# EDGAR Filing Document

**Accession Number:** 0002077991
**File Stem:** 0002077991-26-000003
**Filing Date:** 2026-3
**Character Count:** 10964
**Document Hash:** ab0f0499b5ec8f0486e2fcc224d477a2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002077991-26-000003.hdr.sgml**: 20260304

**ACCESSION NUMBER**: 0002077991-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260304

**DATE AS OF CHANGE**: 20260304

**EFFECTIVENESS DATE**: 20260304

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Valpey Financial Services, LLC
- **CENTRAL INDEX KEY:** 0002077991

**ORGANIZATION NAME:**
- **EIN:** 272446226
- **STATE OF INCORPORATION:** NH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25663
- **FILM NUMBER:** 26720548

**BUSINESS ADDRESS:**
- **STREET 1:** 100 N MAIN ST
- **STREET 2:** #500
- **CITY:** CONCORD
- **STATE:** NH
- **ZIP:** 03301
- **BUSINESS PHONE:** (603) 856-7945

**MAIL ADDRESS:**
- **STREET 1:** 100 N MAIN ST
- **STREET 2:** #500
- **CITY:** CONCORD
- **STATE:** NH
- **ZIP:** 03301

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [x] **Amendment Number:** 1

**This Amendment (Check only one.):** [x] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Valpey Financial Services LLC<br>**Address:** 100 N MAIN ST

#500<br>CONCORD, NH 03301

**Form 13F File Number:** 028-25663

**CRD Number (if applicable):** 000154154

**SEC File Number (if applicable):** 801-118576

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:** Ronald L. Valpey<br>**Title:** Chief Compliance Officer<br>**Phone:** 603-856-7945

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

Ronald L. Valpey  Concord, NH  03-04-2026<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:** 72

**Form 13F Information Table Value Total:** $156631755

      (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 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 8389106 | 43924 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 8168795 | 16744 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 8003802 | 245365 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 6751430 | 139723 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 6251249 | 211120 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 6042749 | 80100 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 5519424 | 75033 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 5507040 | 124004 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 5317481 | 221193 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 5246793 | 215297 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 5236930 | 70702 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 4859594 | 61662 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 4423038 | 15240 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 4270098 | 20162 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 4224671 | 140495 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 3749009 | 160420 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 3638749 | 127765 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 3525312 | 20991 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 3458565 | 37471 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 2962216 | 28888 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | TOTAL CORP BND | 92206C573 |  | 2875950 | 37042 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 2872830 | 28763 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 2476445 | 117926 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 2428978 | 22100 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 2304632 | 20614 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 2133308 | 37552 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 2101246 | 18937 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2091588 | 21781 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 1970938 | 74403 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 1737121 | 14268 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1698870 | 25740 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1613297 | 2366 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1492813 | 27768 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1405019 | 11691 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 1114004 | 13451 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 1100644 | 22008 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1073064 | 9436 | SH |  | SOLE |  | 0 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1027590 | 2125 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 983739 | 15747 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 960434 | 11644 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 954531 | 3700 | SH |  | SOLE |  | 0 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 867007 | 2927 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 814448 | 14064 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 808286 | 16218 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 744033 | 12669 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 712286 | 5779 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 704360 | 2101 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 689133 | 6459 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 642032 | 13795 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 628449 | 5705 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 623189 | 2939 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 587643 | 12540 | SH |  | SOLE |  | 0 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 476400 | 3959 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 475909 | 5623 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | MORNINGSTAR GRWT | 464287119 |  | 474901 | 4565 | SH |  | SOLE |  | 0 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCESS INVT GR | 381430479 |  | 472577 | 10218 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE 30/70 CONSE | 464289883 |  | 460161 | 11467 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 |  | 438466 | 6745 | SH |  | SOLE |  | 0 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 437253 | 1357 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 358467 | 4280 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 356868 | 754 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 354415 | 4962 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R200 |  | 333542 | 10854 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 320743 | 12789 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 318321 | 1017 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 286785 | 3202 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 230932 | 2965 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 219181 | 320 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 212101 | 3155 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 211725 | 1007 | SH |  | SOLE |  | 0 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 208746 | 1070 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 200304 | 3788 | SH |  | SOLE |  | 0 | 0 | 0 |

---