# EDGAR Filing Document

**Accession Number:** 0001683754
**File Stem:** 0001683754-23-000001
**Filing Date:** 2023-1
**Character Count:** 12426
**Document Hash:** cc2fd058ade5b6db91736635d4cc7af2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001683754-23-000001.hdr.sgml**: 20230110

**ACCESSION NUMBER**: 0001683754-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230110

**DATE AS OF CHANGE**: 20230110

**EFFECTIVENESS DATE**: 20230110

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FC Advisory LLC
- **CENTRAL INDEX KEY:** 0001683754
- **IRS NUMBER:** 464883229
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-17541
- **FILM NUMBER:** 23520554

**BUSINESS ADDRESS:**
- **STREET 1:** 940 E BOOT ROAD
- **STREET 2:** SUITE 101
- **CITY:** WEST CHESTER
- **STATE:** PA
- **ZIP:** 19380
- **BUSINESS PHONE:** 4848870452

**MAIL ADDRESS:**
- **STREET 1:** 940 E BOOT ROAD
- **STREET 2:** SUITE 101
- **CITY:** WEST CHESTER
- **STATE:** PA
- **ZIP:** 19380

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** FC Advisory LLC<br>**Address:** 940 E BOOT ROAD<br>SUITE 101<br>WEST CHESTER, PA 19380

**Form 13F File Number:** 028-17541

**CRD Number (if applicable):** 000170478

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Becky Mulhern<br>**Title:** Compliance Coordinator<br>**Phone:** 4848870452

**Signature, Place, and Date of Signing:**

Becky Mulhern  West Chester, PA  01-10-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 85

**Form 13F Information Table Value Total:** $211541854

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 19692678 | 114446 | SH |  | SOLE |  | 0 | 0 | 114446 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 18472670 | 368422 | SH |  | SOLE |  | 0 | 0 | 368422 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 16598899 | 124935 | SH |  | SOLE |  | 0 | 0 | 124935 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 11498437 | 118553 | SH |  | SOLE |  | 0 | 0 | 118553 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 9689496 | 130375 | SH |  | SOLE |  | 0 | 0 | 130375 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 8770523 | 175410 | SH |  | SOLE |  | 0 | 0 | 175410 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 8374129 | 39295 | SH |  | SOLE |  | 0 | 0 | 39295 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 7916088 | 229252 | SH |  | SOLE |  | 0 | 0 | 229252 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 7692906 | 93270 | SH |  | SOLE |  | 0 | 0 | 93270 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 7398768 | 155993 | SH |  | SOLE |  | 0 | 0 | 155993 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 7353169 | 36667 | SH |  | SOLE |  | 0 | 0 | 36667 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 6244565 | 32662 | SH |  | SOLE |  | 0 | 0 | 32662 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 6205905 | 119828 | SH |  | SOLE |  | 0 | 0 | 119828 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 5458705 | 94311 | SH |  | SOLE |  | 0 | 0 | 94311 |
| SSGA ACTIVE ETF TR | BLACKSTONE SENR | 78467V608 |  | 5296395 | 129496 | SH |  | SOLE |  | 0 | 0 | 129496 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 4269532 | 28154 | SH |  | SOLE |  | 0 | 0 | 28154 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 3611037 | 14928 | SH |  | SOLE |  | 0 | 0 | 14928 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 3428775 | 75325 | SH |  | SOLE |  | 0 | 0 | 75325 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 2881394 | 27642 | SH |  | SOLE |  | 0 | 0 | 27642 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2840573 | 67681 | SH |  | SOLE |  | 0 | 0 | 67681 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 2713863 | 36050 | SH |  | SOLE |  | 0 | 0 | 36050 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2507553 | 34905 | SH |  | SOLE |  | 0 | 0 | 34905 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 2089885 | 46514 | SH |  | SOLE |  | 0 | 0 | 46514 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 2088087 | 43913 | SH |  | SOLE |  | 0 | 0 | 43913 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1759534 | 11587 | SH |  | SOLE |  | 0 | 0 | 11587 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 |  | 1575083 | 33527 | SH |  | SOLE |  | 0 | 0 | 33527 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1512548 | 5680 | SH |  | SOLE |  | 0 | 0 | 5680 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 1349318 | 65724 | SH |  | SOLE |  | 0 | 0 | 65724 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 1341925 | 43954 | SH |  | SOLE |  | 0 | 0 | 43954 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1281116 | 12141 | SH |  | SOLE |  | 0 | 0 | 12141 |
| APPLE INC | COM | 037833100 |  | 1269671 | 9772 | SH |  | SOLE |  | 0 | 0 | 9772 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 1257116 | 22626 | SH |  | SOLE |  | 0 | 0 | 22626 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 1252104 | 64909 | SH |  | SOLE |  | 0 | 0 | 64909 |
| ISHARES TR | MBS ETF | 464288588 |  | 1162022 | 12529 | SH |  | SOLE |  | 0 | 0 | 12529 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 1023430 | 5875 | SH |  | SOLE |  | 0 | 0 | 5875 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 975061 | 20996 | SH |  | SOLE |  | 0 | 0 | 20996 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 950279 | 8928 | SH |  | SOLE |  | 0 | 0 | 8928 |
| CHUBB LIMITED | COM | H1467J104 |  | 874458 | 3964 | SH |  | SOLE |  | 0 | 0 | 3964 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 857334 | 6108 | SH |  | SOLE |  | 0 | 0 | 6108 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 827606 | 7937 | SH |  | SOLE |  | 0 | 0 | 7937 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 746984 | 9935 | SH |  | SOLE |  | 0 | 0 | 9935 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 708927 | 14325 | SH |  | SOLE |  | 0 | 0 | 14325 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 704668 | 3920 | SH |  | SOLE |  | 0 | 0 | 3920 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 674636 | 12051 | SH |  | SOLE |  | 0 | 0 | 12051 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 644886 | 12757 | SH |  | SOLE |  | 0 | 0 | 12757 |
| LILLY ELI  CO | COM | 532457108 |  | 609246 | 1665 | SH |  | SOLE |  | 0 | 0 | 1665 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 593361 | 6884 | SH |  | SOLE |  | 0 | 0 | 6884 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 577444 | 11396 | SH |  | SOLE |  | 0 | 0 | 11396 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 573710 | 5309 | SH |  | SOLE |  | 0 | 0 | 5309 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 559447 | 4137 | SH |  | SOLE |  | 0 | 0 | 4137 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 542015 | 13905 | SH |  | SOLE |  | 0 | 0 | 13905 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 538707 | 11533 | SH |  | SOLE |  | 0 | 0 | 11533 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 517590 | 10008 | SH |  | SOLE |  | 0 | 0 | 10008 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 498389 | 2715 | SH |  | SOLE |  | 0 | 0 | 2715 |
| SPDR INDEX SHS FDS | DJ GLB RL ES ETF | 78463X749 |  | 493664 | 12070 | SH |  | SOLE |  | 0 | 0 | 12070 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 475592 | 6296 | SH |  | SOLE |  | 0 | 0 | 6296 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 459394 | 2601 | SH |  | SOLE |  | 0 | 0 | 2601 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 449793 | 5518 | SH |  | SOLE |  | 0 | 0 | 5518 |
| CSX CORP | COM | 126408103 |  | 446112 | 14400 | SH |  | SOLE |  | 0 | 0 | 14400 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 437094 | 1415 | SH |  | SOLE |  | 0 | 0 | 1415 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 430575 | 5555 | SH |  | SOLE |  | 0 | 0 | 5555 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 416829 | 1943 | SH |  | SOLE |  | 0 | 0 | 1943 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 407612 | 3380 | SH |  | SOLE |  | 0 | 0 | 3380 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 395530 | 9568 | SH |  | SOLE |  | 0 | 0 | 9568 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 391714 | 6424 | SH |  | SOLE |  | 0 | 0 | 6424 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 368663 | 3657 | SH |  | SOLE |  | 0 | 0 | 3657 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 365727 | 7429 | SH |  | SOLE |  | 0 | 0 | 7429 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 362965 | 7331 | SH |  | SOLE |  | 0 | 0 | 7331 |
| ISHARES TR | INTRM GOV CR ETF | 464288612 |  | 355540 | 3470 | SH |  | SOLE |  | 0 | 0 | 3470 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 351259 | 6006 | SH |  | SOLE |  | 0 | 0 | 6006 |
| SCHWAB STRATEGIC TR | 5 10YR CORP BD | 808524698 |  | 346618 | 8042 | SH |  | SOLE |  | 0 | 0 | 8042 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 325168 | 13738 | SH |  | SOLE |  | 0 | 0 | 13738 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 311997 | 6519 | SH |  | SOLE |  | 0 | 0 | 6519 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 308863 | 5342 | SH |  | SOLE |  | 0 | 0 | 5342 |
| SPDR SER TR | NUVEEN BLOOMBERG | 78464A284 |  | 307438 | 6278 | SH |  | SOLE |  | 0 | 0 | 6278 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 300494 | 3175 | SH |  | SOLE |  | 0 | 0 | 3175 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 282466 | 3369 | SH |  | SOLE |  | 0 | 0 | 3369 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 280738 | 6218 | SH |  | SOLE |  | 0 | 0 | 6218 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 251175 | 657 | SH |  | SOLE |  | 0 | 0 | 657 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 250714 | 1438 | SH |  | SOLE |  | 0 | 0 | 1438 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 248277 | 2928 | SH |  | SOLE |  | 0 | 0 | 2928 |
| INNOVATOR ETFS TR | US EQTY ULTRA B | 45782C532 |  | 228492 | 8330 | SH |  | SOLE |  | 0 | 0 | 8330 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2023 CB | 46138J866 |  | 224503 | 10701 | SH |  | SOLE |  | 0 | 0 | 10701 |
| SEMPRA | COM | 816851109 |  | 212792 | 1377 | SH |  | SOLE |  | 0 | 0 | 1377 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 201409 | 988 | SH |  | SOLE |  | 0 | 0 | 988 |

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