# EDGAR Filing Document

**Accession Number:** 0002010632
**File Stem:** 0001951757-25-000580
**Filing Date:** 2025-7
**Character Count:** 14815
**Document Hash:** 8e7b0ba56244ff51d7d4668fee37a1f9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-000580.hdr.sgml**: 20250708

**ACCESSION NUMBER**: 0001951757-25-000580

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250708

**DATE AS OF CHANGE**: 20250708

**EFFECTIVENESS DATE**: 20250708

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EHRLICH FINANCIAL GROUP
- **CENTRAL INDEX KEY:** 0002010632

**ORGANIZATION NAME:**
- **EIN:** 931424495
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23747
- **FILM NUMBER:** 251111365

**BUSINESS ADDRESS:**
- **STREET 1:** 28202 CABOT ROAD
- **STREET 2:** SUITE 425
- **CITY:** LAGUNA NIGUEL
- **STATE:** CA
- **ZIP:** 92677
- **BUSINESS PHONE:** 949-342-8852

**MAIL ADDRESS:**
- **STREET 1:** 28202 CABOT ROAD
- **STREET 2:** SUITE 425
- **CITY:** LAGUNA NIGUEL
- **STATE:** CA
- **ZIP:** 92677

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** EHRLICH FINANCIAL GROUP<br>**Address:** 28202 CABOT ROAD<br>SUITE 425<br>LAGUNA NIGUEL, CA 92677

**Form 13F File Number:** 028-23747

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:** Lora Rommel<br>**Title:** Chief Compliance Officer<br>**Phone:** 949-342-8852

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

Lora Rommel  Laguna Niguel, CA  07-08-2025<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:** 109

**Form 13F Information Table Value Total:** $154363552

      (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 |  | 207246 | 1176 | SH |  | SOLE |  | 0 | 0 | 1176 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 247863 | 1397 | SH |  | SOLE |  | 0 | 0 | 1397 |
| AMAZON COM INC | COM | 023135106 |  | 469933 | 2142 | SH |  | SOLE |  | 0 | 0 | 2142 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 6165670 | 61155 | SH |  | SOLE |  | 0 | 0 | 61155 |
| AMERICAN CENTY ETF TR | CALIF MUN BD ETF | 025072117 |  | 548313 | 11281 | SH |  | SOLE |  | 0 | 0 | 11281 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 355982 | 1116 | SH |  | SOLE |  | 0 | 0 | 1116 |
| APPLE INC | COM | 037833100 |  | 1316981 | 6419 | SH |  | SOLE |  | 0 | 0 | 6419 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 423591 | 872 | SH |  | SOLE |  | 0 | 0 | 872 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 7985309 | 146627 | SH |  | SOLE |  | 0 | 0 | 146627 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 2838467 | 79777 | SH |  | SOLE |  | 0 | 0 | 79777 |
| BLACKROCK ETF TRUST | ISHARES INTL DIV | 09290C848 |  | 2767474 | 101447 | SH |  | SOLE |  | 0 | 0 | 101447 |
| BLACKROCK ETF TRUST II | ISHARES SHORT-TE | 092528884 |  | 299421 | 5935 | SH |  | SOLE |  | 0 | 0 | 5935 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 3307055 | 62586 | SH |  | SOLE |  | 0 | 0 | 62586 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528843 |  | 488635 | 10048 | SH |  | SOLE |  | 0 | 0 | 10048 |
| BONDBLOXX ETF TRUST | BLOOMBERG TEN YR | 09789C812 |  | 3570365 | 77348 | SH |  | SOLE |  | 0 | 0 | 77348 |
| BROADCOM INC | COM | 11135F101 |  | 556480 | 2019 | SH |  | SOLE |  | 0 | 0 | 2019 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 |  | 278562 | 8150 | SH |  | SOLE |  | 0 | 0 | 8150 |
| DEERE  CO | COM | 244199105 |  | 313238 | 616 | SH |  | SOLE |  | 0 | 0 | 616 |
| EDWARDS LIFESCIENCES CORP | COM | 28176E108 |  | 875767 | 11198 | SH |  | SOLE |  | 0 | 0 | 11198 |
| FIDELITY COVINGTON TRUST | MSCI CONSM DIS | 316092204 |  | 206902 | 2199 | SH |  | SOLE |  | 0 | 0 | 2199 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 1209847 | 6135 | SH |  | SOLE |  | 0 | 0 | 6135 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 33734H106 |  | 412670 | 9232 | SH |  | SOLE |  | 0 | 0 | 9232 |
| GLAUKOS CORP | COM | 377322102 |  | 1034346 | 10014 | SH |  | SOLE |  | 0 | 0 | 10014 |
| GRANITESHARES GOLD TR | SHS BEN INT | 38748G101 |  | 524394 | 16066 | SH |  | SOLE |  | 0 | 0 | 16066 |
| HOME DEPOT INC | COM | 437076102 |  | 212897 | 581 | SH |  | SOLE |  | 0 | 0 | 581 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 870987 | 4792 | SH |  | SOLE |  | 0 | 0 | 4792 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 943009 | 1709 | SH |  | SOLE |  | 0 | 0 | 1709 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2428361 | 38941 | SH |  | SOLE |  | 0 | 0 | 38941 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1439377 | 22797 | SH |  | SOLE |  | 0 | 0 | 22797 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 234460 | 3906 | SH |  | SOLE |  | 0 | 0 | 3906 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 1082763 | 33001 | SH |  | SOLE |  | 0 | 0 | 33001 |
| ISHARES TR | LATN AMER 40 ETF | 464287390 |  | 260081 | 9923 | SH |  | SOLE |  | 0 | 0 | 9923 |
| ISHARES TR | GLOB HLTHCRE ETF | 464287325 |  | 530471 | 6162 | SH |  | SOLE |  | 0 | 0 | 6162 |
| ISHARES TR | S 100 ETF | 464287101 |  | 3822511 | 12560 | SH |  | SOLE |  | 0 | 0 | 12560 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 4831570 | 86680 | SH |  | SOLE |  | 0 | 0 | 86680 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1447699 | 13246 | SH |  | SOLE |  | 0 | 0 | 13246 |
| ISHARES TR | FUTURE AI  TECH | 46435U556 |  | 266336 | 6496 | SH |  | SOLE |  | 0 | 0 | 6496 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 766062 | 7444 | SH |  | SOLE |  | 0 | 0 | 7444 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 1800501 | 16076 | SH |  | SOLE |  | 0 | 0 | 16076 |
| ISHARES TR | US TECH BRKTHR | 46436E502 |  | 224468 | 3913 | SH |  | SOLE |  | 0 | 0 | 3913 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 4204009 | 66226 | SH |  | SOLE |  | 0 | 0 | 66226 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 1432686 | 12975 | SH |  | SOLE |  | 0 | 0 | 12975 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1200546 | 6567 | SH |  | SOLE |  | 0 | 0 | 6567 |
| ISHARES TR | GLOB INDSTRL ETF | 464288729 |  | 321792 | 1946 | SH |  | SOLE |  | 0 | 0 | 1946 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 1958481 | 8149 | SH |  | SOLE |  | 0 | 0 | 8149 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 597213 | 5454 | SH |  | SOLE |  | 0 | 0 | 5454 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 8116557 | 41534 | SH |  | SOLE |  | 0 | 0 | 41534 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 10745323 | 97596 | SH |  | SOLE |  | 0 | 0 | 97596 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1910909 | 3078 | SH |  | SOLE |  | 0 | 0 | 3078 |
| ISHARES TR | MBS ETF | 464288588 |  | 388186 | 4134 | SH |  | SOLE |  | 0 | 0 | 4134 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 531040 | 17309 | SH |  | SOLE |  | 0 | 0 | 17309 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 2284732 | 22488 | SH |  | SOLE |  | 0 | 0 | 22488 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 885677 | 8477 | SH |  | SOLE |  | 0 | 0 | 8477 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 312164 | 8224 | SH |  | SOLE |  | 0 | 0 | 8224 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 229070 | 1523 | SH |  | SOLE |  | 0 | 0 | 1523 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 226987 | 2288 | SH |  | SOLE |  | 0 | 0 | 2288 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 1039657 | 11781 | SH |  | SOLE |  | 0 | 0 | 11781 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 1211502 | 18947 | SH |  | SOLE |  | 0 | 0 | 18947 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1284218 | 12908 | SH |  | SOLE |  | 0 | 0 | 12908 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 811170 | 8916 | SH |  | SOLE |  | 0 | 0 | 8916 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 1884839 | 43610 | SH |  | SOLE |  | 0 | 0 | 43610 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 206756 | 3334 | SH |  | SOLE |  | 0 | 0 | 3334 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 261921 | 2907 | SH |  | SOLE |  | 0 | 0 | 2907 |
| ISHARES U S ETF TR | U.S. TECH INDEPD | 46431W648 |  | 262267 | 2790 | SH |  | SOLE |  | 0 | 0 | 2790 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 581876 | 11481 | SH |  | SOLE |  | 0 | 0 | 11481 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 6996405 | 116510 | SH |  | SOLE |  | 0 | 0 | 116510 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 3409479 | 59973 | SH |  | SOLE |  | 0 | 0 | 59973 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 282552 | 6100 | SH |  | SOLE |  | 0 | 0 | 6100 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 727453 | 13372 | SH |  | SOLE |  | 0 | 0 | 13372 |
| J P MORGAN EXCHANGE TRADED F | HEDGED EQUITY LA | 46654Q724 |  | 298143 | 4764 | SH |  | SOLE |  | 0 | 0 | 4764 |
| JANUS DETROIT STR TR | HENDERSON MTG | 47103U852 |  | 2403848 | 53360 | SH |  | SOLE |  | 0 | 0 | 53360 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 3091656 | 60919 | SH |  | SOLE |  | 0 | 0 | 60919 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 960846 | 3314 | SH |  | SOLE |  | 0 | 0 | 3314 |
| MICROSOFT CORP | COM | 594918104 |  | 602396 | 1211 | SH |  | SOLE |  | 0 | 0 | 1211 |
| NUVEEN CALIFORNIA AMT QLT MU | COM | 670651108 |  | 226162 | 19215 | SH |  | SOLE |  | 0 | 0 | 19215 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 529902 | 3354 | SH |  | SOLE |  | 0 | 0 | 3354 |
| PIMCO ETF TR | SHTRM MUN BD ACT | 72201R874 |  | 1539274 | 30681 | SH |  | SOLE |  | 0 | 0 | 30681 |
| PIMCO ETF TR | INV GRD CRP BD | 72201R817 |  | 486063 | 4995 | SH |  | SOLE |  | 0 | 0 | 4995 |
| PRINCIPAL EXCHANGE TRADED FD | SPECTRUM PFD | 74255Y888 |  | 314845 | 16597 | SH |  | SOLE |  | 0 | 0 | 16597 |
| ROYCE MICRO-CAP TR INC | COM | 780915104 |  | 97622 | 10554 | SH |  | SOLE |  | 0 | 0 | 10554 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 628317 | 28431 | SH |  | SOLE |  | 0 | 0 | 28431 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 475203 | 16268 | SH |  | SOLE |  | 0 | 0 | 16268 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1420595 | 53607 | SH |  | SOLE |  | 0 | 0 | 53607 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 |  | 257334 | 8982 | SH |  | SOLE |  | 0 | 0 | 8982 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 5238822 | 20688 | SH |  | SOLE |  | 0 | 0 | 20688 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 289144 | 3571 | SH |  | SOLE |  | 0 | 0 | 3571 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 413825 | 3813 | SH |  | SOLE |  | 0 | 0 | 3813 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 486607 | 9292 | SH |  | SOLE |  | 0 | 0 | 9292 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 200288 | 2453 | SH |  | SOLE |  | 0 | 0 | 2453 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 4110322 | 96170 | SH |  | SOLE |  | 0 | 0 | 96170 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 211200 | 8250 | SH |  | SOLE |  | 0 | 0 | 8250 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 1525357 | 53019 | SH |  | SOLE |  | 0 | 0 | 53019 |
| SPDR SERIES TRUST | PORT MTG BK ETF | 78464A383 |  | 2671582 | 120886 | SH |  | SOLE |  | 0 | 0 | 120886 |
| SPDR SERIES TRUST | PORTFLI HIGH YLD | 78468R606 |  | 244158 | 10259 | SH |  | SOLE |  | 0 | 0 | 10259 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 1249745 | 42668 | SH |  | SOLE |  | 0 | 0 | 42668 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 642927 | 4737 | SH |  | SOLE |  | 0 | 0 | 4737 |
| SPDR SERIES TRUST | BLOOMBERG HIGH Y | 78468R622 |  | 922554 | 9484 | SH |  | SOLE |  | 0 | 0 | 9484 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2481639 | 50124 | SH |  | SOLE |  | 0 | 0 | 50124 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 420606 | 1503 | SH |  | SOLE |  | 0 | 0 | 1503 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 293915 | 517 | SH |  | SOLE |  | 0 | 0 | 517 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 226866 | 1163 | SH |  | SOLE |  | 0 | 0 | 1163 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1772319 | 10028 | SH |  | SOLE |  | 0 | 0 | 10028 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 2291342 | 11195 | SH |  | SOLE |  | 0 | 0 | 11195 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1678575 | 29444 | SH |  | SOLE |  | 0 | 0 | 29444 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 586524 | 8975 | SH |  | SOLE |  | 0 | 0 | 8975 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 419926 | 3150 | SH |  | SOLE |  | 0 | 0 | 3150 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 231489 | 5350 | SH |  | SOLE |  | 0 | 0 | 5350 |
| VISA INC | COM CL A | 92826C839 |  | 322018 | 907 | SH |  | SOLE |  | 0 | 0 | 907 |
| WILLIAMS SONOMA INC | COM | 969904101 |  | 228065 | 1396 | SH |  | SOLE |  | 0 | 0 | 1396 |

---