# EDGAR Filing Document

**Accession Number:** 0002107629
**File Stem:** 0002107629-26-000001
**Filing Date:** 2026-1
**Character Count:** 12041
**Document Hash:** 7a851e62189e10c15103c89c3287922a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002107629-26-000001.hdr.sgml**: 20260129

**ACCESSION NUMBER**: 0002107629-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260129

**DATE AS OF CHANGE**: 20260129

**EFFECTIVENESS DATE**: 20260129

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J. Team Financial, Inc.
- **CENTRAL INDEX KEY:** 0002107629

**ORGANIZATION NAME:**
- **EIN:** 260596503
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26014
- **FILM NUMBER:** 26576425

**BUSINESS ADDRESS:**
- **STREET 1:** 425 CYPRESS ST
- **CITY:** ABILENE
- **STATE:** TX
- **ZIP:** 79601
- **BUSINESS PHONE:** 325-480-1587

**MAIL ADDRESS:**
- **STREET 1:** 425 CYPRESS ST
- **CITY:** ABILENE
- **STATE:** TX
- **ZIP:** 79601

### 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:** J. Team Financial Inc.<br>**Address:** 425 CYPRESS ST<br>ABILENE, TX 79601

**Form 13F File Number:** 028-26014

**CRD Number (if applicable):** 000134104

**SEC File Number (if applicable):** 801-78596

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:** Sarah H Schmidt<br>**Title:** Consultant<br>**Phone:** 8592034734

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

Sarah H Schmidt  Covington, KY  01-29-2026<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:** 87

**Form 13F Information Table Value Total:** $100070223

      (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 |
| AT INC | COM | 00206R102 |  | 905709 | 36462 | SH |  | SOLE | 0 | 0 | 0 | 36462 |
| ADOBE INC | COM | 00724F101 |  | 796577 | 2276 | SH |  | SOLE | 0 | 0 | 0 | 2276 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 270914 | 863 | SH |  | SOLE | 0 | 0 | 0 | 863 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1345337 | 4298 | SH |  | SOLE | 0 | 0 | 0 | 4298 |
| AMAZON COM INC | COM | 023135106 |  | 2844078 | 12174 | SH |  | SOLE | 0 | 0 | 0 | 12174 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 3405290 | 30464 | SH |  | SOLE | 0 | 0 | 0 | 30464 |
| ANGEL OAK FUNDS TRUST | OAK ULTRASHORT | 03463K752 |  | 4544102 | 88848 | SH |  | SOLE | 0 | 0 | 0 | 88848 |
| ANGEL OAK FUNDS TRUST | INCOME ETF | 03463K760 |  | 1959766 | 94104 | SH |  | SOLE | 0 | 0 | 0 | 94104 |
| APPLE INC | COM | 037833100 |  | 6212055 | 22850 | SH |  | SOLE | 0 | 0 | 0 | 22850 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 574567 | 4385 | SH |  | SOLE | 0 | 0 | 0 | 4385 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 404323 | 3483 | SH |  | SOLE | 0 | 0 | 0 | 3483 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1360774 | 2707 | SH |  | SOLE | 0 | 0 | 0 | 2707 |
| BEST BUY INC | COM | 086516101 |  | 284537 | 4251 | SH |  | SOLE | 0 | 0 | 0 | 4251 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 380985 | 7063 | SH |  | SOLE | 0 | 0 | 0 | 7063 |
| BROADCOM INC | COM | 11135F101 |  | 254166 | 734 | SH |  | SOLE | 0 | 0 | 0 | 734 |
| CF INDS HLDGS INC | COM | 125269100 |  | 244461 | 3161 | SH |  | SOLE | 0 | 0 | 0 | 3161 |
| CATERPILLAR INC | COM | 149123101 |  | 827325 | 1444 | SH |  | SOLE | 0 | 0 | 0 | 1444 |
| CHEVRON CORP NEW | COM | 166764100 |  | 926192 | 6077 | SH |  | SOLE | 0 | 0 | 0 | 6077 |
| CISCO SYS INC | COM | 17275R102 |  | 318623 | 4136 | SH |  | SOLE | 0 | 0 | 0 | 4136 |
| COMFORT SYS USA INC | COM | 199908104 |  | 224658 | 241 | SH |  | SOLE | 0 | 0 | 0 | 241 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 2243674 | 23968 | SH |  | SOLE | 0 | 0 | 0 | 23968 |
| COPART INC | COM | 217204106 |  | 208493 | 5326 | SH |  | SOLE | 0 | 0 | 0 | 5326 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 521027 | 1112 | SH |  | SOLE | 0 | 0 | 0 | 1112 |
| DEERE  CO | COM | 244199105 |  | 2005283 | 4307 | SH |  | SOLE | 0 | 0 | 0 | 4307 |
| DELL TECHNOLOGIES INC | CL C | 24703L202 |  | 417534 | 3317 | SH |  | SOLE | 0 | 0 | 0 | 3317 |
| DOLLAR TREE INC | COM | 256746108 |  | 389204 | 3164 | SH |  | SOLE | 0 | 0 | 0 | 3164 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 305067 | 2603 | SH |  | SOLE | 0 | 0 | 0 | 2603 |
| EOG RES INC | COM | 26875P101 |  | 301519 | 2871 | SH |  | SOLE | 0 | 0 | 0 | 2871 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1483316 | 12326 | SH |  | SOLE | 0 | 0 | 0 | 12326 |
| META PLATFORMS INC | CL A | 30303M102 |  | 234009 | 355 | SH |  | SOLE | 0 | 0 | 0 | 355 |
| FIRST TR EXCHANGE-TRADED FD | DJ INTERNT IDX | 33733E302 |  | 225034 | 836 | SH |  | SOLE | 0 | 0 | 0 | 836 |
| GLOBAL X FDS | S 500 COVERED | 37954Y475 |  | 2103740 | 51778 | SH |  | SOLE | 0 | 0 | 0 | 51778 |
| GLOBAL X FDS | NASDAQ 100 COVER | 37954Y483 |  | 2130374 | 120564 | SH |  | SOLE | 0 | 0 | 0 | 120564 |
| HP INC | COM | 40434L105 |  | 280154 | 12574 | SH |  | SOLE | 0 | 0 | 0 | 12574 |
| HOME DEPOT INC | COM | 437076102 |  | 1757889 | 5109 | SH |  | SOLE | 0 | 0 | 0 | 5109 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 309389 | 1256 | SH |  | SOLE | 0 | 0 | 0 | 1256 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 6767682 | 11017 | SH |  | SOLE | 0 | 0 | 0 | 11017 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 6769595 | 345829 | SH |  | SOLE | 0 | 0 | 0 | 345829 |
| ISHARES INC | MSCI AUST ETF | 464286103 |  | 355266 | 13565 | SH |  | SOLE | 0 | 0 | 0 | 13565 |
| ISHARES INC | MSCI STH KOR ETF | 464286772 |  | 385321 | 3963 | SH |  | SOLE | 0 | 0 | 0 | 3963 |
| ISHARES INC | MSCI STH AFR ETF | 464286780 |  | 374864 | 5449 | SH |  | SOLE | 0 | 0 | 0 | 5449 |
| ISHARES INC | MSCI MEXICO ETF | 464286822 |  | 1219725 | 17593 | SH |  | SOLE | 0 | 0 | 0 | 17593 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 584966 | 7092 | SH |  | SOLE | 0 | 0 | 0 | 7092 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 5360016 | 93641 | SH |  | SOLE | 0 | 0 | 0 | 93641 |
| KRATOS DEFENSE  SEC SOLUTIO | COM NEW | 50077B207 |  | 439823 | 5794 | SH |  | SOLE | 0 | 0 | 0 | 5794 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 391423 | 809 | SH |  | SOLE | 0 | 0 | 0 | 809 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1099199 | 1925 | SH |  | SOLE | 0 | 0 | 0 | 1925 |
| MCDONALDS CORP | COM | 580135101 |  | 1173912 | 3841 | SH |  | SOLE | 0 | 0 | 0 | 3841 |
| MCKESSON CORP | COM | 58155Q103 |  | 597239 | 728 | SH |  | SOLE | 0 | 0 | 0 | 728 |
| MICROSOFT CORP | COM | 594918104 |  | 2645283 | 5470 | SH |  | SOLE | 0 | 0 | 0 | 5470 |
| MONGODB INC | CL A | 60937P106 |  | 228731 | 545 | SH |  | SOLE | 0 | 0 | 0 | 545 |
| NETAPP INC | COM | 64110D104 |  | 341469 | 3189 | SH |  | SOLE | 0 | 0 | 0 | 3189 |
| GEN DIGITAL INC | COM | 668771108 |  | 279518 | 10280 | SH |  | SOLE | 0 | 0 | 0 | 10280 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 5257017 | 27419 | SH |  | SOLE | 0 | 0 | 0 | 27419 |
| OMNICOM GROUP INC | COM | 681919106 |  | 386746 | 4789 | SH |  | SOLE | 0 | 0 | 0 | 4789 |
| ORACLE CORP | COM | 68389X105 |  | 875577 | 4492 | SH |  | SOLE | 0 | 0 | 0 | 4492 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 276150 | 3161 | SH |  | SOLE | 0 | 0 | 0 | 3161 |
| PFIZER INC | COM | 717081103 |  | 356801 | 14329 | SH |  | SOLE | 0 | 0 | 0 | 14329 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 994565 | 6940 | SH |  | SOLE | 0 | 0 | 0 | 6940 |
| QUALCOMM INC | COM | 747525103 |  | 357094 | 2088 | SH |  | SOLE | 0 | 0 | 0 | 2088 |
| QUANTA SVCS INC | COM | 74762E102 |  | 232372 | 551 | SH |  | SOLE | 0 | 0 | 0 | 551 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1158825 | 1699 | SH |  | SOLE | 0 | 0 | 0 | 1699 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 340772 | 565 | SH |  | SOLE | 0 | 0 | 0 | 565 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 728700 | 7294 | SH |  | SOLE | 0 | 0 | 0 | 7294 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 2246358 | 14511 | SH |  | SOLE | 0 | 0 | 0 | 14511 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 376718 | 2617 | SH |  | SOLE | 0 | 0 | 0 | 2617 |
| SELECT SECTOR SPDR TR | STATE STREET REA | 81369Y860 |  | 2638700 | 65395 | SH |  | SOLE | 0 | 0 | 0 | 65395 |
| SIMON PPTY GROUP INC NEW | COM | 828806109 |  | 373670 | 2019 | SH |  | SOLE | 0 | 0 | 0 | 2019 |
| SYNCHRONY FINANCIAL | COM | 87165B103 |  | 406335 | 4870 | SH |  | SOLE | 0 | 0 | 0 | 4870 |
| TERADYNE INC | COM | 880770102 |  | 240750 | 1244 | SH |  | SOLE | 0 | 0 | 0 | 1244 |
| TESLA INC | COM | 88160R101 |  | 1451229 | 3227 | SH |  | SOLE | 0 | 0 | 0 | 3227 |
| TEXAS INSTRS INC | COM | 882508104 |  | 834788 | 4812 | SH |  | SOLE | 0 | 0 | 0 | 4812 |
| TEXAS PACIFIC LAND CORPORATI | COM | 88262P102 |  | 758579 | 2599 | SH |  | SOLE | 0 | 0 | 0 | 2599 |
| TOYOTA MOTOR CORP | ADS | 892331307 |  | 659468 | 3081 | SH |  | SOLE | 0 | 0 | 0 | 3081 |
| UNITED STS LIME  MINERALS I | COM | 911922102 |  | 374971 | 3132 | SH |  | SOLE | 0 | 0 | 0 | 3132 |
| URANIUM ENERGY CORP | COM | 916896103 |  | 368761 | 31572 | SH |  | SOLE | 0 | 0 | 0 | 31572 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1875334 | 37916 | SH |  | SOLE | 0 | 0 | 0 | 37916 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 400065 | 1193 | SH |  | SOLE | 0 | 0 | 0 | 1193 |
| VISA INC | COM CL A | 92826C839 |  | 292539 | 834 | SH |  | SOLE | 0 | 0 | 0 | 834 |
| VISTRA CORP | COM | 92840M102 |  | 247369 | 1533 | SH |  | SOLE | 0 | 0 | 0 | 1533 |
| WALMART INC | COM | 931142103 |  | 498981 | 4479 | SH |  | SOLE | 0 | 0 | 0 | 4479 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 1414008 | 6436 | SH |  | SOLE | 0 | 0 | 0 | 6436 |
| WILLIAMS SONOMA INC | COM | 969904101 |  | 336533 | 1884 | SH |  | SOLE | 0 | 0 | 0 | 1884 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 |  | 378228 | 2624 | SH |  | SOLE | 0 | 0 | 0 | 2624 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 274053 | 1021 | SH |  | SOLE | 0 | 0 | 0 | 1021 |
| EVEREST GROUP LTD | COM | G3223R108 |  | 303221 | 894 | SH |  | SOLE | 0 | 0 | 0 | 894 |
| FLEX LTD | ORD | Y2573F102 |  | 340769 | 5640 | SH |  | SOLE | 0 | 0 | 0 | 5640 |

---