13F HOLDINGS REPORT

White Lighthouse Investment Management Inc.

Quarter ended Q3 2025 · Filed November 13, 2025 · Accession 0001727593-25-000002

Total Value

$656.0M

Positions

139

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (139)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INDEX FDS	922908736	238,156	$114.2M	17.41%
2	VANGUARD WHITEHALL FDS	921946406	462,928	$65.2M	9.95%
3	VANGUARD STAR FDS	921909768	578,112	$42.5M	6.47%
4	ISHARES TR	464288679	323,537	$35.7M	5.45%
5	VANGUARD SCOTTSDALE FDS	92206C409	352,944	$28.2M	4.30%
6	VANGUARD WORLD FD	92204A702	33,456	$25.0M	3.81%
7	VANGUARD BD INDEX FDS	921937835	316,780	$23.6M	3.59%
8	VANGUARD INDEX FDS	922908744	125,770	$23.5M	3.58%
9	VANGUARD SCOTTSDALE FDS	92206C870	197,842	$16.6M	2.54%
10	ISHARES GOLD TR	IAU	215,646	$15.7M	2.39%
11	ISHARES TR	46432F834	188,686	$15.6M	2.38%
12	ISHARES TR	464287549	102,735	$12.9M	1.97%
13	VANGUARD SPECIALIZED FUNDS	921908844	51,029	$11.0M	1.68%
14	VANGUARD INDEX FDS	922908363	17,683	$10.8M	1.65%
15	ISHARES TR	464287614	23,055	$10.8M	1.65%
16	ISHARES TR	464287168	67,787	$9.6M	1.47%
17	VANGUARD BD INDEX FDS	921937827	114,346	$9.0M	1.38%
18	VANGUARD INDEX FDS	922908611	34,948	$7.3M	1.11%
19	VANGUARD WORLD FD	92204A504	26,017	$6.8M	1.03%
20	VANGUARD MALVERN FDS	922020805	125,128	$6.3M	0.97%
21	APPLE INC	AAPL	23,795	$6.1M	0.92%
22	VANGUARD INDEX FDS	922908751	23,761	$6.0M	0.92%
23	VANGUARD INDEX FDS	922908553	61,244	$5.6M	0.85%
24	VANGUARD SCOTTSDALE FDS	92206C813	69,580	$5.4M	0.82%
25	INVESCO QQQ TR	IVZ	8,983	$5.4M	0.82%
26	VANGUARD WORLD FD	921910725	76,716	$5.3M	0.81%
27	VANGUARD WORLD FD	921910733	41,922	$5.0M	0.76%
28	VANGUARD INDEX FDS	922908629	16,863	$5.0M	0.76%
29	VANGUARD INDEX FDS	922908769	13,374	$4.4M	0.67%
30	VANGUARD SCOTTSDALE FDS	92206C102	69,458	$4.1M	0.62%
31	ISHARES TR	46434V613	83,926	$3.9M	0.60%
32	VANGUARD BD INDEX FDS	921937819	48,448	$3.8M	0.58%
33	MICROSOFT CORP	MSFT	7,048	$3.7M	0.56%
34	VANGUARD WORLD FD	92204A876	18,732	$3.5M	0.54%
35	VANGUARD INDEX FDS	922908538	11,992	$3.5M	0.54%
36	SCHWAB STRATEGIC TR	808524797	123,185	$3.4M	0.51%
37	VANGUARD INDEX FDS	922908512	18,584	$3.2M	0.49%
38	SPDR S&P 500 ETF TR	SPY	3,987	$2.7M	0.40%
39	ISHARES TR	464288414	23,895	$2.5M	0.39%
40	AMAZON COM INC	AMZN	11,572	$2.5M	0.39%
41	ISHARES TR	46435G425	17,328	$2.5M	0.38%
42	ASTRAZENECA PLC	AZN	32,728	$2.5M	0.38%
43	SPDR GOLD TR	GLD	6,693	$2.4M	0.36%
44	SCHWAB STRATEGIC TR	808524870	87,350	$2.4M	0.36%
45	BERKSHIRE HATHAWAY INC DEL	BRK-A	4,490	$2.3M	0.34%
46	ALPHABET INC	GOOG	7,738	$1.9M	0.29%
47	VANGUARD INTL EQUITY INDEX F	922042858	33,687	$1.8M	0.28%
48	ISHARES TR	464287887	12,836	$1.8M	0.28%
49	VANGUARD WORLD FD	92204A108	4,577	$1.8M	0.28%
50	ISHARES TR	46435G516	19,459	$1.8M	0.28%
51	PHILIP MORRIS INTL INC	718172109	10,479	$1.7M	0.26%
52	ISHARES TR	464287671	10,236	$1.7M	0.26%
53	VANGUARD WORLD FD	92204A884	8,928	$1.7M	0.26%
54	ISHARES TR	464288570	12,791	$1.6M	0.25%
55	ISHARES TR	464287325	18,171	$1.6M	0.25%
56	VANGUARD TAX-MANAGED FDS	921943858	26,157	$1.6M	0.24%
57	WALMART INC	WMT	15,111	$1.6M	0.24%
58	VANGUARD INTL EQUITY INDEX F	922042775	21,472	$1.5M	0.23%
59	ISHARES TR	464287556	10,293	$1.5M	0.23%
60	ISHARES TR	464287200	2,172	$1.5M	0.22%
61	ETFS GOLD TR	00326A104	36,945	$1.4M	0.21%
62	ISHARES TR	464288158	12,636	$1.3M	0.21%
63	VANGUARD BD INDEX FDS	921937793	18,769	$1.3M	0.20%
64	SPDR SERIES TRUST	78468R622	13,007	$1.3M	0.19%
65	CATERPILLAR INC	CAT	2,471	$1.2M	0.18%
66	JOHNSON & JOHNSON	JNJ	6,257	$1.2M	0.18%
67	VANGUARD MUN BD FDS	922907746	22,773	$1.1M	0.17%
68	ISHARES TR	464287564	16,459	$1.0M	0.15%
69	NUSHARES ETF TR	NU	10,173	$1.0M	0.15%
70	VANGUARD INTL EQUITY INDEX F	922042874	12,308	$982,178	0.15%
71	AMGEN INC	AMGN	3,465	$977,823	0.15%
72	ISHARES TR	464288646	17,320	$918,480	0.14%
73	VANGUARD WORLD FD	92204A405	6,823	$895,451	0.14%
74	ISHARES TR	46435G193	37,869	$892,194	0.14%
75	VANECK ETF TRUST	92189F106	11,082	$846,672	0.13%
76	VANGUARD WHITEHALL FDS	921946885	12,350	$826,214	0.13%
77	PROCTER AND GAMBLE CO	742718109	5,276	$810,706	0.12%
78	ISHARES TR	464287804	6,720	$798,538	0.12%
79	NVIDIA CORPORATION	NVDA	4,183	$780,399	0.12%
80	SOUTHERN CO	SOMN	8,205	$777,588	0.12%
81	ISHARES INC	46434G863	17,036	$739,716	0.11%
82	ALPHABET INC	GOOG	2,963	$721,572	0.11%
83	VANGUARD WORLD FD	921910816	1,763	$709,466	0.11%
84	ISHARES TR	46432F339	3,571	$694,560	0.11%
85	ISHARES TR	464288281	7,018	$668,070	0.10%
86	BRITISH AMERN TOB PLC	110448107	12,264	$650,977	0.10%
87	UNITEDHEALTH GROUP INC	UNH	1,879	$648,819	0.10%
88	EDWARDS LIFESCIENCES CORP	EW	8,342	$648,720	0.10%
89	NUSHARES ETF TR	NU	14,129	$623,089	0.09%
90	MARRIOTT INTL INC NEW	571903202	2,335	$608,127	0.09%
91	ALTRIA GROUP INC	MO	9,191	$607,187	0.09%
92	SELECT SECTOR SPDR TR	81369Y803	1,923	$542,017	0.08%
93	VANGUARD INDEX FDS	922908637	1,758	$541,330	0.08%
94	JPMORGAN CHASE & CO.	VYLD	1,696	$534,816	0.08%
95	ISHARES TR	46432F396	2,023	$518,798	0.08%
96	VANGUARD INTL EQUITY INDEX F	922042866	5,869	$515,492	0.08%
97	SCHWAB STRATEGIC TR	808524300	15,079	$481,173	0.07%
98	VANGUARD CHARLOTTE FDS	92203J407	9,672	$478,390	0.07%
99	ISHARES TR	464287523	1,763	$477,948	0.07%
100	CISCO SYS INC	CSCO	6,740	$461,151	0.07%
101	BROADCOM INC	AVGO	1,390	$458,578	0.07%
102	AFFIRM HLDGS INC	AFRM	5,835	$426,422	0.07%
103	VANGUARD SCOTTSDALE FDS	92206C680	3,385	$407,893	0.06%
104	ISHARES TR	464287481	2,717	$386,928	0.06%
105	MERCK & CO INC	MRK	4,417	$370,733	0.06%
106	ANNALY CAPITAL MANAGEMENT IN	NLY-PJ	17,647	$356,651	0.05%
107	ISHARES TR	46434V878	7,000	$355,250	0.05%
108	EXXON MOBIL CORP	XOM	3,082	$347,548	0.05%
109	ASML HOLDING N V	ASMLF	357	$345,608	0.05%
110	ORACLE CORP	ORCL-PD	1,218	$342,550	0.05%
111	ISHARES TR	464288513	4,206	$341,485	0.05%
112	SCHWAB STRATEGIC TR	808524888	6,975	$317,442	0.05%
113	ISHARES TR	464288224	20,478	$317,003	0.05%
114	ISHARES TR	464288802	2,304	$312,157	0.05%
115	HOME DEPOT INC	HD	757	$306,850	0.05%
116	S&P GLOBAL INC	SPGI	613	$298,353	0.05%
117	ISHARES INC	46434G855	4,568	$295,595	0.05%
118	LOCKHEED MARTIN CORP	LMT	570	$284,417	0.04%
119	SPDR SERIES TRUST	78464A409	2,692	$281,341	0.04%
120	ISHARES TR	464287226	2,789	$279,597	0.04%
121	VANGUARD WORLD FD	921910691	4,327	$277,775	0.04%
122	COSTCO WHSL CORP NEW	22160K105	297	$275,106	0.04%
123	PALO ALTO NETWORKS INC	PANW	1,350	$274,887	0.04%
124	MEDTRONIC PLC	MDT	2,859	$272,291	0.04%
125	SPDR SERIES TRUST	78468R663	2,902	$266,259	0.04%
126	VANGUARD INDEX FDS	922908595	882	$262,633	0.04%
127	NETFLIX INC	NFLX	218	$261,365	0.04%
128	UNION PAC CORP	UNP	1,082	$255,752	0.04%
129	CHEVRON CORP NEW	CVX	1,642	$254,963	0.04%
130	PEPSICO INC	PEP	1,711	$240,341	0.04%
131	ISHARES TR	464287465	2,374	$221,660	0.03%
132	SCHWAB STRATEGIC TR	808524805	9,288	$216,228	0.03%
133	DEERE & CO	DE	465	$212,626	0.03%
134	VANGUARD WHITEHALL FDS	921946794	2,493	$211,116	0.03%
135	GOLDMAN SACHS ETF TR	NVGLF	1,617	$210,663	0.03%
136	SPDR SERIES TRUST	78464A508	3,721	$205,872	0.03%
137	SCHWAB STRATEGIC TR	808524862	8,260	$201,544	0.03%
138	INTUITIVE SURGICAL INC	ISRG	450	$201,254	0.03%
139	INVESCO ACTVELY MNGD ETC FD	IVZ	13,455	$180,701	0.03%