A Concentrated Core of ETFs and Leaders (Image Credits: Unsplash)
Tempe, Arizona-based Financial Life Planners disclosed a concentrated portfolio in its latest quarterly filing with the Securities and Exchange Commission. The firm reported managing $139 million across 61 holdings as of December 31, 2025.[1][2] Nearly 44 percent of assets sat in two flagship exchange-traded funds, underscoring a strategy favoring broad market exposure amid volatile conditions.
A Concentrated Core of ETFs and Leaders
The filing highlighted an emphasis on established index products. Invesco QQQ Trust commanded the largest slice at almost 23 percent of the portfolio, reflecting confidence in Nasdaq-100 components.[2] iShares Core S&P 500 ETF followed closely with over 20 percent, providing diversified large-cap stability.
This duo alone accounted for substantial weighting, a pattern common among registered investment advisers seeking efficient beta exposure. Nvidia Corp. ranked third at more than 10 percent, signaling continued optimism in artificial intelligence and semiconductors.[2] Apple Inc. and Palantir Technologies rounded out the top five, each holding positions around 4 to 5 percent and 3 to 4 percent, respectively.
Low Turnover Signals Steady Management
Financial Life Planners demonstrated restraint with a turnover rate of just 2 percent during the quarter. The firm introduced no entirely new positions, opting instead for measured tweaks to existing stakes.[2] Such stability contrasts with more active managers navigating late-2025 market swings driven by interest rate shifts and tech sector rotations.
Earlier reports noted specific adjustments, including a reduction in Axon Enterprise shares by over 11 percent and trims in Netflix. Gains appeared in names like Goldman Sachs Group and Broadcom, where the firm added modestly to positions.[3] These moves suggest fine-tuning rather than wholesale shifts.
- Sold 605 shares of Axon Enterprise (11.45% reduction)
- Added 157 shares of Goldman Sachs Group (25.82% increase)
- Purchased 1,316 shares of Broadcom
- Reduced Netflix stake by 1,341 shares
Firm Profile and Market Context
Operating from Tempe, Financial Life Planners functions as a registered investment adviser overseeing more than $100 million in assets. The firm’s client base likely includes individuals and families, given its focus on life planning alongside investments.[4] Its 13F disclosures offer a window into strategies employed for retail-oriented portfolios.
The Q4 positioning arrived as equity markets grappled with economic uncertainties. Heavy ETF reliance mitigates single-stock risk, while outsized Nvidia exposure bets on sustained AI demand. Apple and Palantir further tilt toward innovation-driven growth.
| Top Holding | % of Portfolio |
|---|---|
| QQQ | 22.98% |
| IVV | 20.62% |
| NVDA | 10.35% |
| AAPL | 4.85% |
| PLTR | 3.77% |
Implications for Investors Watching 13Fs
Revealed through mandatory SEC filings, 13F reports like this one provide public insights into institutional thinking. Financial Life Planners’ approach prioritizes core holdings with minimal churn, potentially appealing to long-term allocators.
As markets evolve into 2026, the firm’s next disclosure – due mid-May – will clarify if this tech-ETF blend endures. For now, it exemplifies disciplined navigation in a high-stakes environment, balancing growth potential against broader indices.
Investors tracking similar RIAs may find value in monitoring how such portfolios perform against benchmarks. Steady allocation to proven names offers a benchmark for personal strategies amid ongoing volatility.