# EDGAR Filing Document

**Accession Number:** 0001963875
**File Stem:** 0001951757-25-001327
**Filing Date:** 2025-11
**Character Count:** 11450
**Document Hash:** de554b64dbce3dedb4c99a0e80785b19
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001327.hdr.sgml**: 20251107

**ACCESSION NUMBER**: 0001951757-25-001327

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251107

**DATE AS OF CHANGE**: 20251107

**EFFECTIVENESS DATE**: 20251107

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HTG Investment Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001963875

**ORGANIZATION NAME:**
- **EIN:** 223248147
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22921
- **FILM NUMBER:** 251460730

**BUSINESS ADDRESS:**
- **STREET 1:** 50 LOCUST AVENUE
- **CITY:** NEW CANAAN
- **STATE:** CT
- **ZIP:** 06840
- **BUSINESS PHONE:** (203) 972-8262

**MAIL ADDRESS:**
- **STREET 1:** 50 LOCUST AVENUE
- **CITY:** NEW CANAAN
- **STATE:** CT
- **ZIP:** 06840

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** HTG Investment Advisors Inc.<br>**Address:** 50 LOCUST AVENUE<br>NEW CANAAN, CT 06840

**Form 13F File Number:** 028-22921

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:** Robin Sherwood<br>**Title:** Chief Compliance Officer<br>**Phone:** (203) 972-8262

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

Robin Sherwood  New Canaan, CT  11-07-2025<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:** 2

**Form 13F Information Table Entry Total:** 75

**Form 13F Information Table Value Total:** $297224961

      (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.]

| No.   | Name    | Form 13F File Number   |
|:---|:---|:---|
|  | Aperio  |  |
|  | Natixis |  |

### 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 |
| ABBVIE INC | COM | 00287Y109 |  | 225520 | 974 | SH |  | DFND | 1 2 | 0 | 48 | 926 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 795678 | 3267 | SH |  | DFND | 2 | 0 | 0 | 3267 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 374617 | 1541 | SH |  | DFND | 1 2 | 0 | 260 | 1281 |
| AMAZON COM INC | COM | 023135106 |  | 817240 | 3722 | SH |  | DFND | 1 2 | 0 | 200 | 3522 |
| AMERICAN CENTY ETF TR | AVANTIS US MID C | 025072125 |  | 248267 | 3568 | SH |  | SOLE |  | 0 | 0 | 3568 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 3351978 | 75359 | SH |  | SOLE |  | 0 | 0 | 75359 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 5319057 | 70817 | SH |  | SOLE |  | 0 | 0 | 70817 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 21833366 | 276722 | SH |  | SOLE |  | 0 | 0 | 276722 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 23051591 | 212066 | SH |  | SOLE |  | 0 | 0 | 212066 |
| APPLE INC | COM | 037833100 |  | 3115765 | 12236 | SH |  | DFND | 1 2 | 0 | 396 | 11840 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 320554 | 638 | SH |  | DFND | 1 | 0 | 20 | 618 |
| BROADCOM INC | COM | 11135F101 |  | 258320 | 783 | SH |  | DFND | 1 2 | 0 | 98 | 685 |
| CBRE GROUP INC | CL A | 12504L109 |  | 19586756 | 124313 | SH |  | DFND | 2 | 0 | 0 | 124313 |
| CHEVRON CORP NEW | COM | 166764100 |  | 750827 | 4835 | SH |  | DFND | 1 2 | 0 | 19 | 4816 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 651671 | 8152 | SH |  | DFND | 1 2 | 0 | 66 | 8086 |
| CONDUENT INC | COM | 206787103 |  | 37727 | 13474 | SH |  | SOLE |  | 0 | 0 | 13474 |
| CRA INTL INC | COM | 12618T105 |  | 2837885 | 13609 | SH |  | SOLE |  | 0 | 0 | 13609 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 8012160 | 175091 | SH |  | SOLE |  | 0 | 0 | 175091 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 4219558 | 58249 | SH |  | SOLE |  | 0 | 0 | 58249 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 3241855 | 47354 | SH |  | SOLE |  | 0 | 0 | 47354 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 358166 | 6153 | SH |  | SOLE |  | 0 | 0 | 6153 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 31248643 | 810180 | SH |  | SOLE |  | 0 | 0 | 810180 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 258913 | 6096 | SH |  | SOLE |  | 0 | 0 | 6096 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 9092294 | 283514 | SH |  | SOLE |  | 0 | 0 | 283514 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 23004316 | 701565 | SH |  | SOLE |  | 0 | 0 | 701565 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 19260008 | 613767 | SH |  | SOLE |  | 0 | 0 | 613767 |
| EMERSON ELEC CO | COM | 291011104 |  | 202089 | 1541 | SH |  | SOLE |  | 0 | 0 | 1541 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 838424 | 7436 | SH |  | DFND | 1 2 | 0 | 46 | 7390 |
| GE AEROSPACE | COM NEW | 369604301 |  | 1138303 | 3784 | SH |  | DFND | 1 2 | 0 | 19 | 3765 |
| GE VERNOVA INC | COM | 36828A101 |  | 589689 | 959 | SH |  | DFND | 1 2 | 0 | 4 | 955 |
| IDEXX LABS INC | COM | 45168D104 |  | 258112 | 404 | SH |  | DFND | 1 2 | 0 | 5 | 399 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 447788 | 1587 | SH |  | DFND | 1 2 | 0 | 12 | 1575 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 420347 | 5721 | SH |  | SOLE |  | 0 | 0 | 5721 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 684376 | 1140 | SH |  | SOLE |  | 0 | 0 | 1140 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 11532359 | 115036 | SH |  | SOLE |  | 0 | 0 | 115036 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 4551274 | 69741 | SH |  | SOLE |  | 0 | 0 | 69741 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1925165 | 4110 | SH |  | SOLE |  | 0 | 0 | 4110 |
| ISHARES TR | 3YRTB ETF | 464288125 |  | 204086 | 2679 | SH |  | SOLE |  | 0 | 0 | 2679 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 1941470 | 41833 | SH |  | SOLE |  | 0 | 0 | 41833 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 4975333 | 98580 | SH |  | SOLE |  | 0 | 0 | 98580 |
| J P MORGAN EXCHANGE TRADED F | HEDGED EQUITY LA | 46654Q724 |  | 16190365 | 249083 | SH |  | SOLE |  | 0 | 0 | 249083 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 306297 | 1652 | SH |  | DFND | 1 2 | 0 | 57 | 1595 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 554526 | 1758 | SH |  | DFND | 1 2 | 0 | 58 | 1700 |
| MICROSOFT CORP | COM | 594918104 |  | 647087 | 1249 | SH |  | DFND | 1 2 | 0 | 168 | 1081 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 665775 | 3568 | SH |  | DFND | 1 2 | 0 | 537 | 3031 |
| ORACLE CORP | COM | 68389X105 |  | 664053 | 2361 | SH |  | DFND | 1 2 | 0 | 27 | 2334 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 201178 | 1240 | SH |  | DFND | 1 | 0 | 37 | 1203 |
| PPG INDS INC | COM | 693506107 |  | 303663 | 2889 | SH |  | DFND | 2 | 0 | 0 | 2889 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 969378 | 6309 | SH |  | DFND | 1 2 | 0 | 85 | 6224 |
| RPM INTL INC | COM | 749685103 |  | 285859 | 2425 | SH |  | SOLE |  | 0 | 0 | 2425 |
| RTX CORPORATION | COM | 75513E101 |  | 308891 | 1846 | SH |  | DFND | 1 2 | 0 | 38 | 1808 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 200126 | 1438 | SH |  | SOLE |  | 0 | 0 | 1438 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 941262 | 3339 | SH |  | SOLE |  | 0 | 0 | 3339 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1183909 | 1777 | SH |  | SOLE |  | 0 | 0 | 1777 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 275912 | 1970 | SH |  | SOLE |  | 0 | 0 | 1970 |
| TKO GROUP HOLDINGS INC | CL A | 87256C101 |  | 263710 | 1306 | SH |  | SOLE |  | 0 | 0 | 1306 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 16840477 | 213414 | SH |  | SOLE |  | 0 | 0 | 213414 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 3513908 | 47249 | SH |  | SOLE |  | 0 | 0 | 47249 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 5201354 | 104037 | SH |  | SOLE |  | 0 | 0 | 104037 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2383995 | 3893 | SH |  | SOLE |  | 0 | 0 | 3893 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 320188 | 1834 | SH |  | SOLE |  | 0 | 0 | 1834 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 319883 | 1089 | SH |  | SOLE |  | 0 | 0 | 1089 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 7883829 | 16438 | SH |  | SOLE |  | 0 | 0 | 16438 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 12469523 | 66864 | SH |  | SOLE |  | 0 | 0 | 66864 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3272353 | 9972 | SH |  | SOLE |  | 0 | 0 | 9972 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 2427946 | 17619 | SH |  | SOLE |  | 0 | 0 | 17619 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 439140 | 6153 | SH |  | SOLE |  | 0 | 0 | 6153 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 740839 | 13674 | SH |  | SOLE |  | 0 | 0 | 13674 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 259510 | 3252 | SH |  | SOLE |  | 0 | 0 | 3252 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2402950 | 47461 | SH |  | SOLE |  | 0 | 0 | 47461 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1314289 | 16443 | SH |  | SOLE |  | 0 | 0 | 16443 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 249965 | 1158 | SH |  | SOLE |  | 0 | 0 | 1158 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 269451 | 3668 | SH |  | SOLE |  | 0 | 0 | 3668 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 701089 | 11700 | SH |  | SOLE |  | 0 | 0 | 11700 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 270734 | 363 | SH |  | SOLE |  | 0 | 0 | 363 |

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