13F HOLDINGS REPORT

White Lighthouse Investment Management Inc.

Quarter ended Q4 2025 · Filed February 9, 2026 · Accession 0001727593-26-000005

Total Value

$716.4M

Positions

150

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (150)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INDEX FDS	922908736	240,210	$117.2M	16.36%
2	VANGUARD WHITEHALL FDS	921946406	471,838	$67.7M	9.45%
3	ISHARES TR	464288679	472,420	$52.0M	7.26%
4	VANGUARD STAR FDS	921909768	593,492	$44.8M	6.25%
5	VANGUARD SCOTTSDALE FDS	92206C409	365,920	$29.2M	4.07%
6	VANGUARD BD INDEX FDS	921937835	371,289	$27.5M	3.84%
7	VANGUARD INDEX FDS	922908744	131,334	$25.1M	3.50%
8	VANGUARD WORLD FD	92204A702	32,684	$24.6M	3.44%
9	VANGUARD SCOTTSDALE FDS	92206C870	200,521	$16.8M	2.34%
10	ISHARES GOLD TR	IAU	206,671	$16.8M	2.34%
11	ISHARES TR	46432F834	187,638	$15.9M	2.22%
12	ISHARES TR	464287549	113,956	$14.7M	2.05%
13	VANGUARD INDEX FDS	922908363	18,635	$11.7M	1.63%
14	VANGUARD SPECIALIZED FUNDS	921908844	52,596	$11.6M	1.61%
15	ISHARES TR	464287614	22,655	$10.7M	1.50%
16	ISHARES TR	464287168	70,432	$9.9M	1.39%
17	VANGUARD BD INDEX FDS	921937827	117,508	$9.3M	1.29%
18	VANGUARD INDEX FDS	922908611	35,980	$7.6M	1.06%
19	SPDR SERIES TRUST	78468R663	79,402	$7.3M	1.01%
20	VANGUARD WORLD FD	92204A504	24,485	$7.0M	0.98%
21	VANGUARD MALVERN FDS	922020805	131,912	$6.5M	0.91%
22	APPLE INC	AAPL	23,577	$6.4M	0.89%
23	VANGUARD INDEX FDS	922908751	24,585	$6.3M	0.89%
24	INVESCO QQQ TR	IVZ	9,286	$5.7M	0.80%
25	VANGUARD WORLD FD	921910725	77,365	$5.5M	0.77%
26	VANGUARD WORLD FD	921910733	45,293	$5.5M	0.76%
27	VANGUARD INDEX FDS	922908553	59,746	$5.3M	0.74%
28	SCHWAB STRATEGIC TR	808524797	187,668	$5.1M	0.72%
29	VANGUARD INDEX FDS	922908629	17,051	$4.9M	0.69%
30	VANGUARD INDEX FDS	922908769	13,320	$4.5M	0.62%
31	VANGUARD SCOTTSDALE FDS	92206C102	74,371	$4.4M	0.61%
32	VANGUARD SCOTTSDALE FDS	92206C813	56,724	$4.3M	0.60%
33	MICROSOFT CORP	MSFT	8,805	$4.3M	0.59%
34	ISHARES TR	46434V613	85,339	$4.0M	0.55%
35	VANGUARD BD INDEX FDS	921937819	49,730	$3.9M	0.54%
36	VANGUARD INDEX FDS	922908538	12,700	$3.5M	0.49%
37	VANGUARD WORLD FD	92204A876	18,674	$3.5M	0.48%
38	VANGUARD INDEX FDS	922908512	18,525	$3.3M	0.46%
39	ALPHABET INC	GOOG	10,122	$3.2M	0.44%
40	SPDR GOLD TR	GLD	7,093	$2.8M	0.39%
41	SPDR S&P 500 ETF TR	SPY	4,117	$2.8M	0.39%
42	ASTRAZENECA PLC	AZN	30,374	$2.8M	0.39%
43	AMAZON COM INC	AMZN	11,855	$2.7M	0.38%
44	VANGUARD INTL EQUITY INDEX F	922042858	50,886	$2.7M	0.38%
45	BERKSHIRE HATHAWAY INC DEL	BRK-A	5,167	$2.6M	0.36%
46	ISHARES TR	464288414	24,100	$2.6M	0.36%
47	ISHARES TR	46435G425	17,143	$2.6M	0.36%
48	SCHWAB STRATEGIC TR	808524870	93,470	$2.5M	0.35%
49	ISHARES TR	464287671	12,478	$2.1M	0.29%
50	VANGUARD INTL EQUITY INDEX F	922042874	24,150	$2.0M	0.28%
51	SELECT SECTOR SPDR TR	81369Y803	13,244	$1.9M	0.27%
52	PHILIP MORRIS INTL INC	718172109	11,329	$1.8M	0.25%
53	ISHARES TR	464287887	12,820	$1.8M	0.25%
54	VANGUARD WORLD FD	92204A108	4,414	$1.7M	0.24%
55	VANGUARD WORLD FD	92204A884	8,875	$1.7M	0.24%
56	WALMART INC	WMT	15,247	$1.7M	0.24%
57	ISHARES TR	46435G516	17,464	$1.7M	0.23%
58	ISHARES TR	464288570	12,792	$1.6M	0.23%
59	VANGUARD TAX-MANAGED FDS	921943858	26,168	$1.6M	0.23%
60	ISHARES TR	464287325	16,275	$1.6M	0.22%
61	VANGUARD INTL EQUITY INDEX F	922042775	21,422	$1.6M	0.22%
62	ISHARES TR	464287556	9,271	$1.6M	0.22%
63	ISHARES TR	464287200	2,174	$1.5M	0.21%
64	ETFS GOLD TR	00326A104	34,590	$1.4M	0.20%
65	CATERPILLAR INC	CAT	2,471	$1.4M	0.20%
66	ISHARES TR	464288158	12,636	$1.3M	0.19%
67	SPDR SERIES TRUST	78468R622	13,532	$1.3M	0.18%
68	JOHNSON & JOHNSON	JNJ	6,323	$1.3M	0.18%
69	ALPHABET INC	GOOG	4,130	$1.3M	0.18%
70	VANGUARD WHITEHALL FDS	921946885	18,969	$1.3M	0.18%
71	VANGUARD MUN BD FDS	922907746	24,258	$1.2M	0.17%
72	JPMORGAN CHASE & CO.	VYLD	3,673	$1.2M	0.17%
73	AMGEN INC	AMGN	3,569	$1.2M	0.16%
74	NUSHARES ETF TR	NU	10,478	$1.0M	0.14%
75	ISHARES TR	46435G193	43,625	$1.0M	0.14%
76	ISHARES TR	464287564	16,034	$956,749	0.13%
77	VANGUARD WORLD FD	92204A405	7,010	$935,765	0.13%
78	ISHARES TR	464288646	17,590	$930,159	0.13%
79	NVIDIA CORPORATION	NVDA	4,812	$897,465	0.13%
80	SOUTHERN CO	SOMN	9,782	$853,008	0.12%
81	ISHARES TR	46432F339	4,221	$838,375	0.12%
82	VANECK ETF TRUST	92189F106	9,548	$818,942	0.11%
83	ISHARES TR	464287804	6,770	$813,619	0.11%
84	ISHARES TR	464287523	2,581	$777,233	0.11%
85	ISHARES TR	464288281	7,947	$765,137	0.11%
86	PROCTER AND GAMBLE CO	742718109	5,305	$760,232	0.11%
87	ISHARES INC	46434G863	16,507	$729,106	0.10%
88	VANGUARD WORLD FD	921910816	1,763	$727,714	0.10%
89	MARRIOTT INTL INC NEW	571903202	2,335	$724,410	0.10%
90	NUSHARES ETF TR	NU	15,940	$711,721	0.10%
91	VANGUARD BD INDEX FDS	921937793	9,465	$658,007	0.09%
92	GLOBAL X FTSE GREECE 20 ETF	37950E366	9,970	$657,123	0.09%
93	EDWARDS LIFESCIENCES CORP	EW	7,107	$605,914	0.08%
94	UNITEDHEALTH GROUP INC	UNH	1,816	$599,554	0.08%
95	BROADCOM INC	AVGO	1,704	$589,849	0.08%
96	ANNALY CAPITAL MANAGEMENT IN	NLY-PJ	26,065	$582,812	0.08%
97	VANGUARD INDEX FDS	922908637	1,783	$561,443	0.08%
98	ALTRIA GROUP INC	MO	9,193	$530,073	0.07%
99	AFFIRM HLDGS INC	AFRM	7,111	$529,272	0.07%
100	VANGUARD INTL EQUITY INDEX F	922042866	5,789	$523,283	0.07%
101	MERCK & CO INC	MRK	4,899	$515,683	0.07%
102	CISCO SYS INC	CSCO	6,604	$508,737	0.07%
103	ISHARES TR	464288513	6,294	$507,485	0.07%
104	BRITISH AMERN TOB PLC	110448107	8,916	$504,829	0.07%
105	ISHARES TR	464287465	5,203	$499,644	0.07%
106	VANGUARD CHARLOTTE FDS	92203J407	10,047	$485,474	0.07%
107	SCHWAB STRATEGIC TR	808524300	14,672	$478,603	0.07%
108	ISHARES TR	464287481	3,461	$473,949	0.07%
109	ISHARES TR	46432F396	1,633	$408,756	0.06%
110	SELECT SECTOR SPDR TR	81369Y209	2,553	$395,204	0.06%
111	ASML HOLDING N V	ASMLF	365	$390,499	0.05%
112	EXXON MOBIL CORP	XOM	3,190	$383,842	0.05%
113	PIMCO ETF TR	72201R585	14,310	$381,791	0.05%
114	VANGUARD SCOTTSDALE FDS	92206C680	3,115	$379,251	0.05%
115	ISHARES TR	464288224	22,732	$373,485	0.05%
116	TAIWAN SEMICONDUCTOR MFG LTD	874039100	1,191	$361,959	0.05%
117	VANGUARD WORLD FD	921910691	5,674	$361,068	0.05%
118	ISHARES TR	46434V878	7,000	$354,060	0.05%
119	HOME DEPOT INC	HD	1,015	$349,116	0.05%
120	SCHWAB STRATEGIC TR	808524888	7,216	$328,529	0.05%
121	ISHARES TR	464288802	2,304	$321,062	0.04%
122	ISHARES TR	464287226	3,214	$321,014	0.04%
123	S&P GLOBAL INC	SPGI	613	$320,348	0.04%
124	MEDTRONIC PLC	MDT	3,155	$303,091	0.04%
125	SPDR SERIES TRUST	78464A409	2,658	$283,603	0.04%
126	UNION PAC CORP	UNP	1,182	$273,420	0.04%
127	LOCKHEED MARTIN CORP	LMT	564	$272,831	0.04%
128	PEPSICO INC	PEP	1,878	$269,484	0.04%
129	INTUITIVE SURGICAL INC	ISRG	473	$267,888	0.04%
130	SELECT SECTOR SPDR TR	81369Y605	4,827	$264,375	0.04%
131	VANGUARD INDEX FDS	922908595	866	$261,503	0.04%
132	CHEVRON CORP NEW	CVX	1,674	$255,131	0.04%
133	COSTCO WHSL CORP NEW	22160K105	289	$249,444	0.03%
134	PALO ALTO NETWORKS INC	PANW	1,350	$248,670	0.03%
135	SELECT SECTOR SPDR TR	81369Y852	2,096	$246,741	0.03%
136	ISHARES INC	46434G103	3,523	$236,816	0.03%
137	VISA INC	V	656	$230,101	0.03%
138	ORACLE CORP	ORCL-PD	1,150	$224,147	0.03%
139	INVESCO EXCH TRADED FD TR II	IVZ	2,616	$220,503	0.03%
140	VANGUARD WHITEHALL FDS	921946794	2,442	$219,761	0.03%
141	SPDR SERIES TRUST	78468R747	1,658	$218,914	0.03%
142	DEERE & CO	DE	465	$216,490	0.03%
143	SCHWAB STRATEGIC TR	808524805	9,001	$216,396	0.03%
144	SPDR SERIES TRUST	78464A508	3,774	$214,401	0.03%
145	GOLDMAN SACHS ETF TR	NVGLF	1,592	$210,733	0.03%
146	ISHARES INC	46434G855	2,813	$207,149	0.03%
147	BROOKFIELD CORP	11271J107	4,489	$205,986	0.03%
148	SCHWAB STRATEGIC TR	808524862	8,260	$201,296	0.03%
149	QUALCOMM INC	QCOM	1,170	$200,063	0.03%
150	INVESCO ACTVELY MNGD ETC FD	IVZ	13,499	$178,864	0.02%