# EDGAR Filing Document

**Accession Number:** 0002024049
**File Stem:** 0002024049-26-000001
**Filing Date:** 2026-1
**Character Count:** 13728
**Document Hash:** 08601d8146c9f66d2d2ec8dfb1f311af
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002024049-26-000001.hdr.sgml**: 20260120

**ACCESSION NUMBER**: 0002024049-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260120

**DATE AS OF CHANGE**: 20260120

**EFFECTIVENESS DATE**: 20260120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Investment Planning Advisors, Inc.
- **CENTRAL INDEX KEY:** 0002024049

**ORGANIZATION NAME:**
- **EIN:** 262499046
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24228
- **FILM NUMBER:** 26541349

**BUSINESS ADDRESS:**
- **STREET 1:** 327 DAHLONEGA STREET,
- **STREET 2:** SUITE 503
- **CITY:** CUMMING
- **STATE:** GA
- **ZIP:** 30040
- **BUSINESS PHONE:** 7702054394

**MAIL ADDRESS:**
- **STREET 1:** 327 DAHLONEGA STREET,
- **STREET 2:** SUITE 503
- **CITY:** CUMMING
- **STATE:** GA
- **ZIP:** 30040

### 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:** Investment Planning Advisors Inc.<br>**Address:** 327 DAHLONEGA STREET<br>SUITE 503<br>CUMMING, GA 30040

**Form 13F File Number:** 028-24228

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:** Kenneth Bellavance<br>**Title:** President<br>**Phone:** (770) 205-4394

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

KENNETH BELLAVANCE  CUMMING, GA  01-20-2026<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:** 96

**Form 13F Information Table Value Total:** $343489072

      (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 |  | 791537 | 2529 | SH |  | SOLE |  | 2529 | 0 | 0 |
| ALPS ETF TR | ALERIAN MLP | 00162Q452 |  | 431973 | 9187 | SH |  | SOLE |  | 9187 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 321049 | 1391 | SH |  | SOLE |  | 1391 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 269514 | 991 | SH |  | SOLE |  | 991 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 1128358 | 4151 | SH |  | SOLE |  | 4151 | 0 | 0 |
| BERKLEY W R CORP | COM | 084423102 |  | 1290699 | 18407 | SH |  | SOLE |  | 18407 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 632126 | 1258 | SH |  | SOLE |  | 1258 | 0 | 0 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 12052089 | 228389 | SH |  | SOLE |  | 228389 | 0 | 0 |
| CAPITAL GROUP CORE EQUITY ET | SHS CREATION UNI | 14020V108 |  | 14282755 | 355027 | SH |  | SOLE |  | 355027 | 0 | 0 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 688954 | 19883 | SH |  | SOLE |  | 19883 | 0 | 0 |
| CAPITAL GROUP GLOBAL EQUITY | SHS | 14020R107 |  | 628274 | 19863 | SH |  | SOLE |  | 19863 | 0 | 0 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 3240307 | 72865 | SH |  | SOLE |  | 72865 | 0 | 0 |
| CAPITAL GROUP INTERNATIONAL | SHS | 14021M107 |  | 1291439 | 37089 | SH |  | SOLE |  | 37089 | 0 | 0 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 432376 | 14632 | SH |  | SOLE |  | 14632 | 0 | 0 |
| CAPITAL GRP FIXED INCM ETF T | CORE PLUS INCM | 14020Y102 |  | 7534207 | 332783 | SH |  | SOLE |  | 332783 | 0 | 0 |
| CAPITAL GRP FIXED INCM ETF T | US MULTI-SECTOR | 14020Y300 |  | 502435 | 18191 | SH |  | SOLE |  | 18191 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 250224 | 3579 | SH |  | SOLE |  | 3579 | 0 | 0 |
| COHEN  STEERS REIT  PFD | COM | 19247X100 |  | 340480 | 17144 | SH |  | SOLE |  | 17144 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 224999 | 261 | SH |  | SOLE |  | 261 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 1276163 | 38991 | SH |  | SOLE |  | 38991 | 0 | 0 |
| EA SERIES TRUST | FREEDOM 100 EM | 02072L607 |  | 28661163 | 559024 | SH |  | SOLE |  | 559024 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 353873 | 2941 | SH |  | SOLE |  | 2941 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 17021734 | 369716 | SH |  | SOLE |  | 369716 | 0 | 0 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 3840567 | 75106 | SH |  | SOLE |  | 75106 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 910812 | 9845 | SH |  | SOLE |  | 9845 | 0 | 0 |
| GOLDMAN SACHS ETF TR | S 500 PREMIUM | 38149W622 |  | 1586534 | 30048 | SH |  | SOLE |  | 30048 | 0 | 0 |
| HARRIS OAKMARK ETF TRUST | OAKMARK U S LRG | 41456U106 |  | 3200001 | 112835 | SH |  | SOLE |  | 112835 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 266997 | 776 | SH |  | SOLE |  | 776 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 247381 | 835 | SH |  | SOLE |  | 835 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 16099244 | 63654 | SH |  | SOLE |  | 63654 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S 500 REVENUE | 46138G698 |  | 18990906 | 165859 | SH |  | SOLE |  | 165859 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 15525440 | 81047 | SH |  | SOLE |  | 81047 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S 500 GARP ETF | 46137V431 |  | 1030325 | 9049 | SH |  | SOLE |  | 9049 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1558520 | 14551 | SH |  | SOLE |  | 14551 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 382862 | 5515 | SH |  | SOLE |  | 5515 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 696817 | 6531 | SH |  | SOLE |  | 6531 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 458673 | 2309 | SH |  | SOLE |  | 2309 | 0 | 0 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 482728 | 15592 | SH |  | SOLE |  | 15592 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 682981 | 13503 | SH |  | SOLE |  | 13503 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1668441 | 2436 | SH |  | SOLE |  | 2436 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 303719 | 3485 | SH |  | SOLE |  | 3485 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 202305 | 2104 | SH |  | SOLE |  | 2104 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 692209 | 11910 | SH |  | SOLE |  | 11910 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | HIGH YIELD MUNI | 46654Q799 |  | 1744676 | 34720 | SH |  | SOLE |  | 34720 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | EQUITY FOCUS ETF | 46654Q781 |  | 4759371 | 63724 | SH |  | SOLE |  | 63724 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 2921866 | 57859 | SH |  | SOLE |  | 57859 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 947277 | 18725 | SH |  | SOLE |  | 18725 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 926444 | 20014 | SH |  | SOLE |  | 20014 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | HEDGED EQUITY LA | 46654Q724 |  | 272364 | 4100 | SH |  | SOLE |  | 4100 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 537342 | 8505 | SH |  | SOLE |  | 8505 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 251459 | 1215 | SH |  | SOLE |  | 1215 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 930241 | 2887 | SH |  | SOLE |  | 2887 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 325380 | 1065 | SH |  | SOLE |  | 1065 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1113036 | 2301 | SH |  | SOLE |  | 2301 | 0 | 0 |
| NORTHERN DYNASTY MINERALS LT | COM NEW | 66510M204 |  | 26398 | 13400 | SH |  | SOLE |  | 13400 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 607931 | 3260 | SH |  | SOLE |  | 3260 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 212208 | 1089 | SH |  | SOLE |  | 1089 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 221166 | 1543 | SH |  | SOLE |  | 1543 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 7656697 | 318498 | SH |  | SOLE |  | 318498 | 0 | 0 |
| SCHWAB STRATEGIC TR | MUN BD ETF | 808524649 |  | 2120847 | 82331 | SH |  | SOLE |  | 82331 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 494182 | 21146 | SH |  | SOLE |  | 21146 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 237510 | 9746 | SH |  | SOLE |  | 9746 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 824551 | 30641 | SH |  | SOLE |  | 30641 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 268586 | 8234 | SH |  | SOLE |  | 8234 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 205460 | 7214 | SH |  | SOLE |  | 7214 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 286805 | 10456 | SH |  | SOLE |  | 10456 | 0 | 0 |
| SCM TRUST | SHELTON EQT PRE | 78410K667 |  | 1891899 | 71908 | SH |  | SOLE |  | 71908 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 411250 | 2657 | SH |  | SOLE |  | 2657 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 315892 | 2194 | SH |  | SOLE |  | 2194 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 559420 | 6415 | SH |  | SOLE |  | 6415 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFLI MSCI GBL | 78463X475 |  | 3242811 | 42274 | SH |  | SOLE |  | 42274 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 3988565 | 48346 | SH |  | SOLE |  | 48346 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 42042635 | 524092 | SH |  | SOLE |  | 524092 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 622937 | 10757 | SH |  | SOLE |  | 10757 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 582290 | 12426 | SH |  | SOLE |  | 12426 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A649 |  | 332896 | 12928 | SH |  | SOLE |  | 12928 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R804 |  | 228241 | 1300 | SH |  | SOLE |  | 1300 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R721 |  | 238332 | 5214 | SH |  | SOLE |  | 5214 | 0 | 0 |
| SSGA ACTIVE ETF TR | STATE STREET BLA | 78467V608 |  | 382119 | 9259 | SH |  | SOLE |  | 9259 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 754069 | 1677 | SH |  | SOLE |  | 1677 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 267456 | 2696 | SH |  | SOLE |  | 2696 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 8504752 | 107915 | SH |  | SOLE |  | 107915 | 0 | 0 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 22350701 | 106880 | SH |  | SOLE |  | 106880 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 537923 | 1854 | SH |  | SOLE |  | 1854 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 410079 | 1590 | SH |  | SOLE |  | 1590 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 891694 | 2660 | SH |  | SOLE |  | 2660 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 2428229 | 17214 | SH |  | SOLE |  | 17214 | 0 | 0 |
| VANGUARD MALVERN FDS | CORE BD ETF | 922020748 |  | 22641360 | 290665 | SH |  | SOLE |  | 290665 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1249582 | 5686 | SH |  | SOLE |  | 5686 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 270679 | 1886 | SH |  | SOLE |  | 1886 | 0 | 0 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 34222955 | 136254 | SH |  | SOLE |  | 136254 | 0 | 0 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 669621 | 3619 | SH |  | SOLE |  | 3619 | 0 | 0 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 1573359 | 3812 | SH |  | SOLE |  | 3812 | 0 | 0 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 288426 | 1002 | SH |  | SOLE |  | 1002 | 0 | 0 |
| VICTORY PORTFOLIOS II | VCSHS US SMCP HG | 92647N873 |  | 445450 | 7600 | SH |  | SOLE |  | 7600 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 777463 | 6978 | SH |  | SOLE |  | 6978 | 0 | 0 |

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