# EDGAR Filing Document

**Accession Number:** 0002109821
**File Stem:** 0001172661-26-001850
**Filing Date:** 2026-5
**Character Count:** 10802
**Document Hash:** 77d11539666d758b0849f9a1773cae00
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-001850.hdr.sgml**: 20260514

**ACCESSION NUMBER**: 0001172661-26-001850

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260514

**DATE AS OF CHANGE**: 20260513

**EFFECTIVENESS DATE**: 20260514

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ballast Financial Advisors LLC
- **CENTRAL INDEX KEY:** 0002109821

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26543
- **FILM NUMBER:** 26975467

**BUSINESS ADDRESS:**
- **STREET 1:** 535 N CHURCH ST
- **STREET 2:** STE 205
- **CITY:** WEST CHESTER
- **STATE:** PA
- **ZIP:** 19380
- **BUSINESS PHONE:** 3022538437

**MAIL ADDRESS:**
- **STREET 1:** 535 N CHURCH ST
- **STREET 2:** STE 205
- **CITY:** WEST CHESTER
- **STATE:** PA
- **ZIP:** 19380

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** Ballast Financial Advisors LLC<br>**Address:** 535 N CHURCH ST<br>STE 205<br>WEST CHESTER, PA 19380

**Form 13F File Number:** 028-26543

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:** Joseph Baker<br>**Title:** Chief Compliance Officer<br>**Phone:** 302-253-8437

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

/s/ Joseph Baker  Georgetown, DE  05-13-2026<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:** 68

**Form 13F Information Table Value Total:** $97531694

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 463932 | 1613 | SH |  | SOLE |  | 0 | 0 | 1613 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 4169149 | 51720 | SH |  | SOLE |  | 0 | 0 | 51720 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 4398915 | 39820 | SH |  | SOLE |  | 0 | 0 | 39820 |
| APPLE INC | COM | 037833100 |  | 362501 | 1428 | SH |  | SOLE |  | 0 | 0 | 1428 |
| BANK AMERICA CORP | COM | 060505104 |  | 233221 | 4784 | SH |  | SOLE |  | 0 | 0 | 4784 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 565727 | 14521 | SH |  | SOLE |  | 0 | 0 | 14521 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 378292 | 9735 | SH |  | SOLE |  | 0 | 0 | 9735 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 1742422 | 51750 | SH |  | SOLE |  | 0 | 0 | 51750 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 278251 | 3924 | SH |  | SOLE |  | 0 | 0 | 3924 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 1782711 | 51598 | SH |  | SOLE |  | 0 | 0 | 51598 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 1111810 | 47011 | SH |  | SOLE |  | 0 | 0 | 47011 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 1045791 | 26516 | SH |  | SOLE |  | 0 | 0 | 26516 |
| ELI LILLY  CO | COM | 532457108 |  | 275931 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| FIDELITY COVINGTON TRUST | VLU FACTOR ETF | 316092782 |  | 645716 | 9304 | SH |  | SOLE |  | 0 | 0 | 9304 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 1585022 | 34744 | SH |  | SOLE |  | 0 | 0 | 34744 |
| GRAYSCALE BITCOIN TRUST ETF | SHS REP COM UT | 389637109 |  | 937070 | 17761 | SH |  | SOLE |  | 0 | 0 | 17761 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 474867 | 823 | SH |  | SOLE |  | 0 | 0 | 823 |
| IONQ INC | COM | 46222L108 |  | 288300 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 10885314 | 224625 | SH |  | SOLE |  | 0 | 0 | 224625 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 453655 | 6464 | SH |  | SOLE |  | 0 | 0 | 6464 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 486867 | 1481 | SH |  | SOLE |  | 0 | 0 | 1481 |
| ISHARES TR | RUSEL 2500 ETF | 46435G268 |  | 208944 | 2737 | SH |  | SOLE |  | 0 | 0 | 2737 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 540883 | 5563 | SH |  | SOLE |  | 0 | 0 | 5563 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 682648 | 7879 | SH |  | SOLE |  | 0 | 0 | 7879 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 364898 | 7210 | SH |  | SOLE |  | 0 | 0 | 7210 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 3602872 | 58755 | SH |  | SOLE |  | 0 | 0 | 58755 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 |  | 742276 | 15766 | SH |  | SOLE |  | 0 | 0 | 15766 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 257006 | 874 | SH |  | SOLE |  | 0 | 0 | 874 |
| MICROSOFT CORP | COM | 594918104 |  | 237279 | 641 | SH |  | SOLE |  | 0 | 0 | 641 |
| NEWMONT CORP | COM | 651639106 |  | 260480 | 2406 | SH |  | SOLE |  | 0 | 0 | 2406 |
| NUSCALE PWR CORP | CL A COM | 67079K100 |  | 218968 | 20200 | SH |  | SOLE |  | 0 | 0 | 20200 |
| RBB FD INC | F/M US TREASURY | 74933W452 |  | 220182 | 4416 | SH |  | SOLE |  | 0 | 0 | 4416 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 10836431 | 466685 | SH |  | SOLE |  | 0 | 0 | 466685 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 5928711 | 121167 | SH |  | SOLE |  | 0 | 0 | 121167 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 1272077 | 45676 | SH |  | SOLE |  | 0 | 0 | 45676 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 1497003 | 49082 | SH |  | SOLE |  | 0 | 0 | 49082 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 2132176 | 73195 | SH |  | SOLE |  | 0 | 0 | 73195 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 3430042 | 138588 | SH |  | SOLE |  | 0 | 0 | 138588 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 278361 | 7276 | SH |  | SOLE |  | 0 | 0 | 7276 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 257431 | 8391 | SH |  | SOLE |  | 0 | 0 | 8391 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 383148 | 8197 | SH |  | SOLE |  | 0 | 0 | 8197 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 |  | 901438 | 19444 | SH |  | SOLE |  | 0 | 0 | 19444 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 10814745 | 421792 | SH |  | SOLE |  | 0 | 0 | 421792 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 268590 | 5853 | SH |  | SOLE |  | 0 | 0 | 5853 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X756 |  | 236136 | 3571 | SH |  | SOLE |  | 0 | 0 | 3571 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 245790 | 5384 | SH |  | SOLE |  | 0 | 0 | 5384 |
| SSGA ACTIVE ETF TR | STATE STREET DOU | 78467V848 |  | 427932 | 10771 | SH |  | SOLE |  | 0 | 0 | 10771 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 504664 | 776 | SH |  | SOLE |  | 0 | 0 | 776 |
| TJX COS INC NEW | COM | 872540109 |  | 325027 | 2035 | SH |  | SOLE |  | 0 | 0 | 2035 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 706317 | 9008 | SH |  | SOLE |  | 0 | 0 | 9008 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1591481 | 21612 | SH |  | SOLE |  | 0 | 0 | 21612 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1058741 | 5396 | SH |  | SOLE |  | 0 | 0 | 5396 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 2344873 | 7758 | SH |  | SOLE |  | 0 | 0 | 7758 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 569382 | 1905 | SH |  | SOLE |  | 0 | 0 | 1905 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 2037893 | 4666 | SH |  | SOLE |  | 0 | 0 | 4666 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 280163 | 976 | SH |  | SOLE |  | 0 | 0 | 976 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 774425 | 1296 | SH |  | SOLE |  | 0 | 0 | 1296 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 900528 | 3438 | SH |  | SOLE |  | 0 | 0 | 3438 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1070209 | 4926 | SH |  | SOLE |  | 0 | 0 | 4926 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 366449 | 4844 | SH |  | SOLE |  | 0 | 0 | 4844 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 500340 | 3617 | SH |  | SOLE |  | 0 | 0 | 3617 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 305728 | 5656 | SH |  | SOLE |  | 0 | 0 | 5656 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 977285 | 12329 | SH |  | SOLE |  | 0 | 0 | 12329 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 1018778 | 12312 | SH |  | SOLE |  | 0 | 0 | 12312 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 2230963 | 10374 | SH |  | SOLE |  | 0 | 0 | 10374 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 231889 | 3007 | SH |  | SOLE |  | 0 | 0 | 3007 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 339904 | 2295 | SH |  | SOLE |  | 0 | 0 | 2295 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 584744 | 6610 | SH |  | SOLE |  | 0 | 0 | 6610 |

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