# EDGAR Filing Document

**Accession Number:** 0002011851
**File Stem:** 0002011851-26-000001
**Filing Date:** 2026-2
**Character Count:** 13447
**Document Hash:** c3994bdbfcb714054b94d2f6206a9553
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002011851-26-000001.hdr.sgml**: 20260213

**ACCESSION NUMBER**: 0002011851-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260213

**DATE AS OF CHANGE**: 20260213

**EFFECTIVENESS DATE**: 20260213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Balanced Rock Investment Advisors LLC
- **CENTRAL INDEX KEY:** 0002011851

**ORGANIZATION NAME:**
- **EIN:** 450893366
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23765
- **FILM NUMBER:** 26631528

**BUSINESS ADDRESS:**
- **STREET 1:** 4238 WASHINGTON ST
- **STREET 2:** STE 311
- **CITY:** ROSLINDALE
- **STATE:** MA
- **ZIP:** 02131
- **BUSINESS PHONE:** 6179718323

**MAIL ADDRESS:**
- **STREET 1:** 4238 WASHINGTON ST
- **STREET 2:** STE 311
- **CITY:** ROSLINDALE
- **STATE:** MA
- **ZIP:** 02131

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Balanced Rock Investment Advisor
- **DATE OF NAME CHANGE:** 20240213

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Balanced Rock Investment Advisors LLC<br>**Address:** 4238 WASHINGTON ST<br>STE 311<br>ROSLINDALE, MA 02131

**Form 13F File Number:** 028-23765

**CRD Number (if applicable):** 000157424

**SEC File Number (if applicable):** 801-128479

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:** Thomas Higgins<br>**Title:** Chief Compliance Officer<br>**Phone:** 6179718753

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

Thomas Higgins  Roslindale, MA  02-13-2026<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:** 92

**Form 13F Information Table Value Total:** $140699983

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 687150 | 2195 | SH |  | SOLE | 0 | 0 | 0 | 2195 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 255565 | 814 | SH |  | SOLE | 0 | 0 | 0 | 814 |
| ANHEUSER BUSCH INBEV SA/NV | SPONSORED ADR | 03524A108 |  | 588207 | 9185 | SH |  | SOLE | 0 | 0 | 0 | 9185 |
| APPLE INC | COM | 037833100 |  | 652222 | 2399 | SH |  | SOLE | 0 | 0 | 0 | 2399 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 401115 | 798 | SH |  | SOLE | 0 | 0 | 0 | 798 |
| BLACKROCK INC | COM | 09290D101 |  | 234404 | 219 | SH |  | SOLE | 0 | 0 | 0 | 219 |
| BROOKFIELD RENEWABLE CORP | CL A  EX SUB VTG | 11285B108 |  | 476221 | 12421 | SH |  | SOLE | 0 | 0 | 0 | 12421 |
| CITIGROUP INC | COM NEW | 172967424 |  | 701890 | 6015 | SH |  | SOLE | 0 | 0 | 0 | 6015 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 368843 | 12340 | SH |  | SOLE | 0 | 0 | 0 | 12340 |
| CRITEO S A | SPONS ADS | 226718104 |  | 420320 | 20394 | SH |  | SOLE | 0 | 0 | 0 | 20394 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 1033886 | 27129 | SH |  | SOLE | 0 | 0 | 0 | 27129 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 9213175 | 215035 | SH |  | SOLE | 0 | 0 | 0 | 215035 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 3716981 | 89609 | SH |  | SOLE | 0 | 0 | 0 | 89609 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 1278883 | 29447 | SH |  | SOLE | 0 | 0 | 0 | 29447 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 4522972 | 171195 | SH |  | SOLE | 0 | 0 | 0 | 171195 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 605379 | 18587 | SH |  | SOLE | 0 | 0 | 0 | 18587 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 2474310 | 59543 | SH |  | SOLE | 0 | 0 | 0 | 59543 |
| ELI LILLY  CO | COM | 532457108 |  | 328852 | 306 | SH |  | SOLE | 0 | 0 | 0 | 306 |
| FIDELITY COVINGTON TRUST | SML MID MLTFCT | 316092527 |  | 430974 | 9766 | SH |  | SOLE | 0 | 0 | 0 | 9766 |
| FIRST TR EXCH TRADED FD III | INSTL PFD SECS | 33739P855 |  | 524790 | 27065 | SH |  | SOLE | 0 | 0 | 0 | 27065 |
| GENERAL MTRS CO | COM | 37045V100 |  | 762419 | 9376 | SH |  | SOLE | 0 | 0 | 0 | 9376 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 616020 | 5019 | SH |  | SOLE | 0 | 0 | 0 | 5019 |
| GLOBAL PMTS INC | COM | 37940X102 |  | 338470 | 4373 | SH |  | SOLE | 0 | 0 | 0 | 4373 |
| INVESCO EXCH TRADED FD TR II | S GBL WATER | 46138E263 |  | 703333 | 11162 | SH |  | SOLE | 0 | 0 | 0 | 11162 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 4973488 | 66269 | SH |  | SOLE | 0 | 0 | 0 | 66269 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 212249 | 346 | SH |  | SOLE | 0 | 0 | 0 | 346 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 271300 | 4036 | SH |  | SOLE | 0 | 0 | 0 | 4036 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 1173634 | 26571 | SH |  | SOLE | 0 | 0 | 0 | 26571 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 4275884 | 44967 | SH |  | SOLE | 0 | 0 | 0 | 44967 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 577442 | 7001 | SH |  | SOLE | 0 | 0 | 0 | 7001 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 336664 | 12332 | SH |  | SOLE | 0 | 0 | 0 | 12332 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 5286084 | 35482 | SH |  | SOLE | 0 | 0 | 0 | 35482 |
| ISHARES TR | HIGH YLD SYSTM B | 46435G250 |  | 335948 | 7095 | SH |  | SOLE | 0 | 0 | 0 | 7095 |
| ISHARES TR | ESG ADVNCD HY BD | 46435G441 |  | 3347261 | 70831 | SH |  | SOLE | 0 | 0 | 0 | 70831 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 965456 | 20997 | SH |  | SOLE | 0 | 0 | 0 | 20997 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 314248 | 3513 | SH |  | SOLE | 0 | 0 | 0 | 3513 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 765463 | 46589 | SH |  | SOLE | 0 | 0 | 0 | 46589 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 355418 | 3331 | SH |  | SOLE | 0 | 0 | 0 | 3331 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 530762 | 5314 | SH |  | SOLE | 0 | 0 | 0 | 5314 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 321469 | 2307 | SH |  | SOLE | 0 | 0 | 0 | 2307 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 2601871 | 54376 | SH |  | SOLE | 0 | 0 | 0 | 54376 |
| ISHARES TR | EGSADVNCDMSCI EM | 46436E742 |  | 2088639 | 44886 | SH |  | SOLE | 0 | 0 | 0 | 44886 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 5907237 | 102592 | SH |  | SOLE | 0 | 0 | 0 | 102592 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 4661724 | 62024 | SH |  | SOLE | 0 | 0 | 0 | 62024 |
| ISHARES TR | ESG ADVANCED UNI | 46436E619 |  | 3134931 | 71394 | SH |  | SOLE | 0 | 0 | 0 | 71394 |
| ISHARES TR | ESG SELECT SCREE | 46436E544 |  | 379458 | 8912 | SH |  | SOLE | 0 | 0 | 0 | 8912 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 1551230 | 34742 | SH |  | SOLE | 0 | 0 | 0 | 34742 |
| J P MORGAN EXCHANGE TRADED F | INFLATION MANAGE | 46654Q104 |  | 2489399 | 51658 | SH |  | SOLE | 0 | 0 | 0 | 51658 |
| J P MORGAN EXCHANGE TRADED F | INTL BD OPP ETF | 46641Q852 |  | 1337984 | 27474 | SH |  | SOLE | 0 | 0 | 0 | 27474 |
| JANUS DETROIT STR TR | HENDERSN SML ETF | 47103U209 |  | 614473 | 7534 | SH |  | SOLE | 0 | 0 | 0 | 7534 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 322842 | 1560 | SH |  | SOLE | 0 | 0 | 0 | 1560 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 393270 | 1221 | SH |  | SOLE | 0 | 0 | 0 | 1221 |
| LINDBLAD EXPEDITIONS HLDGS I | COM | 535219109 |  | 183855 | 12750 | SH |  | SOLE | 0 | 0 | 0 | 12750 |
| MANAGER DIRECTED PORTFOLIOS | VERT GLB SUST RE | 56170L695 |  | 2651723 | 254973 | SH |  | SOLE | 0 | 0 | 0 | 254973 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 372521 | 3878 | SH |  | SOLE | 0 | 0 | 0 | 3878 |
| MERCADOLIBRE INC | COM | 58733R102 |  | 386738 | 192 | SH |  | SOLE | 0 | 0 | 0 | 192 |
| MICROSOFT CORP | COM | 594918104 |  | 510721 | 1056 | SH |  | SOLE | 0 | 0 | 0 | 1056 |
| MORGAN STANLEY ETF TRUST | EATON VANCE TOTA | 61774R841 |  | 7569058 | 146972 | SH |  | SOLE | 0 | 0 | 0 | 146972 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 399573 | 8949 | SH |  | SOLE | 0 | 0 | 0 | 8949 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 2598709 | 57685 | SH |  | SOLE | 0 | 0 | 0 | 57685 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 318356 | 1707 | SH |  | SOLE | 0 | 0 | 0 | 1707 |
| PAGSEGURO DIGITAL LTD | COM CL A | G68707101 |  | 581041 | 60274 | SH |  | SOLE | 0 | 0 | 0 | 60274 |
| PIMCO EQUITY SER | RAFI ESG US | 72201T342 |  | 6203090 | 147728 | SH |  | SOLE | 0 | 0 | 0 | 147728 |
| PIMCO ETF TR | 15+ YR US TIPS | 72201R304 |  | 3070017 | 59324 | SH |  | SOLE | 0 | 0 | 0 | 59324 |
| SALESFORCE INC | COM | 79466L302 |  | 398703 | 1505 | SH |  | SOLE | 0 | 0 | 0 | 1505 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 487851 | 18129 | SH |  | SOLE | 0 | 0 | 0 | 18129 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 1696458 | 69613 | SH |  | SOLE | 0 | 0 | 0 | 69613 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 460977 | 676 | SH |  | SOLE | 0 | 0 | 0 | 676 |
| SYNOVUS FINL CORP | COM NEW | 87161C501 |  | 218068 | 4357 | SH |  | SOLE | 0 | 0 | 0 | 4357 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 1367407 | 14516 | SH |  | SOLE | 0 | 0 | 0 | 14516 |
| VANECK ETF TRUST | IG FLOATING RATE | 92189F486 |  | 484324 | 19008 | SH |  | SOLE | 0 | 0 | 0 | 19008 |
| VANECK ETF TRUST | PREFERRED SECURT | 92189F429 |  | 510851 | 28927 | SH |  | SOLE | 0 | 0 | 0 | 28927 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1259560 | 17005 | SH |  | SOLE | 0 | 0 | 0 | 17005 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2463493 | 50983 | SH |  | SOLE | 0 | 0 | 0 | 50983 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 2444107 | 7764 | SH |  | SOLE | 0 | 0 | 0 | 7764 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 554673 | 2150 | SH |  | SOLE | 0 | 0 | 0 | 2150 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 571782 | 1172 | SH |  | SOLE | 0 | 0 | 0 | 1172 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 724304 | 3792 | SH |  | SOLE | 0 | 0 | 0 | 3792 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1670797 | 5757 | SH |  | SOLE | 0 | 0 | 0 | 5757 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 368807 | 4168 | SH |  | SOLE | 0 | 0 | 0 | 4168 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 507387 | 9438 | SH |  | SOLE | 0 | 0 | 0 | 9438 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 342779 | 7478 | SH |  | SOLE | 0 | 0 | 0 | 7478 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2248953 | 45470 | SH |  | SOLE | 0 | 0 | 0 | 45470 |
| VANGUARD MUN BD FDS | CORE TAX EXEMPT | 922907712 |  | 3480603 | 46058 | SH |  | SOLE | 0 | 0 | 0 | 46058 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 1857710 | 33292 | SH |  | SOLE | 0 | 0 | 0 | 33292 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1870102 | 29936 | SH |  | SOLE | 0 | 0 | 0 | 29936 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 2278644 | 33793 | SH |  | SOLE | 0 | 0 | 0 | 33793 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 1620948 | 3927 | SH |  | SOLE | 0 | 0 | 0 | 3927 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 1348548 | 11149 | SH |  | SOLE | 0 | 0 | 0 | 11149 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 3308995 | 46202 | SH |  | SOLE | 0 | 0 | 0 | 46202 |
| VEEVA SYS INC | CL A COM | 922475108 |  | 231490 | 1037 | SH |  | SOLE | 0 | 0 | 0 | 1037 |
| WOODSIDE ENERGY GROUP LTD | SPONSORED ADR | 980228308 |  | 214051 | 13730 | SH |  | SOLE | 0 | 0 | 0 | 13730 |

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