# EDGAR Filing Document

**Accession Number:** 0001758543
**File Stem:** 0001758543-26-000001
**Filing Date:** 2026-1
**Character Count:** 14273
**Document Hash:** a2dedea2e827c75cb13a466b02c44d9e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001758543-26-000001.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0001758543-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260120

**EFFECTIVENESS DATE**: 20260121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financial & Tax Architects, LLC
- **CENTRAL INDEX KEY:** 0001758543

**ORGANIZATION NAME:**
- **EIN:** 431841119
- **STATE OF INCORPORATION:** MO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22869
- **FILM NUMBER:** 26544118

**BUSINESS ADDRESS:**
- **STREET 1:** 12412 POWERSCOURT DRIVE, SUITE 25
- **CITY:** ST LOUIS
- **STATE:** MO
- **ZIP:** 63131
- **BUSINESS PHONE:** 314-858-1122

**MAIL ADDRESS:**
- **STREET 1:** 12412 POWERSCOURT DRIVE, SUITE 25
- **CITY:** ST LOUIS
- **STATE:** MO
- **ZIP:** 63131

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Financial & Tax Architects, Inc.
- **DATE OF NAME CHANGE:** 20181108

### 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:** Financial  Tax Architects LLC<br>**Address:** 12412 POWERSCOURT DRIVE SUITE 25<br>ST LOUIS, MO 63131

**Form 13F File Number:** 028-22869

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:** Paul Felsch<br>**Title:** Chief Compliance Officer<br>**Phone:** 3142230373

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

Paul Felsch  St. Louis, MO  01-20-2026<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:** 103

**Form 13F Information Table Value Total:** $445018018

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 7374203 | 58857 | SH |  | SOLE |  | 0 | 0 | 58857 |
| ABBVIE INC | COM | 00287Y109 |  | 8127433 | 35570 | SH |  | SOLE |  | 0 | 0 | 35570 |
| ABRDN BLOOMBERG ALL COMMODITY STRATEGY K-1 FREE | ETF | 003261104 |  | 17327301 | 887215 | SH |  | SOLE |  | 0 | 0 | 887214 |
| ABRDN PHYSICAL GOLD SHARES | ETF | 00326A104 |  | 1617895 | 39384 | SH |  | SOLE |  | 0 | 0 | 39384 |
| ACCESS TREASURY 0-1 YEAR | ETF | 381430529 |  | 3745572 | 37478 | SH |  | SOLE |  | 0 | 0 | 37478 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 251210 | 1173 | SH |  | SOLE |  | 0 | 0 | 1173 |
| ALLEGION PLC | ORD SHS | G0176J109 |  | 722381 | 4537 | SH |  | SOLE |  | 0 | 0 | 4537 |
| ALPHABET INC CAP STK | CL C | 02079K107 |  | 2546145 | 8114 | SH |  | SOLE |  | 0 | 0 | 8113 |
| AMAZON COM INC | COM | 023135106 |  | 2464004 | 10675 | SH |  | SOLE |  | 0 | 0 | 10675 |
| APPLE INC | COM | 037833100 |  | 4644255 | 17083 | SH |  | SOLE |  | 0 | 0 | 17083 |
| ASML HOLDING N V N Y REGISTRY | SHS | N07059210 |  | 2368670 | 2214 | SH |  | SOLE |  | 0 | 0 | 2214 |
| AUTOMATIC DATA PROCESSING INC | COM | 053015103 |  | 6947021 | 27007 | SH |  | SOLE |  | 0 | 0 | 27007 |
| BANK AMERICA CORP | COM | 060505104 |  | 473690 | 8613 | SH |  | SOLE |  | 0 | 0 | 8612 |
| BRITISH AMERN TOB PLC SPONSORED | ADR | 110448107 |  | 860477 | 15197 | SH |  | SOLE |  | 0 | 0 | 15197 |
| BROADCOM INC | COM | 11135F101 |  | 2270224 | 6559 | SH |  | SOLE |  | 0 | 0 | 6559 |
| CATERPILLAR INC | COM | 149123101 |  | 7698492 | 13438 | SH |  | SOLE |  | 0 | 0 | 13438 |
| CHEVRON CORP NEW | COM | 166764100 |  | 7329291 | 48089 | SH |  | SOLE |  | 0 | 0 | 48089 |
| COCA COLA CO | COM | 191216100 |  | 7361396 | 105298 | SH |  | SOLE |  | 0 | 0 | 105298 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 2064583 | 2394 | SH |  | SOLE |  | 0 | 0 | 2394 |
| CVS HEALTH CORP | COM | 126650100 |  | 204550 | 2577 | SH |  | SOLE |  | 0 | 0 | 2577 |
| ECOLAB INC | COM | 278865100 |  | 6656457 | 25356 | SH |  | SOLE |  | 0 | 0 | 25356 |
| EMERSON ELEC CO | COM | 291011104 |  | 468855 | 3533 | SH |  | SOLE |  | 0 | 0 | 3532 |
| ENBRIDGE INC | COM | 29250N105 |  | 795461 | 16631 | SH |  | SOLE |  | 0 | 0 | 16631 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 7633504 | 63433 | SH |  | SOLE |  | 0 | 0 | 63432 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 7615616 | 22621 | SH |  | SOLE |  | 0 | 0 | 22621 |
| IMPERIAL OIL LTD COM NEW | COM | 453038408 |  | 726126 | 8413 | SH |  | SOLE |  | 0 | 0 | 8413 |
| INTERDIGITAL INC | COM | 45867G101 |  | 339393 | 1066 | SH |  | SOLE |  | 0 | 0 | 1066 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 8460675 | 28563 | SH |  | SOLE |  | 0 | 0 | 28563 |
| INVESCO EMERGING MARKETS SOVEREIGN DEBT | ETF | 46138E784 |  | 13974362 | 645169 | SH |  | SOLE |  | 0 | 0 | 645169 |
| Invesco Top QQQ | ETF | 46090A671 |  | 275121 | 7152 | SH |  | SOLE |  | 0 | 0 | 7152 |
| ISHARES 0-5 YEAR TIPS BOND | ETF | 46429B747 |  | 2028960 | 19816 | SH |  | SOLE |  | 0 | 0 | 19816 |
| ISHARES 10-20 YEAR TREASURY BOND | ETF | 464288653 |  | 3405308 | 33494 | SH |  | SOLE |  | 0 | 0 | 33493 |
| ISHARES 7-10 YEAR TREASURY BOND | ETF | 464287440 |  | 18854967 | 196079 | SH |  | SOLE |  | 0 | 0 | 196079 |
| ISHARES BROAD USD HIGH YIELD CORPORATE BOND | ETF | 46435U853 |  | 3567532 | 95401 | SH |  | SOLE |  | 0 | 0 | 95401 |
| ISHARES CORE S 500 | ETF | 464287200 |  | 427941 | 625 | SH |  | SOLE |  | 0 | 0 | 624 |
| ISHARES CORE U.S. AGGREGATE BOND | ETF | 464287226 |  | 11513291 | 115271 | SH |  | SOLE |  | 0 | 0 | 115271 |
| ISHARES CORE U.S. REIT | ETF | 464288521 |  | 18701273 | 328323 | SH |  | SOLE |  | 0 | 0 | 328322 |
| ISHARES GLOBAL CONSUMER STAPLES | ETF | 464288737 |  | 244054 | 3775 | SH |  | SOLE |  | 0 | 0 | 3775 |
| ISHARES GLOBAL INFRASTRUCTURE | ETF | 464288372 |  | 392213 | 6392 | SH |  | SOLE |  | 0 | 0 | 6392 |
| ISHARES GLOBAL UTILITIES | ETF | 464288711 |  | 405046 | 5150 | SH |  | SOLE |  | 0 | 0 | 5150 |
| ISHARES GOLD TRUST | COM | 464285204 |  | 4057932 | 49993 | SH |  | SOLE |  | 0 | 0 | 49993 |
| ISHARES IBOXX $ HIGH YIELD CORPORATE BOND | ETF | 464288513 |  | 3579064 | 44389 | SH |  | SOLE |  | 0 | 0 | 44388 |
| ISHARES MSCI EAFE | ETF | 464287465 |  | 20801807 | 216618 | SH |  | SOLE |  | 0 | 0 | 216617 |
| ISHARES MSCI EMERGING MARKETS | ETF | 464287234 |  | 3239926 | 59220 | SH |  | SOLE |  | 0 | 0 | 59220 |
| ISHARES MSCI SPAIN | ETF | 464286764 |  | 2250796 | 41751 | SH |  | SOLE |  | 0 | 0 | 41751 |
| ISHARES MSCI USA VALUE FACTOR | ETF | 46432F388 |  | 2310327 | 16897 | SH |  | SOLE |  | 0 | 0 | 16897 |
| ISHARES S 500 GROWTH | ETF | 464287309 |  | 3326418 | 26987 | SH |  | SOLE |  | 0 | 0 | 26987 |
| ISHARES TIPS BOND | ETF | 464287176 |  | 4738593 | 43113 | SH |  | SOLE |  | 0 | 0 | 43113 |
| ISHARES U.S. REAL ESTATE | ETF | 464287739 |  | 1061632 | 11307 | SH |  | SOLE |  | 0 | 0 | 11307 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 8243799 | 39835 | SH |  | SOLE |  | 0 | 0 | 39834 |
| LOWES COS INC | COM | 548661107 |  | 7230881 | 29984 | SH |  | SOLE |  | 0 | 0 | 29983 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 385931 | 676 | SH |  | SOLE |  | 0 | 0 | 676 |
| MCDONALDS CORP | COM | 580135101 |  | 7328684 | 23979 | SH |  | SOLE |  | 0 | 0 | 23978 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 7520264 | 78287 | SH |  | SOLE |  | 0 | 0 | 78287 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2270962 | 3440 | SH |  | SOLE |  | 0 | 0 | 3440 |
| MICROSOFT CORP | COM | 594918104 |  | 3928520 | 8123 | SH |  | SOLE |  | 0 | 0 | 8123 |
| NEOS S 500 HIGH INCOME | ETF | 78433H303 |  | 296448 | 5643 | SH |  | SOLE |  | 0 | 0 | 5643 |
| NETFLIX INC | COM | 64110L106 |  | 1914204 | 20416 | SH |  | SOLE |  | 0 | 0 | 20416 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 7571464 | 94313 | SH |  | SOLE |  | 0 | 0 | 94313 |
| NOVARTIS AG SPONSORED | ADR | 66987V109 |  | 910196 | 6602 | SH |  | SOLE |  | 0 | 0 | 6601 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 6515037 | 34933 | SH |  | SOLE |  | 0 | 0 | 34933 |
| PEPSICO INC | COM | 713448108 |  | 7057472 | 49174 | SH |  | SOLE |  | 0 | 0 | 49174 |
| PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND | COM | 72201R783 |  | 3479157 | 36692 | SH |  | SOLE |  | 0 | 0 | 36692 |
| POWERSHARES QQQ TRUST SERIES 1 | COM | 46090E103 |  | 404614 | 659 | SH |  | SOLE |  | 0 | 0 | 658 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 6755863 | 47142 | SH |  | SOLE |  | 0 | 0 | 47141 |
| PROSHARES S 500 DIVIDEND ARISTOCRATS | ETF | 74348A467 |  | 9228152 | 88673 | SH |  | SOLE |  | 0 | 0 | 88672 |
| S GLOBAL INC | COM | 78409V104 |  | 7669546 | 14676 | SH |  | SOLE |  | 0 | 0 | 14676 |
| SCHWAB INTERMEDIATE-TERM US TREASURY | ETF | 808524854 |  | 3456517 | 137820 | SH |  | SOLE |  | 0 | 0 | 137819 |
| SHELL PLC SPON | ADS | 780259305 |  | 243807 | 3318 | SH |  | SOLE |  | 0 | 0 | 3318 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 6595281 | 20354 | SH |  | SOLE |  | 0 | 0 | 20353 |
| SONY GROUP CORP SPONSORED | ADR | 835699307 |  | 730803 | 28547 | SH |  | SOLE |  | 0 | 0 | 28547 |
| SPDR GOLD SHARES | COM | 78463V107 |  | 3714217 | 9372 | SH |  | SOLE |  | 0 | 0 | 9372 |
| SPDR S 500 ETF TRUST | COM | 78462F103 |  | 20728701 | 30398 | SH |  | SOLE |  | 0 | 0 | 30397 |
| STATE STREET CONSUMER DISCRETIONARY SELECT SECTOR SPDR | ETF | 81369Y407 |  | 1185629 | 9929 | SH |  | SOLE |  | 0 | 0 | 9929 |
| STATE STREET ENERGY SELECT SECTOR SPDR | ETF | 81369Y506 |  | 1206521 | 26985 | SH |  | SOLE |  | 0 | 0 | 26985 |
| STATE STREET FINANCIAL SELECT SECTOR SPDR | ETF | 81369Y605 |  | 1246631 | 22761 | SH |  | SOLE |  | 0 | 0 | 22761 |
| STATE STREET HEALTH CARE SELECT SECTOR SPDR | ETF | 81369Y209 |  | 1315102 | 8495 | SH |  | SOLE |  | 0 | 0 | 8495 |
| STATE STREET INDUSTRIAL SELECT SECTOR SPDR | ETF | 81369Y704 |  | 1179081 | 7601 | SH |  | SOLE |  | 0 | 0 | 7601 |
| STATE STREET MATERIALS SELECT SECTOR SPDR | ETF | 81369Y100 |  | 1097026 | 24190 | SH |  | SOLE |  | 0 | 0 | 24190 |
| STATE STREET SPDR BLOOMBERG 1-10 YEAR TIPS | ETF | 78468R861 |  | 1061191 | 55618 | SH |  | SOLE |  | 0 | 0 | 55618 |
| STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL | ETF | 78468R663 |  | 1319072 | 14435 | SH |  | SOLE |  | 0 | 0 | 14435 |
| STATE STREET SPDR PORTFOLIO AGGREGATE BOND | ETF | 78464A649 |  | 1272099 | 49402 | SH |  | SOLE |  | 0 | 0 | 49401 |
| STATE STREET SPDR PORTFOLIO S 500 GROWTH | ETF | 78464A409 |  | 290818 | 2726 | SH |  | SOLE |  | 0 | 0 | 2725 |
| STATE STREET TECHNOLOGY SELECT SECTOR SPDR | ETF | 81369Y803 |  | 1267806 | 8806 | SH |  | SOLE |  | 0 | 0 | 8806 |
| STATE STREET UTILITIES SELECT SECTOR SPDR | ETF | 81369Y886 |  | 1341598 | 31427 | SH |  | SOLE |  | 0 | 0 | 31426 |
| STIFEL FINL CORP | COM | 860630102 |  | 202105 | 1614 | SH |  | SOLE |  | 0 | 0 | 1614 |
| SUN LIFE FINANCIAL INC. | COM | 866796105 |  | 766272 | 12280 | SH |  | SOLE |  | 0 | 0 | 12280 |
| TE CONNECTIVITY PLC | ORD SHS | G87052109 |  | 811301 | 3566 | SH |  | SOLE |  | 0 | 0 | 3566 |
| TESLA INC | COM | 88160R101 |  | 363824 | 809 | SH |  | SOLE |  | 0 | 0 | 809 |
| TORONTO DOMINION BK ONT COM NEW | COM | 891160509 |  | 875401 | 9293 | SH |  | SOLE |  | 0 | 0 | 9293 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 286535 | 868 | SH |  | SOLE |  | 0 | 0 | 868 |
| VANECK MERK GOLD | ETF | 921078101 |  | 864360 | 20838 | SH |  | SOLE |  | 0 | 0 | 20838 |
| VANGUARD COMMUNICATION SERVICES | ETF | 92204A884 |  | 1259771 | 6506 | SH |  | SOLE |  | 0 | 0 | 6506 |
| VANGUARD ENERGY | ETF | 92204A306 |  | 340437 | 2704 | SH |  | SOLE |  | 0 | 0 | 2703 |
| VANGUARD REAL ESTATE | ETF | 922908553 |  | 3407553 | 38508 | SH |  | SOLE |  | 0 | 0 | 38507 |
| VANGUARD RUSSELL 2000 | ETF | 92206C664 |  | 6583895 | 66157 | SH |  | SOLE |  | 0 | 0 | 66156 |
| VANGUARD SHORT-TERM BOND | ETF | 921937827 |  | 363693 | 4615 | SH |  | SOLE |  | 0 | 0 | 4614 |
| VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES | ETF | 922020805 |  | 9079615 | 183575 | SH |  | SOLE |  | 0 | 0 | 183574 |
| VANGUARD TOTAL BOND MARKET | ETF | 921937835 |  | 6162994 | 83205 | SH |  | SOLE |  | 0 | 0 | 83205 |
| VANGUARD TOTAL STOCK MARKET | ETF | 922908769 |  | 26395955 | 78730 | SH |  | SOLE |  | 0 | 0 | 78730 |
| VODAFONE GROUP PLC NEW SPONSORED | ADR | 92857W308 |  | 865585 | 65525 | SH |  | SOLE |  | 0 | 0 | 65525 |
| WALMART INC | COM | 931142103 |  | 8807010 | 79050 | SH |  | SOLE |  | 0 | 0 | 79050 |
| WISDOMTREE INDIA EARNINGS FUND | COM | 97717W422 |  | 1367175 | 29535 | SH |  | SOLE |  | 0 | 0 | 29535 |

---