# EDGAR Filing Document

**Accession Number:** 0001908275
**File Stem:** 0001908275-25-000004
**Filing Date:** 2025-7
**Character Count:** 15766
**Document Hash:** ff4213f6fb30cac4221c59a7119d9406
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001908275-25-000004.hdr.sgml**: 20250723

**ACCESSION NUMBER**: 0001908275-25-000004

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250723

**DATE AS OF CHANGE**: 20250723

**EFFECTIVENESS DATE**: 20250723

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Laraway Financial Advisors Inc
- **CENTRAL INDEX KEY:** 0001908275

**ORGANIZATION NAME:**
- **EIN:** 411988226
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21856
- **FILM NUMBER:** 251142048

**BUSINESS ADDRESS:**
- **STREET 1:** 1219 33RD ST S
- **CITY:** SAINT CLOUD
- **STATE:** MN
- **ZIP:** 56301
- **BUSINESS PHONE:** 3202532490

**MAIL ADDRESS:**
- **STREET 1:** 1219 33RD ST S
- **CITY:** SAINT CLOUD
- **STATE:** MN
- **ZIP:** 56301

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Laraway Financial Inc
- **DATE OF NAME CHANGE:** 20220201

### 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:** Laraway Financial Advisors Inc<br>**Address:** 1219 33RD ST S<br>SAINT CLOUD, MN 56301

**Form 13F File Number:** 028-21856

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:** Kimberly M Foster<br>**Title:** CCO<br>**Phone:** 3202532490

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

Kimberly M Foster  Saint Cloud, MN  07-23-2025<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:** 124

**Form 13F Information Table Value Total:** $131842866

      (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 |
| AB ACTIVE ETFS INC | ULTRA SHORT INCM | 00039J103 |  | 385099 | 7602 | SH |  | SOLE |  | 7602 | 0 | 0 |
| AB ACTIVE ETFS INC | US HIGH DIVIDEND | 00039J400 |  | 227300 | 3101 | SH |  | SOLE |  | 3101 | 0 | 0 |
| AFLAC INC | COM | 001055102 |  | 358564 | 3400 | SH |  | SOLE |  | 3400 | 0 | 0 |
| ALPS ETF TR | RIVRFRNT STR INC | 00162Q783 |  | 325735 | 14006 | SH |  | SOLE |  | 14006 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 328912 | 1772 | SH |  | SOLE |  | 1772 | 0 | 0 |
| ALPHABET INC. | CAP STK CL C | 02079K107 |  | 1268447 | 7151 | SH |  | SOLE |  | 7151 | 0 | 0 |
| ALPHABET INC. | CAP STK CL A | 02079K305 |  | 2774762 | 15745 | SH |  | SOLE |  | 15745 | 0 | 0 |
| AMAZON.COM INC | COM | 023135106 |  | 2184686 | 9958 | SH |  | SOLE |  | 9958 | 0 | 0 |
| CENCORA INC | COM | 03073E105 |  | 989370 | 3300 | SH |  | SOLE |  | 3300 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 9714735 | 47350 | SH |  | SOLE |  | 47350 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 294522 | 955 | SH |  | SOLE |  | 955 | 0 | 0 |
| BALL CORP | COM | 058498106 |  | 200578 | 3576 | SH |  | SOLE |  | 3576 | 0 | 0 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 357494 | 3924 | SH |  | SOLE |  | 3924 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B New | 084670702 |  | 3049664 | 6278 | SH |  | SOLE |  | 6278 | 0 | 0 |
| BOEING CO | COM | 097023105 |  | 280351 | 1338 | SH |  | SOLE |  | 1338 | 0 | 0 |
| CDW CORP | COM | 12514G108 |  | 508089 | 2845 | SH |  | SOLE |  | 2845 | 0 | 0 |
| CVS HEALTH CORP | COM | 126650100 |  | 212797 | 3085 | SH |  | SOLE |  | 3085 | 0 | 0 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 840615 | 3951 | SH |  | SOLE |  | 3951 | 0 | 0 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 307543 | 1831 | SH |  | SOLE |  | 1831 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 315633 | 813 | SH |  | SOLE |  | 813 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 253446 | 1770 | SH |  | SOLE |  | 1770 | 0 | 0 |
| CISCO SYSTEMS INC | COM | 17275R102 |  | 452042 | 6515 | SH |  | SOLE |  | 6515 | 0 | 0 |
| COCA-COLA CO | COM | 191216100 |  | 622033 | 8792 | SH |  | SOLE |  | 8792 | 0 | 0 |
| COMCAST CORP | CL A | 20030N101 |  | 427745 | 11985 | SH |  | SOLE |  | 11985 | 0 | 0 |
| CONSTELLATION BRAND | CL A | 21036P108 |  | 514882 | 3165 | SH |  | SOLE |  | 3165 | 0 | 0 |
| COSTCO WHOLESALE CO | COM | 22160K105 |  | 1803671 | 1822 | SH |  | SOLE |  | 1822 | 0 | 0 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 |  | 198352 | 1967 | SH |  | SOLE |  | 1967 | 0 | 0 |
| DICKS SPORTING GOODS | COM | 253393102 |  | 481667 | 2435 | SH |  | SOLE |  | 2435 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 424314 | 3422 | SH |  | SOLE |  | 3422 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 303992 | 2280 | SH |  | SOLE |  | 2280 | 0 | 0 |
| ERIE INDEMNITY CO | CL A | 29530P102 |  | 679708 | 1960 | SH |  | SOLE |  | 1960 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1919229 | 2600 | SH |  | SOLE |  | 2600 | 0 | 0 |
| FAIR ISAAC CORP | COM | 303250104 |  | 182796 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| FEDEX CORP | COM | 31428X106 |  | 456893 | 2010 | SH |  | SOLE |  | 2010 | 0 | 0 |
| FIRST TR MORNINGSTAR DIVID L | SHS | 336917109 |  | 224060 | 5351 | SH |  | SOLE |  | 5351 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | RISNG DIVD ACHIV | 33738R506 |  | 382091 | 6090 | SH |  | SOLE |  | 6090 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 |  | 447911 | 9093 | SH |  | SOLE |  | 9093 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | TCW OPPORTUNIS | 33740F805 |  | 910223 | 20739 | SH |  | SOLE |  | 20739 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | SMID RISNG ETF | 33741X102 |  | 358956 | 10174 | SH |  | SOLE |  | 10174 | 0 | 0 |
| GENERAL MLS INC | COM | 370334104 |  | 139783 | 2698 | SH |  | SOLE |  | 2698 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 212325 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| HARTFORD FDS EXCHANGE TRADED | TOTAL RTRN ETF | 41653L305 |  | 1219325 | 36000 | SH |  | SOLE |  | 36000 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 594860 | 1622 | SH |  | SOLE |  | 1622 | 0 | 0 |
| ILLINOIS TOOL WORKS | COM | 452308109 |  | 605763 | 2450 | SH |  | SOLE |  | 2450 | 0 | 0 |
| INGREDION INC | COM | 457187102 |  | 227367 | 1676 | SH |  | SOLE |  | 1676 | 0 | 0 |
| INTEL CORP | COM | 458140100 |  | 281580 | 12571 | SH |  | SOLE |  | 12571 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 3401032 | 65279 | SH |  | SOLE |  | 65279 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 2372083 | 13052 | SH |  | SOLE |  | 13052 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 1287582 | 17682 | SH |  | SOLE |  | 17682 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 977866 | 3373 | SH |  | SOLE |  | 3373 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 465317 | 8185 | SH |  | SOLE |  | 8185 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 1159579 | 22880 | SH |  | SOLE |  | 22880 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 757743 | 4961 | SH |  | SOLE |  | 4961 | 0 | 0 |
| LAM RESEARCH CORP | COM | 512807306 |  | 876060 | 9000 | SH |  | SOLE |  | 9000 | 0 | 0 |
| LILLY ELI  CO | COM | 532457108 |  | 2088840 | 2680 | SH |  | SOLE |  | 2680 | 0 | 0 |
| LOWES COMPANIES INC | COM | 548661107 |  | 714307 | 3219 | SH |  | SOLE |  | 3219 | 0 | 0 |
| MERCK  CO. INC. | COM | 58933Y105 |  | 248757 | 3142 | SH |  | SOLE |  | 3142 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 4821879 | 9694 | SH |  | SOLE |  | 9694 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 2691651 | 2010 | SH |  | SOLE |  | 2010 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 716114 | 10316 | SH |  | SOLE |  | 10316 | 0 | 0 |
| NIKE INC | COM | 654106103 |  | 380348 | 5354 | SH |  | SOLE |  | 5354 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 298532 | 2467 | SH |  | SOLE |  | 2467 | 0 | 0 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 511162 | 7406 | SH |  | SOLE |  | 7406 | 0 | 0 |
| NVIDIA CORP | COM | 67066G104 |  | 4130965 | 26147 | SH |  | SOLE |  | 26147 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 1670372 | 7640 | SH |  | SOLE |  | 7640 | 0 | 0 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 1019766 | 1460 | SH |  | SOLE |  | 1460 | 0 | 0 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 306793 | 4128 | SH |  | SOLE |  | 4128 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 588456 | 4457 | SH |  | SOLE |  | 4457 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 223218 | 9209 | SH |  | SOLE |  | 9209 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 532730 | 2925 | SH |  | SOLE |  | 2925 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 586298 | 3680 | SH |  | SOLE |  | 3680 | 0 | 0 |
| RTX CORP | COM | 75513E101 |  | 567375 | 3886 | SH |  | SOLE |  | 3886 | 0 | 0 |
| SPDR S 500 ETF | TR UNIT | 78462F103 |  | 5052790 | 8178 | SH |  | SOLE |  | 8178 | 0 | 0 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 1240795 | 37991 | SH |  | SOLE |  | 37991 | 0 | 0 |
| SPDR SER TR | PORTFOLIO CRPORT | 78464A144 |  | 580244 | 19858 | SH |  | SOLE |  | 19858 | 0 | 0 |
| SPDR SER TR | S 600 SMCP GRW | 78464A201 |  | 420231 | 4735 | SH |  | SOLE |  | 4735 | 0 | 0 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 1321451 | 16568 | SH |  | SOLE |  | 16568 | 0 | 0 |
| SPDR SER TR | BBG CONV SEC ETF | 78464A359 |  | 653014 | 7900 | SH |  | SOLE |  | 7900 | 0 | 0 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 276206 | 2898 | SH |  | SOLE |  | 2898 | 0 | 0 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 2019507 | 66893 | SH |  | SOLE |  | 66893 | 0 | 0 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 1633245 | 63799 | SH |  | SOLE |  | 63799 | 0 | 0 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 285851 | 3817 | SH |  | SOLE |  | 3817 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78464A847 |  | 366047 | 6731 | SH |  | SOLE |  | 6731 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 371290 | 5108 | SH |  | SOLE |  | 5108 | 0 | 0 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 172055 | 4290 | SH |  | SOLE |  | 4290 | 0 | 0 |
| SPDR SER TR | BLOOMBERG INVT | 78468R200 |  | 514399 | 16685 | SH |  | SOLE |  | 16685 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 330911 | 7768 | SH |  | SOLE |  | 7768 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 1179685 | 46628 | SH |  | SOLE |  | 46628 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 518285 | 17196 | SH |  | SOLE |  | 17196 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 234890 | 8864 | SH |  | SOLE |  | 8864 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 571496 | 24591 | SH |  | SOLE |  | 24591 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 359421 | 16986 | SH |  | SOLE |  | 16986 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 615123 | 23056 | SH |  | SOLE |  | 23056 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 3163511 | 23470 | SH |  | SOLE |  | 23470 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 293052 | 3455 | SH |  | SOLE |  | 3455 | 0 | 0 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 3103078 | 59253 | SH |  | SOLE |  | 59253 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 2721933 | 10749 | SH |  | SOLE |  | 10749 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 1672275 | 20479 | SH |  | SOLE |  | 20479 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 |  | 960135 | 7775 | SH |  | SOLE |  | 7775 | 0 | 0 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 212221 | 937 | SH |  | SOLE |  | 937 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 939856 | 2318 | SH |  | SOLE |  | 2318 | 0 | 0 |
| 3M CO | COM | 88579Y101 |  | 348586 | 2290 | SH |  | SOLE |  | 2290 | 0 | 0 |
| TOYOTA MOTOR CORP | ADS | 892331307 |  | 223938 | 1300 | SH |  | SOLE |  | 1300 | 0 | 0 |
| US BANCORP DEL | COM NEW | 902973304 |  | 325710 | 7198 | SH |  | SOLE |  | 7198 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 915070 | 2933 | SH |  | SOLE |  | 2933 | 0 | 0 |
| UNIVERSAL HLTH SVCS INC | CL B | 913903100 |  | 570623 | 3150 | SH |  | SOLE |  | 3150 | 0 | 0 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 697396 | 5188 | SH |  | SOLE |  | 5188 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 346061 | 4700 | SH |  | SOLE |  | 4700 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4380254 | 76833 | SH |  | SOLE |  | 76833 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 398045 | 2986 | SH |  | SOLE |  | 2986 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 345879 | 5884 | SH |  | SOLE |  | 5884 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 759123 | 12692 | SH |  | SOLE |  | 12692 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 356390 | 4298 | SH |  | SOLE |  | 4298 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 289324 | 509 | SH |  | SOLE |  | 509 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1698461 | 6070 | SH |  | SOLE |  | 6070 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5843646 | 13329 | SH |  | SOLE |  | 13329 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 5490154 | 31063 | SH |  | SOLE |  | 31063 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 386340 | 8929 | SH |  | SOLE |  | 8929 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 869873 | 2450 | SH |  | SOLE |  | 2450 | 0 | 0 |
| WP CAREY INC | COM | 92936U109 |  | 377781 | 6056 | SH |  | SOLE |  | 6056 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 1649731 | 16872 | SH |  | SOLE |  | 16872 | 0 | 0 |
| WELLS FARGO  CO | COM | 949746101 |  | 334911 | 4180 | SH |  | SOLE |  | 4180 | 0 | 0 |
| WESTERN DIGITAL CORP | COM | 958102105 |  | 273560 | 4275 | SH |  | SOLE |  | 4275 | 0 | 0 |
| XCEL ENERGY INC | COM | 98389B100 |  | 534278 | 7845 | SH |  | SOLE |  | 7845 | 0 | 0 |

---