# EDGAR Filing Document

**Accession Number:** 0001808394
**File Stem:** 0001808394-26-000001
**Filing Date:** 2026-1
**Character Count:** 8090
**Document Hash:** 456ee35aa9ffeaa15f3394b3309a1c76
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001808394-26-000001.hdr.sgml**: 20260122

**ACCESSION NUMBER**: 0001808394-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260122

**DATE AS OF CHANGE**: 20260122

**EFFECTIVENESS DATE**: 20260122

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Flower City Capital
- **CENTRAL INDEX KEY:** 0001808394

**ORGANIZATION NAME:**
- **EIN:** 474819690
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21588
- **FILM NUMBER:** 26550462

**BUSINESS ADDRESS:**
- **STREET 1:** 1 FISHERS RD
- **STREET 2:** SUITE 220
- **CITY:** PITTSFORD
- **STATE:** NY
- **ZIP:** 14534
- **BUSINESS PHONE:** 5852368501

**MAIL ADDRESS:**
- **STREET 1:** 1 FISHERS RD
- **STREET 2:** SUITE 220
- **CITY:** PITTSFORD
- **STATE:** NY
- **ZIP:** 14534

### 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:** Flower City Capital<br>**Address:** 1 FISHERS RD<br>SUITE 220<br>PITTSFORD, NY 14534

**Form 13F File Number:** 028-21588

**CRD Number (if applicable):** 000281503

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:** Vincent Crane<br>**Title:** Chief Compliance Officer<br>**Phone:** 5852368501

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

Vincent Crane  Pittsford, NY  01-22-2026<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:** 44

**Form 13F Information Table Value Total:** $196073837

      (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 |  | 701120 | 2240 | SH |  | SOLE |  | 0 | 0 | 2240 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 420806 | 1341 | SH |  | SOLE |  | 0 | 0 | 1341 |
| AMAZON COM INC | COM | 023135106 |  | 1018148 | 4411 | SH |  | SOLE |  | 0 | 0 | 4411 |
| AON PLC | SHS CL A | G0403H108 |  | 216316 | 613 | SH |  | SOLE |  | 0 | 0 | 613 |
| APPLE INC | COM | 037833100 |  | 4097812 | 15073 | SH |  | SOLE |  | 0 | 0 | 15073 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 243786 | 485 | SH |  | SOLE |  | 0 | 0 | 485 |
| CHEVRON CORP NEW | COM | 166764100 |  | 581902 | 3818 | SH |  | SOLE |  | 0 | 0 | 3818 |
| GE AEROSPACE | COM NEW | 369604301 |  | 406767 | 1319 | SH |  | SOLE |  | 0 | 0 | 1319 |
| GE VERNOVA INC | COM | 36828A101 |  | 215025 | 329 | SH |  | SOLE |  | 0 | 0 | 329 |
| GRAVITY CO LTD | SPONSORED ADS NE | 38911N206 |  | 202545 | 3500 | SH |  | OTR |  | 0 | 0 | 3500 |
| HOME DEPOT INC | COM | 437076102 |  | 378510 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| IMMUNEERING CORP | CLASS A COM | 45254E107 |  | 277867 | 42229 | SH |  | SOLE |  | 0 | 0 | 42229 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 347751 | 1174 | SH |  | SOLE |  | 0 | 0 | 1174 |
| ISHARES TR | CORE S ETF | 464287200 |  | 8492543 | 12399 | SH |  | SOLE |  | 0 | 0 | 12399 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 5594996 | 58263 | SH |  | SOLE |  | 0 | 0 | 58263 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 404721 | 1644 | SH |  | SOLE |  | 0 | 0 | 1644 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 323482 | 1620 | SH |  | SOLE |  | 0 | 0 | 1620 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 369599 | 1147 | SH |  | SOLE |  | 0 | 0 | 1147 |
| KURA ONCOLOGY INC | COM | 50127T109 |  | 124680 | 12000 | SH |  | SOLE |  | 0 | 0 | 12000 |
| MICROSOFT CORP | COM | 594918104 |  | 1553540 | 3212 | SH |  | SOLE |  | 0 | 0 | 3212 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1370029 | 7346 | SH |  | SOLE |  | 0 | 0 | 7346 |
| OUTLOOK THERAPEUTICS INC | COM | 69012T305 |  | 31600 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| PRECIGEN INC | COM | 74017N105 |  | 87780 | 21000 | SH |  | SOLE |  | 0 | 0 | 21000 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 274724 | 8388 | SH |  | SOLE |  | 0 | 0 | 8388 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 849450 | 35335 | SH |  | SOLE |  | 0 | 0 | 35335 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 3413353 | 126843 | SH |  | SOLE |  | 0 | 0 | 126843 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 278066 | 9764 | SH |  | SOLE |  | 0 | 0 | 9764 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 489022 | 6096 | SH |  | SOLE |  | 0 | 0 | 6096 |
| TPG INC | COM CL A | 872657101 |  | 457095 | 7160 | SH |  | SOLE |  | 0 | 0 | 7160 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 3086178 | 27813 | SH |  | SOLE |  | 0 | 0 | 27813 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 689592 | 9310 | SH |  | SOLE |  | 0 | 0 | 9310 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 615680 | 1262 | SH |  | SOLE |  | 0 | 0 | 1262 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 237330 | 818 | SH |  | SOLE |  | 0 | 0 | 818 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 14870508 | 23712 | SH |  | SOLE |  | 0 | 0 | 23712 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 340020 | 1318 | SH |  | SOLE |  | 0 | 0 | 1318 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1247875 | 3722 | SH |  | SOLE |  | 0 | 0 | 3722 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 58497567 | 795236 | SH |  | SOLE |  | 0 | 0 | 795236 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 5787438 | 40378 | SH |  | SOLE |  | 0 | 0 | 40378 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 559691 | 3968 | SH |  | SOLE |  | 0 | 0 | 3968 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 |  | 73554575 | 238010 | SH |  | SOLE |  | 0 | 0 | 238010 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 946038 | 9506 | SH |  | SOLE |  | 0 | 0 | 9506 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 661458 | 8768 | SH |  | SOLE |  | 0 | 0 | 8768 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1543613 | 24710 | SH |  | SOLE |  | 0 | 0 | 24710 |
| WALMART INC | COM | 931142103 |  | 213239 | 1914 | SH |  | SOLE |  | 0 | 0 | 1914 |

---