# EDGAR Filing Document

**Accession Number:** 0001906766
**File Stem:** 0001906766-25-000002
**Filing Date:** 2025-10
**Character Count:** 11259
**Document Hash:** afd8e4b80ee9bf4619bd036ed1e9f3b6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001906766-25-000002.hdr.sgml**: 20251016

**ACCESSION NUMBER**: 0001906766-25-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251016

**DATE AS OF CHANGE**: 20251016

**EFFECTIVENESS DATE**: 20251016

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** OLIO Financial Planning
- **CENTRAL INDEX KEY:** 0001906766

**ORGANIZATION NAME:**
- **EIN:** 475598884
- **STATE OF INCORPORATION:** VA

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21531
- **FILM NUMBER:** 251398332

**BUSINESS ADDRESS:**
- **STREET 1:** 1751 PINNACLE DRIVE
- **STREET 2:** SUITE 600
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
- **BUSINESS PHONE:** 540-961-6706

**MAIL ADDRESS:**
- **STREET 1:** 1751 PINNACLE DRIVE
- **STREET 2:** SUITE 600
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** OLIO Financial Planning<br>**Address:** 1751 PINNACLE DRIVE<br>SUITE 600<br>MCLEAN, VA 22102

**Form 13F File Number:** 028-21531

**CRD Number (if applicable):** 000282355

**SEC File Number (if applicable):** 801-11849

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:** Andrew Miller<br>**Title:** CEO<br>**Phone:** 703-349-9299

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

/s/Andrew Miller  McLean, VA  10-16-2025<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:** 67

**Form 13F Information Table Value Total:** $340860425

      (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 |
| AEGON LTD | AMER REG 1 CERT | 0076CA104 | BBG001S6Y6M8 | 672351 | 84149 | SH |  | SOLE |  | 0 | 0 | 84149 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 461861 | 1896 | SH |  | SOLE |  | 0 | 0 | 1896 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 831951 | 3789 | SH |  | SOLE |  | 0 | 0 | 3789 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 2108307 | 8280 | SH |  | SOLE |  | 0 | 0 | 8280 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1021568 | 2032 | SH |  | SOLE |  | 0 | 0 | 2032 |
| BOOZ ALLEN HAMILTON HLDG COR | CL A | 099502106 | BBG001T91S76 | 704948 | 7053 | SH |  | SOLE |  | 0 | 0 | 7053 |
| CARLISLE COS INC | COM | 142339100 | BBG001S5Q6R4 | 393437 | 1196 | SH |  | SOLE |  | 0 | 0 | 1196 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 255986 | 277 | SH |  | SOLE |  | 0 | 0 | 277 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 | BBG011DXXNJ2 | 59747931 | 824792 | SH |  | SOLE |  | 0 | 0 | 824792 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | BBG0177CTQC7 | 215136 | 4814 | SH |  | SOLE |  | 0 | 0 | 4814 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | BBG011DXY0L8 | 12306023 | 211407 | SH |  | SOLE |  | 0 | 0 | 211407 |
| DOMINION ENERGY INC | COM | 25746U109 | BBG001S5QCP3 | 396191 | 6477 | SH |  | SOLE |  | 0 | 0 | 6477 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 326073 | 2892 | SH |  | SOLE |  | 0 | 0 | 2892 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 | BBG0078X1341 | 42652832 | 922423 | SH |  | SOLE |  | 0 | 0 | 922423 |
| GLADSTONE COMMERCIAL CORP | COM | 376536108 | BBG001SK8138 | 357896 | 29050 | SH |  | SOLE |  | 0 | 0 | 29050 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 525496 | 1175 | SH |  | SOLE |  | 0 | 0 | 1175 |
| INVESCO EXCHANGE TRADED FD T | S EQL TEC | 46137V282 | BBG00KJR2V68 | 220092 | 4937 | SH |  | SOLE |  | 0 | 0 | 4937 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 472492 | 787 | SH |  | SOLE |  | 0 | 0 | 787 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 | BBG01KYQ6QS5 | 276900 | 4260 | SH |  | SOLE |  | 0 | 0 | 4260 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 | BBG00D7BDH70 | 841914 | 19390 | SH |  | SOLE |  | 0 | 0 | 19390 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 | BBG00H5VLN77 | 815521 | 12080 | SH |  | SOLE |  | 0 | 0 | 12080 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 522540 | 3588 | SH |  | SOLE |  | 0 | 0 | 3588 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 555900 | 831 | SH |  | SOLE |  | 0 | 0 | 831 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 2010135 | 21619 | SH |  | SOLE |  | 0 | 0 | 21619 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 | BBG00KK87757 | 496962 | 11024 | SH |  | SOLE |  | 0 | 0 | 11024 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 1242260 | 8532 | SH |  | SOLE |  | 0 | 0 | 8532 |
| ISHARES TR | ESG OPTIMIZED | 464288802 | BBG001SN86J4 | 311046 | 2293 | SH |  | SOLE |  | 0 | 0 | 2293 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 525635 | 4936 | SH |  | SOLE |  | 0 | 0 | 4936 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 | BBG00M8D2458 | 860688 | 16863 | SH |  | SOLE |  | 0 | 0 | 16863 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 660511 | 2094 | SH |  | SOLE |  | 0 | 0 | 2094 |
| KROGER CO | COM | 501044101 | BBG001S5SN40 | 231393 | 3433 | SH |  | SOLE |  | 0 | 0 | 3433 |
| LEIDOS HOLDINGS INC | COM | 525327102 | BBG001SKW6M9 | 275315 | 1457 | SH |  | SOLE |  | 0 | 0 | 1457 |
| MANHATTAN BRDG CAP INC | COM | 562803106 | BBG001SCRDM8 | 69108 | 69108 | SH |  | SOLE |  | 0 | 0 | 69108 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 492718 | 671 | SH |  | SOLE |  | 0 | 0 | 671 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 612239 | 1182 | SH |  | SOLE |  | 0 | 0 | 1182 |
| MOODYS CORP | COM | 615369105 | BBG001S5VP87 | 273698 | 574 | SH |  | SOLE |  | 0 | 0 | 574 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 239784 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| NORFOLK SOUTHN CORP | COM | 655844108 | BBG001S5TQJ6 | 494562 | 1646 | SH |  | SOLE |  | 0 | 0 | 1646 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 793909 | 4255 | SH |  | SOLE |  | 0 | 0 | 4255 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 377664 | 2257 | SH |  | SOLE |  | 0 | 0 | 2257 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 1503097 | 45043 | SH |  | SOLE |  | 0 | 0 | 45043 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 637113 | 24781 | SH |  | SOLE |  | 0 | 0 | 24781 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 4328141 | 158540 | SH |  | SOLE |  | 0 | 0 | 158540 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 | BBG001S7TCZ5 | 364727 | 1294 | SH |  | SOLE |  | 0 | 0 | 1294 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 552756 | 1555 | SH |  | SOLE |  | 0 | 0 | 1555 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | BBG001SRXRJ1 | 331965 | 7758 | SH |  | SOLE |  | 0 | 0 | 7758 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 | BBG001SRXRD7 | 2976742 | 63592 | SH |  | SOLE |  | 0 | 0 | 63592 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 283712 | 426 | SH |  | SOLE |  | 0 | 0 | 426 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 | BBG001SG6843 | 817953 | 10142 | SH |  | SOLE |  | 0 | 0 | 10142 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 | BBG001STKD11 | 226886 | 8777 | SH |  | SOLE |  | 0 | 0 | 8777 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 | BBG001T6B0P2 | 2233222 | 73728 | SH |  | SOLE |  | 0 | 0 | 73728 |
| TENABLE HLDGS INC | COM | 88025T102 | BBG00LBLCDR3 | 218700 | 7500 | SH |  | SOLE |  | 0 | 0 | 7500 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 251712 | 566 | SH |  | SOLE |  | 0 | 0 | 566 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 583031 | 7466 | SH |  | SOLE |  | 0 | 0 | 7466 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 341046 | 4322 | SH |  | SOLE |  | 0 | 0 | 4322 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 16393343 | 93902 | SH |  | SOLE |  | 0 | 0 | 93902 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 1413238 | 4811 | SH |  | SOLE |  | 0 | 0 | 4811 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 836723 | 1366 | SH |  | SOLE |  | 0 | 0 | 1366 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 3096074 | 14834 | SH |  | SOLE |  | 0 | 0 | 14834 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 202319 | 796 | SH |  | SOLE |  | 0 | 0 | 796 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 40791646 | 124300 | SH |  | SOLE |  | 0 | 0 | 124300 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 59141031 | 317127 | SH |  | SOLE |  | 0 | 0 | 317127 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 10032617 | 140572 | SH |  | SOLE |  | 0 | 0 | 140572 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 2231395 | 41185 | SH |  | SOLE |  | 0 | 0 | 41185 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 4136011 | 82605 | SH |  | SOLE |  | 0 | 0 | 82605 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 1689220 | 22995 | SH |  | SOLE |  | 0 | 0 | 22995 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 48595032 | 810999 | SH |  | SOLE |  | 0 | 0 | 810999 |

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