# EDGAR Filing Document

**Accession Number:** 0002105933
**File Stem:** 0002105933-26-000003
**Filing Date:** 2026-1
**Character Count:** 12984
**Document Hash:** 64a7b9f6cea31b0d2416cc8a8ced7989
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002105933-26-000003.hdr.sgml**: 20260120

**ACCESSION NUMBER**: 0002105933-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260120

**DATE AS OF CHANGE**: 20260116

**EFFECTIVENESS DATE**: 20260120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ASL Financial, LLC
- **CENTRAL INDEX KEY:** 0002105933

**ORGANIZATION NAME:**
- **EIN:** 770511539
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25928
- **FILM NUMBER:** 26540690

**BUSINESS ADDRESS:**
- **STREET 1:** 987 UNIVERSITY AVENUE
- **STREET 2:** SUITE 8
- **CITY:** LOS GATOS
- **STATE:** CA
- **ZIP:** 95032
- **BUSINESS PHONE:** 408-283-7256

**MAIL ADDRESS:**
- **STREET 1:** 987 UNIVERSITY AVENUE
- **STREET 2:** SUITE 8
- **CITY:** LOS GATOS
- **STATE:** CA
- **ZIP:** 95032

### 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:** ASL Financial LLC<br>**Address:** 987 University Avenue<br>Suite 8<br>Los Gatos, CA 95032

**Form 13F File Number:** 028-25928

**CRD Number (if applicable):** 000115479

**SEC File Number (if applicable):** 801-121203

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:** Renee Snow<br>**Title:** Managing Member / CCO<br>**Phone:** 408-283-7256

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

/s/Renee Snow  Los Gatos, CA  01-16-2026<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:** 94

**Form 13F Information Table Value Total:** $127274596

      (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 |  | 369480 | 2949 | SH |  | SOLE |  | 0 | 0 | 2949 |
| ABBVIE INC | COM | 00287Y109 |  | 592475 | 2593 | SH |  | SOLE |  | 0 | 0 | 2593 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 302180 | 1411 | SH |  | SOLE |  | 0 | 0 | 1411 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 763720 | 2440 | SH |  | SOLE |  | 0 | 0 | 2440 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 685178 | 2183 | SH |  | SOLE |  | 0 | 0 | 2183 |
| AMAZON COM INC | COM | 023135106 |  | 646296 | 2800 | SH |  | SOLE |  | 0 | 0 | 2800 |
| AMGEN INC | COM | 031162100 |  | 703717 | 2150 | SH |  | SOLE |  | 0 | 0 | 2150 |
| APPLE INC | COM | 037833100 |  | 5115318 | 18816 | SH |  | SOLE |  | 0 | 0 | 18816 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2991773 | 5952 | SH |  | SOLE |  | 0 | 0 | 5952 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 802874 | 13203 | SH |  | SOLE |  | 0 | 0 | 13203 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 531763 | 10077 | SH |  | SOLE |  | 0 | 0 | 10077 |
| CHEVRON CORP NEW | COM | 166764100 |  | 982587 | 6447 | SH |  | SOLE |  | 0 | 0 | 6447 |
| CISCO SYS INC | COM | 17275R102 |  | 221923 | 2881 | SH |  | SOLE |  | 0 | 0 | 2881 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 219027 | 620 | SH |  | SOLE |  | 0 | 0 | 620 |
| CORNING INC | COM | 219350105 |  | 218900 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 416510 | 483 | SH |  | SOLE |  | 0 | 0 | 483 |
| ELI LILLY  CO | COM | 532457108 |  | 1321856 | 1230 | SH |  | SOLE |  | 0 | 0 | 1230 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 258370 | 2147 | SH |  | SOLE |  | 0 | 0 | 2147 |
| FIRST TR EXCH TRADED FD III | CALIF MUN INCM | 33739P863 |  | 365366 | 7410 | SH |  | SOLE |  | 0 | 0 | 7410 |
| FIRST TR EXCH TRADED FD III | PFD SECS INC ETF | 33739E108 |  | 200420 | 11000 | SH |  | SOLE |  | 0 | 0 | 11000 |
| FIRST TR EXCHANGE-TRADED FD | FIRST TR ENH NEW | 33739Q408 |  | 219044 | 3655 | SH |  | SOLE |  | 0 | 0 | 3655 |
| FS CREDIT OPPORTUNITIES CORP | COMMON STOCK | 30290Y101 |  | 122000 | 19365 | SH |  | SOLE |  | 0 | 0 | 19365 |
| HOME DEPOT INC | COM | 437076102 |  | 352398 | 1024 | SH |  | SOLE |  | 0 | 0 | 1024 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 451424 | 1524 | SH |  | SOLE |  | 0 | 0 | 1524 |
| INVESCO ACTIVELY MANAGED EXC | AAA CLO FLTNG RT | 46090A721 |  | 3419305 | 132828 | SH |  | SOLE |  | 0 | 0 | 132828 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 302678 | 16070 | SH |  | SOLE |  | 0 | 0 | 16070 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 297087 | 14050 | SH |  | SOLE |  | 0 | 0 | 14050 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 327293 | 14888 | SH |  | SOLE |  | 0 | 0 | 14888 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 2066932 | 10940 | SH |  | SOLE |  | 0 | 0 | 10940 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 481619 | 784 | SH |  | SOLE |  | 0 | 0 | 784 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2689243 | 31141 | SH |  | SOLE |  | 0 | 0 | 31141 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 768257 | 11429 | SH |  | SOLE |  | 0 | 0 | 11429 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 504376 | 7876 | SH |  | SOLE |  | 0 | 0 | 7876 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 633912 | 6235 | SH |  | SOLE |  | 0 | 0 | 6235 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 237865 | 1993 | SH |  | SOLE |  | 0 | 0 | 1993 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 250920 | 6710 | SH |  | SOLE |  | 0 | 0 | 6710 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 400496 | 6970 | SH |  | SOLE |  | 0 | 0 | 6970 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 583059 | 8399 | SH |  | SOLE |  | 0 | 0 | 8399 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 274955 | 5498 | SH |  | SOLE |  | 0 | 0 | 5498 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 8379327 | 126960 | SH |  | SOLE |  | 0 | 0 | 126960 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 3578555 | 29777 | SH |  | SOLE |  | 0 | 0 | 29777 |
| ISHARES TR | CORE S ETF | 464287200 |  | 12981668 | 18983 | SH |  | SOLE |  | 0 | 0 | 18983 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 3463274 | 74415 | SH |  | SOLE |  | 0 | 0 | 74415 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 214642 | 2149 | SH |  | SOLE |  | 0 | 0 | 2149 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 3393136 | 20464 | SH |  | SOLE |  | 0 | 0 | 20464 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 669508 | 5877 | SH |  | SOLE |  | 0 | 0 | 5877 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 1029804 | 14421 | SH |  | SOLE |  | 0 | 0 | 14421 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 467350 | 3137 | SH |  | SOLE |  | 0 | 0 | 3137 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 322075 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 612561 | 4476 | SH |  | SOLE |  | 0 | 0 | 4476 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 202524 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 256394 | 2680 | SH |  | SOLE |  | 0 | 0 | 2680 |
| ISHARES TR | MBS ETF | 464288588 |  | 976957 | 10260 | SH |  | SOLE |  | 0 | 0 | 10260 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2807876 | 29240 | SH |  | SOLE |  | 0 | 0 | 29240 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 309504 | 3287 | SH |  | SOLE |  | 0 | 0 | 3287 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 263576 | 1053 | SH |  | SOLE |  | 0 | 0 | 1053 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1367697 | 6886 | SH |  | SOLE |  | 0 | 0 | 6886 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1363056 | 3650 | SH |  | SOLE |  | 0 | 0 | 3650 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1412853 | 2985 | SH |  | SOLE |  | 0 | 0 | 2985 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 425024 | 2021 | SH |  | SOLE |  | 0 | 0 | 2021 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 280435 | 2913 | SH |  | SOLE |  | 0 | 0 | 2913 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 3259523 | 13241 | SH |  | SOLE |  | 0 | 0 | 13241 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 663448 | 1715 | SH |  | SOLE |  | 0 | 0 | 1715 |
| ISHARES TR | S 100 ETF | 464287101 |  | 342627 | 999 | SH |  | SOLE |  | 0 | 0 | 999 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 703815 | 5710 | SH |  | SOLE |  | 0 | 0 | 5710 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 672686 | 3172 | SH |  | SOLE |  | 0 | 0 | 3172 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 806756 | 5716 | SH |  | SOLE |  | 0 | 0 | 5716 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 718049 | 3596 | SH |  | SOLE |  | 0 | 0 | 3596 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 244433 | 10616 | SH |  | SOLE |  | 0 | 0 | 10616 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 267379 | 1292 | SH |  | SOLE |  | 0 | 0 | 1292 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 700506 | 2174 | SH |  | SOLE |  | 0 | 0 | 2174 |
| LOWES COS INC | COM | 548661107 |  | 357158 | 1481 | SH |  | SOLE |  | 0 | 0 | 1481 |
| MERCK  CO INC | COM | 58933Y105 |  | 285676 | 2714 | SH |  | SOLE |  | 0 | 0 | 2714 |
| MICROSOFT CORP | COM | 594918104 |  | 1887569 | 3903 | SH |  | SOLE |  | 0 | 0 | 3903 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 569571 | 3054 | SH |  | SOLE |  | 0 | 0 | 3054 |
| PEPSICO INC | COM | 713448108 |  | 206956 | 1442 | SH |  | SOLE |  | 0 | 0 | 1442 |
| PROSHARES TR | HGH YLD INT RATE | 74348A541 |  | 226108 | 3511 | SH |  | SOLE |  | 0 | 0 | 3511 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 |  | 717146 | 6891 | SH |  | SOLE |  | 0 | 0 | 6891 |
| S GLOBAL INC | COM | 78409V104 |  | 226804 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 336739 | 7888 | SH |  | SOLE |  | 0 | 0 | 7888 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 11084258 | 16269 | SH |  | SOLE |  | 0 | 0 | 16269 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A375 |  | 4349116 | 128634 | SH |  | SOLE |  | 0 | 0 | 128634 |
| TESLA INC | COM | 88160R101 |  | 575192 | 1279 | SH |  | SOLE |  | 0 | 0 | 1279 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 223928 | 459 | SH |  | SOLE |  | 0 | 0 | 459 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 209209 | 2382 | SH |  | SOLE |  | 0 | 0 | 2382 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 416414 | 664 | SH |  | SOLE |  | 0 | 0 | 664 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 10348164 | 30865 | SH |  | SOLE |  | 0 | 0 | 30865 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 551770 | 2889 | SH |  | SOLE |  | 0 | 0 | 2889 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 6789438 | 90213 | SH |  | SOLE |  | 0 | 0 | 90213 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 310737 | 4119 | SH |  | SOLE |  | 0 | 0 | 4119 |
| VISA INC | COM CL A | 92826C839 |  | 274255 | 782 | SH |  | SOLE |  | 0 | 0 | 782 |
| WALMART INC | COM | 931142103 |  | 463577 | 4161 | SH |  | SOLE |  | 0 | 0 | 4161 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 579611 | 6219 | SH |  | SOLE |  | 0 | 0 | 6219 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 1035586 | 20580 | SH |  | SOLE |  | 0 | 0 | 20580 |

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