# EDGAR Filing Document

**Accession Number:** 0002053368
**File Stem:** 0002053368-25-000004
**Filing Date:** 2025-8
**Character Count:** 8999
**Document Hash:** 7121da187e3e44ffeea371144d182164
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002053368-25-000004.hdr.sgml**: 20250808

**ACCESSION NUMBER**: 0002053368-25-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250808

**DATE AS OF CHANGE**: 20250808

**EFFECTIVENESS DATE**: 20250808

**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:** 251197448

**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:** 06-30-2025

**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:** 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

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  08-08-2025<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:** 54

**Form 13F Information Table Value Total:** $122920048

      (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 |
| FS KKR CAP CORP | COM | 302635206 |  | 200407 | 9658 | SH |  | SOLE |  | 0 | 0 | 9658 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 206569 | 1916 | SH |  | SOLE |  | 0 | 0 | 1916 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 219970 | 2418 | SH |  | SOLE |  | 0 | 0 | 2418 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 221441 | 751 | SH |  | SOLE |  | 0 | 0 | 751 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 221676 | 2024 | SH |  | SOLE |  | 0 | 0 | 2024 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 226565 | 1277 | SH |  | SOLE |  | 0 | 0 | 1277 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 252476 | 871 | SH |  | SOLE |  | 0 | 0 | 871 |
| THE CIGNA GROUP | COM | 125523100 |  | 291413 | 882 | SH |  | SOLE |  | 0 | 0 | 882 |
| ORACLE CORP | COM | 68389X105 |  | 313978 | 1436 | SH |  | SOLE |  | 0 | 0 | 1436 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 335725 | 474 | SH |  | SOLE |  | 0 | 0 | 474 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 352777 | 1635 | SH |  | SOLE |  | 0 | 0 | 1635 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 366165 | 4297 | SH |  | SOLE |  | 0 | 0 | 4297 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F664 |  | 369296 | 8249 | SH |  | SOLE |  | 0 | 0 | 8249 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 377805 | 2030 | SH |  | SOLE |  | 0 | 0 | 2030 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 395387 | 696 | SH |  | SOLE |  | 0 | 0 | 696 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 400362 | 6455 | SH |  | SOLE |  | 0 | 0 | 6455 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 402494 | 2072 | SH |  | SOLE |  | 0 | 0 | 2072 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 407365 | 20731 | SH |  | SOLE |  | 0 | 0 | 20731 |
| SERVICENOW INC | COM | 81762P102 |  | 410204 | 399 | SH |  | SOLE |  | 0 | 0 | 399 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 415470 | 948 | SH |  | SOLE |  | 0 | 0 | 948 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 421631 | 4734 | SH |  | SOLE |  | 0 | 0 | 4734 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 423763 | 5830 | SH |  | SOLE |  | 0 | 0 | 5830 |
| NRG ENERGY INC | COM NEW | 629377508 |  | 450612 | 2806 | SH |  | SOLE |  | 0 | 0 | 2806 |
| RTX CORPORATION | COM | 75513E101 |  | 491277 | 3364 | SH |  | SOLE |  | 0 | 0 | 3364 |
| TESLA INC | COM | 88160R101 |  | 501682 | 1579 | SH |  | SOLE |  | 0 | 0 | 1579 |
| SALESFORCE INC | COM | 79466L302 |  | 505614 | 1854 | SH |  | SOLE |  | 0 | 0 | 1854 |
| VISA INC | COM CL A | 92826C839 |  | 506603 | 1427 | SH |  | SOLE |  | 0 | 0 | 1427 |
| BANK AMERICA CORP | COM | 060505104 |  | 569027 | 12025 | SH |  | SOLE |  | 0 | 0 | 12025 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 588890 | 1387 | SH |  | SOLE |  | 0 | 0 | 1387 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 677635 | 34715 | SH |  | SOLE |  | 0 | 0 | 34715 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 683205 | 3338 | SH |  | SOLE |  | 0 | 0 | 3338 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 754908 | 14415 | SH |  | SOLE |  | 0 | 0 | 14415 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 802666 | 38814 | SH |  | SOLE |  | 0 | 0 | 38814 |
| META PLATFORMS INC | CL A | 30303M102 |  | 855448 | 1159 | SH |  | SOLE |  | 0 | 0 | 1159 |
| ELI LILLY  CO | COM | 532457108 |  | 937371 | 1202 | SH |  | SOLE |  | 0 | 0 | 1202 |
| WISDOMTREE BITCOIN FD | SHS BEN INT | 97720F101 |  | 1158332 | 10141 | SH |  | SOLE |  | 0 | 0 | 10141 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 1160282 | 56627 | SH |  | SOLE |  | 0 | 0 | 56627 |
| NETFLIX INC | COM | 64110L106 |  | 1292073 | 965 | SH |  | SOLE |  | 0 | 0 | 965 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 1347348 | 3058 | SH |  | SOLE |  | 0 | 0 | 3058 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1703737 | 2758 | SH |  | SOLE |  | 0 | 0 | 2758 |
| AMAZON COM INC | COM | 023135106 |  | 1875064 | 8547 | SH |  | SOLE |  | 0 | 0 | 8547 |
| ARK ETF TR | FINTECH INNOVA | 00214Q708 |  | 1910628 | 38030 | SH |  | SOLE |  | 0 | 0 | 38030 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 2287558 | 4038 | SH |  | SOLE |  | 0 | 0 | 4038 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 2672110 | 7297 | SH |  | SOLE |  | 0 | 0 | 7297 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 2771368 | 2800 | SH |  | SOLE |  | 0 | 0 | 2800 |
| ROBINHOOD MKTS INC | COM CL A | 770700102 |  | 3558783 | 38009 | SH |  | SOLE |  | 0 | 0 | 38009 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 3640403 | 26705 | SH |  | SOLE |  | 0 | 0 | 26705 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 3885435 | 7999 | SH |  | SOLE |  | 0 | 0 | 7999 |
| AXON ENTERPRISE INC | COM | 05464C101 |  | 4144887 | 5006 | SH |  | SOLE |  | 0 | 0 | 5006 |
| MICROSOFT CORP | COM | 594918104 |  | 4506741 | 9060 | SH |  | SOLE |  | 0 | 0 | 9060 |
| APPLE INC | COM | 037833100 |  | 5348929 | 26071 | SH |  | SOLE |  | 0 | 0 | 26071 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 12421541 | 78622 | SH |  | SOLE |  | 0 | 0 | 78622 |
| ISHARES TR | CORE S ETF | 464287200 |  | 24488396 | 39440 | SH |  | SOLE |  | 0 | 0 | 39440 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 27188556 | 49287 | SH |  | SOLE |  | 0 | 0 | 49287 |

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