# EDGAR Filing Document

**Accession Number:** 0001769288
**File Stem:** 0001214659-25-015226
**Filing Date:** 2025-10
**Character Count:** 11756
**Document Hash:** 0b4b073902c7d642c39442afaa73789f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001214659-25-015226.hdr.sgml**: 20251023

**ACCESSION NUMBER**: 0001214659-25-015226

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251023

**DATE AS OF CHANGE**: 20251023

**EFFECTIVENESS DATE**: 20251023

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Atwater Malick LLC
- **CENTRAL INDEX KEY:** 0001769288

**ORGANIZATION NAME:**
- **EIN:** 263193438
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19445
- **FILM NUMBER:** 251412442

**BUSINESS ADDRESS:**
- **STREET 1:** 201 GRANITE RUN DR
- **STREET 2:** SUITE 290
- **CITY:** LANCASTER
- **STATE:** PA
- **ZIP:** 17601
- **BUSINESS PHONE:** 717-400-1505

**MAIL ADDRESS:**
- **STREET 1:** 201 GRANITE RUN DR
- **STREET 2:** SUITE 290
- **CITY:** LANCASTER
- **STATE:** PA
- **ZIP:** 17601

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Awater Malick LLC
- **DATE OF NAME CHANGE:** 20190227

### 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:** Atwater Malick LLC<br>**Address:** 201 GRANITE RUN DR<br>SUITE 290<br>LANCASTER, PA 17601

**Form 13F File Number:** 028-19445

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:** Benjamin H. Atwater<br>**Title:** Partner<br>**Phone:** 717-201-9504

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

/s/ Benjamin H. Atwater  Lancaster, PA  10-22-2025<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:** 83

**Form 13F Information Table Value Total:** $344376994

      (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 |  | 658928 | 2846 | SH |  | SOLE |  | 0 | 0 | 2846 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 6639713 | 26925 | SH |  | SOLE |  | 0 | 0 | 26925 |
| AGILON HEALTH INC | COM | 00857U107 |  | 101752 | 98788 | SH |  | SOLE |  | 0 | 0 | 98788 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 331228 | 1360 | SH |  | SOLE |  | 0 | 0 | 1360 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 20571923 | 84623 | SH |  | SOLE |  | 0 | 0 | 84623 |
| AMAZON COM INC | COM | 023135106 |  | 1539405 | 7011 | SH |  | SOLE |  | 0 | 0 | 7011 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 251113 | 756 | SH |  | SOLE |  | 0 | 0 | 756 |
| APPLE INC | COM | 037833100 |  | 26902681 | 105654 | SH |  | SOLE |  | 0 | 0 | 105654 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1535368 | 3054 | SH |  | SOLE |  | 0 | 0 | 3054 |
| BROADRIDGE FINL SOLUTIONS IN | COM | 11133T103 |  | 330104 | 1386 | SH |  | SOLE |  | 0 | 0 | 1386 |
| CANADIAN NATL RY CO | COM | 136375102 |  | 900243 | 9547 | SH |  | SOLE |  | 0 | 0 | 9547 |
| CATERPILLAR INC | COM | 149123101 |  | 19827786 | 41555 | SH |  | SOLE |  | 0 | 0 | 41555 |
| CENCORA INC | COM | 03073E105 |  | 1184801 | 3791 | SH |  | SOLE |  | 0 | 0 | 3791 |
| CHEVRON CORP NEW | COM | 166764100 |  | 249706 | 1608 | SH |  | SOLE |  | 0 | 0 | 1608 |
| CHUBB LIMITED | COM | H1467J104 |  | 285073 | 1010 | SH |  | SOLE |  | 0 | 0 | 1010 |
| COCA COLA CO | COM | 191216100 |  | 7288516 | 109899 | SH |  | SOLE |  | 0 | 0 | 109899 |
| CORTEVA INC | COM | 22052L104 |  | 223450 | 3304 | SH |  | SOLE |  | 0 | 0 | 3304 |
| CUMMINS INC | COM | 231021106 |  | 12026834 | 28475 | SH |  | SOLE |  | 0 | 0 | 28475 |
| DANAHER CORPORATION | COM | 235851102 |  | 341800 | 1724 | SH |  | SOLE |  | 0 | 0 | 1724 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 2812168 | 72911 | SH |  | SOLE |  | 0 | 0 | 72911 |
| DISNEY WALT CO | COM | 254687106 |  | 4115702 | 35945 | SH |  | SOLE |  | 0 | 0 | 35945 |
| ELI LILLY  CO | COM | 532457108 |  | 776781 | 1018 | SH |  | SOLE |  | 0 | 0 | 1018 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 605271 | 5368 | SH |  | SOLE |  | 0 | 0 | 5368 |
| FIFTH THIRD BANCORP | COM | 316773100 |  | 549836 | 12342 | SH |  | SOLE |  | 0 | 0 | 12342 |
| FULTON FINL CORP PA | COM | 360271100 |  | 192038 | 10308 | SH |  | SOLE |  | 0 | 0 | 10308 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 256432 | 752 | SH |  | SOLE |  | 0 | 0 | 752 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 19479107 | 24460 | SH |  | SOLE |  | 0 | 0 | 24460 |
| HERSHEY CO | COM | 427866108 |  | 497740 | 2661 | SH |  | SOLE |  | 0 | 0 | 2661 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 283289 | 1004 | SH |  | SOLE |  | 0 | 0 | 1004 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 1106894 | 2475 | SH |  | SOLE |  | 0 | 0 | 2475 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 787255 | 4150 | SH |  | SOLE |  | 0 | 0 | 4150 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 432867 | 721 | SH |  | SOLE |  | 0 | 0 | 721 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 589290 | 9066 | SH |  | SOLE |  | 0 | 0 | 9066 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 313420 | 4307 | SH |  | SOLE |  | 0 | 0 | 4307 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 731049 | 6573 | SH |  | SOLE |  | 0 | 0 | 6573 |
| ISHARES TR | CORE S ETF | 464287200 |  | 30589202 | 45703 | SH |  | SOLE |  | 0 | 0 | 45703 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 2769607 | 27627 | SH |  | SOLE |  | 0 | 0 | 27627 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 207037 | 442 | SH |  | SOLE |  | 0 | 0 | 442 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 11959110 | 183958 | SH |  | SOLE |  | 0 | 0 | 183958 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 5686896 | 41138 | SH |  | SOLE |  | 0 | 0 | 41138 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 222990 | 2094 | SH |  | SOLE |  | 0 | 0 | 2094 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 10472586 | 38270 | SH |  | SOLE |  | 0 | 0 | 38270 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 12095489 | 98779 | SH |  | SOLE |  | 0 | 0 | 98779 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 322897 | 3124 | SH |  | SOLE |  | 0 | 0 | 3124 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 12063980 | 177203 | SH |  | SOLE |  | 0 | 0 | 177203 |
| ISHARES TR | IBONDS DEC25 ETF | 46434VBD1 |  | 844621 | 33530 | SH |  | SOLE |  | 0 | 0 | 33530 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 787247 | 32397 | SH |  | SOLE |  | 0 | 0 | 32397 |
| ISHARES TR | IBONDS DEC 26 | 46435U259 |  | 2535465 | 98810 | SH |  | SOLE |  | 0 | 0 | 98810 |
| ISHARES TR | IBONDS DEC 27 | 46435U283 |  | 2091599 | 82104 | SH |  | SOLE |  | 0 | 0 | 82104 |
| ISHARES TR | IBONDS DEC 28 | 46435U325 |  | 305090 | 11899 | SH |  | SOLE |  | 0 | 0 | 11899 |
| ISHARES TR | IBONDS DEC 25 | 46435U432 |  | 2687519 | 100318 | SH |  | SOLE |  | 0 | 0 | 100318 |
| ISHARES TR | IBDS DEC28 ETF | 46435U515 |  | 284497 | 11148 | SH |  | SOLE |  | 0 | 0 | 11148 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 474703 | 19503 | SH |  | SOLE |  | 0 | 0 | 19503 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 2409895 | 31818 | SH |  | SOLE |  | 0 | 0 | 31818 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 3909975 | 68225 | SH |  | SOLE |  | 0 | 0 | 68225 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 6888986 | 37153 | SH |  | SOLE |  | 0 | 0 | 37153 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 587015 | 1861 | SH |  | SOLE |  | 0 | 0 | 1861 |
| KLA CORP | COM NEW | 482480100 |  | 213790 | 198 | SH |  | SOLE |  | 0 | 0 | 198 |
| LOWES COS INC | COM | 548661107 |  | 5702778 | 22692 | SH |  | SOLE |  | 0 | 0 | 22692 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1179712 | 2074 | SH |  | SOLE |  | 0 | 0 | 2074 |
| MCDONALDS CORP | COM | 580135101 |  | 12699284 | 41789 | SH |  | SOLE |  | 0 | 0 | 41789 |
| META PLATFORMS INC | CL A | 30303M102 |  | 638911 | 870 | SH |  | SOLE |  | 0 | 0 | 870 |
| MICROSOFT CORP | COM | 594918104 |  | 11200702 | 21625 | SH |  | SOLE |  | 0 | 0 | 21625 |
| NETFLIX INC | COM | 64110L106 |  | 635428 | 530 | SH |  | SOLE |  | 0 | 0 | 530 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 3964586 | 71447 | SH |  | SOLE |  | 0 | 0 | 71447 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1772137 | 9498 | SH |  | SOLE |  | 0 | 0 | 9498 |
| NVR INC | COM | 62944T105 |  | 289248 | 36 | SH |  | SOLE |  | 0 | 0 | 36 |
| PACKAGING CORP AMER | COM | 695156109 |  | 1629108 | 7475 | SH |  | SOLE |  | 0 | 0 | 7475 |
| PEPSICO INC | COM | 713448108 |  | 374553 | 2667 | SH |  | SOLE |  | 0 | 0 | 2667 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 7756235 | 50480 | SH |  | SOLE |  | 0 | 0 | 50480 |
| QUEST DIAGNOSTICS INC | COM | 74834L100 |  | 8183934 | 42942 | SH |  | SOLE |  | 0 | 0 | 42942 |
| SMITH A O CORP | COM | 831865209 |  | 6144587 | 83702 | SH |  | SOLE |  | 0 | 0 | 83702 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1124707 | 3164 | SH |  | SOLE |  | 0 | 0 | 3164 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 499635 | 750 | SH |  | SOLE |  | 0 | 0 | 750 |
| STARBUCKS CORP | COM | 855244109 |  | 247117 | 2921 | SH |  | SOLE |  | 0 | 0 | 2921 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 571707 | 2047 | SH |  | SOLE |  | 0 | 0 | 2047 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 414705 | 1201 | SH |  | SOLE |  | 0 | 0 | 1201 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 300315 | 3285 | SH |  | SOLE |  | 0 | 0 | 3285 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 953750 | 3098 | SH |  | SOLE |  | 0 | 0 | 3098 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 705627 | 2775 | SH |  | SOLE |  | 0 | 0 | 2775 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 366770 | 6121 | SH |  | SOLE |  | 0 | 0 | 6121 |
| WALMART INC | COM | 931142103 |  | 16439216 | 159511 | SH |  | SOLE |  | 0 | 0 | 159511 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 15452483 | 69975 | SH |  | SOLE |  | 0 | 0 | 69975 |

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