# EDGAR Filing Document

**Accession Number:** 0002055328
**File Stem:** 0002055328-25-000003
**Filing Date:** 2025-8
**Character Count:** 14238
**Document Hash:** c8af74165db14399e4d862007b9e2f16
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002055328-25-000003.hdr.sgml**: 20250805

**ACCESSION NUMBER**: 0002055328-25-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250805

**DATE AS OF CHANGE**: 20250804

**EFFECTIVENESS DATE**: 20250805

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Frederick Financial Consultants, LLC
- **CENTRAL INDEX KEY:** 0002055328

**ORGANIZATION NAME:**
- **EIN:** 863521676
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25065
- **FILM NUMBER:** 251182393

**BUSINESS ADDRESS:**
- **STREET 1:** 7101 GUILFORD DRIVE,
- **STREET 2:** SUITE 104
- **CITY:** FREDERICK
- **STATE:** MD
- **ZIP:** 21704
- **BUSINESS PHONE:** 301-228-9300

**MAIL ADDRESS:**
- **STREET 1:** 7101 GUILFORD DRIVE,
- **STREET 2:** SUITE 104
- **CITY:** FREDERICK
- **STATE:** MD
- **ZIP:** 21704

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Frederick Financial Consultants LLC<br>**Address:** 7101 GUILFORD DRIVE<br>SUITE 104<br>FREDERICK, MD 21704

**Form 13F File Number:** 028-25065

**CRD Number (if applicable):** 000314290

**SEC File Number (if applicable):** 801-121334

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:** Brian Runkles<br>**Title:** Chief Compliance Officer<br>**Phone:** 301-228-9300

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

Brian Runkles  Frederick, MD  08-04-2025<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:** 2

**Form 13F Information Table Entry Total:** 103

**Form 13F Information Table Value Total:** $161008026

      (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.]

| No.   | Name                                   | Form 13F File Number   |
|:---|:---|:---|
|  | GOLDMAN SACHS ASSET MANAGEMENT L.P.    | 028-10981              |
|  | J.P. Morgan Investment Management Inc. | 028-11937              |

### 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 |  | 490230 | 2641 | SH |  | DFND | 1 2 | 0 | 0 | 2641 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 676893 | 3841 | SH |  | DFND | 2 | 0 | 0 | 3841 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 918299 | 5177 | SH |  | DFND | 1 | 0 | 0 | 5177 |
| AMAZON COM INC | COM | 023135106 |  | 1081812 | 4931 | SH |  | DFND | 1 2 | 0 | 0 | 4931 |
| AMERICAN CENTY ETF TR | DIVERSIFIED MU | 025072505 |  | 745403 | 15234 | SH |  | SOLE |  | 0 | 0 | 15234 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 225330 | 706 | SH |  | DFND | 1 2 | 0 | 0 | 706 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 602573 | 1129 | SH |  | DFND | 1 | 0 | 0 | 1129 |
| APPLE INC | COM | 037833100 |  | 4536585 | 22111 | SH |  | DFND | 1 2 | 0 | 0 | 22111 |
| AT INC | COM | 00206R102 |  | 412820 | 14265 | SH |  | DFND | 1 | 0 | 0 | 14265 |
| BANK AMERICA CORP | COM | 060505104 |  | 355548 | 7514 | SH |  | DFND | 1 2 | 0 | 0 | 7514 |
| BROADCOM INC | COM | 11135F101 |  | 366188 | 1328 | SH |  | DFND | 1 2 | 0 | 0 | 1328 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 609552 | 2865 | SH |  | DFND | 1 2 | 0 | 0 | 2865 |
| COCA COLA CO | COM | 191216100 |  | 278302 | 3934 | SH |  | DFND | 1 | 0 | 0 | 3934 |
| COLUMBIA ETF TR I | RESH ENHNC VLU | 19761L805 |  | 909196 | 34595 | SH |  | SOLE |  | 0 | 0 | 34595 |
| COLUMBIA ETF TR I | MULTI SEC MUNI | 19761L607 |  | 2573468 | 127906 | SH |  | SOLE |  | 0 | 0 | 127906 |
| DEERE  CO | COM | 244199105 |  | 507236 | 998 | SH |  | DFND | 1 | 0 | 0 | 998 |
| DOVER CORP | COM | 260003108 |  | 277227 | 1513 | SH |  | DFND | 1 2 | 0 | 0 | 1513 |
| EATON CORP PLC | SHS | G29183103 |  | 206373 | 578 | SH |  | DFND | 1 2 | 0 | 0 | 578 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 404329 | 3751 | SH |  | DFND | 1 2 | 0 | 0 | 3751 |
| FIRST TR EXCH TRADED FD III | LNG/SHT EQUITY | 33739P103 |  | 1755326 | 26483 | SH |  | SOLE |  | 0 | 0 | 26483 |
| FIRST TR EXCH TRADED FD III | MERGER ARBITRA | 33740J203 |  | 1394281 | 68197 | SH |  | SOLE |  | 0 | 0 | 68197 |
| FIRST TR EXCHANGE TRADED FD | RISNG DIVD ACHIV | 33738R506 |  | 6671537 | 106336 | SH |  | SOLE |  | 0 | 0 | 106336 |
| FIRST TR EXCHANGE TRADED FD | RBA INDL ETF | 33738R704 |  | 11143243 | 136895 | SH |  | SOLE |  | 0 | 0 | 136895 |
| FIRST TR EXCHANGE TRADED FD | DORSEY WRT 5 ETF | 33738R605 |  | 10808543 | 182392 | SH |  | SOLE |  | 0 | 0 | 182392 |
| FIRST TR EXCHANGE-TRADED FD | SMID RISNG ETF | 33741X102 |  | 485202 | 13753 | SH |  | SOLE |  | 0 | 0 | 13753 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST LADDERED | 33740F755 |  | 8968713 | 282035 | SH |  | SOLE |  | 0 | 0 | 282035 |
| FS KKR CAP CORP | COM | 302635206 |  | 370784 | 17869 | SH |  | SOLE |  | 0 | 0 | 17869 |
| HERSHEY CO | COM | 427866108 |  | 244634 | 1474 | SH |  | DFND | 1 | 0 | 0 | 1474 |
| HOME DEPOT INC | COM | 437076102 |  | 260061 | 709 | SH |  | DFND | 1 2 | 0 | 0 | 709 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1891791 | 6418 | SH |  | DFND | 1 2 | 0 | 0 | 6418 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 288361 | 1587 | SH |  | SOLE |  | 0 | 0 | 1587 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1935273 | 3508 | SH |  | SOLE |  | 0 | 0 | 3508 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 353492 | 1041 | SH |  | DFND | 2 | 0 | 0 | 1041 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 205927 | 1522 | SH |  | DFND | 2 | 0 | 0 | 1522 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 215207 | 1594 | SH |  | DFND | 2 | 0 | 0 | 1594 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 231374 | 1799 | SH |  | DFND | 2 | 0 | 0 | 1799 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 332582 | 1819 | SH |  | DFND | 2 | 0 | 0 | 1819 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 216522 | 1864 | SH |  | DFND | 2 | 0 | 0 | 1864 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 262880 | 2074 | SH |  | DFND | 2 | 0 | 0 | 2074 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1352113 | 2178 | SH |  | DFND | 2 | 0 | 0 | 2178 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 274835 | 2308 | SH |  | DFND | 2 | 0 | 0 | 2308 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 220595 | 2350 | SH |  | DFND | 2 | 0 | 0 | 2350 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 414478 | 2756 | SH |  | DFND | 2 | 0 | 0 | 2756 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 1118153 | 3912 | SH |  | DFND | 2 | 0 | 0 | 3912 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 429853 | 5154 | SH |  | DFND | 2 | 0 | 0 | 5154 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 292296 | 6059 | SH |  | DFND | 2 | 0 | 0 | 6059 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1308882 | 6739 | SH |  | DFND | 2 | 0 | 0 | 6739 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1236499 | 7838 | SH |  | DFND | 2 | 0 | 0 | 7838 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 747691 | 8073 | SH |  | DFND | 2 | 0 | 0 | 8073 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 352340 | 10210 | SH |  | DFND | 2 | 0 | 0 | 10210 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 2209442 | 10239 | SH |  | DFND | 2 | 0 | 0 | 10239 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 922205 | 10317 | SH |  | DFND | 2 | 0 | 0 | 10317 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 8724525 | 20549 | SH |  | DFND | 2 | 0 | 0 | 20549 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDRS US | 46641Q399 |  | 211193 | 1887 | SH |  | DFND | 2 | 0 | 0 | 1887 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 974795 | 17919 | SH |  | DFND | 2 | 0 | 0 | 17919 |
| J P MORGAN EXCHANGE TRADED F | SHORT DURA CORE | 46641Q274 |  | 1127389 | 23765 | SH |  | DFND | 2 | 0 | 0 | 23765 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 2746004 | 48303 | SH |  | DFND | 2 | 0 | 0 | 48303 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 |  | 3353707 | 54862 | SH |  | SOLE |  | 0 | 0 | 54862 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 336423 | 2202 | SH |  | DFND | 1 2 | 0 | 0 | 2202 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 420169 | 1449 | SH |  | DFND | 1 | 0 | 0 | 1449 |
| LEIDOS HOLDINGS INC | COM | 525327102 |  | 233563 | 1480 | SH |  | SOLE |  | 0 | 0 | 1480 |
| LINDE PLC | SHS | G54950103 |  | 208864 | 445 | SH |  | DFND | 1 2 | 0 | 0 | 445 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 1413706 | 3052 | SH |  | DFND | 1 | 0 | 0 | 3052 |
| LOWES COS INC | COM | 548661107 |  | 273391 | 1232 | SH |  | DFND | 1 2 | 0 | 0 | 1232 |
| M  T BK CORP | COM | 55261F104 |  | 240278 | 1239 | SH |  | SOLE |  | 0 | 0 | 1239 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 961896 | 3521 | SH |  | SOLE |  | 0 | 0 | 3521 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 657887 | 1171 | SH |  | DFND | 1 2 | 0 | 0 | 1171 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 |  | 584180 | 7705 | SH |  | DFND | 1 | 0 | 0 | 7705 |
| MCDONALDS CORP | COM | 580135101 |  | 242609 | 830 | SH |  | DFND | 1 2 | 0 | 0 | 830 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1015992 | 1377 | SH |  | DFND | 1 2 | 0 | 0 | 1377 |
| MICROSOFT CORP | COM | 594918104 |  | 2390996 | 4807 | SH |  | DFND | 1 2 | 0 | 0 | 4807 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 251130 | 1783 | SH |  | DFND | 1 2 | 0 | 0 | 1783 |
| NETFLIX INC | COM | 64110L106 |  | 245481 | 183 | SH |  | DFND | 1 2 | 0 | 0 | 183 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 316305 | 4556 | SH |  | DFND | 1 2 | 0 | 0 | 4556 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3266633 | 20676 | SH |  | DFND | 1 2 | 0 | 0 | 20676 |
| PEPSICO INC | COM | 713448108 |  | 254510 | 1928 | SH |  | DFND | 1 2 | 0 | 0 | 1928 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 210665 | 1157 | SH |  | DFND | 1 2 | 0 | 0 | 1157 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 754442 | 4047 | SH |  | DFND | 1 | 0 | 0 | 4047 |
| PROGRESSIVE CORP | COM | 743315103 |  | 234126 | 877 | SH |  | DFND | 1 2 | 0 | 0 | 877 |
| PROSHARES TR | HD REPLICATION | 74347X294 |  | 3556939 | 71810 | SH |  | SOLE |  | 0 | 0 | 71810 |
| S  T BANCORP INC | COM | 783859101 |  | 355801 | 9408 | SH |  | SOLE |  | 0 | 0 | 9408 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 368048 | 13889 | SH |  | SOLE |  | 0 | 0 | 13889 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 4397759 | 12808 | SH |  | DFND | 1 2 | 0 | 0 | 12808 |
| SOUTHERN CO | COM | 842587107 |  | 255568 | 2783 | SH |  | DFND | 1 2 | 0 | 0 | 2783 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 767562 | 2518 | SH |  | SOLE |  | 0 | 0 | 2518 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1437389 | 2326 | SH |  | SOLE |  | 0 | 0 | 2326 |
| SPDR SERIES TRUST | DJ REIT ETF | 78464A607 |  | 9414045 | 97616 | SH |  | SOLE |  | 0 | 0 | 97616 |
| SPDR SERIES TRUST | S KENSHO FUTRE | 78468R671 |  | 11801119 | 155355 | SH |  | SOLE |  | 0 | 0 | 155355 |
| TESLA INC | COM | 88160R101 |  | 1404057 | 4420 | SH |  | DFND | 1 2 | 0 | 0 | 4420 |
| TEXAS INSTRS INC | COM | 882508104 |  | 226374 | 1090 | SH |  | DFND | 1 2 | 0 | 0 | 1090 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 259452 | 6035 | SH |  | DFND | 1 | 0 | 0 | 6035 |
| UNITED THERAPEUTICS CORP DEL | COM | 91307C102 |  | 287350 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 260415 | 835 | SH |  | DFND | 1 2 | 0 | 0 | 835 |
| VANECK ETF TRUST | URANIUM AND NUCL | 92189F601 |  | 266165 | 2394 | SH |  | SOLE |  | 0 | 0 | 2394 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 526429 | 2700 | SH |  | SOLE |  | 0 | 0 | 2700 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1811036 | 36616 | SH |  | SOLE |  | 0 | 0 | 36616 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 5410744 | 49549 | SH |  | SOLE |  | 0 | 0 | 49549 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 5861931 | 28641 | SH |  | SOLE |  | 0 | 0 | 28641 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 3686371 | 40905 | SH |  | SOLE |  | 0 | 0 | 40905 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 259342 | 391 | SH |  | SOLE |  | 0 | 0 | 391 |
| VISA INC | COM CL A | 92826C839 |  | 554069 | 1561 | SH |  | DFND | 1 | 0 | 0 | 1561 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 289844 | 3618 | SH |  | DFND | 1 2 | 0 | 0 | 3618 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 806879 | 12315 | SH |  | SOLE |  | 0 | 0 | 12315 |

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