# EDGAR Filing Document

**Accession Number:** 0001802080
**File Stem:** 0001172661-23-000770
**Filing Date:** 2023-2
**Character Count:** 12106
**Document Hash:** 0ec94822cc2f465bb8889709591bcee4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-23-000770.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001172661-23-000770

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TOBIAS FINANCIAL ADVISORS, INC.
- **CENTRAL INDEX KEY:** 0001802080
- **IRS NUMBER:** 591961720
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19737
- **FILM NUMBER:** 23618812

**BUSINESS ADDRESS:**
- **STREET 1:** 1000 S. PINE ISLAND ROAD
- **STREET 2:** SUITE 450
- **CITY:** PLANTATION
- **STATE:** FL
- **ZIP:** 33324
- **BUSINESS PHONE:** 954-424-1660

**MAIL ADDRESS:**
- **STREET 1:** 1000 S. PINE ISLAND ROAD
- **STREET 2:** SUITE 450
- **CITY:** PLANTATION
- **STATE:** FL
- **ZIP:** 33324

### 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:** TOBIAS FINANCIAL ADVISORS INC.<br>**Address:** 1000 S. Pine Island Road<br>Suite 450<br>Plantation, FL 33324

**Form 13F File Number:** 028-19737

**CRD Number (if applicable):** 000104711

**SEC File Number (if applicable):** 801-33972

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:** Edgar Collado<br>**Title:** Chief Compliance Officer<br>**Phone:** 954-424-1660

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

/s/ Edgar Collado  Plantation, FL  02-13-2023<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:** 81

**Form 13F Information Table Value Total:** $304377718

      (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 |
| ALDEYRA THERAPEUTICS INC | COM | 01438T106 |  | 237844 | 34173 | SH |  | SOLE |  | 0 | 0 | 34173 |
| ALPS ETF TR | CLEAN ENERGY | 00162Q460 |  | 866175 | 19041 | SH |  | SOLE |  | 0 | 0 | 19041 |
| AMAZON COM INC | COM | 023135106 |  | 676200 | 8050 | SH |  | SOLE |  | 0 | 0 | 8050 |
| APPLE INC | COM | 037833100 |  | 2268201 | 17457 | SH |  | SOLE |  | 0 | 0 | 17457 |
| ASSURANT INC | COM | 04621X108 |  | 464223 | 3712 | SH |  | SOLE |  | 0 | 0 | 3712 |
| BED BATH  BEYOND INC | COM | 075896100 |  | 40220 | 16024 | SH |  | SOLE |  | 0 | 0 | 16024 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 246502 | 798 | SH |  | SOLE |  | 0 | 0 | 798 |
| BOXED INC | COM | 103174108 |  | 9745 | 50000 | SH |  | SOLE |  | 0 | 0 | 50000 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 884054 | 20115 | SH |  | SOLE |  | 0 | 0 | 20115 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 3972444 | 130672 | SH |  | SOLE |  | 0 | 0 | 130672 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 9514146 | 284174 | SH |  | SOLE |  | 0 | 0 | 284174 |
| ELECTROCORE INC | COM | 28531P103 |  | 39290 | 153000 | SH |  | SOLE |  | 0 | 0 | 153000 |
| EMPIRE ST RLTY TR INC | CL A | 292104106 |  | 95627 | 14188 | SH |  | SOLE |  | 0 | 0 | 14188 |
| FIRST TR EXCHNG TRADED FD VI | TCW UNCONSTRAI | 33740F888 |  | 871681 | 36154 | SH |  | SOLE |  | 0 | 0 | 36154 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 2184188 | 147780 | SH |  | SOLE |  | 0 | 0 | 147780 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 14253242 | 130131 | SH |  | SOLE |  | 0 | 0 | 130131 |
| INVESCO EXCHANGE TRADED FD T | DYNMC LRG GWTH | 46137V746 |  | 1267205 | 21212 | SH |  | SOLE |  | 0 | 0 | 21212 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 1324179 | 28355 | SH |  | SOLE |  | 0 | 0 | 28355 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 5310143 | 38293 | SH |  | SOLE |  | 0 | 0 | 38293 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 7386618 | 34478 | SH |  | SOLE |  | 0 | 0 | 34478 |
| ISHARES TR | AGGRES ALLOC ETF | 464289859 |  | 837693 | 14020 | SH |  | SOLE |  | 0 | 0 | 14020 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 11703109 | 589577 | SH |  | SOLE |  | 0 | 0 | 589577 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 3476462 | 32946 | SH |  | SOLE |  | 0 | 0 | 32946 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 837751 | 14833 | SH |  | SOLE |  | 0 | 0 | 14833 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 4747354 | 125260 | SH |  | SOLE |  | 0 | 0 | 125260 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 4846671 | 44848 | SH |  | SOLE |  | 0 | 0 | 44848 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 4243820 | 19783 | SH |  | SOLE |  | 0 | 0 | 19783 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 4257448 | 40831 | SH |  | SOLE |  | 0 | 0 | 40831 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 17288681 | 533766 | SH |  | SOLE |  | 0 | 0 | 533766 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 2013613 | 13278 | SH |  | SOLE |  | 0 | 0 | 13278 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 653076 | 10595 | SH |  | SOLE |  | 0 | 0 | 10595 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 9686292 | 84997 | SH |  | SOLE |  | 0 | 0 | 84997 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1217528 | 13334 | SH |  | SOLE |  | 0 | 0 | 13334 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 958102 | 20883 | SH |  | SOLE |  | 0 | 0 | 20883 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 4345556 | 74283 | SH |  | SOLE |  | 0 | 0 | 74283 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 2836844 | 19555 | SH |  | SOLE |  | 0 | 0 | 19555 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1392487 | 21214 | SH |  | SOLE |  | 0 | 0 | 21214 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 2417379 | 24924 | SH |  | SOLE |  | 0 | 0 | 24924 |
| ISHARES U S ETF TR | BLACKROCK SHORT | 46431W838 |  | 3647658 | 73364 | SH |  | SOLE |  | 0 | 0 | 73364 |
| J P MORGAN EXCHANGE TRADED F | SHORT DURA CORE | 46641Q274 |  | 5519737 | 120782 | SH |  | SOLE |  | 0 | 0 | 120782 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 1044860 | 20843 | SH |  | SOLE |  | 0 | 0 | 20843 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1077670 | 6101 | SH |  | SOLE |  | 0 | 0 | 6101 |
| KIMCO RLTY CORP | COM | 49446R109 |  | 294049 | 13883 | SH |  | SOLE |  | 0 | 0 | 13883 |
| MANHATTAN BRDG CAP INC | COM | 562803106 |  | 252822 | 47434 | SH |  | SOLE |  | 0 | 0 | 47434 |
| MESOBLAST LTD | SPONS ADR | 590717104 |  | 58200 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| MICROSOFT CORP | COM | 594918104 |  | 495048 | 2064 | SH |  | SOLE |  | 0 | 0 | 2064 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 375516 | 4492 | SH |  | SOLE |  | 0 | 0 | 4492 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 205695 | 377 | SH |  | SOLE |  | 0 | 0 | 377 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 215884 | 1477 | SH |  | SOLE |  | 0 | 0 | 1477 |
| PAVMED INC | COM | 70387R106 |  | 4800 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| PIMCO ETF TR | ENHNCD LW DUR AC | 72201R718 |  | 20378950 | 216199 | SH |  | SOLE |  | 0 | 0 | 216199 |
| SIMON PPTY GROUP INC NEW | COM | 828806109 |  | 381658 | 3249 | SH |  | SOLE |  | 0 | 0 | 3249 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 4518287 | 153631 | SH |  | SOLE |  | 0 | 0 | 153631 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 5363263 | 222912 | SH |  | SOLE |  | 0 | 0 | 222912 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 2259173 | 68543 | SH |  | SOLE |  | 0 | 0 | 68543 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 967374 | 24875 | SH |  | SOLE |  | 0 | 0 | 24875 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 5169982 | 102032 | SH |  | SOLE |  | 0 | 0 | 102032 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 374197 | 5042 | SH |  | SOLE |  | 0 | 0 | 5042 |
| SPDR SER TR | PRTFLO S HI | 78468R788 |  | 3013517 | 76137 | SH |  | SOLE |  | 0 | 0 | 76137 |
| SPDR SER TR | S 600 SMCP GRW | 78464A201 |  | 1627381 | 22527 | SH |  | SOLE |  | 0 | 0 | 22527 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 16855607 | 670736 | SH |  | SOLE |  | 0 | 0 | 670736 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 615984 | 4398 | SH |  | SOLE |  | 0 | 0 | 4398 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 23506639 | 312256 | SH |  | SOLE |  | 0 | 0 | 312256 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 12077639 | 168119 | SH |  | SOLE |  | 0 | 0 | 168119 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 519599 | 2591 | SH |  | SOLE |  | 0 | 0 | 2591 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 3085754 | 21983 | SH |  | SOLE |  | 0 | 0 | 21983 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 17047666 | 79995 | SH |  | SOLE |  | 0 | 0 | 79995 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1806613 | 11377 | SH |  | SOLE |  | 0 | 0 | 11377 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 1281378 | 25556 | SH |  | SOLE |  | 0 | 0 | 25556 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 517535 | 5034 | SH |  | SOLE |  | 0 | 0 | 5034 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 6021678 | 154481 | SH |  | SOLE |  | 0 | 0 | 154481 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 |  | 954190 | 7836 | SH |  | SOLE |  | 0 | 0 | 7836 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 616934 | 8767 | SH |  | SOLE |  | 0 | 0 | 8767 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 2553987 | 16819 | SH |  | SOLE |  | 0 | 0 | 16819 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1159908 | 27637 | SH |  | SOLE |  | 0 | 0 | 27637 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 823153 | 7607 | SH |  | SOLE |  | 0 | 0 | 7607 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 5190185 | 74540 | SH |  | SOLE |  | 0 | 0 | 74540 |
| VISA INC | COM CL A | 92826C839 |  | 322444 | 1552 | SH |  | SOLE |  | 0 | 0 | 1552 |
| VYNE THERAPEUTICS INC | COM | 92941V209 |  | 1650 | 11000 | SH |  | SOLE |  | 0 | 0 | 11000 |
| WISDOMTREE TR | INTL EQUITY FD | 97717W703 |  | 9140056 | 194304 | SH |  | SOLE |  | 0 | 0 | 194304 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 13361605 | 215684 | SH |  | SOLE |  | 0 | 0 | 215684 |

---