# EDGAR Filing Document

**Accession Number:** 0001911328
**File Stem:** 0001172661-25-004429
**Filing Date:** 2025-10
**Character Count:** 8040
**Document Hash:** 39cf219f491957c9543944d05b28a168
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-004429.hdr.sgml**: 20251027

**ACCESSION NUMBER**: 0001172661-25-004429

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251027

**DATE AS OF CHANGE**: 20251027

**EFFECTIVENESS DATE**: 20251027

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Roger Wittlin Investment Advisory, LLC
- **CENTRAL INDEX KEY:** 0001911328

**ORGANIZATION NAME:**
- **EIN:** 822945830
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22286
- **FILM NUMBER:** 251417444

**BUSINESS ADDRESS:**
- **STREET 1:** 1000 GREEN STREET
- **STREET 2:** PH 1
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94133
- **BUSINESS PHONE:** 415-696-4044

**MAIL ADDRESS:**
- **STREET 1:** 1000 GREEN STREET
- **STREET 2:** PH 1
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94133

### 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:** Roger Wittlin Investment Advisory LLC<br>**Address:** 1000 Green Street<br>Ph 1<br>San Francisco, CA 94133

**Form 13F File Number:** 028-22286

**CRD Number (if applicable):** 000292577

**SEC File Number (if applicable):** 801-121381

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:** Roger Wittlin<br>**Title:** Managing Member/Investment Advisor Representative<br>**Phone:** 415-696-4044

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

/s/ 	Roger Wittlin  San Francisco, CA  10-27-2025<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:** 41

**Form 13F Information Table Value Total:** $179887600

      (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 |
| EQUITY RESIDENTIAL | SH BEN INT | 29476L107 |  | 264445 | 4085 | SH |  | SOLE |  | 4085 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 1309848 | 10820 | SH |  | SOLE |  | 10820 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 4161140 | 21935 | SH |  | SOLE |  | 21935 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 7421176 | 12361 | SH |  | SOLE |  | 12361 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2498485 | 34334 | SH |  | SOLE |  | 34334 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 305241 | 3679 | SH |  | SOLE |  | 3679 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1788220 | 20481 | SH |  | SOLE |  | 20481 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2237275 | 34282 | SH |  | SOLE |  | 34282 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 16155723 | 110922 | SH |  | SOLE |  | 110922 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 25211305 | 37668 | SH |  | SOLE |  | 37668 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 573395 | 12276 | SH |  | SOLE |  | 12276 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 659692 | 6580 | SH |  | SOLE |  | 6580 | 0 | 0 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 955636 | 8573 | SH |  | SOLE |  | 8573 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 911748 | 17193 | SH |  | SOLE |  | 17193 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 206670 | 2213 | SH |  | SOLE |  | 2213 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 485785 | 9572 | SH |  | SOLE |  | 9572 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 2185027 | 11978 | SH |  | SOLE |  | 11978 | 0 | 0 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 4627427 | 49571 | SH |  | SOLE |  | 49571 | 0 | 0 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 1544630 | 15340 | SH |  | SOLE |  | 15340 | 0 | 0 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 1591148 | 59283 | SH |  | SOLE |  | 59283 | 0 | 0 |
| PIMCO ETF TR | SR LN ACTIVE ETF | 72201R627 |  | 11890658 | 232831 | SH |  | SOLE |  | 232831 | 0 | 0 |
| PROLOGIS INC. | COM | 74340W103 |  | 242613 | 2119 | SH |  | SOLE |  | 2119 | 0 | 0 |
| RUBRIK INC. | CL A | 781154109 |  | 396198 | 4817 | SH |  | SOLE |  | 4817 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 15142377 | 588968 | SH |  | SOLE |  | 588968 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 433498 | 15538 | SH |  | SOLE |  | 15538 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1271516 | 3577 | SH |  | SOLE |  | 3577 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 9750972 | 14637 | SH |  | SOLE |  | 14637 | 0 | 0 |
| SPDR SERIES TRUST | SPDR S | 78464A128 |  | 8012203 | 39252 | SH |  | SOLE |  | 39252 | 0 | 0 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 1789578 | 12778 | SH |  | SOLE |  | 12778 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG INVT | 78468R200 |  | 230692 | 7475 | SH |  | SOLE |  | 7475 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2327551 | 31297 | SH |  | SOLE |  | 31297 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 5498992 | 18721 | SH |  | SOLE |  | 18721 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 332686 | 3639 | SH |  | SOLE |  | 3639 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1769660 | 2890 | SH |  | SOLE |  | 2890 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 36552465 | 111383 | SH |  | SOLE |  | 111383 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 1485158 | 18611 | SH |  | SOLE |  | 18611 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 217815 | 2725 | SH |  | SOLE |  | 2725 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 256670 | 3052 | SH |  | SOLE |  | 3052 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 2081646 | 44328 | SH |  | SOLE |  | 44328 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1830317 | 8482 | SH |  | SOLE |  | 8482 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 3280319 | 44654 | SH |  | SOLE |  | 44654 | 0 | 0 |

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