# EDGAR Filing Document

**Accession Number:** 0001989379
**File Stem:** 0001754960-25-000793
**Filing Date:** 2025-11
**Character Count:** 15599
**Document Hash:** 199d672f0ce42a576a7103eef083c912
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-25-000793.hdr.sgml**: 20251114

**ACCESSION NUMBER**: 0001754960-25-000793

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251114

**DATE AS OF CHANGE**: 20251114

**EFFECTIVENESS DATE**: 20251114

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFA Wealth Services
- **CENTRAL INDEX KEY:** 0001989379

**ORGANIZATION NAME:**
- **EIN:** 900043826
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24573
- **FILM NUMBER:** 251485011

**BUSINESS ADDRESS:**
- **STREET 1:** 100 E THOUSAND OAKS BLVD
- **STREET 2:** SUITE 258
- **CITY:** THOUSAND OAKS
- **STATE:** CA
- **ZIP:** 91360
- **BUSINESS PHONE:** 8054965474

**MAIL ADDRESS:**
- **STREET 1:** 100 E THOUSAND OAKS BLVD
- **STREET 2:** SUITE 258
- **CITY:** THOUSAND OAKS
- **STATE:** CA
- **ZIP:** 91360

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** MFA Wealth Services<br>**Address:** 100 E THOUSAND OAKS BLVD<br>SUITE 258<br>THOUSAND OAKS, CA 91360

**Form 13F File Number:** 028-24573

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:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

**Signature, Place, and Date of Signing:**

Aryn Sands  Reno, NV  11-14-2025<br>[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 are reported 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:** 122

**Form 13F Information Table Value Total:** $144859171

      (round to nearest dollar)

**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.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | COM | 00287Y109 |  | 604249 | 2610 | SH |  | SOLE |  | 2610 | 0 | 0 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 261755 | 1465 | SH |  | SOLE |  | 1465 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 587554 | 2412 | SH |  | SOLE |  | 2412 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 945098 | 2845 | SH |  | SOLE |  | 2845 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 1893406 | 6709 | SH |  | SOLE |  | 6709 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 2893439 | 11363 | SH |  | SOLE |  | 11363 | 0 | 0 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 636158 | 5838 | SH |  | SOLE |  | 5838 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 |  | 720175 | 618 | SH |  | SOLE |  | 618 | 0 | 0 |
| BLACKSTONE INC | COM | 09260D107 |  | 644141 | 3770 | SH |  | SOLE |  | 3770 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 302820 | 6714 | SH |  | SOLE |  | 6714 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 1527898 | 4631 | SH |  | SOLE |  | 4631 | 0 | 0 |
| CAMECO CORP | COM | 13321L108 |  | 218109 | 2601 | SH |  | SOLE |  | 2601 | 0 | 0 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 391047 | 2491 | SH |  | SOLE |  | 2491 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 738682 | 1548 | SH |  | SOLE |  | 1548 | 0 | 0 |
| CHUBB LIMITED | COM | H1467J104 |  | 443504 | 1571 | SH |  | SOLE |  | 1571 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 855176 | 12499 | SH |  | SOLE |  | 12499 | 0 | 0 |
| CITIGROUP INC | COM NEW | 172967424 |  | 731262 | 7205 | SH |  | SOLE |  | 7205 | 0 | 0 |
| CME GROUP INC | COM | 12572Q105 |  | 274591 | 1016 | SH |  | SOLE |  | 1016 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 349356 | 5268 | SH |  | SOLE |  | 5268 | 0 | 0 |
| COGNIZANT TECHNOLOGY SOLUTIO | CL A | 192446102 |  | 261923 | 3905 | SH |  | SOLE |  | 3905 | 0 | 0 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 298612 | 907 | SH |  | SOLE |  | 907 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 874638 | 945 | SH |  | SOLE |  | 945 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 696030 | 1860 | SH |  | SOLE |  | 1860 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 1076964 | 1411 | SH |  | SOLE |  | 1411 | 0 | 0 |
| ENTERGY CORP NEW | COM | 29364G103 |  | 269380 | 2891 | SH |  | SOLE |  | 2891 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 644829 | 5719 | SH |  | SOLE |  | 5719 | 0 | 0 |
| FIDELITY COVINGTON TRUST | FUNDAMENTAL SMAL | 316092295 |  | 2098925 | 71856 | SH |  | SOLE |  | 71856 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 278645 | 817 | SH |  | SOLE |  | 817 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 716009 | 2538 | SH |  | SOLE |  | 2538 | 0 | 0 |
| INTUIT | COM | 461202103 |  | 367728 | 538 | SH |  | SOLE |  | 538 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1882228 | 3135 | SH |  | SOLE |  | 3135 | 0 | 0 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 5506832 | 124617 | SH |  | SOLE |  | 124617 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 643947 | 3473 | SH |  | SOLE |  | 3473 | 0 | 0 |
| JOHNSON CTLS INTL PLC | SHS | G51502105 |  | 302774 | 2754 | SH |  | SOLE |  | 2754 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1288432 | 4085 | SH |  | SOLE |  | 4085 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 298214 | 597 | SH |  | SOLE |  | 597 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 647506 | 2131 | SH |  | SOLE |  | 2131 | 0 | 0 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 431377 | 4529 | SH |  | SOLE |  | 4529 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 478459 | 5701 | SH |  | SOLE |  | 5701 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 2635169 | 5088 | SH |  | SOLE |  | 5088 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 1281822 | 4558 | SH |  | SOLE |  | 4558 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 705223 | 4590 | SH |  | SOLE |  | 4590 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 482851 | 2902 | SH |  | SOLE |  | 2902 | 0 | 0 |
| REALTY INCOME CORP | COM | 756109104 |  | 466398 | 7672 | SH |  | SOLE |  | 7672 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 206783 | 1236 | SH |  | SOLE |  | 1236 | 0 | 0 |
| SNAP ON INC | COM | 833034101 |  | 428435 | 1236 | SH |  | SOLE |  | 1236 | 0 | 0 |
| STEEL DYNAMICS INC | COM | 858119100 |  | 351293 | 2519 | SH |  | SOLE |  | 2519 | 0 | 0 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 1172938 | 4200 | SH |  | SOLE |  | 4200 | 0 | 0 |
| TEXAS INSTRS INC | COM | 882508104 |  | 279533 | 1521 | SH |  | SOLE |  | 1521 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 599393 | 753 | SH |  | SOLE |  | 753 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 801485 | 1978 | SH |  | SOLE |  | 1978 | 0 | 0 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 371829 | 4651 | SH |  | SOLE |  | 4651 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 1160127 | 4908 | SH |  | SOLE |  | 4908 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 297578 | 862 | SH |  | SOLE |  | 862 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 1097988 | 10654 | SH |  | SOLE |  | 10654 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 310158 | 1405 | SH |  | SOLE |  | 1405 | 0 | 0 |
| AMERICAN CENTY ETF TR | US QUALITY GROW | 025072307 |  | 9305517 | 81342 | SH |  | SOLE |  | 81342 | 0 | 0 |
| CAPITAL GRP FIXED INCM ETF T | US MULTI-SECTOR | 14020Y300 |  | 2034802 | 73326 | SH |  | SOLE |  | 73326 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 14622587 | 21848 | SH |  | SOLE |  | 21848 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1799907 | 27581 | SH |  | SOLE |  | 27581 | 0 | 0 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 228449 | 2186 | SH |  | SOLE |  | 2186 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 1675894 | 36181 | SH |  | SOLE |  | 36181 | 0 | 0 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 308851 | 1106 | SH |  | SOLE |  | 1106 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 4515623 | 54431 | SH |  | SOLE |  | 54431 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 5934456 | 49657 | SH |  | SOLE |  | 49657 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 2807205 | 41234 | SH |  | SOLE |  | 41234 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 960900 | 8086 | SH |  | SOLE |  | 8086 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 3830444 | 41899 | SH |  | SOLE |  | 41899 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1369513 | 17134 | SH |  | SOLE |  | 17134 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1156827 | 13250 | SH |  | SOLE |  | 13250 | 0 | 0 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 2373802 | 23750 | SH |  | SOLE |  | 23750 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1256157 | 12530 | SH |  | SOLE |  | 12530 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 2997316 | 24829 | SH |  | SOLE |  | 24829 | 0 | 0 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 1116408 | 11959 | SH |  | SOLE |  | 11959 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 6268211 | 229605 | SH |  | SOLE |  | 229605 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 763324 | 8175 | SH |  | SOLE |  | 8175 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 287819 | 3752 | SH |  | SOLE |  | 3752 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 461126 | 8635 | SH |  | SOLE |  | 8635 | 0 | 0 |
| VANGUARD CALIF TAX FREE FDS | TAX EXEMPT BD FD | 922021605 |  | 206472 | 2069 | SH |  | SOLE |  | 2069 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 434493 | 710 | SH |  | SOLE |  | 710 | 0 | 0 |
| FIDELITY COVINGTON TRUST | ENHANCED EMRNGS | 31609A800 |  | 1098695 | 35380 | SH |  | SOLE |  | 35380 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL UTL | 46137V274 |  | 1404042 | 18315 | SH |  | SOLE |  | 18315 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 3093117 | 32066 | SH |  | SOLE |  | 32066 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1403582 | 3949 | SH |  | SOLE |  | 3949 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1095629 | 21640 | SH |  | SOLE |  | 21640 | 0 | 0 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 1287246 | 25445 | SH |  | SOLE |  | 25445 | 0 | 0 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 248879 | 5921 | SH |  | SOLE |  | 5921 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1365522 | 6328 | SH |  | SOLE |  | 6328 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1851731 | 5643 | SH |  | SOLE |  | 5643 | 0 | 0 |
| CAPITAL GROUP DIVIDEND GROWE | SHS ETF | 14021L109 |  | 1234363 | 35624 | SH |  | SOLE |  | 35624 | 0 | 0 |
| NUVEEN MUN HIGH INCOME OPPOR | COM | 670682103 |  | 1193912 | 112740 | SH |  | SOLE |  | 112740 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 288810 | 5598 | SH |  | SOLE |  | 5598 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 289700 | 1866 | SH |  | SOLE |  | 1866 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 659849 | 899 | SH |  | SOLE |  | 899 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1265904 | 6785 | SH |  | SOLE |  | 6785 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 558525 | 1636 | SH |  | SOLE |  | 1636 | 0 | 0 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 725058 | 12616 | SH |  | SOLE |  | 12616 | 0 | 0 |
| FS CREDIT OPPORTUNITIES CORP | COMMON STOCK | 30290Y101 |  | 174206 | 25211 | SH |  | SOLE |  | 25211 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 1486718 | 10994 | SH |  | SOLE |  | 10994 | 0 | 0 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 414651 | 3753 | SH |  | SOLE |  | 3753 | 0 | 0 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 402797 | 416 | SH |  | SOLE |  | 416 | 0 | 0 |
| AFLAC INC | COM | 001055102 |  | 204048 | 1827 | SH |  | SOLE |  | 1827 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 750058 | 3085 | SH |  | SOLE |  | 3085 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 1248139 | 5684 | SH |  | SOLE |  | 5684 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 993957 | 1977 | SH |  | SOLE |  | 1977 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 223934 | 1100 | SH |  | SOLE |  | 1100 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 247708 | 557 | SH |  | SOLE |  | 557 | 0 | 0 |
| FIDELITY COVINGTON TRUST | DISRUPTORS ETF | 316092121 |  | 407657 | 11476 | SH |  | SOLE |  | 11476 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 322266 | 4515 | SH |  | SOLE |  | 4515 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 414303 | 680 | SH |  | SOLE |  | 680 | 0 | 0 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 562863 | 5590 | SH |  | SOLE |  | 5590 | 0 | 0 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 287605 | 8417 | SH |  | SOLE |  | 8417 | 0 | 0 |
| FIDELITY COVINGTON TRUST | DIVID ETF RISI | 316092832 |  | 221261 | 3775 | SH |  | SOLE |  | 3775 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1125721 | 5788 | SH |  | SOLE |  | 5788 | 0 | 0 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 274917 | 7522 | SH |  | SOLE |  | 7522 | 0 | 0 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 264150 | 2592 | SH |  | SOLE |  | 2592 | 0 | 0 |
| ISHARES TR | MSCI USA SMCP MN | 46435G433 |  | 813737 | 18902 | SH |  | SOLE |  | 18902 | 0 | 0 |
| VANGUARD MUN BD FDS | SHORT TAX EXEMPT | 922907696 |  | 595049 | 7758 | SH |  | SOLE |  | 7758 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 247526 | 3369 | SH |  | SOLE |  | 3369 | 0 | 0 |
| VANGUARD MUN BD FDS | CORE TAX EXEMPT | 922907712 |  | 254390 | 3381 | SH |  | SOLE |  | 3381 | 0 | 0 |
| SAP SE | SPON ADR | 803054204 |  | 206984 | 775 | SH |  | SOLE |  | 775 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 202984 | 2591 | SH |  | SOLE |  | 2591 | 0 | 0 |

---