# EDGAR Filing Document

**Accession Number:** 0001632226
**File Stem:** 0001085146-23-000974
**Filing Date:** 2023-2
**Character Count:** 11121
**Document Hash:** feb014b4478297260c265ff29ce84f94
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000974.hdr.sgml**: 20230210

**ACCESSION NUMBER**: 0001085146-23-000974

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230210

**DATE AS OF CHANGE**: 20230209

**EFFECTIVENESS DATE**: 20230210

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Pillar Wealth Advisors, LLC
- **CENTRAL INDEX KEY:** 0001632226
- **IRS NUMBER:** 300708045
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21749
- **FILM NUMBER:** 23608209

**BUSINESS ADDRESS:**
- **STREET 1:** 2751 CENTERVILLE ROAD
- **STREET 2:** SUITE 109
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
- **BUSINESS PHONE:** 302-409-3501

**MAIL ADDRESS:**
- **STREET 1:** 2751 CENTERVILLE ROAD
- **STREET 2:** SUITE 109
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Pillar Wealth Advisors LLC<br>**Address:** 2751 CENTERVILLE ROAD<br>SUITE 109<br>WILMINGTON, DE 19808

**Form 13F File Number:** 028-21749

**CRD Number (if applicable):** 000159642

**SEC File Number (if applicable):** 801-110543

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:** Michael C. Bree<br>**Title:** President<br>**Phone:** 302-409-3501

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

/s/Michael C. Bree  Wilmington, DE  02-09-2023<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:** 63

**Form 13F Information Table Value Total:** $103740955

      (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 INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 1198163 | 13580 | SH |  | SOLE |  | 0 | 0 | 13580 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 990227 | 11160 | SH |  | SOLE |  | 0 | 0 | 11160 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 601883 | 4632 | SH |  | SOLE |  | 0 | 0 | 4632 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 | BBG015H8BXT5 | 992101 | 42056 | SH |  | SOLE |  | 0 | 0 | 42056 |
| CAPITAL GROUP FIXED INCOME E | MUNICIPAL INCOME | 14020Y201 | BBG019XRCM29 | 4501939 | 171961 | SH |  | SOLE |  | 0 | 0 | 171961 |
| ENDAVA PLC | ADS | 29260V105 | BBG00LBLBCB3 | 396729 | 5186 | SH |  | SOLE |  | 0 | 0 | 5186 |
| GILEAD SCIENCES INC | COM | 375558103 | BBG001S6Y1X7 | 890093 | 10368 | SH |  | SOLE |  | 0 | 0 | 10368 |
| INNOVATOR ETFS TR | DEFINED WLT SHLD | 45783Y855 | BBG011MFV1P4 | 13432497 | 505209 | SH |  | SOLE |  | 0 | 0 | 505209 |
| INNOVATOR ETFS TR | EMERGING MKT PWR | 45782C623 | BBG012S334Q7 | 590412 | 26517 | SH |  | SOLE |  | 0 | 0 | 26517 |
| INNOVATOR ETFS TR | EMRGNG MKT APRIL | 45782C359 | BBG00SXJPRZ5 | 218151 | 9384 | SH |  | SOLE |  | 0 | 0 | 9384 |
| INNOVATOR ETFS TR | EMRGNG MKT JAN | 45782C516 | BBG00R878QK8 | 861278 | 31653 | SH |  | SOLE |  | 0 | 0 | 31653 |
| INNOVATOR ETFS TR | EMRGNG MKT JULY | 45782C714 | BBG00PLZ0MN9 | 878034 | 38459 | SH |  | SOLE |  | 0 | 0 | 38459 |
| INNOVATOR ETFS TR | GRWT100 PWR BF | 45782C334 | BBG00SXJYPC4 | 237370 | 6969 | SH |  | SOLE |  | 0 | 0 | 6969 |
| INNOVATOR ETFS TR | GRWT100 PWR BUF | 45782C276 | BBG00VSHC6L3 | 552874 | 12995 | SH |  | SOLE |  | 0 | 0 | 12995 |
| INNOVATOR ETFS TR | GRWT100 PWR BUF | 45782C615 | BBG00QFP06T5 | 1411523 | 40271 | SH |  | SOLE |  | 0 | 0 | 40271 |
| INNOVATOR ETFS TR | INTERNATIONAL DV | 45782C631 | BBG012S32N86 | 528787 | 22246 | SH |  | SOLE |  | 0 | 0 | 22246 |
| INNOVATOR ETFS TR | INTRNL DEV JAN | 45782C524 | BBG00R877XM2 | 612166 | 22919 | SH |  | SOLE |  | 0 | 0 | 22919 |
| INNOVATOR ETFS TR | INTRNL DEV JULY | 45782C722 | BBG00PLYT1X6 | 431146 | 18085 | SH |  | SOLE |  | 0 | 0 | 18085 |
| INNOVATOR ETFS TR | US EQT PWR BUF | 45782C870 | BBG00NR9QB16 | 715923 | 25504 | SH |  | SOLE |  | 0 | 0 | 25504 |
| INNOVATOR ETFS TR | US EQT ULTRA BF | 45782C300 | BBG00MYXKMH2 | 818481 | 27549 | SH |  | SOLE |  | 0 | 0 | 27549 |
| INNOVATOR ETFS TR | US EQTY PWR BF | 45782C680 | BBG00PVP39R2 | 1618672 | 57096 | SH |  | SOLE |  | 0 | 0 | 57096 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C748 | BBG00PBD6H63 | 322553 | 10850 | SH |  | SOLE |  | 0 | 0 | 10850 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C540 | BBG00QYND1G0 | 1971903 | 65972 | SH |  | SOLE |  | 0 | 0 | 65972 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C797 | BBG00M4NZTF8 | 3450442 | 114747 | SH |  | SOLE |  | 0 | 0 | 114747 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C383 | BBG00S1NDLX9 | 330089 | 10745 | SH |  | SOLE |  | 0 | 0 | 10745 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C318 | BBG00TGM5Q16 | 370900 | 13204 | SH |  | SOLE |  | 0 | 0 | 13204 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C813 | BBG00LNDTJL3 | 1498028 | 49620 | SH |  | SOLE |  | 0 | 0 | 49620 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C573 | BBG00QPZ1F93 | 2921215 | 96761 | SH |  | SOLE |  | 0 | 0 | 96761 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C656 | BBG00Q4028Q9 | 2442036 | 83481 | SH |  | SOLE |  | 0 | 0 | 83481 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C417 | BBG00RHZ5CR3 | 222770 | 7844 | SH |  | SOLE |  | 0 | 0 | 7844 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C508 | BBG00MYXKL20 | 889622 | 28233 | SH |  | SOLE |  | 0 | 0 | 28233 |
| INNOVATOR ETFS TR | US SML CP PWR B | 45782C599 | BBG00QFNSZH9 | 211989 | 8398 | SH |  | SOLE |  | 0 | 0 | 8398 |
| INNOVATOR ETFS TR | US SML CP PWR B | 45782C474 | BBG00R879Z72 | 542926 | 18152 | SH |  | SOLE |  | 0 | 0 | 18152 |
| INNOVATOR ETFS TR | US SML CP PWR B | 45782C284 | BBG00VSHFQQ1 | 913224 | 37692 | SH |  | SOLE |  | 0 | 0 | 37692 |
| INNOVATOR ETFS TR | US SML CP PWR ET | 45782C342 | BBG00SXJYJL8 | 679915 | 26886 | SH |  | SOLE |  | 0 | 0 | 26886 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 | BBG001SDJ4R0 | 1063551 | 10367 | SH |  | SOLE |  | 0 | 0 | 10367 |
| INVESCO EXCH TRD SLF IDX FD | RAFI STRG US ETF | 46138J726 | BBG00LY8K5M0 | 269272 | 10025 | SH |  | SOLE |  | 0 | 0 | 10025 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 | BBG001S6H5N8 | 489033 | 3152 | SH |  | SOLE |  | 0 | 0 | 3152 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 348888 | 2470 | SH |  | SOLE |  | 0 | 0 | 2470 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 507365 | 5361 | SH |  | SOLE |  | 0 | 0 | 5361 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 1235460 | 14750 | SH |  | SOLE |  | 0 | 0 | 14750 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 291901 | 4447 | SH |  | SOLE |  | 0 | 0 | 4447 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 8022348 | 70396 | SH |  | SOLE |  | 0 | 0 | 70396 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 296300 | 2808 | SH |  | SOLE |  | 0 | 0 | 2808 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 365988 | 3510 | SH |  | SOLE |  | 0 | 0 | 3510 |
| KRANESHARES TR | QUADRTC INT RT | 500767736 | BBG00NW3SL00 | 322053 | 14244 | SH |  | SOLE |  | 0 | 0 | 14244 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 | BBG00FJQN752 | 857383 | 18538 | SH |  | SOLE |  | 0 | 0 | 18538 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 325630 | 6355 | SH |  | SOLE |  | 0 | 0 | 6355 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 | BBG0051J0PJ9 | 916641 | 17153 | SH |  | SOLE |  | 0 | 0 | 17153 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | BBG001T9F795 | 1890285 | 39185 | SH |  | SOLE |  | 0 | 0 | 39185 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 17099824 | 378734 | SH |  | SOLE |  | 0 | 0 | 378734 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 9437443 | 143842 | SH |  | SOLE |  | 0 | 0 | 143842 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 1352256 | 33381 | SH |  | SOLE |  | 0 | 0 | 33381 |
| SPDR SER TR | BLOOMBERG 1-3 MO | 78468R663 | BBG001STKCW9 | 918633 | 10043 | SH |  | SOLE |  | 0 | 0 | 10043 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 230032 | 3202 | SH |  | SOLE |  | 0 | 0 | 3202 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 207174 | 4368 | SH |  | SOLE |  | 0 | 0 | 4368 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 250830 | 1177 | SH |  | SOLE |  | 0 | 0 | 1177 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 223802 | 2713 | SH |  | SOLE |  | 0 | 0 | 2713 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 587202 | 3071 | SH |  | SOLE |  | 0 | 0 | 3071 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 901054 | 11625 | SH |  | SOLE |  | 0 | 0 | 11625 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 454223 | 6041 | SH |  | SOLE |  | 0 | 0 | 6041 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 5175699 | 123319 | SH |  | SOLE |  | 0 | 0 | 123319 |
| WSFS FINL CORP | COM | 929328102 | BBG001S5XJX1 | 454624 | 10027 | SH |  | SOLE |  | 0 | 0 | 10027 |

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