# EDGAR Filing Document

**Accession Number:** 0001986156
**File Stem:** 0001986156-25-000006
**Filing Date:** 2025-8
**Character Count:** 13377
**Document Hash:** a340a76d25138ff2bf356ad15c6725e3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001986156-25-000006.hdr.sgml**: 20250808

**ACCESSION NUMBER**: 0001986156-25-000006

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250808

**DATE AS OF CHANGE**: 20250808

**EFFECTIVENESS DATE**: 20250808

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Altiora Financial Group, LLC
- **CENTRAL INDEX KEY:** 0001986156

**ORGANIZATION NAME:**
- **EIN:** 823812591
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23304
- **FILM NUMBER:** 251197657

**BUSINESS ADDRESS:**
- **STREET 1:** 1607 MARIETTA DRIVE
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036
- **BUSINESS PHONE:** (513) 652-5776

**MAIL ADDRESS:**
- **STREET 1:** 1607 MARIETTA DRIVE
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036

### 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:** Altiora Financial Group LLC<br>**Address:** 1607 MARIETTA DRIVE<br>LEBANON, OH 45036

**Form 13F File Number:** 028-23304

**CRD Number (if applicable):** 000292008

**SEC File Number (if applicable):** 801-112389

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:** Derek Tinnin<br>**Title:** Managing Member<br>**Phone:** 513-652-5776

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

Derek Tinnin  Lebanon, OH  08-08-2025<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:** 93

**Form 13F Information Table Value Total:** $511825752

      (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 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 108015404 | 3013823 | SH |  | SOLE |  | 0 | 0 | 3013823 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 45936842 | 956818 | SH |  | SOLE |  | 0 | 0 | 956818 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 43007901 | 1464348 | SH |  | SOLE |  | 0 | 0 | 1464348 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 31439434 | 312240 | SH |  | SOLE |  | 0 | 0 | 312240 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 26031145 | 85648 | SH |  | SOLE |  | 0 | 0 | 85648 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 22357903 | 917059 | SH |  | SOLE |  | 0 | 0 | 917059 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 15828282 | 632372 | SH |  | SOLE |  | 0 | 0 | 632372 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 13683876 | 204695 | SH |  | SOLE |  | 0 | 0 | 204695 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 13207629 | 495039 | SH |  | SOLE |  | 0 | 0 | 495039 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 13120109 | 243145 | SH |  | SOLE |  | 0 | 0 | 243145 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 12829393 | 303439 | SH |  | SOLE |  | 0 | 0 | 303439 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 10623285 | 209326 | SH |  | SOLE |  | 0 | 0 | 209326 |
| SIMPLIFY EXCHANGE TRADED FUN | MANAGED FUTURES | 82889N699 |  | 10584568 | 395833 | SH |  | SOLE |  | 0 | 0 | 395833 |
| SPDR SERIES TRUST | BLOOMBERG 3-12 M | 78468R523 |  | 9323708 | 93772 | SH |  | SOLE |  | 0 | 0 | 93772 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 8540707 | 174193 | SH |  | SOLE |  | 0 | 0 | 174193 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 7984967 | 186434 | SH |  | SOLE |  | 0 | 0 | 186434 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 7477422 | 111570 | SH |  | SOLE |  | 0 | 0 | 111570 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 5998720 | 86825 | SH |  | SOLE |  | 0 | 0 | 86825 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 5877914 | 165296 | SH |  | SOLE |  | 0 | 0 | 165296 |
| SIMPLIFY EXCHANGE TRADED FUN | HIGH YIELD ETF | 82889N830 |  | 5839722 | 250417 | SH |  | SOLE |  | 0 | 0 | 250417 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 5080049 | 49364 | SH |  | SOLE |  | 0 | 0 | 49364 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 4858083 | 82649 | SH |  | SOLE |  | 0 | 0 | 82649 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 4797848 | 75308 | SH |  | SOLE |  | 0 | 0 | 75308 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 4662907 | 74774 | SH |  | SOLE |  | 0 | 0 | 74774 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 4616352 | 10530 | SH |  | SOLE |  | 0 | 0 | 10530 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 3919236 | 38831 | SH |  | SOLE |  | 0 | 0 | 38831 |
| MICROSOFT CORP | COM | 594918104 |  | 3560394 | 7158 | SH |  | SOLE |  | 0 | 0 | 7158 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 3426169 | 81946 | SH |  | SOLE |  | 0 | 0 | 81946 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2790637 | 4517 | SH |  | SOLE |  | 0 | 0 | 4517 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 2779398 | 80399 | SH |  | SOLE |  | 0 | 0 | 80399 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2490886 | 49550 | SH |  | SOLE |  | 0 | 0 | 49550 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 2452635 | 57900 | SH |  | SOLE |  | 0 | 0 | 57900 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 2425861 | 40559 | SH |  | SOLE |  | 0 | 0 | 40559 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 2281194 | 77883 | SH |  | SOLE |  | 0 | 0 | 77883 |
| APPLE INC | COM | 037833100 |  | 2172705 | 10590 | SH |  | SOLE |  | 0 | 0 | 10590 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 2074923 | 19512 | SH |  | SOLE |  | 0 | 0 | 19512 |
| AMAZON COM INC | COM | 023135106 |  | 1763896 | 8040 | SH |  | SOLE |  | 0 | 0 | 8040 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 1739296 | 58979 | SH |  | SOLE |  | 0 | 0 | 58979 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 1726060 | 55518 | SH |  | SOLE |  | 0 | 0 | 55518 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 |  | 1722311 | 69420 | SH |  | SOLE |  | 0 | 0 | 69420 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 1692492 | 57509 | SH |  | SOLE |  | 0 | 0 | 57509 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1681482 | 2708 | SH |  | SOLE |  | 0 | 0 | 2708 |
| TESLA INC | COM | 88160R101 |  | 1607360 | 5060 | SH |  | SOLE |  | 0 | 0 | 5060 |
| BILL HOLDINGS INC | COM | 090043100 |  | 1601152 | 34612 | SH |  | SOLE |  | 0 | 0 | 34612 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 1287472 | 43378 | SH |  | SOLE |  | 0 | 0 | 43378 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1235419 | 7831 | SH |  | SOLE |  | 0 | 0 | 7831 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1132363 | 1707 | SH |  | SOLE |  | 0 | 0 | 1707 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 1058865 | 32175 | SH |  | SOLE |  | 0 | 0 | 32175 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 1020500 | 26000 | SH |  | SOLE |  | 0 | 0 | 26000 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 997282 | 5650 | SH |  | SOLE |  | 0 | 0 | 5650 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 947373 | 957 | SH |  | SOLE |  | 0 | 0 | 957 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 846483 | 5358 | SH |  | SOLE |  | 0 | 0 | 5358 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 768570 | 4333 | SH |  | SOLE |  | 0 | 0 | 4333 |
| ELI LILLY  CO | COM | 532457108 |  | 735877 | 944 | SH |  | SOLE |  | 0 | 0 | 944 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 734234 | 7028 | SH |  | SOLE |  | 0 | 0 | 7028 |
| BANK AMERICA CORP | COM | 060505104 |  | 710274 | 15010 | SH |  | SOLE |  | 0 | 0 | 15010 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 680054 | 22676 | SH |  | SOLE |  | 0 | 0 | 22676 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 623730 | 10190 | SH |  | SOLE |  | 0 | 0 | 10190 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 590738 | 3342 | SH |  | SOLE |  | 0 | 0 | 3342 |
| CHEVRON CORP NEW | COM | 166764100 |  | 589227 | 4115 | SH |  | SOLE |  | 0 | 0 | 4115 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 557729 | 2860 | SH |  | SOLE |  | 0 | 0 | 2860 |
| DIMENSIONAL ETF TRUST | GLOBAL SUSTAINA | 25434V674 |  | 524300 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 517496 | 2936 | SH |  | SOLE |  | 0 | 0 | 2936 |
| SIMPLIFY EXCHANGE TRADED FUN | MULTI QIS ALTERN | 82889N533 |  | 508761 | 23136 | SH |  | SOLE |  | 0 | 0 | 23136 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 503694 | 3748 | SH |  | SOLE |  | 0 | 0 | 3748 |
| SCHWAB STRATEGIC TR | MUN BD ETF | 808524649 |  | 503600 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 494065 | 16365 | SH |  | SOLE |  | 0 | 0 | 16365 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 490777 | 1610 | SH |  | SOLE |  | 0 | 0 | 1610 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 471891 | 16300 | SH |  | SOLE |  | 0 | 0 | 16300 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 |  | 423198 | 6800 | SH |  | SOLE |  | 0 | 0 | 6800 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 416293 | 6103 | SH |  | SOLE |  | 0 | 0 | 6103 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 408338 | 2563 | SH |  | SOLE |  | 0 | 0 | 2563 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 398323 | 2422 | SH |  | SOLE |  | 0 | 0 | 2422 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 386521 | 1631 | SH |  | SOLE |  | 0 | 0 | 1631 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 364905 | 4590 | SH |  | SOLE |  | 0 | 0 | 4590 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 358631 | 9100 | SH |  | SOLE |  | 0 | 0 | 9100 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 344833 | 3466 | SH |  | SOLE |  | 0 | 0 | 3466 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 339437 | 967 | SH |  | SOLE |  | 0 | 0 | 967 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 336304 | 1078 | SH |  | SOLE |  | 0 | 0 | 1078 |
| META PLATFORMS INC | CL A | 30303M102 |  | 326472 | 442 | SH |  | SOLE |  | 0 | 0 | 442 |
| CINTAS CORP | COM | 172908105 |  | 321116 | 1441 | SH |  | SOLE |  | 0 | 0 | 1441 |
| NETFLIX INC | COM | 64110L106 |  | 314696 | 235 | SH |  | SOLE |  | 0 | 0 | 235 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 313830 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 306885 | 1041 | SH |  | SOLE |  | 0 | 0 | 1041 |
| LKQ CORP | COM | 501889208 |  | 281276 | 7600 | SH |  | SOLE |  | 0 | 0 | 7600 |
| WALMART INC | COM | 931142103 |  | 279944 | 2863 | SH |  | SOLE |  | 0 | 0 | 2863 |
| C H ROBINSON WORLDWIDE INC | COM NEW | 12541W209 |  | 273458 | 2850 | SH |  | SOLE |  | 0 | 0 | 2850 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 273163 | 1788 | SH |  | SOLE |  | 0 | 0 | 1788 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 272640 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 263239 | 908 | SH |  | SOLE |  | 0 | 0 | 908 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 229486 | 4964 | SH |  | SOLE |  | 0 | 0 | 4964 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 229221 | 3410 | SH |  | SOLE |  | 0 | 0 | 3410 |
| GLOBAL X FDS | GLB X MLP ENRG I | 37954Y293 |  | 200512 | 3200 | SH |  | SOLE |  | 0 | 0 | 3200 |

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