13F HOLDINGS REPORT

FLC Capital Advisors

Quarter ended Q3 2025 · Filed October 17, 2025 · Accession 0001713697-25-000005

Total Value

$516.3M

Positions

211

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (211)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SCHWAB STRATEGIC TR	808524862	1,525,261	$37.2M	7.21%
2	SCHWAB STRATEGIC TR	808524854	1,462,838	$36.8M	7.12%
3	SCHWAB STRATEGIC TR	808524300	1,072,853	$34.2M	6.63%
4	VANGUARD INDEX FDS	922908744	181,229	$33.8M	6.55%
5	APPLE INC	AAPL	80,316	$20.5M	3.96%
6	SCHWAB STRATEGIC TR	808524805	792,499	$18.4M	3.57%
7	SPDR SERIES TRUST	78464A664	585,854	$15.8M	3.06%
8	VANGUARD SCOTTSDALE FDS	92206C870	146,923	$12.4M	2.39%
9	VANGUARD SCOTTSDALE FDS	92206C771	259,347	$12.2M	2.36%
10	ISHARES TR	464287614	24,126	$11.3M	2.19%
11	ISHARES INC	46434G764	161,076	$10.9M	2.11%
12	MICROSOFT CORP	MSFT	20,191	$10.5M	2.03%
13	VANGUARD INDEX FDS	922908629	32,415	$9.5M	1.84%
14	SPDR SERIES TRUST	78464A516	410,633	$9.4M	1.83%
15	DIMENSIONAL ETF TRUST	25434V500	137,725	$9.4M	1.83%
16	INTERNATIONAL BUSINESS MACHS	INTR	27,937	$7.9M	1.53%
17	SPDR SERIES TRUST	78464A631	33,521	$7.9M	1.53%
18	CHEVRON CORP NEW	CVX	46,854	$7.3M	1.41%
19	MERCK & CO INC	MRK	86,607	$7.3M	1.41%
20	ALPHABET INC	GOOG	28,456	$6.9M	1.34%
21	NVIDIA CORPORATION	NVDA	34,048	$6.4M	1.23%
22	AMAZON COM INC	AMZN	28,853	$6.3M	1.23%
23	ISHARES TR	464287200	9,387	$6.3M	1.22%
24	META PLATFORMS INC	META	8,129	$6.0M	1.16%
25	ALPHABET INC	GOOG	22,729	$5.5M	1.07%
26	JPMORGAN CHASE & CO.	VYLD	15,921	$5.0M	0.97%
27	ENBRIDGE INC	ENNPF	94,851	$4.8M	0.93%
28	SCHWAB STRATEGIC TR	808524797	173,024	$4.7M	0.91%
29	EXXON MOBIL CORP	XOM	41,444	$4.7M	0.91%
30	VANGUARD SPECIALIZED FUNDS	921908844	18,783	$4.1M	0.79%
31	SELECT SECTOR SPDR TR	81369Y860	95,378	$4.0M	0.78%
32	VANGUARD BD INDEX FDS	921937827	47,452	$3.7M	0.73%
33	VANGUARD INSTL INDEX FD	922040845	49,314	$3.7M	0.72%
34	WALMART INC	WMT	34,899	$3.6M	0.70%
35	ISHARES TR	46435G425	24,271	$3.5M	0.68%
36	BERKSHIRE HATHAWAY INC DEL	BRK-A	7,013	$3.5M	0.68%
37	ENTERPRISE PRODS PARTNERS L	293792107	111,265	$3.5M	0.67%
38	CATERPILLAR INC	CAT	6,105	$2.9M	0.56%
39	ISHARES TR	464287507	41,620	$2.7M	0.53%
40	JOHNSON & JOHNSON	JNJ	13,530	$2.5M	0.49%
41	PHILIP MORRIS INTL INC	718172109	14,513	$2.4M	0.46%
42	VANGUARD INDEX FDS	922908769	7,149	$2.3M	0.45%
43	BANK AMERICA CORP	060505104	45,343	$2.3M	0.45%
44	ABRDN PRECIOUS METALS BASKET	GLTR	13,169	$2.2M	0.42%
45	TAIWAN SEMICONDUCTOR MFG LTD	874039100	7,611	$2.1M	0.41%
46	VANGUARD CALIF TAX FREE FDS	922021605	20,247	$2.0M	0.39%
47	ISHARES TR	464288158	18,440	$2.0M	0.38%
48	NETFLIX INC	NFLX	1,548	$1.9M	0.36%
49	PFIZER INC	PFE	71,747	$1.8M	0.35%
50	NEXTERA ENERGY INC	NEE-PW	23,803	$1.8M	0.35%
51	UNITED PARCEL SERVICE INC	UPS	19,976	$1.7M	0.32%
52	PALO ALTO NETWORKS INC	PANW	8,175	$1.7M	0.32%
53	ISHARES TR	464288760	7,862	$1.6M	0.32%
54	QUALCOMM INC	QCOM	9,419	$1.6M	0.30%
55	COSTCO WHSL CORP NEW	22160K105	1,657	$1.5M	0.30%
56	SALESFORCE INC	CRM	6,009	$1.4M	0.28%
57	TESLA INC	TSLA	3,104	$1.4M	0.27%
58	ABBVIE INC	ABBV	5,618	$1.3M	0.25%
59	CISCO SYS INC	CSCO	18,911	$1.3M	0.25%
60	ISHARES TR	464287804	10,887	$1.3M	0.25%
61	VANGUARD INDEX FDS	922908363	2,070	$1.3M	0.25%
62	SCHWAB CHARLES CORP	SCHW-PJ	13,116	$1.3M	0.24%
63	RTX CORPORATION	RTX	7,432	$1.2M	0.24%
64	CUMMINS INC	CMI	2,920	$1.2M	0.24%
65	UBER TECHNOLOGIES INC	UBER	12,174	$1.2M	0.23%
66	BROADCOM INC	AVGO	3,288	$1.1M	0.21%
67	ARES CAPITAL CORP	ARCC	52,948	$1.1M	0.21%
68	KRAFT HEINZ CO	KHC	38,644	$1.0M	0.19%
69	VANGUARD WHITEHALL FDS	921946794	11,805	$999,647	0.19%
70	VISA INC	V	2,903	$991,026	0.19%
71	3M CO	MMM	6,150	$954,373	0.18%
72	ISHARES TR	46432F339	4,827	$938,852	0.18%
73	ALTRIA GROUP INC	MO	14,052	$928,275	0.18%
74	BARRICK MNG CORP	06849F108	27,544	$902,617	0.17%
75	VERIZON COMMUNICATIONS INC	VZ	20,289	$891,702	0.17%
76	MASTERCARD INCORPORATED	MA	1,563	$889,050	0.17%
77	VANGUARD TAX-MANAGED FDS	921943858	14,702	$880,944	0.17%
78	DISNEY WALT CO	254687106	7,686	$880,047	0.17%
79	STARBUCKS CORP	SBUX	10,351	$875,704	0.17%
80	ELI LILLY & CO	LLY	1,141	$870,583	0.17%
81	FORTINET INC	FTNT	10,305	$866,444	0.17%
82	FIRST FNDTN INC	32026V104	148,171	$825,312	0.16%
83	KLA CORP	KLAC	747	$805,714	0.16%
84	NUVEEN AMT FREE QLTY MUN INC	NU	70,446	$802,380	0.16%
85	SELECT SECTOR SPDR TR	81369Y803	2,798	$788,644	0.15%
86	ADOBE INC	ADBE	2,220	$783,105	0.15%
87	VANGUARD INDEX FDS	922908736	1,610	$772,172	0.15%
88	AT&T INC	T-PC	27,121	$765,897	0.15%
89	BERKSHIRE HATHAWAY INC DEL	BRK-A	1	$754,200	0.15%
90	VANGUARD WHITEHALL FDS	921946406	5,167	$728,289	0.14%
91	TRUIST FINL CORP	89832Q109	15,850	$724,662	0.14%
92	VANGUARD MUN BD FDS	922907746	14,250	$713,498	0.14%
93	CONSTELLATION BRANDS INC	STZ	5,295	$713,078	0.14%
94	UNILEVER PLC	UNLYF	11,873	$703,831	0.14%
95	ISHARES SILVER TR	SLV	16,500	$699,105	0.14%
96	TARGET CORP	TGT	7,694	$690,152	0.13%
97	PROCTER AND GAMBLE CO	742718109	4,390	$674,524	0.13%
98	HOME DEPOT INC	HD	1,661	$673,021	0.13%
99	VALLEY NATL BANCORP	919794107	62,003	$657,232	0.13%
100	CHUBB LIMITED	CB	2,312	$652,562	0.13%
101	REALTY INCOME CORP	O	10,586	$643,523	0.12%
102	ABBOTT LABS	ABLZF	4,770	$638,894	0.12%
103	ISHARES TR	464287465	6,786	$633,609	0.12%
104	SPDR SERIES TRUST	78468R788	14,232	$626,208	0.12%
105	WISDOMTREE TR	WT	4,878	$624,530	0.12%
106	SELECT SECTOR SPDR TR	81369Y209	4,414	$614,296	0.12%
107	VANGUARD WORLD FD	921910873	2,479	$605,099	0.12%
108	KINDER MORGAN INC DEL	EP-PC	21,005	$594,652	0.12%
109	EQUINIX INC	EQIX	758	$593,696	0.11%
110	AMGEN INC	AMGN	2,086	$588,669	0.11%
111	ALIBABA GROUP HLDG LTD	BBAAY	3,226	$576,583	0.11%
112	VANECK ETF TRUST	92189H409	11,320	$576,188	0.11%
113	FEDEX CORP	FDX	2,399	$565,708	0.11%
114	VANGUARD WHITEHALL FDS	921946885	8,226	$550,292	0.11%
115	CITIGROUP INC	C-PR	5,226	$530,420	0.10%
116	GENERAL DYNAMICS CORP	GD	1,546	$527,186	0.10%
117	COMCAST CORP NEW	CCZ	16,292	$511,895	0.10%
118	WP CAREY INC	92936U109	7,362	$497,450	0.10%
119	WELLS FARGO CO NEW	949746101	5,890	$493,700	0.10%
120	SPDR SERIES TRUST	78464A854	6,151	$481,869	0.09%
121	LOCKHEED MARTIN CORP	LMT	949	$473,573	0.09%
122	MCDONALDS CORP	MCD	1,534	$466,089	0.09%
123	FIDELITY COVINGTON TRUST	316092865	8,179	$461,868	0.09%
124	PEPSICO INC	PEP	3,278	$460,362	0.09%
125	INVESCO QQQ TR	IVZ	759	$455,445	0.09%
126	GLOBAL X FDS	37954Y657	23,403	$454,720	0.09%
127	DUKE ENERGY CORP NEW	DUKB	3,575	$442,406	0.09%
128	SERVICENOW INC	NOW	477	$438,974	0.09%
129	INTEL CORP	INTC	12,927	$433,701	0.08%
130	ISHARES TR	46432F388	3,426	$428,421	0.08%
131	NOVARTIS AG	NVSEF	3,286	$421,397	0.08%
132	EDISON INTL	281020107	7,376	$407,745	0.08%
133	GENERAL MLS INC	370334104	8,070	$406,889	0.08%
134	BLACKSTONE SECD LENDING FD	BX	15,181	$395,769	0.08%
135	SCHWAB STRATEGIC TR	808524409	13,537	$394,062	0.08%
136	GSK PLC	GLAXF	9,011	$388,915	0.08%
137	FREEPORT-MCMORAN INC	FCX	9,649	$378,434	0.07%
138	SHELL PLC	RYDAF	5,175	$370,168	0.07%
139	GE AEROSPACE	369604301	1,225	$368,505	0.07%
140	UNION PAC CORP	UNP	1,555	$367,555	0.07%
141	LOWES COS INC	548661107	1,462	$367,415	0.07%
142	SELECT SECTOR SPDR TR	81369Y506	4,094	$365,758	0.07%
143	EMCOR GROUP INC	EME	560	$363,742	0.07%
144	MEDTRONIC PLC	MDT	3,711	$353,436	0.07%
145	BLACKROCK INC	BLK	303	$353,259	0.07%
146	ALLSTATE CORP	ALL-PJ	1,626	$349,021	0.07%
147	ENERGY TRANSFER L P	ET-PI	20,293	$348,228	0.07%
148	SOUTHERN CO	SOMN	3,548	$336,244	0.07%
149	DYCOM INDS INC	267475101	1,137	$331,731	0.06%
150	SPDR SERIES TRUST	78468R606	13,798	$330,324	0.06%
151	CENCORA INC	COR	1,049	$327,844	0.06%
152	ISHARES TR	464287655	1,335	$323,017	0.06%
153	FS KKR CAP CORP	FSK	21,560	$321,891	0.06%
154	INVESCO EXCHANGE TRADED FD T	IVZ	2,800	$321,104	0.06%
155	TEXAS INSTRS INC	882508104	1,743	$320,241	0.06%
156	AMERICAN EXPRESS CO	AXP	956	$317,545	0.06%
157	COCA COLA CO	KO	4,754	$315,257	0.06%
158	DIMENSIONAL ETF TRUST	25434V799	9,547	$313,046	0.06%
159	ISHARES TR	464287101	936	$311,538	0.06%
160	SYSCO CORP	SYY	3,754	$309,104	0.06%
161	ISHARES TR	464288885	2,671	$304,173	0.06%
162	GILEAD SCIENCES INC	GILD	2,699	$299,589	0.06%
163	SELECT SECTOR SPDR TR	81369Y886	3,401	$296,601	0.06%
164	NEWMONT CORP	NEMCL	3,513	$296,181	0.06%
165	SCHWAB STRATEGIC TR	808524839	12,505	$293,492	0.06%
166	SPDR S&P 500 ETF TR	SPY	429	$285,791	0.06%
167	PUBLIC SVC ENTERPRISE GRP IN	744573106	3,400	$283,764	0.05%
168	SAP SE	SAPGF	1,059	$282,975	0.05%
169	VISTRA CORP	VST	1,439	$281,929	0.05%
170	SANOFI SA	SNYNF	5,751	$271,447	0.05%
171	MCKESSON CORP	MCK	351	$271,162	0.05%
172	KIMBERLY-CLARK CORP	KMB	2,179	$270,937	0.05%
173	PAYCHEX INC	PAYX	2,089	$264,802	0.05%
174	ISHARES TR	464288414	2,481	$264,202	0.05%
175	NORFOLK SOUTHN CORP	655844108	876	$263,159	0.05%
176	LAM RESEARCH CORP	LRCX	1,902	$254,678	0.05%
177	MORGAN STANLEY	MS-PQ	1,595	$253,541	0.05%
178	VANGUARD WORLD FD	92204A306	2,000	$251,720	0.05%
179	NIKE INC	NKE	3,581	$249,703	0.05%
180	FIDELITY COVINGTON TRUST	316092303	5,003	$249,350	0.05%
181	ISHARES TR	46432F842	2,728	$238,182	0.05%
182	UBS GROUP AG	UBS	5,693	$233,413	0.05%
183	BOEING CO	BA-PA	1,069	$230,722	0.04%
184	TAKE-TWO INTERACTIVE SOFTWAR	TTWO	893	$230,715	0.04%
185	BRITISH AMERN TOB PLC	110448107	4,320	$229,310	0.04%
186	JOHNSON CTLS INTL PLC	G51502105	2,085	$229,246	0.04%
187	ISHARES TR	464287291	2,208	$227,888	0.04%
188	NUVEEN CALIFORNIA AMT QLT MU	NU	17,850	$226,160	0.04%
189	VANGUARD INDEX FDS	922908751	885	$225,038	0.04%
190	WASTE MGMT INC DEL	94106L109	1,010	$223,038	0.04%
191	GOLDMAN SACHS GROUP INC	GSCE	277	$220,589	0.04%
192	ISHARES TR	464288257	1,586	$219,249	0.04%
193	EMBRAER S.A.	EMBJ	3,611	$218,285	0.04%
194	AMERICAN ELEC PWR CO INC	025537101	1,932	$217,350	0.04%
195	WELLTOWER INC	WELL	1,215	$216,440	0.04%
196	BLACKROCK ETF TRUST II	BLK	4,265	$216,108	0.04%
197	BOOT BARN HLDGS INC	BOOT	1,304	$216,099	0.04%
198	ORACLE CORP	ORCL-PD	767	$215,711	0.04%
199	PAYPAL HLDGS INC	PYPL	3,197	$214,391	0.04%
200	DIGITAL RLTY TR INC	253868103	1,238	$214,025	0.04%
201	HOULIHAN LOKEY INC	HLI	1,031	$211,685	0.04%
202	RB GLOBAL INC	RBA	1,934	$209,568	0.04%
203	ISHARES TR	464288778	3,876	$203,606	0.04%
204	ISHARES TR	464288877	2,984	$202,405	0.04%
205	CONSOLIDATED EDISON INC	ED	2,000	$201,040	0.04%
206	ISHARES TR	464288810	3,342	$200,787	0.04%
207	PIMCO DYNAMIC INCOME FD	72201Y101	10,131	$200,594	0.04%
208	JOBY AVIATION INC	JOBY-WT	10,405	$167,937	0.03%
209	TAKEDA PHARMACEUTICAL CO LTD	TKPHF	11,372	$166,486	0.03%
210	NGL ENERGY PARTNERS LP	NGL-PC	22,800	$136,800	0.03%
211	AMBEV SA	ABEV	60,465	$134,837	0.03%