# EDGAR Filing Document

**Accession Number:** 0001766909
**File Stem:** 0001951757-25-001314
**Filing Date:** 2025-11
**Character Count:** 11255
**Document Hash:** 2510154b4e220647e116cd9513f78fa8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001314.hdr.sgml**: 20251107

**ACCESSION NUMBER**: 0001951757-25-001314

**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:** Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0001766909

**ORGANIZATION NAME:**
- **EIN:** 261611090
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19216
- **FILM NUMBER:** 251460505

**BUSINESS ADDRESS:**
- **STREET 1:** 26 ESSEX STREET
- **CITY:** ANDOVER
- **STATE:** MA
- **ZIP:** 01810
- **BUSINESS PHONE:** 9784753242

**MAIL ADDRESS:**
- **STREET 1:** 26 ESSEX STREET
- **CITY:** ANDOVER
- **STATE:** MA
- **ZIP:** 01810

### 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 Advisors LLC<br>**Address:** 26 ESSEX STREET<br>ANDOVER, MA 01810

**Form 13F File Number:** 028-19216

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:** Robert Miller<br>**Title:** Chief Compliance Officer<br>**Phone:** (978) 475-3242

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

Robert Miller  Andover, MA  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:** 0

**Form 13F Information Table Entry Total:** 80

**Form 13F Information Table Value Total:** $564330532

      (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 |  | 521830 | 3896 | SH |  | SOLE |  | 0 | 0 | 3896 |
| ABBVIE INC | COM | 00287Y109 |  | 962637 | 4158 | SH |  | SOLE |  | 0 | 0 | 4158 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1609990 | 6623 | SH |  | SOLE |  | 0 | 0 | 6623 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 5585898 | 22935 | SH |  | SOLE |  | 0 | 0 | 22935 |
| AMAZON COM INC | COM | 023135106 |  | 2157934 | 9828 | SH |  | SOLE |  | 0 | 0 | 9828 |
| AMERICAN CENTY ETF TR | AVANTIS RESPON U | 025072281 |  | 706250 | 9600 | SH |  | SOLE |  | 0 | 0 | 9600 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 478310 | 1440 | SH |  | SOLE |  | 0 | 0 | 1440 |
| AMGEN INC | COM | 031162100 |  | 311890 | 1105 | SH |  | SOLE |  | 0 | 0 | 1105 |
| ANALOG DEVICES INC | COM | 032654105 |  | 308368 | 1255 | SH |  | SOLE |  | 0 | 0 | 1255 |
| APPLE INC | COM | 037833100 |  | 6614245 | 25976 | SH |  | SOLE |  | 0 | 0 | 25976 |
| AT INC | COM | 00206R102 |  | 465402 | 16480 | SH |  | SOLE |  | 0 | 0 | 16480 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 600501 | 2046 | SH |  | SOLE |  | 0 | 0 | 2046 |
| BANK AMERICA CORP | COM | 060505104 |  | 415867 | 8061 | SH |  | SOLE |  | 0 | 0 | 8061 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 715399 | 1423 | SH |  | SOLE |  | 0 | 0 | 1423 |
| BROADCOM INC | COM | 11135F101 |  | 524557 | 1590 | SH |  | SOLE |  | 0 | 0 | 1590 |
| CATERPILLAR INC | COM | 149123101 |  | 520094 | 1090 | SH |  | SOLE |  | 0 | 0 | 1090 |
| CHEVRON CORP NEW | COM | 166764100 |  | 348078 | 2241 | SH |  | SOLE |  | 0 | 0 | 2241 |
| CHUBB LIMITED | COM | H1467J104 |  | 287895 | 1020 | SH |  | SOLE |  | 0 | 0 | 1020 |
| CISCO SYS INC | COM | 17275R102 |  | 451266 | 6596 | SH |  | SOLE |  | 0 | 0 | 6596 |
| COCA COLA CO | COM | 191216100 |  | 258717 | 3901 | SH |  | SOLE |  | 0 | 0 | 3901 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 337747 | 4225 | SH |  | SOLE |  | 0 | 0 | 4225 |
| CYBERARK SOFTWARE LTD | SHS | M2682V108 |  | 241575 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| DISNEY WALT CO | COM | 254687106 |  | 235870 | 2060 | SH |  | SOLE |  | 0 | 0 | 2060 |
| EASTGROUP PPTYS INC | COM | 277276101 |  | 249320 | 1473 | SH |  | SOLE |  | 0 | 0 | 1473 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 2356996 | 20905 | SH |  | SOLE |  | 0 | 0 | 20905 |
| GE AEROSPACE | COM NEW | 369604301 |  | 485365 | 1613 | SH |  | SOLE |  | 0 | 0 | 1613 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 214661 | 270 | SH |  | SOLE |  | 0 | 0 | 270 |
| HOME DEPOT INC | COM | 437076102 |  | 1554764 | 3837 | SH |  | SOLE |  | 0 | 0 | 3837 |
| INTEL CORP | COM | 458140100 |  | 271923 | 8105 | SH |  | SOLE |  | 0 | 0 | 8105 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 632321 | 2241 | SH |  | SOLE |  | 0 | 0 | 2241 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1826995 | 3043 | SH |  | SOLE |  | 0 | 0 | 3043 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 1715216 | 14303 | SH |  | SOLE |  | 0 | 0 | 14303 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1854630 | 2771 | SH |  | SOLE |  | 0 | 0 | 2771 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2845072 | 63112 | SH |  | SOLE |  | 0 | 0 | 63112 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 244396 | 2125 | SH |  | SOLE |  | 0 | 0 | 2125 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 7922926 | 16915 | SH |  | SOLE |  | 0 | 0 | 16915 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1776228 | 7341 | SH |  | SOLE |  | 0 | 0 | 7341 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 1014545 | 13395 | SH |  | SOLE |  | 0 | 0 | 13395 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 8210604 | 56392 | SH |  | SOLE |  | 0 | 0 | 56392 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1330868 | 6537 | SH |  | SOLE |  | 0 | 0 | 6537 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 572738 | 8810 | SH |  | SOLE |  | 0 | 0 | 8810 |
| ISHARES TR | ESG OPTIMIZED MS | 46436E445 |  | 751445 | 25773 | SH |  | SOLE |  | 0 | 0 | 25773 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 62683201 | 527503 | SH |  | SOLE |  | 0 | 0 | 527503 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 3411501 | 59527 | SH |  | SOLE |  | 0 | 0 | 59527 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 240727 | 1667 | SH |  | SOLE |  | 0 | 0 | 1667 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 2939775 | 74218 | SH |  | SOLE |  | 0 | 0 | 74218 |
| ISHARES TR | MSCI ACWI EXUS | 46435G847 |  | 63998121 | 1692450 | SH |  | SOLE |  | 0 | 0 | 1692450 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 103357467 | 1086372 | SH |  | SOLE |  | 0 | 0 | 1086372 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 63055352 | 324192 | SH |  | SOLE |  | 0 | 0 | 324192 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2241070 | 24103 | SH |  | SOLE |  | 0 | 0 | 24103 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1312856 | 7080 | SH |  | SOLE |  | 0 | 0 | 7080 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 3616974 | 11467 | SH |  | SOLE |  | 0 | 0 | 11467 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 892042 | 6662 | SH |  | SOLE |  | 0 | 0 | 6662 |
| LOWES COS INC | COM | 548661107 |  | 557908 | 2220 | SH |  | SOLE |  | 0 | 0 | 2220 |
| MCDONALDS CORP | COM | 580135101 |  | 516150 | 1698 | SH |  | SOLE |  | 0 | 0 | 1698 |
| MICROSOFT CORP | COM | 594918104 |  | 7768571 | 14999 | SH |  | SOLE |  | 0 | 0 | 14999 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 907054 | 5706 | SH |  | SOLE |  | 0 | 0 | 5706 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 826045 | 4427 | SH |  | SOLE |  | 0 | 0 | 4427 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 620167 | 818 | SH |  | SOLE |  | 0 | 0 | 818 |
| PEPSICO INC | COM | 713448108 |  | 263215 | 1874 | SH |  | SOLE |  | 0 | 0 | 1874 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 918366 | 5977 | SH |  | SOLE |  | 0 | 0 | 5977 |
| RTX CORPORATION | COM | 75513E101 |  | 937418 | 5602 | SH |  | SOLE |  | 0 | 0 | 5602 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 1753700 | 62857 | SH |  | SOLE |  | 0 | 0 | 62857 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 5294211 | 200995 | SH |  | SOLE |  | 0 | 0 | 200995 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 93843513 | 2940881 | SH |  | SOLE |  | 0 | 0 | 2940881 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 277633 | 10170 | SH |  | SOLE |  | 0 | 0 | 10170 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 76018054 | 2611407 | SH |  | SOLE |  | 0 | 0 | 2611407 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 207756 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| SOUTHERN CO | COM | 842587107 |  | 376912 | 3977 | SH |  | SOLE |  | 0 | 0 | 3977 |
| STATE STR CORP | COM | 857477103 |  | 327148 | 2820 | SH |  | SOLE |  | 0 | 0 | 2820 |
| STRYKER CORPORATION | COM | 863667101 |  | 628439 | 1700 | SH |  | SOLE |  | 0 | 0 | 1700 |
| TESLA INC | COM | 88160R101 |  | 388241 | 873 | SH |  | SOLE |  | 0 | 0 | 873 |
| UNION PAC CORP | COM | 907818108 |  | 540594 | 2287 | SH |  | SOLE |  | 0 | 0 | 2287 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 344666 | 3120 | SH |  | SOLE |  | 0 | 0 | 3120 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 719297 | 1175 | SH |  | SOLE |  | 0 | 0 | 1175 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 204793 | 427 | SH |  | SOLE |  | 0 | 0 | 427 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 206492 | 1465 | SH |  | SOLE |  | 0 | 0 | 1465 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 455444 | 610 | SH |  | SOLE |  | 0 | 0 | 610 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 830671 | 18900 | SH |  | SOLE |  | 0 | 0 | 18900 |
| WALMART INC | COM | 931142103 |  | 357655 | 3470 | SH |  | SOLE |  | 0 | 0 | 3470 |

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