Value ETF | ETF-Large Cap & Growth | 10.98% | — | +0.46% | |
| 3 | SCHZ | Schwab US Aggregate Bond ETF | ETF-Other | 10.85% | +0.20% | +1.54% | |
| 4 | SPMB | Ss Spdr P Mort Back Bond ETF | ETF-Other | 7.26% | +0.67% | +9.26% | |
| 5 | DYNF | Ishrs US E F R A Etf-usd INC | ETF-Other | 5.99% | +0.09% | +5.02% | |
| 6 | EFV | Ishares Msci Eafe Value ETF | ETF-Other | 5.44% | +0.21% | -1.24% | |
| 7 | VGLT | Vanguard Long-term Treasury | ETF-Gov Bonds | 5.05% | +0.25% | +4.91% | |
| 8 | VWO | Vanguard Ftse Emerging Marke | ETF-Emerging Markets | 3.76% | +0.37% | +9.25% | |
| 9 | VUG | Vanguard Growth ETF | ETF-Other | 3.72% | -0.12% | +7.00% | |
| 10 | IUSB | Ishr Cr Unvrse Usd Bd Etf-ui | ETF-Other | 3.70% | +0.36% | +10.56% | |
| 11 | QUAL | Ishares Msci USA Quality Fac | ETF-Other | 2.95% | -0.02% | +1.96% | |
| 12 | EFG | Ishares Msci Eafe Growth ETF | ETF-Other | 2.85% | +0.02% | +2.05% | |
| 13 | IYW | Ishares Ustechnology ETF | ETF-Tech | 2.75% | -0.61% | -10.99% | |
| 14 | SPHY | Ss Spdr P High Yield ETF | ETF-High Yield | 2.63% | -0.69% | -20.61% | |
| 15 | OEF | Ishares S&p 100 ETF | ETF-Other | 2.29% | -0.56% | -14.18% | |
| 16 | VTV | Vanguard Value ETF | ETF-Other | 2.05% | +0.09% | +0.74% | |
| 17 | GLDM | Spdr Gold Minishares Trust | ETF-Commodities | 1.90% | -0.12% | -14.08% | |
| 18 | MUB | Ishares National Muni Bond E | ETF-Other | 1.54% | +0.04% | +2.92% | |
| 19 | ITA | Ishares U.s. Aerospace & Def | ETF-Other | 1.35% | +0.12% | +6.34% | |
| 20 | VTEB | Vanguard Tax-exempt Bond ETF | ETF-Other | 1.27% | +0.03% | +2.84% | |
| 21 | BINC | Ishares Flex I A Etf-usd INC | ETF-Other | 1.20% | -0.02% | -1.09% | |
| 22 | VTIP | Vanguard Short-term Tips | ETF-Other | 0.96% | +0.03% | +0.66% | |
| 23 | TLH | Ishares 10-20 Year Treasury | ETF-Gov Bonds | 0.80% | +0.02% | +2.63% | |
| 24 | XCEM | Columbia Em Core Ex-china | ETF-Emerging Markets | 0.56% | -0.06% | -15.14% | |
| 25 | BAI | Ishrs Ai In And Tech Act ETF | ETF-Tech | 0.44% | +0.44% | NEW | |
| 26 | BLCR | Ishares Lrg Cp Cr Act Etf-ui | ETF-Other | 0.43% | +0.43% | NEW | |
| 27 | SPLV | Invesco S&p 500 Low Volatili | ETF-Large Cap & Growth | 0.42% | +0.03% | +4.67% | |
| 28 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 0.40% | -0.03% | -8.57% | |
| 29 | EMXC | Ishares Msci Emr Mrk Ex Chna | ETF-Other | 0.33% | -0.05% | -20.34% | |
| 30 | SCHG | Schwab US Large-cap Growth | ETF-Other | 0.31% | -0.03% | — | |
| 31 | EHC | Encompass Health CORP | Stock-Healthcare | 0.26% | -0.03% | — | |
| 32 | TFI | Ss Spdr N Ice Muni Bond ETF | ETF-Other | 0.25% | — | — | |
| 33 | AMZN | Amazon.com INC | Stock-Consumer Disc | 0.23% | -0.04% | -4.84% | |
| 34 | VGT | Vanguard Info Tech ETF | ETF-Tech | 0.19% | -0.02% | -0.78% | |
| 35 | HYD | Vaneck High Yield Muni ETF | ETF-High Yield | 0.17% | -0.08% | -30.20% | |
| 36 | IGSB | Ishares 1-5y Inv Grade CORP | ETF-Other | 0.16% | -0.06% | -26.24% | |
| 37 | USMV | Ishares Msci USA Min Vol Fac | ETF-Other | 0.16% | — | -0.53% | |
| 38 | SPY | Ss Spdr S&p 500 ETF Trust-us | ETF-Large Cap & Growth | 0.16% | -0.01% | -3.39% | |
| 39 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.15% | -0.01% | -2.58% | |
| 40 | AAPL | Apple INC | Stock-Tech | 0.14% | -0.02% | -8.68% | |
| 41 | IEMG | Ishares Core Msci Emerging | ETF-Emerging Markets | 0.14% | +0.05% | +50.67% | |
| 42 | PZA | Invesco National Amt-free Mu | ETF-Other | 0.12% | +0.12% | NEW | |
| 43 | SCHX | Schwab US Large-cap ETF | ETF-Other | 0.12% | — | — | |
| 44 | MTUM | Ishares Msci USA Momentum Fa | ETF-Other | 0.12% | -0.01% | -4.72% | |
| 45 | XOM | Exxon Mobil CORP | Stock-Energy | 0.12% | +0.04% | -2.26% | |
| 46 | HEFA | Isha Curr Hedged Msci Eafe | ETF-Other | 0.11% | -0.07% | -37.69% | |
| 47 | NULG | Nuveen Esg Lrg-cap Grw ETF | ETF-Other | 0.09% | -0.01% | — | |
| 48 | EFA | Ishares Msci Eafe ETF | ETF-Other | 0.08% | -0.01% | -6.51% | |
| 49 | GOOG | Alphabet Inc-cl C | Stock-Comm Services | 0.08% | -0.01% | — | |
| 50 | VONV | Vanguard Russell 1000 Value | ETF-Other | 0.07% | — | — |
Performance for Q3 2026
+2.3%
Performance Last 4 Quarters
+14.1%
Based on 75% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2026-03-31 | 52 | $321.0M | 7 | |
| 2025-12-31 | 53 | $324.3M | 11 | |
| 2025-09-30 | 47 | $311.3M | 22 | |
| 2025-06-30 | 48 | $292.3M | 0 | |
| 2025-03-31 | 51 | $268.3M | 100 | |
| 2024-12-31 | 46 | $266.2M | 0 | |
| 2024-09-30 | 48 | $264.7M | 0 | |
| 2024-06-30 | 57 | $246.4M | 0 | |
| 2024-03-31 | 60 | $239.0M | 0 | |
| 2023-12-31 | 58 | $232.4M | 0 | |
| 2023-09-30 | 55 | $232.4M | 0 | |
| 2023-06-30 | 60 | $239.6M | 0 | |
| 2023-03-31 | 69 | $232.6M | 0 | |
| 2022-12-31 | 70 | $216.8M | 0 | |
| 2022-09-30 | 69 | $199.6M | 0 | |
| 2022-06-30 | 51 | $213.5M | 0 | |
| 2022-03-31 | 54 | $241.2M | 0 | |
| 2021-12-31 | 54 | $254.0M | 0 | |
| 2021-09-30 | 54 | $239.0M | 0 | |
| 2021-06-30 | 56 | $232.2M | 96 | |
| 2021-03-31 | 52 | $214.8M | 13 | |
| 2020-12-31 | 50 | $193.2M | 17 | |
| 2020-09-30 | 48 | $191.0M | 18 | |
| 2020-06-30 | 23 | $169.2M | 15 | |
| 2020-03-31 | 23 | $145.9M | 22 | |
| 2019-12-31 | 45 | $164.8M | 6 | |
| 2019-09-30 | 46 | $157.9M | 7 | |
| 2019-06-30 | 47 | $150.9M | 6 | |
| 2019-03-31 | 47 | $145.3M | 22 | |
| 2018-12-31 | 48 | $129.2M | 12 | |
| 2018-09-30 | 46 | $136.4M | 13 | |
| 2018-06-30 | 44 | $121.8M | 20 | |
| 2018-03-31 | 48 | $109.2M | 19 | |
| 2017-12-31 | 50 | $123.7M | 0 |
Financial Life Advisors's most significant position changes for 2026-03-31: New buy: Ishrs Ai In And Tech Act ETF (BAI); New buy: Ishares Lrg Cp Cr Act Etf-ui (BLCR); New buy: Invesco National Amt-free Mu (PZA); Sold out: Ishares Core Msci Eafe ETF (IEFA); Sold out: Microsoft CORP (MSFT).
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-29 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-01-30 | 13F-HR | View on EDGAR |
| 2025-09-30 | 2025-11-03 | 13F-HR | View on EDGAR |
| 2025-06-30 | 2025-07-23 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-04-24 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-01-28 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-10-21 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-08-09 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-04-18 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-03-19 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-11-01 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-07-18 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-04-26 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-02-07 | 13F-HR | View on EDGAR |
| 2022-09-30 | 2022-10-28 | 13F-HR | View on EDGAR |
| 2022-06-30 | 2022-07-22 | 13F-HR | View on EDGAR |
| 2022-03-31 | 2022-04-20 | 13F-HR | View on EDGAR |
| 2021-12-31 | 2022-01-31 | 13F-HR | View on EDGAR |
| 2021-09-30 | 2021-10-29 | 13F-HR | View on EDGAR |
| 2021-06-30 | 2021-08-09 | 13F-HR | View on EDGAR |
| 2021-03-31 | 2021-05-12 | 13F-HR | View on EDGAR |
| 2020-12-31 | 2021-02-09 | 13F-HR | View on EDGAR |
| 2020-09-30 | 2020-10-29 | 13F-HR | View on EDGAR |
| 2020-06-30 | 2020-07-09 | 13F-HR | View on EDGAR |
| 2020-03-31 | 2020-05-27 | 13F-HR | View on EDGAR |
| 2019-12-31 | 2020-01-27 | 13F-HR | View on EDGAR |
| 2019-09-30 | 2019-11-05 | 13F-HR | View on EDGAR |
| 2019-06-30 | 2019-07-29 | 13F-HR | View on EDGAR |
| 2019-03-31 | 2019-05-13 | 13F-HR | View on EDGAR |
| 2018-12-31 | 2019-02-05 | 13F-HR | View on EDGAR |
| 2018-09-30 | 2018-10-12 | 13F-HR | View on EDGAR |
| 2018-06-30 | 2018-08-14 | 13F-HR | View on EDGAR |
| 2018-03-31 | 2018-05-09 | 13F-HR | View on EDGAR |
| 2017-12-31 | 2018-02-20 | 13F-HR | View on EDGAR |
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