# EDGAR Filing Document

**Accession Number:** 0001543991
**File Stem:** 0001398344-26-001931
**Filing Date:** 2026-2
**Character Count:** 13595
**Document Hash:** 8cceefebf0e96c1af05d4d6fcda4cfe0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-26-001931.hdr.sgml**: 20260203

**ACCESSION NUMBER**: 0001398344-26-001931

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260203

**DATE AS OF CHANGE**: 20260203

**EFFECTIVENESS DATE**: 20260203

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Smith & Howard Wealth Management, LLC
- **CENTRAL INDEX KEY:** 0001543991

**ORGANIZATION NAME:**
- **EIN:** 582474069
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-14923
- **FILM NUMBER:** 26590343

**BUSINESS ADDRESS:**
- **STREET 1:** 271 17TH STREET, NW
- **STREET 2:** SUITE 2100
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30363
- **BUSINESS PHONE:** 404.874.6244

**MAIL ADDRESS:**
- **STREET 1:** 271 17TH STREET, NW
- **STREET 2:** SUITE 2100
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30363

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Smith  Howard Wealth Management LLC<br>**Address:** 271 17TH STREET NW<br>SUITE 2100<br>ATLANTA, GA 30363

**Form 13F File Number:** 028-14923

**CRD Number (if applicable):** 000109540

**SEC File Number (if applicable):** 801-56734

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:** Tim Agnew<br>**Title:** Chief Compliance Officer<br>**Phone:** 404-874-6244

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

/s/ Tim Agnew  Atlanta, GA  01-22-2026<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:** 98

**Form 13F Information Table Value Total:** $444683865

      (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 |  | 214082 | 937 | SH |  | SOLE |  | 937 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 486403 | 1554 | SH |  | SOLE |  | 1554 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 743078 | 2368 | SH |  | SOLE |  | 2368 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 312530 | 1354 | SH |  | SOLE |  | 1354 | 0 | 0 |
| AMERICAN BEACON SELECT FUNDS | AHL TREND ETF | 02368W309 |  | 2427169 | 92155 | SH |  | SOLE |  | 92155 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 2604082 | 9579 | SH |  | SOLE |  | 9579 | 0 | 0 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 202096 | 2455 | SH |  | SOLE |  | 2455 | 0 | 0 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 342717 | 3066 | SH |  | SOLE |  | 3066 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 240295 | 4369 | SH |  | SOLE |  | 4369 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 4047840 | 8053 | SH |  | SOLE |  | 8053 | 0 | 0 |
| CELESTICA INC | COM | 15101Q207 |  | 266049 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 251923 | 1653 | SH |  | SOLE |  | 1653 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 621930 | 721 | SH |  | SOLE |  | 721 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1116844 | 9281 | SH |  | SOLE |  | 9281 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 339757 | 1103 | SH |  | SOLE |  | 1103 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 336660 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 1416715 | 4117 | SH |  | SOLE |  | 4117 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 305834 | 540 | SH |  | SOLE |  | 540 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 279934 | 2734 | SH |  | SOLE |  | 2734 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 3922200 | 45000 | SH |  | SOLE |  | 45000 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 36453837 | 407488 | SH |  | SOLE |  | 407488 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 12952491 | 192688 | SH |  | SOLE |  | 192688 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 585624 | 855 | SH |  | SOLE |  | 855 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 13143509 | 131593 | SH |  | SOLE |  | 131593 | 0 | 0 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 384762 | 8041 | SH |  | SOLE |  | 8041 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 352440 | 4342 | SH |  | SOLE |  | 4342 | 0 | 0 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 5680071 | 84613 | SH |  | SOLE |  | 84613 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 5286067 | 55046 | SH |  | SOLE |  | 55046 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 401423 | 7337 | SH |  | SOLE |  | 7337 | 0 | 0 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 255599 | 1984 | SH |  | SOLE |  | 1984 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 9891609 | 92350 | SH |  | SOLE |  | 92350 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 8504236 | 17968 | SH |  | SOLE |  | 17968 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 9107424 | 43299 | SH |  | SOLE |  | 43299 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 5522848 | 22436 | SH |  | SOLE |  | 22436 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 4615401 | 47942 | SH |  | SOLE |  | 47942 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 209415 | 1529 | SH |  | SOLE |  | 1529 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 651228 | 4617 | SH |  | SOLE |  | 4617 | 0 | 0 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 624107 | 6442 | SH |  | SOLE |  | 6442 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1402038 | 13140 | SH |  | SOLE |  | 13140 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1150378 | 5559 | SH |  | SOLE |  | 5559 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 524534 | 1628 | SH |  | SOLE |  | 1628 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 21356450 | 422900 | SH |  | SOLE |  | 422900 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 259731 | 537 | SH |  | SOLE |  | 537 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 389592 | 2100 | SH |  | SOLE |  | 2100 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 257340 | 842 | SH |  | SOLE |  | 842 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 437642 | 663 | SH |  | SOLE |  | 663 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 952248 | 1969 | SH |  | SOLE |  | 1969 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1714876 | 9195 | SH |  | SOLE |  | 9195 | 0 | 0 |
| PINTEREST INC | CL A | 72352L106 |  | 1470785 | 56809 | SH |  | SOLE |  | 56809 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 481734 | 3361 | SH |  | SOLE |  | 3361 | 0 | 0 |
| REGIONS FINANCIAL CORP NEW | COM | 7591EP100 |  | 222905 | 8225 | SH |  | SOLE |  | 8225 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 1193150 | 45488 | SH |  | SOLE |  | 45488 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 231458 | 4226 | SH |  | SOLE |  | 4226 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 992757 | 2505 | SH |  | SOLE |  | 2505 | 0 | 0 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 230283 | 6411 | SH |  | SOLE |  | 6411 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 228583 | 4878 | SH |  | SOLE |  | 4878 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 10173845 | 14919 | SH |  | SOLE |  | 14919 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 437102 | 3141 | SH |  | SOLE |  | 3141 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 621087 | 4314 | SH |  | SOLE |  | 4314 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 5489241 | 78519 | SH |  | SOLE |  | 78519 | 0 | 0 |
| TORTOISE CAPITAL SERIES TRUS | NORTH AMERN PIPE | 890930308 |  | 4030419 | 114196 | SH |  | SOLE |  | 114196 | 0 | 0 |
| UNITED CMNTY BKS BLAIRSVLE G | COM | 90984P303 |  | 227364 | 7283 | SH |  | SOLE |  | 7283 | 0 | 0 |
| VANGUARD MALVERN FDS | CORE BD ETF | 922020748 |  | 79352588 | 1018712 | SH |  | SOLE |  | 1018712 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 313406 | 1426 | SH |  | SOLE |  | 1426 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 1089424 | 14810 | SH |  | SOLE |  | 14810 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 15417968 | 246806 | SH |  | SOLE |  | 246806 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 9417868 | 175184 | SH |  | SOLE |  | 175184 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 17567505 | 36009 | SH |  | SOLE |  | 36009 | 0 | 0 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 921696 | 3202 | SH |  | SOLE |  | 3202 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 273836 | 1908 | SH |  | SOLE |  | 1908 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 14264267 | 49150 | SH |  | SOLE |  | 49150 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 225473 | 2548 | SH |  | SOLE |  | 2548 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1873760 | 2988 | SH |  | SOLE |  | 2988 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 294763 | 663 | SH |  | SOLE |  | 663 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 12002003 | 46528 | SH |  | SOLE |  | 46528 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 9782647 | 132073 | SH |  | SOLE |  | 132073 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 3610483 | 47859 | SH |  | SOLE |  | 47859 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 53464773 | 159468 | SH |  | SOLE |  | 159468 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 27282526 | 142848 | SH |  | SOLE |  | 142848 | 0 | 0 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 283308 | 3040 | SH |  | SOLE |  | 3040 | 0 | 0 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 31000 | 200 | SH | Call | SOLE |  | 200 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 89000 | 1000 | SH | Call | SOLE |  | 1000 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 90000 | 1000 | SH | Call | SOLE |  | 1000 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 2850000 | 30000 | SH | Call | SOLE |  | 30000 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 22500 | 500 | SH | Put | SOLE |  | 500 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 255000 | 3000 | SH | Put | SOLE |  | 3000 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 25000 | 100 | SH | Put | SOLE |  | 100 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 170000 | 2000 | SH | Put | SOLE |  | 2000 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 97900 | 1100 | SH | Put | SOLE |  | 1100 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 60000 | 300 | SH | Put | SOLE |  | 300 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 46500 | 500 | SH | Put | SOLE |  | 500 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 302500 | 500 | SH | Put | SOLE |  | 500 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2205000 | 3500 | SH | Put | SOLE |  | 3500 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 191400 | 300 | SH | Put | SOLE |  | 300 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 87000 | 1000 | SH | Put | SOLE |  | 1000 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 997500 | 10500 | SH | Put | SOLE |  | 10500 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 57000 | 200 | SH | Put | SOLE |  | 200 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 92500 | 500 | SH | Put | SOLE |  | 500 | 0 | 0 |

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