# EDGAR Filing Document

**Accession Number:** 0002045974
**File Stem:** 0001085146-25-003778
**Filing Date:** 2025-7
**Character Count:** 12705
**Document Hash:** c1d97fcc973e7ef016b43d3aa9e7f295
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-25-003778.hdr.sgml**: 20250714

**ACCESSION NUMBER**: 0001085146-25-003778

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250714

**DATE AS OF CHANGE**: 20250714

**EFFECTIVENESS DATE**: 20250714

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CATHY PARETO & ASSOCIATES, INC
- **CENTRAL INDEX KEY:** 0002045974

**ORGANIZATION NAME:**
- **EIN:** 261452532
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24584
- **FILM NUMBER:** 251120395

**BUSINESS ADDRESS:**
- **STREET 1:** 901 PONCE DE LEON BLVD.
- **STREET 2:** SUITE 501
- **CITY:** CORAL GABLES
- **STATE:** FL
- **ZIP:** 33134
- **BUSINESS PHONE:** 305-648-9814

**MAIL ADDRESS:**
- **STREET 1:** 901 PONCE DE LEON BLVD.
- **STREET 2:** SUITE 501
- **CITY:** CORAL GABLES
- **STATE:** FL
- **ZIP:** 33134

### 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:** CATHY PARETO  ASSOCIATES INC<br>**Address:** 901 PONCE DE LEON BLVD.<br>SUITE 501<br>CORAL GABLES, FL 33134

**Form 13F File Number:** 028-24584

**CRD Number (if applicable):** 000145919

**SEC File Number (if applicable):** 801-110395

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:** Cathy Pareto<br>**Title:** CCO<br>**Phone:** 305-648-9814

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

/s/ Cathy Pareto  Coral Gables, FL  07-14-2025<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:** 88

**Form 13F Information Table Value Total:** $121030266

      (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 |
| ABBVIE INC | COM | 00287Y109 |  | 316916 | 1708 | SH |  | SOLE |  | 0 | 0 | 1708 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 462193 | 2622 | SH |  | SOLE |  | 0 | 0 | 2622 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 895228 | 5045 | SH |  | SOLE |  | 0 | 0 | 5045 |
| ALPS ETF TR | SECTR DIV DOGS | 00162Q858 |  | 406310 | 7068 | SH |  | SOLE |  | 0 | 0 | 7068 |
| AMAZON COM INC | COM | 023135106 |  | 2230602 | 10167 | SH |  | SOLE |  | 0 | 0 | 10167 |
| APPLE INC | COM | 037833100 |  | 7306153 | 35614 | SH |  | SOLE |  | 0 | 0 | 35614 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 728800 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 3839029 | 7903 | SH |  | SOLE |  | 0 | 0 | 7903 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528868 |  | 279882 | 5400 | SH |  | SOLE |  | 0 | 0 | 5400 |
| BLACKSTONE INC | COM | 09260D107 |  | 204234 | 1363 | SH |  | SOLE |  | 0 | 0 | 1363 |
| BROADCOM INC | COM | 11135F101 |  | 622683 | 2258 | SH |  | SOLE |  | 0 | 0 | 2258 |
| BROWN  BROWN INC | COM | 115236101 |  | 1414854 | 12761 | SH |  | SOLE |  | 0 | 0 | 12761 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 411076 | 415 | SH |  | SOLE |  | 0 | 0 | 415 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 844759 | 12604 | SH |  | SOLE |  | 0 | 0 | 12604 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 721132 | 17056 | SH |  | SOLE |  | 0 | 0 | 17056 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 1027531 | 16128 | SH |  | SOLE |  | 0 | 0 | 16128 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 260808 | 4833 | SH |  | SOLE |  | 0 | 0 | 4833 |
| ETF SER SOLUTIONS | DEFIANCE QUANTUM | 26922A420 |  | 1040900 | 11337 | SH |  | SOLE |  | 0 | 0 | 11337 |
| FIRST TR EXCHANGE TRADED FD | HLTH CARE ALPH | 33734X143 |  | 735986 | 7099 | SH |  | SOLE |  | 0 | 0 | 7099 |
| GE HEALTHCARE TECHNOLOGIES I | COMMON STOCK | 36266G107 |  | 556962 | 7518 | SH |  | SOLE |  | 0 | 0 | 7518 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 1132932 | 25995 | SH |  | SOLE |  | 0 | 0 | 25995 |
| GOLDMAN SACHS ETF TR | NASDAQ-100 PREMI | 38149W630 |  | 229090 | 4599 | SH |  | SOLE |  | 0 | 0 | 4599 |
| HARTFORD INSURANCE GROUP INC | COM | 416515104 |  | 222002 | 1749 | SH |  | SOLE |  | 0 | 0 | 1749 |
| INVESCO ACTIVELY MANAGED EXC | ULTRA SHRT DUR | 46090A887 |  | 1911003 | 38113 | SH |  | SOLE |  | 0 | 0 | 38113 |
| INVESCO EXCH TRADED FD TR II | S SMALLCAP 600 | 46138G664 |  | 887593 | 20503 | SH |  | SOLE |  | 0 | 0 | 20503 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 509813 | 5189 | SH |  | SOLE |  | 0 | 0 | 5189 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 876210 | 4821 | SH |  | SOLE |  | 0 | 0 | 4821 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 453546 | 822 | SH |  | SOLE |  | 0 | 0 | 822 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1896948 | 30425 | SH |  | SOLE |  | 0 | 0 | 30425 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 482963 | 14720 | SH |  | SOLE |  | 0 | 0 | 14720 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 357368 | 3049 | SH |  | SOLE |  | 0 | 0 | 3049 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 844666 | 13619 | SH |  | SOLE |  | 0 | 0 | 13619 |
| ISHARES TR | CORE S ETF | 464287200 |  | 349783 | 563 | SH |  | SOLE |  | 0 | 0 | 563 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 393140 | 2024 | SH |  | SOLE |  | 0 | 0 | 2024 |
| ISHARES TR | U.S. FINLS ETF | 464287788 |  | 433620 | 3586 | SH |  | SOLE |  | 0 | 0 | 3586 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 450606 | 2388 | SH |  | SOLE |  | 0 | 0 | 2388 |
| ISHARES TR | US HOME CONS ETF | 464288752 |  | 281920 | 3025 | SH |  | SOLE |  | 0 | 0 | 3025 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 1224984 | 21547 | SH |  | SOLE |  | 0 | 0 | 21547 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 336798 | 6191 | SH |  | SOLE |  | 0 | 0 | 6191 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 6273534 | 123787 | SH |  | SOLE |  | 0 | 0 | 123787 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 364054 | 1256 | SH |  | SOLE |  | 0 | 0 | 1256 |
| MARKEL GROUP INC | COM | 570535104 |  | 261607 | 131 | SH |  | SOLE |  | 0 | 0 | 131 |
| META PLATFORMS INC | CL A | 30303M102 |  | 677095 | 917 | SH |  | SOLE |  | 0 | 0 | 917 |
| MICROSOFT CORP | COM | 594918104 |  | 2634980 | 5297 | SH |  | SOLE |  | 0 | 0 | 5297 |
| NETFLIX INC | COM | 64110L106 |  | 803478 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 370488 | 5336 | SH |  | SOLE |  | 0 | 0 | 5336 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 426487 | 2699 | SH |  | SOLE |  | 0 | 0 | 2699 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 7313534 | 132732 | SH |  | SOLE |  | 0 | 0 | 132732 |
| PACER FDS TR | US LRG CP CASH | 69374H360 |  | 422895 | 12044 | SH |  | SOLE |  | 0 | 0 | 12044 |
| PACER FDS TR | US SMALL CAP CAS | 69374H857 |  | 886105 | 22255 | SH |  | SOLE |  | 0 | 0 | 22255 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 354121 | 2610 | SH |  | SOLE |  | 0 | 0 | 2610 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 211591 | 1328 | SH |  | SOLE |  | 0 | 0 | 1328 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 1688678 | 42196 | SH |  | SOLE |  | 0 | 0 | 42196 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 3202933 | 130518 | SH |  | SOLE |  | 0 | 0 | 130518 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 2772717 | 116354 | SH |  | SOLE |  | 0 | 0 | 116354 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1810093 | 68307 | SH |  | SOLE |  | 0 | 0 | 68307 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 5335765 | 192841 | SH |  | SOLE |  | 0 | 0 | 192841 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 4174958 | 170824 | SH |  | SOLE |  | 0 | 0 | 170824 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 5017150 | 178864 | SH |  | SOLE |  | 0 | 0 | 178864 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 255998 | 10118 | SH |  | SOLE |  | 0 | 0 | 10118 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 214239 | 1452 | SH |  | SOLE |  | 0 | 0 | 1452 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 475262 | 1876 | SH |  | SOLE |  | 0 | 0 | 1876 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 407558 | 1337 | SH |  | SOLE |  | 0 | 0 | 1337 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 432491 | 699 | SH |  | SOLE |  | 0 | 0 | 699 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 202562 | 2539 | SH |  | SOLE |  | 0 | 0 | 2539 |
| SPOTIFY TECHNOLOGY S A | SHS | L8681T102 |  | 209484 | 273 | SH |  | SOLE |  | 0 | 0 | 273 |
| TESLA INC | COM | 88160R101 |  | 217942 | 686 | SH |  | SOLE |  | 0 | 0 | 686 |
| VANECK ETF TRUST | CLO ETF | 92189H748 |  | 1107528 | 20916 | SH |  | SOLE |  | 0 | 0 | 20916 |
| VANECK ETF TRUST | URANIUM AND NUCL | 92189F601 |  | 986824 | 8875 | SH |  | SOLE |  | 0 | 0 | 8875 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 313576 | 715 | SH |  | SOLE |  | 0 | 0 | 715 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 644344 | 2258 | SH |  | SOLE |  | 0 | 0 | 2258 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 4550713 | 27670 | SH |  | SOLE |  | 0 | 0 | 27670 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 255507 | 913 | SH |  | SOLE |  | 0 | 0 | 913 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3786496 | 19416 | SH |  | SOLE |  | 0 | 0 | 19416 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 5746188 | 24247 | SH |  | SOLE |  | 0 | 0 | 24247 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 905665 | 2980 | SH |  | SOLE |  | 0 | 0 | 2980 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 574107 | 3248 | SH |  | SOLE |  | 0 | 0 | 3248 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 267526 | 1307 | SH |  | SOLE |  | 0 | 0 | 1307 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 319361 | 2395 | SH |  | SOLE |  | 0 | 0 | 2395 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 1761059 | 7091 | SH |  | SOLE |  | 0 | 0 | 7091 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 4445962 | 6703 | SH |  | SOLE |  | 0 | 0 | 6703 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 256299 | 1452 | SH |  | SOLE |  | 0 | 0 | 1452 |
| WALMART INC | COM | 931142103 |  | 244859 | 2505 | SH |  | SOLE |  | 0 | 0 | 2505 |
| WISDOMTREE TR | EUROPE HEDGED EQ | 97717X701 |  | 4568177 | 94931 | SH |  | SOLE |  | 0 | 0 | 94931 |
| WISDOMTREE TR | EUROPEAN OPPORTU | 97717X552 |  | 4060485 | 87173 | SH |  | SOLE |  | 0 | 0 | 87173 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 |  | 377661 | 3304 | SH |  | SOLE |  | 0 | 0 | 3304 |
| WISDOMTREE TR | US MIDCAP FUND | 97717W570 |  | 505708 | 8186 | SH |  | SOLE |  | 0 | 0 | 8186 |
| WISDOMTREE TR | WISDOMTREE US VA | 97717W547 |  | 353399 | 4090 | SH |  | SOLE |  | 0 | 0 | 4090 |

---