# EDGAR Filing Document

**Accession Number:** 0001967227
**File Stem:** 0001967227-26-000001
**Filing Date:** 2026-2
**Character Count:** 13592
**Document Hash:** ad95252c11a3162bb9a6687e24d999ef
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001967227-26-000001.hdr.sgml**: 20260204

**ACCESSION NUMBER**: 0001967227-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260204

**DATE AS OF CHANGE**: 20260203

**EFFECTIVENESS DATE**: 20260204

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financial Alternatives, Inc
- **CENTRAL INDEX KEY:** 0001967227

**ORGANIZATION NAME:**
- **EIN:** 912099892
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23157
- **FILM NUMBER:** 26595868

**BUSINESS ADDRESS:**
- **STREET 1:** 7825 FAY AVENUE, SUITE 245
- **CITY:** LA JOLLA
- **STATE:** CA
- **ZIP:** 92037
- **BUSINESS PHONE:** 858-459-8289

**MAIL ADDRESS:**
- **STREET 1:** 7825 FAY AVENUE, SUITE 245
- **CITY:** LA JOLLA
- **STATE:** CA
- **ZIP:** 92037

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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 Alternatives Inc<br>**Address:** 7825 FAY AVENUE SUITE 245<br>LA JOLLA, CA 92037

**Form 13F File Number:** 028-23157

**CRD Number (if applicable):** 000108245

**SEC File Number (if applicable):** 801-57864

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:** Christopher E. Jaccard<br>**Title:** COO<br>**Phone:** 858-459-8289

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

/s/Christopher E. Jaccard  La Jolla, CA  02-03-2026<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:** 87

**Form 13F Information Table Value Total:** $172023336

      (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 |
| ADOBE INC | COM | 00724F101 | BBG001S5NCQ5 | 302742 | 865 | SH |  | SOLE |  | 865 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 478264 | 1528 | SH |  | SOLE |  | 1528 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 220602 | 703 | SH |  | SOLE |  | 703 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 305145 | 1322 | SH |  | SOLE |  | 1322 | 0 | 0 |
| AMPHENOL CORP NEW | CL A | 032095101 | BBG001S5NSK6 | 650429 | 4813 | SH |  | SOLE |  | 4813 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 3199314 | 11768 | SH |  | SOLE |  | 11768 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 242825 | 4415 | SH |  | SOLE |  | 4415 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 | BBG001S902J2 | 1509600 | 2 | SH |  | SOLE |  | 2 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1403903 | 2793 | SH |  | SOLE |  | 2793 | 0 | 0 |
| CARLYLE SECURED LENDING INC | COM | 872280102 | BBG00GQVWWQ3 | 149006 | 11930 | SH |  | SOLE |  | 11930 | 0 | 0 |
| COHEN  STEERS CLOSED-END OP | COM | 19248P106 | BBG001SMCWX8 | 578108 | 43796 | SH |  | SOLE |  | 43796 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 397539 | 461 | SH |  | SOLE |  | 461 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 | BBG017159MD8 | 1869914 | 56527 | SH |  | SOLE |  | 56527 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 | BBG00Y2PHW26 | 8052359 | 247232 | SH |  | SOLE |  | 247232 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 | BBG00Y2PGDN6 | 18985220 | 498169 | SH |  | SOLE |  | 498169 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 2224669 | 64558 | SH |  | SOLE |  | 64558 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 | BBG00Y2JG0C0 | 3219138 | 68785 | SH |  | SOLE |  | 68785 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 25359369 | 640550 | SH |  | SOLE |  | 640550 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 657309 | 20083 | SH |  | SOLE |  | 20083 | 0 | 0 |
| EATON VANCE RISK-MANAGED DIV | COM | 27829G106 | BBG001SV50F6 | 1671311 | 189491 | SH |  | SOLE |  | 189491 | 0 | 0 |
| EATON VANCE TAX-MANAGED GLOB | COM | 27829C105 | BBG001SGGKG2 | 114937 | 12466 | SH |  | SOLE |  | 12466 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 1152978 | 9581 | SH |  | SOLE |  | 9581 | 0 | 0 |
| GOLDMAN SACHS BDC INC | SHS | 38147U107 | BBG004DDDL70 | 435993 | 46982 | SH |  | SOLE |  | 46982 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 2044643 | 5942 | SH |  | SOLE |  | 5942 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 207347 | 700 | SH |  | SOLE |  | 700 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 | BBG001S6H5N8 | 304136 | 6482 | SH |  | SOLE |  | 6482 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1500 | 46137V597 | BBG001SPSDJ2 | 307142 | 6693 | SH |  | SOLE |  | 6693 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S 500 GARP ETF | 46137V431 | BBG001V28DF5 | 1400592 | 12301 | SH |  | SOLE |  | 12301 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 | BBG001SJK6D5 | 5513797 | 67929 | SH |  | SOLE |  | 67929 | 0 | 0 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 | BBG00D7BDH70 | 228448 | 5172 | SH |  | SOLE |  | 5172 | 0 | 0 |
| ISHARES INC | MSCI EURZONE ETF | 464286608 | BBG001SFQPM5 | 410240 | 6400 | SH |  | SOLE |  | 6400 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 | BBG003H6TMV7 | 1169895 | 13822 | SH |  | SOLE |  | 13822 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 685461 | 4610 | SH |  | SOLE |  | 4610 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 352060 | 514 | SH |  | SOLE |  | 514 | 0 | 0 |
| ISHARES TR | DEVSMCP EXNA ETF | 464288497 | BBG001T0KY71 | 298849 | 4360 | SH |  | SOLE |  | 4360 | 0 | 0 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 | BBG00MC0P0K7 | 487496 | 10188 | SH |  | SOLE |  | 10188 | 0 | 0 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 | BBG001ST0ZQ7 | 3009757 | 37328 | SH |  | SOLE |  | 37328 | 0 | 0 |
| ISHARES TR | INTL DEV RE ETF | 464288489 | BBG001T0KY80 | 354703 | 15362 | SH |  | SOLE |  | 15362 | 0 | 0 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 | BBG001SQS9Y2 | 5508525 | 57214 | SH |  | SOLE |  | 57214 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 403326 | 4200 | SH |  | SOLE |  | 4200 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 | BBG001S562W9 | 317798 | 851 | SH |  | SOLE |  | 851 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 223398 | 472 | SH |  | SOLE |  | 472 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 302049 | 1436 | SH |  | SOLE |  | 1436 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 | BBG001S561Z8 | 840812 | 6140 | SH |  | SOLE |  | 6140 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 | BBG001S561V2 | 516526 | 3662 | SH |  | SOLE |  | 3662 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 | BBG001SJCNS1 | 367142 | 3814 | SH |  | SOLE |  | 3814 | 0 | 0 |
| ISHARES TR | S MC 400GR ETF | 464287606 | BBG001SFQL08 | 880058 | 9084 | SH |  | SOLE |  | 9084 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 | BBG001SFQJM9 | 500832 | 3806 | SH |  | SOLE |  | 3806 | 0 | 0 |
| ISHARES TR | S SML 600 GWT | 464287887 | BBG001SFQL44 | 1186733 | 8407 | SH |  | SOLE |  | 8407 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 | BBG001SFQL26 | 678909 | 5970 | SH |  | SOLE |  | 5970 | 0 | 0 |
| ISHARES TR | U.S. FINLS ETF | 464287788 | BBG001SFC802 | 310206 | 2406 | SH |  | SOLE |  | 2406 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | BBG00TSG0SK6 | 7397240 | 129232 | SH |  | SOLE |  | 129232 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 | BBG00GP26NW0 | 202360 | 4000 | SH |  | SOLE |  | 4000 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 224400 | 464 | SH |  | SOLE |  | 464 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 440141 | 2360 | SH |  | SOLE |  | 2360 | 0 | 0 |
| PIMCO DYNAMIC INCOME FD | SHS | 72201Y101 | BBG002Q8P804 | 184840 | 10437 | SH |  | SOLE |  | 10437 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 | BBG001S6VS70 | 506651 | 2962 | SH |  | SOLE |  | 2962 | 0 | 0 |
| S GLOBAL INC | COM | 78409V104 | BBG001S5T5M8 | 286380 | 548 | SH |  | SOLE |  | 548 | 0 | 0 |
| SEMPRA | COM | 816851109 | BBG001SBVZ73 | 1430387 | 16201 | SH |  | SOLE |  | 16201 | 0 | 0 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 | BBG001S8LH99 | 1156732 | 2407 | SH |  | SOLE |  | 2407 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 220349 | 556 | SH |  | SOLE |  | 556 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 1428325 | 2095 | SH |  | SOLE |  | 2095 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 | BBG001SPTBP8 | 215547 | 1549 | SH |  | SOLE |  | 1549 | 0 | 0 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 1317230 | 2929 | SH |  | SOLE |  | 2929 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 | BBG001TC6MF8 | 276535 | 622 | SH |  | SOLE |  | 622 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 4039969 | 8281 | SH |  | SOLE |  | 8281 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 3060801 | 9723 | SH |  | SOLE |  | 9723 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 780729 | 4402 | SH |  | SOLE |  | 4402 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 721487 | 2486 | SH |  | SOLE |  | 2486 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 5834169 | 65930 | SH |  | SOLE |  | 65930 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 204563 | 326 | SH |  | SOLE |  | 326 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 950691 | 4489 | SH |  | SOLE |  | 4489 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 858899 | 2843 | SH |  | SOLE |  | 2843 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 11679661 | 34837 | SH |  | SOLE |  | 34837 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 1145992 | 15579 | SH |  | SOLE |  | 15579 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 389181 | 7239 | SH |  | SOLE |  | 7239 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 | BBG001SHTV36 | 312640 | 3458 | SH |  | SOLE |  | 3458 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 | BBG001TCVT65 | 4545946 | 99170 | SH |  | SOLE |  | 99170 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 | BBG001TCH518 | 1896748 | 15579 | SH |  | SOLE |  | 15579 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 621648 | 2828 | SH |  | SOLE |  | 2828 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 526081 | 8421 | SH |  | SOLE |  | 8421 | 0 | 0 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | BBG004N1LYJ5 | 14901637 | 220994 | SH |  | SOLE |  | 220994 | 0 | 0 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 | BBG00M0P2VR5 | 216078 | 3017 | SH |  | SOLE |  | 3017 | 0 | 0 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 | BBG00M0P2SP4 | 712852 | 5893 | SH |  | SOLE |  | 5893 | 0 | 0 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 | BBG001T0Y6L1 | 381415 | 2702 | SH |  | SOLE |  | 2702 | 0 | 0 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 | BBG001T0Y6W9 | 331548 | 803 | SH |  | SOLE |  | 803 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 631930 | 1802 | SH |  | SOLE |  | 1802 | 0 | 0 |

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