# EDGAR Filing Document

**Accession Number:** 0001956564
**File Stem:** 0001956564-25-000007
**Filing Date:** 2025-11
**Character Count:** 14114
**Document Hash:** 2976415e74c631e685f9978bd215dd53
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001956564-25-000007.hdr.sgml**: 20251112

**ACCESSION NUMBER**: 0001956564-25-000007

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251112

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251112

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RFP Financial Group LLC
- **CENTRAL INDEX KEY:** 0001956564

**ORGANIZATION NAME:**
- **EIN:** 824438526
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22750
- **FILM NUMBER:** 251470842

**BUSINESS ADDRESS:**
- **STREET 1:** 1380 WEST PACES FERRY ROAD, NW
- **STREET 2:** SUITE 2155
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30327
- **BUSINESS PHONE:** 4042337272

**MAIL ADDRESS:**
- **STREET 1:** 1380 WEST PACES FERRY ROAD, NW
- **STREET 2:** SUITE 2155
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30327

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** RFP Financial Group LLC<br>**Address:** 1380 WEST PACES FERRY ROAD NW<br>SUITE 2155<br>ATLANTA, GA 30327

**Form 13F File Number:** 028-22750

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:** Morgan Carter<br>**Title:** Client Relationship Manager<br>**Phone:** (404) 233-7272

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

MORGAN CARTER  ATLANTA, GA  11-12-2025<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:** 103

**Form 13F Information Table Value Total:** $245500475

      (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 | AMZN | 023135106 |  | 1813666 | 8220 | SH |  | SOLE |  | 0 | 0 | 0 |
| AMERICAN EXPRESS CO COM USD0.20 | AXP | 025816109 |  | 877336 | 2658 | SH |  | SOLE |  | 0 | 0 | 0 |
| APPLE INC | AAPL | 037833100 |  | 18220476 | 71599 | SH |  | SOLE |  | 0 | 0 | 0 |
| BANK AMERICA CORP COM | BAC | 060505104 |  | 256882 | 5298 | SH |  | SOLE |  | 0 | 0 | 0 |
| BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B | BRKB | 084670702 |  | 887701 | 1822 | SH |  | SOLE |  | 0 | 0 | 0 |
| BROWN  BROWN INC | BRO | 115236101 |  | 200979 | 1970 | SH |  | SOLE |  | 0 | 0 | 0 |
| CATERPILLAR INC COM | CAT | 149123101 |  | 1045243 | 2333 | SH |  | SOLE |  | 0 | 0 | 0 |
| CHEVRON CORP NEW COM | CVX | 166764100 |  | 685028 | 4408 | SH |  | SOLE |  | 0 | 0 | 0 |
| COCA-COLA CO | KO | 191216100 |  | 4336830 | 65435 | SH |  | SOLE |  | 0 | 0 | 0 |
| HOME DEPOT INC | HD | 437076102 |  | 2980345 | 7382 | SH |  | SOLE |  | 0 | 0 | 0 |
| INTERNATIONAL BUS MACH CORP COM USD0.20 | IBM | 459200101 |  | 329556 | 1189 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S  US STOCK MARKET ETF | ITOT | 464287150 |  | 3280320 | 25301 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S 500 ETF | IVV | 464287200 |  | 21769541 | 36899 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE US AGGREGATE BOND ETF | AGG | 464287226 |  | 10674737 | 110162 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | IJH | 464287507 |  | 8246942 | 132151 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE ETF | IWD | 464287598 |  | 1409948 | 7616 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR RUS 1000 GRW ETF | IWF | 464287614 |  | 1660475 | 4135 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | IWM | 464287655 |  | 514183 | 2320 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S SMALL-CAP E | IJR | 464287804 |  | 4301823 | 37257 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR MSCI ACWI ETF | ACWI | 464288257 |  | 3284009 | 27943 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES NATIONAL MUNI BOND ETF | MUB | 464288414 |  | 7034299 | 66019 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE AGGRESSIVE ALLOCATION ETF | AOA | 464289859 |  | 404664 | 5282 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE MODERATE ALLOCATION ETF | AOM | 464289875 |  | 248137 | 5712 | SH |  | SOLE |  | 0 | 0 | 0 |
| JOHNSON  COM | JNJ | 478160104 |  | 1536783 | 8401 | SH |  | SOLE |  | 0 | 0 | 0 |
| ELI LILLY  COM | LLY | 532457108 |  | 794942 | 1032 | SH |  | SOLE |  | 0 | 0 | 0 |
| LOCKHEED MARTIN CORP COM USD1.00 | LMT | 539830109 |  | 248032 | 498 | SH |  | SOLE |  | 0 | 0 | 0 |
| MICROSOFT CORP | MSFT | 594918104 |  | 4818390 | 9688 | SH |  | SOLE |  | 0 | 0 | 0 |
| PEPSICO INC | PEP | 713448108 |  | 904397 | 6427 | SH |  | SOLE |  | 0 | 0 | 0 |
| PHILIP MORRIS INTERNATIONAL INC COM NPV | PM | 718172109 |  | 978480 | 6099 | SH |  | SOLE |  | 0 | 0 | 0 |
| PROCTER AND GAMBLE CO COM | PG | 742718109 |  | 393586 | 2529 | SH |  | SOLE |  | 0 | 0 | 0 |
| SOUTHERN CO | SO | 842587107 |  | 1637851 | 18293 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD  INTERNATIONAL STOCK INDEX FUND | VXUS | 921909768 |  | 1547574 | 26261 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD MEGA CAP GROWTH INDEX FUND | MGK | 921910816 |  | 3232043 | 8969 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD BD INDEX FDS  BND MRKT | BND | 921937835 |  | 1737558 | 24163 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD MUN BD FDS TAX EXEMPT BD | VTEB | 922907746 |  | 1393955 | 27807 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INDEX FUNDS S 500 ETF USD | VOO | 922908363 |  | 421767 | 779 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | VNQ | 922908553 |  | 280311 | 3147 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INDEX FDS VANGUARD  STK MKT ETF | VTI | 922908769 |  | 3198223 | 10684 | SH |  | SOLE |  | 0 | 0 | 0 |
| WALMART INC COM | WMT | 931142103 |  | 2595566 | 25371 | SH |  | SOLE |  | 0 | 0 | 0 |
| AT INC COM USD1 | T | 00206R102 |  | 241905 | 8986 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALPHABET INC CAP STK CL C | GOOG | 02079K107 |  | 2656513 | 11160 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALPHABET INC CAP STK CL A | GOOGL | 02079K305 |  | 600615 | 2894 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALTRIA GROUP INC | MO | 02209S103 |  | 430525 | 6611 | SH |  | SOLE |  | 0 | 0 | 0 |
| BROADCOM INC COM | AVGO | 11135F101 |  | 225804 | 961 | SH |  | SOLE |  | 0 | 0 | 0 |
| CAPITAL GRP FIXED INCM ETF TR US MULTI-SECTOR | CGMS | 14020Y300 |  | 210431 | 7711 | SH |  | SOLE |  | 0 | 0 | 0 |
| CAPITAL GRP FIXED INCM ETF TR SHORT DURATION | CGSD | 14020Y409 |  | 12682602 | 488998 | SH |  | SOLE |  | 0 | 0 | 0 |
| CISCO SYSTEMS INC | CSCO | 17275R102 |  | 355240 | 5257 | SH |  | SOLE |  | 0 | 0 | 0 |
| COSTCO WHOLESALE CORP COM | COST | 22160K105 |  | 1494275 | 1616 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIREXION NASDAQ-100 EQUAL WEIGHTED INDEX SHARES | QQQE | 25459Y207 |  | 289092 | 2985 | SH |  | SOLE |  | 0 | 0 | 0 |
| EXXON MOBIL CORP COM | XOM | 30231G102 |  | 848418 | 7606 | SH |  | SOLE |  | 0 | 0 | 0 |
| META PLATFORMS INC CLASS A COMMON STOCK | META | 30303M102 |  | 616173 | 953 | SH |  | SOLE |  | 0 | 0 | 0 |
| GLOBAL PAYMENTS INC | GPN | 37940X102 |  | 419413 | 4960 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD TR S EQL WGT | RSP | 46137V357 |  | 11601266 | 61859 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II SHORT TERM TREAS | TBLL | 46138G888 |  | 757680 | 7175 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR CORE MSCI | IXUS | 46432F834 |  | 10790268 | 163143 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR CORE  USD | IUSB | 46434V613 |  | 471097 | 10422 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TRUST GLOBAL REIT ETF | REET | 46434V647 |  | 3763284 | 157000 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES ULTRA SHORT-TERM BOND ACTIVE ETF | ICSH | 46434V878 |  | 4623914 | 91690 | SH |  | SOLE |  | 0 | 0 | 0 |
| JPMORGAN CHASE  COM | JPM | 46625H100 |  | 2131605 | 6898 | SH |  | SOLE |  | 0 | 0 | 0 |
| MERCK  INC COM | MRK | 58933Y105 |  | 667474 | 7863 | SH |  | SOLE |  | 0 | 0 | 0 |
| NVIDIA CORPORATION COM | NVDA | 67066G104 |  | 1240680 | 7421 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR S ETF TRUST TRUST UNIT DEPOSITARY RECEIPT | SPY | 78462F103 |  | 2913123 | 4460 | SH |  | SOLE |  | 0 | 0 | 0 |
| SYNOVUS FINANCIAL CORP COM USD1.00 | SNV | 87161C501 |  | 450055 | 9208 | SH |  | SOLE |  | 0 | 0 | 0 |
| TESLA INC COM | TSLA | 88160R101 |  | 560750 | 1298 | SH |  | SOLE |  | 0 | 0 | 0 |
| 3M CO | MMM | 88579Y101 |  | 208213 | 1351 | SH |  | SOLE |  | 0 | 0 | 0 |
| TRUIST FINL CORP COM | TFC | 89832Q109 |  | 586193 | 12966 | SH |  | SOLE |  | 0 | 0 | 0 |
| UNITEDHEALTH GROUP INC | UNH | 91324P102 |  | 594611 | 1585 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD CHARLOTTE FDS  INTL BD ETF | BNDX | 92203J407 |  | 553630 | 11287 | SH |  | SOLE |  | 0 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | VZ | 92343V104 |  | 274993 | 6509 | SH |  | SOLE |  | 0 | 0 | 0 |
| VISA INC | V | 92826C839 |  | 835281 | 2537 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALERIAN MLP ETF | ALERIAN MLP | 00162Q452 |  | 388994 | 8289 | SH |  | SOLE |  | 0 | 0 | 0 |
| CAPITAL GROUP MUNI HIGH-INCOME ETF | MUNICIPAL HIGH I | 14020Y805 |  | 1744403 | 68976 | SH |  | SOLE |  | 0 | 0 | 0 |
| GALLAGHER ARTHUR J  COMPANY | COM | 363576109 |  | 309740 | 1000 | SH |  | SOLE |  | 0 | 0 | 0 |
| GENUINE PARTS COMPANY | COM | 372460105 |  | 576400 | 4159 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO NASDAQ 100 ETF | NASDAQ 100 ETF | 46138G649 |  | 1013192 | 4100 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO S 100 EQUAL WEIGHT ETF | S 100 EQL WIGH | 46137V449 |  | 39892690 | 347311 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO S 500 EQUAL WEIGHT INDUSTRIALS ETF | S EQL IND | 46137V324 |  | 8499582 | 151520 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 1-5 YR TR | IBONDS 1-5 YR TR | 46438G521 |  | 565166 | 22332 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 25 TRM TS | IBONDS 25 TRM TS | 46436E866 |  | 465182 | 19909 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 26 TRM TS | IBONDS 26 TRM TS | 46436E858 |  | 514605 | 22433 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 27 TRM TS | IBONDS 27 TRM TS | 46436E841 |  | 532965 | 23671 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 28 TRM TS | IBONDS 28 TRM TS | 46436E833 |  | 538322 | 24027 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 29 TRM TS | IBONDS 29 TRM TS | 46436E825 |  | 536004 | 24381 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR GOLD SHARES | GOLD SHS | 78463V107 |  | 299701 | 834 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANECK ALTERNATIVE ASSET MANAGER ETF | ALTERNATIVE ASSE | 92189H649 |  | 240765 | 8798 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD 0-3 MONTH TREASURY BILL ETF | 0-3 MO TREAS BIL | 922040845 |  | 2759002 | 36480 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SMALL-CAP VALUE ETF | SM CP VAL ETF | 922908611 |  | 1018505 | 4880 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES IBONDS TERM     TREASURY ETF IV | SNSXX | 808515548 |  | 34733 | 34733 | SH |  | SOLE |  | 0 | 0 | 0 |
| FIFTH THIRD BANCORP | GDX | 92189F106 |  | 210559 | 2922 | SH |  | SOLE |  | 0 | 0 | 0 |
| MEDTRONIC PLC          F | MDT | 4636325L9 |  | 10141 | 10000 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALVIN TEX INDPT SCH | XTL | 78464A540 |  | 261570 | 1682 | SH |  | SOLE |  | 0 | 0 | 0 |
| SIGNET JEWELERS LIMITE F | SIG | 797272PY1 |  | 10118 | 10000 | SH |  | SOLE |  | 0 | 0 | 0 |
| REALTY INCOME CORP      REIT | REIT | 09259K401 |  | 287797 | 20759 | SH |  | SOLE |  | 0 | 0 | 0 |
| BROOKFIELD RENEW PAR  LP | BEP | 59261AQE0 |  | 15742 | 15000 | SH |  | SOLE |  | 0 | 0 | 0 |
| JPMORGAN GROWTH ADVANTAGE R6 | CYDY | 23283M101 |  | 10472 | 44371 | SH |  | SOLE |  | 0 | 0 | 0 |
| CYTODYN INC | CYDY | 8014952D3 |  | 9907 | 10000 | SH |  | SOLE |  | 0 | 0 | 0 |
| GRAYSCALE BITCOIN MINI  TRUST ETF | MINI TRUST | 5140402N3 |  | 10011 | 10000 | SH |  | SOLE |  | 0 | 0 | 0 |
| DOW INC | DOW | 98158H106 |  | 0 | 10000 | SH |  | SOLE |  | 0 | 0 | 0 |
| AMERICAN FINL GROUP INC | AFG | 66285WWG7 |  | 10094 | 10000 | SH |  | SOLE |  | 0 | 0 | 0 |
| CELLEBRITE DI LTD      FCLASS                  A | GBTC | 389637109 |  | 300554 | 3494 | SH |  | SOLE |  | 0 | 0 | 0 |
| AMAZON.COM INC | AMZN | 61075TNB0 |  | 10004 | 10000 | SH |  | SOLE |  | 0 | 0 | 0 |
| KENVUE INC | KVUE | 64971WR77 |  | 10142 | 10000 | SH |  | SOLE |  | 0 | 0 | 0 |
| NTNL GRID PLC ADR      FSPONSORED ADR           1 ADR REPS    5  ORD SHS | SWVXX | 808515605 |  | 135712 | 135712 | SH |  | SOLE |  | 0 | 0 | 0 |

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