Financial Alternatives, Inc

RIA/Wealth

Financial Alternatives, Inc is a RIA/Wealth based in La Jolla, CA led by James Alan Freeman, reporting $547.8M in AUM as of Q3 2025 with 84% ETF concentration and 61% concentrated in top 10 holdings.

PresidentJames Alan Freeman

Portfolio Value: $165.1M
Positions: 86
Top Holding: DFAC at 14.64%
Last Reported: Q3 2025

Address7825 Fay Avenue, Suite 210, La Jolla, CA, 92037, United States

Top Holdings

Largest long holdings in Financial Alternatives, Inc's portfolio (61.4% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Dimensional U.S. Core Equity 2 DFAC	ETF ETF	$24.2M	14.64%	+$266.3K Bought	— 626.9K shares	Q4 2022 Held for 2y 11m
2 Dimensional International Core Equity Market DFAI	ETF ETF	$17.3M	10.50%	+$213.8K Bought	— 477.1K shares	Q4 2022 Held for 2y 11m
3 Vanguard Emerging Markets Government Bond VWOB	ETF ETF	$13.8M	8.35%	+$467.6K Bought	— 206.1K shares	Q4 2022 Held for 2y 11m
4 Vanguard Total Stock Market VTI	ETF ETF	$11.3M	6.82%	+$507.7K Bought	— 34.3K shares	Q4 2022 Held for 2y 11m
5 DFAE Dimensional Emerging Core Equity Market DFAE	ETF ETF	$7.6M	4.58%	+$36.3K Bought	— 240.1K shares	Q4 2022 Held for 2y 11m
6 JPMorgan Equity Premium Income JEPI	ETF ETF	$7.0M	4.22%	-$177.4K Sold	— 121.9K shares	Q4 2022 Held for 2y 11m
7 Vanguard Real Estate VNQ	ETF ETF	$5.7M	3.42%	+$89.0K Bought	— 61.9K shares	Q4 2022 Held for 2y 11m
8 iShares J.P. Morgan USD Emerging Markets Bond EMB	ETF ETF	$5.4M	3.30%	-$40.7K Sold	— 57.2K shares	Q4 2022 Held for 2y 11m
9 IAU iShares Gold Trust IAU	Unknown Unknown	$4.9M	2.96%	+$45.5K Bought	— 67.1K shares	Q4 2022 Held for 2y 11m
10 Vanguard Global ex-U.S. Real Estate VNQI	ETF ETF	$4.4M	2.66%	+$35.1K Bought	— 91.9K shares	Q4 2022 Held for 2y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Financial Alternatives, Inc's latest filing

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Market Value

$165.1M

Prior: $153.6M

Q/Q Change

+7.49%

+$11.5M

Net Flows % of MV

+0.943%

Turnover Ratio

1.33%

New Purchases

1 stocks

$233.2K

Added To

24 stocks

+$2.6M

Sold Out Of

2 stocks

$440.4K

Reduced Holdings

22 stocks

-$865.1K

Increased Positions

Position	Shares Δ	Change
1 GLD SPDR Gold Trust GLD	New	0 → 656.0 +$233.2K
2 Sempra Energy SRE	+32.57%	4.1K → 5.5K +$120.8K
3 SPDR S&P 500 ETF Trust SPY	+29.74%	1.5K → 2.0K +$299.7K
4 Microsoft MSFT	+10.41%	682.0 → 753.0 +$36.8K
5 Vanguard FTSE Emerging Markets VWO	+10.23%	6.5K → 7.2K +$36.0K

Decreased Positions

Position	Shares Δ	Change
1 Roper Technologies, Inc. ROP	Sold	400.0 → 0 −$226.7K
2 BOXX Alpha Architect BOXX	Sold	1.9K → 0 −$213.6K
3 CGBD Carlyle Secured Lending, Inc. CGBD	-32.18%	17.6K → 11.9K −$70.8K
4 ETW Eaton Vance Tax-Managed Global Buy-Write Opportunities Fund ETW	-17.39%	15.1K → 12.5K −$23.8K
5 PFN PIMCO Income Strategy Fund II PFN	-13.07%	17.2K → 15.0K −$17.1K

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Analytics

Portfolio insights and performance metrics for Financial Alternatives, Inc

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Sector Allocation

ETF

84.00%

Technology

3.50%

Financial Services

2.80%

Consumer Cyclical

2.60%

Energy

0.70%

Communication Services

0.60%

Consumer Defensive

0.40%

Utilities

0.30%

Market Cap Distribution

Mega Cap (> $200B)

9.15%

Large Cap ($10B - $200B)

1.30%

Small Cap ($300M - $2B)

0.38%

N/A (ETF or Unknown)

89.17%

Portfolio Concentration

Top 10 Holdings %

61.44%

Top 20 Holdings %

77.74%

Top 50 Holdings %

93.34%

Top 100 Holdings %

100.0%