# EDGAR Filing Document

**Accession Number:** 0002095682
**File Stem:** 0002095682-26-000001
**Filing Date:** 2026-2
**Character Count:** 15370
**Document Hash:** 4283d1f2fa2b20bb6af4a6ebe66f5ff0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002095682-26-000001.hdr.sgml**: 20260202

**ACCESSION NUMBER**: 0002095682-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260202

**DATE AS OF CHANGE**: 20260202

**EFFECTIVENESS DATE**: 20260202

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WJ Financial Advisors LLC
- **CENTRAL INDEX KEY:** 0002095682

**ORGANIZATION NAME:**
- **EIN:** 208214158
- **STATE OF INCORPORATION:** CT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25823
- **FILM NUMBER:** 26586843

**BUSINESS ADDRESS:**
- **STREET 1:** 255 ROUTE 80
- **STREET 2:** SUITE 201
- **CITY:** KILLINGWORTH
- **STATE:** CT
- **ZIP:** 06419
- **BUSINESS PHONE:** 2023025853

**MAIL ADDRESS:**
- **STREET 1:** 255 ROUTE 80
- **STREET 2:** SUITE 201
- **CITY:** KILLINGWORTH
- **STATE:** CT
- **ZIP:** 06419

### 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:** WJ Financial Advisors LLC<br>**Address:** 255 ROUTE 80<br>SUITE 201<br>KILLINGWORTH, CT 06419

**Form 13F File Number:** 028-25823

**CRD Number (if applicable):** 000142761

**SEC File Number (if applicable):** 801-121886

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:** Wallace Jones<br>**Title:** Managing Member<br>**Phone:** 2023025853

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

Wallace Jones  KILLINGWORTH, CT  02-02-2026<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:** 2

**Form 13F Information Table Entry Total:** 115

**Form 13F Information Table Value Total:** $112293436

      (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.]

| No.   | Name             | Form 13F File Number   |
|:---|:---|:---|
|  | Joseph Giaccone  |  |
|  | Brandon LaChance |  |

### 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 |  | 343044 | 2738 | SH |  | DFND | 12 | 2738 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 549518 | 2405 | SH |  | DFND | 12 | 2405 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 708227 | 3307 | SH |  | DFND | 12 | 3307 | 0 | 0 |
| AERCAP HOLDINGS NV | SHS | N00985106 |  | 613855 | 4270 | SH |  | DFND | 12 | 4270 | 0 | 0 |
| AES CORP | COM | 00130H105 |  | 1103463 | 76950 | SH |  | DFND | 12 | 76950 | 0 | 0 |
| AGNC INVT CORP | COM | 00123Q104 |  | 589738 | 55013 | SH |  | DFND | 12 | 55013 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2444842 | 7791 | SH |  | DFND | 12 | 7791 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 3953023 | 17126 | SH |  | DFND | 12 | 17126 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 5733593 | 21090 | SH |  | DFND | 12 | 21090 | 0 | 0 |
| ARCOS DORADOS HOLDINGS INC | SHS CLASS -A - | G0457F107 |  | 232091 | 31620 | SH |  | DFND | 12 | 31620 | 0 | 0 |
| ASPEN AEROGELS INC | COM | 04523Y105 |  | 183426 | 64815 | SH |  | DFND | 12 | 64815 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 613497 | 11154 | SH |  | DFND | 12 | 11154 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 4589195 | 9130 | SH |  | DFND | 12 | 9130 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 |  | 802755 | 750 | SH |  | DFND | 12 | 750 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 794571 | 1387 | SH |  | DFND | 12 | 1387 | 0 | 0 |
| CAVA GROUP INC | COM | 148929102 |  | 412121 | 7022 | SH |  | DFND | 12 | 7022 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 268851 | 1764 | SH |  | DFND | 12 | 1764 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 660224 | 8571 | SH |  | DFND | 12 | 8571 | 0 | 0 |
| CLOUGH GLOBAL OPPORTUNITIES | SH BEN INT | 18914E106 |  | 122769 | 21691 | SH |  | DFND | 12 | 21691 | 0 | 0 |
| COHEN  STEERS LTD DURATION | COM | 19248C105 |  | 1129716 | 53364 | SH |  | DFND | 12 | 53364 | 0 | 0 |
| CORNERSTONE STRATEGIC INVEST | COM | 21924B302 |  | 2198805 | 263015 | SH |  | DFND | 12 | 263015 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1949755 | 2261 | SH |  | DFND | 12 | 2261 | 0 | 0 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 267463 | 4565 | SH |  | DFND | 12 | 4565 | 0 | 0 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 542680 | 16927 | SH |  | DFND | 12 | 16927 | 0 | 0 |
| EOG RES INC | COM | 26875P101 |  | 271031 | 2581 | SH |  | DFND | 12 | 2581 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 413368 | 3435 | SH |  | DFND | 12 | 3435 | 0 | 0 |
| FERMI INC | COM | 314911108 |  | 167360 | 20920 | SH |  | DFND | 12 | 20920 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 736192 | 2390 | SH |  | DFND | 12 | 2390 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 |  | 513052 | 785 | SH |  | DFND | 12 | 785 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 532401 | 2729 | SH |  | DFND | 12 | 2729 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 441057 | 1489 | SH |  | DFND | 12 | 1489 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S HDL VOL | 46138E362 |  | 2378042 | 49543 | SH |  | DFND | 12 | 49543 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 855799 | 1393 | SH |  | DFND | 12 | 1393 | 0 | 0 |
| ISHARES INC | MSCI AUST ETF | 464286103 |  | 386826 | 14770 | SH |  | DFND | 12 | 14770 | 0 | 0 |
| ISHARES INC | MSCI MEXICO ETF | 464286822 |  | 493352 | 7116 | SH |  | DFND | 12 | 7116 | 0 | 0 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 1365897 | 21203 | SH |  | DFND | 12 | 21203 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 3165913 | 36323 | SH |  | DFND | 12 | 36323 | 0 | 0 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 2959466 | 95590 | SH |  | DFND | 12 | 95590 | 0 | 0 |
| ISHARES TR | MSCI UK ETF NEW | 46435G334 |  | 223638 | 5085 | SH |  | DFND | 12 | 5085 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 638765 | 5617 | SH |  | DFND | 12 | 5617 | 0 | 0 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 732228 | 5188 | SH |  | DFND | 12 | 5188 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 237076 | 2157 | SH |  | DFND | 12 | 2157 | 0 | 0 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 434819 | 1124 | SH |  | DFND | 12 | 1124 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 206617 | 839 | SH |  | DFND | 12 | 839 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 451375 | 659 | SH |  | DFND | 12 | 659 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1255504 | 6067 | SH |  | DFND | 12 | 6067 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1887275 | 5857 | SH |  | DFND | 12 | 5857 | 0 | 0 |
| KENVUE INC | COM | 49177J102 |  | 493195 | 28591 | SH |  | DFND | 12 | 28591 | 0 | 0 |
| KEURIG DR PEPPER INC | COM | 49271V100 |  | 754870 | 26950 | SH |  | DFND | 12 | 26950 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 1566144 | 15523 | SH |  | DFND | 12 | 15523 | 0 | 0 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 979299 | 35624 | SH |  | DFND | 12 | 35624 | 0 | 0 |
| KRAFT HEINZ CO | COM | 500754106 |  | 225646 | 9305 | SH |  | DFND | 12 | 9305 | 0 | 0 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 209699 | 2183 | SH |  | DFND | 12 | 2183 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 833748 | 1263 | SH |  | DFND | 12 | 1263 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1256462 | 2598 | SH |  | DFND | 12 | 2598 | 0 | 0 |
| MONGODB INC | CL A | 60937P106 |  | 1480247 | 3527 | SH |  | DFND | 12 | 3527 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 658195 | 7020 | SH |  | DFND | 12 | 7020 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 264041 | 3289 | SH |  | DFND | 12 | 3289 | 0 | 0 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 613511 | 12058 | SH |  | DFND | 12 | 12058 | 0 | 0 |
| OLD REP INTL CORP | COM | 680223104 |  | 289175 | 6336 | SH |  | DFND | 12 | 6336 | 0 | 0 |
| ON HLDG AG | NAMEN AKT A | H5919C104 |  | 345486 | 7433 | SH |  | DFND | 12 | 7433 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 678827 | 3819 | SH |  | DFND | 12 | 3819 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 624490 | 4351 | SH |  | DFND | 12 | 4351 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 265614 | 10667 | SH |  | DFND | 12 | 10667 | 0 | 0 |
| PIMCO INCOME STRATEGY FD II | COM | 72201J104 |  | 216606 | 28881 | SH |  | DFND | 12 | 28881 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 234742 | 1638 | SH |  | DFND | 12 | 1638 | 0 | 0 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 664580 | 861 | SH |  | DFND | 12 | 861 | 0 | 0 |
| ROYAL GOLD INC | COM | 780287108 |  | 1010086 | 4544 | SH |  | DFND | 12 | 4544 | 0 | 0 |
| ROYCE SMALL CAP TRUST INC | COM | 780910105 |  | 1264253 | 78525 | SH |  | DFND | 12 | 78525 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 409532 | 2233 | SH |  | DFND | 12 | 2233 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 791291 | 2987 | SH |  | DFND | 12 | 2987 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 1708711 | 59997 | SH |  | DFND | 12 | 59997 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 1502764 | 62511 | SH |  | DFND | 12 | 62511 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 751451 | 32155 | SH |  | DFND | 12 | 32155 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 4095056 | 152176 | SH |  | DFND | 12 | 152176 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 2098851 | 69799 | SH |  | DFND | 12 | 69799 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 978210 | 29869 | SH |  | DFND | 12 | 29869 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 331893 | 12529 | SH |  | DFND | 12 | 12529 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 549778 | 3552 | SH |  | DFND | 12 | 3552 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 221986 | 4965 | SH |  | DFND | 12 | 4965 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 1850945 | 43358 | SH |  | DFND | 12 | 43358 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 694125 | 8936 | SH |  | DFND | 12 | 8936 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 1053216 | 7316 | SH |  | DFND | 12 | 7316 | 0 | 0 |
| SLR INVESTMENT CORP | COM | 83413U100 |  | 268865 | 17391 | SH |  | DFND | 12 | 17391 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 1545031 | 17718 | SH |  | DFND | 12 | 17718 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 6252583 | 15777 | SH |  | DFND | 12 | 15777 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4035970 | 5919 | SH |  | DFND | 12 | 5919 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 1348934 | 2236 | SH |  | DFND | 12 | 2236 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 291401 | 2094 | SH |  | DFND | 12 | 2094 | 0 | 0 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD AN | 85208R101 |  | 357240 | 7800 | SH |  | DFND | 12 | 7800 | 0 | 0 |
| STARWOOD PPTY TR INC | COM | 85571B105 |  | 758671 | 42125 | SH |  | DFND | 12 | 42125 | 0 | 0 |
| SYNOPSYS INC | COM | 871607107 |  | 602651 | 1283 | SH |  | DFND | 12 | 1283 | 0 | 0 |
| TARGA RES CORP | COM | 87612G101 |  | 435051 | 2358 | SH |  | DFND | 12 | 2358 | 0 | 0 |
| TORTOISE ENERGY INFRA CORP | COM | 89147L886 |  | 1141642 | 27913 | SH |  | DFND | 12 | 27913 | 0 | 0 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 674680 | 2326 | SH |  | DFND | 12 | 2326 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 266729 | 808 | SH |  | DFND | 12 | 808 | 0 | 0 |
| VANECK ETF TRUST | VANECK VIETNAM | 92189F817 |  | 350595 | 18375 | SH |  | DFND | 12 | 18375 | 0 | 0 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 262027 | 3055 | SH |  | DFND | 12 | 3055 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 751089 | 2588 | SH |  | DFND | 12 | 2588 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 434845 | 1297 | SH |  | DFND | 12 | 1297 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 220125 | 1153 | SH |  | DFND | 12 | 1153 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 270248 | 3054 | SH |  | DFND | 12 | 3054 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 685373 | 2657 | SH |  | DFND | 12 | 2657 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 346171 | 6999 | SH |  | DFND | 12 | 6999 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 759428 | 9525 | SH |  | DFND | 12 | 9525 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 917565 | 10956 | SH |  | DFND | 12 | 10956 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LG-TERM COR BD | 92206C813 |  | 1691917 | 22306 | SH |  | DFND | 12 | 22306 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 325423 | 5541 | SH |  | DFND | 12 | 5541 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 276601 | 4957 | SH |  | DFND | 12 | 4957 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 286373 | 1303 | SH |  | DFND | 12 | 1303 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 273201 | 4373 | SH |  | DFND | 12 | 4373 | 0 | 0 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1776997 | 2357 | SH |  | DFND | 12 | 2357 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 253914 | 724 | SH |  | DFND | 12 | 724 | 0 | 0 |
| WILLIAMS COS INC | COM | 969457100 |  | 622920 | 10363 | SH |  | DFND | 12 | 10363 | 0 | 0 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 |  | 288176 | 1999 | SH |  | DFND | 12 | 1999 | 0 | 0 |

---