# EDGAR Filing Document

**Accession Number:** 0001763138
**File Stem:** 0001763138-26-000001
**Filing Date:** 2026-1
**Character Count:** 12530
**Document Hash:** 2c4afaa732b915b9272c8b2dc3b5ae65
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001763138-26-000001.hdr.sgml**: 20260107

**ACCESSION NUMBER**: 0001763138-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260107

**DATE AS OF CHANGE**: 20260107

**EFFECTIVENESS DATE**: 20260107

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VERITY Wealth Advisors
- **CENTRAL INDEX KEY:** 0001763138

**ORGANIZATION NAME:**
- **EIN:** 721546610
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18976
- **FILM NUMBER:** 26514984

**BUSINESS ADDRESS:**
- **STREET 1:** ONE HARBOR DRIVE
- **STREET 2:** SUITE 300
- **CITY:** SAUSALITO
- **STATE:** X1
- **ZIP:** 94965
- **BUSINESS PHONE:** 415-561-3340

**MAIL ADDRESS:**
- **STREET 1:** ONE HARBOR DRIVE
- **STREET 2:** SUITE 300
- **CITY:** SAUSALITO
- **STATE:** X1
- **ZIP:** 94965

### 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:** VERITY Wealth Advisors<br>**Address:** ONE HARBOR DRIVE<br>SUITE 300<br>SAUSALITO, X1 94965

**Form 13F File Number:** 028-18976

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:** Robert Oliver<br>**Title:** Principal<br>**Phone:** 415-561-3340

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

Robert Evan Oliver  Novato, CA  01-07-2026<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:** 82

**Form 13F Information Table Value Total:** $161167662

      (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 |  | 410860 | 1780 | SH |  | SOLE | 0 | 300 | 0 | 1480 |
| ISHARES SHORT MATURITY MUNICIPAL BOND ACTIVE ETF | ETF | 46431W838 |  | 270873 | 5383 | SH |  | SOLE | 0 | 0 | 0 | 5383 |
| STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF | ETF | 81369Y803 |  | 453506 | 3150 | SH |  | SOLE | 0 | 3150 | 0 | 0 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 1462102 | 7065 | SH |  | SOLE | 0 | 428 | 0 | 6637 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 43669614 | 130252 | SH |  | SOLE | 0 | 31397 | 0 | 98855 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 100581 | 300 | SH | Put | SOLE | 0 | 0 | 0 | 300 |
| WISDOMTREE FLOATING RATE TREASURY FUND | ETF | 97717Y527 |  | 265035 | 5267 | SH |  | SOLE | 0 | 0 | 0 | 5267 |
| COSTCO WHSL CORP NEW COM | Stock | 22160K105 |  | 431170 | 500 | SH |  | SOLE | 0 | 0 | 0 | 500 |
| ISHARES ESG MSCI KLD 400 ETF | ETF | 464288570 |  | 818715 | 6355 | SH |  | SOLE | 0 | 144 | 0 | 6211 |
| VANGUARD REIT INDEX ETF | ETF | 922908553 |  | 2186721 | 24712 | SH |  | SOLE | 0 | 3826 | 0 | 20885 |
| ISHARES MSCI USA ESG SELECT ETF | ETF | 464288802 |  | 3282132 | 23554 | SH |  | SOLE | 0 | 0 | 0 | 23554 |
| ISHARES MSCI ACWI EX US | ETF | 464288240 |  | 3782294 | 56343 | SH |  | SOLE | 0 | 0 | 0 | 56342 |
| INTEL CORP COM | Stock | 458140100 |  | 311731 | 8448 | SH |  | SOLE | 0 | 312 | 0 | 8136 |
| STATE STR CORP COM | Stock | 857477103 |  | 640406 | 4964 | SH |  | SOLE | 0 | 3157 | 0 | 1807 |
| ISHARES ESG AWARE MSCI EAFE ETF | ETF | 46435G516 |  | 697485 | 7335 | SH |  | SOLE | 0 | 29 | 0 | 7306 |
| ISHARES TRS SHORT TERM NATL MUNICIPAL BD FD | ETF | 464288158 |  | 274006 | 2568 | SH |  | SOLE | 0 | 0 | 0 | 2568 |
| ISHARES CORE U.S. REIT ETF | ETF | 464288521 |  | 341532 | 5996 | SH |  | SOLE | 0 | 4886 | 0 | 1110 |
| ISHARES TR S CITIGROUP 1-3 YR INTL TREASURY | ETF | 464288125 |  | 406146 | 5398 | SH |  | SOLE | 0 | 0 | 0 | 5398 |
| ISHARES S 100 ETF | ETF | 464287101 |  | 1068152 | 3114 | SH |  | SOLE | 0 | 0 | 0 | 3114 |
| VERIZON COMMUNICATIONS | Stock | 92343V104 |  | 233220 | 5726 | SH |  | SOLE | 0 | 93 | 0 | 5633 |
| ISHARES COHEN  STEERS REIT ETF | ETF | 464287564 |  | 791309 | 13261 | SH |  | SOLE | 0 | 3064 | 0 | 10197 |
| PEPSICO INC COM | Stock | 713448108 |  | 981246 | 6837 | SH |  | SOLE | 0 | 912 | 0 | 5925 |
| ISHARES INTERNATIONAL TREASURY BOND ETF | ETF | 464288117 |  | 399978 | 9601 | SH |  | SOLE | 0 | 0 | 0 | 9601 |
| ISHARES CALIFORNIA MUNI BOND ETF | ETF | 464288356 |  | 627176 | 10915 | SH |  | SOLE | 0 | 1475 | 0 | 9440 |
| ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF | ETF | 46435G243 |  | 664367 | 26322 | SH |  | SOLE | 0 | 26322 | 0 | 0 |
| SCHWAB U.S. BROAD MARKET ETF | ETF | 808524102 |  | 1471188 | 56088 | SH |  | SOLE | 0 | 0 | 0 | 56088 |
| SCHWAB INTERNATIONAL EQUITY ETF | ETF | 808524805 |  | 2566727 | 106769 | SH |  | SOLE | 0 | 0 | 0 | 106769 |
| SCHWAB U.S. LARGE-CAP ETF | ETF | 808524201 |  | 3514796 | 130613 | SH |  | SOLE | 0 | 24822 | 0 | 105791 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 922363 | 1835 | SH |  | SOLE | 0 | 1285 | 0 | 550 |
| VANGUARD SHORT TERM CORP BOND FD ETF | ETF | 92206C409 |  | 1085732 | 13618 | SH |  | SOLE | 0 | 3476 | 0 | 10141 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 262920 | 840 | SH |  | SOLE | 0 | 200 | 0 | 640 |
| ISHARES MSCI PACIFIC EX JAPAN ETF | ETF | 464286665 |  | 289698 | 5740 | SH |  | SOLE | 0 | 0 | 0 | 5740 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 3036650 | 6279 | SH |  | SOLE | 0 | 778 | 0 | 5501 |
| VANGUARD SMALL-CAP ETF | ETF | 922908751 |  | 261819 | 1015 | SH |  | SOLE | 0 | 1015 | 0 | 0 |
| VANGUARD MID CAP | ETF | 922908629 |  | 414472 | 1428 | SH |  | SOLE | 0 | 0 | 0 | 1428 |
| VANGUARD SHORT-TERM TREASURY ETF | ETF | 92206C102 |  | 1506307 | 25648 | SH |  | SOLE | 0 | 4894 | 0 | 20754 |
| VANGUARD INFORMATION TECHNOLOGY ETF | ETF | 92204A702 |  | 595486 | 790 | SH |  | SOLE | 0 | 775 | 0 | 15 |
| INVESCO INTERNATIONAL CORPORATE BOND ETF | ETF | 46138E636 |  | 412853 | 17289 | SH |  | SOLE | 0 | 0 | 0 | 17289 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 1244853 | 1985 | SH |  | SOLE | 0 | 1985 | 0 | 0 |
| ISHARES 0-5 YEAR TIPS BOND ETF | ETF | 46429B747 |  | 1417180 | 13841 | SH |  | SOLE | 0 | 7258 | 0 | 6583 |
| VANGUARD TOTAL INTERNATIONAL STOCK ETF | ETF | 921909768 |  | 860695 | 11409 | SH |  | SOLE | 0 | 10056 | 0 | 1353 |
| ISHARES ESG ADVANCED MSCI EAFE ETF | ETF | 46436E759 |  | 997073 | 13266 | SH |  | SOLE | 0 | 11792 | 0 | 1474 |
| ISHARES ESG ADVANCED MSCI USA ETF | ETF | 46436E767 |  | 1498865 | 26031 | SH |  | SOLE | 0 | 21025 | 0 | 5006 |
| SCHWAB US AGGREGATE BOND ETF | ETF | 808524839 |  | 839299 | 35914 | SH |  | SOLE | 0 | 3614 | 0 | 32299 |
| ISHARES MSCI EAFE VALUE ETF | ETF | 464288877 |  | 759445 | 10635 | SH |  | SOLE | 0 | 10635 | 0 | 0 |
| COUPANG INC CL A | Stock | 22266T109 |  | 623366 | 26425 | SH |  | SOLE | 0 | 0 | 0 | 26425 |
| ISHARES MSCI USA MIN VOL FACTOR ETF | ETF | 46429B697 |  | 1139521 | 12102 | SH |  | SOLE | 0 | 0 | 0 | 12101 |
| DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF | ETF | 25434V880 |  | 1430923 | 43719 | SH |  | SOLE | 0 | 21110 | 0 | 22609 |
| DIMENSIONAL INTERNATIONAL VALUE ETF | ETF | 25434V807 |  | 337873 | 6771 | SH |  | SOLE | 0 | 6771 | 0 | 0 |
| ISHARES TR S 1500 INDEX FD | ETF | 464287150 |  | 619294 | 4165 | SH |  | SOLE | 0 | 0 | 0 | 4165 |
| DIMENSIONAL US MARKETWIDE VALUE ETF | ETF | 25434V724 |  | 595187 | 12775 | SH |  | SOLE | 0 | 12775 | 0 | 0 |
| VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF | ETF | 922020805 |  | 209661 | 4239 | SH |  | SOLE | 0 | 50 | 0 | 4189 |
| ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF | ETF | 46432F834 |  | 921391 | 10886 | SH |  | SOLE | 0 | 3863 | 0 | 7023 |
| ISHARES CORE MSCI EAFE ETF | ETF | 46432F842 |  | 362313 | 4050 | SH |  | SOLE | 0 | 4050 | 0 | 0 |
| ISHARES CORE MSCI EMERGING MARKETS ETF | ETF | 46434G103 |  | 815141 | 12126 | SH |  | SOLE | 0 | 4444 | 0 | 7682 |
| VANGUARD TOTAL BOND MARKET ETF | ETF | 921937835 |  | 1193104 | 16108 | SH |  | SOLE | 0 | 695 | 0 | 15412 |
| VANGUARD FTSE ALL-WORLD EX-US | ETF | 922042775 |  | 12027728 | 163509 | SH |  | SOLE | 0 | 35664 | 0 | 127845 |
| QUALCOMM INC | Stock | 747525103 |  | 1333335 | 7795 | SH |  | SOLE | 0 | 864 | 0 | 6931 |
| VANGUARD TOTAL INTERNATIONAL BOND ETF | ETF | 92203J407 |  | 296242 | 6131 | SH |  | SOLE | 0 | 988 | 0 | 5142 |
| AT INC COM | Stock | 00206R102 |  | 247456 | 9962 | SH |  | SOLE | 0 | 227 | 0 | 9735 |
| GE VERNOVA INC COM | Stock | 36828A101 |  | 609781 | 933 | SH |  | SOLE | 0 | 0 | 0 | 933 |
| ISHARES NASDAQ BIOTECHNOLOGY | ETF | 464287556 |  | 1501759 | 8898 | SH |  | SOLE | 0 | 1140 | 0 | 7758 |
| GE AEROSPACE COM NEW | Stock | 369604301 |  | 1149876 | 3733 | SH |  | SOLE | 0 | 0 | 0 | 3733 |
| ISHARES S 500 VALUE ETF | ETF | 464287408 |  | 732066 | 3452 | SH |  | SOLE | 0 | 3452 | 0 | 0 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 25924898 | 37850 | SH |  | SOLE | 0 | 4145 | 0 | 33704 |
| CINTAS CORP | Stock | 172908105 |  | 1057706 | 5624 | SH |  | SOLE | 0 | 0 | 0 | 5624 |
| ISHARES PREFERRED  INCOME SECURITIES ETF | ETF | 464288687 |  | 553503 | 17878 | SH |  | SOLE | 0 | 0 | 0 | 17878 |
| THERMO FISHER SCIENTIFIC INC COM | Stock | 883556102 |  | 519187 | 896 | SH |  | SOLE | 0 | 0 | 0 | 896 |
| ISHARES NATIONAL MUNI BOND ETF | ETF | 464288414 |  | 201674 | 1883 | SH |  | SOLE | 0 | 0 | 0 | 1882 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | ETF | 921943858 |  | 4243712 | 67932 | SH |  | SOLE | 0 | 12395 | 0 | 55537 |
| VANGUARD FTSE EMERGING MARKETS ETF | ETF | 922042858 |  | 4629650 | 86117 | SH |  | SOLE | 0 | 6764 | 0 | 79353 |
| GILEAD SCIENCES INC | Stock | 375558103 |  | 655186 | 5338 | SH |  | SOLE | 0 | 2728 | 0 | 2610 |
| ISHARES CURRENCY HEDGED MSCI EAFE ETF | ETF | 46434V803 |  | 3006237 | 72685 | SH |  | SOLE | 0 | 14016 | 0 | 58668 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 257316 | 820 | SH |  | SOLE | 0 | 160 | 0 | 660 |
| FIGMA INC CLASS A COM STK | Stock | 316841105 |  | 373700 | 10000 | SH |  | SOLE | 0 | 0 | 0 | 10000 |
| ALLIANT ENERGY CORP COM | Stock | 018802108 |  | 1068959 | 16443 | SH |  | SOLE | 0 | 0 | 0 | 16443 |
| VANGUARD SHORT-TERM BOND ETF | ETF | 921937827 |  | 1149207 | 14582 | SH |  | SOLE | 0 | 8114 | 0 | 6468 |
| ISHARES RUSSELL 3000 ETF | ETF | 464287689 |  | 638689 | 1651 | SH |  | SOLE | 0 | 0 | 0 | 1651 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 955500 | 7940 | SH |  | SOLE | 0 | 300 | 0 | 7640 |
| ISHARES FUTURE EXPONENTIAL TECHNOLOGIES ETF | ETF | 46434V381 |  | 403516 | 5786 | SH |  | SOLE | 0 | 1550 | 0 | 4236 |
| ISHARES GLOBAL CLEAN ENERGY ETF | ETF | 464288224 |  | 224056 | 13637 | SH |  | SOLE | 0 | 6034 | 0 | 7603 |
| APPLE INC COM | Stock | 037833100 |  | 630171 | 2318 | SH |  | SOLE | 0 | 590 | 0 | 1728 |

---