IF Advisors, LLC

SAN ANTONIO, TX · CIK 2109472 · 13F filing filed 2026-05-14

SEC-registered investment adviser since 2020 · limited liability company

Assets managed$491.4m
Staff4 · 2 in investment roles
Main clients (by assets)Pension plans 60%, High net worth individuals 40%
Websiteinflectionfinancial.com
Form ADV · 2026-03-31SEC adviser record

$141.5m reported value +14.9% vs Q4 2025

53positions

56.2%in top 10

13 new 22 added 9 reduced 1 sold out vs Q4 2025

Holdings, Q1 2026

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

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	VANGUARD INDEX FDS LARGE CAP ETF VV	VV	49,091	$14.7m10.37%	10.37%	Reduced -4.2k	-4,158 -7.8%
2	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	222,644	$14.3m10.09%	10.09%	Added +26.8k	+26,807 13.7%
3	VANGUARD INDEX FDS MID CAP ETF VO	VO	35,213	$10.1m7.15%	7.15%	Added +3.2k	+3,226 10.1%
4	J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL JMST	JMST	158,000	$8.1m5.69%	5.69%	Reduced -12.8k	-12,850 -7.5%
5	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	130,286	$7.0m4.98%	4.98%	Added +6.8k	+6,807 5.5%
6	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	11,573	$5.5m3.92%	3.92%	Reduced -892	-892 -7.2%
7	VANGUARD INDEX FDS VALUE ETF VTV	VTV	26,854	$5.3m3.72%	3.72%	Added +15	+15 0.1%
8	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	71,461	$5.3m3.72%	3.72%	Added +1.9k	+1,948 2.8%
9	ISHARES TR EAFE VALUE ETF EFV	EFV	63,138	$4.7m3.32%	3.32%	Added +560	+560 0.9%
10	VANGUARD INDEX FDS SMALL CP ETF VB	VB	17,518	$4.6m3.24%	3.24%	Added +192	+192 1.1%
11	ISHARES TR SHRT NAT MUN ETF SUB	SUB	42,500	$4.5m3.20%	3.20%	Added +5.1k	+5,122 13.7%
12	VANGUARD WELLINGTON FD SHORT TRM TAX EX VTES	VTES	44,500	$4.5m3.18%	3.18%	Added +4.5k	+4,500 11.2%
13	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	13,130	$4.2m2.98%	2.98%	Added +11.7k	+11,699 817.5%
14	ISHARES TR 3 7 YR TREAS BD IEI	IEI	32,025	$3.8m2.68%	2.68%	Added +1.9k	+1,942 6.5%
15	AMERICAN CENTY ETF TR US SML CP VALU AVUV	AVUV	33,172	$3.7m2.59%	2.59%	Added +2.4k	+2,366 7.7%
16	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	40,981	$3.6m2.57%	2.57%	Reduced -1.0k	-1,004 -2.4%
17	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	124,975	$3.2m2.27%	2.27%	Added +45.6k	+45,560 57.4%
18	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	108,455	$2.7m1.90%	1.90%	Added +30.1k	+30,090 38.4%
19	ISHARES TR 1 3 YR TREAS BD SHY	SHY	31,869	$2.6m1.86%	1.86%	Added +2.0k	+2,014 6.8%
20	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	83,149	$2.4m1.71%	1.71%	Reduced -4	-4 0.0%
21	JANUS DETROIT STR TR HENDRSON AAA CL JAAA	JAAA	46,940	$2.4m1.67%	1.67%	New
22	AMERICAN CENTY ETF TR US LARGE CAP VLU AVLV	AVLV	26,873	$2.2m1.53%	1.53%	Added +7.4k	+7,445 38.3%
23	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	9,516	$2.1m1.46%	1.46%	Added +207	+207 2.2%
24	EXXON MOBIL CORP COM XOM	XOM	11,442	$1.9m1.37%	1.37%	Added +3	+3 0.0%
25	SCHWAB STRATEGIC TR US MID-CAP ETF SCHM	SCHM	50,042	$1.5m1.10%	1.10%	Added +18.7k	+18,673 59.5%
26	ISHARES TR RUSSELL 2000 ETF IWM	IWM	6,101	$1.5m1.07%	1.07%	Added +5	+5 0.1%
27	DIMENSIONAL ETF TRUST US CORE EQUITY 2 DFAC	DFAC	34,487	$1.3m0.95%	0.95%	New
28	AMERICAN CENTY ETF TR US EQT ETF AVUS	AVUS	9,977	$1.1m0.78%	0.78%	New
29	ISHARES TR 7-10 YR TRSY BD IEF	IEF	11,219	$1.1m0.76%	0.76%	Added +1.2k	+1,201 12.0%
30	TESLA INC COM TSLA	TSLA	2,799	$1.0m0.74%	0.74%	Reduced -1.7k	-1,663 -37.3%
31	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	30,304	$929.7k0.66%	0.66%	New
32	DIMENSIONAL ETF TRUST INTL CORE EQUITY DFIC	DFIC	25,700	$913.1k0.65%	0.65%	New
33	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	16,000	$798.2k0.56%	0.56%	Unchanged
34	SCHWAB STRATEGIC TR US REIT ETF SCHH	SCHH	32,945	$708.0k0.50%	0.50%	Unchanged
35	SCHWAB STRATEGIC TR INTERNL DIVID SCHY	SCHY	20,860	$660.4k0.47%	0.47%	New
36	SCHWAB STRATEGIC TR EMRG MKTEQ ETF SCHE	SCHE	19,402	$639.3k0.45%	0.45%	Reduced -1	-1 -0.0%
37	ISHARES INC CORE MSCI EMKT IEMG	IEMG	8,279	$577.5k0.41%	0.41%	Added +5.3k	+5,270 175.1%
38	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	965	$576.6k0.41%	0.41%	Unchanged
39	DIMENSIONAL ETF TRUST EMERGING MKTS CO DFEM	DFEM	13,525	$467.3k0.33%	0.33%	New
40	NVIDIA CORPORATION COM NVDA	NVDA	2,482	$432.8k0.31%	0.31%	Unchanged
41	PACER FDS TR PACER US SMALL CALF	CALF	8,850	$397.1k0.28%	0.28%	New
42	ISHARES TR CORE MSCI EAFE IEFA	IEFA	4,065	$368.0k0.26%	0.26%	New
43	ALPHABET INC CAP STK CL C GOOG	GOOG	1,275	$365.7k0.26%	0.26%	Unchanged
44	SPDR SER TR S&P 600 SMCP VAL SLYV	SLYV	3,823	$361.6k0.26%	0.26%	New
45	AMERICAN CENTY ETF TR INTERNATIONAL LR AVIV	AVIV	4,164	$311.6k0.22%	0.22%	New
46	SCHWAB STRATEGIC TR US LCAP VA ETF SCHV	SCHV	9,680	$295.2k0.21%	0.21%	New
47	SPDR SERIES TRUST COM COM		3,150	$288.7k0.20%	0.20%	New
48	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	3,406	$262.6k0.19%	0.19%	Unchanged
49	WISDOMTREE TR US MIDCAP FUND EZM	EZM	3,765	$253.1k0.18%	0.18%	Unchanged
50	HILLTOP HOLDINGS INC COM HTH	HTH	6,800	$243.6k0.17%	0.17%	Unchanged
51	ISHARES TR CORE S&P500 ETF IVV	IVV	353	$230.6k0.16%	0.16%	Unchanged
52	OKLO INC COM CL A OKLO	OKLO	4,443	$220.3k0.16%	0.16%	Reduced -1.1k	-1,050 -19.1%
53	COMMERCIAL METALS CO COM CMC	CMC	3,536	$217.2k0.15%	0.15%	Reduced -2.6k	-2,619 -42.5%

Sold out since Q4 2025

Security	Ticker	Shares held before	Value then
AMAZON COM INC AMZN	AMZN	1,268	$292.7k1.3k shares