# EDGAR Filing Document

**Accession Number:** 0001722283
**File Stem:** 0001722283-26-000001
**Filing Date:** 2026-1
**Character Count:** 10058
**Document Hash:** 8d03d4322b34c7d10cb81339c418d4ff
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001722283-26-000001.hdr.sgml**: 20260114

**ACCESSION NUMBER**: 0001722283-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260114

**DATE AS OF CHANGE**: 20260114

**EFFECTIVENESS DATE**: 20260114

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Fluent Financial, LLC
- **CENTRAL INDEX KEY:** 0001722283

**ORGANIZATION NAME:**
- **EIN:** 262879121
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18361
- **FILM NUMBER:** 26531929

**BUSINESS ADDRESS:**
- **STREET 1:** 14800 LANDMARK BLVD
- **STREET 2:** SUITE 848
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75254
- **BUSINESS PHONE:** 972-852-4800

**MAIL ADDRESS:**
- **STREET 1:** 14800 LANDMARK BLVD
- **STREET 2:** SUITE 848
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75254

### 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:** Fluent Financial LLC<br>**Address:** 14800 LANDMARK BLVD<br>SUITE 848<br>DALLAS, TX 75254

**Form 13F File Number:** 028-18361

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:** Mitchell Kramer<br>**Title:** Chief Compliance Officer<br>**Phone:** 972-852-4800

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

/s/Mitchell Kramer  Dallas, TX  01-14-2026<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:** 57

**Form 13F Information Table Value Total:** $262414566

      (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 |
| AB ACTIVE ETFS INC | TAX AWARE SHRT | 00039J202 | BBG0184H3201 | 2017909 | 80044 | SH |  | SOLE |  | 0 | 0 | 80044 |
| ADVANCE AUTO PARTS INC | COM | 00751Y106 | BBG001SD2SB2 | 6227714 | 158466 | SH |  | SOLE |  | 0 | 0 | 158466 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 310348 | 989 | SH |  | SOLE |  | 0 | 0 | 989 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 940578 | 3460 | SH |  | SOLE |  | 0 | 0 | 3460 |
| BIOGEN INC | COM | 09062X103 | BBG001S67826 | 3369153 | 19144 | SH |  | SOLE |  | 0 | 0 | 19144 |
| CINTAS CORP | COM | 172908105 | BBG001S7CRG1 | 792151 | 4212 | SH |  | SOLE |  | 0 | 0 | 4212 |
| COOPER COS INC | COM | 216648501 | BBG001S5Q1H6 | 3517477 | 42917 | SH |  | SOLE |  | 0 | 0 | 42917 |
| DOLLAR GEN CORP NEW | COM | 256677105 | BBG001T5BM30 | 2760952 | 20795 | SH |  | SOLE |  | 0 | 0 | 20795 |
| ECOLAB INC | COM | 278865100 | BBG001S5QRB5 | 2119324 | 8073 | SH |  | SOLE |  | 0 | 0 | 8073 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 588925 | 4894 | SH |  | SOLE |  | 0 | 0 | 4894 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 | BBG001V18CG8 | 2278369 | 31901 | SH |  | SOLE |  | 0 | 0 | 31901 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 7430421 | 38789 | SH |  | SOLE |  | 0 | 0 | 38789 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 4251640 | 6921 | SH |  | SOLE |  | 0 | 0 | 6921 |
| ISHARES INC | MSCI ITALY ETF | 46434G830 | BBG001S8SYM0 | 1721120 | 31679 | SH |  | SOLE |  | 0 | 0 | 31679 |
| ISHARES INC | MSCI MEXICO ETF | 464286822 | BBG001S8SYQ6 | 1707321 | 24626 | SH |  | SOLE |  | 0 | 0 | 24626 |
| ISHARES INC | MSCI MLY ETF NEW | 46434G814 | BBG001S8SYP7 | 1821000 | 66557 | SH |  | SOLE |  | 0 | 0 | 66557 |
| ISHARES TR | AGENCY BOND ETF | 464288166 | BBG001T2RRQ4 | 4229300 | 38361 | SH |  | SOLE |  | 0 | 0 | 38361 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 3751770 | 56845 | SH |  | SOLE |  | 0 | 0 | 56845 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 3690007 | 30704 | SH |  | SOLE |  | 0 | 0 | 30704 |
| ISHARES TR | MSCI ACWI EX US | 464288240 | BBG001S56R18 | 3190823 | 47532 | SH |  | SOLE |  | 0 | 0 | 47532 |
| ISHARES TR | MSCI DENMARK ETF | 46429B523 | BBG002DW4Q17 | 823384 | 7193 | SH |  | SOLE |  | 0 | 0 | 7193 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 21610495 | 225039 | SH |  | SOLE |  | 0 | 0 | 225039 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 | BBG001SK77D5 | 15453715 | 282466 | SH |  | SOLE |  | 0 | 0 | 282466 |
| ISHARES TR | MSCI EURO FL ETF | 464289180 | BBG001T6MGZ4 | 1772123 | 47779 | SH |  | SOLE |  | 0 | 0 | 47779 |
| ISHARES TR | MSCI POLAND ETF | 46429B606 | BBG001S56L11 | 2516120 | 71501 | SH |  | SOLE |  | 0 | 0 | 71501 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 287282 | 3051 | SH |  | SOLE |  | 0 | 0 | 3051 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 3904671 | 19659 | SH |  | SOLE |  | 0 | 0 | 19659 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 11853835 | 48155 | SH |  | SOLE |  | 0 | 0 | 48155 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 | BBG001SFC7Z6 | 421667 | 1090 | SH |  | SOLE |  | 0 | 0 | 1090 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 | BBG00GP26NW0 | 14453310 | 285695 | SH |  | SOLE |  | 0 | 0 | 285695 |
| LAMB WESTON HLDGS INC | COM | 513272104 | BBG003CVMLR1 | 1524838 | 36401 | SH |  | SOLE |  | 0 | 0 | 36401 |
| LAUDER ESTEE COS INC | CL A | 518439104 | BBG001S8L5H6 | 4884246 | 46641 | SH |  | SOLE |  | 0 | 0 | 46641 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 242624 | 425 | SH |  | SOLE |  | 0 | 0 | 425 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 6723005 | 63870 | SH |  | SOLE |  | 0 | 0 | 63870 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 10663094 | 16154 | SH |  | SOLE |  | 0 | 0 | 16154 |
| MORNINGSTAR INC | COM | 617700109 | BBG001SC6FV6 | 2540571 | 11691 | SH |  | SOLE |  | 0 | 0 | 11691 |
| NEW YORK LIFE INVTS ACTIVE E | NYLI MACKAY MUNI | 45409F843 | BBG00HZ6Q4L0 | 4568757 | 190842 | SH |  | SOLE |  | 0 | 0 | 190842 |
| NOBLE CORP PLC | ORD SHS A | G65431127 | BBG018KBK3H7 | 2687629 | 95171 | SH |  | SOLE |  | 0 | 0 | 95171 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 243756 | 1307 | SH |  | SOLE |  | 0 | 0 | 1307 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 6337269 | 44156 | SH |  | SOLE |  | 0 | 0 | 44156 |
| ROKU INC | COM CL A | 77543R102 | BBG001ZZPQM2 | 1379342 | 12714 | SH |  | SOLE |  | 0 | 0 | 12714 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 255476 | 1393 | SH |  | SOLE |  | 0 | 0 | 1393 |
| RYAN SPECIALTY HOLDINGS INC | CL A | 78351F107 | BBG011K4W1Y0 | 1434488 | 27784 | SH |  | SOLE |  | 0 | 0 | 27784 |
| SEADRILL LTD | COM | G7997W102 | BBG015K887C0 | 2360343 | 68218 | SH |  | SOLE |  | 0 | 0 | 68218 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 | BBG001S7T107 | 6940475 | 89347 | SH |  | SOLE |  | 0 | 0 | 89347 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 | BBG001S7SCQ6 | 2270761 | 14669 | SH |  | SOLE |  | 0 | 0 | 14669 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 | BBG001S7TD56 | 10432411 | 244376 | SH |  | SOLE |  | 0 | 0 | 244376 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 3871260 | 5677 | SH |  | SOLE |  | 0 | 0 | 5677 |
| THE CAMPBELLS COMPANY | COM | 134429109 | BBG001S5Q2B0 | 6173372 | 221506 | SH |  | SOLE |  | 0 | 0 | 221506 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 | BBG001SDGSH1 | 6741845 | 67969 | SH |  | SOLE |  | 0 | 0 | 67969 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 290361 | 463 | SH |  | SOLE |  | 0 | 0 | 463 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 3558707 | 16803 | SH |  | SOLE |  | 0 | 0 | 16803 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 3683627 | 12193 | SH |  | SOLE |  | 0 | 0 | 12193 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 | BBG001SHTV18 | 6693399 | 80055 | SH |  | SOLE |  | 0 | 0 | 80055 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 205521 | 1432 | SH |  | SOLE |  | 0 | 0 | 1432 |
| VANGUARD WORLD FD | EXTENDED DUR | 921910709 | BBG001SV5CV2 | 34443273 | 529815 | SH |  | SOLE |  | 0 | 0 | 529815 |
| WINGSTOP INC | COM | 974155103 | BBG008N298X9 | 1451212 | 6085 | SH |  | SOLE |  | 0 | 0 | 6085 |

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