# EDGAR Filing Document

**Accession Number:** 0002118380
**File Stem:** 0002118380-26-000002
**Filing Date:** 2026-4
**Character Count:** 11657
**Document Hash:** 4bb38ed7c6c267b4a7b095635ca79d4e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002118380-26-000002.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0002118380-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Downshift Financial, LLC
- **CENTRAL INDEX KEY:** 0002118380

**ORGANIZATION NAME:**
- **EIN:** 862527307
- **STATE OF INCORPORATION:** CO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26758
- **FILM NUMBER:** 26910828

**BUSINESS ADDRESS:**
- **STREET 1:** 3795 DARLEY AVENUE
- **CITY:** BOULDER
- **STATE:** CO
- **ZIP:** 80305
- **BUSINESS PHONE:** 720-515-0564

**MAIL ADDRESS:**
- **STREET 1:** 3795 DARLEY AVENUE
- **CITY:** BOULDER
- **STATE:** CO
- **ZIP:** 80305

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** Downshift Financial LLC<br>**Address:** 3795 DARLEY AVENUE<br>BOULDER, CO 80305

**Form 13F File Number:** 028-26758

**CRD Number (if applicable):** 000314068

**SEC File Number (if applicable):** 801-131232

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:** Rita Rhodes<br>**Title:** Consultant<br>**Phone:** 815-900-2202

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

Rita Rhodes  Rockford, IL  04-29-2026<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:** 77

**Form 13F Information Table Value Total:** $193163702

      (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 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 19416178 | 743203 | SH |  | SOLE | 0 | 743203 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 19193854 | 700795 | SH |  | SOLE | 0 | 700795 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 18466500 | 660502 | SH |  | SOLE | 0 | 660502 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 17223869 | 49244 | SH |  | SOLE | 0 | 49244 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 16867041 | 678481 | SH |  | SOLE | 0 | 678481 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 10222352 | 31322 | SH |  | SOLE | 0 | 31322 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 8718649 | 106657 | SH |  | SOLE | 0 | 106657 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 6585332 | 110799 | SH |  | SOLE | 0 | 110799 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 6468310 | 194594 | SH |  | SOLE | 0 | 194594 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 5347451 | 64018 | SH |  | SOLE | 0 | 64018 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 4642340 | 50567 | SH |  | SOLE | 0 | 50567 | 0 | 0 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 3747840 | 77837 | SH |  | SOLE | 0 | 77837 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 3649371 | 114329 | SH |  | SOLE | 0 | 114329 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 3478788 | 106620 | SH |  | SOLE | 0 | 106620 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 3327613 | 43819 | SH |  | SOLE | 0 | 43819 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3269433 | 5011 | SH |  | SOLE | 0 | 5011 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A672 |  | 2837425 | 99210 | SH |  | SOLE | 0 | 99210 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2691424 | 12875 | SH |  | SOLE | 0 | 12875 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2421616 | 35788 | SH |  | SOLE | 0 | 35788 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2377559 | 3335 | SH |  | SOLE | 0 | 3335 | 0 | 0 |
| EA SERIES TRUST | ALPHA ARCHITECT | 02072Q853 |  | 1913083 | 35307 | SH |  | SOLE | 0 | 35307 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 1787955 | 28335 | SH |  | SOLE | 0 | 28335 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1746836 | 6234 | SH |  | SOLE | 0 | 6234 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1228659 | 6032 | SH |  | SOLE | 0 | 6032 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1076358 | 18528 | SH |  | SOLE | 0 | 18528 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 977904 | 6296 | SH |  | SOLE | 0 | 6296 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R101 |  | 956423 | 32799 | SH |  | SOLE | 0 | 32799 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 878320 | 16651 | SH |  | SOLE | 0 | 16651 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 861828 | 35535 | SH |  | SOLE | 0 | 35535 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 |  | 845443 | 2633 | SH |  | SOLE | 0 | 2633 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 836269 | 10158 | SH |  | SOLE | 0 | 10158 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 713966 | 3097 | SH |  | SOLE | 0 | 3097 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 698299 | 13715 | SH |  | SOLE | 0 | 13715 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 681720 | 6362 | SH |  | SOLE | 0 | 6362 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 668923 | 1922 | SH |  | SOLE | 0 | 1922 | 0 | 0 |
| SCHWAB STRATEGIC TR | LONG TERM US | 808524680 |  | 657949 | 21048 | SH |  | SOLE | 0 | 21048 | 0 | 0 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 640522 | 28000 | SH |  | SOLE | 0 | 28000 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 607329 | 1732 | SH |  | SOLE | 0 | 1732 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 570878 | 2113 | SH |  | SOLE | 0 | 2113 | 0 | 0 |
| BALL CORP | COM | 058498106 |  | 569041 | 9265 | SH |  | SOLE | 0 | 9265 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 564708 | 17974 | SH |  | SOLE | 0 | 17974 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 531454 | 22873 | SH |  | SOLE | 0 | 22873 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 510000 | 7086 | SH |  | SOLE | 0 | 7086 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 490928 | 1152 | SH |  | SOLE | 0 | 1152 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 470321 | 4989 | SH |  | SOLE | 0 | 4989 | 0 | 0 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 469888 | 3778 | SH |  | SOLE | 0 | 3778 | 0 | 0 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 464807 | 4618 | SH |  | SOLE | 0 | 4618 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 414103 | 1104 | SH |  | SOLE | 0 | 1104 | 0 | 0 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 413516 | 1854 | SH |  | SOLE | 0 | 1854 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 407801 | 15174 | SH |  | SOLE | 0 | 15174 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 407756 | 3008 | SH |  | SOLE | 0 | 3008 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 401522 | 1547 | SH |  | SOLE | 0 | 1547 | 0 | 0 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 401478 | 566 | SH |  | SOLE | 0 | 566 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 389114 | 595 | SH |  | SOLE | 0 | 595 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 386529 | 3831 | SH |  | SOLE | 0 | 3831 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 376104 | 786 | SH |  | SOLE | 0 | 786 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 373349 | 1654 | SH |  | SOLE | 0 | 1654 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 371003 | 4677 | SH |  | SOLE | 0 | 4677 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 367650 | 4779 | SH |  | SOLE | 0 | 4779 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 357341 | 6791 | SH |  | SOLE | 0 | 6791 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 349363 | 4743 | SH |  | SOLE | 0 | 4743 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 335030 | 1047 | SH |  | SOLE | 0 | 1047 | 0 | 0 |
| CREDO TECHNOLOGY GROUP HOLDI | ORDINARY SHARES | G25457105 |  | 332840 | 2000 | SH |  | SOLE | 0 | 2000 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 324182 | 1186 | SH |  | SOLE | 0 | 1186 | 0 | 0 |
| MERCADOLIBRE  INC | COM | 58733R102 |  | 310968 | 174 | SH |  | SOLE | 0 | 174 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 306476 | 8682 | SH |  | SOLE | 0 | 8682 | 0 | 0 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 305160 | 306 | SH |  | SOLE | 0 | 306 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 293455 | 12701 | SH |  | SOLE | 0 | 12701 | 0 | 0 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 291954 | 4364 | SH |  | SOLE | 0 | 4364 | 0 | 0 |
| ISHARES TR | IBONDS DEC 26 | 46435U259 |  | 283015 | 11032 | SH |  | SOLE | 0 | 11032 | 0 | 0 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 282410 | 15685 | SH |  | SOLE | 0 | 15685 | 0 | 0 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 249000 | 2447 | SH |  | SOLE | 0 | 2447 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 235140 | 4669 | SH |  | SOLE | 0 | 4669 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 208638 | 1399 | SH |  | SOLE | 0 | 1399 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 206107 | 222 | SH |  | SOLE | 0 | 222 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 205486 | 3278 | SH |  | SOLE | 0 | 3278 | 0 | 0 |
| FISERV INC | COM | 337738108 |  | 204456 | 3309 | SH |  | SOLE | 0 | 3309 | 0 | 0 |

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