# EDGAR Filing Document

**Accession Number:** 0002083276
**File Stem:** 0002063364-26-000062
**Filing Date:** 2026-2
**Character Count:** 9215
**Document Hash:** 670577435cfb0b3bd989b81e8f1e0564
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002063364-26-000062.hdr.sgml**: 20260206

**ACCESSION NUMBER**: 0002063364-26-000062

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260206

**DATE AS OF CHANGE**: 20260206

**EFFECTIVENESS DATE**: 20260206

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Midwestern Financial, LLC /IA
- **CENTRAL INDEX KEY:** 0002083276

**ORGANIZATION NAME:**
- **EIN:** 474299925
- **STATE OF INCORPORATION:** IA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25768
- **FILM NUMBER:** 26605834

**BUSINESS ADDRESS:**
- **STREET 1:** 103 E. COLLEGE STREET
- **STREET 2:** SUITE 210
- **CITY:** IOWA CITY
- **STATE:** IA
- **ZIP:** 52240
- **BUSINESS PHONE:** 319-499-1620

**MAIL ADDRESS:**
- **STREET 1:** 103 E. COLLEGE STREET
- **STREET 2:** SUITE 210
- **CITY:** IOWA CITY
- **STATE:** IA
- **ZIP:** 52240

### 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:** Midwestern Financial LLC /IA<br>**Address:** 103 E. COLLEGE STREET<br>SUITE 210<br>IOWA CITY, IA 52240

**Form 13F File Number:** 028-25768

**CRD Number (if applicable):** 000270022

**SEC File Number (if applicable):** 801-132625

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:** Jim Cullen<br>**Title:** Filing Agent<br>**Phone:** 401-466-6010

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

Jim Cullen  East Providence, RI  02-06-2026<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:** 52

**Form 13F Information Table Value Total:** $120874287

      (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 |  | 385440 | 1231 | SH |  | SOLE | 0 | 0 | 0 | 1231 |
| AMAZON COM INC | COM | 023135106 |  | 652297 | 2826 | SH |  | SOLE | 0 | 0 | 0 | 2826 |
| AMERICAN CENTY ETF TR | DIVERSIFIED MU | 025072505 |  | 1269737 | 25203 | SH |  | SOLE | 0 | 0 | 0 | 25203 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 6024856 | 78224 | SH |  | SOLE | 0 | 0 | 0 | 78224 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 6063235 | 73654 | SH |  | SOLE | 0 | 0 | 0 | 73654 |
| AMERICAN CENTY ETF TR | FOCUSED LRG CAP | 025072794 |  | 8468048 | 111760 | SH |  | SOLE | 0 | 0 | 0 | 111760 |
| APPLE INC | COM | 037833100 |  | 1242549 | 4570 | SH |  | SOLE | 0 | 0 | 0 | 4570 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1452156 | 2889 | SH |  | SOLE | 0 | 0 | 0 | 2889 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2163020 | 3277 | SH |  | SOLE | 0 | 0 | 0 | 3277 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 2693632 | 4385 | SH |  | SOLE | 0 | 0 | 0 | 4385 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 8342269 | 83522 | SH |  | SOLE | 0 | 0 | 0 | 83522 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 663433 | 6020 | SH |  | SOLE | 0 | 0 | 0 | 6020 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1943821 | 18218 | SH |  | SOLE | 0 | 0 | 0 | 18218 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 6830354 | 101748 | SH |  | SOLE | 0 | 0 | 0 | 101748 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 463324 | 3275 | SH |  | SOLE | 0 | 0 | 0 | 3275 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1063382 | 9928 | SH |  | SOLE | 0 | 0 | 0 | 9928 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 227498 | 1871 | SH |  | SOLE | 0 | 0 | 0 | 1871 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1933859 | 9737 | SH |  | SOLE | 0 | 0 | 0 | 9737 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 2709277 | 54175 | SH |  | SOLE | 0 | 0 | 0 | 54175 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDERS USD | 46641Q449 |  | 584624 | 12761 | SH |  | SOLE | 0 | 0 | 0 | 12761 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 480416 | 9431 | SH |  | SOLE | 0 | 0 | 0 | 9431 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 4153156 | 82095 | SH |  | SOLE | 0 | 0 | 0 | 82095 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDERS USD | 46641Q878 |  | 497848 | 10706 | SH |  | SOLE | 0 | 0 | 0 | 10706 |
| MICROSOFT CORP | COM | 594918104 |  | 573087 | 1185 | SH |  | SOLE | 0 | 0 | 0 | 1185 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1622626 | 8700 | SH |  | SOLE | 0 | 0 | 0 | 8700 |
| ROPER TECHNOLOGIES INC | COM | 776696106 |  | 771200 | 1733 | SH |  | SOLE | 0 | 0 | 0 | 1733 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 11472279 | 16824 | SH |  | SOLE | 0 | 0 | 0 | 16824 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 266727 | 4606 | SH |  | SOLE | 0 | 0 | 0 | 4606 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 4878472 | 185988 | SH |  | SOLE | 0 | 0 | 0 | 185988 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 2384155 | 83713 | SH |  | SOLE | 0 | 0 | 0 | 83713 |
| SELECT SECTOR SPDR TR | STATE STREET MAT | 81369Y100 |  | 356892 | 7870 | SH |  | SOLE | 0 | 0 | 0 | 7870 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 |  | 999448 | 6443 | SH |  | SOLE | 0 | 0 | 0 | 6443 |
| STARBUCKS CORP | COM | 855244109 |  | 905049 | 10748 | SH |  | SOLE | 0 | 0 | 0 | 10748 |
| TESLA INC | COM | 88160R101 |  | 283324 | 630 | SH |  | SOLE | 0 | 0 | 0 | 630 |
| VANECK ETF TRUST | SHRT HGH YLD MUN | 92189F387 |  | 1745626 | 76195 | SH |  | SOLE | 0 | 0 | 0 | 76195 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1712942 | 7794 | SH |  | SOLE | 0 | 0 | 0 | 7794 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 301989 | 2973 | SH |  | SOLE | 0 | 0 | 0 | 2973 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 320868 | 4332 | SH |  | SOLE | 0 | 0 | 0 | 4332 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3481365 | 55729 | SH |  | SOLE | 0 | 0 | 0 | 55729 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 873130 | 17653 | SH |  | SOLE | 0 | 0 | 0 | 17653 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 2921718 | 20713 | SH |  | SOLE | 0 | 0 | 0 | 20713 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1513370 | 28151 | SH |  | SOLE | 0 | 0 | 0 | 28151 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 927165 | 1230 | SH |  | SOLE | 0 | 0 | 0 | 1230 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 2482695 | 42273 | SH |  | SOLE | 0 | 0 | 0 | 42273 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 2248966 | 44720 | SH |  | SOLE | 0 | 0 | 0 | 44720 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3358473 | 15858 | SH |  | SOLE | 0 | 0 | 0 | 15858 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2291425 | 7895 | SH |  | SOLE | 0 | 0 | 0 | 7895 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 6009569 | 31466 | SH |  | SOLE | 0 | 0 | 0 | 31466 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 470555 | 1824 | SH |  | SOLE | 0 | 0 | 0 | 1824 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4398210 | 13118 | SH |  | SOLE | 0 | 0 | 0 | 13118 |
| WALMART INC | COM | 931142103 |  | 495802 | 4450 | SH |  | SOLE | 0 | 0 | 0 | 4450 |
| TE CONNECTIVITY PLC | ORD SHS | G87052109 |  | 498929 | 2193 | SH |  | SOLE | 0 | 0 | 0 | 2193 |

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