# EDGAR Filing Document

**Accession Number:** 0001914395
**File Stem:** 0001951757-25-001026
**Filing Date:** 2025-8
**Character Count:** 9219
**Document Hash:** 5851378a3e406b953d010f16a9e2f271
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001026.hdr.sgml**: 20250805

**ACCESSION NUMBER**: 0001951757-25-001026

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250805

**DATE AS OF CHANGE**: 20250804

**EFFECTIVENESS DATE**: 20250805

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Summit Investment Advisory Services, LLC
- **CENTRAL INDEX KEY:** 0001914395

**ORGANIZATION NAME:**
- **EIN:** 463724686
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22794
- **FILM NUMBER:** 251181830

**BUSINESS ADDRESS:**
- **STREET 1:** 3065 CENTRE POINTE DRIVE
- **STREET 2:** SUITE 2
- **CITY:** ROSEVILLE
- **STATE:** MN
- **ZIP:** 55113
- **BUSINESS PHONE:** (651) 490-2939

**MAIL ADDRESS:**
- **STREET 1:** 3065 CENTRE POINTE DRIVE
- **STREET 2:** SUITE 2
- **CITY:** ROSEVILLE
- **STATE:** MN
- **ZIP:** 55113

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Summit Investment Advisory Services LLC<br>**Address:** 3065 CENTRE POINTE DRIVE<br>SUITE 2<br>ROSEVILLE, MN 55113

**Form 13F File Number:** 028-22794

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:** Chris Schurmann<br>**Title:** Chief Compliance Officer<br>**Phone:** (651) 490-2939

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

Chris Schurmann  Roseville, MN  08-04-2025<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:** 53

**Form 13F Information Table Value Total:** $117821730

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 629430 | 2869 | SH |  | SOLE |  | 0 | 0 | 2869 |
| APPLE INC | COM | 037833100 |  | 1238098 | 6034 | SH |  | SOLE |  | 0 | 0 | 6034 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 930060 | 6245 | SH |  | SOLE |  | 0 | 0 | 6245 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 363750 | 367 | SH |  | SOLE |  | 0 | 0 | 367 |
| FIRST TR EXCHANGE-TRADED FD | DOW 30 EQL WGT | 33733A201 |  | 2999639 | 78258 | SH |  | SOLE |  | 0 | 0 | 78258 |
| FIRST TR EXCHANGE-TRADED FD | SENIOR LN FD | 33738D309 |  | 888872 | 19370 | SH |  | SOLE |  | 0 | 0 | 19370 |
| FRANKLIN TEMPLETON ETF TR | SENIOR LOAN ETF | 35473P595 |  | 4271092 | 176273 | SH |  | SOLE |  | 0 | 0 | 176273 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 HG | 46138J395 |  | 1738470 | 80784 | SH |  | SOLE |  | 0 | 0 | 80784 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 28 HYCORP | 46138J452 |  | 2490061 | 112928 | SH |  | SOLE |  | 0 | 0 | 112928 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 439744 | 23516 | SH |  | SOLE |  | 0 | 0 | 23516 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2027 | 46138J585 |  | 2493045 | 109801 | SH |  | SOLE |  | 0 | 0 | 109801 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 6424411 | 275372 | SH |  | SOLE |  | 0 | 0 | 275372 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 590474 | 28818 | SH |  | SOLE |  | 0 | 0 | 28818 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 8423361 | 428670 | SH |  | SOLE |  | 0 | 0 | 428670 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 4898359 | 250941 | SH |  | SOLE |  | 0 | 0 | 250941 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 HY | 46138J817 |  | 11297192 | 489692 | SH |  | SOLE |  | 0 | 0 | 489692 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 1026083 | 49617 | SH |  | SOLE |  | 0 | 0 | 49617 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 617152 | 2718 | SH |  | SOLE |  | 0 | 0 | 2718 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 4457865 | 8081 | SH |  | SOLE |  | 0 | 0 | 8081 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 2943292 | 16195 | SH |  | SOLE |  | 0 | 0 | 16195 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 656914 | 31401 | SH |  | SOLE |  | 0 | 0 | 31401 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 465437 | 10789 | SH |  | SOLE |  | 0 | 0 | 10789 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 568991 | 6816 | SH |  | SOLE |  | 0 | 0 | 6816 |
| ISHARES TR | HIGH YLD SYSTM B | 46435G250 |  | 380645 | 8018 | SH |  | SOLE |  | 0 | 0 | 8018 |
| ISHARES TR | IBONDS DEC25 ETF | 46434VBD1 |  | 516117 | 20497 | SH |  | SOLE |  | 0 | 0 | 20497 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 4465544 | 184146 | SH |  | SOLE |  | 0 | 0 | 184146 |
| ISHARES TR | IBONDS 25 TRM HG | 46435U168 |  | 1264727 | 54385 | SH |  | SOLE |  | 0 | 0 | 54385 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 6312059 | 260076 | SH |  | SOLE |  | 0 | 0 | 260076 |
| ISHARES TR | IBONDS 29 TR HI | 46436E379 |  | 1830615 | 77274 | SH |  | SOLE |  | 0 | 0 | 77274 |
| ISHARES TR | IBONDS 28 TR HI | 46436E387 |  | 2286997 | 96377 | SH |  | SOLE |  | 0 | 0 | 96377 |
| ISHARES TR | IBONDS 2027 TERM | 46436E478 |  | 2100166 | 93176 | SH |  | SOLE |  | 0 | 0 | 93176 |
| ISHARES TR | IBONDS 2026 TERM | 46436E528 |  | 6909312 | 297431 | SH |  | SOLE |  | 0 | 0 | 297431 |
| ISHARES U S ETF TR | IT RT HDG HGYL | 46431W606 |  | 1231382 | 14231 | SH |  | SOLE |  | 0 | 0 | 14231 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 236084 | 1702 | SH |  | SOLE |  | 0 | 0 | 1702 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 1462320 | 15900 | SH |  | SOLE |  | 0 | 0 | 15900 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 3763724 | 19378 | SH |  | SOLE |  | 0 | 0 | 19378 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 8456579 | 19918 | SH |  | SOLE |  | 0 | 0 | 19918 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 6113901 | 18005 | SH |  | SOLE |  | 0 | 0 | 18005 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 294108 | 1956 | SH |  | SOLE |  | 0 | 0 | 1956 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 259639 | 1955 | SH |  | SOLE |  | 0 | 0 | 1955 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 319926 | 6504 | SH |  | SOLE |  | 0 | 0 | 6504 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 773315 | 15238 | SH |  | SOLE |  | 0 | 0 | 15238 |
| LPL FINL HLDGS INC | COM | 50212V100 |  | 430184 | 1147 | SH |  | SOLE |  | 0 | 0 | 1147 |
| MICROSOFT CORP | COM | 594918104 |  | 682399 | 1372 | SH |  | SOLE |  | 0 | 0 | 1372 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 467871 | 2961 | SH |  | SOLE |  | 0 | 0 | 2961 |
| PRICE T ROWE GROUP INC | COM | 74144T108 |  | 270200 | 2800 | SH |  | SOLE |  | 0 | 0 | 2800 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 244963 | 1538 | SH |  | SOLE |  | 0 | 0 | 1538 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 1688548 | 17714 | SH |  | SOLE |  | 0 | 0 | 17714 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 1700301 | 32486 | SH |  | SOLE |  | 0 | 0 | 32486 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 344787 | 558 | SH |  | SOLE |  | 0 | 0 | 558 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 231137 | 527 | SH |  | SOLE |  | 0 | 0 | 527 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 493291 | 868 | SH |  | SOLE |  | 0 | 0 | 868 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1439097 | 4735 | SH |  | SOLE |  | 0 | 0 | 4735 |

---