# EDGAR Filing Document

**Accession Number:** 0002062596
**File Stem:** 0001667731-25-000918
**Filing Date:** 2025-7
**Character Count:** 8855
**Document Hash:** e3fb6e1415bc9d3ae686ae1c60db57bc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001667731-25-000918.hdr.sgml**: 20250722

**ACCESSION NUMBER**: 0001667731-25-000918

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250722

**DATE AS OF CHANGE**: 20250722

**EFFECTIVENESS DATE**: 20250722

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Innovative Wealth Building LLC
- **CENTRAL INDEX KEY:** 0002062596

**ORGANIZATION NAME:**
- **EIN:** 862771820
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25505
- **FILM NUMBER:** 251141052

**BUSINESS ADDRESS:**
- **STREET 1:** 23567 OAK VIEW DRIVE
- **STREET 2:** SUITE A
- **CITY:** CALIFORNIA
- **STATE:** MD
- **ZIP:** 20619
- **BUSINESS PHONE:** 240-237-8086

**MAIL ADDRESS:**
- **STREET 1:** 23567 OAK VIEW DRIVE
- **STREET 2:** SUITE A
- **CITY:** CALIFORNIA
- **STATE:** MD
- **ZIP:** 20619

### 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:** Innovative Wealth Building LLC<br>**Address:** 23567 Oak View Drive<br>Suite A<br>California, MD 20619

**Form 13F File Number:** 028-25505

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:** TERRY EVERETT PARHAM JR<br>**Title:** MANAGING MEMBER AND CCO<br>**Phone:** 240-237-8086

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

/s/ TERRY EVERETT PARHAM JR  CALIFORNIA, MD  07-22-2025<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:** 51

**Form 13F Information Table Value Total:** $120628015

      (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 | COM | 023135106 |  | 218293 | 995 | SH |  | SOLE |  | 995 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 921992 | 4494 | SH |  | SOLE |  | 4494 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 339067 | 698 | SH |  | SOLE |  | 698 | 0 | 0 |
| BNY MELLON ETF TRUST | INTERNATIONL EQT | 09661T404 |  | 3243663 | 37643 | SH |  | SOLE |  | 37643 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 6528456 | 97411 | SH |  | SOLE |  | 97411 | 0 | 0 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 929344 | 16443 | SH |  | SOLE |  | 16443 | 0 | 0 |
| FRANKLIN TEMPLETON ETF TR | INCOME FOCUS ETF | 35473P439 |  | 719760 | 26609 | SH |  | SOLE |  | 26609 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 3354503 | 27636 | SH |  | SOLE |  | 27636 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 3948138 | 7157 | SH |  | SOLE |  | 7157 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 3974630 | 40067 | SH |  | SOLE |  | 40067 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 4177666 | 65337 | SH |  | SOLE |  | 65337 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2792031 | 25547 | SH |  | SOLE |  | 25547 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1590778 | 19056 | SH |  | SOLE |  | 19056 | 0 | 0 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 701954 | 7418 | SH |  | SOLE |  | 7418 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 1166606 | 7757 | SH |  | SOLE |  | 7757 | 0 | 0 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 2644443 | 70500 | SH |  | SOLE |  | 70500 | 0 | 0 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 938995 | 8294 | SH |  | SOLE |  | 8294 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 581699 | 6325 | SH |  | SOLE |  | 6325 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 793086 | 12788 | SH |  | SOLE |  | 12788 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 1459498 | 11810 | SH |  | SOLE |  | 11810 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 6838918 | 11015 | SH |  | SOLE |  | 11015 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 1069136 | 18806 | SH |  | SOLE |  | 18806 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 845137 | 15536 | SH |  | SOLE |  | 15536 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 279690 | 965 | SH |  | SOLE |  | 965 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 518185 | 1774 | SH |  | SOLE |  | 1774 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1266714 | 2547 | SH |  | SOLE |  | 2547 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 223419 | 447 | SH |  | SOLE |  | 447 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 288549 | 1826 | SH |  | SOLE |  | 1826 | 0 | 0 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 6316275 | 126935 | SH |  | SOLE |  | 126935 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 2588877 | 106189 | SH |  | SOLE |  | 106189 | 0 | 0 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 555747 | 1261 | SH |  | SOLE |  | 1261 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 697965 | 1130 | SH |  | SOLE |  | 1130 | 0 | 0 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 569919 | 5979 | SH |  | SOLE |  | 5979 | 0 | 0 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 214348 | 4095 | SH |  | SOLE |  | 4095 | 0 | 0 |
| SPDR SERIES TRUST | PRTFLO S HI | 78468R788 |  | 2490376 | 58680 | SH |  | SOLE |  | 58680 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 234433 | 738 | SH |  | SOLE |  | 738 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 310420 | 783 | SH |  | SOLE |  | 783 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 497783 | 1638 | SH |  | SOLE |  | 1638 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 4187439 | 14964 | SH |  | SOLE |  | 14964 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1136237 | 2592 | SH |  | SOLE |  | 2592 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 253938 | 890 | SH |  | SOLE |  | 890 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 211373 | 1196 | SH |  | SOLE |  | 1196 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 813466 | 3433 | SH |  | SOLE |  | 3433 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 40495079 | 71290 | SH |  | SOLE |  | 71290 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1135458 | 22587 | SH |  | SOLE |  | 22587 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 216455 | 4415 | SH |  | SOLE |  | 4415 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 733695 | 12870 | SH |  | SOLE |  | 12870 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 243813 | 1829 | SH |  | SOLE |  | 1829 | 0 | 0 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 3762381 | 5672 | SH |  | SOLE |  | 5672 | 0 | 0 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 365122 | 1470 | SH |  | SOLE |  | 1470 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 243066 | 685 | SH |  | SOLE |  | 685 | 0 | 0 |

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