# EDGAR Filing Document

**Accession Number:** 0001846236
**File Stem:** 0001846236-25-000009
**Filing Date:** 2025-11
**Character Count:** 13651
**Document Hash:** 41f20ece9ab62d15c6338c595a1dd942
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001846236-25-000009.hdr.sgml**: 20251106

**ACCESSION NUMBER**: 0001846236-25-000009

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251106

**DATE AS OF CHANGE**: 20251106

**EFFECTIVENESS DATE**: 20251106

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** True Link Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0001846236

**ORGANIZATION NAME:**
- **EIN:** 475342429
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20832
- **FILM NUMBER:** 251457176

**BUSINESS ADDRESS:**
- **STREET 1:** 315 MONTGOMERY ST. 10TH FLOOR
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94104
- **BUSINESS PHONE:** (866) 984-8576

**MAIL ADDRESS:**
- **STREET 1:** 315 MONTGOMERY ST. 10TH FLOOR
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94104

### 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:** True Link Financial Advisors LLC<br>**Address:** 315 MONTGOMERY ST. 10TH FLOOR<br>SAN FRANCISCO, CA 94104

**Form 13F File Number:** 028-20832

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:** Scott Parker<br>**Title:** Managing Director<br>**Phone:** 6464183171

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

Scott Parker  Fairfield, CT  11-06-2025<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:** 92

**Form 13F Information Table Value Total:** $1553919602

      (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 |
| AMAZON COM INC COM | Stock | 023135106 |  | 704820 | 3210 | SH |  | SOLE | 0 | 3210 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE CO COM | Stock | 42824C109 |  | 314368 | 12800 | SH |  | SOLE | 0 | 12800 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 631071 | 1923 | SH |  | SOLE | 0 | 1923 | 0 | 0 |
| VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF | ETF | 921946794 |  | 508080 | 6000 | SH |  | SOLE | 0 | 6000 | 0 | 0 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 231551 | 1507 | SH |  | SOLE | 0 | 1507 | 0 | 0 |
| ISHARES ESG AWARE MSCI EAFE ETF | ETF | 46435G516 |  | 348582 | 3749 | SH |  | SOLE | 0 | 3749 | 0 | 0 |
| GLOBAL X S 500 CATHOLIC VALUES CUSTOM ETF | ETF | 37954Y889 |  | 217561 | 2684 | SH |  | SOLE | 0 | 2684 | 0 | 0 |
| ISHARES SHORT-TERM NATIONAL MUNI BOND ETF | ETF | 464288158 |  | 1438327 | 13470 | SH |  | SOLE | 0 | 13470 | 0 | 0 |
| SPDR S 500 ETF TRUST | ETF | 78462F103 |  | 742125 | 1114 | SH |  | SOLE | 0 | 1114 | 0 | 0 |
| ALLSTATE CORP COM | Stock | 020002101 |  | 362759 | 1690 | SH |  | SOLE | 0 | 1690 | 0 | 0 |
| PEPSICO INC COM | Stock | 713448108 |  | 297311 | 2117 | SH |  | SOLE | 0 | 2117 | 0 | 0 |
| ISHARES CALIFORNIA MUNI BOND ETF | ETF | 464288356 |  | 673642 | 11810 | SH |  | SOLE | 0 | 11810 | 0 | 0 |
| OKTA INC CL A | Stock | 679295105 |  | 490595 | 5350 | SH |  | SOLE | 0 | 5350 | 0 | 0 |
| XCEL ENERGY INC COM | Stock | 98389B100 |  | 286794 | 3556 | SH |  | SOLE | 0 | 3556 | 0 | 0 |
| STATE STREET SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF | ETF | 78464A375 |  | 1960793 | 57858 | SH |  | SOLE | 0 | 57453 | 0 | 404 |
| ISHARES ESG AWARE USD CORPORATE BOND ETF | ETF | 46435G193 |  | 211380 | 8972 | SH |  | SOLE | 0 | 8972 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ETF | ETF | 464287614 |  | 5027445 | 10733 | SH |  | SOLE | 0 | 10733 | 0 | 0 |
| ISHARES CORE S SMALL CAP ETF | ETF | 464287804 |  | 421728 | 3549 | SH |  | SOLE | 0 | 3549 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 1258358 | 2503 | SH |  | SOLE | 0 | 2503 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF | ETF | 92206C870 |  | 2380902 | 28307 | SH |  | SOLE | 0 | 28307 | 0 | 0 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 405734 | 1669 | SH |  | SOLE | 0 | 1669 | 0 | 0 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 1203198 | 2323 | SH |  | SOLE | 0 | 2202 | 0 | 121 |
| DTE ENERGY CO COM | Stock | 233331107 |  | 457222 | 3233 | SH |  | SOLE | 0 | 3232 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM TREASURY ETF | ETF | 92206C706 |  | 4288723 | 71443 | SH |  | SOLE | 0 | 71443 | 0 | 0 |
| VANGUARD ESG U.S. STOCK ETF | ETF | 921910733 |  | 296574 | 2504 | SH |  | SOLE | 0 | 2504 | 0 | 0 |
| VANGUARD SHORT-TERM TREASURY ETF | ETF | 92206C102 |  | 212390 | 3609 | SH |  | SOLE | 0 | 3609 | 0 | 0 |
| SCHWAB SHORT-TERM US TREASURY ETF | ETF | 808524862 |  | 1541006 | 63156 | SH |  | SOLE | 0 | 63156 | 0 | 0 |
| SCHWAB INTERMEDIATE-TERM US TREASURY ETF | ETF | 808524854 |  | 1122331 | 44661 | SH |  | SOLE | 0 | 44661 | 0 | 0 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 398047 | 650 | SH |  | SOLE | 0 | 650 | 0 | 0 |
| ISHARES IBONDS DEC 2025 TERM TREASURY ETF | ETF | 46436E866 |  | 1547160 | 66217 | SH |  | SOLE | 0 | 66217 | 0 | 0 |
| ISHARES IBONDS DEC 2026 TERM TREASURY ETF | ETF | 46436E858 |  | 1534506 | 66863 | SH |  | SOLE | 0 | 66863 | 0 | 0 |
| ISHARES 0-3 MONTH TREASURY BOND ETF | ETF | 46436E718 |  | 3205820 | 31835 | SH |  | SOLE | 0 | 31835 | 0 | 0 |
| ISHARES RUSSELL MID-CAP GROWTH ETF | ETF | 464287481 |  | 1152667 | 8094 | SH |  | SOLE | 0 | 8094 | 0 | 0 |
| DIMENSIONAL EMERGING CORE EQUITY MARKET ETF | ETF | 25434V302 |  | 55374549 | 1756250 | SH |  | SOLE | 0 | 1721466 | 0 | 34783 |
| SCHWAB US DIVIDEND EQUITY ETF | ETF | 808524797 |  | 32132888 | 1177029 | SH |  | SOLE | 0 | 1148678 | 0 | 28350 |
| DT MIDSTREAM INC COMMON STOCK | Stock | 23345M107 |  | 260377 | 2303 | SH |  | SOLE | 0 | 2303 | 0 | 0 |
| DIMENSIONAL INTERNATIONAL VALUE ETF | ETF | 25434V807 |  | 51923524 | 1125835 | SH |  | SOLE | 0 | 1094631 | 0 | 31204 |
| VANGUARD VALUE ETF | ETF | 922908744 |  | 2485720 | 13329 | SH |  | SOLE | 0 | 13328 | 0 | 0 |
| DIMENSIONAL CORE FIXED INCOME ETF | ETF | 25434V872 |  | 145945396 | 3413129 | SH |  | SOLE | 0 | 3332001 | 0 | 81128 |
| NUVEEN ESG DIVIDEND ETF | ETF | 67092P813 |  | 396071 | 13606 | SH |  | SOLE | 0 | 13606 | 0 | 0 |
| ISHARES CORE S TOTAL U.S. STOCK MARKET ETF | ETF | 464287150 |  | 155232484 | 1065791 | SH |  | SOLE | 0 | 1040456 | 0 | 25335 |
| BROADCOM INC COM | Stock | 11135F101 |  | 208173 | 631 | SH |  | SOLE | 0 | 631 | 0 | 0 |
| VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF | ETF | 922020805 |  | 68873508 | 1360330 | SH |  | SOLE | 0 | 1329617 | 0 | 30713 |
| ISHARES CORE MSCI EAFE ETF | ETF | 46432F842 |  | 73297407 | 839508 | SH |  | SOLE | 0 | 819171 | 0 | 20336 |
| NVIDIA CORPORATION COM | Stock | 67066G104 |  | 720495 | 3862 | SH |  | SOLE | 0 | 3861 | 0 | 0 |
| ISHARES SHORT TREASURY BOND ETF | ETF | 464288679 |  | 40388552 | 365540 | SH |  | SOLE | 0 | 357720 | 0 | 7820 |
| ABBVIE INC COM | Stock | 00287Y109 |  | 215564 | 931 | SH |  | SOLE | 0 | 931 | 0 | 0 |
| WISDOMTREE INTERNATIONAL MIDCAP DIVIDEND FUND | ETF | 97717W778 |  | 606303 | 7845 | SH |  | SOLE | 0 | 7845 | 0 | 0 |
| ISHARES CORE MSCI EMERGING MARKETS ETF | ETF | 46434G103 |  | 393213 | 5965 | SH |  | SOLE | 0 | 1963 | 0 | 4002 |
| VANGUARD TOTAL BOND MARKET ETF | ETF | 921937835 |  | 436031 | 5863 | SH |  | SOLE | 0 | 5863 | 0 | 0 |
| VANGUARD FTSE ALL-WORLD EX-US INDEX FUND | ETF | 922042775 |  | 2387469 | 33452 | SH |  | SOLE | 0 | 33452 | 0 | 0 |
| ISHARES ESG AWARE MSCI EM ETF | ETF | 46434G863 |  | 223830 | 5155 | SH |  | SOLE | 0 | 5155 | 0 | 0 |
| DIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF | ETF | 25434V633 |  | 663171 | 13310 | SH |  | SOLE | 0 | 13310 | 0 | 0 |
| VANGUARD TOTAL INTERNATIONAL BOND ETF | ETF | 92203J407 |  | 31215178 | 631120 | SH |  | SOLE | 0 | 616356 | 0 | 14763 |
| CAPITAL ONE FINL CORP COM | Stock | 14040H105 |  | 237452 | 1117 | SH |  | SOLE | 0 | 1117 | 0 | 0 |
| WISDOMTREE U.S. LARGECAP DIVIDEND FUND | ETF | 97717W307 |  | 3796510 | 43623 | SH |  | SOLE | 0 | 43623 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM BOND ETF | ETF | 921937819 |  | 378912311 | 4852251 | SH |  | SOLE | 0 | 4737089 | 0 | 115162 |
| WISDOMTREE U.S. MIDCAP DIVIDEND FUND | ETF | 97717W505 |  | 1060958 | 20286 | SH |  | SOLE | 0 | 20286 | 0 | 0 |
| GE VERNOVA INC COM | Stock | 36828A101 |  | 378164 | 615 | SH |  | SOLE | 0 | 615 | 0 | 0 |
| GE AEROSPACE COM NEW | Stock | 369604301 |  | 722269 | 2401 | SH |  | SOLE | 0 | 2401 | 0 | 0 |
| ISHARES MSCI USA QUALITY FACTOR ETF | ETF | 46432F339 |  | 31497525 | 161941 | SH |  | SOLE | 0 | 157455 | 0 | 4486 |
| ISHARES S 500 VALUE ETF | ETF | 464287408 |  | 312450 | 1513 | SH |  | SOLE | 0 | 1513 | 0 | 0 |
| ISHARES S 500 GROWTH ETF | ETF | 464287309 |  | 2542242 | 21059 | SH |  | SOLE | 0 | 21059 | 0 | 0 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 203080722 | 303423 | SH |  | SOLE | 0 | 296442 | 0 | 6980 |
| FLEX LTD ORD | Stock | Y2573F102 |  | 739581 | 12758 | SH |  | SOLE | 0 | 12758 | 0 | 0 |
| WELLS FARGO CO NEW COM | Stock | 949746101 |  | 242827 | 2897 | SH |  | SOLE | 0 | 2897 | 0 | 0 |
| UNION PAC CORP COM | Stock | 907818108 |  | 268516 | 1136 | SH |  | SOLE | 0 | 1136 | 0 | 0 |
| LOCKHEED MARTIN CORP COM | Stock | 539830109 |  | 2510028 | 5028 | SH |  | SOLE | 0 | 5028 | 0 | 0 |
| JPMORGAN CHASE  CO. COM | Stock | 46625H100 |  | 454219 | 1440 | SH |  | SOLE | 0 | 1440 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | ETF | 921943858 |  | 344426 | 5748 | SH |  | SOLE | 0 | 5748 | 0 | 0 |
| STATE STREET SPDR S DIVIDEND ETF | ETF | 78464A763 |  | 210075 | 1500 | SH |  | SOLE | 0 | 1500 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS COM | Stock | 459200101 |  | 522278 | 1851 | SH |  | SOLE | 0 | 1851 | 0 | 0 |
| RTX CORPORATION COM | Stock | 75513E101 |  | 223553 | 1336 | SH |  | SOLE | 0 | 1336 | 0 | 0 |
| VANGUARD FTSE EMERGING MARKETS ETF | ETF | 922042858 |  | 658504 | 12154 | SH |  | SOLE | 0 | 12154 | 0 | 0 |
| MORGAN STANLEY COM NEW | Stock | 617446448 |  | 367516 | 2312 | SH |  | SOLE | 0 | 2312 | 0 | 0 |
| ISHARES MSCI USA VALUE FACTOR ETF | ETF | 46432F388 |  | 1516606 | 12128 | SH |  | SOLE | 0 | 12128 | 0 | 0 |
| HP INC COM | Stock | 40434L105 |  | 348544 | 12800 | SH |  | SOLE | 0 | 12800 | 0 | 0 |
| VANGUARD DIVIDEND APPRECIATION ETF | ETF | 921908844 |  | 29259613 | 135593 | SH |  | SOLE | 0 | 132421 | 0 | 3172 |
| ISHARES ULTRA SHORT DURATION BOND ACTIVE ETF | ETF | 46434V878 |  | 2079177 | 40969 | SH |  | SOLE | 0 | 40969 | 0 | 0 |
| ISHARES CORE MSCI EUROPE ETF | ETF | 46434V738 |  | 8705191 | 127792 | SH |  | SOLE | 0 | 127792 | 0 | 0 |
| KEYSIGHT TECHNOLOGIES INC COM | Stock | 49338L103 |  | 213402 | 1220 | SH |  | SOLE | 0 | 1220 | 0 | 0 |
| VANGUARD LONG-TERM BOND ETF | ETF | 921937793 |  | 779350 | 11000 | SH |  | SOLE | 0 | 11000 | 0 | 0 |
| CIENA CORP COM NEW | Stock | 171779309 |  | 218505 | 1500 | SH |  | SOLE | 0 | 1500 | 0 | 0 |
| VANGUARD SHORT-TERM BOND ETF | ETF | 921937827 |  | 176649973 | 2238626 | SH |  | SOLE | 0 | 2188671 | 0 | 49954 |
| AGILENT TECHNOLOGIES INC COM | Stock | 00846U101 |  | 313174 | 2440 | SH |  | SOLE | 0 | 2440 | 0 | 0 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 255266 | 2264 | SH |  | SOLE | 0 | 2264 | 0 | 0 |
| CARDINAL HEALTH INC COM | Stock | 14149Y108 |  | 235440 | 1500 | SH |  | SOLE | 0 | 1500 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | ETF | 464287507 |  | 481749 | 7382 | SH |  | SOLE | 0 | 7382 | 0 | 0 |
| ISHARES MSCI EAFE ETF | ETF | 464287465 |  | 3273552 | 35060 | SH |  | SOLE | 0 | 35060 | 0 | 0 |
| APPLE INC COM | Stock | 037833100 |  | 772640 | 3034 | SH |  | SOLE | 0 | 2749 | 0 | 285 |
| ISHARES RUSSELL 1000 ETF | ETF | 464287622 |  | 255836 | 700 | SH |  | SOLE | 0 | 700 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE ETF | ETF | 464287598 |  | 225985 | 1110 | SH |  | SOLE | 0 | 1110 | 0 | 0 |

---