13F HOLDINGS REPORT

True Link Financial Advisors, LLC

Quarter ended Q4 2025 · Filed January 29, 2026 · Accession 0001846236-26-000001

Total Value

$1.65B

Positions

114

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (114)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	VANGUARD INTERMEDIATE-TERM BOND ETF	921937819	5,225,541	$407.0M	24.72%
2	ISHARES CORE S&P 500 ETF	464287200	303,938	$208.2M	12.65%
3	VANGUARD SHORT-TERM BOND ETF	921937827	2,389,566	$188.3M	11.44%
4	DIMENSIONAL CORE FIXED INCOME ETF	25434V872	3,700,845	$157.5M	9.57%
5	ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF	464287150	776,394	$115.4M	7.01%
6	ISHARES CORE MSCI EAFE ETF	46432F842	863,260	$77.2M	4.69%
7	VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF	922020805	1,452,626	$71.8M	4.36%
8	ISHARES MSCI USA QUALITY FACTOR ETF	46432F339	320,084	$63.6M	3.86%
9	VANGUARD DIVIDEND APPRECIATION ETF	921908844	270,984	$59.6M	3.62%
10	DIMENSIONAL EMERGING CORE EQUITY MARKET ETF	25434V302	1,778,830	$57.9M	3.52%
11	DIMENSIONAL INTERNATIONAL VALUE ETF	25434V807	1,147,531	$57.3M	3.48%
12	ISHARES TRUST ISHARES 0-1 YEAR TREASURY BOND ETF	464288679	382,565	$42.1M	2.56%
13	ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF	46435G672	660,056	$33.0M	2.01%
14	DIMENSIONAL U.S. SMALL CAP ETF	25434V500	208,580	$14.5M	0.88%
15	ISHARES CORE MSCI EUROPE ETF	46434V738	127,792	$9.1M	0.55%
16	ISHARES RUSSELL 1000 GROWTH ETF	464287614	10,579	$5.0M	0.30%
17	VANGUARD INTERMEDIATE-TERM TREASURY ETF	92206C706	71,443	$4.3M	0.26%
18	ISHARES MSCI EAFE ETF	464287465	39,887	$3.8M	0.23%
19	WISDOMTREE U.S. LARGECAP DIVIDEND FUND	WT	38,623	$3.4M	0.21%
20	ISHARES 0-3 MONTH TREASURY BOND ETF	46436E718	32,549	$3.3M	0.20%
21	ISHARES IBONDS DEC 2026 TERM TREASURY ETF	46436E858	136,340	$3.1M	0.19%
22	VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	92206C870	33,892	$2.8M	0.17%
23	VANGUARD VALUE ETF	922908744	13,256	$2.5M	0.15%
24	VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	922042775	33,452	$2.5M	0.15%
25	LOCKHEED MARTIN CORP COM	LMT	4,977	$2.4M	0.15%
26	ISHARES S&P 500 GROWTH ETF	464287309	17,554	$2.2M	0.13%
27	ISHARES ULTRA SHORT DURATION BOND ACTIVE ETF	46434V878	40,969	$2.1M	0.13%
28	STATE STREET SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF	78464A375	56,979	$1.9M	0.12%
29	ISHARES MSCI USA VALUE FACTOR ETF	46432F388	12,128	$1.7M	0.10%
30	SCHWAB SHORT-TERM US TREASURY ETF	808524862	63,929	$1.6M	0.09%
31	MICROSOFT CORP COM	MSFT	3,134	$1.5M	0.09%
32	SCHWAB US DIVIDEND EQUITY ETF	808524797	54,261	$1.5M	0.09%
33	ISHARES SHORT-TERM NATIONAL MUNI BOND ETF	464288158	13,470	$1.4M	0.09%
34	BERKSHIRE HATHAWAY INC DEL CL B NEW	BRK-A	2,614	$1.3M	0.08%
35	APPLE INC COM	AAPL	4,759	$1.3M	0.08%
36	SCHWAB INTERMEDIATE-TERM US TREASURY ETF	808524854	48,049	$1.2M	0.07%
37	ISHARES RUSSELL MID-CAP GROWTH ETF	464287481	8,094	$1.1M	0.07%
38	NVIDIA CORPORATION COM	NVDA	5,897	$1.1M	0.07%
39	WISDOMTREE U.S. MIDCAP DIVIDEND FUND	WT	20,286	$1.0M	0.06%
40	AMAZON COM INC COM	AMZN	4,344	$1.0M	0.06%
41	STATE STR SPDR S&P 500 ETF TR TR UNIT	SPY	1,333	$908,999	0.06%
42	FLEX LTD ORD	FLEX	12,758	$770,838	0.05%
43	VANGUARD LONG-TERM BOND ETF	921937793	11,000	$764,720	0.05%
44	JPMORGAN CHASE & CO. COM	VYLD	2,318	$746,906	0.05%
45	ALPHABET INC CAP STK CL A	GOOG	2,371	$742,123	0.05%
46	GE AEROSPACE COM NEW	369604301	2,401	$739,580	0.04%
47	ISHARES CORE S&P MID-CAP ETF	464287507	10,572	$697,752	0.04%
48	ISHARES CALIFORNIA MUNI BOND ETF	464288356	11,810	$678,603	0.04%
49	VANGUARD FTSE EMERGING MARKETS ETF	922042858	12,558	$675,118	0.04%
50	DIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF	25434V633	13,310	$666,567	0.04%
51	VANGUARD LARGE-CAP ETF	922908637	2,038	$641,562	0.04%
52	VANGUARD TOTAL BOND MARKET ETF	921937835	8,544	$632,854	0.04%
53	WISDOMTREE INTERNATIONAL MIDCAP DIVIDEND FUND	WT	7,845	$631,978	0.04%
54	INTERNATIONAL BUSINESS MACHS COM	INTR	1,841	$545,323	0.03%
55	ALPHABET INC CAP STK CL C	GOOG	1,649	$517,456	0.03%
56	ISHARES CORE U.S. AGGREGATE BOND ETF	464287226	5,141	$513,483	0.03%
57	BROADCOM INC COM	AVGO	1,400	$484,540	0.03%
58	VANGUARD S&P 500 ETF	922908363	738	$462,822	0.03%
59	VANGUARD TOTAL STOCK MARKET ETF	922908769	1,342	$449,932	0.03%
60	FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	316092808	1,987	$446,419	0.03%
61	ISHARES CORE S&P SMALL CAP ETF	464287804	3,701	$444,786	0.03%
62	ISHARES CORE MSCI EMERGING MARKETS ETF	46434G103	6,389	$429,469	0.03%
63	OKTA INC CL A	OKTA	4,724	$408,484	0.02%
64	WALMART INC COM	WMT	3,645	$406,066	0.02%
65	GE VERNOVA INC COM	GEV	616	$402,599	0.02%
66	VANGUARD INFORMATION TECHNOLOGY ETF	92204A702	530	$399,503	0.02%
67	MORGAN STANLEY COM NEW	MS-PQ	2,234	$396,602	0.02%
68	ISHARES IBONDS DEC 2028 TERM CORPORATE ETF	46435U515	15,578	$396,538	0.02%
69	GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF	NVGLF	8,716	$374,265	0.02%
70	INVESCO QQQ TRUST SERIES I	IVZ	602	$369,675	0.02%
71	META PLATFORMS INC CL A	META	540	$356,449	0.02%
72	NUVEEN ESG DIVIDEND ETF	NU	11,906	$354,973	0.02%
73	STATE STREET COMMUNICATION SERVICES SELECT SECTOR SPDR ETF	81369Y852	2,978	$350,570	0.02%
74	ISHARES ESG AWARE MSCI EAFE ETF	46435G516	3,656	$347,649	0.02%
75	EXXON MOBIL CORP COM	XOM	2,855	$343,571	0.02%
76	ELI LILLY & CO COM	LLY	312	$335,300	0.02%
77	ISHARES ESG AWARE USD CORPORATE BOND ETF	46435G193	14,314	$334,729	0.02%
78	AGILENT TECHNOLOGIES INC COM	A	2,440	$332,011	0.02%
79	VANGUARD FTSE DEVELOPED MARKETS ETF	921943858	5,196	$324,600	0.02%
80	ALLSTATE CORP COM	ALL-PJ	1,540	$320,551	0.02%
81	ISHARES RUSSELL 2000 ETF	464287655	1,267	$311,885	0.02%
82	HEWLETT PACKARD ENTERPRISE CO COM	HPE-PC	12,800	$307,456	0.02%
83	PEPSICO INC COM	PEP	2,117	$303,832	0.02%
84	VANGUARD ESG U.S. STOCK ETF	921910733	2,504	$302,884	0.02%
85	KEYSIGHT TECHNOLOGIES INC COM	KEYS	1,459	$296,454	0.02%
86	RTX CORPORATION COM	RTX	1,613	$295,824	0.02%
87	TR ACTIVEBETA US SMALL CAP EQUITY ETF	NVGLF	3,866	$292,386	0.02%
88	HP INC COM	HPQ	12,800	$285,184	0.02%
89	VISA INC COM CL A	V	810	$284,075	0.02%
90	STATE STREET SPDR S&P 500 ESG ETF	78468R531	4,204	$278,095	0.02%
91	CARDINAL HEALTH INC COM	CAH	1,350	$277,425	0.02%
92	VANGUARD MID-CAP ETF	922908629	955	$277,160	0.02%
93	SPDR MSCI ACWI EX-US ETF	78463X848	7,658	$275,075	0.02%
94	CAPITAL ONE FINL CORP COM	14040H105	1,060	$256,902	0.02%
95	ISHARES RUSSELL 1000 VALUE ETF	464287598	1,195	$251,356	0.02%
96	ABBVIE INC COM	ABBV	1,065	$243,342	0.01%
97	VANGUARD HEALTH CARE ETF	92204A504	839	$241,506	0.01%
98	UNION PAC CORP COM	UNP	1,030	$238,260	0.01%
99	VANGUARD TOTAL INTERNATIONAL BOND ETF	92203J407	4,924	$237,911	0.01%
100	PROCTER & GAMBLE CO COM	742718109	1,646	$235,888	0.01%
101	DTE ENERGY CO COM	DTK	1,809	$233,306	0.01%
102	STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF	81369Y803	1,584	$228,048	0.01%
103	XCEL ENERGY INC COM	XELLL	3,063	$226,236	0.01%
104	DT MIDSTREAM INC COMMON STOCK	DTM	1,881	$225,118	0.01%
105	AVANTIS INTERNATIONAL EQUITY ETF	025072703	2,720	$223,910	0.01%
106	ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF	46435G243	8,867	$223,803	0.01%
107	WELLS FARGO & CO COM	949746101	2,368	$220,698	0.01%
108	COSTCO WHOLESALE CORPORATION COM	22160K105	254	$219,034	0.01%
109	ISHARES ESG AWARE MSCI EM ETF	46434G863	4,905	$216,654	0.01%
110	GLOBAL X S&P 500 CATHOLIC VALUES CUSTOM ETF	37954Y889	2,634	$216,585	0.01%
111	JOHNSON & JOHNSON COM	JNJ	1,040	$215,228	0.01%
112	STATE STREET SPDR S&P DIVIDEND ETF	78464A763	1,500	$208,740	0.01%
113	STATE STREET FINANCIAL SELECT SECTOR SPDR ETF	81369Y605	3,753	$205,552	0.01%
114	ISHARES U.S. INDUSTRIALS ETF	464287754	1,355	$200,770	0.01%