The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 09-30-2021
Check here if Amendment   Amendment Number:
This Amendment (Check only one.):   is a restatement.
  adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: SVB Wealth Advisory, Inc.
Address: 505 HOWARD STREET
3RD FLOOR
SAN FRANCISCO , CA94105
Form 13F File Number: 028-20212

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name: Bill Scoggins
Title: Managing Dir, Inv. Ops
Phone: 7033005285
Signature, Place, and Date of Signing:
Bill Scoggins Oakton , VA 10-18-2021
[Signature] [City, State] [Date]
Report Type (Check only one.):
X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
  13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
  13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 37
Form 13F Information Table Value Total: 150,004
(thousands)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name

List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
No. Form 13F File Number Name
SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 994 14,112 SH SOLE 14,112 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,572 15,441 SH SOLE 15,441 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 43,710 110,827 SH SOLE 110,827 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 7,192 262,391 SH SOLE 262,391 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 9,451 110,598 SH SOLE 110,598 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 14,487 231,493 SH SOLE 231,493 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,862 34,927 SH SOLE 34,927 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 23,718 612,866 SH SOLE 612,866 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 460 2,995 SH SOLE 2,995 0 0
ISHARES TR GLB INFRASTR ETF 464288372 3,022 65,848 SH SOLE 65,848 0 0
ISHARES TR EAFE SML CP ETF 464288273 3,490 46,903 SH SOLE 46,903 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,352 167,007 SH SOLE 167,007 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,913 44,995 SH SOLE 44,995 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,902 33,400 SH SOLE 33,400 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,455 6,652 SH SOLE 6,652 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 953 3,284 SH SOLE 3,284 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 630 4,656 SH SOLE 4,656 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 486 1,211 SH SOLE 1,211 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 581 2,617 SH SOLE 2,617 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 997 4,210 SH SOLE 4,210 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 698 4,463 SH SOLE 4,463 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,009 3,836 SH SOLE 3,836 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 850 3,103 SH SOLE 3,103 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,230 30,035 SH SOLE 30,035 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,014 4,692 SH SOLE 4,692 0 0
ISHARES INC CORE MSCI EMKT 46434G103 675 10,927 SH SOLE 10,927 0 0
ISHARES TR CORE S&P TTL STK 464287150 500 5,086 SH SOLE 5,086 0 0
ISHARES TR RUS 1000 ETF 464287622 2,240 9,269 SH SOLE 9,269 0 0
ISHARES TR CRE U S REIT ETF 464288521 423 7,211 SH SOLE 7,211 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 518 10,259 SH SOLE 10,259 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,467 3,406 SH SOLE 3,406 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,276 54,817 SH SOLE 54,817 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 941 18,669 SH SOLE 18,669 0 0
ISHARES TR S&P MC 400GR ETF 464287606 245 3,100 SH SOLE 3,100 0 0
ISHARES TR S&P MC 400VL ETF 464287705 256 2,488 SH SOLE 2,488 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 216 604 SH SOLE 604 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 219 2,960 SH SOLE 2,960 0 0