# EDGAR Filing Document

**Accession Number:** 0001914395
**File Stem:** 0001951757-25-001317
**Filing Date:** 2025-11
**Character Count:** 11507
**Document Hash:** b2dd6919027daee20130888aec886d0a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001317.hdr.sgml**: 20251107

**ACCESSION NUMBER**: 0001951757-25-001317

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251107

**DATE AS OF CHANGE**: 20251107

**EFFECTIVENESS DATE**: 20251107

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Summit Investment Advisory Services, LLC
- **CENTRAL INDEX KEY:** 0001914395

**ORGANIZATION NAME:**
- **EIN:** 463724686
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22794
- **FILM NUMBER:** 251460531

**BUSINESS ADDRESS:**
- **STREET 1:** 3065 CENTRE POINTE DRIVE
- **STREET 2:** SUITE 2
- **CITY:** ROSEVILLE
- **STATE:** MN
- **ZIP:** 55113
- **BUSINESS PHONE:** (651) 490-2939

**MAIL ADDRESS:**
- **STREET 1:** 3065 CENTRE POINTE DRIVE
- **STREET 2:** SUITE 2
- **CITY:** ROSEVILLE
- **STATE:** MN
- **ZIP:** 55113

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [x] **Amendment Number:** 1

**This Amendment (Check only one.):** [x] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Summit Investment Advisory Services LLC<br>**Address:** 3065 CENTRE POINTE DRIVE<br>SUITE 2<br>ROSEVILLE, MN 55113

**Form 13F File Number:** 028-22794

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:** Christopher Schurmann<br>**Title:** Chief Compliance Officer<br>**Phone:** (651) 490-2939

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

Christopher Schurmann  Roseville, MN  11-07-2025<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:** 76

**Form 13F Information Table Value Total:** $251074248

      (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 INCOME CREDIT STRATEGI | COM | 003057106 |  | 58000 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| ALPS ETF TR | ALERIAN MLP | 00162Q452 |  | 344670 | 7344 | SH |  | SOLE |  | 0 | 0 | 7344 |
| APPLE INC | COM | 037833100 |  | 345532 | 1357 | SH |  | SOLE |  | 0 | 0 | 1357 |
| ARK ETF TR | GENOMIC REV ETF | 00214Q302 |  | 287227 | 10343 | SH |  | SOLE |  | 0 | 0 | 10343 |
| ARK ETF TR | INNOVATION ETF | 00214Q104 |  | 968803 | 11226 | SH |  | SOLE |  | 0 | 0 | 11226 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 272485 | 542 | SH |  | SOLE |  | 0 | 0 | 542 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 |  | 247199 | 2532 | SH |  | SOLE |  | 0 | 0 | 2532 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 1101855 | 37200 | SH |  | SOLE |  | 0 | 0 | 37200 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 36286639 | 826198 | SH |  | SOLE |  | 0 | 0 | 826198 |
| CAPITAL GROUP CORE EQUITY ET | SHS CREATION UNI | 14020V108 |  | 27827607 | 703784 | SH |  | SOLE |  | 0 | 0 | 703784 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 40825064 | 971332 | SH |  | SOLE |  | 0 | 0 | 971332 |
| DAVIS FUNDAMENTAL ETF TR | SELECT US EQTY | 23908L207 |  | 400639 | 8364 | SH |  | SOLE |  | 0 | 0 | 8364 |
| EATON VANCE TAX ADVT DIV INC | COM | 27828G107 |  | 476704 | 19497 | SH |  | SOLE |  | 0 | 0 | 19497 |
| EATON VANCE TAX-MANAGED DIVE | COM | 27828N102 |  | 768327 | 48322 | SH |  | SOLE |  | 0 | 0 | 48322 |
| EATON VANCE TAX-MANAGED BUY- | COM | 27828Y108 |  | 252260 | 17702 | SH |  | SOLE |  | 0 | 0 | 17702 |
| EATON VANCE TAX-MANAGED GLOB | COM | 27829F108 |  | 139021 | 15277 | SH |  | SOLE |  | 0 | 0 | 15277 |
| ENTEGRIS INC | COM | 29362U104 |  | 335815 | 3632 | SH |  | SOLE |  | 0 | 0 | 3632 |
| FIDELITY COVINGTON TRUST | ENHANCED SMALL | 31609A206 |  | 11628572 | 318069 | SH |  | SOLE |  | 0 | 0 | 318069 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 275207 | 2939 | SH |  | SOLE |  | 0 | 0 | 2939 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 33734H106 |  | 340750 | 7369 | SH |  | SOLE |  | 0 | 0 | 7369 |
| FIRST TR EXCHANGE TRADED FD | RBA INDL ETF | 33738R704 |  | 220637 | 2282 | SH |  | SOLE |  | 0 | 0 | 2282 |
| FIRST TR EXCHANGE-TRADED FD | SMID RISNG ETF | 33741X102 |  | 1867114 | 49109 | SH |  | SOLE |  | 0 | 0 | 49109 |
| FRANKLIN TEMPLETON ETF TR | INCOME FOCUS ETF | 35473P439 |  | 26947271 | 971422 | SH |  | SOLE |  | 0 | 0 | 971422 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 224539 | 374 | SH |  | SOLE |  | 0 | 0 | 374 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 3916942 | 26893 | SH |  | SOLE |  | 0 | 0 | 26893 |
| ISHARES TR | CORE S ETF | 464287200 |  | 916314 | 1369 | SH |  | SOLE |  | 0 | 0 | 1369 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 2721152 | 41697 | SH |  | SOLE |  | 0 | 0 | 41697 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1154963 | 9720 | SH |  | SOLE |  | 0 | 0 | 9720 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 317767 | 3848 | SH |  | SOLE |  | 0 | 0 | 3848 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 24120503 | 354296 | SH |  | SOLE |  | 0 | 0 | 354296 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 810386 | 20459 | SH |  | SOLE |  | 0 | 0 | 20459 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 224835 | 2408 | SH |  | SOLE |  | 0 | 0 | 2408 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 2348191 | 24681 | SH |  | SOLE |  | 0 | 0 | 24681 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 266566 | 1371 | SH |  | SOLE |  | 0 | 0 | 1371 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 265691 | 1036 | SH |  | SOLE |  | 0 | 0 | 1036 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 742764 | 7693 | SH |  | SOLE |  | 0 | 0 | 7693 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 284822 | 1399 | SH |  | SOLE |  | 0 | 0 | 1399 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 408922 | 873 | SH |  | SOLE |  | 0 | 0 | 873 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 511381 | 2114 | SH |  | SOLE |  | 0 | 0 | 2114 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 8461671 | 70093 | SH |  | SOLE |  | 0 | 0 | 70093 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 3180598 | 15402 | SH |  | SOLE |  | 0 | 0 | 15402 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 202648 | 2113 | SH |  | SOLE |  | 0 | 0 | 2113 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 313435 | 3291 | SH |  | SOLE |  | 0 | 0 | 3291 |
| MICROSOFT CORP | COM | 594918104 |  | 376199 | 726 | SH |  | SOLE |  | 0 | 0 | 726 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 344830 | 1848 | SH |  | SOLE |  | 0 | 0 | 1848 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 510378 | 5467 | SH |  | SOLE |  | 0 | 0 | 5467 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 1143969 | 42622 | SH |  | SOLE |  | 0 | 0 | 42622 |
| PIMCO ETF TR | MUNI INCOME OPP | 72201R635 |  | 1035965 | 22864 | SH |  | SOLE |  | 0 | 0 | 22864 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 308885 | 3701 | SH |  | SOLE |  | 0 | 0 | 3701 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 297115 | 11280 | SH |  | SOLE |  | 0 | 0 | 11280 |
| SPDR SERIES TRUST | BLOOMBERG 3-12 M | 78468R523 |  | 225512 | 2266 | SH |  | SOLE |  | 0 | 0 | 2266 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 228254 | 5334 | SH |  | SOLE |  | 0 | 0 | 5334 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 265182 | 746 | SH |  | SOLE |  | 0 | 0 | 746 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 3246292 | 31062 | SH |  | SOLE |  | 0 | 0 | 31062 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 1825105 | 32986 | SH |  | SOLE |  | 0 | 0 | 32986 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 |  | 11733390 | 145485 | SH |  | SOLE |  | 0 | 0 | 145485 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 1594975 | 27889 | SH |  | SOLE |  | 0 | 0 | 27889 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 1242444 | 15860 | SH |  | SOLE |  | 0 | 0 | 15860 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 735776 | 15885 | SH |  | SOLE |  | 0 | 0 | 15885 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1875483 | 2815 | SH |  | SOLE |  | 0 | 0 | 2815 |
| SPDR SERIES TRUST | S KENSHO NEW | 78468R648 |  | 730460 | 11732 | SH |  | SOLE |  | 0 | 0 | 11732 |
| SPDR SERIES TRUST | S 400 MDCP VAL | 78464A839 |  | 266727 | 3198 | SH |  | SOLE |  | 0 | 0 | 3198 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 598612 | 2774 | SH |  | SOLE |  | 0 | 0 | 2774 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 2985914 | 6226 | SH |  | SOLE |  | 0 | 0 | 6226 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 875618 | 2176 | SH |  | SOLE |  | 0 | 0 | 2176 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 524061 | 2147 | SH |  | SOLE |  | 0 | 0 | 2147 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1209475 | 4118 | SH |  | SOLE |  | 0 | 0 | 4118 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 583243 | 952 | SH |  | SOLE |  | 0 | 0 | 952 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 235453 | 791 | SH |  | SOLE |  | 0 | 0 | 791 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1799382 | 7076 | SH |  | SOLE |  | 0 | 0 | 7076 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 322506 | 4390 | SH |  | SOLE |  | 0 | 0 | 4390 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 6146418 | 18729 | SH |  | SOLE |  | 0 | 0 | 18729 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1461051 | 7834 | SH |  | SOLE |  | 0 | 0 | 7834 |
| ETF SER SOLUTIONS | VIDENT INTERNATI | 26922A404 |  | 271079 | 8447 | SH |  | SOLE |  | 0 | 0 | 8447 |
| ETF SER SOLUTIONS | VIDENT US EQUITY | 26922A503 |  | 440518 | 6632 | SH |  | SOLE |  | 0 | 0 | 6632 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 2022489 | 22735 | SH |  | SOLE |  | 0 | 0 | 22735 |

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