Vault-13

Efficient Advisors, LLC

BEAVERTON, OR · CIK 1542164 · 13F filing filed 2026-04-29

No investment adviser registration (Form ADV) found for this filer. It may be a parent company whose subsidiaries are the registered advisers, a bank or insurer, or a manager based outside the US.

$1.4bn reported value -17.8% vs Q4 2025
58positions
60.0%in top 10
0 new 8 added 47 reduced 0 sold out vs Q4 2025

This report includes the holdings of 1 other manager that shares the investment decisions:

Shares in two reports are counted once in each security's totals.

Holdings, Q1 2026

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#SecurityTickerShares Value% of portfolioChangeShares change
1 VANGUARD BD INDEX FDS TOTAL BND MRKT BND BND 1,543,560 $113.7m8.07% 8.07% AddedShares held: Q2 2025 1.5m, Q3 2025 1.5m, Q4 2025 1.5m, Q1 2026 1.5m +31.9k +31,866 2.1%
2 VANGUARD BD INDEX FDS INTERMED TERM BIV BIV 1,414,410 $109.2m7.75% 7.75% AddedShares held: Q2 2025 1.3m, Q3 2025 1.4m, Q4 2025 1.4m, Q1 2026 1.4m +42.4k +42,419 3.1%
3 VANGUARD INDEX FDS TOTAL STK MKT VTI VTI 332,381 $106.6m7.57% 7.57% ReducedShares held: Q2 2025 383.9k, Q3 2025 384.9k, Q4 2025 375.6k, Q1 2026 332.4k -43.3k -43,252 -11.5%
4 VANGUARD INDEX FDS S&P 500 ETF SHS VOO VOO 162,324 $97.0m6.89% 6.89% ReducedShares held: Q2 2025 181.1k, Q3 2025 183.4k, Q4 2025 179.3k, Q1 2026 162.3k -17.0k -16,952 -9.5%
5 VANGUARD INDEX FDS VALUE ETF VTV VTV 494,023 $96.9m6.88% 6.88% ReducedShares held: Q2 2025 568.8k, Q3 2025 586.9k, Q4 2025 582.9k, Q1 2026 494.0k -88.8k -88,839 -15.2%
6 VANGUARD INDEX FDS SM CP VAL ETF VBR VBR 397,932 $86.5m6.14% 6.14% ReducedShares held: Q2 2025 610.7k, Q3 2025 615.4k, Q4 2025 568.0k, Q1 2026 397.9k -170.1k -170,053 -29.9%
7 VANGUARD INDEX FDS SMALL CP ETF VB VB 316,200 $82.8m5.88% 5.88% ReducedShares held: Q2 2025 434.1k, Q3 2025 440.2k, Q4 2025 418.7k, Q1 2026 316.2k -102.5k -102,548 -24.5%
8 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US VEU VEU 723,486 $54.3m3.86% 3.86% ReducedShares held: Q2 2025 861.9k, Q3 2025 891.6k, Q4 2025 880.5k, Q1 2026 723.5k -157.1k -157,055 -17.8%
9 VANGUARD BD INDEX FDS SHORT TRM BOND BSV BSV 639,290 $50.1m3.56% 3.56% ReducedShares held: Q2 2025 792.0k, Q3 2025 842.0k, Q4 2025 770.6k, Q1 2026 639.3k -131.3k -131,330 -17.0%
10 VANGUARD INDEX FDS REAL ESTATE ETF VNQ VNQ 537,829 $47.7m3.39% 3.39% ReducedShares held: Q2 2025 551.7k, Q3 2025 589.4k, Q4 2025 606.7k, Q1 2026 537.8k -68.8k -68,847 -11.3%
11 VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF VSS VSS 287,104 $41.9m2.97% 2.97% ReducedShares held: Q2 2025 342.3k, Q3 2025 345.4k, Q4 2025 351.2k, Q1 2026 287.1k -64.1k -64,121 -18.3%
12 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA VEA 630,007 $40.4m2.87% 2.87% ReducedShares held: Q2 2025 757.4k, Q3 2025 780.9k, Q4 2025 779.7k, Q1 2026 630.0k -149.7k -149,726 -19.2%
13 VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF VGK VGK 488,451 $40.3m2.86% 2.86% ReducedShares held: Q2 2025 547.5k, Q3 2025 580.9k, Q4 2025 585.4k, Q1 2026 488.5k -96.9k -96,907 -16.6%
14 VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF VPL VPL 408,006 $39.9m2.83% 2.83% ReducedShares held: Q2 2025 534.6k, Q3 2025 533.1k, Q4 2025 528.3k, Q1 2026 408.0k -120.2k -120,248 -22.8%
15 VANGUARD STAR FDS VG TL INTL STK F VXUS VXUS 511,013 $39.4m2.80% 2.80% ReducedShares held: Q2 2025 640.5k, Q3 2025 650.2k, Q4 2025 639.0k, Q1 2026 511.0k -127.9k -127,945 -20.0%
16 VANGUARD MALVERN FDS STRM INFPROIDX VTIP VTIP 738,954 $36.9m2.62% 2.62% AddedShares held: Q2 2025 635.2k, Q3 2025 693.1k, Q4 2025 713.2k, Q1 2026 739.0k +25.8k +25,780 3.6%
17 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD VCSH VCSH 459,757 $36.4m2.59% 2.59% AddedShares held: Q2 2025 403.5k, Q3 2025 439.0k, Q4 2025 445.0k, Q1 2026 459.8k +14.8k +14,763 3.3%
18 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF BNDX BNDX 751,540 $36.1m2.56% 2.56% AddedShares held: Q2 2025 649.6k, Q3 2025 709.5k, Q4 2025 724.1k, Q1 2026 751.5k +27.4k +27,412 3.8%
19 DIMENSIONAL ETF TRUST US CORE EQUITY 2 DFAC DFAC 782,273 $30.4m2.16% 2.16% ReducedShares held: Q2 2025 1.6m, Q3 2025 1.6m, Q4 2025 1.3m, Q1 2026 782.3k -543.9k -543,906 -41.0%
20 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO VWO 528,677 $28.6m2.03% 2.03% ReducedShares held: Q2 2025 617.0k, Q3 2025 632.1k, Q4 2025 615.4k, Q1 2026 528.7k -86.8k -86,761 -14.1%
21 DIMENSIONAL ETF TRUST US HIGH PROFITAB US HIGH PROFITAB 715,575 $26.3m1.87% 1.87% ReducedShares held: Q2 2025 1.3m, Q3 2025 1.3m, Q4 2025 1.1m, Q1 2026 715.6k -414.5k -414,462 -36.7%
22 ISHARES TR CORE US AGGBD ET AGG AGG 262,936 $26.1m1.85% 1.85% ReducedShares held: Q2 2025 607.3k, Q3 2025 620.9k, Q4 2025 494.6k, Q1 2026 262.9k -231.7k -231,681 -46.8%
23 DIMENSIONAL ETF TRUST INTL CORE EQUITY DFIC DFIC 646,208 $23.0m1.63% 1.63% ReducedShares held: Q2 2025 1.4m, Q3 2025 1.4m, Q4 2025 1.2m, Q1 2026 646.2k -523.8k -523,802 -44.8%
24 DIMENSIONAL ETF TRUST INTL SMALL CAP E DFIS DFIS 447,277 $15.1m1.07% 1.07% ReducedShares held: Q2 2025 988.8k, Q3 2025 1.0m, Q4 2025 840.8k, Q1 2026 447.3k -393.5k -393,496 -46.8%
25 AMERICAN CENTY ETF TR INTL SMCP VLU AVDV AVDV 110,143 $11.0m0.78% 0.78% ReducedShares held: Q2 2025 272.7k, Q3 2025 252.1k, Q4 2025 199.4k, Q1 2026 110.1k -89.3k -89,261 -44.8%
26 DIMENSIONAL ETF TRUST US TARGETED VLU DFAT DFAT 155,140 $9.7m0.69% 0.69% ReducedShares held: Q2 2025 122.2k, Q3 2025 144.9k, Q4 2025 165.3k, Q1 2026 155.1k -10.1k -10,141 -6.1%
27 DIMENSIONAL ETF TRUST INTL HIGH PROFIT DIHP DIHP 297,727 $9.6m0.68% 0.68% ReducedShares held: Q2 2025 559.5k, Q3 2025 601.8k, Q4 2025 507.0k, Q1 2026 297.7k -209.2k -209,237 -41.3%
28 DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS DFAS 133,608 $9.5m0.67% 0.67% ReducedShares held: Q2 2025 102.3k, Q3 2025 122.4k, Q4 2025 138.9k, Q1 2026 133.6k -5.3k -5,334 -3.8%
29 VANGUARD SCOTTSDALE FDS SHORT TERM TREAS VGSH VGSH 145,860 $8.5m0.61% 0.61% ReducedShares held: Q2 2025 372.2k, Q3 2025 397.0k, Q4 2025 314.4k, Q1 2026 145.9k -168.5k -168,502 -53.6%
30 DIMENSIONAL ETF TRUST EMGR CRE EQT MNG DFAE DFAE 250,564 $8.5m0.60% 0.60% ReducedShares held: Q2 2025 476.6k, Q3 2025 497.5k, Q4 2025 412.5k, Q1 2026 250.6k -161.9k -161,904 -39.2%
31 ISHARES TR S&P 500 VAL ETF IVE IVE 25,815 $5.5m0.39% 0.39% ReducedShares held: Q2 2025 32.5k, Q3 2025 28.9k, Q4 2025 26.6k, Q1 2026 25.8k -820 -820 -3.1%
32 ISHARES TR EAFE VALUE ETF EFV EFV 61,256 $4.6m0.32% 0.32% ReducedShares held: Q2 2025 81.0k, Q3 2025 71.2k, Q4 2025 67.8k, Q1 2026 61.3k -6.6k -6,568 -9.7%
33 WISDOMTREE TR EMG MKTS SMCAP DGS DGS 68,935 $4.1m0.29% 0.29% ReducedShares held: Q2 2025 180.9k, Q3 2025 179.3k, Q4 2025 140.9k, Q1 2026 68.9k -72.0k -71,958 -51.1%
34 DIMENSIONAL ETF TRUST INTL SMALL CAP V DISV DISV 103,718 $4.1m0.29% 0.29% ReducedShares held: Q2 2025 87.9k, Q3 2025 103.1k, Q4 2025 114.2k, Q1 2026 103.7k -10.5k -10,490 -9.2%
35 ISHARES TR 1 3 YR TREAS BD SHY SHY 44,994 $3.7m0.26% 0.26% ReducedShares held: Q2 2025 75.9k, Q3 2025 75.7k, Q4 2025 62.0k, Q1 2026 45.0k -17.0k -17,015 -27.4%
36 FLEXSHARES TR MORNSTAR USMKT TILT TILT 15,055 $3.6m0.26% 0.26% ReducedShares held: Q2 2025 22.3k, Q3 2025 17.5k, Q4 2025 16.7k, Q1 2026 15.1k -1.6k -1,606 -9.6%
37 ISHARES TR MICRO-CAP ETF IWC IWC 16,006 $2.6m0.18% 0.18% ReducedShares held: Q2 2025 23.5k, Q3 2025 19.7k, Q4 2025 17.5k, Q1 2026 16.0k -1.5k -1,469 -8.4%
38 ISHARES TR CORE S&P500 ETF IVV IVV 3,838 $2.5m0.18% 0.18% ReducedShares held: Q2 2025 4.8k, Q3 2025 4.2k, Q4 2025 4.3k, Q1 2026 3.8k -443 -443 -10.3%
39 ISHARES TR MSCI EAFE ETF EFA EFA 23,165 $2.2m0.16% 0.16% ReducedShares held: Q2 2025 31.0k, Q3 2025 27.6k, Q4 2025 25.7k, Q1 2026 23.2k -2.5k -2,532 -9.8%
40 FLEXSHARES TR M STAR DEV MKT TLTD TLTD 20,503 $1.9m0.14% 0.14% ReducedShares held: Q2 2025 36.3k, Q3 2025 27.3k, Q4 2025 26.1k, Q1 2026 20.5k -5.6k -5,646 -21.6%
41 ISHARES TR EAFE SML CP ETF SCZ SCZ 18,583 $1.5m0.10% 0.10% ReducedShares held: Q2 2025 24.2k, Q3 2025 21.1k, Q4 2025 20.4k, Q1 2026 18.6k -1.8k -1,773 -8.7%
42 ISHARES TR MSCI EMG MKT ETF EEM EEM 24,664 $1.4m0.10% 0.10% ReducedShares held: Q2 2025 35.1k, Q3 2025 30.9k, Q4 2025 27.4k, Q1 2026 24.7k -2.7k -2,720 -9.9%
43 WISDOMTREE TR FUTRE STRAT FD WTMF WTMF 35,208 $1.4m0.10% 0.10% AddedShares held: Q2 2025 46.7k, Q3 2025 37.5k, Q4 2025 34.8k, Q1 2026 35.2k +388 +388 1.1%
44 VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT VT 9,906 $1.4m0.10% 0.10% ReducedShares held: Q2 2025 18.4k, Q3 2025 16.9k, Q4 2025 15.7k, Q1 2026 9.9k -5.8k -5,793 -36.9%
45 JPMORGAN CHASE & CO COM JPM JPM 2,214 $651.3k0.05% 0.05% UnchangedShares held: Q2 2025 0, Q3 2025 2.2k, Q4 2025 2.2k, Q1 2026 2.2k
46 ISHARES TR RUS TOP 200 ETF IWL IWL 3,881 $622.8k0.04% 0.04% AddedShares held: Q2 2025 4.0k, Q3 2025 3.8k, Q4 2025 3.7k, Q1 2026 3.9k +195 +195 5.3%
47 VANGUARD INDEX FDS LARGE CAP ETF VV VV 1,884 $562.9k0.04% 0.04% AddedShares held: Q2 2025 2.0k, Q3 2025 1.8k, Q4 2025 1.8k, Q1 2026 1.9k +77 +77 4.3%
48 ISHARES TR SHRT NAT MUN ETF SUB SUB 5,024 $535.1k0.04% 0.04% ReducedShares held: Q2 2025 7.2k, Q3 2025 5.6k, Q4 2025 5.1k, Q1 2026 5.0k -96 -96 -1.9%
49 SPDR INDEX SHS FDS DJ GLB RL ES ETF RWO RWO 8,460 $387.2k0.03% 0.03% ReducedShares held: Q2 2025 12.3k, Q3 2025 10.2k, Q4 2025 9.8k, Q1 2026 8.5k -1.4k -1,374 -14.0%
50 ISHARES TR CORE MSCI EAFE IEFA IEFA 4,228 $382.7k0.03% 0.03% ReducedShares held: Q2 2025 4.5k, Q3 2025 4.3k, Q4 2025 4.5k, Q1 2026 4.2k -223 -223 -5.0%
51 ISHARES TR CORE S&P TTL STK ITOT ITOT 2,650 $377.5k0.03% 0.03% ReducedShares held: Q2 2025 2.6k, Q3 2025 2.2k, Q4 2025 2.8k, Q1 2026 2.6k -145 -145 -5.2%
52 ISHARES TR AGGRES ALLOC ETF AOA AOA 4,152 $367.4k0.03% 0.03% ReducedShares held: Q2 2025 6.3k, Q3 2025 5.3k, Q4 2025 4.3k, Q1 2026 4.2k -101 -101 -2.4%
53 SPDR SERIES TRUST PORTFOLI S&P1500 SPTM SPTM 3,821 $302.1k0.02% 0.02% UnchangedShares held: Q2 2025 0, Q3 2025 0, Q4 2025 3.8k, Q1 2026 3.8k
54 SPDR GOLD TR GOLD SHS GLD GLD 675 $290.4k0.02% 0.02% UnchangedShares held: Q2 2025 677, Q3 2025 676, Q4 2025 675, Q1 2026 675
55 FLEXSHARES TR MSTAR EMKT FAC TLTE TLTE 4,078 $274.1k0.02% 0.02% ReducedShares held: Q2 2025 9.3k, Q3 2025 6.5k, Q4 2025 5.8k, Q1 2026 4.1k -1.7k -1,723 -29.7%
56 ISHARES TR NATIONAL MUN ETF MUB MUB 2,418 $256.7k0.02% 0.02% ReducedShares held: Q2 2025 3.4k, Q3 2025 2.8k, Q4 2025 2.5k, Q1 2026 2.4k -53 -53 -2.1%
57 ISHARES TR MODERT ALLOC ETF AOM AOM 5,340 $253.0k0.02% 0.02% ReducedShares held: Q2 2025 0, Q3 2025 7.6k, Q4 2025 7.3k, Q1 2026 5.3k -2.0k -1,981 -27.1%
58 ISHARES INC CORE MSCI EMKT IEMG IEMG 3,225 $225.0k0.02% 0.02% ReducedShares held: Q2 2025 3.8k, Q3 2025 3.6k, Q4 2025 3.5k, Q1 2026 3.2k -259 -259 -7.4%