# EDGAR Filing Document

**Accession Number:** 0001911035
**File Stem:** 0001951757-23-000046
**Filing Date:** 2023-1
**Character Count:** 14163
**Document Hash:** 4eea44633f607392edc99d175057ef4e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-23-000046.hdr.sgml**: 20230124

**ACCESSION NUMBER**: 0001951757-23-000046

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230124

**DATE AS OF CHANGE**: 20230124

**EFFECTIVENESS DATE**: 20230124

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** 626 Financial, LLC
- **CENTRAL INDEX KEY:** 0001911035
- **IRS NUMBER:** 270477078
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21984
- **FILM NUMBER:** 23548030

**BUSINESS ADDRESS:**
- **STREET 1:** 7950 MOORSBRIDGE ROAD
- **STREET 2:** SUITE 104
- **CITY:** PORTAGE
- **STATE:** MI
- **ZIP:** 49024
- **BUSINESS PHONE:** (269) 321-5040

**MAIL ADDRESS:**
- **STREET 1:** 7950 MOORSBRIDGE ROAD
- **STREET 2:** SUITE 104
- **CITY:** PORTAGE
- **STATE:** MI
- **ZIP:** 49024

### 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:** 626 Financial LLC<br>**Address:** 7950 MOORSBRIDGE ROAD<br>SUITE 104<br>PORTAGE, MI 49024

**Form 13F File Number:** 028-21984

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:** THOMAS W. ANDERTON<br>**Title:** Chief Compliance Officer<br>**Phone:** (269) 321-5040

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

THOMAS W. ANDERTON  PORTAGE, MI  01-24-2023<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:** 111

**Form 13F Information Table Value Total:** $143843153

      (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 |
| ABBOTT LABORATORIES | Common Stock | 002824100 |  | 278098 | 2533 | SH |  | SOLE |  | 0 | 0 | 2533 |
| ABBVIE INC | Common Stock | 00287Y109 |  | 937176 | 5799 | SH |  | SOLE |  | 0 | 0 | 5799 |
| AFLAC INC | Common Stock | 001055102 |  | 1078309 | 14989 | SH |  | SOLE |  | 0 | 0 | 14989 |
| ALPHABET INC | Common Stock | 02079K107 |  | 342764 | 3863 | SH |  | SOLE |  | 0 | 0 | 3863 |
| ALPHABET INC | Common Stock | 02079K305 |  | 2187751 | 24796 | SH |  | SOLE |  | 0 | 0 | 24796 |
| ALTRIA GROUP | Common Stock | 02209S103 |  | 240186 | 5255 | SH |  | SOLE |  | 0 | 0 | 5255 |
| AMAZON COM | Common Stock | 023135106 |  | 1718892 | 20463 | SH |  | SOLE |  | 0 | 0 | 20463 |
| AMERICAN EXPRESS | Common Stock | 025816109 |  | 449489 | 3042 | SH |  | SOLE |  | 0 | 0 | 3042 |
| ANHEUSER BUSCH | Common Stock | 03524A108 |  | 357780 | 5959 | SH |  | SOLE |  | 0 | 0 | 5959 |
| APPLE INC | Common Stock | 037833100 |  | 6187485 | 47622 | SH |  | SOLE |  | 0 | 0 | 47622 |
| AT INC | Common Stock | 00206R102 |  | 299051 | 16244 | SH |  | SOLE |  | 0 | 0 | 16244 |
| BARNES  NOBLE | Common Stock | 06777U101 |  | 41297 | 23598 | SH |  | SOLE |  | 0 | 0 | 23598 |
| BERKSHIRE HATHAWAY | Common Stock | 084670702 |  | 801904 | 2596 | SH |  | SOLE |  | 0 | 0 | 2596 |
| BOEING COMPANY | Common Stock | 097023105 |  | 1344911 | 7060 | SH |  | SOLE |  | 0 | 0 | 7060 |
| BRISTOL MYERS | Common Stock | 110122108 |  | 810057 | 11259 | SH |  | SOLE |  | 0 | 0 | 11259 |
| CATERPILLAR INC | Common Stock | 149123101 |  | 665724 | 2779 | SH |  | SOLE |  | 0 | 0 | 2779 |
| CHENIERE ENERGY | Common Stock | 16411R208 |  | 394245 | 2629 | SH |  | SOLE |  | 0 | 0 | 2629 |
| CHEVRON CORP | Common Stock | 166764100 |  | 1052622 | 5865 | SH |  | SOLE |  | 0 | 0 | 5865 |
| CISCO SYSTEMS | Common Stock | 17275R102 |  | 201373 | 4227 | SH |  | SOLE |  | 0 | 0 | 4227 |
| CITIGROUP INC | Common Stock | 172967424 |  | 308368 | 6818 | SH |  | SOLE |  | 0 | 0 | 6818 |
| CLOROX COMPANY | Common Stock | 189054109 |  | 346194 | 2467 | SH |  | SOLE |  | 0 | 0 | 2467 |
| COCA COLA COMPANY | Common Stock | 191216100 |  | 262311 | 4124 | SH |  | SOLE |  | 0 | 0 | 4124 |
| CORNING INC | Common Stock | 219350105 |  | 203299 | 6365 | SH |  | SOLE |  | 0 | 0 | 6365 |
| COSTCO WHOLESALE | Common Stock | 22160K105 |  | 324589 | 711 | SH |  | SOLE |  | 0 | 0 | 711 |
| CVS HEALTH | Common Stock | 126650100 |  | 2332671 | 25031 | SH |  | SOLE |  | 0 | 0 | 25031 |
| DEERE  CO | Common Stock | 244199105 |  | 420614 | 981 | SH |  | SOLE |  | 0 | 0 | 981 |
| DELTA AIRLINES | Common Stock | 247361702 |  | 427771 | 13018 | SH |  | SOLE |  | 0 | 0 | 13018 |
| ELI LILLY | Common Stock | 532457108 |  | 905820 | 2476 | SH |  | SOLE |  | 0 | 0 | 2476 |
| EMERSON ELECTRIC | Common Stock | 291011104 |  | 985383 | 10258 | SH |  | SOLE |  | 0 | 0 | 10258 |
| ENPHASE ENERGY | Common Stock | 29355A107 |  | 922856 | 3483 | SH |  | SOLE |  | 0 | 0 | 3483 |
| ETF DEFIANCE | ETF | 26922A289 |  | 5964232 | 199673 | SH |  | SOLE |  | 0 | 0 | 199673 |
| ETF MANAGERS | ETF | 26924G409 |  | 2049059 | 52192 | SH |  | SOLE |  | 0 | 0 | 52192 |
| ETF SER | ETF | 26922A842 |  | 409598 | 23981 | SH |  | SOLE |  | 0 | 0 | 23981 |
| EXXON MOBIL | Common Stock | 30231G102 |  | 370398 | 3358 | SH |  | SOLE |  | 0 | 0 | 3358 |
| FEDEX CORP | Common Stock | 31428X106 |  | 429334 | 2479 | SH |  | SOLE |  | 0 | 0 | 2479 |
| FIRST TRUST | ETF | 33733C108 |  | 3370521 | 48976 | SH |  | SOLE |  | 0 | 0 | 48976 |
| FIRST TRUST | ETF | 33733E302 |  | 5223325 | 42414 | SH |  | SOLE |  | 0 | 0 | 42414 |
| FIRST TRUST | ETF | 33733F101 |  | 1087491 | 11469 | SH |  | SOLE |  | 0 | 0 | 11469 |
| FIRST TRUST | ETF | 33735J101 |  | 221582 | 3367 | SH |  | SOLE |  | 0 | 0 | 3367 |
| FIRST TRUST | ETF | 33737J307 |  | 7634332 | 196054 | SH |  | SOLE |  | 0 | 0 | 196054 |
| FIRST TRUST | ETF | 33739Q200 |  | 2347653 | 49518 | SH |  | SOLE |  | 0 | 0 | 49518 |
| FORD MOTOR | Common Stock | 345370860 |  | 220772 | 18983 | SH |  | SOLE |  | 0 | 0 | 18983 |
| GENERAL MILLS | Common Stock | 370334104 |  | 823072 | 9816 | SH |  | SOLE |  | 0 | 0 | 9816 |
| GINKGO BIOWORKS | Common Stock | 37611X100 |  | 78326 | 46347 | SH |  | SOLE |  | 0 | 0 | 46347 |
| GRACO INC | Common Stock | 384109104 |  | 430800 | 6405 | SH |  | SOLE |  | 0 | 0 | 6405 |
| HOME DEPOT | Common Stock | 437076102 |  | 270488 | 856 | SH |  | SOLE |  | 0 | 0 | 856 |
| ILLINOIS TOOL | Common Stock | 452308109 |  | 416587 | 1891 | SH |  | SOLE |  | 0 | 0 | 1891 |
| INTEL CORP | Common Stock | 458140100 |  | 380846 | 14410 | SH |  | SOLE |  | 0 | 0 | 14410 |
| INTL BUSINESS | Common Stock | 459200101 |  | 400550 | 2843 | SH |  | SOLE |  | 0 | 0 | 2843 |
| INVESCO INVESTMENT | ETF | 46139W502 |  | 2370821 | 99343 | SH |  | SOLE |  | 0 | 0 | 99343 |
| ISHARES MSCI | ETF | 464287234 |  | 343962 | 9076 | SH |  | SOLE |  | 0 | 0 | 9076 |
| ISHARES MSCI | ETF | 46429B614 |  | 1207755 | 23334 | SH |  | SOLE |  | 0 | 0 | 23334 |
| ISHARES RUSSELL | ETF | 464287630 |  | 1480622 | 10677 | SH |  | SOLE |  | 0 | 0 | 10677 |
| ISHARES RUSSELL | ETF | 464287655 |  | 1271435 | 7292 | SH |  | SOLE |  | 0 | 0 | 7292 |
| ISHARES S | ETF | 464287606 |  | 367454 | 5380 | SH |  | SOLE |  | 0 | 0 | 5380 |
| ISHARES U S | ETF | 464287192 |  | 1278951 | 5989 | SH |  | SOLE |  | 0 | 0 | 5989 |
| ISHARES U S | ETF | 464288828 |  | 213822 | 799 | SH |  | SOLE |  | 0 | 0 | 799 |
| JOHNSON  JOHNSON | Common Stock | 478160104 |  | 1681628 | 9520 | SH |  | SOLE |  | 0 | 0 | 9520 |
| JPMORGAN CHASE | Common Stock | 46625H100 |  | 1812431 | 13516 | SH |  | SOLE |  | 0 | 0 | 13516 |
| KELLOGG CO | Common Stock | 487836108 |  | 213791 | 3001 | SH |  | SOLE |  | 0 | 0 | 3001 |
| KRAFT HEINZ | Common Stock | 500754106 |  | 296979 | 7295 | SH |  | SOLE |  | 0 | 0 | 7295 |
| LARGO INC | Common Stock | 517097101 |  | 57566 | 10700 | SH |  | SOLE |  | 0 | 0 | 10700 |
| LYFT INC | Common Stock | 55087P104 |  | 175769 | 15950 | SH |  | SOLE |  | 0 | 0 | 15950 |
| MCDONALDS CORP | Common Stock | 580135101 |  | 393714 | 1494 | SH |  | SOLE |  | 0 | 0 | 1494 |
| MICROSOFT CORP | Common Stock | 594918104 |  | 2874875 | 11988 | SH |  | SOLE |  | 0 | 0 | 11988 |
| MOODYS CORP | Common Stock | 615369105 |  | 222896 | 800 | SH |  | SOLE |  | 0 | 0 | 800 |
| NIKE INC | Common Stock | 654106103 |  | 486935 | 4161 | SH |  | SOLE |  | 0 | 0 | 4161 |
| NORTHERN DYNASTY | Common Stock | 66510M204 |  | 7189 | 32558 | SH |  | SOLE |  | 0 | 0 | 32558 |
| NVIDIA CORP | Common Stock | 67066G104 |  | 629148 | 4305 | SH |  | SOLE |  | 0 | 0 | 4305 |
| ORACLE CORP | Common Stock | 68389X105 |  | 247351 | 3026 | SH |  | SOLE |  | 0 | 0 | 3026 |
| PARKER-HANNIFIN CORP | Common Stock | 701094104 |  | 221742 | 762 | SH |  | SOLE |  | 0 | 0 | 762 |
| PAYPAL HOLDINGS | Common Stock | 70450Y103 |  | 287871 | 4042 | SH |  | SOLE |  | 0 | 0 | 4042 |
| PEPSICO INC | Common Stock | 713448108 |  | 580110 | 3211 | SH |  | SOLE |  | 0 | 0 | 3211 |
| PFIZER INC | Common Stock | 717081103 |  | 1886188 | 36811 | SH |  | SOLE |  | 0 | 0 | 36811 |
| PHILIP MORRIS | Common Stock | 718172109 |  | 372631 | 3682 | SH |  | SOLE |  | 0 | 0 | 3682 |
| PROCTER  GAMBLE | Common Stock | 742718109 |  | 1684379 | 11114 | SH |  | SOLE |  | 0 | 0 | 11114 |
| QUALCOMM INC | Common Stock | 747525103 |  | 1764284 | 16048 | SH |  | SOLE |  | 0 | 0 | 16048 |
| REAL BROKERAGE | Common Stock | 75585H206 |  | 14595 | 13900 | SH |  | SOLE |  | 0 | 0 | 13900 |
| REEDS INC | Common Stock | 758338107 |  | 1256 | 18000 | SH |  | SOLE |  | 0 | 0 | 18000 |
| SABRE CORP | Common Stock | 78573M104 |  | 145277 | 23508 | SH |  | SOLE |  | 0 | 0 | 23508 |
| SALESFORCE INC | Common Stock | 79466L302 |  | 216387 | 1632 | SH |  | SOLE |  | 0 | 0 | 1632 |
| SECTOR FINANCIAL | ETF | 81369Y605 |  | 206172 | 6028 | SH |  | SOLE |  | 0 | 0 | 6028 |
| SECTOR TECHNOLOGY | ETF | 81369Y803 |  | 2878889 | 23135 | SH |  | SOLE |  | 0 | 0 | 23135 |
| SEMPRA | Common Stock | 816851109 |  | 331162 | 2143 | SH |  | SOLE |  | 0 | 0 | 2143 |
| SPDR GOLD | Common Stock | 78463V107 |  | 664480 | 3917 | SH |  | SOLE |  | 0 | 0 | 3917 |
| SPDR PORTFOLIO | ETF | 78464A409 |  | 702742 | 13869 | SH |  | SOLE |  | 0 | 0 | 13869 |
| SPDR PORTFOLIO | ETF | 78464A508 |  | 751316 | 19319 | SH |  | SOLE |  | 0 | 0 | 19319 |
| SPDR PORTFOLIO | ETF | 78464A649 |  | 2131199 | 84807 | SH |  | SOLE |  | 0 | 0 | 84807 |
| SPDR PORTFOLIO | ETF | 78468R853 |  | 2585864 | 69945 | SH |  | SOLE |  | 0 | 0 | 69945 |
| SPDR S | ETF | 78462F103 |  | 800769 | 2094 | SH |  | SOLE |  | 0 | 0 | 2094 |
| SPDR S | ETF | 78464A698 |  | 484106 | 8242 | SH |  | SOLE |  | 0 | 0 | 8242 |
| SPDR SERIES | ETF | 78464A300 |  | 248711 | 3351 | SH |  | SOLE |  | 0 | 0 | 3351 |
| SPDR SERIES | ETF | 78464A813 |  | 1900129 | 23113 | SH |  | SOLE |  | 0 | 0 | 23113 |
| STARBUCKS CORP | Common Stock | 855244109 |  | 365877 | 3688 | SH |  | SOLE |  | 0 | 0 | 3688 |
| STRYKER CORP | Common Stock | 863667101 |  | 16027766 | 65556 | SH |  | SOLE |  | 0 | 0 | 65556 |
| SYSCO CORP | Common Stock | 871829107 |  | 206751 | 2704 | SH |  | SOLE |  | 0 | 0 | 2704 |
| TESLA INC | Common Stock | 88160R101 |  | 205341 | 1667 | SH |  | SOLE |  | 0 | 0 | 1667 |
| UBER TECHNOLOGIES | Common Stock | 90353T100 |  | 372953 | 15081 | SH |  | SOLE |  | 0 | 0 | 15081 |
| UNITED PARCEL | Common Stock | 911312106 |  | 297780 | 1713 | SH |  | SOLE |  | 0 | 0 | 1713 |
| UNITEDHEALTH GROUP | Common Stock | 91324P102 |  | 1372447 | 2589 | SH |  | SOLE |  | 0 | 0 | 2589 |
| VANGUARD HIGH | ETF | 921946406 |  | 208845 | 1930 | SH |  | SOLE |  | 0 | 0 | 1930 |
| VANGUARD S | ETF | 922908363 |  | 754678 | 2148 | SH |  | SOLE |  | 0 | 0 | 2148 |
| VANGUARD TOTAL | ETF | 921937835 |  | 289164 | 4025 | SH |  | SOLE |  | 0 | 0 | 4025 |
| VANGUARD TOTAL | ETF | 922908769 |  | 3241515 | 16954 | SH |  | SOLE |  | 0 | 0 | 16954 |
| VANGUARD VALUE | ETF | 922908744 |  | 1065736 | 7592 | SH |  | SOLE |  | 0 | 0 | 7592 |
| WALMART INC | Common Stock | 931142103 |  | 919385 | 6484 | SH |  | SOLE |  | 0 | 0 | 6484 |
| WALT DISNEY | Common Stock | 254687106 |  | 705608 | 8122 | SH |  | SOLE |  | 0 | 0 | 8122 |
| WESTROCK CO | Common Stock | 96145D105 |  | 517555 | 14720 | SH |  | SOLE |  | 0 | 0 | 14720 |
| WISDOMTREE U S | ETF | 97717W109 |  | 18858705 | 310943 | SH |  | SOLE |  | 0 | 0 | 310943 |
| WISDOMTREE U S | ETF | 97717W307 |  | 745945 | 12041 | SH |  | SOLE |  | 0 | 0 | 12041 |
| YUM CHINA | Common Stock | 98850P109 |  | 233793 | 4278 | SH |  | SOLE |  | 0 | 0 | 4278 |

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