# EDGAR Filing Document

**Accession Number:** 0002012773
**File Stem:** 0002012773-26-000001
**Filing Date:** 2026-1
**Character Count:** 7954
**Document Hash:** b2e9ba34ae073d598176b6a493e85f91
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002012773-26-000001.hdr.sgml**: 20260130

**ACCESSION NUMBER**: 0002012773-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260130

**DATE AS OF CHANGE**: 20260130

**EFFECTIVENESS DATE**: 20260130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Wealth Forward, LLC
- **CENTRAL INDEX KEY:** 0002012773

**ORGANIZATION NAME:**
- **EIN:** 921507929
- **STATE OF INCORPORATION:** ND
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23985
- **FILM NUMBER:** 26581912

**BUSINESS ADDRESS:**
- **STREET 1:** 2632 47TH ST S STE 107
- **CITY:** FARGO
- **STATE:** ND
- **ZIP:** 58104
- **BUSINESS PHONE:** 7012935789

**MAIL ADDRESS:**
- **STREET 1:** 2632 47TH ST S STE 107
- **CITY:** FARGO
- **STATE:** ND
- **ZIP:** 58104

### 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:** Wealth Forward LLC<br>**Address:** 2632 47TH ST S STE 107<br>FARGO, ND 58104

**Form 13F File Number:** 028-23985

**CRD Number (if applicable):** 000159467

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:** Stephanie Ternes<br>**Title:** Chief Compliance Officer<br>**Phone:** 701.293.5789

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

Stephanie Ternes  Fargo, ND  01-30-2026<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:** 43

**Form 13F Information Table Value Total:** $177004596

      (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 |
| ALERUS FINL CORP | COM | 01446U103 |  | 1132283 | 50279 | SH |  | SOLE |  | 50279 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 333569 | 1063 | SH |  | SOLE |  | 1063 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 306067 | 1326 | SH |  | SOLE |  | 1326 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 3638031 | 13382 | SH |  | SOLE |  | 13382 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1206360 | 2400 | SH |  | SOLE |  | 2400 | 0 | 0 |
| BNY MELLON ETF TRUST | US LRG CP CORE | 09661T107 |  | 4625833 | 35366 | SH |  | SOLE |  | 35366 | 0 | 0 |
| BNY MELLON ETF TRUST | CORE BOND ETF | 09661T602 |  | 8649769 | 204086 | SH |  | SOLE |  | 204086 | 0 | 0 |
| BNY MELLON ETF TRUST | INTERNATIONL EQT | 09661T404 |  | 6469899 | 69900 | SH |  | SOLE |  | 69900 | 0 | 0 |
| DEVON ENERGY CORP NEW | COM | 25179M103 |  | 256666 | 7007 | SH |  | SOLE |  | 7007 | 0 | 0 |
| DRAFTKINGS INC NEW | COM CL A | 26142V105 |  | 318789 | 9251 | SH |  | SOLE |  | 9251 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 18999050 | 99181 | SH |  | SOLE |  | 99181 | 0 | 0 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 |  | 5632170 | 86635 | SH |  | SOLE |  | 86635 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 10791531 | 204076 | SH |  | SOLE |  | 204076 | 0 | 0 |
| ISHARES TR | MORNINGSTR US EQ | 464287127 |  | 9274197 | 98264 | SH |  | SOLE |  | 98264 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 10187326 | 92688 | SH |  | SOLE |  | 92688 | 0 | 0 |
| ISHARES TR | S 100 ETF | 464287101 |  | 20315895 | 59235 | SH |  | SOLE |  | 59235 | 0 | 0 |
| ISHARES TR | CORE 40/60 MODER | 464289875 |  | 535674 | 11223 | SH |  | SOLE |  | 11223 | 0 | 0 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 2331963 | 26038 | SH |  | SOLE |  | 26038 | 0 | 0 |
| ISHARES TR | CORE 30/70 CONSE | 464289883 |  | 618363 | 15409 | SH |  | SOLE |  | 15409 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 212007 | 1720 | SH |  | SOLE |  | 1720 | 0 | 0 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 245798 | 5042 | SH |  | SOLE |  | 5042 | 0 | 0 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 218991 | 2716 | SH |  | SOLE |  | 2716 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 394678 | 7214 | SH |  | SOLE |  | 7214 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 252814 | 2826 | SH |  | SOLE |  | 2826 | 0 | 0 |
| ISHARES TR | U.S. FIN SVC ETF | 464287770 |  | 291971 | 3165 | SH |  | SOLE |  | 3165 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 323444 | 490 | SH |  | SOLE |  | 490 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1563060 | 3232 | SH |  | SOLE |  | 3232 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 537307 | 2881 | SH |  | SOLE |  | 2881 | 0 | 0 |
| OTTER TAIL CORP | COM | 689648103 |  | 342473 | 4238 | SH |  | SOLE |  | 4238 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 6357471 | 176303 | SH |  | SOLE |  | 176303 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 14924156 | 548481 | SH |  | SOLE |  | 548481 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 |  | 18513568 | 587546 | SH |  | SOLE |  | 587546 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 258511 | 5718 | SH |  | SOLE |  | 5718 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R606 |  | 5473737 | 231252 | SH |  | SOLE |  | 231252 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A698 |  | 352113 | 5433 | SH |  | SOLE |  | 5433 | 0 | 0 |
| TARGET CORP | COM | 87612E106 |  | 338117 | 3459 | SH |  | SOLE |  | 3459 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 292768 | 651 | SH |  | SOLE |  | 651 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 338363 | 1025 | SH |  | SOLE |  | 1025 | 0 | 0 |
| US BANCORP DEL | COM NEW | 902973304 |  | 1919092 | 35965 | SH |  | SOLE |  | 35965 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 709369 | 9001 | SH |  | SOLE |  | 9001 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 327224 | 976 | SH |  | SOLE |  | 976 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 901186 | 1437 | SH |  | SOLE |  | 1437 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 16292943 | 260812 | SH |  | SOLE |  | 260812 | 0 | 0 |

---