# EDGAR Filing Document

**Accession Number:** 0002110690
**File Stem:** 0001951757-26-000419
**Filing Date:** 2026-2
**Character Count:** 7693
**Document Hash:** 2be74dc50aa1aa349f92b7e07fc8ae54
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000419.hdr.sgml**: 20260211

**ACCESSION NUMBER**: 0001951757-26-000419

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260211

**DATE AS OF CHANGE**: 20260211

**EFFECTIVENESS DATE**: 20260211

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** LCW Services, LLC
- **CENTRAL INDEX KEY:** 0002110690

**ORGANIZATION NAME:**
- **EIN:** 844511300
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26202
- **FILM NUMBER:** 26618559

**BUSINESS ADDRESS:**
- **STREET 1:** 4669 SOUTH BLVD
- **STREET 2:** STE 105
- **CITY:** VIRGINIA BEACH
- **STATE:** VA
- **ZIP:** 23452
- **BUSINESS PHONE:** (757) 834-7661

**MAIL ADDRESS:**
- **STREET 1:** 4669 SOUTH BLVD
- **STREET 2:** STE 105
- **CITY:** VIRGINIA BEACH
- **STATE:** VA
- **ZIP:** 23452

### 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:** LCW Services LLC<br>**Address:** 4669 SOUTH BLVD<br>STE 105<br>VIRGINIA BEACH, VA 23452

**Form 13F File Number:** 028-26202

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:** Roger Crook<br>**Title:** Chief Compliance Officer<br>**Phone:** (757) 834-7661

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

Roger Crook  Virginia Beach, VA  02-11-2026<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:** 39

**Form 13F Information Table Value Total:** $187771255

      (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

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|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 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 |  | 403473 | 1748 | SH |  | SOLE |  | 0 | 0 | 1748 |
| APPLE INC | COM | 037833100 |  | 284637 | 1047 | SH |  | SOLE |  | 0 | 0 | 1047 |
| CAPITAL GRP FIXED INCM ETF T | US MULTI-SECTOR | 14020Y300 |  | 4447345 | 161019 | SH |  | SOLE |  | 0 | 0 | 161019 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 369931 | 8035 | SH |  | SOLE |  | 0 | 0 | 8035 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 3930838 | 296667 | SH |  | SOLE |  | 0 | 0 | 296667 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 8038432 | 41963 | SH |  | SOLE |  | 0 | 0 | 41963 |
| ISHARES INC | MSCI EURZONE ETF | 464286608 |  | 5147422 | 80303 | SH |  | SOLE |  | 0 | 0 | 80303 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 586898 | 8731 | SH |  | SOLE |  | 0 | 0 | 8731 |
| ISHARES INC | MSCI EQUAL WEITE | 464286681 |  | 225553 | 2182 | SH |  | SOLE |  | 0 | 0 | 2182 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 19420009 | 294243 | SH |  | SOLE |  | 0 | 0 | 294243 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 10671722 | 88798 | SH |  | SOLE |  | 0 | 0 | 88798 |
| ISHARES TR | CORE S ETF | 464287200 |  | 39126706 | 57124 | SH |  | SOLE |  | 0 | 0 | 57124 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 4668638 | 53564 | SH |  | SOLE |  | 0 | 0 | 53564 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 3165558 | 68018 | SH |  | SOLE |  | 0 | 0 | 68018 |
| ISHARES TR | INTL EQTY FACTOR | 46434V274 |  | 1313776 | 34802 | SH |  | SOLE |  | 0 | 0 | 34802 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 5597589 | 40939 | SH |  | SOLE |  | 0 | 0 | 40939 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1357081 | 3634 | SH |  | SOLE |  | 0 | 0 | 3634 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 618354 | 2512 | SH |  | SOLE |  | 0 | 0 | 2512 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1574407 | 17599 | SH |  | SOLE |  | 0 | 0 | 17599 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 905187 | 8451 | SH |  | SOLE |  | 0 | 0 | 8451 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 427497 | 4280 | SH |  | SOLE |  | 0 | 0 | 4280 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 301759 | 1618 | SH |  | SOLE |  | 0 | 0 | 1618 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 28985942 | 1205738 | SH |  | SOLE |  | 0 | 0 | 1205738 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 249321 | 9265 | SH |  | SOLE |  | 0 | 0 | 9265 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 274307 | 13131 | SH |  | SOLE |  | 0 | 0 | 13131 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 8453762 | 12397 | SH |  | SOLE |  | 0 | 0 | 12397 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 204152 | 1913 | SH |  | SOLE |  | 0 | 0 | 1913 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A664 |  | 506901 | 19150 | SH |  | SOLE |  | 0 | 0 | 19150 |
| TREACE MED CONCEPTS INC | COM | 89455T109 |  | 134383 | 54850 | SH |  | SOLE |  | 0 | 0 | 54850 |
| VANECK ETF TRUST | INTRMDT MUNI ETF | 92189H201 |  | 1573163 | 33358 | SH |  | SOLE |  | 0 | 0 | 33358 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 11476921 | 154947 | SH |  | SOLE |  | 0 | 0 | 154947 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 763146 | 9799 | SH |  | SOLE |  | 0 | 0 | 9799 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1156653 | 13071 | SH |  | SOLE |  | 0 | 0 | 13071 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1562896 | 5385 | SH |  | SOLE |  | 0 | 0 | 5385 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 282739 | 843 | SH |  | SOLE |  | 0 | 0 | 843 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 221930 | 1162 | SH |  | SOLE |  | 0 | 0 | 1162 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 12310914 | 228998 | SH |  | SOLE |  | 0 | 0 | 228998 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1496882 | 29765 | SH |  | SOLE |  | 0 | 0 | 29765 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 5534431 | 88593 | SH |  | SOLE |  | 0 | 0 | 88593 |

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