Roger Wittlin Investment Advisory, LLC Diversified Active

CIK: 0001911328 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Jan 20, 2026

Total Value ($000): $142,989 (100.0% shares, 0.0% debt)

Holdings (39)

New Positions (3)

FNDX SCHWAB STRATEGIC TR 0.2%

Value ($000) $343 Shares 12,591 Est. Cost $27.21 Unrealized —

VT VANGUARD INTL EQUITY INDEX F 0.2%

Value ($000) $298 Shares 2,114 Est. Cost $141.07 Unrealized —

SCHF SCHWAB STRATEGIC TR 0.2%

Value ($000) $260 Shares 10,834 Est. Cost $24.04 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FNDX	SCHWAB STRATEGIC TR	12,591	$343	0.2%	$27.21	—	FUNDAMENTAL US L	808524771
VT	VANGUARD INTL EQUITY INDEX F	2,114	$298	0.2%	$141.07	—	TT WRLD ST ETF	922042742
SCHF	SCHWAB STRATEGIC TR	10,834	$260	0.2%	$24.04	—	INTL EQTY ETF	808524805

Increased Positions (6)

IAU ISHARES GOLD TR 2.1%

Value ($000) $2,940 (+17.7%) Shares 36,220 (+5.5%) Est. Cost $69.12 Unrealized —

VXUS VANGUARD STAR FDS 2.5%

Value ($000) $3,534 (+7.7%) Shares 46,844 (+4.9%) Est. Cost $58.69 Unrealized —

EFA ISHARES TR 0.2%

Value ($000) $216 (+4.7%) Shares 2,254 (+1.9%) Est. Cost $93.44 Unrealized —

IUSB ISHARES TR 0.4%

Value ($000) $579 (+1.0%) Shares 12,448 (+1.4%) Est. Cost $46.37 Unrealized —

SHY ISHARES TR 0.2%

Value ($000) $309 (+1.1%) Shares 3,725 (+1.3%) Est. Cost $82.87 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 0.2%

Value ($000) $221 (+1.2%) Shares 2,766 (+1.5%) Est. Cost $77.50 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IAU	ISHARES GOLD TR	36,220 (+5.5%)	$2,940 (+17.7%)	2.1%	$69.12	—	ISHARES NEW	464285204
VXUS	VANGUARD STAR FDS	46,844 (+4.9%)	$3,534 (+7.7%)	2.5%	$58.69	—	VG TL INTL STK F	921909768
EFA	ISHARES TR	2,254 (+1.9%)	$216 (+4.7%)	0.2%	$93.44	—	MSCI EAFE ETF	464287465
IUSB	ISHARES TR	12,448 (+1.4%)	$579 (+1.0%)	0.4%	$46.37	—	CORE UNIVRSL USD	46434V613
SHY	ISHARES TR	3,725 (+1.3%)	$309 (+1.1%)	0.2%	$82.87	—	1 3 YR TREAS BD	464287457
VCSH	VANGUARD SCOTTSDALE FDS	2,766 (+1.5%)	$221 (+1.2%)	0.2%	$77.50	—	SHRT TRM CORP BD	92206C409

Exited Positions (5)

ICSH ISHARES TR 0.3%

Value ($000) $486 Shares 9,572 Est. Cost $50.11 Unrealized —

RBRK RUBRIK INC. 0.3%

Value ($000) $396 Shares 4,817 Est. Cost $49.40 Unrealized +55.3%

VNQ VANGUARD INDEX FDS 0.2%

Value ($000) $333 Shares 3,639 Est. Cost $88.52 Unrealized —

EQR EQUITY RESIDENTIAL 0.2%

Value ($000) $264 Shares 4,085 Est. Cost $54.92 Unrealized +10.5%

VCIT VANGUARD SCOTTSDALE FDS 0.2%

Value ($000) $257 Shares 3,052 Est. Cost $79.09 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
ICSH	ISHARES TR	9,572	$486	0.3%	$50.11	—	—	46434V878
RBRK	RUBRIK INC.	4,817	$396	0.3%	$49.40	+55.3%	—	781154109
VNQ	VANGUARD INDEX FDS	3,639	$333	0.2%	$88.52	—	—	922908553
EQR	EQUITY RESIDENTIAL	4,085	$264	0.2%	$54.92	+10.5%	—	29476L107
VCIT	VANGUARD SCOTTSDALE FDS	3,052	$257	0.2%	$79.09	—	—	92206C870

Decreased Positions (28)

VTI VANGUARD INDEX FDS 21.1%

Value ($000) $30,174 (-17.4%) Shares 89,999 (-19.2%) Est. Cost $219.09 Unrealized —

IVV ISHARES TR 13.7%

Value ($000) $19,559 (-22.4%) Shares 28,556 (-24.2%) Est. Cost $472.03 Unrealized —

LONZ PIMCO ETF TR 5.3%

Value ($000) $7,509 (-36.8%) Shares 149,349 (-35.9%) Est. Cost $49.85 Unrealized —

VLU SPDR SERIES TRUST 3.5%

Value ($000) $5,047 (-37.0%) Shares 23,959 (-39.0%) Est. Cost $148.84 Unrealized —

QQQ INVESCO QQQ TR 3.7%

Value ($000) $5,254 (-29.2%) Shares 8,553 (-30.8%) Est. Cost $349.34 Unrealized —

ITOT ISHARES TR 9.8%

Value ($000) $14,006 (-13.3%) Shares 94,193 (-15.1%) Est. Cost $102.84 Unrealized —

SCHB SCHWAB STRATEGIC TR 9.1%

Value ($000) $13,071 (-13.7%) Shares 498,333 (-15.4%) Est. Cost $30.96 Unrealized —

PLTR PALANTIR TECHNOLOGIES INC 0.7%

Value ($000) $948 (-56.6%) Shares 5,336 (-55.5%) Est. Cost $7.83 Unrealized +2213.2%

IJH ISHARES TR 0.8%

Value ($000) $1,131 (-49.4%) Shares 17,143 (-50.0%) Est. Cost $157.35 Unrealized —

RSP INVESCO EXCHANGE TRADED FD T 2.2%

Value ($000) $3,095 (-25.6%) Shares 16,159 (-26.3%) Est. Cost $164.42 Unrealized —

SPY SPDR S&P 500 ETF TR 6.1%

Value ($000) $8,743 (-10.3%) Shares 12,821 (-12.4%) Est. Cost $519.44 Unrealized —

BOND PIMCO ETF TR 2.6%

Value ($000) $3,762 (-18.7%) Shares 40,421 (-18.5%) Est. Cost $92.13 Unrealized —

VOO VANGUARD INDEX FDS 0.7%

Value ($000) $938 (-47.0%) Shares 1,496 (-48.2%) Est. Cost $527.59 Unrealized —

VO VANGUARD INDEX FDS 3.3%

Value ($000) $4,676 (-15.0%) Shares 16,110 (-13.9%) Est. Cost $208.02 Unrealized —

VMBS VANGUARD SCOTTSDALE FDS 0.9%

Value ($000) $1,334 (-35.9%) Shares 28,328 (-36.1%) Est. Cost $45.78 Unrealized —

BND VANGUARD BD INDEX FDS 1.1%

Value ($000) $1,637 (-29.7%) Shares 22,103 (-29.4%) Est. Cost $72.55 Unrealized —

VGK VANGUARD INTL EQUITY INDEX F 0.6%

Value ($000) $921 (-38.0%) Shares 11,019 (-40.8%) Est. Cost $62.08 Unrealized —

SPMO INVESCO EXCH TRADED FD TR II 0.6%

Value ($000) $858 (-34.5%) Shares 7,189 (-33.6%) Est. Cost $112.47 Unrealized —

SDY SPDR SERIES TRUST 1.0%

Value ($000) $1,411 (-21.2%) Shares 10,138 (-20.7%) Est. Cost $124.54 Unrealized —

IGSB ISHARES TR 0.4%

Value ($000) $607 (-33.4%) Shares 11,482 (-33.2%) Est. Cost $49.92 Unrealized —

PYLD PIMCO ETF TR 0.9%

Value ($000) $1,290 (-18.9%) Shares 48,338 (-18.5%) Est. Cost $25.89 Unrealized —

IEFA ISHARES TR 1.1%

Value ($000) $1,551 (-13.3%) Shares 17,337 (-15.4%) Est. Cost $70.43 Unrealized —

MINT PIMCO ETF TR 1.0%

Value ($000) $1,373 (-11.1%) Shares 13,683 (-10.8%) Est. Cost $100.40 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 1.2%

Value ($000) $1,671 (-8.7%) Shares 7,604 (-10.4%) Est. Cost $154.30 Unrealized —

LQD ISHARES TR 0.6%

Value ($000) $854 (-10.6%) Shares 7,749 (-9.6%) Est. Cost $105.41 Unrealized —

GLD SPDR GOLD TR 0.9%

Value ($000) $1,303 (+2.5%) Shares 3,289 (-8.1%) Est. Cost $184.74 Unrealized —

FLRN SPDR SERIES TRUST 0.1%

Value ($000) $203 (-12.1%) Shares 6,599 (-11.7%) Est. Cost $30.83 Unrealized —

AGG ISHARES TR 0.5%

Value ($000) $648 (-1.8%) Shares 6,489 (-1.4%) Est. Cost $97.42 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VTI	VANGUARD INDEX FDS	89,999 (-19.2%)	$30,174 (-17.4%)	21.1%	$219.09	—	TOTAL STK MKT	922908769
IVV	ISHARES TR	28,556 (-24.2%)	$19,559 (-22.4%)	13.7%	$472.03	—	CORE S&P500 ETF	464287200
LONZ	PIMCO ETF TR	149,349 (-35.9%)	$7,509 (-36.8%)	5.3%	$49.85	—	SR LN ACTIVE ETF	72201R627
VLU	SPDR SERIES TRUST	23,959 (-39.0%)	$5,047 (-37.0%)	3.5%	$148.84	—	STATE STREET SPD	78464A128
QQQ	INVESCO QQQ TR	8,553 (-30.8%)	$5,254 (-29.2%)	3.7%	$349.34	—	UNIT SER 1	46090E103
ITOT	ISHARES TR	94,193 (-15.1%)	$14,006 (-13.3%)	9.8%	$102.84	—	CORE S&P TTL STK	464287150
SCHB	SCHWAB STRATEGIC TR	498,333 (-15.4%)	$13,071 (-13.7%)	9.1%	$30.96	—	US BRD MKT ETF	808524102
PLTR	PALANTIR TECHNOLOGIES INC	5,336 (-55.5%)	$948 (-56.6%)	0.7%	$7.83	+2213.2%	CL A	69608A108
IJH	ISHARES TR	17,143 (-50.0%)	$1,131 (-49.4%)	0.8%	$157.35	—	CORE S&P MCP ETF	464287507
RSP	INVESCO EXCHANGE TRADED FD T	16,159 (-26.3%)	$3,095 (-25.6%)	2.2%	$164.42	—	S&P500 EQL WGT	46137V357
SPY	SPDR S&P 500 ETF TR	12,821 (-12.4%)	$8,743 (-10.3%)	6.1%	$519.44	—	TR UNIT	78462F103
BOND	PIMCO ETF TR	40,421 (-18.5%)	$3,762 (-18.7%)	2.6%	$92.13	—	ACTIVE BD ETF	72201R775
VOO	VANGUARD INDEX FDS	1,496 (-48.2%)	$938 (-47.0%)	0.7%	$527.59	—	S&P 500 ETF SHS	922908363
VO	VANGUARD INDEX FDS	16,110 (-13.9%)	$4,676 (-15.0%)	3.3%	$208.02	—	MID CAP ETF	922908629
VMBS	VANGUARD SCOTTSDALE FDS	28,328 (-36.1%)	$1,334 (-35.9%)	0.9%	$45.78	—	MTG-BKD SECS ETF	92206C771
BND	VANGUARD BD INDEX FDS	22,103 (-29.4%)	$1,637 (-29.7%)	1.1%	$72.55	—	TOTAL BND MRKT	921937835
VGK	VANGUARD INTL EQUITY INDEX F	11,019 (-40.8%)	$921 (-38.0%)	0.6%	$62.08	—	FTSE EUROPE ETF	922042874
SPMO	INVESCO EXCH TRADED FD TR II	7,189 (-33.6%)	$858 (-34.5%)	0.6%	$112.47	—	S&P 500 MOMNTM	46138E339
SDY	SPDR SERIES TRUST	10,138 (-20.7%)	$1,411 (-21.2%)	1.0%	$124.54	—	STATE STREET SPD	78464A763
IGSB	ISHARES TR	11,482 (-33.2%)	$607 (-33.4%)	0.4%	$49.92	—	ISHS 1-5YR INVS	464288646
PYLD	PIMCO ETF TR	48,338 (-18.5%)	$1,290 (-18.9%)	0.9%	$25.89	—	MULTISECTOR BD	72201R585
IEFA	ISHARES TR	17,337 (-15.4%)	$1,551 (-13.3%)	1.1%	$70.43	—	CORE MSCI EAFE	46432F842
MINT	PIMCO ETF TR	13,683 (-10.8%)	$1,373 (-11.1%)	1.0%	$100.40	—	ENHAN SHRT MA AC	72201R833
VIG	VANGUARD SPECIALIZED FUNDS	7,604 (-10.4%)	$1,671 (-8.7%)	1.2%	$154.30	—	DIV APP ETF	921908844
LQD	ISHARES TR	7,749 (-9.6%)	$854 (-10.6%)	0.6%	$105.41	—	IBOXX INV CP ETF	464287242
GLD	SPDR GOLD TR	3,289 (-8.1%)	$1,303 (+2.5%)	0.9%	$184.74	—	GOLD SHS	78463V107
FLRN	SPDR SERIES TRUST	6,599 (-11.7%)	$203 (-12.1%)	0.1%	$30.83	—	STATE STREET SPD	78468R200
AGG	ISHARES TR	6,489 (-1.4%)	$648 (-1.8%)	0.5%	$97.42	—	CORE US AGGBD ET	464287226

Unchanged Positions (2)

PLD PROLOGIS INC. 0.2%

Value ($000) $272 Shares 2,131 Est. Cost $106.36 Unrealized +16.5%

SCHA SCHWAB STRATEGIC TR 0.3%

Value ($000) $442 Shares 15,504 Est. Cost $35.14 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
PLD	PROLOGIS INC.	2,131	$272	0.2%	$106.36	+16.5%	COM	74340W103
SCHA	SCHWAB STRATEGIC TR	15,504	$442	0.3%	$35.14	—	US SML CAP ETF	808524607