# EDGAR Filing Document

**Accession Number:** 0001919701
**File Stem:** 0001951757-26-000298
**Filing Date:** 2026-1
**Character Count:** 9312
**Document Hash:** fc40177cc40f04b72a0664dc729fa94d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000298.hdr.sgml**: 20260126

**ACCESSION NUMBER**: 0001951757-26-000298

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260126

**DATE AS OF CHANGE**: 20260126

**EFFECTIVENESS DATE**: 20260126

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** LOWERY THOMAS, LLC
- **CENTRAL INDEX KEY:** 0001919701

**ORGANIZATION NAME:**
- **EIN:** 134225132
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22471
- **FILM NUMBER:** 26560327

**BUSINESS ADDRESS:**
- **STREET 1:** 3975 RONDA ROAD
- **CITY:** PEBBLE BEACH
- **STATE:** CA
- **ZIP:** 93953
- **BUSINESS PHONE:** 415-227-9800

**MAIL ADDRESS:**
- **STREET 1:** 3975 RONDA ROAD
- **CITY:** PEBBLE BEACH
- **STATE:** CA
- **ZIP:** 93953

### 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:** LOWERY THOMAS LLC<br>**Address:** 3975 RONDA ROAD<br>PEBBLE BEACH, CA 93953

**Form 13F File Number:** 028-22471

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:** Mark Vicencio<br>**Title:** Chief Compliance Officer<br>**Phone:** 831-230-6380

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

Mark Vicencio  Pebble Beach, CA  01-26-2026<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:** 55

**Form 13F Information Table Value Total:** $176966666

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 937129 | 4060 | SH |  | SOLE |  | 0 | 0 | 4060 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 7930700 | 12910 | SH |  | SOLE |  | 0 | 0 | 12910 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 1200053 | 8335 | SH |  | SOLE |  | 0 | 0 | 8335 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 2813618 | 5855 | SH |  | SOLE |  | 0 | 0 | 5855 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 9103709 | 13350 | SH |  | SOLE |  | 0 | 0 | 13350 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 1097769 | 13255 | SH |  | SOLE |  | 0 | 0 | 13255 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1237124 | 6827 | SH |  | SOLE |  | 0 | 0 | 6827 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 612801 | 21517 | SH |  | SOLE |  | 0 | 0 | 21517 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 6592372 | 13929 | SH |  | SOLE |  | 0 | 0 | 13929 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 2625326 | 97559 | SH |  | SOLE |  | 0 | 0 | 97559 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 23189952 | 710912 | SH |  | SOLE |  | 0 | 0 | 710912 |
| INVESCO EXCH TRADED FD TR II | S 500 REVENUE | 46138G698 |  | 211697 | 1849 | SH |  | SOLE |  | 0 | 0 | 1849 |
| MICROSOFT CORP | COM | 594918104 |  | 603838 | 1249 | SH |  | SOLE |  | 0 | 0 | 1249 |
| FIDELITY MERRIMACK STR TR | LOW DURTIN ETF | 316188408 |  | 3739693 | 74451 | SH |  | SOLE |  | 0 | 0 | 74451 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 278282 | 959 | SH |  | SOLE |  | 0 | 0 | 959 |
| TESLA INC | COM | 88160R101 |  | 533818 | 1187 | SH |  | SOLE |  | 0 | 0 | 1187 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 3327424 | 136538 | SH |  | SOLE |  | 0 | 0 | 136538 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 6570141 | 221889 | SH |  | SOLE |  | 0 | 0 | 221889 |
| GLOBAL X FDS | ARTIFICIAL ETF | 37954Y632 |  | 686868 | 13505 | SH |  | SOLE |  | 0 | 0 | 13505 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 17482585 | 27877 | SH |  | SOLE |  | 0 | 0 | 27877 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 253003 | 419 | SH |  | SOLE |  | 0 | 0 | 419 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 337392 | 3582 | SH |  | SOLE |  | 0 | 0 | 3582 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1023290 | 34030 | SH |  | SOLE |  | 0 | 0 | 34030 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 1247507 | 6090 | SH |  | SOLE |  | 0 | 0 | 6090 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 984007 | 3997 | SH |  | SOLE |  | 0 | 0 | 3997 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 4387543 | 76652 | SH |  | SOLE |  | 0 | 0 | 76652 |
| VANGUARD ADMIRAL FDS INC | SMLCP 600 GRTH | 921932794 |  | 2975672 | 24534 | SH |  | SOLE |  | 0 | 0 | 24534 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 3556834 | 25689 | SH |  | SOLE |  | 0 | 0 | 25689 |
| INVESCO EXCHANGE TRADED FD T | S SMLCP MOMENT | 46137V498 |  | 1164050 | 16165 | SH |  | SOLE |  | 0 | 0 | 16165 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 2947753 | 21526 | SH |  | SOLE |  | 0 | 0 | 21526 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 232852 | 1310 | SH |  | SOLE |  | 0 | 0 | 1310 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 11156309 | 44110 | SH |  | SOLE |  | 0 | 0 | 44110 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 3565516 | 152568 | SH |  | SOLE |  | 0 | 0 | 152568 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 2038816 | 7304 | SH |  | SOLE |  | 0 | 0 | 7304 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 259270 | 9452 | SH |  | SOLE |  | 0 | 0 | 9452 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 3763069 | 75503 | SH |  | SOLE |  | 0 | 0 | 75503 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 6483590 | 18003 | SH |  | SOLE |  | 0 | 0 | 18003 |
| META PLATFORMS INC | CL A | 30303M102 |  | 501375 | 760 | SH |  | SOLE |  | 0 | 0 | 760 |
| INVESCO EXCHANGE TRADED FD T | S SMCP VLU MNT | 46137V480 |  | 1466788 | 25670 | SH |  | SOLE |  | 0 | 0 | 25670 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1266601 | 6791 | SH |  | SOLE |  | 0 | 0 | 6791 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 1144503 | 10390 | SH |  | SOLE |  | 0 | 0 | 10390 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 4633134 | 62551 | SH |  | SOLE |  | 0 | 0 | 62551 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 4442374 | 13753 | SH |  | SOLE |  | 0 | 0 | 13753 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 9985264 | 366970 | SH |  | SOLE |  | 0 | 0 | 366970 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 403051 | 1338 | SH |  | SOLE |  | 0 | 0 | 1338 |
| PROSHARES TR | PSHS ULTRA QQQ | 74347R206 |  | 554459 | 7875 | SH |  | SOLE |  | 0 | 0 | 7875 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 339745 | 1915 | SH |  | SOLE |  | 0 | 0 | 1915 |
| KLA CORP | COM NEW | 482480100 |  | 983000 | 809 | SH |  | SOLE |  | 0 | 0 | 809 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1393221 | 4440 | SH |  | SOLE |  | 0 | 0 | 4440 |
| PROSHARES TR | ULTRA FNCLS NEW | 74347X633 |  | 246591 | 2687 | SH |  | SOLE |  | 0 | 0 | 2687 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 3044098 | 28530 | SH |  | SOLE |  | 0 | 0 | 28530 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 943813 | 16614 | SH |  | SOLE |  | 0 | 0 | 16614 |
| APPLE INC | COM | 037833100 |  | 2089953 | 7688 | SH |  | SOLE |  | 0 | 0 | 7688 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 5572944 | 14923 | SH |  | SOLE |  | 0 | 0 | 14923 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 804380 | 3824 | SH |  | SOLE |  | 0 | 0 | 3824 |

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