# EDGAR Filing Document

**Accession Number:** 0002031123
**File Stem:** 0001951757-25-001282
**Filing Date:** 2025-11
**Character Count:** 14091
**Document Hash:** 7ec7e594aca625bfb15ee9e1382cad6a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001282.hdr.sgml**: 20251106

**ACCESSION NUMBER**: 0001951757-25-001282

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251106

**DATE AS OF CHANGE**: 20251106

**EFFECTIVENESS DATE**: 20251106

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Cannon Financial Strategists, Inc.
- **CENTRAL INDEX KEY:** 0002031123

**ORGANIZATION NAME:**
- **EIN:** 582608124
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24364
- **FILM NUMBER:** 251459098

**BUSINESS ADDRESS:**
- **STREET 1:** 649-8 SOUTH MILLEDGE AVE
- **CITY:** ATHENS
- **STATE:** GA
- **ZIP:** 30605
- **BUSINESS PHONE:** 706-548-3422

**MAIL ADDRESS:**
- **STREET 1:** 649-8 SOUTH MILLEDGE AVE
- **CITY:** ATHENS
- **STATE:** GA
- **ZIP:** 30605

### 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:** Cannon Financial Strategists Inc.<br>**Address:** 649-8 SOUTH MILLEDGE AVE<br>ATHENS, GA 30605

**Form 13F File Number:** 028-24364

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:** Kelly Dixon<br>**Title:** Chief Compliance Officer<br>**Phone:** 7065483422

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

Kelly Dixon  Athens, GA  11-06-2025<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:** 104

**Form 13F Information Table Value Total:** $698783175

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 584112 | 4361 | SH |  | SOLE |  | 4361 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 958807 | 4141 | SH |  | SOLE |  | 4141 | 0 | 0 |
| AERCAP HOLDINGS NV | SHS | N00985106 |  | 363000 | 3000 | SH |  | SOLE |  | 3000 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 379694 | 1559 | SH |  | SOLE |  | 1559 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 570589 | 2022 | SH |  | SOLE |  | 2022 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 1898371 | 7455 | SH |  | SOLE |  | 7455 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 243839 | 8635 | SH |  | SOLE |  | 8635 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 26279916 | 349886 | SH |  | SOLE |  | 349886 | 0 | 0 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 20926174 | 265224 | SH |  | SOLE |  | 265224 | 0 | 0 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 78391137 | 1084848 | SH |  | SOLE |  | 1084848 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2143683 | 4264 | SH |  | SOLE |  | 4264 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 |  | 252994 | 217 | SH |  | SOLE |  | 217 | 0 | 0 |
| CAPITAL GRP FIXED INCM ETF T | CORE BOND ETF | 14020Y508 |  | 13205289 | 496813 | SH |  | SOLE |  | 496813 | 0 | 0 |
| CAPITAL GRP FIXED INCM ETF T | SHORT DURATION | 14020Y409 |  | 756222 | 29108 | SH |  | SOLE |  | 29108 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 207326 | 1335 | SH |  | SOLE |  | 1335 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 3838827 | 57883 | SH |  | SOLE |  | 57883 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 239738 | 259 | SH |  | SOLE |  | 259 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 2091607 | 66337 | SH |  | SOLE |  | 66337 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 111843171 | 3410893 | SH |  | SOLE |  | 3410893 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 217991 | 5997 | SH |  | SOLE |  | 5997 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 359000 | 11350 | SH |  | SOLE |  | 11350 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 1527164 | 46418 | SH |  | SOLE |  | 46418 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 1585749 | 50534 | SH |  | SOLE |  | 50534 | 0 | 0 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 846450 | 6840 | SH |  | SOLE |  | 6840 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 265730 | 348 | SH |  | SOLE |  | 348 | 0 | 0 |
| EQUIFAX INC | COM | 294429105 |  | 235495 | 918 | SH |  | SOLE |  | 918 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 610541 | 5415 | SH |  | SOLE |  | 5415 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | SMITH OPPORT FXD | 33740F805 |  | 2859779 | 64380 | SH |  | SOLE |  | 64380 | 0 | 0 |
| GENERAL MLS INC | COM | 370334104 |  | 444621 | 8818 | SH |  | SOLE |  | 8818 | 0 | 0 |
| HEARTBEAM INC | COM | 42238H108 |  | 129919 | 78739 | SH |  | SOLE |  | 78739 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 282160 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 287206 | 1514 | SH |  | SOLE |  | 1514 | 0 | 0 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 4085927 | 83659 | SH |  | SOLE |  | 83659 | 0 | 0 |
| ISHARES TR | CR 5 10 YR ETF | 46435G417 |  | 1159277 | 26222 | SH |  | SOLE |  | 26222 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2367087 | 3537 | SH |  | SOLE |  | 3537 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 422897 | 2570 | SH |  | SOLE |  | 2570 | 0 | 0 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 11360186 | 193464 | SH |  | SOLE |  | 193464 | 0 | 0 |
| ISHARES TR | IBONDS DEC25 ETF | 46434VBD1 |  | 987611 | 39206 | SH |  | SOLE |  | 39206 | 0 | 0 |
| ISHARES TR | IBONDS 25 TRM TS | 46436E866 |  | 1470992 | 62944 | SH |  | SOLE |  | 62944 | 0 | 0 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 966986 | 39794 | SH |  | SOLE |  | 39794 | 0 | 0 |
| ISHARES TR | IBONDS 26 TRM TS | 46436E858 |  | 1424618 | 62075 | SH |  | SOLE |  | 62075 | 0 | 0 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 1395437 | 57331 | SH |  | SOLE |  | 57331 | 0 | 0 |
| ISHARES TR | IBONDS 27 TRM TS | 46436E841 |  | 1430537 | 63523 | SH |  | SOLE |  | 63523 | 0 | 0 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 16970345 | 178279 | SH |  | SOLE |  | 178279 | 0 | 0 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 2166902 | 19028 | SH |  | SOLE |  | 19028 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 253239 | 1302 | SH |  | SOLE |  | 1302 | 0 | 0 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 2420250 | 19354 | SH |  | SOLE |  | 19354 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2963807 | 27832 | SH |  | SOLE |  | 27832 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 2499305 | 5336 | SH |  | SOLE |  | 5336 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 206668 | 1015 | SH |  | SOLE |  | 1015 | 0 | 0 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 219598 | 1242 | SH |  | SOLE |  | 1242 | 0 | 0 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 273974 | 723 | SH |  | SOLE |  | 723 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 399144 | 3738 | SH |  | SOLE |  | 3738 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 1765763 | 15876 | SH |  | SOLE |  | 15876 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 8820728 | 173807 | SH |  | SOLE |  | 173807 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 498038 | 2686 | SH |  | SOLE |  | 2686 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 491755 | 1559 | SH |  | SOLE |  | 1559 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 238058 | 947 | SH |  | SOLE |  | 947 | 0 | 0 |
| MEDICAL PPTYS TRUST INC | COM | 58463J304 |  | 101400 | 20000 | SH |  | SOLE |  | 20000 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 307687 | 3666 | SH |  | SOLE |  | 3666 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1195273 | 2308 | SH |  | SOLE |  | 2308 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 231392 | 193 | SH |  | SOLE |  | 193 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 282669 | 1515 | SH |  | SOLE |  | 1515 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1158034 | 7537 | SH |  | SOLE |  | 7537 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 201139 | 2410 | SH |  | SOLE |  | 2410 | 0 | 0 |
| RHYTHM PHARMACEUTICALS INC | COM | 76243J105 |  | 1009900 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 443131 | 1268 | SH |  | SOLE |  | 1268 | 0 | 0 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 |  | 1351192 | 54156 | SH |  | SOLE |  | 54156 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 237845 | 10134 | SH |  | SOLE |  | 10134 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 289612 | 9076 | SH |  | SOLE |  | 9076 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 1247268 | 13161 | SH |  | SOLE |  | 13161 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG EMG MK | 78468R515 |  | 247567 | 9828 | SH |  | SOLE |  | 9828 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 259138 | 729 | SH |  | SOLE |  | 729 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 |  | 7055405 | 87482 | SH |  | SOLE |  | 87482 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 435936 | 10188 | SH |  | SOLE |  | 10188 | 0 | 0 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 86776274 | 830316 | SH |  | SOLE |  | 830316 | 0 | 0 |
| SPDR SERIES TRUST | PORTFLI TIPS ETF | 78464A656 |  | 26365653 | 1001735 | SH |  | SOLE |  | 1001735 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2129777 | 3197 | SH |  | SOLE |  | 3197 | 0 | 0 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 88130755 | 994143 | SH |  | SOLE |  | 994143 | 0 | 0 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD AN | 85208R101 |  | 403590 | 11000 | SH |  | SOLE |  | 11000 | 0 | 0 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 |  | 427032 | 14417 | SH |  | SOLE |  | 14417 | 0 | 0 |
| SUPERIOR GROUP OF CO INC | COM | 868358102 |  | 128554 | 11992 | SH |  | SOLE |  | 11992 | 0 | 0 |
| TEXAS INSTRS INC | COM | 882508104 |  | 251491 | 1369 | SH |  | SOLE |  | 1369 | 0 | 0 |
| HERSHEY CO | COM | 427866108 |  | 329208 | 1760 | SH |  | SOLE |  | 1760 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 1646575 | 4064 | SH |  | SOLE |  | 4064 | 0 | 0 |
| TRUSTMARK CORP | COM | 898402102 |  | 203504 | 5139 | SH |  | SOLE |  | 5139 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 208658 | 2498 | SH |  | SOLE |  | 2498 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 545176 | 2526 | SH |  | SOLE |  | 2526 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 281626 | 3946 | SH |  | SOLE |  | 3946 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1266195 | 21131 | SH |  | SOLE |  | 21131 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 956623 | 17656 | SH |  | SOLE |  | 17656 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 31122147 | 64891 | SH |  | SOLE |  | 64891 | 0 | 0 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 44930115 | 575363 | SH |  | SOLE |  | 575363 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 715543 | 7827 | SH |  | SOLE |  | 7827 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2404724 | 3927 | SH |  | SOLE |  | 3927 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | SMLCP 600 VAL | 921932778 |  | 14526223 | 152554 | SH |  | SOLE |  | 152554 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 314445 | 3934 | SH |  | SOLE |  | 3934 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 232441 | 781 | SH |  | SOLE |  | 781 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 7184779 | 34425 | SH |  | SOLE |  | 34425 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 2613954 | 52206 | SH |  | SOLE |  | 52206 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1589415 | 21636 | SH |  | SOLE |  | 21636 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 23151527 | 70547 | SH |  | SOLE |  | 70547 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1088928 | 5839 | SH |  | SOLE |  | 5839 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 718225 | 6969 | SH |  | SOLE |  | 6969 | 0 | 0 |

---