# EDGAR Filing Document

**Accession Number:** 0002054958
**File Stem:** 0001398344-25-013548
**Filing Date:** 2025-7
**Character Count:** 14754
**Document Hash:** d2532c375ed9d3e20ff580f90210207a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-25-013548.hdr.sgml**: 20250723

**ACCESSION NUMBER**: 0001398344-25-013548

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250723

**DATE AS OF CHANGE**: 20250723

**EFFECTIVENESS DATE**: 20250723

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Pillar Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0002054958

**ORGANIZATION NAME:**
- **EIN:** 611311047

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24805
- **FILM NUMBER:** 251141832

**BUSINESS ADDRESS:**
- **STREET 1:** 3046 BRECKENRIDGE LANE
- **STREET 2:** STE 104
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40220
- **BUSINESS PHONE:** 502-384-3893

**MAIL ADDRESS:**
- **STREET 1:** 3046 BRECKENRIDGE LANE
- **STREET 2:** STE 104
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40220

### 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:** Pillar Financial Advisors LLC<br>**Address:** 3046 BRECKENRIDGE LANE<br>STE 104<br>LOUISVILLE, KY 40220

**Form 13F File Number:** 028-24805

**CRD Number (if applicable):** 000121880

**SEC File Number (if applicable):** 801-81053

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:** Robert W. DeRossett<br>**Title:** Chief Financial Officer / Chief Operating Officer<br>**Phone:** 502-901-5142

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

/s/ Robert W. DeRossett  Louisville, KY  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:** 109

**Form 13F Information Table Value Total:** $144802155

      (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 |  | 111372 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| AEGON LTD | AMER REG 1 CERT | 0076CA104 |  | 6734 | 930 | SH |  | SOLE |  | 0 | 0 | 930 |
| AIRBNB INC | COM CL A | 009066101 |  | 4632 | 35 | SH |  | SOLE |  | 0 | 0 | 35 |
| AMEREN CORP | COM | 023608102 |  | 99978 | 1041 | SH |  | SOLE |  | 0 | 0 | 1041 |
| APPLE INC | COM | 037833100 |  | 67107 | 327 | SH |  | SOLE |  | 0 | 0 | 327 |
| ASANA INC | CL A | 04342Y104 |  | 567 | 42 | SH |  | SOLE |  | 0 | 0 | 42 |
| BIOLIFE SOLUTIONS INC | COM NEW | 09062W204 |  | 8530 | 396 | SH |  | SOLE |  | 0 | 0 | 396 |
| BRIGHTHOUSE FINL INC | COM | 10922N103 |  | 377 | 7 | SH |  | SOLE |  | 0 | 0 | 7 |
| BROWN FORMAN CORP | CL B | 115637209 |  | 673 | 25 | SH |  | SOLE |  | 0 | 0 | 25 |
| COHEN  STEERS INC | COM | 19247A100 |  | 1055503 | 14008 | SH |  | SOLE |  | 0 | 0 | 14008 |
| CVS HEALTH CORP | COM | 126650100 |  | 34490 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 3919564 | 132061 | SH |  | SOLE |  | 2286 | 0 | 129775 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS HI | 25434V757 |  | 25617 | 915 | SH |  | SOLE |  | 0 | 0 | 915 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 269530 | 9310 | SH |  | SOLE |  | 0 | 0 | 9310 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 3180220 | 74252 | SH |  | SOLE |  | 0 | 0 | 74252 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 1048917 | 30342 | SH |  | SOLE |  | 0 | 0 | 30342 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 15543235 | 499943 | SH |  | SOLE |  | 10434 | 0 | 489509 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 129395 | 4336 | SH |  | SOLE |  | 0 | 0 | 4336 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 135242 | 4109 | SH |  | SOLE |  | 0 | 0 | 4109 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 2068628 | 43087 | SH |  | SOLE |  | 2910 | 0 | 40177 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 11301093 | 222682 | SH |  | SOLE |  | 969 | 0 | 221713 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 152352 | 3597 | SH |  | SOLE |  | 0 | 0 | 3597 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 278852 | 7780 | SH |  | SOLE |  | 30 | 0 | 7750 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 17568257 | 262135 | SH |  | SOLE |  | 2514 | 0 | 259621 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 7945465 | 256140 | SH |  | SOLE |  | 1046 | 0 | 255094 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 14957311 | 353768 | SH |  | SOLE |  | 155 | 0 | 353613 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 5358591 | 228414 | SH |  | SOLE |  | 5813 | 0 | 222601 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 17785365 | 279161 | SH |  | SOLE |  | 5340 | 0 | 273821 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 4674866 | 158847 | SH |  | SOLE |  | 5505 | 0 | 153342 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 8326431 | 154307 | SH |  | SOLE |  | 0 | 0 | 154307 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 |  | 258356 | 3851 | SH |  | SOLE |  | 208 | 0 | 3643 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 33392 | 1137 | SH |  | SOLE |  | 12 | 0 | 1125 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 33912 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| DROPBOX INC | CL A | 26210C104 |  | 2860 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| FIDELITY COVINGTON TRUST | CONSMR STAPLES | 316092303 |  | 2916 | 57 | SH |  | SOLE |  | 0 | 0 | 57 |
| FIDELITY COVINGTON TRUST | MSCI COMMNTN SVC | 316092873 |  | 6287 | 97 | SH |  | SOLE |  | 0 | 0 | 97 |
| FIDELITY COVINGTON TRUST | MSCI CONSM DIS | 316092204 |  | 3199 | 34 | SH |  | SOLE |  | 0 | 0 | 34 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 1173 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| FIDELITY COVINGTON TRUST | MSCI FINLS IDX | 316092501 |  | 3777 | 51 | SH |  | SOLE |  | 0 | 0 | 51 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 |  | 8186 | 128 | SH |  | SOLE |  | 0 | 0 | 128 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 17553 | 89 | SH |  | SOLE |  | 0 | 0 | 89 |
| FIFTH THIRD BANCORP | COM | 316773100 |  | 946 | 23 | SH |  | SOLE |  | 0 | 0 | 23 |
| FIRST BUSEY CORP | COM NEW | 319383204 |  | 10848 | 474 | SH |  | SOLE |  | 0 | 0 | 474 |
| FIRST TR EXCHANGE-TRADED ALP | COM SHS | 33735K108 |  | 65672 | 435 | SH |  | SOLE |  | 0 | 0 | 435 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 336917109 |  | 109909 | 2625 | SH |  | SOLE |  | 0 | 0 | 2625 |
| HEWLETT PACKARD ENTERPRISE C | COM | 42824C109 |  | 21 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| INTEL CORP | COM | 458140100 |  | 24125 | 1077 | SH |  | SOLE |  | 0 | 0 | 1077 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 1695 | 81 | SH |  | SOLE |  | 0 | 0 | 81 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 353582 | 5670 | SH |  | SOLE |  | 0 | 0 | 5670 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 100677 | 1206 | SH |  | SOLE |  | 0 | 0 | 1206 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 141716 | 2285 | SH |  | SOLE |  | 0 | 0 | 2285 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 8631 | 87 | SH |  | SOLE |  | 0 | 0 | 87 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 2222 | 35 | SH |  | SOLE |  | 0 | 0 | 35 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 91100 | 845 | SH |  | SOLE |  | 0 | 0 | 845 |
| ISHARES TR | GNMA BOND ETF | 46429B333 |  | 516061 | 11742 | SH |  | SOLE |  | 0 | 0 | 11742 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 32466 | 673 | SH |  | SOLE |  | 0 | 0 | 673 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 3448 | 33 | SH |  | SOLE |  | 0 | 0 | 33 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 547709 | 1290 | SH |  | SOLE |  | 0 | 0 | 1290 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 308244 | 1587 | SH |  | SOLE |  | 0 | 0 | 1587 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 117174 | 543 | SH |  | SOLE |  | 0 | 0 | 543 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 87939 | 450 | SH |  | SOLE |  | 0 | 0 | 450 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 41160 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| KOHLS CORP | COM | 500255104 |  | 1696 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| METLIFE INC | COM | 59156R108 |  | 6675 | 83 | SH |  | SOLE |  | 0 | 0 | 83 |
| MR COOPER GROUP INC | COM | 62482R107 |  | 597 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| NET LEASE OFFICE PROPERTIES | COM | 64110Y108 |  | 3776 | 116 | SH |  | SOLE |  | 0 | 0 | 116 |
| NOVOCURE LTD | ORD SHS | G6674U108 |  | 2457 | 138 | SH |  | SOLE |  | 0 | 0 | 138 |
| PELOTON INTERACTIVE INC | CL A COM | 70614W100 |  | 243 | 35 | SH |  | SOLE |  | 0 | 0 | 35 |
| PG CORP | COM | 69331C108 |  | 12881 | 924 | SH |  | SOLE |  | 0 | 0 | 924 |
| REPUBLIC BANCORP INC KY | CL A | 760281204 |  | 299313 | 4094 | SH |  | SOLE |  | 0 | 0 | 4094 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 3346 | 111 | SH |  | SOLE |  | 0 | 0 | 111 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 25946 | 1174 | SH |  | SOLE |  | 0 | 0 | 1174 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 2130 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 10779 | 441 | SH |  | SOLE |  | 0 | 0 | 441 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 7724 | 365 | SH |  | SOLE |  | 0 | 0 | 365 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 14219 | 562 | SH |  | SOLE |  | 0 | 0 | 562 |
| SPDR SERIES TRUST | NUVEEN ICE SHORT | 78468R739 |  | 7940 | 166 | SH |  | SOLE |  | 0 | 0 | 166 |
| STOCK YDS BANCORP INC | COM | 861025104 |  | 124394 | 1575 | SH |  | SOLE |  | 0 | 0 | 1575 |
| THE BEACHBODY COMPANY INC | COM CL A NEW | 073463309 |  | 54 | 13 | SH |  | SOLE |  | 0 | 0 | 13 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 22301 | 55 | SH |  | SOLE |  | 0 | 0 | 55 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 24958 | 80 | SH |  | SOLE |  | 0 | 0 | 80 |
| UNITY SOFTWARE INC | COM | 91332U101 |  | 49 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 1811487 | 23422 | SH |  | SOLE |  | 0 | 0 | 23422 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 361156 | 4905 | SH |  | SOLE |  | 0 | 0 | 4905 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 3773488 | 75674 | SH |  | SOLE |  | 456 | 0 | 75218 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 6938 | 36 | SH |  | SOLE |  | 0 | 0 | 36 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 788244 | 1798 | SH |  | SOLE |  | 0 | 0 | 1798 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 100711 | 353 | SH |  | SOLE |  | 0 | 0 | 353 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 35539 | 127 | SH |  | SOLE |  | 0 | 0 | 127 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 527212 | 928 | SH |  | SOLE |  | 0 | 0 | 928 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 2642315 | 13550 | SH |  | SOLE |  | 0 | 0 | 13550 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 386003 | 1629 | SH |  | SOLE |  | 0 | 0 | 1629 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 2522370 | 9108 | SH |  | SOLE |  | 0 | 0 | 9108 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 425990 | 1402 | SH |  | SOLE |  | 0 | 0 | 1402 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2767431 | 15658 | SH |  | SOLE |  | 0 | 0 | 15658 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 457231 | 6802 | SH |  | SOLE |  | 0 | 0 | 6802 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 861822 | 17425 | SH |  | SOLE |  | 0 | 0 | 17425 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 162501 | 1209 | SH |  | SOLE |  | 0 | 0 | 1209 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 3369 | 73 | SH |  | SOLE |  | 0 | 0 | 73 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 5193 | 40 | SH |  | SOLE |  | 0 | 0 | 40 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 636620 | 12664 | SH |  | SOLE |  | 0 | 0 | 12664 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 116088 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 834086 | 10492 | SH |  | SOLE |  | 355 | 0 | 10137 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 122620 | 1775 | SH |  | SOLE |  | 0 | 0 | 1775 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 992830 | 17415 | SH |  | SOLE |  | 0 | 0 | 17415 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 757581 | 7506 | SH |  | SOLE |  | 0 | 0 | 7506 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 476256 | 3630 | SH |  | SOLE |  | 0 | 0 | 3630 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 3566862 | 9741 | SH |  | SOLE |  | 0 | 0 | 9741 |
| WP CAREY INC | COM | 92936U109 |  | 92884 | 1489 | SH |  | SOLE |  | 0 | 0 | 1489 |

---