# EDGAR Filing Document

**Accession Number:** 0001971427
**File Stem:** 0001951757-26-000849
**Filing Date:** 2026-5
**Character Count:** 15561
**Document Hash:** ede59e2e5dcd7f0db7ddd091fd5dcf68
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000849.hdr.sgml**: 20260513

**ACCESSION NUMBER**: 0001951757-26-000849

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260513

**DATE AS OF CHANGE**: 20260513

**EFFECTIVENESS DATE**: 20260513

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PETRA FINANCIAL ADVISORS INC
- **CENTRAL INDEX KEY:** 0001971427

**ORGANIZATION NAME:**
- **EIN:** 954326389
- **STATE OF INCORPORATION:** CO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23175
- **FILM NUMBER:** 26972581

**BUSINESS ADDRESS:**
- **STREET 1:** 2 N. NEVADA AVE
- **STREET 2:** SUITE 1300
- **CITY:** COLORADO SRPINGS
- **STATE:** CO
- **ZIP:** 80903
- **BUSINESS PHONE:** 719-636-9000

**MAIL ADDRESS:**
- **STREET 1:** 2 N. NEVADA AVE
- **STREET 2:** SUITE 1300
- **CITY:** COLORADO SRPINGS
- **STATE:** CO
- **ZIP:** 80903

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** PETRA FINANCIAL ADVISORS INC<br>**Address:** 2 N. NEVADA AVE<br>SUITE 1300<br>COLORADO SRPINGS, CO 80903

**Form 13F File Number:** 028-23175

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:** Crystal Karstens<br>**Title:** Chief Compliance Officer<br>**Phone:** (719) 636-9000

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

Crystal Karstens  Colorado Springs, CO  05-13-2026<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:** 117

**Form 13F Information Table Value Total:** $161604705

      (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 |
| ABRDN ETFS | BBRG ALL COMMDY | 003261203 |  | 445398 | 12448 | SH |  | SOLE |  | 0 | 0 | 12448 |
| ALAMOS GOLD INC | COM CL A | 011532108 |  | 1028670 | 23153 | SH |  | SOLE |  | 0 | 0 | 23153 |
| ALLIANCEBERNSTEIN NATL MUN I | COM | 01864U106 |  | 570312 | 53350 | SH |  | SOLE |  | 0 | 0 | 53350 |
| APPLE INC | COM | 037833100 |  | 329936 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| ARGAN INC | COM | 04010E109 |  | 1138542 | 2090 | SH |  | SOLE |  | 0 | 0 | 2090 |
| ASTRONICS CORP | COM | 046433108 |  | 688068 | 10311 | SH |  | SOLE |  | 0 | 0 | 10311 |
| BWX TECHNOLOGIES INC | COM | 05605H100 |  | 839459 | 4105 | SH |  | SOLE |  | 0 | 0 | 4105 |
| BAYTEX ENERGY CORP | COM | 07317Q105 |  | 67457 | 15091 | SH |  | SOLE |  | 0 | 0 | 15091 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1558358 | 3252 | SH |  | SOLE |  | 0 | 0 | 3252 |
| BLACKROCK TAX MUNICPAL BD TR | SHS | 09248X100 |  | 1154379 | 71390 | SH |  | SOLE |  | 0 | 0 | 71390 |
| BLACKROCK MUNIHOLDINGS FD IN | COM | 09253N104 |  | 476580 | 42250 | SH |  | SOLE |  | 0 | 0 | 42250 |
| BLACKROCK MUN TARGET TERM TR | COM SHS BEN IN | 09257P105 |  | 1293333 | 56975 | SH |  | SOLE |  | 0 | 0 | 56975 |
| BROADCOM INC | COM | 11135F101 |  | 1219960 | 3942 | SH |  | SOLE |  | 0 | 0 | 3942 |
| CNX RES CORP | COM | 12653C108 |  | 2135400 | 55393 | SH |  | SOLE |  | 0 | 0 | 55393 |
| CVS HEALTH CORP | COM | 126650100 |  | 270402 | 3765 | SH |  | SOLE |  | 0 | 0 | 3765 |
| COTERRA ENERGY INC | COM | 127097103 |  | 206476 | 5876 | SH |  | SOLE |  | 0 | 0 | 5876 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 737172 | 3489 | SH |  | SOLE |  | 0 | 0 | 3489 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 336522 | 8246 | SH |  | SOLE |  | 0 | 0 | 8246 |
| COMFORT SYS USA INC | COM | 199908104 |  | 1489059 | 1080 | SH |  | SOLE |  | 0 | 0 | 1080 |
| CORNING INC | COM | 219350105 |  | 1530412 | 11256 | SH |  | SOLE |  | 0 | 0 | 11256 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 1221990 | 1226 | SH |  | SOLE |  | 0 | 0 | 1226 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 625955 | 4780 | SH |  | SOLE |  | 0 | 0 | 4780 |
| EATON VANCE MUN BD FD | COM | 27827X101 |  | 166090 | 17000 | SH |  | SOLE |  | 0 | 0 | 17000 |
| FARMLAND PARTNERS INC | COM | 31154R109 |  | 526924 | 46921 | SH |  | SOLE |  | 0 | 0 | 46921 |
| FIDELITY COVINGTON TRUST | ENHANCED SMALL | 31609A206 |  | 1673941 | 44051 | SH |  | SOLE |  | 0 | 0 | 44051 |
| FIRST TR EXCHANGE-TRADED FD | HLTH CARE ALPH | 33734X143 |  | 218442 | 1990 | SH |  | SOLE |  | 0 | 0 | 1990 |
| FIVE BELOW INC | COM | 33829M101 |  | 620323 | 2715 | SH |  | SOLE |  | 0 | 0 | 2715 |
| FREEPORT MCMORAN INC | CL B | 35671D857 |  | 510263 | 8681 | SH |  | SOLE |  | 0 | 0 | 8681 |
| GE VERNOVA INC | COM | 36828A101 |  | 1615977 | 1851 | SH |  | SOLE |  | 0 | 0 | 1851 |
| GE AEROSPACE | COM NEW | 369604301 |  | 1691907 | 5962 | SH |  | SOLE |  | 0 | 0 | 5962 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 460999 | 9073 | SH |  | SOLE |  | 0 | 0 | 9073 |
| GLOBAL X FDS | LITHIUM BTRY ETF | 37954Y855 |  | 730266 | 9822 | SH |  | SOLE |  | 0 | 0 | 9822 |
| AMERICAN HEALTHCARE REIT INC | COM SHS | 398182303 |  | 1194569 | 25330 | SH |  | SOLE |  | 0 | 0 | 25330 |
| GUGGENHEIM STRATEGIC OPPORTU | COM SBI | 40167F101 |  | 5172554 | 469379 | SH |  | SOLE |  | 0 | 0 | 469379 |
| HANCOCK JOHN INCOME SECS TR | COM | 410123103 |  | 280688 | 25657 | SH |  | SOLE |  | 0 | 0 | 25657 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 662795 | 2876 | SH |  | SOLE |  | 0 | 0 | 2876 |
| HUNTINGTON INGALLS INDS INC | COM | 446413106 |  | 718289 | 1891 | SH |  | SOLE |  | 0 | 0 | 1891 |
| IES HOLDINGS INC | COM | 44951W106 |  | 878134 | 1843 | SH |  | SOLE |  | 0 | 0 | 1843 |
| INTERACTIVE BROKERS GROUP IN | COM CL A | 45841N107 |  | 694358 | 10353 | SH |  | SOLE |  | 0 | 0 | 10353 |
| INVESCO MUN OPPORTUNIT TR | COM | 46132C107 |  | 550770 | 57915 | SH |  | SOLE |  | 0 | 0 | 57915 |
| INVESCO BD FD | COM | 46132L107 |  | 259650 | 17310 | SH |  | SOLE |  | 0 | 0 | 17310 |
| INVESCO QUALITY MUN INCOME T | COM | 46133G107 |  | 96200 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| INVESCO EXCH TRADED FD TR II | S MIDCP LOW | 46138E198 |  | 392745 | 6237 | SH |  | SOLE |  | 0 | 0 | 6237 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 2051334 | 18298 | SH |  | SOLE |  | 0 | 0 | 18298 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 6080944 | 83141 | SH |  | SOLE |  | 0 | 0 | 83141 |
| INVESCO EXCH TRADED FD TR II | DORSEY WRGT DVLP | 46138E875 |  | 681228 | 13757 | SH |  | SOLE |  | 0 | 0 | 13757 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2182716 | 24759 | SH |  | SOLE |  | 0 | 0 | 24759 |
| ISHARES INC | MSCI EURZONE ETF | 464286608 |  | 4615324 | 73680 | SH |  | SOLE |  | 0 | 0 | 73680 |
| ISHARES TR | CORE S ETF | 464287200 |  | 316154 | 484 | SH |  | SOLE |  | 0 | 0 | 484 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 382640 | 3383 | SH |  | SOLE |  | 0 | 0 | 3383 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 474108 | 5469 | SH |  | SOLE |  | 0 | 0 | 5469 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 9237575 | 72101 | SH |  | SOLE |  | 0 | 0 | 72101 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 493139 | 4901 | SH |  | SOLE |  | 0 | 0 | 4901 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 284875 | 2150 | SH |  | SOLE |  | 0 | 0 | 2150 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 426001 | 3427 | SH |  | SOLE |  | 0 | 0 | 3427 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 480505 | 4512 | SH |  | SOLE |  | 0 | 0 | 4512 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1220215 | 11495 | SH |  | SOLE |  | 0 | 0 | 11495 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 327364 | 2760 | SH |  | SOLE |  | 0 | 0 | 2760 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 321076 | 4712 | SH |  | SOLE |  | 0 | 0 | 4712 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 476099 | 20781 | SH |  | SOLE |  | 0 | 0 | 20781 |
| ISHARES TR | A RATE CP BD ETF | 46429B291 |  | 2812539 | 59099 | SH |  | SOLE |  | 0 | 0 | 59099 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 1271179 | 8940 | SH |  | SOLE |  | 0 | 0 | 8940 |
| ISHARES TR | CYBERSECURITY | 46435U135 |  | 1138030 | 26072 | SH |  | SOLE |  | 0 | 0 | 26072 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 925909 | 9198 | SH |  | SOLE |  | 0 | 0 | 9198 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 12081743 | 197028 | SH |  | SOLE |  | 0 | 0 | 197028 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 389987 | 11631 | SH |  | SOLE |  | 0 | 0 | 11631 |
| KRATOS DEFENSE  SEC SOLUTIO | COM NEW | 50077B207 |  | 1244563 | 17651 | SH |  | SOLE |  | 0 | 0 | 17651 |
| MARATHON PETE CORP | COM | 56585A102 |  | 715171 | 2929 | SH |  | SOLE |  | 0 | 0 | 2929 |
| MCKESSON CORP | COM | 58155Q103 |  | 1284795 | 1485 | SH |  | SOLE |  | 0 | 0 | 1485 |
| MICROSOFT CORP | COM | 594918104 |  | 1168997 | 3158 | SH |  | SOLE |  | 0 | 0 | 3158 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 326749 | 967 | SH |  | SOLE |  | 0 | 0 | 967 |
| NEWMONT CORP | COM | 651639106 |  | 722426 | 6674 | SH |  | SOLE |  | 0 | 0 | 6674 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2663892 | 15275 | SH |  | SOLE |  | 0 | 0 | 15275 |
| NUVEEN MUN CR INCOME FD | COM SH BEN INT | 67070X101 |  | 1440986 | 118308 | SH |  | SOLE |  | 0 | 0 | 118308 |
| NUVEEN CORE PLUS IMPACT FUND | COM BEN INT | 67080D103 |  | 102410 | 10050 | SH |  | SOLE |  | 0 | 0 | 10050 |
| PEPSICO INC | COM | 713448108 |  | 308604 | 1987 | SH |  | SOLE |  | 0 | 0 | 1987 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 934734 | 17910 | SH |  | SOLE |  | 0 | 0 | 17910 |
| RBB FD INC | F/M US TREASURY | 74933W452 |  | 1791880 | 35938 | SH |  | SOLE |  | 0 | 0 | 35938 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 286150 | 440 | SH |  | SOLE |  | 0 | 0 | 440 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 10475194 | 24344 | SH |  | SOLE |  | 0 | 0 | 24344 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A664 |  | 1791423 | 68115 | SH |  | SOLE |  | 0 | 0 | 68115 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 1826449 | 19931 | SH |  | SOLE |  | 0 | 0 | 19931 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 929063 | 31894 | SH |  | SOLE |  | 0 | 0 | 31894 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 5872308 | 192535 | SH |  | SOLE |  | 0 | 0 | 192535 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1653423 | 53893 | SH |  | SOLE |  | 0 | 0 | 53893 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 205934 | 2512 | SH |  | SOLE |  | 0 | 0 | 2512 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 204666 | 1540 | SH |  | SOLE |  | 0 | 0 | 1540 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 467160 | 10180 | SH |  | SOLE |  | 0 | 0 | 10180 |
| SEMPRA | COM | 816851109 |  | 586129 | 6032 | SH |  | SOLE |  | 0 | 0 | 6032 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 529767 | 4466 | SH |  | SOLE |  | 0 | 0 | 4466 |
| SIBANYE STILLWATER LTD | SPONSORED ADR | 82575P107 |  | 691706 | 56145 | SH |  | SOLE |  | 0 | 0 | 56145 |
| SPROTT FDS TR | URANIUM MINERS E | 85208P303 |  | 2271272 | 35966 | SH |  | SOLE |  | 0 | 0 | 35966 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD AN | 85208R101 |  | 1420504 | 29767 | SH |  | SOLE |  | 0 | 0 | 29767 |
| STARBUCKS CORP | COM | 855244109 |  | 281044 | 3137 | SH |  | SOLE |  | 0 | 0 | 3137 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 |  | 1184036 | 3504 | SH |  | SOLE |  | 0 | 0 | 3504 |
| TESLA INC | COM | 88160R101 |  | 298144 | 802 | SH |  | SOLE |  | 0 | 0 | 802 |
| TRIPLE FLAG PRECIOUS METAL | COM | 89679M104 |  | 207293 | 5972 | SH |  | SOLE |  | 0 | 0 | 5972 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 1608235 | 6509 | SH |  | SOLE |  | 0 | 0 | 6509 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 6237263 | 138452 | SH |  | SOLE |  | 0 | 0 | 138452 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 1050658 | 11449 | SH |  | SOLE |  | 0 | 0 | 11449 |
| VANECK ETF TRUST | INTRMDT MUNI ETF | 92189H201 |  | 695866 | 14987 | SH |  | SOLE |  | 0 | 0 | 14987 |
| VANECK ETF TRUST | OIL SERVICES ETF | 92189H607 |  | 7347325 | 18177 | SH |  | SOLE |  | 0 | 0 | 18177 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 304310 | 1415 | SH |  | SOLE |  | 0 | 0 | 1415 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 256066 | 3410 | SH |  | SOLE |  | 0 | 0 | 3410 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 722029 | 8759 | SH |  | SOLE |  | 0 | 0 | 8759 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 502640 | 8586 | SH |  | SOLE |  | 0 | 0 | 8586 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 806188 | 10170 | SH |  | SOLE |  | 0 | 0 | 10170 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 749183 | 6830 | SH |  | SOLE |  | 0 | 0 | 6830 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 1905079 | 40577 | SH |  | SOLE |  | 0 | 0 | 40577 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 1864550 | 22532 | SH |  | SOLE |  | 0 | 0 | 22532 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1309576 | 26249 | SH |  | SOLE |  | 0 | 0 | 26249 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 490941 | 5535 | SH |  | SOLE |  | 0 | 0 | 5535 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 774770 | 2415 | SH |  | SOLE |  | 0 | 0 | 2415 |
| WALMART INC | COM | 931142103 |  | 1350720 | 10868 | SH |  | SOLE |  | 0 | 0 | 10868 |
| WHEATON PRECIOUS METALS CORP | COM | 962879102 |  | 1530529 | 11683 | SH |  | SOLE |  | 0 | 0 | 11683 |
| WISDOMTREE TR | US SMALLCAP DIVD | 97717W604 |  | 945883 | 26318 | SH |  | SOLE |  | 0 | 0 | 26318 |
| TRANSOCEAN LTD | REGISTERED SHS | H8817H100 |  | 115614 | 17438 | SH |  | SOLE |  | 0 | 0 | 17438 |

---