# EDGAR Filing Document

**Accession Number:** 0001921448
**File Stem:** 0001172661-25-004324
**Filing Date:** 2025-10
**Character Count:** 14643
**Document Hash:** 94a4419245242e8166cce7266e3db72a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-004324.hdr.sgml**: 20251017

**ACCESSION NUMBER**: 0001172661-25-004324

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251017

**DATE AS OF CHANGE**: 20251017

**EFFECTIVENESS DATE**: 20251017

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WorthPointe, LLC
- **CENTRAL INDEX KEY:** 0001921448

**ORGANIZATION NAME:**
- **EIN:** 260373212
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22402
- **FILM NUMBER:** 251400406

**BUSINESS ADDRESS:**
- **STREET 1:** 888 PROSPECT STREET
- **STREET 2:** SUITE 200
- **CITY:** LA JOLLA
- **STATE:** CA
- **ZIP:** 92037
- **BUSINESS PHONE:** 800-620-4232

**MAIL ADDRESS:**
- **STREET 1:** 888 PROSPECT STREET
- **STREET 2:** SUITE 200
- **CITY:** LA JOLLA
- **STATE:** CA
- **ZIP:** 92037

### 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:** WorthPointe LLC<br>**Address:** 888 Prospect Street<br>Suite 200<br>La Jolla, CA 92037

**Form 13F File Number:** 028-22402

**CRD Number (if applicable):** 000143996

**SEC File Number (if applicable):** 801-67916

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:** Emily Zerbato<br>**Title:** CCO<br>**Phone:** 332-262-4681

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

/s/ Emily Zerbato  San Diego, CA  10-17-2025<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:** 105

**Form 13F Information Table Value Total:** $266771526

      (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 |
| AFLAC INC | COM | 001055102 |  | 205319 | 1838 | SH |  | SOLE |  | 0 | 0 | 1838 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 508532 | 2088 | SH |  | SOLE |  | 0 | 0 | 2088 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 451923 | 1859 | SH |  | SOLE |  | 0 | 0 | 1859 |
| AMAZON COM INC | COM | 023135106 |  | 728533 | 3318 | SH |  | SOLE |  | 0 | 0 | 3318 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 1489690 | 16732 | SH |  | SOLE |  | 0 | 0 | 16732 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 28638599 | 263465 | SH |  | SOLE |  | 0 | 0 | 263465 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 10422650 | 234322 | SH |  | SOLE |  | 0 | 0 | 234322 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 4351404 | 57934 | SH |  | SOLE |  | 0 | 0 | 57934 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 5498610 | 55246 | SH |  | SOLE |  | 0 | 0 | 55246 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 11959720 | 151581 | SH |  | SOLE |  | 0 | 0 | 151581 |
| APPLE INC | COM | 037833100 |  | 2901254 | 11394 | SH |  | SOLE |  | 0 | 0 | 11394 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 367000 | 730 | SH |  | SOLE |  | 0 | 0 | 730 |
| BITWISE BITCOIN ETF TR | SHS BEN INT | 09174C104 |  | 414883 | 6668 | SH |  | SOLE |  | 0 | 0 | 6668 |
| BROADCOM INC | COM | 11135F101 |  | 265907 | 806 | SH |  | SOLE |  | 0 | 0 | 806 |
| CHEVRON CORP NEW | COM | 166764100 |  | 819501 | 5277 | SH |  | SOLE |  | 0 | 0 | 5277 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 373355 | 13671 | SH |  | SOLE |  | 0 | 0 | 13671 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 202258 | 5564 | SH |  | SOLE |  | 0 | 0 | 5564 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 1036906 | 14314 | SH |  | SOLE |  | 0 | 0 | 14314 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 1841736 | 25601 | SH |  | SOLE |  | 0 | 0 | 25601 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 504237 | 21142 | SH |  | SOLE |  | 0 | 0 | 21142 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 281032 | 9246 | SH |  | SOLE |  | 0 | 0 | 9246 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 23902938 | 534861 | SH |  | SOLE |  | 0 | 0 | 534861 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 2486122 | 51590 | SH |  | SOLE |  | 0 | 0 | 51590 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 3207419 | 97817 | SH |  | SOLE |  | 0 | 0 | 97817 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 725411 | 22783 | SH |  | SOLE |  | 0 | 0 | 22783 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 1147264 | 30375 | SH |  | SOLE |  | 0 | 0 | 30375 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 644831 | 20107 | SH |  | SOLE |  | 0 | 0 | 20107 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 2847982 | 48926 | SH |  | SOLE |  | 0 | 0 | 48926 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 67269783 | 1744096 | SH |  | SOLE |  | 0 | 0 | 1744096 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 9978330 | 145754 | SH |  | SOLE |  | 0 | 0 | 145754 |
| ETF SER SOLUTIONS | MCELHENNY SHEFLD | 26922B774 |  | 1339416 | 39597 | SH |  | SOLE |  | 0 | 0 | 39597 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 3202741 | 28406 | SH |  | SOLE |  | 0 | 0 | 28406 |
| GE AEROSPACE | COM NEW | 369604301 |  | 214562 | 713 | SH |  | SOLE |  | 0 | 0 | 713 |
| GRAYSCALE BITCOIN MINI TR ET | SHS NEW | 389930207 |  | 361043 | 7131 | SH |  | SOLE |  | 0 | 0 | 7131 |
| GRAYSCALE BITCOIN TRUST ETF | SHS REP COM UT | 389637109 |  | 334124 | 3722 | SH |  | SOLE |  | 0 | 0 | 3722 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 225710 | 530 | SH |  | SOLE |  | 0 | 0 | 530 |
| HOME DEPOT INC | COM | 437076102 |  | 289711 | 715 | SH |  | SOLE |  | 0 | 0 | 715 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C417 |  | 1739017 | 43815 | SH |  | SOLE |  | 0 | 0 | 43815 |
| INNOVATOR ETFS TRUST | US EQT ACLRTD 9 | 45783Y889 |  | 252347 | 6739 | SH |  | SOLE |  | 0 | 0 | 6739 |
| INNOVATOR ETFS TRUST | US EQT PWR BUF | 45782C870 |  | 1767706 | 46082 | SH |  | SOLE |  | 0 | 0 | 46082 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C383 |  | 1345929 | 30652 | SH |  | SOLE |  | 0 | 0 | 30652 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45784N106 |  | 433943 | 16381 | SH |  | SOLE |  | 0 | 0 | 16381 |
| INNOVATOR ETFS TRUST | US SML CP PWR B | 45782C284 |  | 793040 | 25615 | SH |  | SOLE |  | 0 | 0 | 25615 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C540 |  | 206486 | 4914 | SH |  | SOLE |  | 0 | 0 | 4914 |
| INNOVATOR ETFS TRUST | EMRGNG MKT JULY | 45782C714 |  | 439181 | 15176 | SH |  | SOLE |  | 0 | 0 | 15176 |
| INNOVATOR ETFS TRUST | US EQTY ULTRA B | 45782C649 |  | 379623 | 9817 | SH |  | SOLE |  | 0 | 0 | 9817 |
| INNOVATOR ETFS TRUST | INTRNL DEV APRL | 45782C367 |  | 273717 | 9103 | SH |  | SOLE |  | 0 | 0 | 9103 |
| INNOVATOR ETFS TRUST | INTERNATIONAL DV | 45782C631 |  | 255147 | 7467 | SH |  | SOLE |  | 0 | 0 | 7467 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C748 |  | 670251 | 16288 | SH |  | SOLE |  | 0 | 0 | 16288 |
| INNOVATOR ETFS TRUST | US EQTY ULTRA B | 45782C532 |  | 287076 | 7482 | SH |  | SOLE |  | 0 | 0 | 7482 |
| INNOVATOR ETFS TRUST | INTRNL DEV JAN | 45782C524 |  | 690050 | 19609 | SH |  | SOLE |  | 0 | 0 | 19609 |
| INNOVATOR ETFS TRUST | US SML CP PWR ET | 45782C342 |  | 313888 | 9178 | SH |  | SOLE |  | 0 | 0 | 9178 |
| INNOVATOR ETFS TRUST | US EQUITY ACCELE | 45783Y301 |  | 1000325 | 26420 | SH |  | SOLE |  | 0 | 0 | 26420 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C656 |  | 282912 | 6587 | SH |  | SOLE |  | 0 | 0 | 6587 |
| INNOVATOR ETFS TRUST | EMRGNG MKT JAN | 45782C516 |  | 242204 | 7294 | SH |  | SOLE |  | 0 | 0 | 7294 |
| INNOVATOR ETFS TRUST | US EQTY ULTRA BU | 45782C565 |  | 364658 | 9732 | SH |  | SOLE |  | 0 | 0 | 9732 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45783Y244 |  | 237795 | 8300 | SH |  | SOLE |  | 0 | 0 | 8300 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C508 |  | 2386987 | 52123 | SH |  | SOLE |  | 0 | 0 | 52123 |
| INNOVATOR ETFS TRUST | US SML CP PWR B | 45782C474 |  | 691709 | 17141 | SH |  | SOLE |  | 0 | 0 | 17141 |
| INNOVATOR ETFS TRUST | INTRNL DEV JULY | 45782C722 |  | 1445628 | 44228 | SH |  | SOLE |  | 0 | 0 | 44228 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C318 |  | 465223 | 11961 | SH |  | SOLE |  | 0 | 0 | 11961 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C300 |  | 219498 | 5211 | SH |  | SOLE |  | 0 | 0 | 5211 |
| INNOVATOR ETFS TRUST | DEFINED WLT SHLD | 45783Y855 |  | 251434 | 7661 | SH |  | SOLE |  | 0 | 0 | 7661 |
| INNOVATOR ETFS TRUST | EQUITY DEFINED P | 45784N882 |  | 234161 | 9034 | SH |  | SOLE |  | 0 | 0 | 9034 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C573 |  | 401279 | 9773 | SH |  | SOLE |  | 0 | 0 | 9773 |
| INNOVATOR ETFS TRUST | US EQTY ULTRA B | 45782C821 |  | 618709 | 16100 | SH |  | SOLE |  | 0 | 0 | 16100 |
| INNOVATOR ETFS TRUST | QUITY MANAGD FLR | 45783Y673 |  | 896066 | 24870 | SH |  | SOLE |  | 0 | 0 | 24870 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C813 |  | 2491949 | 54648 | SH |  | SOLE |  | 0 | 0 | 54648 |
| INNOVATOR ETFS TRUST | EQUITY DEF PROTN | 45784N775 |  | 250798 | 10048 | SH |  | SOLE |  | 0 | 0 | 10048 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C797 |  | 1707838 | 39625 | SH |  | SOLE |  | 0 | 0 | 39625 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 3126146 | 5207 | SH |  | SOLE |  | 0 | 0 | 5207 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 503658 | 3458 | SH |  | SOLE |  | 0 | 0 | 3458 |
| ISHARES TR | GOV/CRED BD ETF | 464288596 |  | 1136575 | 10788 | SH |  | SOLE |  | 0 | 0 | 10788 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 652713 | 12777 | SH |  | SOLE |  | 0 | 0 | 12777 |
| ISHARES TR | CORE S ETF | 464287200 |  | 486581 | 727 | SH |  | SOLE |  | 0 | 0 | 727 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 207842 | 2226 | SH |  | SOLE |  | 0 | 0 | 2226 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2521973 | 38645 | SH |  | SOLE |  | 0 | 0 | 38645 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 1319803 | 6307 | SH |  | SOLE |  | 0 | 0 | 6307 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1325212 | 13160 | SH |  | SOLE |  | 0 | 0 | 13160 |
| ISHARES TR | INTERNATIONAL SL | 46434V266 |  | 390359 | 9492 | SH |  | SOLE |  | 0 | 0 | 9492 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 319531 | 1013 | SH |  | SOLE |  | 0 | 0 | 1013 |
| META PLATFORMS INC | CL A | 30303M102 |  | 515535 | 702 | SH |  | SOLE |  | 0 | 0 | 702 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 221866 | 1326 | SH |  | SOLE |  | 0 | 0 | 1326 |
| MICROSOFT CORP | COM | 594918104 |  | 1315002 | 2539 | SH |  | SOLE |  | 0 | 0 | 2539 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1131242 | 6063 | SH |  | SOLE |  | 0 | 0 | 6063 |
| ORACLE CORP | COM | 68389X105 |  | 473327 | 1683 | SH |  | SOLE |  | 0 | 0 | 1683 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 217322 | 2276 | SH |  | SOLE |  | 0 | 0 | 2276 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 1161308 | 46212 | SH |  | SOLE |  | 0 | 0 | 46212 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 225749 | 9252 | SH |  | SOLE |  | 0 | 0 | 9252 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 432642 | 12965 | SH |  | SOLE |  | 0 | 0 | 12965 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 910111 | 5901 | SH |  | SOLE |  | 0 | 0 | 5901 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 965652 | 3426 | SH |  | SOLE |  | 0 | 0 | 3426 |
| SELECT SECTOR SPDR TR | RL EST SEL SEC | 81369Y860 |  | 274603 | 6518 | SH |  | SOLE |  | 0 | 0 | 6518 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 2114691 | 5949 | SH |  | SOLE |  | 0 | 0 | 5949 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 5367217 | 8057 | SH |  | SOLE |  | 0 | 0 | 8057 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 615103 | 1032 | SH |  | SOLE |  | 0 | 0 | 1032 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 879983 | 15387 | SH |  | SOLE |  | 0 | 0 | 15387 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 2989936 | 101976 | SH |  | SOLE |  | 0 | 0 | 101976 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 608294 | 2178 | SH |  | SOLE |  | 0 | 0 | 2178 |
| TESLA INC | COM | 88160R101 |  | 336653 | 757 | SH |  | SOLE |  | 0 | 0 | 757 |
| TIDAL TRUST I | ZEGA BUY AND HED | 886364660 |  | 458440 | 20171 | SH |  | SOLE |  | 0 | 0 | 20171 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 244807 | 3062 | SH |  | SOLE |  | 0 | 0 | 3062 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 17033350 | 27815 | SH |  | SOLE |  | 0 | 0 | 27815 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 368549 | 5017 | SH |  | SOLE |  | 0 | 0 | 5017 |
| WALMART INC | COM | 931142103 |  | 442741 | 4296 | SH |  | SOLE |  | 0 | 0 | 4296 |

---