13F HOLDINGS REPORT

Financial Synergies Wealth Advisors, Inc.

Quarter ended Q4 2025 · Filed February 6, 2026 · Accession 0002017868-26-000003

Total Value

$1.04B

Positions

126

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (126)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	ISHARES TR	464287200	228,263	$156.3M	15.09%
2	VANGUARD INDEX FDS	922908736	251,944	$122.9M	11.87%
3	VANGUARD INDEX FDS	922908629	367,181	$106.6M	10.29%
4	VANGUARD INDEX FDS	922908744	514,415	$98.2M	9.49%
5	ISHARES TR	464288877	883,617	$63.1M	6.09%
6	VANGUARD TAX-MANAGED FDS	921943858	883,619	$55.2M	5.33%
7	ISHARES TR	464288885	466,895	$53.2M	5.14%
8	ISHARES INC	46434G103	632,048	$42.5M	4.10%
9	SCHWAB STRATEGIC TR	808524300	1,215,160	$39.6M	3.83%
10	VANGUARD SCOTTSDALE FDS	92206C714	221,259	$20.4M	1.97%
11	VANGUARD INDEX FDS	922908751	79,060	$20.4M	1.97%
12	DIMENSIONAL ETF TRUST	25434V500	268,854	$18.7M	1.81%
13	AMERICAN CENTY ETF TR	025072877	175,283	$17.9M	1.73%
14	DIMENSIONAL ETF TRUST	25434V724	324,195	$15.1M	1.46%
15	VANGUARD INDEX FDS	922908611	60,086	$12.7M	1.23%
16	SCHWAB STRATEGIC TR	808524755	196,261	$8.9M	0.86%
17	BLACKROCK ETF TRUST II	BLK	150,173	$7.3M	0.71%
18	SCHWAB STRATEGIC TR	808524201	263,104	$7.1M	0.68%
19	FIDELITY MERRIMACK STR TR	316188309	142,337	$6.6M	0.63%
20	ISHARES TR	464287408	30,638	$6.5M	0.63%
21	SCHWAB STRATEGIC TR	808524508	206,179	$6.2M	0.60%
22	ISHARES TR	46432F842	67,048	$6.0M	0.58%
23	EXXON MOBIL CORP	XOM	48,198	$5.8M	0.56%
24	PIMCO ETF TR	72201R866	105,999	$5.6M	0.54%
25	APPLE INC	AAPL	20,184	$5.5M	0.53%
26	VANGUARD INTL EQUITY INDEX F	922042858	99,046	$5.3M	0.51%
27	VANGUARD INDEX FDS	922908736	10,703	$5.2M	0.50%
28	ISHARES TR	464287630	28,612	$5.2M	0.50%
29	VANGUARD INDEX FDS	922908744	25,343	$4.8M	0.47%
30	VANGUARD INDEX FDS	922908629	15,679	$4.6M	0.44%
31	ISHARES TR	464287234	81,568	$4.5M	0.43%
32	CATERPILLAR INC	CAT	7,727	$4.4M	0.43%
33	ISHARES TR	464287200	6,356	$4.4M	0.42%
34	WALMART INC	WMT	30,486	$3.4M	0.33%
35	DIMENSIONAL ETF TRUST	25434V807	64,344	$3.2M	0.31%
36	VANGUARD INDEX FDS	922908652	14,101	$2.9M	0.28%
37	ISHARES TR	464287465	29,674	$2.8M	0.28%
38	SPDR S&P 500 ETF TR	SPY	4,166	$2.8M	0.27%
39	VANGUARD INDEX FDS	922908363	4,385	$2.7M	0.27%
40	VANGUARD TAX-MANAGED FDS	921943858	42,657	$2.7M	0.26%
41	ISHARES TR	464288877	35,783	$2.6M	0.25%
42	ISHARES TR	464288620	49,049	$2.5M	0.25%
43	ISHARES INC	46434G103	36,033	$2.4M	0.23%
44	CHEVRON CORP NEW	CVX	15,227	$2.3M	0.22%
45	ISHARES TR	464288885	18,447	$2.1M	0.20%
46	STELLAR BANCORP INC	STEL	65,848	$2.0M	0.20%
47	SPDR SERIES TRUST	78464A300	22,176	$2.0M	0.19%
48	DIMENSIONAL ETF TRUST	25434V609	32,461	$1.9M	0.19%
49	ISHARES TR	464287655	7,846	$1.9M	0.19%
50	SCHWAB STRATEGIC TR	808524771	65,487	$1.8M	0.17%
51	MICROSOFT CORP	MSFT	3,683	$1.8M	0.17%
52	UNITEDHEALTH GROUP INC	UNH	5,306	$1.8M	0.17%
53	ISHARES TR	46435G326	19,930	$1.6M	0.16%
54	BERKSHIRE HATHAWAY INC DEL	BRK-A	3,091	$1.6M	0.15%
55	DICKS SPORTING GOODS INC	253393102	7,305	$1.4M	0.14%
56	JOHNSON & JOHNSON	JNJ	6,762	$1.4M	0.14%
57	NVIDIA CORPORATION	NVDA	7,414	$1.4M	0.13%
58	MICRON TECHNOLOGY INC	MU	4,610	$1.3M	0.13%
59	DIMENSIONAL ETF TRUST	25434V708	32,603	$1.3M	0.12%
60	INVESCO QQQ TR	IVZ	2,022	$1.2M	0.12%
61	AMAZON COM INC	AMZN	4,900	$1.1M	0.11%
62	VANGUARD INDEX FDS	922908769	3,341	$1.1M	0.11%
63	ISHARES TR	464287507	15,685	$1.0M	0.10%
64	MCDONALDS CORP	MCD	3,020	$923,017	0.09%
65	PIMCO ETF TR	72201R569	18,489	$918,833	0.09%
66	DIMENSIONAL ETF TRUST	25434V500	12,705	$885,162	0.09%
67	AMERICAN CENTY ETF TR	025072877	8,658	$882,959	0.09%
68	ALPHABET INC	GOOG	2,574	$805,725	0.08%
69	BROADCOM INC	AVGO	2,275	$787,402	0.08%
70	SPDR SERIES TRUST	78468R853	16,800	$787,259	0.08%
71	ISHARES GOLD TR	IAU	9,591	$778,502	0.08%
72	DIMENSIONAL ETF TRUST	25434V203	19,926	$759,373	0.07%
73	PIMCO ETF TR	72201R619	14,472	$745,463	0.07%
74	ISHARES TR	464288273	9,335	$723,753	0.07%
75	APPLE INC	AAPL	2,628	$714,345	0.07%
76	KKR & CO INC	KKRT	5,369	$684,441	0.07%
77	SCHWAB STRATEGIC TR	808524607	23,908	$680,894	0.07%
78	VANECK ETF TRUST	92189F643	6,251	$647,313	0.06%
79	SCHWAB STRATEGIC TR	808524805	26,411	$634,924	0.06%
80	DILLARDS INC	254067101	1,001	$606,947	0.06%
81	MICROSOFT CORP	MSFT	1,237	$598,286	0.06%
82	VALERO ENERGY CORP	VLO	3,366	$548,027	0.05%
83	VANGUARD WORLD FD	921910873	2,129	$534,776	0.05%
84	SCHWAB STRATEGIC TR	808524763	16,913	$532,941	0.05%
85	BOEING CO	BA-PA	2,442	$530,208	0.05%
86	TESLA INC	TSLA	1,164	$523,475	0.05%
87	EXXON MOBIL CORP	XOM	4,253	$511,794	0.05%
88	QUALCOMM INC	QCOM	2,916	$498,819	0.05%
89	AMERICAN CENTY ETF TR	025072349	6,248	$473,433	0.05%
90	SCHWAB STRATEGIC TR	808524201	16,839	$453,135	0.04%
91	DIMENSIONAL ETF TRUST	25434V872	10,627	$452,283	0.04%
92	INVESCO EXCHANGE TRADED FD T	IVZ	8,439	$442,502	0.04%
93	PIMCO ETF TR	72201R783	4,478	$424,579	0.04%
94	ISHARES TR	464287309	3,379	$416,487	0.04%
95	PIMCO ETF TR	72201R585	15,551	$414,906	0.04%
96	SCHWAB STRATEGIC TR	808524102	15,332	$402,154	0.04%
97	CONOCOPHILLIPS	COP	4,152	$388,713	0.04%
98	UNION PAC CORP	UNP	1,610	$372,426	0.04%
99	JPMORGAN CHASE & CO.	VYLD	1,109	$357,500	0.03%
100	VANGUARD INDEX FDS	922908637	1,019	$320,796	0.03%
101	SCHWAB STRATEGIC TR	808524409	10,777	$319,097	0.03%
102	INVESCO EXCH TRADED FD TR II	IVZ	1,256	$317,668	0.03%
103	CISCO SYS INC	CSCO	4,048	$311,813	0.03%
104	SCHWAB STRATEGIC TR	808524508	10,349	$311,205	0.03%
105	VANGUARD INTL EQUITY INDEX F	922042858	5,397	$290,158	0.03%
106	PROCTER AND GAMBLE CO	742718109	2,011	$288,209	0.03%
107	DIMENSIONAL ETF TRUST	25434V302	8,848	$288,169	0.03%
108	VANGUARD SPECIALIZED FUNDS	921908844	1,302	$286,138	0.03%
109	SCHWAB STRATEGIC TR	808524797	10,138	$278,098	0.03%
110	BLACKSTONE SECD LENDING FD	BX	10,114	$266,299	0.03%
111	SCHWAB STRATEGIC TR	808524730	7,166	$258,416	0.02%
112	FIDELITY MERRIMACK STR TR	316188309	5,584	$257,107	0.02%
113	CHEVRON CORP NEW	CVX	1,628	$248,124	0.02%
114	ALPHABET INC	GOOG	782	$245,477	0.02%
115	PARKER-HANNIFIN CORP	PH	267	$234,999	0.02%
116	HOME DEPOT INC	HD	671	$230,957	0.02%
117	VANGUARD INDEX FDS	922908363	359	$225,067	0.02%
118	VISA INC	V	632	$221,799	0.02%
119	WESTERN DIGITAL CORP	WDC	1,254	$215,960	0.02%
120	VANGUARD MALVERN FDS	922020755	2,743	$214,235	0.02%
121	VANGUARD WHITEHALL FDS	921946406	1,460	$209,540	0.02%
122	VANGUARD ADMIRAL FDS INC	921932794	1,725	$209,217	0.02%
123	SPDR SERIES TRUST	78464A763	1,500	$208,809	0.02%
124	VANGUARD INTL EQUITY INDEX F	922042742	1,470	$207,326	0.02%
125	FIDELITY COVINGTON TRUST	316092261	9,377	$204,364	0.02%
126	PALANTIR TECHNOLOGIES INC	PLTR	1,139	$202,458	0.02%