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Asset Manager ← All Institutions

True Link Financial Advisors, LLC

315 MONTGOMERY ST. 10TH FLOOR, SAN FRANCISCO, CA 94104 • (866) 984-8576

Q4 2025 · Filed 2026-01-29
Market Value
$1.6B
+5.9%
Holdings
120
+25
New Purchases
28
Added To
40
Closed
6
Reduced
26
Top 10 Concentration
85.4%
Turnover
28.3%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
IAGG 2.01% 0.00% +2.01% $33M
QUAL 3.86% 2.03% +1.83% $64M
VIG 3.62% 1.88% +1.73% $60M
DFAS 0.88% 0.00% +0.88% $15M
BIV 24.72% 24.38% +0.34% $407M
DFCF 9.57% 9.39% +0.18% $158M
DFIV 3.48% 3.34% +0.14% $57M
IBTG 0.19% 0.10% +0.09% $3M
BSV 11.44% 11.37% +0.07% $188M
VV 0.04% 0.00% +0.04% $642K
GOOG 0.03% 0.00% +0.03% $517K
AGG 0.03% 0.00% +0.03% $513K
AAPL 0.08% 0.05% +0.03% $1M
FTEC 0.03% 0.00% +0.03% $446K
WMT 0.02% 0.00% +0.02% $406K

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
ITOT 7.01% 9.99% -2.98% $115M
BNDX 0.01% 2.01% -1.99% $238K
SCHD 0.09% 2.07% -1.98% $1M
IVV 12.65% 13.07% -0.42% $208M
IBTF 0.00% 0.10% -0.10% $0
VTIP 4.36% 4.43% -0.07% $72M
DFAE 3.52% 3.56% -0.04% $58M
SHV 2.56% 2.60% -0.04% $42M
DLN 0.21% 0.24% -0.04% $3M
VYMI 0.00% 0.03% -0.03% $0
IVW 0.13% 0.16% -0.03% $2M
IEFA 4.69% 4.72% -0.03% $77M
IVE 0.00% 0.02% -0.02% $0
IWF 0.30% 0.32% -0.02% $5M
IWB 0.00% 0.02% -0.02% $0

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 98.6%
Technology 0.4%
Industrials 0.3%
Healthcare 0.1%
Utilities 0.1%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 34 $228M 13.9%
Large Cap 64 $1.3B 81.1%
Mid Cap 12 $79M 4.8%
Small Cap 8 $2M 0.1%
Micro Cap 2 $987K 0.1%

Portfolio Analytics

Avg Market Cap
$388.3B
Median Market Cap
$68.3B
Avg P/E
41.2
Median P/E
28.9
Avg Dividend Yield
0.01%
Avg Beta
0.86
# Stocks
40
# ETFs / Funds
80

Top Holdings (120 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 BIV 24.72% 5,225,541 $407M $77.88 $28M +373,290 +7.7%
2 IVV 12.65% 303,938 $208M $684.94 $5M +515 +0.2%
3 BSV 11.44% 2,389,566 $188M $78.81 $12M +150,940 +6.7%
4 DFCF 9.57% 3,700,845 $158M $42.56 $12M +287,716 +8.4%
5 ITOT 7.01% 776,394 $115M $148.69 -$40M -289,397 -27.1%
6 IEFA 4.69% 863,260 $77M $89.46 $4M +23,752 +2.8%
7 VTIP 4.36% 1,452,626 $72M $49.46 $3M +92,296 +6.8%
8 QUAL 3.86% 320,084 $64M $198.62 $32M +158,143 +97.7%
9 VIG 3.62% 270,984 $60M $219.78 $30M +135,391 +99.8%
10 DFAE 3.52% 1,778,830 $58M $32.57 $3M +22,580 +1.3%
11 DFIV 3.48% 1,147,531 $57M $49.90 $5M +21,696 +1.9%
12 SHV 2.56% 382,565 $42M $110.15 $2M +17,025 +4.7%
13 IAGG 2.01% 660,056 $33M $50.01 +660,056 NEW
14 DFAS 0.88% 208,580 $15M $69.67 +208,580 NEW
15 IEUR 0.55% 127,792 $9M $70.98 $365K
16 IWF 0.30% 10,579 $5M $473.30 -$20K -154 -1.4%
17 VGIT 0.26% 71,443 $4M $59.93 -$7K
18 EFA 0.23% 39,887 $4M $96.03 $557K +4,827 +13.8%
19 DLN 0.21% 38,623 $3M $88.08 -$395K -5,000 -11.5%
20 SGOV 0.20% 32,549 $3M $100.38 $61K +714 +2.2%
21 IBTG 0.19% 136,340 $3M $22.88 $2M +69,477 +103.9%
22 VCIT 0.17% 33,892 $3M $83.75 $458K +5,585 +19.7%
23 VTV 0.15% 13,256 $3M $190.99 $46K -73 -0.6%
24 VEU 0.15% 33,452 $2M $73.56 $73K
25 LMT 0.15% 4,977 $2M $483.67 -$103K -51 -1.0%
26 IVW 0.13% 17,554 $2M $123.26 -$379K -3,505 -16.6%
27 ICSH 0.13% 40,969 $2M $50.58 -$7K
28 SPIB 0.12% 56,979 $2M $33.81 -$34K -879 -1.5%
29 VLUE 0.10% 12,128 $2M $136.73 $142K
30 SCHO 0.09% 63,929 $2M $24.37 $17K +773 +1.2%
31 MSFT 0.09% 3,134 $2M $483.62 $312K +811 +34.9%
32 SCHD 0.09% 54,261 $1M $27.43 -$31M -1,122,768 -95.4%
33 SUB 0.09% 13,470 $1M $106.70 -$1K
34 BRK-B 0.08% 2,614 $1M $502.65 $56K +111 +4.4%
35 AAPL 0.08% 4,759 $1M $271.88 $521K +1,725 +56.9%
36 SCHR 0.07% 48,049 $1M $25.08 $83K +3,388 +7.6%
37 IWP 0.07% 8,094 $1M $136.94 -$44K
38 NVDA 0.07% 5,897 $1M $186.49 $379K +2,035 +52.7%
39 DON 0.06% 20,286 $1M $51.60 -$14K
40 AMZN 0.06% 4,344 $1M $230.82 $298K +1,134 +35.3%
41 SPY 0.06% 1,333 $909K $681.92 $167K +219 +19.7%
42 FLEX 0.05% 12,758 $771K $60.42 $31K
43 BLV 0.05% 11,000 $765K $69.52 -$15K
44 JPM 0.05% 2,318 $747K $322.22 $293K +878 +61.0%
45 GOOGL 0.05% 2,371 $742K $313.00 $336K +702 +42.1%
46 GE 0.04% 2,401 $740K $308.03 $17K
47 IJH 0.04% 10,572 $698K $66.00 $216K +3,190 +43.2%
48 CMF 0.04% 11,810 $679K $57.46 $5K
49 VWO 0.04% 12,558 $675K $53.76 $17K +404 +3.3%
50 DFCA 0.04% 13,310 $667K $50.08 $3K
51 VV 0.04% 2,038 $642K $314.80 +2,038 NEW
52 BND 0.04% 8,544 $633K $74.07 $197K +2,681 +45.7%
53 DIM 0.04% 7,845 $632K $80.56 $26K
54 IBM 0.03% 1,841 $545K $296.21 $23K -10 -0.5%
55 GOOG 0.03% 1,649 $517K $313.80 +1,649 NEW
56 AGG 0.03% 5,141 $513K $99.88 +5,141 NEW
57 AVGO 0.03% 1,400 $485K $346.10 $276K +769 +121.9%
58 VOO 0.03% 738 $463K $627.13 $65K +88 +13.5%
59 VTI 0.03% 1,342 $450K $335.27 -$181K -581 -30.2%
60 FTEC 0.03% 1,987 $446K $224.67 +1,987 NEW
61 IJR 0.03% 3,701 $445K $120.18 $23K +152 +4.3%
62 IEMG 0.03% 6,389 $429K $67.22 $36K +424 +7.1%
63 OKTA 0.02% 4,724 $408K $86.47 -$82K -626 -11.7%
64 WMT 0.02% 3,645 $406K $111.40 +3,645 NEW
65 GEV 0.02% 616 $403K $653.57 $24K +1 +0.2%
66 VGT 0.02% 530 $400K $753.78 +530 NEW
67 MS 0.02% 2,234 $397K $177.53 $29K -78 -3.4%
68 IBDT 0.02% 15,578 $397K $25.46 +15,578 NEW
69 GSIE 0.02% 8,716 $374K $42.94 +8,716 NEW
70 QQQ 0.02% 602 $370K $614.08 +602 NEW
71 META 0.02% 540 $356K $660.09 +540 NEW
72 NUDV 0.02% 11,906 $355K $29.81 -$41K -1,700 -12.5%
73 XLC 0.02% 2,978 $351K $117.72 +2,978 NEW
74 ESGD 0.02% 3,656 $348K $95.09 -$933 -93 -2.5%
75 XOM 0.02% 2,855 $344K $120.34 $88K +591 +26.1%
76 LLY 0.02% 312 $335K $1,074.68 +312 NEW
77 SUSC 0.02% 14,314 $335K $23.38 $123K +5,342 +59.5%
78 A 0.02% 2,440 $332K $136.07 $19K
79 VEA 0.02% 5,196 $325K $62.47 -$20K -552 -9.6%
80 ALL 0.02% 1,540 $321K $208.15 -$42K -150 -8.9%
81 IWM 0.02% 1,267 $312K $246.16 +1,267 NEW
82 HPE 0.02% 12,800 $307K $24.02 -$7K
83 PEP 0.02% 2,117 $304K $143.52 $7K
84 ESGV 0.02% 2,504 $303K $120.96 $6K
85 KEYS 0.02% 1,459 $296K $203.19 $83K +239 +19.6%
86 RTX 0.02% 1,613 $296K $183.40 $72K +277 +20.7%
87 GSSC 0.02% 3,866 $292K $75.63 +3,866 NEW
88 HPQ 0.02% 12,800 $285K $22.28 -$63K
89 V 0.02% 810 $284K $350.71 +810 NEW
90 EFIV 0.02% 4,204 $278K $66.15 +4,204 NEW
91 CAH 0.02% 1,350 $277K $205.50 $42K -150 -10.0%
92 VO 0.02% 955 $277K $290.22 +955 NEW
93 CWI 0.02% 7,658 $275K $35.92 +7,658 NEW
94 COF 0.02% 1,060 $257K $242.36 $19K -57 -5.1%
95 IWD 0.02% 1,195 $251K $210.34 $25K +85 +7.7%
96 ABBV 0.01% 1,065 $243K $228.49 $28K +134 +14.4%
97 VHT 0.01% 839 $242K $287.85 +839 NEW
98 UNP 0.01% 1,030 $238K $231.32 -$30K -106 -9.3%
99 BNDX 0.01% 4,924 $238K $48.32 -$31M -626,196 -99.2%
100 PG 0.01% 1,646 $236K $143.31 $4K +139 +9.2%

New Positions

SymbolValue% Port
IAGG $33M 2.01%
DFAS $15M 0.88%
VV $642K 0.04%
GOOG $517K 0.03%
AGG $513K 0.03%
FTEC $446K 0.03%
WMT $406K 0.02%
VGT $400K 0.02%
IBDT $397K 0.02%
GSIE $374K 0.02%
QQQ $370K 0.02%
META $356K 0.02%
XLC $351K 0.02%
LLY $335K 0.02%
IWM $312K 0.02%

Sold Out Positions

SymbolValue% Port
CIEN —%
VGSH —%
IVE —%
IWB —%
VYMI —%
IBTF —%
View SEC EDGAR Filings for True Link Financial Advisors, LLC →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms