# EDGAR Filing Document

**Accession Number:** 0002017868
**File Stem:** 0002017868-25-000013
**Filing Date:** 2025-10
**Character Count:** 15193
**Document Hash:** 1f61a5fea84baee1a50bc9d7ba8bb652
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002017868-25-000013.hdr.sgml**: 20251027

**ACCESSION NUMBER**: 0002017868-25-000013

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251027

**DATE AS OF CHANGE**: 20251027

**EFFECTIVENESS DATE**: 20251027

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financial Synergies Wealth Advisors, Inc.
- **CENTRAL INDEX KEY:** 0002017868

**ORGANIZATION NAME:**
- **EIN:** 760536705
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24048
- **FILM NUMBER:** 251418859

**BUSINESS ADDRESS:**
- **STREET 1:** 4400 POST OAK PKWY, STE 200
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77027
- **BUSINESS PHONE:** 7136236600

**MAIL ADDRESS:**
- **STREET 1:** 4400 POST OAK PKWY, STE 200
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77027

### 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:** Financial Synergies Wealth Advisors Inc.<br>**Address:** 4400 POST OAK PKWY STE 200<br>HOUSTON, TX 77027

**Form 13F File Number:** 028-24048

**CRD Number (if applicable):** 000105643

**SEC File Number (if applicable):** 801-30106

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:** Barbara Marie Villard<br>**Title:** CCO  Director of Operations<br>**Phone:** 832-706-0070

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

Barbara Marie Villard  Houston, TX  10-27-2025<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:** 0

**Form 13F Information Table Entry Total:** 112

**Form 13F Information Table Value Total:** $987850219

      (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 | CORE S ETF | 464287200 |  | 151552969 | 226435 | SH |  | SOLE |  | 0 | 0 | 226435 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 120381992 | 250994 | SH |  | SOLE |  | 0 | 0 | 250994 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 104846895 | 356933 | SH |  | SOLE |  | 0 | 0 | 356933 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 93074724 | 499076 | SH |  | SOLE |  | 0 | 0 | 499076 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 58927161 | 868748 | SH |  | SOLE |  | 0 | 0 | 868748 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 51892506 | 866030 | SH |  | SOLE |  | 0 | 0 | 866030 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 51308215 | 450546 | SH |  | SOLE |  | 0 | 0 | 450546 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 40681130 | 617129 | SH |  | SOLE |  | 0 | 0 | 617129 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 38929021 | 1219963 | SH |  | SOLE |  | 0 | 0 | 1219963 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 20222590 | 79497 | SH |  | SOLE |  | 0 | 0 | 79497 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 19925958 | 222960 | SH |  | SOLE |  | 0 | 0 | 222960 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 17820053 | 260299 | SH |  | SOLE |  | 0 | 0 | 260299 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 16821177 | 169006 | SH |  | SOLE |  | 0 | 0 | 169006 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 14362656 | 321384 | SH |  | SOLE |  | 0 | 0 | 321384 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 12447504 | 59624 | SH |  | SOLE |  | 0 | 0 | 59624 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 8367294 | 194769 | SH |  | SOLE |  | 0 | 0 | 194769 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528843 |  | 7980817 | 162245 | SH |  | SOLE |  | 0 | 0 | 162245 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 7034347 | 267059 | SH |  | SOLE |  | 0 | 0 | 267059 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 6409772 | 31039 | SH |  | SOLE |  | 0 | 0 | 31039 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 6199888 | 209173 | SH |  | SOLE |  | 0 | 0 | 209173 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 5842104 | 66912 | SH |  | SOLE |  | 0 | 0 | 66912 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 5523562 | 119453 | SH |  | SOLE |  | 0 | 0 | 119453 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 5512679 | 105445 | SH |  | SOLE |  | 0 | 0 | 105445 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 5373614 | 30392 | SH |  | SOLE |  | 0 | 0 | 30392 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5372843 | 99167 | SH |  | SOLE |  | 0 | 0 | 99167 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 5233525 | 46417 | SH |  | SOLE |  | 0 | 0 | 46417 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5163632 | 10766 | SH |  | SOLE |  | 0 | 0 | 10766 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4624243 | 24796 | SH |  | SOLE |  | 0 | 0 | 24796 |
| APPLE INC | COM | 037833100 |  | 4599935 | 18065 | SH |  | SOLE |  | 0 | 0 | 18065 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 4488291 | 15280 | SH |  | SOLE |  | 0 | 0 | 15280 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 4318807 | 80877 | SH |  | SOLE |  | 0 | 0 | 80877 |
| ISHARES TR | CORE S ETF | 464287200 |  | 4280042 | 6395 | SH |  | SOLE |  | 0 | 0 | 6395 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 3458104 | 5191 | SH |  | SOLE |  | 0 | 0 | 5191 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 3098422 | 14801 | SH |  | SOLE |  | 0 | 0 | 14801 |
| WALMART INC | COM | 931142103 |  | 3022336 | 29326 | SH |  | SOLE |  | 0 | 0 | 29326 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 2819885 | 61142 | SH |  | SOLE |  | 0 | 0 | 61142 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2777050 | 29742 | SH |  | SOLE |  | 0 | 0 | 29742 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2560422 | 42731 | SH |  | SOLE |  | 0 | 0 | 42731 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2544128 | 4154 | SH |  | SOLE |  | 0 | 0 | 4154 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 2398591 | 35362 | SH |  | SOLE |  | 0 | 0 | 35362 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 2357689 | 35766 | SH |  | SOLE |  | 0 | 0 | 35766 |
| CHEVRON CORP NEW | COM | 166764100 |  | 2322270 | 14954 | SH |  | SOLE |  | 0 | 0 | 14954 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 2152540 | 41221 | SH |  | SOLE |  | 0 | 0 | 41221 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 2053324 | 18031 | SH |  | SOLE |  | 0 | 0 | 18031 |
| STELLAR BANCORP INC | COM | 858927106 |  | 1997829 | 65848 | SH |  | SOLE |  | 0 | 0 | 65848 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 1961362 | 22125 | SH |  | SOLE |  | 0 | 0 | 22125 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 1883340 | 32354 | SH |  | SOLE |  | 0 | 0 | 32354 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1867312 | 7717 | SH |  | SOLE |  | 0 | 0 | 7717 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1823945 | 5282 | SH |  | SOLE |  | 0 | 0 | 5282 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 1707520 | 64925 | SH |  | SOLE |  | 0 | 0 | 64925 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 1582224 | 19736 | SH |  | SOLE |  | 0 | 0 | 19736 |
| MICROSOFT CORP | COM | 594918104 |  | 1426481 | 2754 | SH |  | SOLE |  | 0 | 0 | 2754 |
| CATERPILLAR INC | COM | 149123101 |  | 1340998 | 2810 | SH |  | SOLE |  | 0 | 0 | 2810 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1268808 | 6800 | SH |  | SOLE |  | 0 | 0 | 6800 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 1254643 | 32529 | SH |  | SOLE |  | 0 | 0 | 32529 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1246796 | 2480 | SH |  | SOLE |  | 0 | 0 | 2480 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1246544 | 6723 | SH |  | SOLE |  | 0 | 0 | 6723 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1093598 | 3332 | SH |  | SOLE |  | 0 | 0 | 3332 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1019516 | 15622 | SH |  | SOLE |  | 0 | 0 | 15622 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 994495 | 1656 | SH |  | SOLE |  | 0 | 0 | 1656 |
| AMAZON COM INC | COM | 023135106 |  | 912432 | 4156 | SH |  | SOLE |  | 0 | 0 | 4156 |
| MCDONALDS CORP | COM | 580135101 |  | 911060 | 2998 | SH |  | SOLE |  | 0 | 0 | 2998 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 846865 | 12370 | SH |  | SOLE |  | 0 | 0 | 12370 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 836899 | 8409 | SH |  | SOLE |  | 0 | 0 | 8409 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 785047 | 16948 | SH |  | SOLE |  | 0 | 0 | 16948 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 723774 | 19911 | SH |  | SOLE |  | 0 | 0 | 19911 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 702525 | 9157 | SH |  | SOLE |  | 0 | 0 | 9157 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 695027 | 9551 | SH |  | SOLE |  | 0 | 0 | 9551 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 671358 | 24063 | SH |  | SOLE |  | 0 | 0 | 24063 |
| APPLE INC | COM | 037833100 |  | 668604 | 2626 | SH |  | SOLE |  | 0 | 0 | 2626 |
| MICROSOFT CORP | COM | 594918104 |  | 661473 | 1277 | SH |  | SOLE |  | 0 | 0 | 1277 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 611976 | 6175 | SH |  | SOLE |  | 0 | 0 | 6175 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 608680 | 26146 | SH |  | SOLE |  | 0 | 0 | 26146 |
| PIMCO ETF TR | MTG BKD SECS ACT | 72201R569 |  | 587751 | 11836 | SH |  | SOLE |  | 0 | 0 | 11836 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 |  | 532296 | 17083 | SH |  | SOLE |  | 0 | 0 | 17083 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 518044 | 2122 | SH |  | SOLE |  | 0 | 0 | 2122 |
| BOEING CO | COM | 097023105 |  | 508496 | 2356 | SH |  | SOLE |  | 0 | 0 | 2356 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 479515 | 4253 | SH |  | SOLE |  | 0 | 0 | 4253 |
| PIMCO ETF TR | PREFERRED AND CP | 72201R619 |  | 470190 | 9077 | SH |  | SOLE |  | 0 | 0 | 9077 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 449012 | 10501 | SH |  | SOLE |  | 0 | 0 | 10501 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 448656 | 6209 | SH |  | SOLE |  | 0 | 0 | 6209 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 443334 | 16831 | SH |  | SOLE |  | 0 | 0 | 16831 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 426123 | 1753 | SH |  | SOLE |  | 0 | 0 | 1753 |
| TESLA INC | COM | 88160R101 |  | 419371 | 943 | SH |  | SOLE |  | 0 | 0 | 943 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 394055 | 15327 | SH |  | SOLE |  | 0 | 0 | 15327 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 390967 | 3239 | SH |  | SOLE |  | 0 | 0 | 3239 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 388878 | 4111 | SH |  | SOLE |  | 0 | 0 | 4111 |
| PIMCO ETF TR | 0-5 HIGH YIELD | 72201R783 |  | 388080 | 4056 | SH |  | SOLE |  | 0 | 0 | 4056 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 376110 | 14013 | SH |  | SOLE |  | 0 | 0 | 14013 |
| UNION PAC CORP | COM | 907818108 |  | 375829 | 1590 | SH |  | SOLE |  | 0 | 0 | 1590 |
| BROADCOM INC | COM | 11135F101 |  | 371727 | 1127 | SH |  | SOLE |  | 0 | 0 | 1127 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 346558 | 1099 | SH |  | SOLE |  | 0 | 0 | 1099 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 322480 | 1047 | SH |  | SOLE |  | 0 | 0 | 1047 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 312510 | 10735 | SH |  | SOLE |  | 0 | 0 | 10735 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 310383 | 1256 | SH |  | SOLE |  | 0 | 0 | 1256 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 306754 | 10349 | SH |  | SOLE |  | 0 | 0 | 10349 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 301830 | 5571 | SH |  | SOLE |  | 0 | 0 | 5571 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 281201 | 1302 | SH |  | SOLE |  | 0 | 0 | 1302 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 274770 | 10065 | SH |  | SOLE |  | 0 | 0 | 10065 |
| CISCO SYS INC | COM | 17275R102 |  | 274471 | 4012 | SH |  | SOLE |  | 0 | 0 | 4012 |
| HOME DEPOT INC | COM | 437076102 |  | 269380 | 665 | SH |  | SOLE |  | 0 | 0 | 665 |
| BLACKSTONE SECD LENDING FD | COMMON STOCK | 09261X102 |  | 264251 | 10136 | SH |  | SOLE |  | 0 | 0 | 10136 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 254667 | 7043 | SH |  | SOLE |  | 0 | 0 | 7043 |
| CHEVRON CORP NEW | COM | 166764100 |  | 252813 | 1628 | SH |  | SOLE |  | 0 | 0 | 1628 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 232580 | 380 | SH |  | SOLE |  | 0 | 0 | 380 |
| VANGUARD MALVERN FDS | CORE-PLUS BD ETF | 922020755 |  | 211213 | 2686 | SH |  | SOLE |  | 0 | 0 | 2686 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 210145 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 207786 | 274 | SH |  | SOLE |  | 0 | 0 | 274 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 205345 | 4441 | SH |  | SOLE |  | 0 | 0 | 4441 |
| FIDELITY COVINGTON TRUST | PFD SECS INCOME | 316092261 |  | 203770 | 9235 | SH |  | SOLE |  | 0 | 0 | 9235 |
| BLACKROCK INC | COM | 09290D101 |  | 202253 | 173 | SH |  | SOLE |  | 0 | 0 | 173 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 200787 | 1307 | SH |  | SOLE |  | 0 | 0 | 1307 |

---