# EDGAR Filing Document

**Accession Number:** 0001730813
**File Stem:** 0001730813-25-000006
**Filing Date:** 2025-11
**Character Count:** 8484
**Document Hash:** beba96beb28d289ab8156c4503c27e0c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001730813-25-000006.hdr.sgml**: 20251103

**ACCESSION NUMBER**: 0001730813-25-000006

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251103

**DATE AS OF CHANGE**: 20251103

**EFFECTIVENESS DATE**: 20251103

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FINANCIAL LIFE ADVISORS
- **CENTRAL INDEX KEY:** 0001730813

**ORGANIZATION NAME:**
- **EIN:** 200201132
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18655
- **FILM NUMBER:** 251444612

**BUSINESS ADDRESS:**
- **STREET 1:** 14607 SAN PEDRO AVE #190
- **CITY:** SAN ANTONIO
- **STATE:** TX
- **ZIP:** 78232
- **BUSINESS PHONE:** (210) 918-8998

**MAIL ADDRESS:**
- **STREET 1:** 14607 SAN PEDRO AVE #190
- **CITY:** SAN ANTONIO
- **STATE:** TX
- **ZIP:** 78232

### 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 LIFE ADVISORS<br>**Address:** 14607 SAN PEDRO AVE #190<br>SAN ANTONIO, TX 78232

**Form 13F File Number:** 028-18655

**CRD Number (if applicable):** 000128502

**SEC File Number (if applicable):** 801-111024

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:** Nate Morris<br>**Title:** CCO<br>**Phone:** 210-547-4216

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

Nate Morris  Austin, TX  11-03-2025<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:** 47

**Form 13F Information Table Value Total:** $311279002

      (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 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 3748929 | 103191 | SH |  | SOLE |  | 0 | 0 | 103191 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 1225132 | 16673 | SH |  | SOLE |  | 0 | 0 | 16673 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 14036881 | 300511 | SH |  | SOLE |  | 0 | 0 | 300511 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 2375570 | 59974 | SH |  | SOLE |  | 0 | 0 | 59974 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 9606590 | 84357 | SH |  | SOLE |  | 0 | 0 | 84357 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 16218933 | 239111 | SH |  | SOLE |  | 0 | 0 | 239111 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1847594 | 27368 | SH |  | SOLE |  | 0 | 0 | 27368 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 9081667 | 46692 | SH |  | SOLE |  | 0 | 0 | 46692 |
| ISHARES TR | S 100 ETF | 464287101 |  | 8809942 | 26469 | SH |  | SOLE |  | 0 | 0 | 26469 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 44773494 | 370887 | SH |  | SOLE |  | 0 | 0 | 370887 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 35736527 | 173050 | SH |  | SOLE |  | 0 | 0 | 173050 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 18758791 | 316871 | SH |  | SOLE |  | 0 | 0 | 316871 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 10560777 | 53920 | SH |  | SOLE |  | 0 | 0 | 53920 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 32144367 | 1369594 | SH |  | SOLE |  | 0 | 0 | 1369594 |
| SPDR SERIES TRUST | PORTFLI HIGH YLD | 78468R606 |  | 7885118 | 329370 | SH |  | SOLE |  | 0 | 0 | 329370 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 19717086 | 878658 | SH |  | SOLE |  | 0 | 0 | 878658 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5924637 | 109351 | SH |  | SOLE |  | 0 | 0 | 109351 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 13541436 | 238154 | SH |  | SOLE |  | 0 | 0 | 238154 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 3744742 | 70337 | SH |  | SOLE |  | 0 | 0 | 70337 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 930370 | 4446 | SH |  | SOLE |  | 0 | 0 | 4446 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 5832676 | 76294 | SH |  | SOLE |  | 0 | 0 | 76294 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2915832 | 57591 | SH |  | SOLE |  | 0 | 0 | 57591 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 12200799 | 25439 | SH |  | SOLE |  | 0 | 0 | 25439 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 3975758 | 79404 | SH |  | SOLE |  | 0 | 0 | 79404 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 2050222 | 19907 | SH |  | SOLE |  | 0 | 0 | 19907 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 4934427 | 46337 | SH |  | SOLE |  | 0 | 0 | 46337 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 6548037 | 35112 | SH |  | SOLE |  | 0 | 0 | 35112 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 559709 | 5883 | SH |  | SOLE |  | 0 | 0 | 5883 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 1175145 | 22160 | SH |  | SOLE |  | 0 | 0 | 22160 |
| AMAZON COM INC | COM | 023135106 |  | 781230 | 3558 | SH |  | SOLE |  | 0 | 0 | 3558 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 575580 | 864 | SH |  | SOLE |  | 0 | 0 | 864 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 665994 | 892 | SH |  | SOLE |  | 0 | 0 | 892 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 264375 | 3028 | SH |  | SOLE |  | 0 | 0 | 3028 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 275941 | 4186 | SH |  | SOLE |  | 0 | 0 | 4186 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 423912 | 1653 | SH |  | SOLE |  | 0 | 0 | 1653 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1328366 | 22169 | SH |  | SOLE |  | 0 | 0 | 22169 |
| ENCOMPASS HEALTH CORP | COM | 29261A100 |  | 1112306 | 8757 | SH |  | SOLE |  | 0 | 0 | 8757 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 238908 | 728 | SH |  | SOLE |  | 0 | 0 | 728 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 749350 | 14722 | SH |  | SOLE |  | 0 | 0 | 14722 |
| APPLE INC | COM | 037833100 |  | 462663 | 1817 | SH |  | SOLE |  | 0 | 0 | 1817 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 1079930 | 33843 | SH |  | SOLE |  | 0 | 0 | 33843 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 249741 | 2215 | SH |  | SOLE |  | 0 | 0 | 2215 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 265544 | 2844 | SH |  | SOLE |  | 0 | 0 | 2844 |
| ISHARES TR | CORE S ETF | 464287200 |  | 411620 | 615 | SH |  | SOLE |  | 0 | 0 | 615 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 395100 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| SPDR SERIES TRUST | NUVEEN ICE MUNIC | 78468R721 |  | 815931 | 17905 | SH |  | SOLE |  | 0 | 0 | 17905 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 321323 | 3231 | SH |  | SOLE |  | 0 | 0 | 3231 |

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