13F HOLDINGS REPORT

Financial Synergies Wealth Advisors, Inc.

Quarter ended Q3 2025 · Filed October 27, 2025 · Accession 0002017868-25-000013

Total Value

$987.9M

Positions

112

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (112)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES TR	464287200	226,435	$151.6M	15.34%
2	VANGUARD INDEX FDS	922908736	250,994	$120.4M	12.19%
3	VANGUARD INDEX FDS	922908629	356,933	$104.8M	10.61%
4	VANGUARD INDEX FDS	922908744	499,076	$93.1M	9.42%
5	ISHARES TR	464288877	868,748	$58.9M	5.97%
6	VANGUARD TAX-MANAGED FDS	921943858	866,030	$51.9M	5.25%
7	ISHARES TR	464288885	450,546	$51.3M	5.19%
8	ISHARES INC	46434G103	617,129	$40.7M	4.12%
9	SCHWAB STRATEGIC TR	808524300	1,219,963	$38.9M	3.94%
10	VANGUARD INDEX FDS	922908751	79,497	$20.2M	2.05%
11	VANGUARD SCOTTSDALE FDS	92206C714	222,960	$19.9M	2.02%
12	DIMENSIONAL ETF TRUST	25434V500	260,299	$17.8M	1.80%
13	AMERICAN CENTY ETF TR	025072877	169,006	$16.8M	1.70%
14	DIMENSIONAL ETF TRUST	25434V724	321,384	$14.4M	1.45%
15	VANGUARD INDEX FDS	922908611	59,624	$12.4M	1.26%
16	SCHWAB STRATEGIC TR	808524755	194,769	$8.4M	0.85%
17	BLACKROCK ETF TRUST II	BLK	162,245	$8.0M	0.81%
18	SCHWAB STRATEGIC TR	808524201	267,059	$7.0M	0.71%
19	ISHARES TR	464287408	31,039	$6.4M	0.65%
20	SCHWAB STRATEGIC TR	808524508	209,173	$6.2M	0.63%
21	ISHARES TR	46432F842	66,912	$5.8M	0.59%
22	FIDELITY MERRIMACK STR TR	316188309	119,453	$5.5M	0.56%
23	PIMCO ETF TR	72201R866	105,445	$5.5M	0.56%
24	ISHARES TR	464287630	30,392	$5.4M	0.54%
25	VANGUARD INTL EQUITY INDEX F	922042858	99,167	$5.4M	0.54%
26	EXXON MOBIL CORP	XOM	46,417	$5.2M	0.53%
27	VANGUARD INDEX FDS	922908736	10,766	$5.2M	0.52%
28	VANGUARD INDEX FDS	922908744	24,796	$4.6M	0.47%
29	APPLE INC	AAPL	18,065	$4.6M	0.47%
30	VANGUARD INDEX FDS	922908629	15,280	$4.5M	0.45%
31	ISHARES TR	464287234	80,877	$4.3M	0.44%
32	ISHARES TR	464287200	6,395	$4.3M	0.43%
33	SPDR S&P 500 ETF TR	SPY	5,191	$3.5M	0.35%
34	VANGUARD INDEX FDS	922908652	14,801	$3.1M	0.31%
35	WALMART INC	WMT	29,326	$3.0M	0.31%
36	DIMENSIONAL ETF TRUST	25434V807	61,142	$2.8M	0.29%
37	ISHARES TR	464287465	29,742	$2.8M	0.28%
38	VANGUARD TAX-MANAGED FDS	921943858	42,731	$2.6M	0.26%
39	VANGUARD INDEX FDS	922908363	4,154	$2.5M	0.26%
40	ISHARES TR	464288877	35,362	$2.4M	0.24%
41	ISHARES INC	46434G103	35,766	$2.4M	0.24%
42	CHEVRON CORP NEW	CVX	14,954	$2.3M	0.24%
43	ISHARES TR	464288620	41,221	$2.2M	0.22%
44	ISHARES TR	464288885	18,031	$2.1M	0.21%
45	STELLAR BANCORP INC	STEL	65,848	$2.0M	0.20%
46	SPDR SERIES TRUST	78464A300	22,125	$2.0M	0.20%
47	DIMENSIONAL ETF TRUST	25434V609	32,354	$1.9M	0.19%
48	ISHARES TR	464287655	7,717	$1.9M	0.19%
49	UNITEDHEALTH GROUP INC	UNH	5,282	$1.8M	0.18%
50	SCHWAB STRATEGIC TR	808524771	64,925	$1.7M	0.17%
51	ISHARES TR	46435G326	19,736	$1.6M	0.16%
52	MICROSOFT CORP	MSFT	2,754	$1.4M	0.14%
53	CATERPILLAR INC	CAT	2,810	$1.3M	0.14%
54	NVIDIA CORPORATION	NVDA	6,800	$1.3M	0.13%
55	DIMENSIONAL ETF TRUST	25434V708	32,529	$1.3M	0.13%
56	BERKSHIRE HATHAWAY INC DEL	BRK-A	2,480	$1.2M	0.13%
57	JOHNSON & JOHNSON	JNJ	6,723	$1.2M	0.13%
58	VANGUARD INDEX FDS	922908769	3,332	$1.1M	0.11%
59	ISHARES TR	464287507	15,622	$1.0M	0.10%
60	INVESCO QQQ TR	IVZ	1,656	$994,495	0.10%
61	AMAZON COM INC	AMZN	4,156	$912,432	0.09%
62	MCDONALDS CORP	MCD	2,998	$911,060	0.09%
63	DIMENSIONAL ETF TRUST	25434V500	12,370	$846,865	0.09%
64	AMERICAN CENTY ETF TR	025072877	8,409	$836,899	0.08%
65	SPDR SERIES TRUST	78468R853	16,948	$785,047	0.08%
66	DIMENSIONAL ETF TRUST	25434V203	19,911	$723,774	0.07%
67	ISHARES TR	464288273	9,157	$702,525	0.07%
68	ISHARES GOLD TR	IAU	9,551	$695,027	0.07%
69	SCHWAB STRATEGIC TR	808524607	24,063	$671,358	0.07%
70	APPLE INC	AAPL	2,626	$668,604	0.07%
71	MICROSOFT CORP	MSFT	1,277	$661,473	0.07%
72	VANECK ETF TRUST	92189F643	6,175	$611,976	0.06%
73	SCHWAB STRATEGIC TR	808524805	26,146	$608,680	0.06%
74	PIMCO ETF TR	72201R569	11,836	$587,751	0.06%
75	SCHWAB STRATEGIC TR	808524763	17,083	$532,296	0.05%
76	VANGUARD WORLD FD	921910873	2,122	$518,044	0.05%
77	BOEING CO	BA-PA	2,356	$508,496	0.05%
78	EXXON MOBIL CORP	XOM	4,253	$479,515	0.05%
79	PIMCO ETF TR	72201R619	9,077	$470,190	0.05%
80	DIMENSIONAL ETF TRUST	25434V872	10,501	$449,012	0.05%
81	AMERICAN CENTY ETF TR	025072349	6,209	$448,656	0.05%
82	SCHWAB STRATEGIC TR	808524201	16,831	$443,334	0.04%
83	ALPHABET INC	GOOG	1,753	$426,123	0.04%
84	TESLA INC	TSLA	943	$419,371	0.04%
85	SCHWAB STRATEGIC TR	808524102	15,327	$394,055	0.04%
86	ISHARES TR	464287309	3,239	$390,967	0.04%
87	CONOCOPHILLIPS	COP	4,111	$388,878	0.04%
88	PIMCO ETF TR	72201R783	4,056	$388,080	0.04%
89	PIMCO ETF TR	72201R585	14,013	$376,110	0.04%
90	UNION PAC CORP	UNP	1,590	$375,829	0.04%
91	BROADCOM INC	AVGO	1,127	$371,727	0.04%
92	JPMORGAN CHASE & CO.	VYLD	1,099	$346,558	0.04%
93	VANGUARD INDEX FDS	922908637	1,047	$322,480	0.03%
94	SCHWAB STRATEGIC TR	808524409	10,735	$312,510	0.03%
95	INVESCO EXCH TRADED FD TR II	IVZ	1,256	$310,383	0.03%
96	SCHWAB STRATEGIC TR	808524508	10,349	$306,754	0.03%
97	VANGUARD INTL EQUITY INDEX F	922042858	5,571	$301,830	0.03%
98	VANGUARD SPECIALIZED FUNDS	921908844	1,302	$281,201	0.03%
99	SCHWAB STRATEGIC TR	808524797	10,065	$274,770	0.03%
100	CISCO SYS INC	CSCO	4,012	$274,471	0.03%
101	HOME DEPOT INC	HD	665	$269,380	0.03%
102	BLACKSTONE SECD LENDING FD	BX	10,136	$264,251	0.03%
103	SCHWAB STRATEGIC TR	808524730	7,043	$254,667	0.03%
104	CHEVRON CORP NEW	CVX	1,628	$252,813	0.03%
105	VANGUARD INDEX FDS	922908363	380	$232,580	0.02%
106	VANGUARD MALVERN FDS	922020755	2,686	$211,213	0.02%
107	SPDR SERIES TRUST	78464A763	1,500	$210,145	0.02%
108	PARKER-HANNIFIN CORP	PH	274	$207,786	0.02%
109	FIDELITY MERRIMACK STR TR	316188309	4,441	$205,345	0.02%
110	FIDELITY COVINGTON TRUST	316092261	9,235	$203,770	0.02%
111	BLACKROCK INC	BLK	173	$202,253	0.02%
112	PROCTER AND GAMBLE CO	742718109	1,307	$200,787	0.02%