# EDGAR Filing Document

**Accession Number:** 0001482106
**File Stem:** 0001085146-25-004178
**Filing Date:** 2025-7
**Character Count:** 13477
**Document Hash:** 9c93b6a3ef502f6e51d0a23352cd2367
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-25-004178.hdr.sgml**: 20250725

**ACCESSION NUMBER**: 0001085146-25-004178

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250725

**DATE AS OF CHANGE**: 20250725

**EFFECTIVENESS DATE**: 20250725

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Courage Miller Partners, LLC
- **CENTRAL INDEX KEY:** 0001482106

**ORGANIZATION NAME:**
- **EIN:** 262737153
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-14916
- **FILM NUMBER:** 251151786

**BUSINESS ADDRESS:**
- **STREET 1:** 101 WEST MAIN ST
- **STREET 2:** SUITE 720
- **CITY:** NORFOLK
- **STATE:** VA
- **ZIP:** 23510
- **BUSINESS PHONE:** 757-390-3100

**MAIL ADDRESS:**
- **STREET 1:** 101 WEST MAIN ST
- **STREET 2:** SUITE 720
- **CITY:** NORFOLK
- **STATE:** VA
- **ZIP:** 23510

### 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:** Courage Miller Partners LLC<br>**Address:** 101 WEST MAIN ST<br>SUITE 720<br>NORFOLK, VA 23510

**Form 13F File Number:** 028-14916

**CRD Number (if applicable):** 000147360

**SEC File Number (if applicable):** 801-69242

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:** Ralph Courage<br>**Title:** Managing Member and Chief Compliance Officer<br>**Phone:** 757-390-3100

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

/s/Ralph Courage  Norfolk, VA  07-25-2025<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:** 86

**Form 13F Information Table Value Total:** $315410423

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 1073313 | 6090 | SH |  | SOLE |  | 0 | 0 | 6090 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 317351 | 1789 | SH |  | SOLE |  | 0 | 0 | 1789 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1733181 | 7900 | SH |  | SOLE |  | 0 | 0 | 7900 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1748835 | 8524 | SH |  | SOLE |  | 0 | 0 | 8524 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1384445 | 2850 | SH |  | SOLE |  | 0 | 0 | 2850 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 901040 | 910 | SH |  | SOLE |  | 0 | 0 | 910 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 253347 | 325 | SH |  | SOLE |  | 0 | 0 | 325 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 1134235 | 10522 | SH |  | SOLE |  | 0 | 0 | 10522 |
| GE VERNOVA INC | COM | 36828A101 | BBG013G17W77 | 287858 | 544 | SH |  | SOLE |  | 0 | 0 | 544 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 238014 | 438 | SH |  | SOLE |  | 0 | 0 | 438 |
| INVESCO EXCHANGE TRADED FD T | S MIDCAP 400 | 46137V225 | BBG00KJR2CS6 | 216722 | 1983 | SH |  | SOLE |  | 0 | 0 | 1983 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 10578670 | 58208 | SH |  | SOLE |  | 0 | 0 | 58208 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 564882 | 9410 | SH |  | SOLE |  | 0 | 0 | 9410 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 548137 | 12706 | SH |  | SOLE |  | 0 | 0 | 12706 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 | BBG003HC6JD6 | 24801368 | 509792 | SH |  | SOLE |  | 0 | 0 | 509792 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 | BBG001T3YVL0 | 692263 | 8301 | SH |  | SOLE |  | 0 | 0 | 8301 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 1731583 | 20742 | SH |  | SOLE |  | 0 | 0 | 20742 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 | BBG003H6TMV7 | 1179971 | 15857 | SH |  | SOLE |  | 0 | 0 | 15857 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 849700 | 13700 | SH |  | SOLE |  | 0 | 0 | 13700 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 490552 | 4489 | SH |  | SOLE |  | 0 | 0 | 4489 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 2889330 | 4653 | SH |  | SOLE |  | 0 | 0 | 4653 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 278256 | 2805 | SH |  | SOLE |  | 0 | 0 | 2805 |
| ISHARES TR | EAFE SML CP ETF | 464288273 | BBG001SYVWS7 | 479636 | 6599 | SH |  | SOLE |  | 0 | 0 | 6599 |
| ISHARES TR | GLOB HLTHCRE ETF | 464287325 | BBG001SJX8Q3 | 216086 | 2510 | SH |  | SOLE |  | 0 | 0 | 2510 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | BBG001SSD858 | 20668315 | 391742 | SH |  | SOLE |  | 0 | 0 | 391742 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 | BBG001SSD849 | 2435566 | 45704 | SH |  | SOLE |  | 0 | 0 | 45704 |
| ISHARES TR | MORNINGSTAR GRWT | 464287119 | BBG001SBRHJ5 | 555431 | 5732 | SH |  | SOLE |  | 0 | 0 | 5732 |
| ISHARES TR | MORNINGSTAR VALU | 464288109 | BBG001SBRHX9 | 300704 | 3606 | SH |  | SOLE |  | 0 | 0 | 3606 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 | BBG001SBRK44 | 2046587 | 25509 | SH |  | SOLE |  | 0 | 0 | 25509 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 | BBG001SBRK53 | 1542090 | 20296 | SH |  | SOLE |  | 0 | 0 | 20296 |
| ISHARES TR | MRGSTR SM CP GR | 464288604 | BBG001SBRKD4 | 684001 | 13746 | SH |  | SOLE |  | 0 | 0 | 13746 |
| ISHARES TR | MRNING SM CP ETF | 464288703 | BBG001SBRKG1 | 608007 | 9904 | SH |  | SOLE |  | 0 | 0 | 9904 |
| ISHARES TR | MSCI ACWI ETF | 464288257 | BBG001S56QV7 | 610850 | 4750 | SH |  | SOLE |  | 0 | 0 | 4750 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 | BBG001SK77D5 | 390622 | 8097 | SH |  | SOLE |  | 0 | 0 | 8097 |
| ISHARES TR | NORTH AMERN NAT | 464287374 | BBG001SJKDG7 | 2295439 | 51874 | SH |  | SOLE |  | 0 | 0 | 51874 |
| ISHARES TR | RESIDENTIAL MULT | 464288562 | BBG001ST7G73 | 525576 | 6383 | SH |  | SOLE |  | 0 | 0 | 6383 |
| ISHARES TR | RUS MID CAP ETF | 464287499 | BBG001SJCNS1 | 216497 | 2354 | SH |  | SOLE |  | 0 | 0 | 2354 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 619138 | 5623 | SH |  | SOLE |  | 0 | 0 | 5623 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 303683 | 1554 | SH |  | SOLE |  | 0 | 0 | 1554 |
| ISHARES TR | SELECT DIVID ETF | 464287168 | BBG001SDJVG2 | 371191 | 2795 | SH |  | SOLE |  | 0 | 0 | 2795 |
| ISHARES TR | SELECT US REIT | 464287564 | BBG001SDX760 | 271550 | 4440 | SH |  | SOLE |  | 0 | 0 | 4440 |
| ISHARES TR | SHORT TREAS BD | 464288679 | BBG001SSD803 | 903236 | 8180 | SH |  | SOLE |  | 0 | 0 | 8180 |
| ISHARES TR | TIPS BD ETF | 464287176 | BBG001SD9RM5 | 487367 | 4429 | SH |  | SOLE |  | 0 | 0 | 4429 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 | BBG001SFGXJ3 | 651216 | 6872 | SH |  | SOLE |  | 0 | 0 | 6872 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 | BBG005PCDCZ5 | 372617 | 7348 | SH |  | SOLE |  | 0 | 0 | 7348 |
| LISTED FDS TR | WAHED DOW JONES | 53656F268 | BBG014FFM577 | 246580 | 9256 | SH |  | SOLE |  | 0 | 0 | 9256 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 257986 | 883 | SH |  | SOLE |  | 0 | 0 | 883 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 289520 | 582 | SH |  | SOLE |  | 0 | 0 | 582 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 273195 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| PIMCO ETF TR | 1-5 US TIP IDX | 72201R205 | BBG001T5DWK7 | 542620 | 10084 | SH |  | SOLE |  | 0 | 0 | 10084 |
| S GLOBAL INC | COM | 78409V104 | BBG001S5T5M8 | 313738 | 595 | SH |  | SOLE |  | 0 | 0 | 595 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 6850583 | 227292 | SH |  | SOLE |  | 0 | 0 | 227292 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 29265239 | 1324219 | SH |  | SOLE |  | 0 | 0 | 1324219 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 7872694 | 184848 | SH |  | SOLE |  | 0 | 0 | 184848 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | BBG001T9F795 | 17707274 | 726303 | SH |  | SOLE |  | 0 | 0 | 726303 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 382670 | 16466 | SH |  | SOLE |  | 0 | 0 | 16466 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 11831764 | 446482 | SH |  | SOLE |  | 0 | 0 | 446482 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 8880473 | 304022 | SH |  | SOLE |  | 0 | 0 | 304022 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 7581597 | 274001 | SH |  | SOLE |  | 0 | 0 | 274001 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 45574596 | 1864754 | SH |  | SOLE |  | 0 | 0 | 1864754 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 12968084 | 462320 | SH |  | SOLE |  | 0 | 0 | 462320 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 10225618 | 483252 | SH |  | SOLE |  | 0 | 0 | 483252 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 9567891 | 378178 | SH |  | SOLE |  | 0 | 0 | 378178 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 531014 | 1742 | SH |  | SOLE |  | 0 | 0 | 1742 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 | BBG001SRXRN6 | 6543965 | 200366 | SH |  | SOLE |  | 0 | 0 | 200366 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 1385838 | 2243 | SH |  | SOLE |  | 0 | 0 | 2243 |
| SPDR SERIES TRUST | S 400 MDCP GRW | 78464A821 | BBG001SPTBN0 | 2762143 | 31796 | SH |  | SOLE |  | 0 | 0 | 31796 |
| SPDR SERIES TRUST | S 400 MDCP VAL | 78464A839 | BBG001SPTBM1 | 2469327 | 31088 | SH |  | SOLE |  | 0 | 0 | 31088 |
| SPDR SERIES TRUST | S 600 SMCP GRW | 78464A201 | BBG001SG4275 | 1458177 | 16430 | SH |  | SOLE |  | 0 | 0 | 16430 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 | BBG001SG3JV2 | 1456959 | 18267 | SH |  | SOLE |  | 0 | 0 | 18267 |
| TIDAL TRUST I | SP FDS S 500 | 886364801 | BBG00R3N9FK1 | 317263 | 7152 | SH |  | SOLE |  | 0 | 0 | 7152 |
| TRAVELERS COMPANIES INC | COM | 89417E109 | BBG001S5R103 | 201993 | 755 | SH |  | SOLE |  | 0 | 0 | 755 |
| UNION PAC CORP | COM | 907818108 | BBG001S5X2M0 | 1193655 | 5188 | SH |  | SOLE |  | 0 | 0 | 5188 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 943703 | 12202 | SH |  | SOLE |  | 0 | 0 | 12202 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 4256490 | 54085 | SH |  | SOLE |  | 0 | 0 | 54085 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 16772927 | 227800 | SH |  | SOLE |  | 0 | 0 | 227800 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 403507 | 8150 | SH |  | SOLE |  | 0 | 0 | 8150 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 367181 | 1287 | SH |  | SOLE |  | 0 | 0 | 1287 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 280110 | 1001 | SH |  | SOLE |  | 0 | 0 | 1001 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 202219 | 356 | SH |  | SOLE |  | 0 | 0 | 356 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 334616 | 1412 | SH |  | SOLE |  | 0 | 0 | 1412 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 1575863 | 5185 | SH |  | SOLE |  | 0 | 0 | 5185 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 472153 | 7024 | SH |  | SOLE |  | 0 | 0 | 7024 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 8027113 | 162295 | SH |  | SOLE |  | 0 | 0 | 162295 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 947567 | 7108 | SH |  | SOLE |  | 0 | 0 | 7108 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 426060 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |

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