# EDGAR Filing Document

**Accession Number:** 0002078684
**File Stem:** 0002078684-25-000003
**Filing Date:** 2025-10
**Character Count:** 14710
**Document Hash:** da00fe1d0a552ea932cb42ef53ded91f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002078684-25-000003.hdr.sgml**: 20251016

**ACCESSION NUMBER**: 0002078684-25-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251016

**DATE AS OF CHANGE**: 20251016

**EFFECTIVENESS DATE**: 20251016

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Gladwyn Financial Advisors, Inc.
- **CENTRAL INDEX KEY:** 0002078684

**ORGANIZATION NAME:**
- **EIN:** 541652082
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25671
- **FILM NUMBER:** 251396743

**BUSINESS ADDRESS:**
- **STREET 1:** 13603 GLADWYN COURT
- **CITY:** CHANTILLY
- **STATE:** VA
- **ZIP:** 20151
- **BUSINESS PHONE:** 7038108424

**MAIL ADDRESS:**
- **STREET 1:** 13603 GLADWYN COURT
- **CITY:** CHANTILLY
- **STATE:** VA
- **ZIP:** 20151

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** Gladwyn Financial Advisors Inc.<br>**Address:** 13603 GLADWYN COURT<br>CHANTILLY, VA 20151

**Form 13F File Number:** 028-25671

**CRD Number (if applicable):** 000135544

**SEC File Number (if applicable):** 801-131574

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:** Timothy T. Murray<br>**Title:** President<br>**Phone:** 703-810-8424

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

Timothy T. Murray  Chantilly, VA  10-16-2025<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:** 111

**Form 13F Information Table Value Total:** $139345860

      (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 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 231865 | 3249 | SH |  | OTR |  | 0 | 0 | 3249 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 4202837 | 49968 | SH |  | SOLE |  | 0 | 0 | 49968 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 161855 | 3272 | SH |  | OTR |  | 0 | 0 | 3272 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 13185 | 300 | SH |  | OTR |  | 0 | 0 | 300 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 352942 | 4473 | SH |  | OTR |  | 0 | 0 | 4473 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 25853 | 232 | SH |  | SOLE |  | 0 | 0 | 232 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 280982 | 586 | SH |  | OTR |  | 0 | 0 | 586 |
| GE AEROSPACE | COM NEW | 369604301 |  | 421783 | 1402 | SH |  | OTR |  | 0 | 0 | 1402 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 91143 | 195 | SH |  | SOLE |  | 0 | 0 | 195 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 40540 | 759 | SH |  | SOLE |  | 0 | 0 | 759 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 687192 | 9103 | SH |  | OTR |  | 0 | 0 | 9103 |
| ISHARES TR | MORNINGSTAR VALU | 464288109 |  | 4074 | 45 | SH |  | SOLE |  | 0 | 0 | 45 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 24193 | 396 | SH |  | SOLE |  | 0 | 0 | 396 |
| CORTEVA INC | COM | 22052L104 |  | 22506 | 333 | SH |  | OTR |  | 0 | 0 | 333 |
| CHEMOURS CO | COM | 163851108 |  | 685 | 43 | SH |  | OTR |  | 0 | 0 | 43 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 58605 | 520 | SH |  | SOLE |  | 0 | 0 | 520 |
| WALMART INC | COM | 931142103 |  | 188371 | 1828 | SH |  | OTR |  | 0 | 0 | 1828 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 103669 | 316 | SH |  | SOLE |  | 0 | 0 | 316 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 6488993 | 119767 | SH |  | SOLE |  | 0 | 0 | 119767 |
| UNION PAC CORP | COM | 907818108 |  | 73078 | 309 | SH |  | OTR |  | 0 | 0 | 309 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 545896 | 8397 | SH |  | OTR |  | 0 | 0 | 8397 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2114541 | 42753 | SH |  | SOLE |  | 0 | 0 | 42753 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 581478 | 7579 | SH |  | OTR |  | 0 | 0 | 7579 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 1080360 | 3630 | SH |  | OTR |  | 0 | 0 | 3630 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 2796546 | 34444 | SH |  | SOLE |  | 0 | 0 | 34444 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 262556 | 1408 | SH |  | OTR |  | 0 | 0 | 1408 |
| CARNIVAL CORP | UNIT 99/99/9999 | 143658300 |  | 2891 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| DUPONT DE NEMOURS INC | COM | 26614N102 |  | 92382 | 1186 | SH |  | OTR |  | 0 | 0 | 1186 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 581500 | 1844 | SH |  | OTR |  | 0 | 0 | 1844 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 3993362 | 33414 | SH |  | SOLE |  | 0 | 0 | 33414 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 14363 | 104 | SH |  | SOLE |  | 0 | 0 | 104 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 2163863 | 19412 | SH |  | SOLE |  | 0 | 0 | 19412 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 86983 | 469 | SH |  | OTR |  | 0 | 0 | 469 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 15070 | 452 | SH |  | SOLE |  | 0 | 0 | 452 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 508951 | 7721 | SH |  | OTR |  | 0 | 0 | 7721 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 15025 | 128 | SH |  | OTR |  | 0 | 0 | 128 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 2200239 | 23114 | SH |  | SOLE |  | 0 | 0 | 23114 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 169422 | 1780 | SH |  | OTR |  | 0 | 0 | 1780 |
| ISHARES INC | JP MRG EM CRP BD | 464286251 |  | 2774235 | 60022 | SH |  | SOLE |  | 0 | 0 | 60022 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 198644 | 2969 | SH |  | OTR |  | 0 | 0 | 2969 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1113478 | 11107 | SH |  | SOLE |  | 0 | 0 | 11107 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 146519 | 576 | SH |  | SOLE |  | 0 | 0 | 576 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 352013 | 2556 | SH |  | OTR |  | 0 | 0 | 2556 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 140874 | 3205 | SH |  | SOLE |  | 0 | 0 | 3205 |
| CACI INTL INC | CL A | 127190304 |  | 648414 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 45969 | 388 | SH |  | SOLE |  | 0 | 0 | 388 |
| LINCOLN NATL CORP IND | COM | 534187109 |  | 8881 | 220 | SH |  | OTR |  | 0 | 0 | 220 |
| AMAZON COM INC | COM | 023135106 |  | 314052 | 1430 | SH |  | SOLE |  | 0 | 0 | 1430 |
| GE VERNOVA INC | COM | 36828A101 |  | 251929 | 410 | SH |  | OTR |  | 0 | 0 | 410 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 355992 | 2979 | SH |  | OTR |  | 0 | 0 | 2979 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 2192021 | 32766 | SH |  | SOLE |  | 0 | 0 | 32766 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 260635 | 437 | SH |  | SOLE |  | 0 | 0 | 437 |
| PPG INDS INC | COM | 693506107 |  | 28458 | 271 | SH |  | OTR |  | 0 | 0 | 271 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 1486 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 2520 | 37 | SH |  | SOLE |  | 0 | 0 | 37 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 69605 | 332 | SH |  | SOLE |  | 0 | 0 | 332 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 348445 | 6128 | SH |  | OTR |  | 0 | 0 | 6128 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 4264417 | 189277 | SH |  | SOLE |  | 0 | 0 | 189277 |
| COCA COLA CO | COM | 191216100 |  | 505030 | 7615 | SH |  | OTR |  | 0 | 0 | 7615 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 188975 | 1695 | SH |  | OTR |  | 0 | 0 | 1695 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 4228218 | 52899 | SH |  | SOLE |  | 0 | 0 | 52899 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 20076 | 229 | SH |  | SOLE |  | 0 | 0 | 229 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 42938 | 511 | SH |  | OTR |  | 0 | 0 | 511 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1049416 | 2188 | SH |  | SOLE |  | 0 | 0 | 2188 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 1871138 | 5487 | SH |  | OTR |  | 0 | 0 | 5487 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 354563 | 4436 | SH |  | OTR |  | 0 | 0 | 4436 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 7330355 | 53219 | SH |  | SOLE |  | 0 | 0 | 53219 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 235418 | 4345 | SH |  | OTR |  | 0 | 0 | 4345 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 56014 | 254 | SH |  | OTR |  | 0 | 0 | 254 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 150020 | 1331 | SH |  | OTR |  | 0 | 0 | 1331 |
| DOW INC | COM | 260557103 |  | 28952 | 1263 | SH |  | OTR |  | 0 | 0 | 1263 |
| GE HEALTHCARE TECHNOLOGIES I | COMMON STOCK | 36266G107 |  | 34912 | 465 | SH |  | OTR |  | 0 | 0 | 465 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 409230 | 1393 | SH |  | OTR |  | 0 | 0 | 1393 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 530531 | 39503 | SH |  | OTR |  | 0 | 0 | 39503 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1020399 | 5472 | SH |  | SOLE |  | 0 | 0 | 5472 |
| VANGUARD WORLD FD | EXTENDED DUR | 921910709 |  | 83539 | 1220 | SH |  | SOLE |  | 0 | 0 | 1220 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 38755 | 327 | SH |  | SOLE |  | 0 | 0 | 327 |
| INGERSOLL RAND INC | COM | 45687V106 |  | 41341 | 500 | SH |  | OTR |  | 0 | 0 | 500 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 192442 | 1679 | SH |  | OTR |  | 0 | 0 | 1679 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 9455521 | 31770 | SH |  | SOLE |  | 0 | 0 | 31770 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 9634781 | 32795 | SH |  | SOLE |  | 0 | 0 | 32795 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 214592 | 509 | SH |  | OTR |  | 0 | 0 | 509 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 53369 | 531 | SH |  | OTR |  | 0 | 0 | 531 |
| 3M CO | COM | 88579Y101 |  | 116146 | 748 | SH |  | OTR |  | 0 | 0 | 748 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 5060277 | 70902 | SH |  | SOLE |  | 0 | 0 | 70902 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 88535 | 301 | SH |  | SOLE |  | 0 | 0 | 301 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 9418404 | 45127 | SH |  | SOLE |  | 0 | 0 | 45127 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 348551 | 4293 | SH |  | OTR |  | 0 | 0 | 4293 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 326660 | 2126 | SH |  | OTR |  | 0 | 0 | 2126 |
| SOLVENTUM CORP | COM SHS | 83444M101 |  | 13578 | 186 | SH |  | OTR |  | 0 | 0 | 186 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 43184 | 802 | SH |  | SOLE |  | 0 | 0 | 802 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 998227 | 4783 | SH |  | OTR |  | 0 | 0 | 4783 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 410228 | 1019 | SH |  | OTR |  | 0 | 0 | 1019 |
| PFIZER INC | COM | 717081103 |  | 13046 | 512 | SH |  | OTR |  | 0 | 0 | 512 |
| ALLSTATE CORP | COM | 020002101 |  | 155192 | 723 | SH |  | OTR |  | 0 | 0 | 723 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 30008 | 125 | SH |  | SOLE |  | 0 | 0 | 125 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 631838 | 3619 | SH |  | OTR |  | 0 | 0 | 3619 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 252555 | 11210 | SH |  | OTR |  | 0 | 0 | 11210 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 5793 | 72 | SH |  | SOLE |  | 0 | 0 | 72 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 4223139 | 74273 | SH |  | SOLE |  | 0 | 0 | 74273 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 3191423 | 4791 | SH |  | SOLE |  | 0 | 0 | 4791 |
| NORWEGIAN CRUISE LINE HLDG L | SHS | G66721104 |  | 2463 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 6717429 | 47123 | SH |  | SOLE |  | 0 | 0 | 47123 |
| ALLEGION PLC | ORD SHS | G0176J109 |  | 61528 | 347 | SH |  | OTR |  | 0 | 0 | 347 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1406138 | 15060 | SH |  | SOLE |  | 0 | 0 | 15060 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 4148582 | 52574 | SH |  | SOLE |  | 0 | 0 | 52574 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 7268791 | 18063 | SH |  | SOLE |  | 0 | 0 | 18063 |
| ISHARES INC | JP MRG EM CRP BD | 464286251 |  | 345055 | 7465 | SH |  | OTR |  | 0 | 0 | 7465 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 2455604 | 182845 | SH |  | SOLE |  | 0 | 0 | 182845 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 9446426 | 54109 | SH |  | SOLE |  | 0 | 0 | 54109 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 178169 | 1250 | SH |  | OTR |  | 0 | 0 | 1250 |

---