# EDGAR Filing Document

**Accession Number:** 0001928041
**File Stem:** 0001951757-23-000025
**Filing Date:** 2023-1
**Character Count:** 12334
**Document Hash:** 705ed2f79a654e29ce0f8b61dfa7974c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-23-000025.hdr.sgml**: 20230119

**ACCESSION NUMBER**: 0001951757-23-000025

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230119

**DATE AS OF CHANGE**: 20230119

**EFFECTIVENESS DATE**: 20230119

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BMS Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0001928041
- **IRS NUMBER:** 432073779
- **STATE OF INCORPORATION:** SD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22483
- **FILM NUMBER:** 23537945

**BUSINESS ADDRESS:**
- **STREET 1:** 1508 MOUNTAIN VIEW ROAD
- **CITY:** RAPID CITY
- **STATE:** SD
- **ZIP:** 57702
- **BUSINESS PHONE:** (605) 341-1555

**MAIL ADDRESS:**
- **STREET 1:** 1508 MOUNTAIN VIEW ROAD
- **CITY:** RAPID CITY
- **STATE:** SD
- **ZIP:** 57702

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** BMS Financial Advisors LLC<br>**Address:** 1508 MOUNTAIN VIEW ROAD<br>RAPID CITY, SD 57702

**Form 13F File Number:** 028-22483

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:** DOUGLAS MAHER<br>**Title:** PRESIDENT AND CHIEF COMPLIANCE OFFICER<br>**Phone:** 605-341-1555

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

DOUGLAS MAHER  RAPID CITY, SD  01-19-2023<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:** 92

**Form 13F Information Table Value Total:** $150822551

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 520844 | 4744 | SH |  | SOLE |  | 0 | 0 | 4744 |
| AMAZON COM INC | COM | 023135106 |  | 494256 | 5884 | SH |  | SOLE |  | 0 | 0 | 5884 |
| AMGEN INC | COM | 031162100 |  | 589364 | 2244 | SH |  | SOLE |  | 0 | 0 | 2244 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 650236 | 8540 | SH |  | SOLE |  | 0 | 0 | 8540 |
| APPLE INC | COM | 037833100 |  | 725009 | 5580 | SH |  | SOLE |  | 0 | 0 | 5580 |
| ATLASSIAN CORPORATION | CL A | 049468101 |  | 393503 | 3058 | SH |  | SOLE |  | 0 | 0 | 3058 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 221172 | 716 | SH |  | SOLE |  | 0 | 0 | 716 |
| BOOZ ALLEN HAMILTON HLDG COR | CL A | 099502106 |  | 315755 | 3021 | SH |  | SOLE |  | 0 | 0 | 3021 |
| CHEVRON CORP NEW | COM | 166764100 |  | 980374 | 5462 | SH |  | SOLE |  | 0 | 0 | 5462 |
| DISCOVER FINL SVCS | COM | 254709108 |  | 567121 | 5797 | SH |  | SOLE |  | 0 | 0 | 5797 |
| FLOOR  DECOR HLDGS INC | CL A | 339750101 |  | 322596 | 4633 | SH |  | SOLE |  | 0 | 0 | 4633 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 1081465 | 5736 | SH |  | SOLE |  | 0 | 0 | 5736 |
| HEICO CORP NEW | CL A | 422806208 |  | 353318 | 2948 | SH |  | SOLE |  | 0 | 0 | 2948 |
| HOME DEPOT INC | COM | 437076102 |  | 776700 | 2459 | SH |  | SOLE |  | 0 | 0 | 2459 |
| HONEYWELL INTL INC | COM | 438516106 |  | 541108 | 2525 | SH |  | SOLE |  | 0 | 0 | 2525 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 311725 | 1415 | SH |  | SOLE |  | 0 | 0 | 1415 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 3836982 | 29698 | SH |  | SOLE |  | 0 | 0 | 29698 |
| ISHARES TR | CORE S ETF | 464287200 |  | 27563344 | 57786 | SH |  | SOLE |  | 0 | 0 | 57786 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 2244829 | 34863 | SH |  | SOLE |  | 0 | 0 | 34863 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 221056 | 2642 | SH |  | SOLE |  | 0 | 0 | 2642 |
| ISHARES TR | GLOBAL FINLS ETF | 464287333 |  | 1641070 | 20498 | SH |  | SOLE |  | 0 | 0 | 20498 |
| ISHARES TR | U.S. ENERGY ETF | 464287796 |  | 1531187 | 50870 | SH |  | SOLE |  | 0 | 0 | 50870 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 3192310 | 27878 | SH |  | SOLE |  | 0 | 0 | 27878 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 332418 | 3096 | SH |  | SOLE |  | 0 | 0 | 3096 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1069892 | 9201 | SH |  | SOLE |  | 0 | 0 | 9201 |
| ISHARES TR | MBS ETF | 464288588 |  | 882860 | 8218 | SH |  | SOLE |  | 0 | 0 | 8218 |
| ISHARES TR | INTRM GOV CR ETF | 464288612 |  | 257530 | 2264 | SH |  | SOLE |  | 0 | 0 | 2264 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 503562 | 9346 | SH |  | SOLE |  | 0 | 0 | 9346 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 219187 | 1477 | SH |  | SOLE |  | 0 | 0 | 1477 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 6508524 | 129163 | SH |  | SOLE |  | 0 | 0 | 129163 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 6387997 | 57920 | SH |  | SOLE |  | 0 | 0 | 57920 |
| LAM RESEARCH CORP | COM | 512807108 |  | 385415 | 917 | SH |  | SOLE |  | 0 | 0 | 917 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 766708 | 1576 | SH |  | SOLE |  | 0 | 0 | 1576 |
| MCDONALDS CORP | COM | 580135101 |  | 263530 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| METTLER TOLEDO INTERNATIONAL | COM | 592688105 |  | 656234 | 454 | SH |  | SOLE |  | 0 | 0 | 454 |
| MICROSOFT CORP | COM | 594918104 |  | 1180634 | 4923 | SH |  | SOLE |  | 0 | 0 | 4923 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 729212 | 5388 | SH |  | SOLE |  | 0 | 0 | 5388 |
| OLD DOMINION FREIGHT LINE IN | COM | 679580100 |  | 338833 | 1194 | SH |  | SOLE |  | 0 | 0 | 1194 |
| PAYCHEX INC | COM | 704326107 |  | 927831 | 8029 | SH |  | SOLE |  | 0 | 0 | 8029 |
| PEPSICO INC | COM | 713448108 |  | 601236 | 3328 | SH |  | SOLE |  | 0 | 0 | 3328 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 763528 | 7544 | SH |  | SOLE |  | 0 | 0 | 7544 |
| PHILLIPS 66 | COM | 718546104 |  | 760096 | 7303 | SH |  | SOLE |  | 0 | 0 | 7303 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 547435 | 3612 | SH |  | SOLE |  | 0 | 0 | 3612 |
| REPLIGEN CORP | COM | 759916109 |  | 248716 | 1469 | SH |  | SOLE |  | 0 | 0 | 1469 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 |  | 5394640 | 92043 | SH |  | SOLE |  | 0 | 0 | 92043 |
| SNAP ON INC | COM | 833034101 |  | 689811 | 3019 | SH |  | SOLE |  | 0 | 0 | 3019 |
| STARBUCKS CORP | COM | 855244109 |  | 483501 | 4874 | SH |  | SOLE |  | 0 | 0 | 4874 |
| STRYKER CORPORATION | COM | 863667101 |  | 505850 | 2069 | SH |  | SOLE |  | 0 | 0 | 2069 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 716448 | 1301 | SH |  | SOLE |  | 0 | 0 | 1301 |
| US BANCORP DEL | COM NEW | 902973304 |  | 465406 | 10672 | SH |  | SOLE |  | 0 | 0 | 10672 |
| UNION PAC CORP | COM | 907818108 |  | 849815 | 4104 | SH |  | SOLE |  | 0 | 0 | 4104 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 492451 | 1128 | SH |  | SOLE |  | 0 | 0 | 1128 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 257064 | 1710 | SH |  | SOLE |  | 0 | 0 | 1710 |
| ABBVIE INC | COM | 00287Y109 |  | 1097332 | 6790 | SH |  | SOLE |  | 0 | 0 | 6790 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 500662 | 10953 | SH |  | SOLE |  | 0 | 0 | 10953 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 775934 | 2492 | SH |  | SOLE |  | 0 | 0 | 2492 |
| BLACKROCK INC | COM | 09247X101 |  | 633515 | 894 | SH |  | SOLE |  | 0 | 0 | 894 |
| CANADIAN PAC RY LTD | COM | 13645T100 |  | 432697 | 5801 | SH |  | SOLE |  | 0 | 0 | 5801 |
| CISCO SYS INC | COM | 17275R102 |  | 522516 | 10968 | SH |  | SOLE |  | 0 | 0 | 10968 |
| CORTEVA INC | COM | 22052L104 |  | 253577 | 4314 | SH |  | SOLE |  | 0 | 0 | 4314 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 288965 | 633 | SH |  | SOLE |  | 0 | 0 | 633 |
| CROWN CASTLE INC | COM | 22822V101 |  | 425910 | 3140 | SH |  | SOLE |  | 0 | 0 | 3140 |
| DATADOG INC | CL A COM | 23804L103 |  | 380142 | 5172 | SH |  | SOLE |  | 0 | 0 | 5172 |
| ENTEGRIS INC | COM | 29362U104 |  | 224777 | 3427 | SH |  | SOLE |  | 0 | 0 | 3427 |
| ICICI BANK LIMITED | ADR | 45104G104 |  | 398310 | 18196 | SH |  | SOLE |  | 0 | 0 | 18196 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 5779395 | 216619 | SH |  | SOLE |  | 0 | 0 | 216619 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1817661 | 22468 | SH |  | SOLE |  | 0 | 0 | 22468 |
| ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 |  | 1504041 | 48706 | SH |  | SOLE |  | 0 | 0 | 48706 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 2813488 | 25701 | SH |  | SOLE |  | 0 | 0 | 25701 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 2149124 | 54066 | SH |  | SOLE |  | 0 | 0 | 54066 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 8340127 | 157569 | SH |  | SOLE |  | 0 | 0 | 157569 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 14484388 | 134239 | SH |  | SOLE |  | 0 | 0 | 134239 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 2782145 | 92831 | SH |  | SOLE |  | 0 | 0 | 92831 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 805405 | 6006 | SH |  | SOLE |  | 0 | 0 | 6006 |
| LPL FINL HLDGS INC | COM | 50212V100 |  | 581497 | 2690 | SH |  | SOLE |  | 0 | 0 | 2690 |
| MSCI INC | COM | 55354G100 |  | 391673 | 842 | SH |  | SOLE |  | 0 | 0 | 842 |
| MCKESSON CORP | COM | 58155Q103 |  | 388249 | 1035 | SH |  | SOLE |  | 0 | 0 | 1035 |
| MERCK  CO INC | COM | 58933Y105 |  | 909124 | 8194 | SH |  | SOLE |  | 0 | 0 | 8194 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 529104 | 6329 | SH |  | SOLE |  | 0 | 0 | 6329 |
| PROLOGIS INC. | COM | 74340W103 |  | 502438 | 4457 | SH |  | SOLE |  | 0 | 0 | 4457 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 12990682 | 179256 | SH |  | SOLE |  | 0 | 0 | 179256 |
| SERVICENOW INC | COM | 81762P102 |  | 245387 | 632 | SH |  | SOLE |  | 0 | 0 | 632 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 817538 | 1542 | SH |  | SOLE |  | 0 | 0 | 1542 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 343529 | 8719 | SH |  | SOLE |  | 0 | 0 | 8719 |
| VICTORY PORTFOLIOS II | VCSHS US 500 ENH | 92647N782 |  | 202072 | 2600 | SH |  | SOLE |  | 0 | 0 | 2600 |
| VISA INC | COM CL A | 92826C839 |  | 626396 | 3015 | SH |  | SOLE |  | 0 | 0 | 3015 |
| WASTE CONNECTIONS INC | COM | 94106B101 |  | 534810 | 4037 | SH |  | SOLE |  | 0 | 0 | 4037 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 615333 | 2306 | SH |  | SOLE |  | 0 | 0 | 2306 |
| LINDE PLC | SHS | G5494J103 |  | 494489 | 1516 | SH |  | SOLE |  | 0 | 0 | 1516 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 250414 | 3222 | SH |  | SOLE |  | 0 | 0 | 3222 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 291778 | 534 | SH |  | SOLE |  | 0 | 0 | 534 |
| FERRARI N V | COM | N3167Y103 |  | 436239 | 2042 | SH |  | SOLE |  | 0 | 0 | 2042 |

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