# EDGAR Filing Document

**Accession Number:** 0001905367
**File Stem:** 0001905367-26-000002
**Filing Date:** 2026-5
**Character Count:** 10182
**Document Hash:** a5430ae9b7e0c0bdb1f16b186dbb9242
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001905367-26-000002.hdr.sgml**: 20260512

**ACCESSION NUMBER**: 0001905367-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260512

**DATE AS OF CHANGE**: 20260512

**EFFECTIVENESS DATE**: 20260512

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Orcam Financial Group
- **CENTRAL INDEX KEY:** 0001905367

**ORGANIZATION NAME:**
- **EIN:** 453657640
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21688
- **FILM NUMBER:** 26967195

**BUSINESS ADDRESS:**
- **STREET 1:** 433 UNION ST
- **CITY:** ENCINITAS
- **STATE:** CA
- **ZIP:** 92024
- **BUSINESS PHONE:** 8582205383

**MAIL ADDRESS:**
- **STREET 1:** 433 UNION ST
- **CITY:** ENCINITAS
- **STATE:** CA
- **ZIP:** 92024

### 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:** Orcam Financial Group<br>**Address:** 433 UNION ST<br>ENCINITAS, CA 92024

**Form 13F File Number:** 028-21688

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:** Cullen Roche<br>**Title:** CIO<br>**Phone:** 8582205383

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

Cullen Roche  Encinitas, CA  05-12-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[ ] **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).)

[x] **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:** 62

**Form 13F Information Table Value Total:** $140850233

      (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.]

|   No. | Name                | Form 13F File Number   | CRD Number   | SEC File Number   |
|---:|:---|:---|:---|:---|
|     1 | Empowered Funds LLC | 028-17729              |  |  |

### 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 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 855709 | 27891 | SH |  | SOLE |  | 27891 | 0 | 0 |
| EA Series Trust | Defined Duration 20 | 02072Q325 |  | 5752015 | 226970 | SH |  | SOLE |  | 226970 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 647607 | 8794 | SH |  | SOLE |  | 8794 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 1042733 | 12601 | SH |  | SOLE |  | 12601 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 235432 | 636 | SH |  | SOLE |  | 636 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 291786 | 1401 | SH |  | SOLE |  | 1401 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 2918333 | 88569 | SH |  | SOLE |  | 88569 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS ALL INT | 025072174 |  | 679498 | 8921 | SH |  | SOLE |  | 8921 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 539031 | 934 | SH |  | SOLE |  | 934 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 298925 | 701 | SH |  | SOLE |  | 701 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 1126862 | 43949 | SH |  | SOLE |  | 43949 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 647181 | 13796 | SH |  | SOLE |  | 13796 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 1539404 | 20498 | SH |  | SOLE |  | 20498 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 637317 | 27447 | SH |  | SOLE |  | 27447 | 0 | 0 |
| SPDR SER TR | NUVEEN BLOOMBERG | 78464A284 |  | 1524043 | 61453 | SH |  | SOLE |  | 61453 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1525693 | 2346 | SH |  | SOLE |  | 2346 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 260988 | 2100 | SH |  | SOLE |  | 2100 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 545280 | 1899 | SH |  | SOLE |  | 1899 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 376685 | 1541 | SH |  | SOLE |  | 1541 | 0 | 0 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 992441 | 32732 | SH |  | SOLE |  | 32732 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 2514811 | 42230 | SH |  | SOLE |  | 42230 | 0 | 0 |
| VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 |  | 343933 | 1745 | SH |  | SOLE |  | 1745 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1537924 | 2574 | SH |  | SOLE |  | 2574 | 0 | 0 |
| AFLAC INC | COM | 001055102 |  | 263304 | 2400 | SH |  | SOLE |  | 2400 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 5486434 | 71151 | SH |  | SOLE |  | 71151 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 8443551 | 26319 | SH |  | SOLE |  | 26319 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 695447 | 11880 | SH |  | SOLE |  | 11880 | 0 | 0 |
| GMO ETF TRUST | GMO INTL  VALUE | 90139K407 |  | 762642 | 21050 | SH |  | SOLE |  | 21050 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 380168 | 582 | SH |  | SOLE |  | 582 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 490478 | 1933 | SH |  | SOLE |  | 1933 | 0 | 0 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 621724 | 891 | SH |  | SOLE |  | 891 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 7807182 | 311043 | SH |  | SOLE |  | 311043 | 0 | 0 |
| EA Series Trust | Alpha Architect | 02072L516 |  | 433379 | 4775 | SH |  | SOLE |  | 4775 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 729392 | 14620 | SH |  | SOLE |  | 14620 | 0 | 0 |
| SIMPLIFY EXCHANGE TRADED FUN | MANAGED FUTURES | 82889N699 |  | 306431 | 10140 | SH |  | SOLE |  | 10140 | 0 | 0 |
| VISTA GOLD CORP | COM NEW | 927926303 |  | 144901 | 73929 | SH |  | SOLE |  | 73929 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 567486 | 6437 | SH |  | SOLE |  | 6437 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 12865627 | 93013 | SH |  | SOLE |  | 93013 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1751054 | 8925 | SH |  | SOLE |  | 8925 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 480470 | 6061 | SH |  | SOLE |  | 6061 | 0 | 0 |
| ALPHA ARCHITECT ETF TR | DISCIPLINE FUND | 02072L748 |  | 43449040 | 1790303 | SH |  | SOLE |  | 1790303 | 0 | 0 |
| DEERE  CO | COM | 244199105 |  | 212927 | 378 | SH |  | SOLE |  | 378 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 616831 | 3214 | SH |  | SOLE |  | 3214 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1752368 | 32421 | SH |  | SOLE |  | 32421 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 408729 | 10518 | SH |  | SOLE |  | 10518 | 0 | 0 |
| Dimensional ETF Trust | INT CORE EQUITY | 25434V799 |  | 216342 | 6089 | SH |  | SOLE |  | 6089 | 0 | 0 |
| EA Series Trust | Defined Duration 5 | 02072Q333 |  | 7689577 | 307648 | SH |  | SOLE |  | 307648 | 0 | 0 |
| VANGUARD TAX-MANAGED INTL FD | FTSE DEV MKT ETF | 921943858 |  | 2836931 | 44272 | SH |  | SOLE |  | 44272 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 789510 | 14263 | SH |  | SOLE |  | 14263 | 0 | 0 |
| CAMBRIA ETF TR | TAIL RISK | 132061862 |  | 216635 | 18500 | SH |  | SOLE |  | 18500 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 758762 | 4472 | SH |  | SOLE |  | 4472 | 0 | 0 |
| 2023  ETF Series Trust II | GMO INTL QUALITY | 90139K308 |  | 224766 | 9000 | SH |  | SOLE |  | 9000 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 3133380 | 101207 | SH |  | SOLE |  | 101207 | 0 | 0 |
| UNITED STS BRENT OIL FD LP | UNIT | 91167Q100 |  | 392415 | 7545 | SH |  | SOLE |  | 7545 | 0 | 0 |
| ISHARES TR | GRWT ALLOCAT ETF | 464289867 |  | 479308 | 7448 | SH |  | SOLE |  | 7448 | 0 | 0 |
| AMERICAN CENTY ETF TR | EMERGING MKT VAL | 025072372 |  | 242436 | 4042 | SH |  | SOLE |  | 4042 | 0 | 0 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 1439013 | 28700 | SH |  | SOLE |  | 28700 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 5398298 | 218113 | SH |  | SOLE |  | 218113 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 282928 | 7262 | SH |  | SOLE |  | 7262 | 0 | 0 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 233690 | 5493 | SH |  | SOLE |  | 5493 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 320697 | 6943 | SH |  | SOLE |  | 6943 | 0 | 0 |
| PLANET LABS PBC | COM CL A | 72703X106 |  | 692349 | 24771 | SH |  | SOLE |  | 24771 | 0 | 0 |

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