Financial Synergies Wealth Advisors, Inc.

Quarterly 13F snapshot: US-listed longs only, no performance figures — 13F data cannot support them.

Portfolio value: $1.22B
Positions: 120
Quarter ended: September 30, 2026
Filed: October 16, 2026

Reported portfolio value by quarter (31 quarters reported)

$1.22B $176M

Q1 19 Q4 20 Q3 22 Q2 24 Q1 26 Q3 26

$188M in Q1 2019 → $1.22B now. Hover for any quarter.

Holdings

As reported for the quarter ended September 30, 2026. Activity is the change in share count since the prior quarter's filing.

Holding	% of portfolio	Activity	Shares	Value
IT Ishares Tr	14.4%	Added 0.6%	229,119	$175M
VI Vanguard Index Fds	11.3%	Added 0.9%	1,529,827	$138M
VI Vanguard Index Fds	10.0%	Added 1.9%	1,555,944	$122M
VI Vanguard Index Fds	9.4%	Added 1.5%	530,516	$115M
IT Ishares Tr	5.7%	Added 0.7%	883,585	$69.9M
VT Vanguard Tax-managed Fds	5.1%	Added 1.2%	880,265	$62.2M
IT Ishares Tr	4.8%	Added 2.0%	489,325	$58.6M
I Ishares Inc	4.2%	Added 1.4%	630,207	$51.1M
SS Schwab Strategic Tr	3.5%	Trimmed 0.2%	1,177,465	$42.3M
VS Vanguard Scottsdale Fds	2.4%	New	370,116	$29M
VS Vanguard Scottsdale Fds	1.9%	Trimmed 0.9%	215,323	$23.4M
DE Dimensional ETF Trust	1.8%	Added 2.0%	284,179	$22M
AC American Centy ETF Tr	1.8%	Added 1.6%	183,602	$21.6M
VI Vanguard Index Fds	1.7%	Trimmed 0.7%	73,768	$21M
Micron Technology Inc	1.5%	Added 1.9%	17,450	$18.6M
DE Dimensional ETF Trust	1.4%	Trimmed 1.4%	314,129	$17.3M
Apple Inc	1.3%	Added 8.0%	46,700	$15.6M
VI Vanguard Index Fds	1.1%	Added 0.2%	59,014	$13.6M
SS Schwab Strategic Tr	0.8%	Trimmed 0.6%	187,750	$10.1M
Sandisk Corp	0.7%	Added 6.5%	5,145	$8.95M
SS Schwab Strategic Tr	0.7%	Added 1.5%	277,113	$8.31M
FM Fidelity Merrimack Str Tr	0.7%	Added 5.5%	189,781	$8.22M
Exxonmobil Holdings Corp	0.6%	New	48,464	$7.89M
Caterpillar Inc	0.6%	Added 0.2%	9,030	$7.32M
IT Ishares Tr	0.6%	Added 0.6%	31,023	$7.08M
SS Schwab Strategic Tr	0.6%	Trimmed 0.3%	198,697	$6.76M
VI Vanguard Index Fds	0.6%	Added 9.1%	9,632	$6.75M
IT Ishares Tr	0.5%	Trimmed 0.2%	67,122	$6.5M
IT Ishares Tr	0.5%	Added 0.3%	28,650	$6M
VI Vanguard Intl Equity Index F	0.5%	Added 0.4%	99,439	$5.9M
BE Blackrock ETF Trust Ii	0.5%	Trimmed 8.7%	121,221	$5.54M
IT Ishares Tr	0.4%	Trimmed 0.9%	78,091	$5.22M
PE Pimco ETF Tr	0.4%	Trimmed 11%	101,622	$5.05M
Western Digital Corp	0.4%	Added 0.4%	10,934	$4.97M
Microsoft Corp	0.3%	Added 27%	7,258	$3.72M
DE Dimensional ETF Trust	0.3%	Added 1.5%	61,926	$3.46M
Walmart Inc	0.3%	Added 1.5%	29,753	$3.09M
Nvidia Corporation	0.3%	Added 35%	13,466	$3.08M
IT Ishares Tr	0.3%	Trimmed 0.3%	29,418	$3.06M
Chevron Corporation	0.2%	Added 1.9%	14,070	$2.87M
SS State Str SPDR S&P 500 ETF T	0.2%	Added 40%	3,668	$2.8M
Valero Energy Corp	0.2%	Trimmed 22%	7,175	$2.78M
VI Vanguard Index Fds	0.2%	Trimmed 5.5%	11,738	$2.72M
Costco Wholesale Corporation	0.2%	Added 0.9%	2,821	$2.57M
IT Ishares Tr	0.2%	Trimmed 20%	43,729	$2.13M
BH Berkshire Hathaway Inc Del	0.2%	Added 1.5%	4,266	$2.12M
IQ Invesco Qqq Tr	0.2%	Added 1.3%	2,787	$2.06M
SS Schwab Strategic Tr	0.2%	Trimmed 1.0%	64,900	$2.04M
IT Ishares Tr	0.2%	Trimmed 2.4%	7,183	$2M
Amazon Com Inc	0.2%	Added 35%	7,664	$1.91M
PE Pimco ETF Tr	0.2%	Added 20%	41,211	$1.91M
Johnson & Johnson	0.2%	Added 2.6%	7,086	$1.88M
Prosperity Bancshares Inc	0.2%	Added 894%	27,849	$1.84M
DS Dicks Sporting Goods Inc	0.1%	Trimmed 0.0%	13,308	$1.79M
SS SPDR Series Trust	0.1%	Added 0.1%	17,364	$1.77M
IT Ishares Tr	0.1%	Trimmed 0.5%	19,064	$1.71M
Jpmorgan Chase & Co	0.1%	Added 10%	4,988	$1.65M
Unitedhealth Group Inc	0.1%	Trimmed 17%	4,418	$1.62M
DE Dimensional ETF Trust	0.1%	Trimmed 14%	23,967	$1.59M
DE Dimensional ETF Trust	0.1%	Added 0.2%	32,782	$1.46M

Showing top 60 of 120 positions.

Timeline of changes

What changed each quarter, from the filings' own share counts. Largest moves first; most recent 8 quarters.

Q3 2026

quarter ended September 30, 2026 · filed October 16, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VS Vanguard Scottsdale Fds	New	+370,116	+$29M	2.4%
Exxonmobil Holdings Corp	New	+48,464	+$7.89M	0.6%
Exxon Mobil Corp	Exited	−48,273	−$6.6M	—
Stellar Bancorp Inc	Exited	−65,848	−$2.59M	—
VI Vanguard Index Fds	Added	+28,677	+$2.25M	10.0%
VI Vanguard Index Fds	Added	+8,037	+$1.74M	9.4%
Prosperity Bancshares Inc	Added	+25,046	+$1.66M	0.2%
VI Vanguard Index Fds	Added	+14,060	+$1.27M	11.3%
IT Ishares Tr	Added	+9,726	+$1.17M	4.8%
Apple Inc	Added	+3,457	+$1.15M	1.3%

Showing the 10 largest of 120 changes.

Q2 2026

quarter ended June 30, 2026 · filed July 17, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Added	+1,256,511	+$108M	11.1%
VI Vanguard Index Fds	Added	+1,140,041	+$91.9M	10.4%
VI Vanguard Index Fds	Trimmed	−19,920	−$4.34M	9.7%
IT Ishares Tr	Trimmed	−4,649	−$3.48M	14.5%
VT Vanguard Tax-managed Fds	Trimmed	−41,607	−$2.96M	5.3%
I Ishares Inc	Trimmed	−32,752	−$2.71M	4.4%
VI Vanguard Index Fds	Added	+3,705	+$2.54M	0.5%
SS Schwab Strategic Tr	Trimmed	−59,970	−$2.03M	3.4%
IT Ishares Tr	Trimmed	−21,895	−$1.68M	5.7%
Sandisk Corp	Added	+613	+$1.39M	0.9%

Showing the 10 largest of 113 changes.

Q1 2026

quarter ended March 31, 2026 · filed May 14, 2026

Company	Action	Shares changed	Value of change	% of portfolio
Apple Inc	Added	+21,488	+$5.45M	1.1%
Micron Technology Inc	Added	+12,302	+$4.16M	0.5%
Costco Wholesale Corporation	New	+2,783	+$2.77M	0.3%
Sandisk Corp	New	+4,216	+$2.68M	0.3%
Western Digital Corp	Added	+9,619	+$2.6M	0.3%
IT Ishares Tr	Trimmed	−20,243	−$1.51M	6.4%
VI Vanguard Index Fds	Trimmed	−3,391	−$1.48M	10.8%
Valero Energy Corp	Added	+5,785	+$1.43M	0.2%
IT Ishares Tr	Trimmed	−2,128	−$1.39M	14.5%
VI Vanguard Index Fds	Added	+4,366	+$1.25M	10.6%

Showing the 10 largest of 108 changes.

Q4 2025

quarter ended December 31, 2025 · filed February 06, 2026

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Added	+10,647	+$3.09M	10.7%
VI Vanguard Index Fds	Added	+15,886	+$3.03M	10.0%
Caterpillar Inc	Added	+4,917	+$2.82M	0.4%
IT Ishares Tr	Added	+16,765	+$1.91M	5.3%
DS Dicks Sporting Goods Inc	New	+7,305	+$1.45M	0.1%
Micron Technology Inc	New	+4,610	+$1.32M	0.1%
IT Ishares Tr	Added	+1,789	+$1.23M	15.5%
FM Fidelity Merrimack Str Tr	Added	+24,027	+$1.11M	0.7%
VT Vanguard Tax-managed Fds	Added	+17,515	+$1.09M	5.6%
IT Ishares Tr	Added	+15,290	+$1.09M	6.3%

Showing the 10 largest of 104 changes.

Q3 2025

quarter ended September 30, 2025 · filed October 27, 2025

Company	Action	Shares changed	Value of change	% of portfolio
VI Vanguard Index Fds	Added	+12,164	+$2.27M	9.9%
VI Vanguard Index Fds	Added	+5,983	+$1.76M	11.1%
VI Vanguard Index Fds	Added	+2,476	+$1.19M	12.7%
IT Ishares Tr	Trimmed	−1,475	−$987K	15.8%
IT Ishares Tr	Added	+7,172	+$817K	5.4%
BE Blackrock ETF Trust Ii	Added	+14,403	+$708K	0.8%
FM Fidelity Merrimack Str Tr	Added	+13,746	+$636K	0.6%
PE Pimco ETF Tr	New	+11,836	+$588K	0.1%
VT Vanguard Tax-managed Fds	Added	+8,749	+$524K	5.5%
IB Ishares Bitcoin Trust ETF	Exited	−8,114	−$497K	—

Showing the 10 largest of 90 changes.

Q2 2025

quarter ended June 30, 2025 · filed July 29, 2025

Company	Action	Shares changed	Value of change	% of portfolio
Walmart Inc	New	+29,603	+$2.89M	0.3%
Stellar Bancorp Inc	New	+65,848	+$1.84M	0.2%
Unitedhealth Group Inc	New	+5,262	+$1.64M	0.2%
CN Chevron Corp New	Added	+10,655	+$1.53M	0.3%
Caterpillar Inc	New	+2,794	+$1.08M	0.1%
Johnson & Johnson	New	+6,651	+$1.02M	0.1%
VI Vanguard Index Fds	Added	+2,312	+$1.01M	12.4%
FM Fidelity Merrimack Str Tr	Added	+21,907	+$1M	0.5%
VI Vanguard Index Fds	Added	+5,636	+$996K	9.8%
VI Vanguard Index Fds	Added	+3,214	+$899K	11.2%

Showing the 10 largest of 88 changes.

Q1 2025

quarter ended March 31, 2025 · filed April 30, 2025

Company	Action	Shares changed	Value of change	% of portfolio
BE Blackrock ETF Trust Ii	New	+135,662	+$6.72M	0.8%
VI Vanguard Index Fds	Added	+13,408	+$3.47M	11.4%
VI Vanguard Index Fds	Added	+15,056	+$2.6M	10.6%
IT Ishares Tr	Added	+4,497	+$2.53M	15.9%
VI Vanguard Index Fds	Added	+6,389	+$2.37M	11.6%
IT Ishares Tr	Added	+16,821	+$1.68M	5.6%
VT Vanguard Tax-managed Fds	Added	+27,816	+$1.41M	5.6%
FM Fidelity Merrimack Str Tr	Added	+26,544	+$1.21M	0.5%
I Ishares Inc	Added	+21,222	+$1.15M	4.2%
IT Ishares Tr	Added	+16,487	+$972K	6.4%

Showing the 10 largest of 83 changes.

Q4 2024

quarter ended December 31, 2024 · filed January 28, 2025

Company	Action	Shares changed	Value of change	% of portfolio
SS Schwab Strategic Tr	Added	+924,872	+$25.8M	4.3%
SS Schwab Strategic Tr	Added	+192,316	+$4.46M	0.8%
SS Schwab Strategic Tr	Added	+153,976	+$4.27M	0.8%
IT Ishares Tr	Added	+33,503	+$1.76M	5.7%
VI Vanguard Index Fds	Added	+10,338	+$1.75M	10.3%
VT Vanguard Tax-managed Fds	Added	+33,588	+$1.61M	5.2%
I Ishares Inc	Added	+28,212	+$1.47M	4.0%
IT Ishares Tr	Added	+13,396	+$1.3M	5.3%
VI Vanguard Index Fds	Added	+4,611	+$1.22M	11.5%
FM Fidelity Merrimack Str Tr	Added	+19,301	+$866K	0.3%

Showing the 10 largest of 78 changes.

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