# EDGAR Filing Document

**Accession Number:** 0001908217
**File Stem:** 0001172661-23-000260
**Filing Date:** 2023-1
**Character Count:** 11625
**Document Hash:** 73d1d9b5c019ca1ff128e76b1c445047
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-23-000260.hdr.sgml**: 20230123

**ACCESSION NUMBER**: 0001172661-23-000260

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230123

**DATE AS OF CHANGE**: 20230123

**EFFECTIVENESS DATE**: 20230123

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sandy Cove Advisors, LLC
- **CENTRAL INDEX KEY:** 0001908217
- **IRS NUMBER:** 271293149
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21605
- **FILM NUMBER:** 23544048

**BUSINESS ADDRESS:**
- **STREET 1:** 37 DERBY STREET
- **STREET 2:** SUITE 5
- **CITY:** HINGHAM
- **STATE:** MA
- **ZIP:** 02043
- **BUSINESS PHONE:** 617-622-1500

**MAIL ADDRESS:**
- **STREET 1:** 37 DERBY STREET
- **STREET 2:** SUITE 5
- **CITY:** HINGHAM
- **STATE:** MA
- **ZIP:** 02043

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Sandy Cove Advisors LLC<br>**Address:** 37 Derby Street<br>Suite 5<br>Hingham, MA 02043

**Form 13F File Number:** 028-21605

**CRD Number (if applicable):** 000152482

**SEC File Number (if applicable):** 801-107724

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:** Katherine Saltonstall<br>**Title:** Chief Compliance Officer<br>**Phone:** 617-622-1500

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

/s/ Katherine Saltonstall  Hingham, MA  01-23-2023<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:** 81

**Form 13F Information Table Value Total:** $124121879

      (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 |  | 322574 | 1996 | SH |  | SOLE |  | 0 | 0 | 1996 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 212350 | 631 | SH |  | SOLE |  | 0 | 0 | 631 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 307075 | 4741 | SH |  | SOLE |  | 0 | 0 | 4741 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 852302 | 9660 | SH |  | SOLE |  | 0 | 0 | 9660 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 275684 | 3107 | SH |  | SOLE |  | 0 | 0 | 3107 |
| AMAZON COM INC | COM | 023135106 |  | 961632 | 11448 | SH |  | SOLE |  | 0 | 0 | 11448 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 954405 | 3065 | SH |  | SOLE |  | 0 | 0 | 3065 |
| AMGEN INC | COM | 031162100 |  | 1622080 | 6176 | SH |  | SOLE |  | 0 | 0 | 6176 |
| AON PLC | SHS CL A | G0403H108 |  | 358669 | 1195 | SH |  | SOLE |  | 0 | 0 | 1195 |
| APPLE INC | COM | 037833100 |  | 4487842 | 34540 | SH |  | SOLE |  | 0 | 0 | 34540 |
| APPLIED MATLS INC | COM | 038222105 |  | 208880 | 2145 | SH |  | SOLE |  | 0 | 0 | 2145 |
| BANK AMERICA CORP | COM | 060505104 |  | 202032 | 6100 | SH |  | SOLE |  | 0 | 0 | 6100 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 3141822 | 10171 | SH |  | SOLE |  | 0 | 0 | 10171 |
| BLACKSTONE INC | COM | 09260D107 |  | 728489 | 9819 | SH |  | SOLE |  | 0 | 0 | 9819 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 278806 | 3875 | SH |  | SOLE |  | 0 | 0 | 3875 |
| CATERPILLAR INC | COM | 149123101 |  | 307355 | 1283 | SH |  | SOLE |  | 0 | 0 | 1283 |
| CHUBB LIMITED | COM | H1467J104 |  | 386050 | 1750 | SH |  | SOLE |  | 0 | 0 | 1750 |
| COCA COLA CO | COM | 191216100 |  | 1163044 | 18284 | SH |  | SOLE |  | 0 | 0 | 18284 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 1202902 | 15267 | SH |  | SOLE |  | 0 | 0 | 15267 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 358054 | 1545 | SH |  | SOLE |  | 0 | 0 | 1545 |
| DANAHER CORPORATION | COM | 235851102 |  | 1125413 | 4240 | SH |  | SOLE |  | 0 | 0 | 4240 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 |  | 882041 | 4950 | SH |  | SOLE |  | 0 | 0 | 4950 |
| EATON CORP PLC | SHS | G29183103 |  | 229932 | 1465 | SH |  | SOLE |  | 0 | 0 | 1465 |
| EATON VANCE LTD DURATION INC | COM | 27828H105 |  | 149301 | 15900 | SH |  | SOLE |  | 0 | 0 | 15900 |
| EATON VANCE SR FLTNG RTE TR | COM | 27828Q105 |  | 197732 | 18074 | SH |  | SOLE |  | 0 | 0 | 18074 |
| EXACT SCIENCES CORP | COM | 30063P105 |  | 1849199 | 37350 | SH |  | SOLE |  | 0 | 0 | 37350 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 355433 | 3222 | SH |  | SOLE |  | 0 | 0 | 3222 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1077013 | 5026 | SH |  | SOLE |  | 0 | 0 | 5026 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 670814 | 3045 | SH |  | SOLE |  | 0 | 0 | 3045 |
| INVESCO EXCHANGE TRADED FD T | DYNMC SOFTWARE | 46137V639 |  | 200941 | 2208 | SH |  | SOLE |  | 0 | 0 | 2208 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 2987814 | 11221 | SH |  | SOLE |  | 0 | 0 | 11221 |
| ISHARES INC | MSCI GBL GOLD MN | 46434G855 |  | 368445 | 16500 | SH |  | SOLE |  | 0 | 0 | 16500 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 232215 | 3400 | SH |  | SOLE |  | 0 | 0 | 3400 |
| ISHARES TR | CORE S ETF | 464287200 |  | 5115450 | 13314 | SH |  | SOLE |  | 0 | 0 | 13314 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 729214 | 3015 | SH |  | SOLE |  | 0 | 0 | 3015 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 306017 | 3233 | SH |  | SOLE |  | 0 | 0 | 3233 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 229200 | 1070 | SH |  | SOLE |  | 0 | 0 | 1070 |
| ISHARES TR | US CONSM STAPLES | 464287812 |  | 202780 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1298563 | 19783 | SH |  | SOLE |  | 0 | 0 | 19783 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1009306 | 16374 | SH |  | SOLE |  | 0 | 0 | 16374 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 3099701 | 28200 | SH |  | SOLE |  | 0 | 0 | 28200 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 1227251 | 24525 | SH |  | SOLE |  | 0 | 0 | 24525 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 640848 | 3628 | SH |  | SOLE |  | 0 | 0 | 3628 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 670098 | 4997 | SH |  | SOLE |  | 0 | 0 | 4997 |
| LILLY ELI  CO | COM | 532457108 |  | 677170 | 1851 | SH |  | SOLE |  | 0 | 0 | 1851 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 202380 | 416 | SH |  | SOLE |  | 0 | 0 | 416 |
| MERCK  CO INC | COM | 58933Y105 |  | 350577 | 3160 | SH |  | SOLE |  | 0 | 0 | 3160 |
| META PLATFORMS INC | CL A | 30303M102 |  | 330935 | 2750 | SH |  | SOLE |  | 0 | 0 | 2750 |
| MICROSOFT CORP | COM | 594918104 |  | 2552739 | 10644 | SH |  | SOLE |  | 0 | 0 | 10644 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 1055149 | 15831 | SH |  | SOLE |  | 0 | 0 | 15831 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 5331916 | 62714 | SH |  | SOLE |  | 0 | 0 | 62714 |
| NETFLIX INC | COM | 64110L106 |  | 269559 | 914 | SH |  | SOLE |  | 0 | 0 | 914 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 199437 | 31065 | SH |  | SOLE |  | 0 | 0 | 31065 |
| PFIZER INC | COM | 717081103 |  | 604781 | 11803 | SH |  | SOLE |  | 0 | 0 | 11803 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 621710 | 4102 | SH |  | SOLE |  | 0 | 0 | 4102 |
| QUALCOMM INC | COM | 747525103 |  | 340814 | 3100 | SH |  | SOLE |  | 0 | 0 | 3100 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 415881 | 4121 | SH |  | SOLE |  | 0 | 0 | 4121 |
| SCPHARMACEUTICALS INC | COM | 810648105 |  | 75945 | 10592 | SH |  | SOLE |  | 0 | 0 | 10592 |
| SEMRUSH HLDGS INC | CL A COM | 81686C104 |  | 81400 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 432412 | 2549 | SH |  | SOLE |  | 0 | 0 | 2549 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2487594 | 6505 | SH |  | SOLE |  | 0 | 0 | 6505 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 867831 | 6937 | SH |  | SOLE |  | 0 | 0 | 6937 |
| SPDR SER TR | S 600 SMCP GRW | 78464A201 |  | 504893 | 6989 | SH |  | SOLE |  | 0 | 0 | 6989 |
| SPDR SER TR | S 600 SML CAP | 78464A813 |  | 545770 | 6639 | SH |  | SOLE |  | 0 | 0 | 6639 |
| SQZ BIOTECHNOLOGIES CO | COM | 78472W104 |  | 38263 | 51707 | SH |  | SOLE |  | 0 | 0 | 51707 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 216421 | 393 | SH |  | SOLE |  | 0 | 0 | 393 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 892954 | 17735 | SH |  | SOLE |  | 0 | 0 | 17735 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 396820 | 748 | SH |  | SOLE |  | 0 | 0 | 748 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 8585714 | 114050 | SH |  | SOLE |  | 0 | 0 | 114050 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 469349 | 3344 | SH |  | SOLE |  | 0 | 0 | 3344 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 535472 | 2801 | SH |  | SOLE |  | 0 | 0 | 2801 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 2990205 | 36254 | SH |  | SOLE |  | 0 | 0 | 36254 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 7750124 | 42226 | SH |  | SOLE |  | 0 | 0 | 42226 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 9743222 | 47805 | SH |  | SOLE |  | 0 | 0 | 47805 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 15104422 | 42991 | SH |  | SOLE |  | 0 | 0 | 42991 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 343250 | 6846 | SH |  | SOLE |  | 0 | 0 | 6846 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 345949 | 4601 | SH |  | SOLE |  | 0 | 0 | 4601 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 9230468 | 60787 | SH |  | SOLE |  | 0 | 0 | 60787 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 5650379 | 134629 | SH |  | SOLE |  | 0 | 0 | 134629 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 302165 | 2792 | SH |  | SOLE |  | 0 | 0 | 2792 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 391041 | 6447 | SH |  | SOLE |  | 0 | 0 | 6447 |

---