# EDGAR Filing Document

**Accession Number:** 0002081474
**File Stem:** 0002081474-25-000003
**Filing Date:** 2025-12
**Character Count:** 9315
**Document Hash:** 2bc3873375a6286af50b5a9612377c24
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002081474-25-000003.hdr.sgml**: 20251205

**ACCESSION NUMBER**: 0002081474-25-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251205

**DATE AS OF CHANGE**: 20251205

**EFFECTIVENESS DATE**: 20251205

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vestwell Advisors, LLC
- **CENTRAL INDEX KEY:** 0002081474

**ORGANIZATION NAME:**
- **EIN:** 813072749
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25784
- **FILM NUMBER:** 251552710

**BUSINESS ADDRESS:**
- **STREET 1:** 360 MADISON AVENUE, 15TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10017
- **BUSINESS PHONE:** 9179795358

**MAIL ADDRESS:**
- **STREET 1:** 360 MADISON AVENUE, 15TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10017

### 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:** Vestwell Advisors LLC<br>**Address:** 360 MADISON AVENUE 15TH FLOOR<br>NEW YORK, NY 10017

**Form 13F File Number:** 028-25784

**CRD Number (if applicable):** 000284173

**SEC File Number (if applicable):** 801-107981

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:** Allison Brecher<br>**Title:** General Counsel and CCO<br>**Phone:** 917-979-5358

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

Allison Brecher  New York, NY  12-05-2025<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:** 49

**Form 13F Information Table Value Total:** $280336616

      (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

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|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 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 |
| iShares Tr | iShares Core S 500 ETF | 464287200 |  | 65836448 | 98366 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares Tr | iShares Core US Aggregate Bond ETF | 464287226 |  | 40932209 | 408301 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Schwab Strategic Tr | Schwab US Large-Cap Growth ETF | 808524300 |  | 37288411 | 1168550 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Schwab Strategic Tr | Schwab International Equity ETF | 808524805 |  | 36175542 | 1553932 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Index FDS | Vanguard Value ETF | 922908744 |  | 27424556 | 147056 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Intl Equity Index F | Vanguard FTSE Emerging Markets ETF | 922042858 |  | 17653501 | 32583 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Schwab Strategic Tr | Schwab US Broad Market ETF | 808524102 |  | 11211895 | 436091 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Index FDS | Vanguard Mid-Cap ETF | 922908629 |  | 9953531 | 33886 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares TR | iShares Core International Aggt Bd ETF | 46435G672 |  | 6881079 | 134317 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares Tr | iShares Core S Small-Cap ETF | 464287804 |  | 6557530 | 55184 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Intl Equity Index F | Vanguard Total World Stock ETF | 922042742 |  | 4936071 | 358201 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Schwab Strategic Tr | Schwab US REIT ETF | 808524847 |  | 3449781 | 159934 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Index FDS | Vanguard Small-Cap Growth ETF | 922908595 |  | 2022096 | 6794 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Index FDS | Vanguard Small-Cap Value ETF | 922908611 |  | 1506293 | 7218 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares TR | iShares Broad USD High Yield Corp Bd ETF | 46435U853 |  | 1173978 | 31074 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Malvern FDS | Vanguard Short-Term Infl-Prot Secs ETF | 922020805 |  | 719750 | 14215 | PRN |  | SOLE |  | 0 | 0 | 0 |
| SPDR Series Trust | State Street SPDR S 600 Sm CpValETF | 78464A300 |  | 704167 | 7943 | PRN |  | SOLE |  | 0 | 0 | 0 |
| SPDR Series Trust | State Street SPDR S 600 Sm Cp GrETF | 78464A201 |  | 676003 | 7168 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares Tr | iShares Core S Total US Stock Mkt ETF | 464287150 |  | 591197 | 4059 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Schwab Strategic Tr | Schwab Short-Term US Treasury ETF | 808524862 |  | 556125 | 22792 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Scottsdale FDS | Vanguard Short-Term Treasury ETF | 92206C102 |  | 540771 | 9189 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares Tr | iShares Short Treasury Bond ETF | 464288679 |  | 532201 | 4817 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard | Vanguard Total Stock Market ETF | 922908769 |  | 463099 | 1411 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard World FD | Vanguard Information Technology ETF | 92204A702 |  | 341577 | 458 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard | Vanguard FTSE Developed Markets ETF | 921943858 |  | 14787 | 2468 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Schwab Strategic Tr | Schwab US Aggregate Bond ETF | 808524839 |  | 125443 | 5344 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Avantis Investors | Avantis US Small Cap Value ETF | 025072877 |  | 116286 | 1169 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares Tr | iShares TIPS Bond ETF | 464287176 |  | 110915 | 998 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares TR | iShares MSCI USA Quality Factor ETF | 46432F339 |  | 80443 | 414 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Schwab Strategic Tr | Schwab Emerging Markets Equity ETF | 808524706 |  | 797267 | 2389 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares TR | iShares Russell Mid-Cap ETF | 464287499 |  | 68423 | 709 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Avantis Investors | Avantis International Small Cap Val ETF | 025072802 |  | 66027 | 742 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares | iShares Russell Top 200 Growth ETF | 464289438 |  | 50680 | 185 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares | iShares US Technology ETF | 464287721 |  | 50603 | 258 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Invesco | Invesco NASDAQ 100 ETF | 46138G649 |  | 50554 | 205 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard | Vanguard S 500 ETF | 922908363 |  | 50542 | 83 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Dimensional Fund Advisors | Dimensional US Small Cap ETF | 25434V500 |  | 482512 | 705 | PRN |  | SOLE |  | 0 | 0 | 0 |
| VanEck ETF Trust | VanEck Fallen Angel HiYld Bd ETF | 92189F437 |  | 28097 | 945 | PRN |  | SOLE |  | 0 | 0 | 0 |
| SPDR | SPDR Gold Shares | 78463V107 |  | 26842 | 76 | PRN |  | SOLE |  | 0 | 0 | 0 |
| SPDR | The Technology Select Sector SPDR ETF | 81369Y803 |  | 18656 | 66 | PRN |  | SOLE |  | 0 | 0 | 0 |
| SPDR | The Comm Svcs Sel Sect SPDR ETF | 81369Y852 |  | 18526 | 156 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Intl Equity Index F | Vanguard FTSE All-Wld ex-US SmCp ETF | 922042718 |  | 17393 | 122 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares | iShares Core MSCI Total Intl Stk ETF | 46432F834 |  | 28612 | 35 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Schwab | Schwab Intermediate-Term US Trs ETF | 808524854 |  | 2346 | 93 | PRN |  | SOLE |  | 0 | 0 | 0 |
| SPDR | State Street SPDR S/t Corp Bd ETF | 78464A474 |  | 2336 | 77 | PRN |  | SOLE |  | 0 | 0 | 0 |
| SPDR | The Real Estate Select Sector SPDR | 81369Y860 |  | 1515 | 40 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares TR | iShares ESG U.S. Aggregate Bond ETF | 46435U549 |  | 0 | 0 | PRN |  | SOLE |  | 0 | 0 | 0 |
| Vanguard Index FDS | Vanguard Large-Cap ETF | 922908637 |  | 0 | 0 | PRN |  | SOLE |  | 0 | 0 | 0 |
| iShares TR | iShares Aaa - A Rated Corporate Bond ETF | 46429B291 |  | 0 | 0 | PRN |  | SOLE |  | 0 | 0 | 0 |

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