# EDGAR Filing Document

**Accession Number:** 0001766909
**File Stem:** 0001766909-23-000001
**Filing Date:** 2023-2
**Character Count:** 11108
**Document Hash:** b00ad36bdcd8f287105c48d05d8657e2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001766909-23-000001.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001766909-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0001766909
- **IRS NUMBER:** 261611090
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19216
- **FILM NUMBER:** 23622687

**BUSINESS ADDRESS:**
- **STREET 1:** 26 ESSEX STREET
- **CITY:** ANDOVER
- **STATE:** MA
- **ZIP:** 01810
- **BUSINESS PHONE:** 9784753242

**MAIL ADDRESS:**
- **STREET 1:** 26 ESSEX STREET
- **CITY:** ANDOVER
- **STATE:** MA
- **ZIP:** 01810

### 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:** Financial Advisors LLC<br>**Address:** 26 ESSEX STREET<br>ANDOVER, MA 01810

**Form 13F File Number:** 028-19216

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:** ROBERT MILLER<br>**Title:** Chief Compliance Officer<br>**Phone:** 978-475-3242

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

ROBERT MILLER  ANDOVER, MA  02-14-2023<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:** 79

**Form 13F Information Table Value Total:** $365965859

      (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 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 75592255 | 1048436 | SH |  | SOLE |  | 0 | 0 | 1048436 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 56394130 | 854198 | SH |  | SOLE |  | 0 | 0 | 854198 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 49934652 | 898752 | SH |  | SOLE |  | 0 | 0 | 898752 |
| ISHARES TR | MSCI ACWI EXUS | 46435G847 |  | 40890730 | 1602804 | SH |  | SOLE |  | 0 | 0 | 1602804 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 37009730 | 324761 | SH |  | SOLE |  | 0 | 0 | 324761 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 36561255 | 902524 | SH |  | SOLE |  | 0 | 0 | 902524 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 5211359 | 61491 | SH |  | SOLE |  | 0 | 0 | 61491 |
| MICROSOFT CORP | COM | 594918104 |  | 4900054 | 20432 | SH |  | SOLE |  | 0 | 0 | 20432 |
| ISHARES TR | MODERT ALLOC ETF | 464289875 |  | 4785573 | 125903 | SH |  | SOLE |  | 0 | 0 | 125903 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 4358284 | 20343 | SH |  | SOLE |  | 0 | 0 | 20343 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 3894236 | 22334 | SH |  | SOLE |  | 0 | 0 | 22334 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 3428780 | 75942 | SH |  | SOLE |  | 0 | 0 | 75942 |
| APPLE INC | COM | 037833100 |  | 3317477 | 25533 | SH |  | SOLE |  | 0 | 0 | 25533 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 2526270 | 22904 | SH |  | SOLE |  | 0 | 0 | 22904 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 2200149 | 81487 | SH |  | SOLE |  | 0 | 0 | 81487 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2193547 | 66714 | SH |  | SOLE |  | 0 | 0 | 66714 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2084412 | 31707 | SH |  | SOLE |  | 0 | 0 | 31707 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1998265 | 22521 | SH |  | SOLE |  | 0 | 0 | 22521 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 1769177 | 18619 | SH |  | SOLE |  | 0 | 0 | 18619 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1696767 | 6372 | SH |  | SOLE |  | 0 | 0 | 6372 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1379990 | 7812 | SH |  | SOLE |  | 0 | 0 | 7812 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 982135 | 6480 | SH |  | SOLE |  | 0 | 0 | 6480 |
| ISHARES TR | CORE S ETF | 464287200 |  | 908657 | 2365 | SH |  | SOLE |  | 0 | 0 | 2365 |
| ANALOG DEVICES INC | COM | 032654105 |  | 868703 | 5296 | SH |  | SOLE |  | 0 | 0 | 5296 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 866376 | 5713 | SH |  | SOLE |  | 0 | 0 | 5713 |
| AMAZON COM INC | COM | 023135106 |  | 857724 | 10211 | SH |  | SOLE |  | 0 | 0 | 10211 |
| ABBVIE INC | COM | 00287Y109 |  | 754395 | 4668 | SH |  | SOLE |  | 0 | 0 | 4668 |
| ISHARES TR | ESG MSCI USA MIN | 46436E445 |  | 721376 | 31751 | SH |  | SOLE |  | 0 | 0 | 31751 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 700546 | 7940 | SH |  | SOLE |  | 0 | 0 | 7940 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 691015 | 17538 | SH |  | SOLE |  | 0 | 0 | 17538 |
| HOME DEPOT INC | COM | 437076102 |  | 618690 | 1959 | SH |  | SOLE |  | 0 | 0 | 1959 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 607996 | 6424 | SH |  | SOLE |  | 0 | 0 | 6424 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 591694 | 5863 | SH |  | SOLE |  | 0 | 0 | 5863 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 546100 | 3151 | SH |  | SOLE |  | 0 | 0 | 3151 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 543910 | 4056 | SH |  | SOLE |  | 0 | 0 | 4056 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 517132 | 2165 | SH |  | SOLE |  | 0 | 0 | 2165 |
| INTEL CORP | COM | 458140100 |  | 510892 | 19330 | SH |  | SOLE |  | 0 | 0 | 19330 |
| LOWES COS INC | COM | 548661107 |  | 509656 | 2558 | SH |  | SOLE |  | 0 | 0 | 2558 |
| CHEVRON CORP NEW | COM | 166764100 |  | 499993 | 2786 | SH |  | SOLE |  | 0 | 0 | 2786 |
| ABBOTT LABS | COM | 002824100 |  | 496910 | 4526 | SH |  | SOLE |  | 0 | 0 | 4526 |
| PEPSICO INC | COM | 713448108 |  | 490817 | 2717 | SH |  | SOLE |  | 0 | 0 | 2717 |
| UNION PAC CORP | COM | 907818108 |  | 485800 | 2346 | SH |  | SOLE |  | 0 | 0 | 2346 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 475277 | 5590 | SH |  | SOLE |  | 0 | 0 | 5590 |
| MCDONALDS CORP | COM | 580135101 |  | 448528 | 1702 | SH |  | SOLE |  | 0 | 0 | 1702 |
| STRYKER CORPORATION | COM | 863667101 |  | 415633 | 1700 | SH |  | SOLE |  | 0 | 0 | 1700 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 396210 | 1128 | SH |  | SOLE |  | 0 | 0 | 1128 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 389027 | 4938 | SH |  | SOLE |  | 0 | 0 | 4938 |
| AT INC | COM | 00206R102 |  | 384296 | 20874 | SH |  | SOLE |  | 0 | 0 | 20874 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 377476 | 1222 | SH |  | SOLE |  | 0 | 0 | 1222 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 350964 | 4878 | SH |  | SOLE |  | 0 | 0 | 4878 |
| CSX CORP | COM | 126408103 |  | 349733 | 11289 | SH |  | SOLE |  | 0 | 0 | 11289 |
| AMGEN INC | COM | 031162100 |  | 326462 | 1243 | SH |  | SOLE |  | 0 | 0 | 1243 |
| MERCK  CO INC | COM | 58933Y105 |  | 315764 | 2846 | SH |  | SOLE |  | 0 | 0 | 2846 |
| BANK AMERICA CORP | COM | 060505104 |  | 289038 | 8727 | SH |  | SOLE |  | 0 | 0 | 8727 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 286635 | 1940 | SH |  | SOLE |  | 0 | 0 | 1940 |
| LAM RESEARCH CORP | COM | 512807108 |  | 273195 | 650 | SH |  | SOLE |  | 0 | 0 | 650 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 267724 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| HONEYWELL INTL INC | COM | 438516106 |  | 258062 | 1204 | SH |  | SOLE |  | 0 | 0 | 1204 |
| COCA COLA CO | COM | 191216100 |  | 253026 | 3978 | SH |  | SOLE |  | 0 | 0 | 3978 |
| PFIZER INC | COM | 717081103 |  | 248247 | 4845 | SH |  | SOLE |  | 0 | 0 | 4845 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 247623 | 2962 | SH |  | SOLE |  | 0 | 0 | 2962 |
| CISCO SYS INC | COM | 17275R102 |  | 246496 | 5174 | SH |  | SOLE |  | 0 | 0 | 5174 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 246477 | 847 | SH |  | SOLE |  | 0 | 0 | 847 |
| ISHARES TR | CONSER ALLOC ETF | 464289883 |  | 238900 | 7108 | SH |  | SOLE |  | 0 | 0 | 7108 |
| 3M CO | COM | 88579Y101 |  | 235643 | 1965 | SH |  | SOLE |  | 0 | 0 | 1965 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 231931 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 231921 | 1766 | SH |  | SOLE |  | 0 | 0 | 1766 |
| CHUBB LIMITED | COM | H1467J104 |  | 231630 | 1050 | SH |  | SOLE |  | 0 | 0 | 1050 |
| WALMART INC | COM | 931142103 |  | 228140 | 1609 | SH |  | SOLE |  | 0 | 0 | 1609 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 225634 | 590 | SH |  | SOLE |  | 0 | 0 | 590 |
| NIKE INC | CL B | 654106103 |  | 220737 | 1886 | SH |  | SOLE |  | 0 | 0 | 1886 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 220031 | 860 | SH |  | SOLE |  | 0 | 0 | 860 |
| STATE STR CORP | COM | 857477103 |  | 218747 | 2820 | SH |  | SOLE |  | 0 | 0 | 2820 |
| EASTGROUP PPTYS INC | COM | 277276101 |  | 218092 | 1473 | SH |  | SOLE |  | 0 | 0 | 1473 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 215421 | 1529 | SH |  | SOLE |  | 0 | 0 | 1529 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 211489 | 1128 | SH |  | SOLE |  | 0 | 0 | 1128 |
| ISHARES TR | MSCI USA SMCP MN | 46435G433 |  | 201686 | 5829 | SH |  | SOLE |  | 0 | 0 | 5829 |
| INNOVATIVE SOLUTIONS  SUPPO | COM | 45769N105 |  | 83844 | 10200 | SH |  | SOLE |  | 0 | 0 | 10200 |
| APPHARVEST INC | COM | 03783T103 |  | 8511 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |

---