# EDGAR Filing Document

**Accession Number:** 0001813577
**File Stem:** 0001813577-25-000008
**Filing Date:** 2025-10
**Character Count:** 9575
**Document Hash:** 3620171a8c7ecc60d3be714159c8da8d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001813577-25-000008.hdr.sgml**: 20251009

**ACCESSION NUMBER**: 0001813577-25-000008

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251009

**DATE AS OF CHANGE**: 20251009

**EFFECTIVENESS DATE**: 20251009

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Whitcomb & Hess, Inc.
- **CENTRAL INDEX KEY:** 0001813577

**ORGANIZATION NAME:**
- **EIN:** 341401001
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21304
- **FILM NUMBER:** 251384677

**BUSINESS ADDRESS:**
- **STREET 1:** 1020 CLEVELAND AVENUE
- **CITY:** ASHLAND
- **STATE:** OH
- **ZIP:** 44805
- **BUSINESS PHONE:** 419-289-7007

**MAIL ADDRESS:**
- **STREET 1:** 1020 CLEVELAND AVENUE
- **CITY:** ASHLAND
- **STATE:** OH
- **ZIP:** 44805

### 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:** Whitcomb  Hess Inc.<br>**Address:** 1020 CLEVELAND AVENUE<br>ASHLAND, OH 44805

**Form 13F File Number:** 028-21304

**CRD Number (if applicable):** 000121064

**SEC File Number (if applicable):** 801-78798

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:** Ryan Gilmer<br>**Title:** CCO<br>**Phone:** 4192897007

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

Ryan Gilmer  Ashland, OH  10-09-2025<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:** 57

**Form 13F Information Table Value Total:** $388917011

      (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 |  | 403274 | 1742 | SH |  | SOLE | 0 | 0 | 0 | 1742 |
| APPLE INC | COM | 037833100 |  | 911340 | 3579 | SH |  | SOLE | 0 | 0 | 0 | 3579 |
| CAMBRIA ETF TR | GLOBAL VALUE ETF | 132061409 |  | 333602 | 11413 | SH |  | SOLE | 0 | 0 | 0 | 11413 |
| CHEVRON CORP NEW | COM | 166764100 |  | 213235 | 1373 | SH |  | SOLE | 0 | 0 | 0 | 1373 |
| CLEVELAND-CLIFFS INC NEW | COM | 185899101 |  | 314504 | 25779 | SH |  | SOLE | 0 | 0 | 0 | 25779 |
| DBX ETF TR | XTRACK USD HIGH | 233051432 |  | 701770 | 18911 | SH |  | SOLE | 0 | 0 | 0 | 18911 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 |  | 25974370 | 228126 | SH |  | SOLE | 0 | 0 | 0 | 228126 |
| FRANKLIN TEMPLETON ETF TR | FTSE BRAZIL | 35473P835 |  | 1603699 | 84189 | SH |  | SOLE | 0 | 0 | 0 | 84189 |
| GLOBAL X FDS | LITHIUM BTRY ETF | 37954Y855 |  | 11763101 | 206915 | SH |  | SOLE | 0 | 0 | 0 | 206915 |
| GORMAN RUPP CO | COM | 383082104 |  | 207692 | 4475 | SH |  | SOLE | 0 | 0 | 0 | 4475 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 254508 | 902 | SH |  | SOLE | 0 | 0 | 0 | 902 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 219167 | 2983 | SH |  | SOLE | 0 | 0 | 0 | 2983 |
| INVESCO EXCH TRADED FD TR II | GLOBAL EX US HGH | 46138E669 |  | 12421537 | 621605 | SH |  | SOLE | 0 | 0 | 0 | 621605 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 297183 | 495 | SH |  | SOLE | 0 | 0 | 0 | 495 |
| ISHARES INC | MSCI BRAZIL ETF | 464286400 |  | 8910821 | 287446 | SH |  | SOLE | 0 | 0 | 0 | 287446 |
| ISHARES INC | MSCI CHILE ETF | 464286640 |  | 9656263 | 292969 | SH |  | SOLE | 0 | 0 | 0 | 292969 |
| ISHARES INC | MSCI SPAIN ETF | 464286764 |  | 10758714 | 217348 | SH |  | SOLE | 0 | 0 | 0 | 217348 |
| ISHARES INC | JP MORGAN EM ETF | 464286517 |  | 618727 | 15014 | SH |  | SOLE | 0 | 0 | 0 | 15014 |
| ISHARES INC | MSCI MLY ETF NEW | 46434G814 |  | 8970683 | 346091 | SH |  | SOLE | 0 | 0 | 0 | 346091 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 286032 | 2686 | SH |  | SOLE | 0 | 0 | 0 | 2686 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 19222181 | 161762 | SH |  | SOLE | 0 | 0 | 0 | 161762 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 1942966 | 23421 | SH |  | SOLE | 0 | 0 | 0 | 23421 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1998312 | 13720 | SH |  | SOLE | 0 | 0 | 0 | 13720 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 19952231 | 305734 | SH |  | SOLE | 0 | 0 | 0 | 305734 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 1296725 | 6279 | SH |  | SOLE | 0 | 0 | 0 | 6279 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 2205320 | 18268 | SH |  | SOLE | 0 | 0 | 0 | 18268 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 307887 | 976 | SH |  | SOLE | 0 | 0 | 0 | 976 |
| LIQUIDIA CORPORATION | COM NEW | 53635D202 |  | 645475 | 28385 | SH |  | SOLE | 0 | 0 | 0 | 28385 |
| MICROSOFT CORP | COM | 594918104 |  | 949185 | 1833 | SH |  | SOLE | 0 | 0 | 0 | 1833 |
| NVENT ELECTRIC PLC | SHS | G6700G107 |  | 413499 | 4192 | SH |  | SOLE | 0 | 0 | 0 | 4192 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 237328 | 1301 | SH |  | SOLE | 0 | 0 | 0 | 1301 |
| PENTAIR PLC | SHS | G7S00T104 |  | 464403 | 4193 | SH |  | SOLE | 0 | 0 | 0 | 4193 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 2484598 | 106727 | SH |  | SOLE | 0 | 0 | 0 | 106727 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 1022296 | 30635 | SH |  | SOLE | 0 | 0 | 0 | 30635 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 9185984 | 102821 | SH |  | SOLE | 0 | 0 | 0 | 102821 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 276769 | 597 | SH |  | SOLE | 0 | 0 | 0 | 597 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 758581 | 1139 | SH |  | SOLE | 0 | 0 | 0 | 1139 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 38583602 | 369186 | SH |  | SOLE | 0 | 0 | 0 | 369186 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 50064787 | 904840 | SH |  | SOLE | 0 | 0 | 0 | 904840 |
| SPDR SERIES TRUST | BLOOMBERG INVT | 78468R200 |  | 13910167 | 450751 | SH |  | SOLE | 0 | 0 | 0 | 450751 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 1774067 | 58569 | SH |  | SOLE | 0 | 0 | 0 | 58569 |
| TESLA INC | COM | 88160R101 |  | 248154 | 558 | SH |  | SOLE | 0 | 0 | 0 | 558 |
| VANECK ETF TRUST | EMERGING MRKT HI | 92189F353 |  | 1482657 | 73948 | SH |  | SOLE | 0 | 0 | 0 | 73948 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 |  | 9618726 | 377057 | SH |  | SOLE | 0 | 0 | 0 | 377057 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 13917092 | 182161 | SH |  | SOLE | 0 | 0 | 0 | 182161 |
| VANECK ETF TRUST | RARE EARTH AND S | 92189H805 |  | 319359 | 4852 | SH |  | SOLE | 0 | 0 | 0 | 4852 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 459555 | 4160 | SH |  | SOLE | 0 | 0 | 0 | 4160 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 321045 | 4317 | SH |  | SOLE | 0 | 0 | 0 | 4317 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 639640 | 1949 | SH |  | SOLE | 0 | 0 | 0 | 1949 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 19180697 | 354018 | SH |  | SOLE | 0 | 0 | 0 | 354018 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 13846605 | 235286 | SH |  | SOLE | 0 | 0 | 0 | 235286 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 2447363 | 40769 | SH |  | SOLE | 0 | 0 | 0 | 40769 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 375840 | 3119 | SH |  | SOLE | 0 | 0 | 0 | 3119 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 17114774 | 364454 | SH |  | SOLE | 0 | 0 | 0 | 364454 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 548972 | 7473 | SH |  | SOLE | 0 | 0 | 0 | 7473 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 45768969 | 763835 | SH |  | SOLE | 0 | 0 | 0 | 763835 |
| WENDYS CO | COM | 95058W100 |  | 110978 | 12116 | SH |  | SOLE | 0 | 0 | 0 | 12116 |

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