# EDGAR Filing Document

**Accession Number:** 0002053368
**File Stem:** 0002053368-26-000001
**Filing Date:** 2026-1
**Character Count:** 9890
**Document Hash:** 9cad0b85fdc51d45c6c5b711963ad2e9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002053368-26-000001.hdr.sgml**: 20260129

**ACCESSION NUMBER**: 0002053368-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260129

**DATE AS OF CHANGE**: 20260129

**EFFECTIVENESS DATE**: 20260129

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financial Life Planners
- **CENTRAL INDEX KEY:** 0002053368

**ORGANIZATION NAME:**
- **EIN:** 272221837
- **STATE OF INCORPORATION:** AZ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24613
- **FILM NUMBER:** 26576079

**BUSINESS ADDRESS:**
- **STREET 1:** 2151 EAST BROADWAY
- **STREET 2:** SUITE 203
- **CITY:** TEMPE
- **STATE:** AZ
- **ZIP:** 85282
- **BUSINESS PHONE:** 480-477-8529

**MAIL ADDRESS:**
- **STREET 1:** 2151 EAST BROADWAY
- **STREET 2:** SUITE 203
- **CITY:** TEMPE
- **STATE:** AZ
- **ZIP:** 85282

### 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 Life Planners<br>**Address:** 2151 EAST BROADWAY<br>SUITE 203<br>TEMPE, AZ 85282

**Form 13F File Number:** 028-24613

**CRD Number (if applicable):** 000129415

**SEC File Number (if applicable):** 801-127888

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:** Janet Messer<br>**Title:** Chief Compliance Officer<br>**Phone:** 720-210-9471

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

Janet Messer  Milton, IN  01-29-2026<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:** 61

**Form 13F Information Table Value Total:** $139306098

      (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 |
| ALPHABET INCCAP STK CL A | COM | 02079K305 |  | 270198 | 863 | SH |  | SOLE |  | 0 | 0 | 863 |
| ALPHABET INCCAP STK CL C | COM | 02079K107 |  | 395674 | 1261 | SH |  | SOLE |  | 0 | 0 | 1261 |
| AMAZON COM INCCOM | COM | 023135106 |  | 2012386 | 8718 | SH |  | SOLE |  | 0 | 0 | 8718 |
| APPLE INCCOM | COM | 037833100 |  | 6762928 | 24876 | SH |  | SOLE |  | 0 | 0 | 24876 |
| APPLOVIN CORPCOM CL A | COM | 03831W108 |  | 216971 | 322 | SH |  | SOLE |  | 0 | 0 | 322 |
| ARK ETF TRBLOCKCHAIN  FIN | ETF | 00214Q708 |  | 2671304 | 56084 | SH |  | SOLE |  | 0 | 0 | 56084 |
| AXON ENTERPRISE INCCOM | COM | 05464C101 |  | 2656396 | 4677 | SH |  | SOLE |  | 0 | 0 | 4677 |
| BANK AMERICA CORPCOM | COM | 060505104 |  | 659849 | 11997 | SH |  | SOLE |  | 0 | 0 | 11997 |
| BERKSHIRE HATHAWAY INC DELCL B NEW | COM | 084670702 |  | 3746833 | 7454 | SH |  | SOLE |  | 0 | 0 | 7454 |
| BROADCOM INCCOM | COM | 11135F101 |  | 605256 | 1749 | SH |  | SOLE |  | 0 | 0 | 1749 |
| COSTCO WHSL CORP NEWCOM | COM | 22160K105 |  | 2381241 | 2761 | SH |  | SOLE |  | 0 | 0 | 2761 |
| D R HORTON INCCOM | COM | 23331A109 |  | 201867 | 1402 | SH |  | SOLE |  | 0 | 0 | 1402 |
| EXXON MOBIL CORPCOM | COM | 30231G102 |  | 234654 | 1950 | SH |  | SOLE |  | 0 | 0 | 1950 |
| FIRST TR EXCHNG TRADED FD VIFT VEST US EQT | ETF | 33740F664 |  | 404106 | 8249 | SH |  | SOLE |  | 0 | 0 | 8249 |
| GE AEROSPACECOM NEW | COM | 369604301 |  | 270597 | 878 | SH |  | SOLE |  | 0 | 0 | 878 |
| GOLDMAN SACHS GROUP INCCOM | COM | 38141G104 |  | 672802 | 765 | SH |  | SOLE |  | 0 | 0 | 765 |
| HOWMET AEROSPACE INCCOM | COM | 443201108 |  | 558238 | 2723 | SH |  | SOLE |  | 0 | 0 | 2723 |
| INTERNATIONAL BUSINESS MACHSCOM | COM | 459200101 |  | 220599 | 745 | SH |  | SOLE |  | 0 | 0 | 745 |
| INVESCO EXCH TRD SLF IDX FDBULSHS 2026 CB | ETF | 46138J791 |  | 640603 | 32726 | SH |  | SOLE |  | 0 | 0 | 32726 |
| INVESCO EXCH TRD SLF IDX FDBULSHS 2027 CB | ETF | 46138J783 |  | 395969 | 20059 | SH |  | SOLE |  | 0 | 0 | 20059 |
| INVESCO EXCH TRD SLF IDX FDINVSCO BLSH 28 | ETF | 46138J643 |  | 1112389 | 53999 | SH |  | SOLE |  | 0 | 0 | 53999 |
| INVESCO QQQ TRUNIT SER 1 | ETF | 46090E103 |  | 32012126 | 52111 | SH |  | SOLE |  | 0 | 0 | 52111 |
| ISHARES SILVER TRISHARES | ETF | 46428Q109 |  | 378532 | 5876 | SH |  | SOLE |  | 0 | 0 | 5876 |
| ISHARES TRCORE S MCP ETF | ETF | 464287507 |  | 410342 | 6217 | SH |  | SOLE |  | 0 | 0 | 6217 |
| ISHARES TRCORE S ETF | ETF | 464287200 |  | 28722404 | 41934 | SH |  | SOLE |  | 0 | 0 | 41934 |
| ISHARES TREXPANDED TECH | ETF | 464287515 |  | 227914 | 2156 | SH |  | SOLE |  | 0 | 0 | 2156 |
| ISHARES TRRUS 1000 GRW ETF | ETF | 464287614 |  | 657737 | 1390 | SH |  | SOLE |  | 0 | 0 | 1390 |
| ISHARES TRRUS 1000 VAL ETF | ETF | 464287598 |  | 360360 | 1713 | SH |  | SOLE |  | 0 | 0 | 1713 |
| ISHARES TRRUSSELL 2000 ETF | ETF | 464287655 |  | 431316 | 1752 | SH |  | SOLE |  | 0 | 0 | 1752 |
| ISHARES TRS MC 400GR ETF | ETF | 464287606 |  | 228012 | 2354 | SH |  | SOLE |  | 0 | 0 | 2354 |
| ISHARES TRS SML 600 GWT | ETF | 464287887 |  | 210383 | 1490 | SH |  | SOLE |  | 0 | 0 | 1490 |
| JPMORGAN CHASE  CO.COM | COM | 46625H100 |  | 294014 | 912 | SH |  | SOLE |  | 0 | 0 | 912 |
| META PLATFORMS INCCL A | COM | 30303M102 |  | 802631 | 1216 | SH |  | SOLE |  | 0 | 0 | 1216 |
| MICROSOFT CORPCOM | COM | 594918104 |  | 4261635 | 8812 | SH |  | SOLE |  | 0 | 0 | 8812 |
| NETFLIX INCCOM | COM | 64110L106 |  | 794016 | 8469 | SH |  | SOLE |  | 0 | 0 | 8469 |
| NRG ENERGY INCCOM NEW | COM | 629377508 |  | 470391 | 2954 | SH |  | SOLE |  | 0 | 0 | 2954 |
| NVIDIA CORPORATIONCOM | COM | 67066G104 |  | 14423369 | 77337 | SH |  | SOLE |  | 0 | 0 | 77337 |
| ORACLE CORPCOM | COM | 68389X105 |  | 281007 | 1442 | SH |  | SOLE |  | 0 | 0 | 1442 |
| PALANTIR TECHNOLOGIES INCCL A | COM | 69608A108 |  | 5245907 | 29513 | SH |  | SOLE |  | 0 | 0 | 29513 |
| PROSHARES TRPSHS ULTRA QQQ | ETF | 74347R206 |  | 217833 | 3094 | SH |  | SOLE |  | 0 | 0 | 3094 |
| ROBINHOOD MKTS INCCOM CL A | COM | 770700102 |  | 4681783 | 41395 | SH |  | SOLE |  | 0 | 0 | 41395 |
| RTX CORPORATIONCOM | COM | 75513E101 |  | 623781 | 3401 | SH |  | SOLE |  | 0 | 0 | 3401 |
| SALESFORCE INCCOM | COM | 79466L302 |  | 454966 | 1717 | SH |  | SOLE |  | 0 | 0 | 1717 |
| SELECT SECTOR SPDR TRSTATE STREET FIN | ETF | 81369Y605 |  | 636423 | 11620 | SH |  | SOLE |  | 0 | 0 | 11620 |
| SERVICENOW INCCOM | COM | 81762P102 |  | 278806 | 1820 | SH |  | SOLE |  | 0 | 0 | 1820 |
| SPDR DOW JONES INDL AVERAGEUT SER 1 | ETF | 78467X109 |  | 1385135 | 2882 | SH |  | SOLE |  | 0 | 0 | 2882 |
| SPDR S 500 ETF TRTR UNIT | ETF | 78462F103 |  | 2024748 | 2969 | SH |  | SOLE |  | 0 | 0 | 2969 |
| SPDR S MIDCAP 400 ETF TRUTSER1 S | ETF | 78467Y107 |  | 2341278 | 3881 | SH |  | SOLE |  | 0 | 0 | 3881 |
| SPDR SERIES TRUSTSTATE STREET SPD | ETF | 78464A854 |  | 470469 | 5865 | SH |  | SOLE |  | 0 | 0 | 5865 |
| TAIWAN SEMICONDUCTOR MFG LTDSPONSORED ADS | COM | 874039100 |  | 231012 | 760 | SH |  | SOLE |  | 0 | 0 | 760 |
| TESLA INCCOM | COM | 88160R101 |  | 687880 | 1530 | SH |  | SOLE |  | 0 | 0 | 1530 |
| THE CIGNA GROUPCOM | COM | 125523100 |  | 245187 | 891 | SH |  | SOLE |  | 0 | 0 | 891 |
| VANGUARD INDEX FDSGROWTH ETF | ETF | 922908736 |  | 463840 | 951 | SH |  | SOLE |  | 0 | 0 | 951 |
| VANGUARD INDEX FDSREAL ESTATE ETF | ETF | 922908553 |  | 370718 | 4189 | SH |  | SOLE |  | 0 | 0 | 4189 |
| VANGUARD INDEX FDSS 500 ETF SHS | ETF | 922908363 |  | 439007 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| VANGUARD SCOTTSDALE FDSVNG RUS1000VAL | ETF | 92206C714 |  | 400559 | 4340 | SH |  | SOLE |  | 0 | 0 | 4340 |
| VANGUARD SPECIALIZED FUNDSDIV APP ETF | ETF | 921908844 |  | 782771 | 3562 | SH |  | SOLE |  | 0 | 0 | 3562 |
| VANGUARD WORLD FDMEGA GRWTH IND | ETF | 921910816 |  | 2982902 | 7227 | SH |  | SOLE |  | 0 | 0 | 7227 |
| VISA INCCOM CL A | COM | 92826C839 |  | 507463 | 1447 | SH |  | SOLE |  | 0 | 0 | 1447 |
| VISTRA CORPCOM | COM | 92840M102 |  | 320438 | 1986 | SH |  | SOLE |  | 0 | 0 | 1986 |
| WISDOMTREE BITCOIN FDSHS BEN INT | ETF | 97720F101 |  | 1456143 | 15712 | SH |  | SOLE |  | 0 | 0 | 15712 |

---