# EDGAR Filing Document

**Accession Number:** 0001903044
**File Stem:** 0001903044-26-000001
**Filing Date:** 2026-2
**Character Count:** 15497
**Document Hash:** 418fc99628746818baf0419f9ff3b050
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001903044-26-000001.hdr.sgml**: 20260210

**ACCESSION NUMBER**: 0001903044-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260210

**DATE AS OF CHANGE**: 20260210

**EFFECTIVENESS DATE**: 20260210

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TAGStone Capital, Inc.
- **CENTRAL INDEX KEY:** 0001903044

**ORGANIZATION NAME:**
- **EIN:** 320355210
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21549
- **FILM NUMBER:** 26616315

**BUSINESS ADDRESS:**
- **STREET 1:** 1515 MOCKINGBIRD LANE
- **STREET 2:** SUITE 400
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28209
- **BUSINESS PHONE:** (704) 533-8900

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 11984
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28220

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** TAGStone Capital Inc.<br>**Address:** PO BOX 11984<br>CHARLOTTE, NC 28220

**Form 13F File Number:** 028-21549

**CRD Number (if applicable):** 000158864

**SEC File Number (if applicable):** 801-121704

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:** William Reid Culp III<br>**Title:** President<br>**Phone:** (704) 533-8900

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

William Reid Culp III  Charlotte, NC  02-10-2026<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:** 116

**Form 13F Information Table Value Total:** $268486224

      (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 |
| ISHARES TR | CORE S ETF | 464287200 |  | 23721327 | 34633 | SH |  | SOLE |  | 0 | 0 | 34633 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 17718772 | 211567 | SH |  | SOLE |  | 0 | 0 | 211567 |
| AMAZON COM INC | COM | 023135106 |  | 14738052 | 63851 | SH |  | SOLE |  | 0 | 0 | 63851 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 14162998 | 279625 | SH |  | SOLE |  | 0 | 0 | 279625 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 13209814 | 123803 | SH |  | SOLE |  | 0 | 0 | 123803 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 12534524 | 157212 | SH |  | SOLE |  | 0 | 0 | 157212 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 11232095 | 22346 | SH |  | SOLE |  | 0 | 0 | 22346 |
| VANGUARD MUN BD FDS | CORE TAX EXEMPT | 922907712 |  | 7846229 | 103827 | SH |  | SOLE |  | 0 | 0 | 103827 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 6356412 | 111889 | SH |  | SOLE |  | 0 | 0 | 111889 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 6131003 | 102973 | SH |  | SOLE |  | 0 | 0 | 102973 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 5988404 | 43730 | SH |  | SOLE |  | 0 | 0 | 43730 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 5946136 | 66467 | SH |  | SOLE |  | 0 | 0 | 66467 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 5325930 | 30027 | SH |  | SOLE |  | 0 | 0 | 30027 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 5238649 | 16737 | SH |  | SOLE |  | 0 | 0 | 16737 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 5209096 | 6041 | SH |  | SOLE |  | 0 | 0 | 6041 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 4627129 | 38005 | SH |  | SOLE |  | 0 | 0 | 38005 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 4116743 | 22074 | SH |  | SOLE |  | 0 | 0 | 22074 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4091898 | 21425 | SH |  | SOLE |  | 0 | 0 | 21425 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 4012354 | 44106 | SH |  | SOLE |  | 0 | 0 | 44106 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 3994235 | 79424 | SH |  | SOLE |  | 0 | 0 | 79424 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 3795880 | 18342 | SH |  | SOLE |  | 0 | 0 | 18342 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 3691166 | 12218 | SH |  | SOLE |  | 0 | 0 | 12218 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 3535674 | 9557 | SH |  | SOLE |  | 0 | 0 | 9557 |
| UNION PAC CORP | COM | 907818108 |  | 3411091 | 14746 | SH |  | SOLE |  | 0 | 0 | 14746 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 3344161 | 48000 | SH |  | SOLE |  | 0 | 0 | 48000 |
| TJX COS INC NEW | COM | 872540109 |  | 2984993 | 19432 | SH |  | SOLE |  | 0 | 0 | 19432 |
| WISDOMTREE TR | JPN SCAP HDG EQT | 97717W521 |  | 2508675 | 54067 | SH |  | SOLE |  | 0 | 0 | 54067 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 2409928 | 51726 | SH |  | SOLE |  | 0 | 0 | 51726 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 2385382 | 44272 | SH |  | SOLE |  | 0 | 0 | 44272 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 2283015 | 30420 | SH |  | SOLE |  | 0 | 0 | 30420 |
| APPLE INC | COM | 037833100 |  | 2138953 | 7868 | SH |  | SOLE |  | 0 | 0 | 7868 |
| BROADCOM INC | COM | 11135F101 |  | 1827759 | 5281 | SH |  | SOLE |  | 0 | 0 | 5281 |
| SPDR SER TR | S 600 SMCP GRW | 78464A201 |  | 1778075 | 18878 | SH |  | SOLE |  | 0 | 0 | 18878 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 1753573 | 37462 | SH |  | SOLE |  | 0 | 0 | 37462 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 1738768 | 16982 | SH |  | SOLE |  | 0 | 0 | 16982 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1572068 | 15661 | SH |  | SOLE |  | 0 | 0 | 15661 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1556599 | 7083 | SH |  | SOLE |  | 0 | 0 | 7083 |
| PROGRESSIVE CORP | COM | 743315103 |  | 1474907 | 6477 | SH |  | SOLE |  | 0 | 0 | 6477 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 1464902 | 15121 | SH |  | SOLE |  | 0 | 0 | 15121 |
| AMGEN INC | COM | 031162100 |  | 1351426 | 4129 | SH |  | SOLE |  | 0 | 0 | 4129 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1350589 | 1792 | SH |  | SOLE |  | 0 | 0 | 1792 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1333701 | 2818 | SH |  | SOLE |  | 0 | 0 | 2818 |
| MICROSOFT CORP | COM | 594918104 |  | 1261225 | 2608 | SH |  | SOLE |  | 0 | 0 | 2608 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 1258484 | 16232 | SH |  | SOLE |  | 0 | 0 | 16232 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 1246223 | 8502 | SH |  | SOLE |  | 0 | 0 | 8502 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 1238889 | 24494 | SH |  | SOLE |  | 0 | 0 | 24494 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 1099487 | 8355 | SH |  | SOLE |  | 0 | 0 | 8355 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 1074140 | 11440 | SH |  | SOLE |  | 0 | 0 | 11440 |
| ISHARES TR | CORE MSCI EMKT | 46434G103 |  | 1073528 | 15970 | SH |  | SOLE |  | 0 | 0 | 15970 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 1053611 | 10373 | SH |  | SOLE |  | 0 | 0 | 10373 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 986210 | 3061 | SH |  | SOLE |  | 0 | 0 | 3061 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 977375 | 11547 | SH |  | SOLE |  | 0 | 0 | 11547 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 917340 | 26620 | SH |  | SOLE |  | 0 | 0 | 26620 |
| VISA INC | COM CL A | 92826C839 |  | 861667 | 2457 | SH |  | SOLE |  | 0 | 0 | 2457 |
| BK OF AMERICA CORP | COM | 060505104 |  | 860353 | 15643 | SH |  | SOLE |  | 0 | 0 | 15643 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 852986 | 37246 | SH |  | SOLE |  | 0 | 0 | 37246 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 841010 | 8211 | SH |  | SOLE |  | 0 | 0 | 8211 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 819277 | 8232 | SH |  | SOLE |  | 0 | 0 | 8232 |
| META PLATFORMS INC | CL A | 30303M102 |  | 818779 | 1240 | SH |  | SOLE |  | 0 | 0 | 1240 |
| SPDR SER TR | S 400 MDCP VAL | 78464A839 |  | 805532 | 9516 | SH |  | SOLE |  | 0 | 0 | 9516 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 801827 | 18840 | SH |  | SOLE |  | 0 | 0 | 18840 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 780917 | 16286 | SH |  | SOLE |  | 0 | 0 | 16286 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 773007 | 5583 | SH |  | SOLE |  | 0 | 0 | 5583 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 745516 | 5281 | SH |  | SOLE |  | 0 | 0 | 5281 |
| LAUDER ESTEE COS INC | CL A | 518439104 |  | 743949 | 7104 | SH |  | SOLE |  | 0 | 0 | 7104 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 724525 | 6371 | SH |  | SOLE |  | 0 | 0 | 6371 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 687343 | 15123 | SH |  | SOLE |  | 0 | 0 | 15123 |
| INVESCO EXCH TRADED FD TR II | S SMLCAP QTY | 46138G300 |  | 686692 | 16313 | SH |  | SOLE |  | 0 | 0 | 16313 |
| ULTA BEAUTY INC | COM | 90384S303 |  | 680636 | 1125 | SH |  | SOLE |  | 0 | 0 | 1125 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 678482 | 2756 | SH |  | SOLE |  | 0 | 0 | 2756 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 670428 | 6710 | SH |  | SOLE |  | 0 | 0 | 6710 |
| LILLY ELI  CO | COM | 532457108 |  | 669693 | 623 | SH |  | SOLE |  | 0 | 0 | 623 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 635465 | 10454 | SH |  | SOLE |  | 0 | 0 | 10454 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 622512 | 5834 | SH |  | SOLE |  | 0 | 0 | 5834 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 606922 | 8046 | SH |  | SOLE |  | 0 | 0 | 8046 |
| ESAB CORPORATION | COM | 29605J106 |  | 588226 | 5260 | SH |  | SOLE |  | 0 | 0 | 5260 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434v666 |  | 559664 | 16360 | SH |  | SOLE |  | 0 | 0 | 16360 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 553234 | 3860 | SH |  | SOLE |  | 0 | 0 | 3860 |
| LAM RESEARCH CORP | COM NEW | 512807108 |  | 514320 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 502896 | 4215 | SH |  | SOLE |  | 0 | 0 | 4215 |
| KKR  CO INC | COM | 48251W104 |  | 484071 | 3797 | SH |  | SOLE |  | 0 | 0 | 3797 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 472860 | 770 | SH |  | SOLE |  | 0 | 0 | 770 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 471282 | 8912 | SH |  | SOLE |  | 0 | 0 | 8912 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 465369 | 8566 | SH |  | SOLE |  | 0 | 0 | 8566 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS HI | 25434V757 |  | 459968 | 14263 | SH |  | SOLE |  | 0 | 0 | 14263 |
| ISHARES U S ETF TR | BLACKROCK SHORT | 46431W838 |  | 455926 | 9061 | SH |  | SOLE |  | 0 | 0 | 9061 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 446473 | 1507 | SH |  | SOLE |  | 0 | 0 | 1507 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 437481 | 7996 | SH |  | SOLE |  | 0 | 0 | 7996 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 424984 | 12902 | SH |  | SOLE |  | 0 | 0 | 12902 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 423617 | 7346 | SH |  | SOLE |  | 0 | 0 | 7346 |
| PEPSICO INC | COM | 713448108 |  | 367942 | 2539 | SH |  | SOLE |  | 0 | 0 | 2539 |
| TESLA INC | COM | 88160R101 |  | 343308 | 763 | SH |  | SOLE |  | 0 | 0 | 763 |
| KONTOOR BRANDS INC | COM | 50050N103 |  | 342301 | 5603 | SH |  | SOLE |  | 0 | 0 | 5603 |
| RTX CORPORATION | COM | 75513E101 |  | 333126 | 1816 | SH |  | SOLE |  | 0 | 0 | 1816 |
| BROOKFIELD CORP | CL A LTD VT SH | 11271J107 |  | 306912 | 6688 | SH |  | SOLE |  | 0 | 0 | 6688 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 299653 | 3753 | SH |  | SOLE |  | 0 | 0 | 3753 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 297994 | 5979 | SH |  | SOLE |  | 0 | 0 | 5979 |
| ISHARES TR | U S EQUITY FACTR | 46434V282 |  | 295884 | 4262 | SH |  | SOLE |  | 0 | 0 | 4262 |
| INVESCO EXCHANGE TRADED FD T | S SMLCP MOMENT | 46137V498 |  | 290584 | 4035 | SH |  | SOLE |  | 0 | 0 | 4035 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 281235 | 7521 | SH |  | SOLE |  | 0 | 0 | 7521 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 280663 | 2915 | SH |  | SOLE |  | 0 | 0 | 2915 |
| APPLIED MATLS INC | COM | 038222105 |  | 271124 | 1055 | SH |  | SOLE |  | 0 | 0 | 1055 |
| INVESCO EXCHANGE TRADED FD T | S 500 GARP ETF | 46137V431 |  | 247713 | 2176 | SH |  | SOLE |  | 0 | 0 | 2176 |
| AIM ETF PRODUCTS TRUST | US LARCP B20 MAR | 00888H778 |  | 242771 | 7069 | SH |  | SOLE |  | 0 | 0 | 7069 |
| AIM ETF PRODUCTS TRUST | US LRGCP B20 JUN | 00888H737 |  | 240559 | 7205 | SH |  | SOLE |  | 0 | 0 | 7205 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 235395 | 3023 | SH |  | SOLE |  | 0 | 0 | 3023 |
| AIM ETF PRODUCTS TRUST | ALLIANZIM US LRG | 00888H687 |  | 234121 | 7335 | SH |  | SOLE |  | 0 | 0 | 7335 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 233246 | 1449 | SH |  | SOLE |  | 0 | 0 | 1449 |
| AIM ETF PRODUCTS TRUST | ALLIANZIM US EQT | 00888H794 |  | 232184 | 6841 | SH |  | SOLE |  | 0 | 0 | 6841 |
| KRANESHARES TRUST | CSI CHI INTERNET | 500767306 |  | 232061 | 6815 | SH |  | SOLE |  | 0 | 0 | 6815 |
| MARKEL GROUP INC | COM | 570535104 |  | 204516 | 107 | SH |  | SOLE |  | 0 | 0 | 107 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 209514 | 1116 | SH |  | SOLE |  | 0 | 0 | 1116 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 205231 | 6399 | SH |  | SOLE |  | 0 | 0 | 6399 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 216657 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 204768 | 977 | SH |  | SOLE |  | 0 | 0 | 977 |
| TOPGOLF CALLAWAY BRANDS CORP | COM | 131193104 |  | 129276 | 13608 | SH |  | SOLE |  | 0 | 0 | 13608 |

---