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        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
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      <filer>
        <credentials>
          <cik>0001794153</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2025</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2025</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>SCHWARZ DYGOS WHEELER INVESTMENT ADVISORS LLC</name>
        <address>
          <ns1:street1>50 SOUTH 6TH STREET, SUITE 1405</ns1:street1>
          <ns1:city>MINNEAPOLIS</ns1:city>
          <ns1:stateOrCountry>MN</ns1:stateOrCountry>
          <ns1:zipCode>55402</ns1:zipCode>
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      <form13FFileNumber>028-19634</form13FFileNumber>
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      <secFileNumber>801-69248</secFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Benjamin J Wheeler</name>
      <title>Managing Member, CCO</title>
      <phone>612-355-4363</phone>
      <signature>/s/ Benjamin J Wheeler</signature>
      <city>MINNEAPOLIS</city>
      <stateOrCountry>MN</stateOrCountry>
      <signatureDate>11-07-2025</signatureDate>
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