# EDGAR Filing Document

**Accession Number:** 0002110646
**File Stem:** 0001172661-26-001309
**Filing Date:** 2026-2
**Character Count:** 11687
**Document Hash:** 1f515f21e68b22a7469650ab84af1c71
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-001309.hdr.sgml**: 20260218

**ACCESSION NUMBER**: 0001172661-26-001309

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260218

**DATE AS OF CHANGE**: 20260218

**EFFECTIVENESS DATE**: 20260218

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Andrews Advisory Associates, LLC
- **CENTRAL INDEX KEY:** 0002110646

**ORGANIZATION NAME:**
- **EIN:** 990336685
- **STATE OF INCORPORATION:** HI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26649
- **FILM NUMBER:** 26649818

**BUSINESS ADDRESS:**
- **STREET 1:** 1003 BISHOP STREET #1808
- **CITY:** HONOLULU
- **STATE:** HI
- **ZIP:** 96813
- **BUSINESS PHONE:** 8085214015

**MAIL ADDRESS:**
- **STREET 1:** 1003 BISHOP STREET #1808
- **CITY:** HONOLULU
- **STATE:** HI
- **ZIP:** 96813

### 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:** Andrews Advisory Associates LLC<br>**Address:** 1003 BISHOP STREET #1808<br>HONOLULU, HI 96813

**Form 13F File Number:** 028-26649

**CRD Number (if applicable):** 000118957

**SEC File Number (if applicable):** 801-66553

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:** Christina June Brown<br>**Title:** Chief Compliance Officer<br>**Phone:** 808-521-4015

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

s/ Christina June Brown  Honolulu, HI  02-18-2026<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:** 81

**Form 13F Information Table Value Total:** $188108485

      (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 |  | 439132 | 3505 | SH |  | SOLE |  | 0 | 0 | 3505 |
| ABBVIE INC | COM | 00287Y109 |  | 257903 | 1129 | SH |  | SOLE |  | 0 | 0 | 1129 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 469010 | 2190 | SH |  | SOLE |  | 0 | 0 | 2190 |
| AFLAC INC | COM | 001055102 |  | 465324 | 4220 | SH |  | SOLE |  | 0 | 0 | 4220 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 1108900 | 4489 | SH |  | SOLE |  | 0 | 0 | 4489 |
| ALLSTATE CORP | COM | 020002101 |  | 1099032 | 5280 | SH |  | SOLE |  | 0 | 0 | 5280 |
| AMAZON COM INC | COM | 023135106 |  | 230820 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 2753420 | 35749 | SH |  | SOLE |  | 0 | 0 | 35749 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 5232165 | 51306 | SH |  | SOLE |  | 0 | 0 | 51306 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 329194 | 1875 | SH |  | SOLE |  | 0 | 0 | 1875 |
| APPLE INC | COM | 037833100 |  | 5326284 | 19592 | SH |  | SOLE |  | 0 | 0 | 19592 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 1431851 | 5566 | SH |  | SOLE |  | 0 | 0 | 5566 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 252695 | 1302 | SH |  | SOLE |  | 0 | 0 | 1302 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 700191 | 1393 | SH |  | SOLE |  | 0 | 0 | 1393 |
| BROADCOM INC | COM | 11135F101 |  | 967168 | 2794 | SH |  | SOLE |  | 0 | 0 | 2794 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1982148 | 13005 | SH |  | SOLE |  | 0 | 0 | 13005 |
| COCA COLA CO | COM | 191216100 |  | 297595 | 4257 | SH |  | SOLE |  | 0 | 0 | 4257 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 570451 | 19085 | SH |  | SOLE |  | 0 | 0 | 19085 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1356079 | 1573 | SH |  | SOLE |  | 0 | 0 | 1573 |
| DISNEY WALT CO | COM | 254687106 |  | 1274705 | 11204 | SH |  | SOLE |  | 0 | 0 | 11204 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1559294 | 12957 | SH |  | SOLE |  | 0 | 0 | 12957 |
| FEDEX CORP | COM | 31428X106 |  | 1303541 | 4513 | SH |  | SOLE |  | 0 | 0 | 4513 |
| FIDELITY COVINGTON TRUST | ENHANCED INTL | 31609A404 |  | 7532346 | 205914 | SH |  | SOLE |  | 0 | 0 | 205914 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 23735513 | 515541 | SH |  | SOLE |  | 0 | 0 | 515541 |
| GE AEROSPACE | COM NEW | 369604301 |  | 463585 | 1505 | SH |  | SOLE |  | 0 | 0 | 1505 |
| GE VERNOVA INC | COM | 36828A101 |  | 213064 | 326 | SH |  | SOLE |  | 0 | 0 | 326 |
| GOLDMAN SACHS ETF TR | ULTRA SHORT BOND | 381430230 |  | 16373467 | 324420 | SH |  | SOLE |  | 0 | 0 | 324420 |
| INTUIT | COM | 461202103 |  | 490191 | 740 | SH |  | SOLE |  | 0 | 0 | 740 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1354565 | 16688 | SH |  | SOLE |  | 0 | 0 | 16688 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 694931 | 6923 | SH |  | SOLE |  | 0 | 0 | 6923 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 338895 | 3784 | SH |  | SOLE |  | 0 | 0 | 3784 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 548130 | 8305 | SH |  | SOLE |  | 0 | 0 | 8305 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 370875 | 3086 | SH |  | SOLE |  | 0 | 0 | 3086 |
| ISHARES TR | CORE S ETF | 464287200 |  | 772612 | 1128 | SH |  | SOLE |  | 0 | 0 | 1128 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 201407 | 3536 | SH |  | SOLE |  | 0 | 0 | 3536 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 470841 | 3160 | SH |  | SOLE |  | 0 | 0 | 3160 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 579894 | 3436 | SH |  | SOLE |  | 0 | 0 | 3436 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 343787 | 3580 | SH |  | SOLE |  | 0 | 0 | 3580 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 8266206 | 178574 | SH |  | SOLE |  | 0 | 0 | 178574 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1549812 | 7489 | SH |  | SOLE |  | 0 | 0 | 7489 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1542627 | 4787 | SH |  | SOLE |  | 0 | 0 | 4787 |
| KROGER CO | COM | 501044101 |  | 468787 | 7503 | SH |  | SOLE |  | 0 | 0 | 7503 |
| LOWES COS INC | COM | 548661107 |  | 1605269 | 6656 | SH |  | SOLE |  | 0 | 0 | 6656 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 746140 | 1307 | SH |  | SOLE |  | 0 | 0 | 1307 |
| MCDONALDS CORP | COM | 580135101 |  | 1553243 | 5082 | SH |  | SOLE |  | 0 | 0 | 5082 |
| META PLATFORMS INC | CL A | 30303M102 |  | 345954 | 524 | SH |  | SOLE |  | 0 | 0 | 524 |
| MICROSOFT CORP | COM | 594918104 |  | 3181011 | 6578 | SH |  | SOLE |  | 0 | 0 | 6578 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 1340204 | 16694 | SH |  | SOLE |  | 0 | 0 | 16694 |
| NIKE INC | CL B | 654106103 |  | 1189224 | 18666 | SH |  | SOLE |  | 0 | 0 | 18666 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 1425633 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 7060637 | 37859 | SH |  | SOLE |  | 0 | 0 | 37859 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 894083 | 5030 | SH |  | SOLE |  | 0 | 0 | 5030 |
| PEPSICO INC | COM | 713448108 |  | 1047840 | 7301 | SH |  | SOLE |  | 0 | 0 | 7301 |
| PIEDMONT REALTY TRUST INC | COM CL A | 720190206 |  | 116560 | 13976 | SH |  | SOLE |  | 0 | 0 | 13976 |
| PRICE T ROWE GROUP INC | COM | 74144T108 |  | 1179786 | 11524 | SH |  | SOLE |  | 0 | 0 | 11524 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 |  | 326955 | 3142 | SH |  | SOLE |  | 0 | 0 | 3142 |
| PUTNAM ETF TRUST | FRANKLIN MUNI | 746729797 |  | 367040 | 46966 | SH |  | SOLE |  | 0 | 0 | 46966 |
| QUALCOMM INC | COM | 747525103 |  | 420245 | 2457 | SH |  | SOLE |  | 0 | 0 | 2457 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 5786660 | 210961 | SH |  | SOLE |  | 0 | 0 | 210961 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 2314960 | 52127 | SH |  | SOLE |  | 0 | 0 | 52127 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 414273 | 2977 | SH |  | SOLE |  | 0 | 0 | 2977 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 5428694 | 65802 | SH |  | SOLE |  | 0 | 0 | 65802 |
| STRYKER CORPORATION | COM | 863667101 |  | 812647 | 2312 | SH |  | SOLE |  | 0 | 0 | 2312 |
| TEXAS INSTRS INC | COM | 882508104 |  | 1523514 | 8782 | SH |  | SOLE |  | 0 | 0 | 8782 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 958184 | 2903 | SH |  | SOLE |  | 0 | 0 | 2903 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 5377072 | 48095 | SH |  | SOLE |  | 0 | 0 | 48095 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 2468809 | 27899 | SH |  | SOLE |  | 0 | 0 | 27899 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4975411 | 14840 | SH |  | SOLE |  | 0 | 0 | 14840 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 24561660 | 39165 | SH |  | SOLE |  | 0 | 0 | 39165 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 1162322 | 15801 | SH |  | SOLE |  | 0 | 0 | 15801 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 1667247 | 11819 | SH |  | SOLE |  | 0 | 0 | 11819 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 231988 | 4613 | SH |  | SOLE |  | 0 | 0 | 4613 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 2477003 | 11270 | SH |  | SOLE |  | 0 | 0 | 11270 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4281478 | 68537 | SH |  | SOLE |  | 0 | 0 | 68537 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 1244910 | 8674 | SH |  | SOLE |  | 0 | 0 | 8674 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 653184 | 5400 | SH |  | SOLE |  | 0 | 0 | 5400 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 421785 | 10356 | SH |  | SOLE |  | 0 | 0 | 10356 |
| VISA INC | COM CL A | 92826C839 |  | 1326365 | 3782 | SH |  | SOLE |  | 0 | 0 | 3782 |
| WALMART INC | COM | 931142103 |  | 266608 | 2393 | SH |  | SOLE |  | 0 | 0 | 2393 |
| WISDOMTREE TR | INDIA ERNGS FD | 97717W422 |  | 226173 | 4886 | SH |  | SOLE |  | 0 | 0 | 4886 |
| WW GRAINGER INC | COM | 384802104 |  | 1009277 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |

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