# EDGAR Filing Document

**Accession Number:** 0001730813
**File Stem:** 0001730813-23-000004
**Filing Date:** 2023-2
**Character Count:** 10856
**Document Hash:** b8a99e34dec7edf21c98f22272fcc655
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001730813-23-000004.hdr.sgml**: 20230207

**ACCESSION NUMBER**: 0001730813-23-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230207

**DATE AS OF CHANGE**: 20230207

**EFFECTIVENESS DATE**: 20230207

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FINANCIAL LIFE ADVISORS
- **CENTRAL INDEX KEY:** 0001730813
- **IRS NUMBER:** 200201132
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18655
- **FILM NUMBER:** 23594559

**BUSINESS ADDRESS:**
- **STREET 1:** 14607 SAN PEDRO AVE #190
- **CITY:** SAN ANTONIO
- **STATE:** TX
- **ZIP:** 78232
- **BUSINESS PHONE:** (210) 918-8998

**MAIL ADDRESS:**
- **STREET 1:** 14607 SAN PEDRO AVE #190
- **CITY:** SAN ANTONIO
- **STATE:** TX
- **ZIP:** 78232

### 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:** FINANCIAL LIFE ADVISORS<br>**Address:** 14607 SAN PEDRO AVE #190<br>SAN ANTONIO, TX 78232

**Form 13F File Number:** 028-18655

**CRD Number (if applicable):** 000128502

**SEC File Number (if applicable):** 801-111024

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:** Nate Morris<br>**Title:** Asst Compliance Officer<br>**Phone:** 210-547-4216

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

Nate Morris  San Antonio, TX  02-07-2023<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:** 70

**Form 13F Information Table Value Total:** $216756023

      (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 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 1970693 | 42199 | SH |  | SOLE |  | 0 | 0 | 42199 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2918698 | 30840 | SH |  | SOLE |  | 0 | 0 | 30840 |
| ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 |  | 1395067 | 49488 | SH |  | SOLE |  | 0 | 0 | 49488 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 5201915 | 62105 | SH |  | SOLE |  | 0 | 0 | 62105 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 8146813 | 177568 | SH |  | SOLE |  | 0 | 0 | 177568 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 5000442 | 69354 | SH |  | SOLE |  | 0 | 0 | 69354 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 2037252 | 22353 | SH |  | SOLE |  | 0 | 0 | 22353 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2851678 | 27025 | SH |  | SOLE |  | 0 | 0 | 27025 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 21565845 | 368647 | SH |  | SOLE |  | 0 | 0 | 368647 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 24049095 | 165776 | SH |  | SOLE |  | 0 | 0 | 165776 |
| ISHARES TR | US HLTHCARE ETF | 464287762 |  | 2704624 | 9533 | SH |  | SOLE |  | 0 | 0 | 9533 |
| SPDR SER TR | PORTFOLIO LN TSR | 78464A664 |  | 7556219 | 260290 | SH |  | SOLE |  | 0 | 0 | 260290 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1702741 | 9277 | SH |  | SOLE |  | 0 | 0 | 9277 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1985143 | 40112 | SH |  | SOLE |  | 0 | 0 | 40112 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 6655784 | 47416 | SH |  | SOLE |  | 0 | 0 | 47416 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 16906309 | 376281 | SH |  | SOLE |  | 0 | 0 | 376281 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 2713487 | 90239 | SH |  | SOLE |  | 0 | 0 | 90239 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 3497321 | 65925 | SH |  | SOLE |  | 0 | 0 | 65925 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 19981233 | 437705 | SH |  | SOLE |  | 0 | 0 | 437705 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 6267139 | 29408 | SH |  | SOLE |  | 0 | 0 | 29408 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 1358069 | 19549 | SH |  | SOLE |  | 0 | 0 | 19549 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 907888 | 36891 | SH |  | SOLE |  | 0 | 0 | 36891 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 352030 | 2603 | SH |  | SOLE |  | 0 | 0 | 2603 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 1633879 | 16411 | SH |  | SOLE |  | 0 | 0 | 16411 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 6092899 | 123064 | SH |  | SOLE |  | 0 | 0 | 123064 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 5952452 | 96568 | SH |  | SOLE |  | 0 | 0 | 96568 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 2019817 | 13841 | SH |  | SOLE |  | 0 | 0 | 13841 |
| ISHARES U S ETF TR | BLACKROCK ST MAT | 46431W507 |  | 1430456 | 29033 | SH |  | SOLE |  | 0 | 0 | 29033 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 3203789 | 70382 | SH |  | SOLE |  | 0 | 0 | 70382 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 537049 | 13134 | SH |  | SOLE |  | 0 | 0 | 13134 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 1203650 | 24073 | SH |  | SOLE |  | 0 | 0 | 24073 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 2202592 | 43763 | SH |  | SOLE |  | 0 | 0 | 43763 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 3478134 | 47238 | SH |  | SOLE |  | 0 | 0 | 47238 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 2847559 | 27009 | SH |  | SOLE |  | 0 | 0 | 27009 |
| ISHARES TR | INTL DIV GRWTH | 46435G524 |  | 1467663 | 25467 | SH |  | SOLE |  | 0 | 0 | 25467 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 437006 | 14314 | SH |  | SOLE |  | 0 | 0 | 14314 |
| SPDR SER TR | BLOOMBERG 3-12 M | 78468R523 |  | 825298 | 8312 | SH |  | SOLE |  | 0 | 0 | 8312 |
| SPDR SER TR | PORTFOLIO LN COR | 78464A367 |  | 1986690 | 88494 | SH |  | SOLE |  | 0 | 0 | 88494 |
| SPDR SER TR | PRTFLO S HI | 78468R788 |  | 1551892 | 39209 | SH |  | SOLE |  | 0 | 0 | 39209 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 10457318 | 209902 | SH |  | SOLE |  | 0 | 0 | 209902 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1744665 | 37351 | SH |  | SOLE |  | 0 | 0 | 37351 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1379499 | 5703 | SH |  | SOLE |  | 0 | 0 | 5703 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 370575 | 969 | SH |  | SOLE |  | 0 | 0 | 969 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 303440 | 950 | SH |  | SOLE |  | 0 | 0 | 950 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 2043694 | 24160 | SH |  | SOLE |  | 0 | 0 | 24160 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 265376 | 1522 | SH |  | SOLE |  | 0 | 0 | 1522 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3586253 | 85448 | SH |  | SOLE |  | 0 | 0 | 85448 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1058580 | 27157 | SH |  | SOLE |  | 0 | 0 | 27157 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 347296 | 1932 | SH |  | SOLE |  | 0 | 0 | 1932 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 498743 | 2487 | SH |  | SOLE |  | 0 | 0 | 2487 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 426371 | 2092 | SH |  | SOLE |  | 0 | 0 | 2092 |
| SPDR SER TR | SSGA US LRG ETF | 78468R804 |  | 497355 | 3667 | SH |  | SOLE |  | 0 | 0 | 3667 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 608288 | 10972 | SH |  | SOLE |  | 0 | 0 | 10972 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 403024 | 6263 | SH |  | SOLE |  | 0 | 0 | 6263 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 423043 | 2664 | SH |  | SOLE |  | 0 | 0 | 2664 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 299408 | 3126 | SH |  | SOLE |  | 0 | 0 | 3126 |
| ISHARES TR | MBS ETF | 464288588 |  | 221209 | 2385 | SH |  | SOLE |  | 0 | 0 | 2385 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 351524 | 3198 | SH |  | SOLE |  | 0 | 0 | 3198 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 1107989 | 17981 | SH |  | SOLE |  | 0 | 0 | 17981 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1260520 | 12089 | SH |  | SOLE |  | 0 | 0 | 12089 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1110632 | 11451 | SH |  | SOLE |  | 0 | 0 | 11451 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 496151 | 8930 | SH |  | SOLE |  | 0 | 0 | 8930 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 259781 | 3455 | SH |  | SOLE |  | 0 | 0 | 3455 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 989380 | 13772 | SH |  | SOLE |  | 0 | 0 | 13772 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 276302 | 2505 | SH |  | SOLE |  | 0 | 0 | 2505 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 211074 | 1104 | SH |  | SOLE |  | 0 | 0 | 1104 |
| INVESCO EXCH TRADED FD TR II | EMRNG MKT SVRG | 46138E784 |  | 480696 | 25747 | SH |  | SOLE |  | 0 | 0 | 25747 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 213894 | 2206 | SH |  | SOLE |  | 0 | 0 | 2206 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 225750 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 241883 | 10848 | SH |  | SOLE |  | 0 | 0 | 10848 |

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