# EDGAR Filing Document

**Accession Number:** 0001909993
**File Stem:** 0001909993-25-000007
**Filing Date:** 2025-10
**Character Count:** 8402
**Document Hash:** 8bae53c98bd666df48f980f6fa629172
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001909993-25-000007.hdr.sgml**: 20251008

**ACCESSION NUMBER**: 0001909993-25-000007

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251008

**DATE AS OF CHANGE**: 20251008

**EFFECTIVENESS DATE**: 20251008

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** DIXON FNANCIAL SERVICES, INC.
- **CENTRAL INDEX KEY:** 0001909993

**ORGANIZATION NAME:**
- **EIN:** 680223404
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21709
- **FILM NUMBER:** 251381579

**BUSINESS ADDRESS:**
- **STREET 1:** 875 LAS TRAMPAS ROAD
- **CITY:** LAFAYETTE
- **STATE:** CA
- **ZIP:** 94549
- **BUSINESS PHONE:** 925-283-3104

**MAIL ADDRESS:**
- **STREET 1:** 875 LAS TRAMPAS ROAD
- **CITY:** LAFAYETTE
- **STATE:** CA
- **ZIP:** 94549

### 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:** DIXON FNANCIAL SERVICES INC.<br>**Address:** 875 LAS TRAMPAS ROAD<br>LAFAYETTE, CA 94549

**Form 13F File Number:** 028-21709

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:** Cory DeGraaf<br>**Title:** Client Service<br>**Phone:** 9232833104

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

Cory DeGraaf  Lafayette, CA  10-08-2025<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:** 48

**Form 13F Information Table Value Total:** $219580110

      (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 |  | 1022965 | 4208 | SH |  | SOLE | 0 | 0 | 0 | 4208 |
| AMAZON COM INC | COM | 023135106 |  | 4222112 | 19229 | SH |  | SOLE | 0 | 0 | 0 | 19229 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 744164 | 9908 | SH |  | SOLE | 0 | 0 | 0 | 9908 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 1298079 | 17964 | SH |  | SOLE | 0 | 0 | 0 | 17964 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 |  | 1466146 | 21740 | SH |  | SOLE | 0 | 0 | 0 | 21740 |
| AMERICAN CENTY ETF TR | AVANTIS US SMALL | 025072323 |  | 1275874 | 22286 | SH |  | SOLE | 0 | 0 | 0 | 22286 |
| AMERICAN CENTY ETF TR | AVANTIS INTL SML | 025072190 |  | 982237 | 14540 | SH |  | SOLE | 0 | 0 | 0 | 14540 |
| AMERICAN CENTY ETF TR | AVANTIS  US LARG | 025072158 |  | 912994 | 11933 | SH |  | SOLE | 0 | 0 | 0 | 11933 |
| AMGEN INC | COM | 031162100 |  | 423300 | 1500 | SH |  | SOLE | 0 | 0 | 0 | 1500 |
| APPLE INC | COM | 037833100 |  | 6767091 | 26576 | SH |  | SOLE | 0 | 0 | 0 | 26576 |
| APPLIED MATLS INC | COM | 038222105 |  | 279061 | 1363 | SH |  | SOLE | 0 | 0 | 0 | 1363 |
| BANK AMERICA CORP | COM | 060505104 |  | 284158 | 5508 | SH |  | SOLE | 0 | 0 | 0 | 5508 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 3771000 | 5 | SH |  | SOLE | 0 | 0 | 0 | 5 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 311699 | 620 | SH |  | SOLE | 0 | 0 | 0 | 620 |
| BLUE OWL CAPITAL CORPORATION | COM | 69121K104 |  | 271363 | 21250 | SH |  | SOLE | 0 | 0 | 0 | 21250 |
| BROADCOM INC | COM | 11135F101 |  | 376097 | 1140 | SH |  | SOLE | 0 | 0 | 0 | 1140 |
| CHEVRON CORP NEW | COM | 166764100 |  | 934063 | 6015 | SH |  | SOLE | 0 | 0 | 0 | 6015 |
| CISCO SYS INC | COM | 17275R102 |  | 203823 | 2979 | SH |  | SOLE | 0 | 0 | 0 | 2979 |
| CVS HEALTH CORP | COM | 126650100 |  | 459050 | 6089 | SH |  | SOLE | 0 | 0 | 0 | 6089 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 457424 | 9996 | SH |  | SOLE | 0 | 0 | 0 | 9996 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 343251 | 9443 | SH |  | SOLE | 0 | 0 | 0 | 9443 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 31467719 | 434397 | SH |  | SOLE | 0 | 0 | 0 | 434397 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 336558 | 8726 | SH |  | SOLE | 0 | 0 | 0 | 8726 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 38574246 | 563457 | SH |  | SOLE | 0 | 0 | 0 | 563457 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 61057850 | 1323891 | SH |  | SOLE | 0 | 0 | 0 | 1323891 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 34183604 | 764905 | SH |  | SOLE | 0 | 0 | 0 | 764905 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 498622 | 10347 | SH |  | SOLE | 0 | 0 | 0 | 10347 |
| DISNEY WALT CO | COM | 254687106 |  | 301479 | 2633 | SH |  | SOLE | 0 | 0 | 0 | 2633 |
| GE AEROSPACE | COM NEW | 369604301 |  | 239754 | 797 | SH |  | SOLE | 0 | 0 | 0 | 797 |
| IDACORP INC | COM | 451107106 |  | 308967 | 2338 | SH |  | SOLE | 0 | 0 | 0 | 2338 |
| INTEL CORP | COM | 458140100 |  | 206299 | 6149 | SH |  | SOLE | 0 | 0 | 0 | 6149 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 550539 | 917 | SH |  | SOLE | 0 | 0 | 0 | 917 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 240760 | 3704 | SH |  | SOLE | 0 | 0 | 0 | 3704 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 3853959 | 18930 | SH |  | SOLE | 0 | 0 | 0 | 18930 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 7628525 | 16286 | SH |  | SOLE | 0 | 0 | 0 | 16286 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 398591 | 2805 | SH |  | SOLE | 0 | 0 | 0 | 2805 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 2469186 | 7828 | SH |  | SOLE | 0 | 0 | 0 | 7828 |
| MCKESSON CORP | COM | 58155Q103 |  | 404038 | 523 | SH |  | SOLE | 0 | 0 | 0 | 523 |
| META PLATFORMS INC | CL A | 30303M102 |  | 357863 | 487 | SH |  | SOLE | 0 | 0 | 0 | 487 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 215341 | 1287 | SH |  | SOLE | 0 | 0 | 0 | 1287 |
| MICROSOFT CORP | COM | 594918104 |  | 4267917 | 8240 | SH |  | SOLE | 0 | 0 | 0 | 8240 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 330451 | 1100 | SH |  | SOLE | 0 | 0 | 0 | 1100 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2285045 | 12247 | SH |  | SOLE | 0 | 0 | 0 | 12247 |
| ORACLE CORP | COM | 68389X105 |  | 443234 | 1576 | SH |  | SOLE | 0 | 0 | 0 | 1576 |
| PRIMERICA INC | COM | 74164M108 |  | 1348255 | 4857 | SH |  | SOLE | 0 | 0 | 0 | 4857 |
| SEMPRA | COM | 816851109 |  | 209833 | 2332 | SH |  | SOLE | 0 | 0 | 0 | 2332 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 345264 | 1600 | SH |  | SOLE | 0 | 0 | 0 | 1600 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 250260 | 2876 | SH |  | SOLE | 0 | 0 | 0 | 2876 |

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