# EDGAR Filing Document

**Accession Number:** 0001911894
**File Stem:** 0001085146-23-000474
**Filing Date:** 2023-1
**Character Count:** 10337
**Document Hash:** 08abd91c2be1424760c0a22f956c0632
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000474.hdr.sgml**: 20230131

**ACCESSION NUMBER**: 0001085146-23-000474

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230131

**DATE AS OF CHANGE**: 20230130

**EFFECTIVENESS DATE**: 20230131

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SBK Financial, Inc.
- **CENTRAL INDEX KEY:** 0001911894
- **IRS NUMBER:** 364549119
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22308
- **FILM NUMBER:** 23569865

**BUSINESS ADDRESS:**
- **STREET 1:** 1001 HAXALL POINT
- **STREET 2:** SUITE 705
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23219
- **BUSINESS PHONE:** (804) 237-1700

**MAIL ADDRESS:**
- **STREET 1:** 1001 HAXALL POINT
- **STREET 2:** SUITE 705
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23219

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** SBK Financial Inc.<br>**Address:** 1001 HAXALL POINT<br>SUITE 705<br>RICHMOND, VA 23219

**Form 13F File Number:** 028-22308

**CRD Number (if applicable):** 000132513

**SEC File Number (if applicable):** 801-64185

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:** Stephanie F. Stumpf<br>**Title:** Chief Compliance Officer<br>**Phone:** 804-237-1700

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

/s/Stephanie F. Stumpf  Richmond, VA  01-30-2023<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:** 61

**Form 13F Information Table Value Total:** $63059344

      (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 | 1457560 | 16520 | SH |  | SOLE |  | 0 | 0 | 16520 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 603364 | 6800 | SH |  | SOLE |  | 0 | 0 | 6800 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 913920 | 10880 | SH |  | SOLE |  | 0 | 0 | 10880 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 | BBG001S5NPQ6 | 317790 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 5166537 | 39764 | SH |  | SOLE |  | 0 | 0 | 39764 |
| BANK NEW YORK MELLON CORP | COM | 064058100 | BBG001S5P6Q6 | 273120 | 6000 | SH |  | SOLE |  | 0 | 0 | 6000 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 617800 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 503650 | 7000 | SH |  | SOLE |  | 0 | 0 | 7000 |
| CAPITAL ONE FINL CORP | COM | 14040H105 | BBG001S65PV8 | 433751 | 4666 | SH |  | SOLE |  | 0 | 0 | 4666 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 807705 | 4500 | SH |  | SOLE |  | 0 | 0 | 4500 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 1304005 | 20500 | SH |  | SOLE |  | 0 | 0 | 20500 |
| DANAHER CORPORATION | COM | 235851102 | BBG001S5QGT0 | 1300558 | 4900 | SH |  | SOLE |  | 0 | 0 | 4900 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 | BBG011DXXNJ2 | 461205 | 11084 | SH |  | SOLE |  | 11084 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 1305285 | 15024 | SH |  | SOLE |  | 0 | 0 | 15024 |
| DOLLAR TREE INC | COM | 256746108 | BBG001S6ZGL6 | 645249 | 4562 | SH |  | SOLE |  | 0 | 0 | 4562 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 1801861 | 16336 | SH |  | SOLE |  | 0 | 0 | 16336 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 1332613 | 4219 | SH |  | SOLE |  | 0 | 0 | 4219 |
| INTEL CORP | COM | 458140100 | BBG001S5SF65 | 211440 | 8000 | SH |  | SOLE |  | 0 | 0 | 8000 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 644854 | 4577 | SH |  | SOLE |  | 0 | 0 | 4577 |
| ISHARES TR | AGGRES ALLOC ETF | 464289859 | BBG001T3YVL0 | 245320 | 4106 | SH |  | SOLE |  | 0 | 0 | 4106 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 242958 | 1004 | SH |  | SOLE |  | 0 | 0 | 1004 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 889069 | 9394 | SH |  | SOLE |  | 0 | 0 | 9394 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 964403 | 2510 | SH |  | SOLE |  | 578 | 0 | 1932 |
| ISHARES TR | CRE U S REIT ETF | 464288521 | BBG001ST7G55 | 3679968 | 74418 | SH |  | SOLE |  | 12801 | 0 | 61617 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 1130521 | 13497 | SH |  | SOLE |  | 5461 | 0 | 8036 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 417133 | 6355 | SH |  | SOLE |  | 4609 | 0 | 1746 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 | BBG001SK77D5 | 360998 | 9525 | SH |  | SOLE |  | 9525 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 | BBG001S562W9 | 422520 | 2007 | SH |  | SOLE |  | 0 | 0 | 2007 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 662524 | 3092 | SH |  | SOLE |  | 541 | 0 | 2551 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 273165 | 1801 | SH |  | SOLE |  | 502 | 0 | 1299 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 | BBG001S562F8 | 753588 | 3513 | SH |  | SOLE |  | 2008 | 0 | 1505 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 | BBG001S561Z8 | 726275 | 8687 | SH |  | SOLE |  | 283 | 0 | 8404 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 | BBG001S561V2 | 1138191 | 10805 | SH |  | SOLE |  | 0 | 0 | 10805 |
| ISHARES TR | RUS MID CAP ETF | 464287499 | BBG001SJCNS1 | 565749 | 8388 | SH |  | SOLE |  | 0 | 0 | 8388 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 1107405 | 18930 | SH |  | SOLE |  | 8645 | 0 | 10285 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 744934 | 5135 | SH |  | SOLE |  | 1927 | 0 | 3208 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 1962582 | 11110 | SH |  | SOLE |  | 0 | 0 | 11110 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 770673 | 5747 | SH |  | SOLE |  | 0 | 0 | 5747 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 2920858 | 14660 | SH |  | SOLE |  | 0 | 0 | 14660 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 527060 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 1143229 | 10304 | SH |  | SOLE |  | 0 | 0 | 10304 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 6198148 | 25845 | SH |  | SOLE |  | 0 | 0 | 25845 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 506700 | 6061 | SH |  | SOLE |  | 0 | 0 | 6061 |
| NIKE INC | CL B | 654106103 | BBG001S6NTK2 | 2229040 | 19050 | SH |  | SOLE |  | 0 | 0 | 19050 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 441396 | 5400 | SH |  | SOLE |  | 0 | 0 | 5400 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 945122 | 18445 | SH |  | SOLE |  | 0 | 0 | 18445 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 1062705 | 10500 | SH |  | SOLE |  | 0 | 0 | 10500 |
| PNC FINL SVCS GROUP INC | COM | 693475105 | BBG001S5V947 | 384268 | 2433 | SH |  | SOLE |  | 0 | 0 | 2433 |
| PPG INDS INC | COM | 693506107 | BBG001S5VC13 | 1143480 | 9094 | SH |  | SOLE |  | 0 | 0 | 9094 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 1015452 | 6700 | SH |  | SOLE |  | 0 | 0 | 6700 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | BBG001S5X5Q9 | 605520 | 6000 | SH |  | SOLE |  | 0 | 0 | 6000 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 1497201 | 3915 | SH |  | SOLE |  | 0 | 0 | 3915 |
| UNION PAC CORP | COM | 907818108 | BBG001S5X2M0 | 704038 | 3400 | SH |  | SOLE |  | 0 | 0 | 3400 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 1262195 | 6193 | SH |  | SOLE |  | 0 | 0 | 6193 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 358953 | 4352 | SH |  | SOLE |  | 0 | 0 | 4352 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 367926 | 1047 | SH |  | SOLE |  | 0 | 0 | 1047 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 465090 | 2534 | SH |  | SOLE |  | 0 | 0 | 2534 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 379224 | 1983 | SH |  | SOLE |  | 0 | 0 | 1983 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 1189842 | 5727 | SH |  | SOLE |  | 0 | 0 | 5727 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 510444 | 3600 | SH |  | SOLE |  | 0 | 0 | 3600 |
| WORKHORSE GROUP INC | COM NEW | 98138J206 | BBG001SD7PS5 | 41210 | 27112 | SH |  | SOLE |  | 0 | 0 | 27112 |

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