# EDGAR Filing Document

**Accession Number:** 0002066105
**File Stem:** 0002085853-26-000099
**Filing Date:** 2026-1
**Character Count:** 7703
**Document Hash:** b3a96f4c22c7a86e363f726da9a96ff7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002085853-26-000099.hdr.sgml**: 20260127

**ACCESSION NUMBER**: 0002085853-26-000099

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260127

**DATE AS OF CHANGE**: 20260127

**EFFECTIVENESS DATE**: 20260127

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Fortitude Financial, LLC
- **CENTRAL INDEX KEY:** 0002066105

**ORGANIZATION NAME:**
- **EIN:** 862514508
- **STATE OF INCORPORATION:** WA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25626
- **FILM NUMBER:** 26562163

**BUSINESS ADDRESS:**
- **STREET 1:** 123 E 2ND AVE
- **STREET 2:** SUITE A
- **CITY:** SPOKANE
- **STATE:** WA
- **ZIP:** 99202
- **BUSINESS PHONE:** (509) 931-1199

**MAIL ADDRESS:**
- **STREET 1:** 123 E 2ND AVE
- **STREET 2:** SUITE A
- **CITY:** SPOKANE
- **STATE:** WA
- **ZIP:** 99202

### 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:** Fortitude Financial LLC<br>**Address:** 123 E 2nd Ave<br>Suite A<br>Spokane, WA 99202

**Form 13F File Number:** 028-25626

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:** Joni Gall<br>**Title:** Chief Compliance Officer<br>**Phone:** 509-290-1588

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

/s/ Joni Gall  Spokane, WA  01-27-2026<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:** 39

**Form 13F Information Table Value Total:** $117845196

      (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 |
| AGNC INVT CORP | COM | 00123Q104 |  | 1688904 | 157547 | SH |  | SOLE |  | 157547 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 324533 | 1406 | SH |  | SOLE |  | 1406 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 392838 | 1445 | SH |  | SOLE |  | 1445 | 0 | 0 |
| BITWISE 10 CRYPTO INDEX ETF | UNIT BENEFICIAL | 091749101 |  | 210420 | 3581 | SH |  | SOLE |  | 3581 | 0 | 0 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 14142521 | 232569 | SH |  | SOLE |  | 232569 | 0 | 0 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 4454593 | 116126 | SH |  | SOLE |  | 116126 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 236281 | 274 | SH |  | SOLE |  | 274 | 0 | 0 |
| DBX ETF TR | XTRACK MSCI EAFE | 233051200 |  | 306701 | 6375 | SH |  | SOLE |  | 6375 | 0 | 0 |
| FIDELITY COVINGTON TRUST | SML MID MLTFCT | 316092527 |  | 4190144 | 94950 | SH |  | SOLE |  | 94950 | 0 | 0 |
| FIDELITY COVINGTON TRUST | HIGH DIVID ETF | 316092840 |  | 2488237 | 43892 | SH |  | SOLE |  | 43892 | 0 | 0 |
| FRANKLIN TEMPLETON ETF TR | INTL COR DIV TIL | 35473P108 |  | 1126254 | 28960 | SH |  | SOLE |  | 28960 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 2005909 | 7931 | SH |  | SOLE |  | 7931 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S MIDCAP 400 | 46137V225 |  | 1899518 | 15828 | SH |  | SOLE |  | 15828 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 2399495 | 3906 | SH |  | SOLE |  | 3906 | 0 | 0 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 630803 | 12705 | SH |  | SOLE |  | 12705 | 0 | 0 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 224182 | 3480 | SH |  | SOLE |  | 3480 | 0 | 0 |
| ISHARES TR | MRGSTR MD CP ETF | 464288208 |  | 14450118 | 174666 | SH |  | SOLE |  | 174666 | 0 | 0 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 360389 | 6272 | SH |  | SOLE |  | 6272 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 865239 | 15815 | SH |  | SOLE |  | 15815 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 986357 | 2084 | SH |  | SOLE |  | 2084 | 0 | 0 |
| ISHARES TR | MSCI EAFE SMCP | 46435G839 |  | 870456 | 22371 | SH |  | SOLE |  | 22371 | 0 | 0 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 215689 | 4099 | SH |  | SOLE |  | 4099 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE BOND ETF | 46654Q716 |  | 395901 | 7322 | SH |  | SOLE |  | 7322 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | INTL BD OPP ETF | 46641Q852 |  | 629155 | 12919 | SH |  | SOLE |  | 12919 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | SMALL  MID CAP | 46641Q118 |  | 2622584 | 40736 | SH |  | SOLE |  | 40736 | 0 | 0 |
| LEGG MASON ETF INVT | FRANKLIN INTL LW | 52468L505 |  | 202657 | 5504 | SH |  | SOLE |  | 5504 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 761702 | 1575 | SH |  | SOLE |  | 1575 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 597546 | 3204 | SH |  | SOLE |  | 3204 | 0 | 0 |
| PIMCO ETF TR | INV GRD CRP BD | 72201R817 |  | 256269 | 2619 | SH |  | SOLE |  | 2619 | 0 | 0 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 1641167 | 31314 | SH |  | SOLE |  | 31314 | 0 | 0 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 2183378 | 23457 | SH |  | SOLE |  | 23457 | 0 | 0 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 395131 | 14810 | SH |  | SOLE |  | 14810 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 426439 | 2962 | SH |  | SOLE |  | 2962 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 1838469 | 39275 | SH |  | SOLE |  | 39275 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 8721014 | 196375 | SH |  | SOLE |  | 196375 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 686012 | 1006 | SH |  | SOLE |  | 1006 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 17917779 | 223358 | SH |  | SOLE |  | 223358 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 373014 | 6566 | SH |  | SOLE |  | 6566 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 23727398 | 222375 | SH |  | SOLE |  | 222375 | 0 | 0 |

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