# EDGAR Filing Document

**Accession Number:** 0001927175
**File Stem:** 0001927175-23-000001
**Filing Date:** 2023-2
**Character Count:** 12919
**Document Hash:** 2dfb8797db285a677989fe6a4439b1b2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001927175-23-000001.hdr.sgml**: 20230209

**ACCESSION NUMBER**: 0001927175-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230209

**DATE AS OF CHANGE**: 20230209

**EFFECTIVENESS DATE**: 20230209

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WARNER FINANCIAL, INC
- **CENTRAL INDEX KEY:** 0001927175
- **IRS NUMBER:** 202676231
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22455
- **FILM NUMBER:** 23605429

**BUSINESS ADDRESS:**
- **STREET 1:** 4550 MONTGOMERY AVE
- **STREET 2:** SUITE 352 NORTH
- **CITY:** BETHESDA
- **STATE:** MD
- **ZIP:** 20814
- **BUSINESS PHONE:** 301-961-9505

**MAIL ADDRESS:**
- **STREET 1:** 4550 MONTGOMERY AVE
- **STREET 2:** SUITE 352 NORTH
- **CITY:** BETHESDA
- **STATE:** MD
- **ZIP:** 20814

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** WARNER FINANCIAL INC<br>**Address:** 4550 MONTGOMERY AVE<br>SUITE 352 NORTH<br>BETHESDA, MD 20814

**Form 13F File Number:** 028-22455

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:** Christopher Warner<br>**Title:** Vice President<br>**Phone:** 3019619505

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

Christopher Warner  Bethesda, MD  02-09-2023<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:** 90

**Form 13F Information Table Value Total:** $131230

      (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 |
| Amazon | Stock | 023135106 |  | 575 | 6840 | SH |  | SOLE | 0 | 0 | 0 | 6840 |
| Apple | Stock | 037833100 |  | 1701 | 13091 | SH |  | SOLE | 0 | 0 | 0 | 13091 |
| Berkshire Hathaway B | Stock | 084670702 |  | 792 | 2565 | SH |  | SOLE | 0 | 0 | 0 | 2565 |
| Emerging Markets Internet  E-Commerce ETF | ETF | 301505889 |  | 447 | 15031 | SH |  | SOLE | 0 | 0 | 0 | 15031 |
| Exxon Mobil Corp | Stock | 30231G102 |  | 400 | 3630 | SH |  | SOLE | 0 | 0 | 0 | 3630 |
| Fidelity MSCI Health Care Index ETF | ETF | 316092600 |  | 233 | 3636 | SH |  | SOLE | 0 | 0 | 0 | 3636 |
| Financial Select Sector SPDR Fund | ETF | 81369Y605 |  | 2375 | 69442 | SH |  | SOLE | 0 | 0 | 0 | 69442 |
| Hershey Co | Stock | 427866108 |  | 217 | 938 | SH |  | SOLE | 0 | 0 | 0 | 938 |
| Honeywell International Inc | Stock | 438516106 |  | 304 | 1416 | SH |  | SOLE | 0 | 0 | 0 | 1416 |
| International Business Machines | Stock | 459200101 |  | 1011 | 7175 | SH |  | SOLE | 0 | 0 | 0 | 7175 |
| Invesco National AMT-Free Muni Bond ETF | ETF | 46138E537 |  | 260 | 11336 | SH |  | SOLE | 0 | 0 | 0 | 11336 |
| Invesco QQQ ETF | ETF | 46090E103 |  | 4475 | 16804 | SH |  | SOLE | 0 | 0 | 0 | 16804 |
| Invesco S 500 Low Volatility Portfolio | ETF | 46138E354 |  | 668 | 10450 | SH |  | SOLE | 0 | 0 | 0 | 10450 |
| iShares 3-7 Year Treasury Bond ETF | ETF | 464288661 |  | 366 | 3182 | SH |  | SOLE | 0 | 0 | 0 | 3182 |
| iShares Core Dividend Growth ETF | ETF | 46434V621 |  | 482 | 9642 | SH |  | SOLE | 0 | 0 | 0 | 9642 |
| iShares Core MSCI EAFE ETF | ETF | 46432F842 |  | 1362 | 22098 | SH |  | SOLE | 0 | 0 | 0 | 22098 |
| iShares Core S 500 ETF | ETF | 464287200 |  | 2252 | 5862 | SH |  | SOLE | 0 | 0 | 0 | 5862 |
| iShares Core U.S. Aggregate Bond ETF | ETF | 464287226 |  | 894 | 9216 | SH |  | SOLE | 0 | 0 | 0 | 9216 |
| iShares Edge MSCI International Quality Factor ETF | ETF | 46434V456 |  | 977 | 30163 | SH |  | SOLE | 0 | 0 | 0 | 30163 |
| iShares Edge MSCI Min Vol EAFE ETF | ETF | 46429B689 |  | 248 | 3894 | SH |  | SOLE | 0 | 0 | 0 | 3894 |
| iShares Edge MSCI Min Vol USA ETF | ETF | 46429B697 |  | 416 | 5768 | SH |  | SOLE | 0 | 0 | 0 | 5768 |
| iShares Edge MSCI USA Quality Factor ETF | ETF | 46432F339 |  | 2109 | 18507 | SH |  | SOLE | 0 | 0 | 0 | 18507 |
| iShares Global Clean Energy ETF | ETF | 464288224 |  | 777 | 39152 | SH |  | SOLE | 0 | 0 | 0 | 39152 |
| iShares MSCI EAFE ESG Select ETF | ETF | 46435G516 |  | 269 | 4089 | SH |  | SOLE | 0 | 0 | 0 | 4089 |
| iShares MSCI EAFE Value ETF | ETF | 464288877 |  | 1236 | 26942 | SH |  | SOLE | 0 | 0 | 0 | 26942 |
| iShares MSCI USA ESG Select ETF | ETF | 464288802 |  | 552 | 6707 | SH |  | SOLE | 0 | 0 | 0 | 6707 |
| iShares MSCI USA Value Factor ETF | ETF | 46432F388 |  | 747 | 8190 | SH |  | SOLE | 0 | 0 | 0 | 8190 |
| iShares Russell 1000 Growth ETF | ETF | 464287614 |  | 390 | 1821 | SH |  | SOLE | 0 | 0 | 0 | 1821 |
| iShares Russell 1000 Value ETF | ETF | 464287598 |  | 490 | 3227 | SH |  | SOLE | 0 | 0 | 0 | 3227 |
| iShares Russell 2000 Growth ETF | ETF | 464287648 |  | 327 | 1525 | SH |  | SOLE | 0 | 0 | 0 | 1525 |
| iShares Select Dividend ETF | ETF | 464287168 |  | 704 | 5833 | SH |  | SOLE | 0 | 0 | 0 | 5833 |
| iShares Short-Term National Muni Bond ETF | ETF | 464288158 |  | 395 | 3784 | SH |  | SOLE | 0 | 0 | 0 | 3784 |
| iShares U.S. Aerospace  Defense ETF | ETF | 464288760 |  | 270 | 2417 | SH |  | SOLE | 0 | 0 | 0 | 2417 |
| iShares U.S. Infrastructure ETF | ETF | 46435U713 |  | 1267 | 34942 | SH |  | SOLE | 0 | 0 | 0 | 34942 |
| iShares U.S. Preferred Stock ETF | ETF | 464288687 |  | 279 | 9145 | SH |  | SOLE | 0 | 0 | 0 | 9145 |
| iShares U.S. Technology ETF | ETF | 464287721 |  | 329 | 4420 | SH |  | SOLE | 0 | 0 | 0 | 4420 |
| Johnson  Johnson Co | Stock | 478160104 |  | 865 | 4895 | SH |  | SOLE | 0 | 0 | 0 | 4895 |
| Lockheed Martin | Stock | 539830109 |  | 753 | 1548 | SH |  | SOLE | 0 | 0 | 0 | 1548 |
| McDonald's | Stock | 580135101 |  | 791 | 3000 | SH |  | SOLE | 0 | 0 | 0 | 3000 |
| Microsoft Corp | Stock | 594918104 |  | 636 | 2651 | SH |  | SOLE | 0 | 0 | 0 | 2651 |
| NASDAQ 100 Equal-Weighted ETF | ETF | 25459Y207 |  | 598 | 9371 | SH |  | SOLE | 0 | 0 | 0 | 9371 |
| OGE Energy Corp | Stock | 670837103 |  | 250 | 6315 | SH |  | SOLE | 0 | 0 | 0 | 6315 |
| Pepsico | Stock | 713448108 |  | 224 | 1241 | SH |  | SOLE | 0 | 0 | 0 | 1241 |
| Pfizer Inc | Stock | 717081103 |  | 1455 | 28389 | SH |  | SOLE | 0 | 0 | 0 | 28389 |
| Procter  Gamble Co | Stock | 742718109 |  | 332 | 2192 | SH |  | SOLE | 0 | 0 | 0 | 2192 |
| Realty Income Corp | REIT | 756109104 |  | 219 | 3452 | SH |  | SOLE | 0 | 0 | 0 | 3452 |
| Schwab Emerging Markets Equity ETF | ETF | 808524706 |  | 340 | 14373 | SH |  | SOLE | 0 | 0 | 0 | 14373 |
| Schwab Fundamental Intl Large Cap ETF | ETF | 808524755 |  | 259 | 8907 | SH |  | SOLE | 0 | 0 | 0 | 8907 |
| Schwab Fundamental U.S. Large Cap ETF | ETF | 808524771 |  | 234 | 4378 | SH |  | SOLE | 0 | 0 | 0 | 4378 |
| Schwab International Equity ETF | ETF | 808524805 |  | 1984 | 61609 | SH |  | SOLE | 0 | 0 | 0 | 61609 |
| Schwab US Dividend Equity ETF | ETF | 808524797 |  | 1427 | 18886 | SH |  | SOLE | 0 | 0 | 0 | 18886 |
| Schwab US Large Cap Growth ETF | ETF | 808524300 |  | 2977 | 53578 | SH |  | SOLE | 0 | 0 | 0 | 53578 |
| Schwab US Large Cap Value ETF | ETF | 808524409 |  | 1306 | 19787 | SH |  | SOLE | 0 | 0 | 0 | 19787 |
| Schwab US Mid Cap ETF | ETF | 808524508 |  | 1038 | 15821 | SH |  | SOLE | 0 | 0 | 0 | 15821 |
| Schwab US Small Cap ETF | ETF | 808524607 |  | 303 | 7469 | SH |  | SOLE | 0 | 0 | 0 | 7469 |
| SPDR Consumer Staples ETF | ETF | 81369Y308 |  | 253 | 3392 | SH |  | SOLE | 0 | 0 | 0 | 3392 |
| SPDR Dow Jones Industrial Average ETF | ETF | 78467X109 |  | 268 | 808 | SH |  | SOLE | 0 | 0 | 0 | 808 |
| SPDR S 500 ETF | ETF | 78462F103 |  | 1713 | 4479 | SH |  | SOLE | 0 | 0 | 0 | 4479 |
| SPDR S Biotech ETF | ETF | 78464A870 |  | 815 | 9824 | SH |  | SOLE | 0 | 0 | 0 | 9824 |
| SPDR S Dividend ETF | ETF | 78464A763 |  | 1099 | 8781 | SH |  | SOLE | 0 | 0 | 0 | 8781 |
| SPDR S Mid Cap 400 ETF | ETF | 78467Y107 |  | 956 | 2159 | SH |  | SOLE | 0 | 0 | 0 | 2159 |
| Technology Select Sector SPDR ETF | ETF | 81369Y803 |  | 442 | 3551 | SH |  | SOLE | 0 | 0 | 0 | 3551 |
| Texas Instruments Inc | Stock | 882508104 |  | 362 | 2190 | SH |  | SOLE | 0 | 0 | 0 | 2190 |
| VanEck Morningstar Wide Moat ETF | ETF | 92189F643 |  | 529 | 8151 | SH |  | SOLE | 0 | 0 | 0 | 8151 |
| VanEck Pharmaceuticals ETF | ETF | 92189F692 |  | 282 | 3633 | SH |  | SOLE | 0 | 0 | 0 | 3633 |
| Vanguard Communication Services ETF | ETF | 92204A884 |  | 241 | 2926 | SH |  | SOLE | 0 | 0 | 0 | 2926 |
| Vanguard Dividend Appreciation Index ETF | ETF | 921908844 |  | 6302 | 41500 | SH |  | SOLE | 0 | 0 | 0 | 41500 |
| Vanguard Energy Index ETF | ETF | 92204A306 |  | 1253 | 10333 | SH |  | SOLE | 0 | 0 | 0 | 10333 |
| Vanguard Extended Market Index ETF | ETF | 922908652 |  | 1398 | 10523 | SH |  | SOLE | 0 | 0 | 0 | 10523 |
| Vanguard FTSE All-World Ex-US ETF | ETF | 922042775 |  | 1113 | 22196 | SH |  | SOLE | 0 | 0 | 0 | 22196 |
| Vanguard FTSE All-World Ex-US Small Cap ETF | ETF | 922042718 |  | 540 | 5251 | SH |  | SOLE | 0 | 0 | 0 | 5251 |
| Vanguard FTSE Developed Markets ETF | ETF | 921943858 |  | 8768 | 208920 | SH |  | SOLE | 0 | 0 | 0 | 208920 |
| Vanguard FTSE Emerging Markets ETF | ETF | 922042858 |  | 2642 | 67779 | SH |  | SOLE | 0 | 0 | 0 | 67779 |
| Vanguard Health Care Index ETF | ETF | 92204A504 |  | 637 | 2569 | SH |  | SOLE | 0 | 0 | 0 | 2569 |
| Vanguard High Dividend Yield ETF | ETF | 921946406 |  | 2385 | 22037 | SH |  | SOLE | 0 | 0 | 0 | 22037 |
| Vanguard International Dividend Appreciation ETF | ETF | 921946810 |  | 423 | 6073 | SH |  | SOLE | 0 | 0 | 0 | 6073 |
| Vanguard Large Cap Growth Index ETF | ETF | 922908736 |  | 13585 | 63744 | SH |  | SOLE | 0 | 0 | 0 | 63744 |
| Vanguard Large Cap Value Index ETF | ETF | 922908744 |  | 18908 | 134704 | SH |  | SOLE | 0 | 0 | 0 | 134704 |
| Vanguard Mid Cap Index ETF | ETF | 922908629 |  | 4832 | 23707 | SH |  | SOLE | 0 | 0 | 0 | 23707 |
| Vanguard Mid-Cap Growth ETF | ETF | 922908538 |  | 374 | 2078 | SH |  | SOLE | 0 | 0 | 0 | 2078 |
| Vanguard Mid-Cap Value ETF | ETF | 922908512 |  | 309 | 2283 | SH |  | SOLE | 0 | 0 | 0 | 2283 |
| Vanguard REIT ETF | ETF | 922908553 |  | 725 | 8794 | SH |  | SOLE | 0 | 0 | 0 | 8794 |
| Vanguard S 500 ETF | ETF | 922908363 |  | 2824 | 8038 | SH |  | SOLE | 0 | 0 | 0 | 8038 |
| Vanguard Short-Term Bond Index ETF | ETF | 921937827 |  | 222 | 2950 | SH |  | SOLE | 0 | 0 | 0 | 2950 |
| Vanguard Small Cap Growth Index ETF | ETF | 922908595 |  | 2033 | 10136 | SH |  | SOLE | 0 | 0 | 0 | 10136 |
| Vanguard Small Cap Index ETF | ETF | 922908751 |  | 2303 | 12548 | SH |  | SOLE | 0 | 0 | 0 | 12548 |
| Vanguard Small Cap Value Index ETF | ETF | 922908611 |  | 2165 | 13631 | SH |  | SOLE | 0 | 0 | 0 | 13631 |
| Vanguard Total Bond Market ETF | ETF | 921937835 |  | 1221 | 16989 | SH |  | SOLE | 0 | 0 | 0 | 16989 |
| Vanguard Total International Stock ETF | ETF | 921909768 |  | 2407 | 46545 | SH |  | SOLE | 0 | 0 | 0 | 46545 |
| Vanguard Total Stock Market Index ETF | ETF | 922908769 |  | 314 | 1643 | SH |  | SOLE | 0 | 0 | 0 | 1643 |

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