# EDGAR Filing Document

**Accession Number:** 0001683754
**File Stem:** 0001683754-25-000007
**Filing Date:** 2025-10
**Character Count:** 15658
**Document Hash:** ed7b2c6761a65cba4956820c7d85bf79
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001683754-25-000007.hdr.sgml**: 20251010

**ACCESSION NUMBER**: 0001683754-25-000007

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251010

**DATE AS OF CHANGE**: 20251010

**EFFECTIVENESS DATE**: 20251010

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FC Advisory LLC
- **CENTRAL INDEX KEY:** 0001683754

**ORGANIZATION NAME:**
- **EIN:** 464883229
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-17541
- **FILM NUMBER:** 251386995

**BUSINESS ADDRESS:**
- **STREET 1:** 940 E BOOT ROAD
- **STREET 2:** SUITE 101
- **CITY:** WEST CHESTER
- **STATE:** PA
- **ZIP:** 19380
- **BUSINESS PHONE:** 4848870452

**MAIL ADDRESS:**
- **STREET 1:** 940 E BOOT ROAD
- **STREET 2:** SUITE 101
- **CITY:** WEST CHESTER
- **STATE:** PA
- **ZIP:** 19380

### 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:** FC Advisory LLC<br>**Address:** 940 E BOOT ROAD<br>SUITE 101<br>WEST CHESTER, PA 19380

**Form 13F File Number:** 028-17541

**CRD Number (if applicable):** 000170478

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:** Becky Mulhern<br>**Title:** Chief Compliance Officer<br>**Phone:** 4848870452

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

Becky Mulhern  West Chester, PA  10-10-2025<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:** 116

**Form 13F Information Table Value Total:** $341867259

      (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 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 37798683 | 93928 | SH |  | SOLE |  | 0 | 0 | 93928 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 28612337 | 400901 | SH |  | SOLE |  | 0 | 0 | 400901 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 27343748 | 130619 | SH |  | SOLE |  | 0 | 0 | 130619 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 18940343 | 39491 | SH |  | SOLE |  | 0 | 0 | 39491 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 14027683 | 139927 | SH |  | SOLE |  | 0 | 0 | 139927 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 13002601 | 190990 | SH |  | SOLE |  | 0 | 0 | 190990 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 12770284 | 163533 | SH |  | SOLE |  | 0 | 0 | 163533 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 12309130 | 41359 | SH |  | SOLE |  | 0 | 0 | 41359 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 10855863 | 118747 | SH |  | SOLE |  | 0 | 0 | 118747 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 10474879 | 277260 | SH |  | SOLE |  | 0 | 0 | 277260 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 9721875 | 196560 | SH |  | SOLE |  | 0 | 0 | 196560 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 8412928 | 312168 | SH |  | SOLE |  | 0 | 0 | 312168 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 7695264 | 23449 | SH |  | SOLE |  | 0 | 0 | 23449 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 7681711 | 93021 | SH |  | SOLE |  | 0 | 0 | 93021 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 7582190 | 148423 | SH |  | SOLE |  | 0 | 0 | 148423 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 5547153 | 92576 | SH |  | SOLE |  | 0 | 0 | 92576 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 5318492 | 81497 | SH |  | SOLE |  | 0 | 0 | 81497 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 4730632 | 15366 | SH |  | SOLE |  | 0 | 0 | 15366 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 4463183 | 21922 | SH |  | SOLE |  | 0 | 0 | 21922 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 3786547 | 80633 | SH |  | SOLE |  | 0 | 0 | 80633 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 3511419 | 110041 | SH |  | SOLE |  | 0 | 0 | 110041 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 3070116 | 5114 | SH |  | SOLE |  | 0 | 0 | 5114 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 3001272 | 64253 | SH |  | SOLE |  | 0 | 0 | 64253 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 2914000 | 23797 | SH |  | SOLE |  | 0 | 0 | 23797 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 2892331 | 36654 | SH |  | SOLE |  | 0 | 0 | 36654 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 2551775 | 49810 | SH |  | SOLE |  | 0 | 0 | 49810 |
| ISHARES TR | LARGE CAP MAX BU | 46438G471 |  | 2540309 | 96151 | SH |  | SOLE |  | 0 | 0 | 96151 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 2491395 | 23332 | SH |  | SOLE |  | 0 | 0 | 23332 |
| APPLE INC | COM | 037833100 |  | 2489478 | 9777 | SH |  | SOLE |  | 0 | 0 | 9777 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 2436831 | 11293 | SH |  | SOLE |  | 0 | 0 | 11293 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 2370845 | 29573 | SH |  | SOLE |  | 0 | 0 | 29573 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2310706 | 31070 | SH |  | SOLE |  | 0 | 0 | 31070 |
| ISHARES TR | LARGE CAP MAX BU | 46438G612 |  | 2177748 | 77640 | SH |  | SOLE |  | 0 | 0 | 77640 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 2008639 | 93122 | SH |  | SOLE |  | 0 | 0 | 93122 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1670371 | 15686 | SH |  | SOLE |  | 0 | 0 | 15686 |
| ISHARES TR | LARGE CAP MAX BU | 46438G455 |  | 1664795 | 63712 | SH |  | SOLE |  | 0 | 0 | 63712 |
| SPDR SERIES TRUST | NUVEEN ICE SHORT | 78468R739 |  | 1636000 | 33928 | SH |  | SOLE |  | 0 | 0 | 33928 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 1624157 | 33255 | SH |  | SOLE |  | 0 | 0 | 33255 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 1545515 | 5261 | SH |  | SOLE |  | 0 | 0 | 5261 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1462334 | 26990 | SH |  | SOLE |  | 0 | 0 | 26990 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 1457303 | 46088 | SH |  | SOLE |  | 0 | 0 | 46088 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 1345139 | 64268 | SH |  | SOLE |  | 0 | 0 | 64268 |
| SPDR SERIES TRUST | NUVEEN ICE HIGH | 78464A284 |  | 1273998 | 51103 | SH |  | SOLE |  | 0 | 0 | 51103 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45784N858 |  | 1199825 | 47499 | SH |  | SOLE |  | 0 | 0 | 47499 |
| CHUBB LIMITED | COM | H1467J104 |  | 1118839 | 3964 | SH |  | SOLE |  | 0 | 0 | 3964 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1090919 | 21547 | SH |  | SOLE |  | 0 | 0 | 21547 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1062208 | 21214 | SH |  | SOLE |  | 0 | 0 | 21214 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 1021279 | 9772 | SH |  | SOLE |  | 0 | 0 | 9772 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1015882 | 1659 | SH |  | SOLE |  | 0 | 0 | 1659 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 1002529 | 19723 | SH |  | SOLE |  | 0 | 0 | 19723 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 993915 | 50814 | SH |  | SOLE |  | 0 | 0 | 50814 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 982471 | 5628 | SH |  | SOLE |  | 0 | 0 | 5628 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 959556 | 3774 | SH |  | SOLE |  | 0 | 0 | 3774 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 945541 | 5070 | SH |  | SOLE |  | 0 | 0 | 5070 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 939577 | 6818 | SH |  | SOLE |  | 0 | 0 | 6818 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 916539 | 12477 | SH |  | SOLE |  | 0 | 0 | 12477 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 908269 | 5520 | SH |  | SOLE |  | 0 | 0 | 5520 |
| ISHARES TR | MBS ETF | 464288588 |  | 907734 | 9540 | SH |  | SOLE |  | 0 | 0 | 9540 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 903785 | 10745 | SH |  | SOLE |  | 0 | 0 | 10745 |
| INNOVATOR ETFS TRUST | EQUITY DEFIN 1YR | 45784N700 |  | 822624 | 30949 | SH |  | SOLE |  | 0 | 0 | 30949 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 799027 | 2497 | SH |  | SOLE |  | 0 | 0 | 2497 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 791957 | 5597 | SH |  | SOLE |  | 0 | 0 | 5597 |
| ELI LILLY  CO | COM | 532457108 |  | 791201 | 1037 | SH |  | SOLE |  | 0 | 0 | 1037 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 756734 | 1136 | SH |  | SOLE |  | 0 | 0 | 1136 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 743222 | 22272 | SH |  | SOLE |  | 0 | 0 | 22272 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 701157 | 8772 | SH |  | SOLE |  | 0 | 0 | 8772 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 699814 | 1392 | SH |  | SOLE |  | 0 | 0 | 1392 |
| ISHARES TR | LARGE CAP MAX BU | 46438G588 |  | 695959 | 25988 | SH |  | SOLE |  | 0 | 0 | 25988 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 684847 | 5279 | SH |  | SOLE |  | 0 | 0 | 5279 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 671186 | 4610 | SH |  | SOLE |  | 0 | 0 | 4610 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 608728 | 9099 | SH |  | SOLE |  | 0 | 0 | 9099 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 589978 | 5305 | SH |  | SOLE |  | 0 | 0 | 5305 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 584469 | 1990 | SH |  | SOLE |  | 0 | 0 | 1990 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 567042 | 20771 | SH |  | SOLE |  | 0 | 0 | 20771 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 565101 | 5467 | SH |  | SOLE |  | 0 | 0 | 5467 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45783Y251 |  | 544405 | 18949 | SH |  | SOLE |  | 0 | 0 | 18949 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 516642 | 4348 | SH |  | SOLE |  | 0 | 0 | 4348 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 504186 | 10561 | SH |  | SOLE |  | 0 | 0 | 10561 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 473733 | 7892 | SH |  | SOLE |  | 0 | 0 | 7892 |
| ISHARES TR | INTRM GOV CR ETF | 464288612 |  | 466039 | 4338 | SH |  | SOLE |  | 0 | 0 | 4338 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 464721 | 9130 | SH |  | SOLE |  | 0 | 0 | 9130 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 442263 | 2385 | SH |  | SOLE |  | 0 | 0 | 2385 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 412305 | 2902 | SH |  | SOLE |  | 0 | 0 | 2902 |
| SCHWAB STRATEGIC TR | 5 10YR CORP BD | 808524698 |  | 408445 | 17697 | SH |  | SOLE |  | 0 | 0 | 17697 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45783Y111 |  | 387930 | 14661 | SH |  | SOLE |  | 0 | 0 | 14661 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 385478 | 2066 | SH |  | SOLE |  | 0 | 0 | 2066 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 379175 | 15089 | SH |  | SOLE |  | 0 | 0 | 15089 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45784N106 |  | 372299 | 14054 | SH |  | SOLE |  | 0 | 0 | 14054 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 365792 | 13887 | SH |  | SOLE |  | 0 | 0 | 13887 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 363315 | 6717 | SH |  | SOLE |  | 0 | 0 | 6717 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 356888 | 4088 | SH |  | SOLE |  | 0 | 0 | 4088 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 333410 | 1218 | SH |  | SOLE |  | 0 | 0 | 1218 |
| SPDR INDEX SHS FDS | DJ GLB RL ES ETF | 78463X749 |  | 325016 | 7101 | SH |  | SOLE |  | 0 | 0 | 7101 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 296173 | 1224 | SH |  | SOLE |  | 0 | 0 | 1224 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 295390 | 2028 | SH |  | SOLE |  | 0 | 0 | 2028 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 285348 | 2409 | SH |  | SOLE |  | 0 | 0 | 2409 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 285220 | 2957 | SH |  | SOLE |  | 0 | 0 | 2957 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 284550 | 3048 | SH |  | SOLE |  | 0 | 0 | 3048 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 280008 | 3385 | SH |  | SOLE |  | 0 | 0 | 3385 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45784N809 |  | 273836 | 10374 | SH |  | SOLE |  | 0 | 0 | 10374 |
| INNOVATOR ETFS TRUST | US EQTY ULTRA B | 45782C532 |  | 268782 | 7005 | SH |  | SOLE |  | 0 | 0 | 7005 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 265458 | 13468 | SH |  | SOLE |  | 0 | 0 | 13468 |
| VANECK ETF TRUST | SHRT HGH YLD MUN | 92189F387 |  | 264165 | 11536 | SH |  | SOLE |  | 0 | 0 | 11536 |
| SEMPRA | COM | 816851109 |  | 260302 | 2893 | SH |  | SOLE |  | 0 | 0 | 2893 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 248621 | 5311 | SH |  | SOLE |  | 0 | 0 | 5311 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 248399 | 5172 | SH |  | SOLE |  | 0 | 0 | 5172 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 244968 | 3531 | SH |  | SOLE |  | 0 | 0 | 3531 |
| INNOVATOR ETFS TRUST | US EQTY ULTRA BU | 45782C565 |  | 243592 | 6501 | SH |  | SOLE |  | 0 | 0 | 6501 |
| MICROSOFT CORP | COM | 594918104 |  | 236512 | 457 | SH |  | SOLE |  | 0 | 0 | 457 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 224329 | 3153 | SH |  | SOLE |  | 0 | 0 | 3153 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C730 |  | 222383 | 6061 | SH |  | SOLE |  | 0 | 0 | 6061 |
| CSX CORP | COM | 126408103 |  | 219842 | 6191 | SH |  | SOLE |  | 0 | 0 | 6191 |
| INNOVATOR ETFS TRUST | US EQTY ULTRA B | 45782C649 |  | 218718 | 5656 | SH |  | SOLE |  | 0 | 0 | 5656 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C383 |  | 214588 | 4887 | SH |  | SOLE |  | 0 | 0 | 4887 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 210557 | 2196 | SH |  | SOLE |  | 0 | 0 | 2196 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 209560 | 698 | SH |  | SOLE |  | 0 | 0 | 698 |

---