# EDGAR Filing Document

**Accession Number:** 0002055099
**File Stem:** 0002055099-25-000010
**Filing Date:** 2025-11
**Character Count:** 14636
**Document Hash:** 2fd676f9dc513e381189e6a624178c1e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002055099-25-000010.hdr.sgml**: 20251117

**ACCESSION NUMBER**: 0002055099-25-000010

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251117

**DATE AS OF CHANGE**: 20251117

**EFFECTIVENESS DATE**: 20251117

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Opulen Financial Group LLC
- **CENTRAL INDEX KEY:** 0002055099

**ORGANIZATION NAME:**
- **EIN:** 270344317
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24795
- **FILM NUMBER:** 251489833

**BUSINESS ADDRESS:**
- **STREET 1:** 3101 WILSON BLVD SUITE 500
- **CITY:** ARLINGTON
- **STATE:** VA
- **ZIP:** 22201
- **BUSINESS PHONE:** 5712992053

**MAIL ADDRESS:**
- **STREET 1:** 3101 WILSON BLVD SUITE 500
- **CITY:** ARLINGTON
- **STATE:** VA
- **ZIP:** 22201

### 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:** Opulen Financial Group LLC<br>**Address:** 3101 WILSON BLVD SUITE 500<br>ARLINGTON, VA 22201

**Form 13F File Number:** 028-24795

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 Cymer<br>**Title:** President<br>**Phone:** 5712992053

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

Thomas Cymer  Arlington, X1  11-17-2025<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:** 106

**Form 13F Information Table Value Total:** $131917399

      (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 |
| EXCHANGE TRADED CONCEPTS TRU | EMQQ THE EMERGIN | 301505889 |  | 785483 | 16916 | SH |  | SOLE |  | 16916 | 0 | 0 |
| FIRST TR EXCH TRADED FD III | PFD SECS INC ETF | 33739E108 |  | 599881 | 32888 | SH |  | SOLE |  | 32888 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 1546526 | 74747 | SH |  | SOLE |  | 74747 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 2254007 | 115236 | SH |  | SOLE |  | 115236 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 2194845 | 111357 | SH |  | SOLE |  | 111357 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 2630438 | 127877 | SH |  | SOLE |  | 127877 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 2825241 | 150199 | SH |  | SOLE |  | 150199 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 30 CORP | 46138J460 |  | 2868348 | 169725 | SH |  | SOLE |  | 169725 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2031 CP | 46138J429 |  | 2696731 | 161674 | SH |  | SOLE |  | 161674 | 0 | 0 |
| ISHARES TR | MRGSTR MD CP ETF | 464288208 |  | 594001 | 7152 | SH |  | SOLE |  | 7152 | 0 | 0 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 8231172 | 186268 | SH |  | SOLE |  | 185510 | 0 | 757 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 13977368 | 511992 | SH |  | SOLE |  | 510782 | 0 | 1209 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 15121506 | 22699 | SH |  | SOLE |  | 22690 | 0 | 9 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 475725 | 5204 | SH |  | SOLE |  | 5204 | 0 | 0 |
| WISDOMTREE TR | EM EX ST-OWNED | 97717X578 |  | 608639 | 16042 | SH |  | SOLE |  | 16042 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 291300 | 9083 | SH |  | SOLE |  | 9083 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1341958 | 6900 | SH |  | SOLE |  | 6900 | 0 | 0 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 4240312 | 20256 | SH |  | SOLE |  | 20182 | 0 | 73 |
| SSGA ACTIVE ETF TR | BLACKSTONE SENR | 78467V608 |  | 1121531 | 26973 | SH |  | SOLE |  | 26973 | 0 | 0 |
| SPDR SERIES TRUST | S KENSHO CLEAN | 78468R655 |  | 916537 | 10889 | SH |  | SOLE |  | 10801 | 0 | 88 |
| SPDR SERIES TRUST | S KENSHO NEW | 78468R648 |  | 437283 | 7024 | SH |  | SOLE |  | 6943 | 0 | 80 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 688813 | 9651 | SH |  | SOLE |  | 9651 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1027677 | 3132 | SH |  | SOLE |  | 3132 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | FT VEST S 500 | 33739Q705 |  | 356511 | 7230 | SH |  | SOLE |  | 7230 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 341901 | 3677 | SH |  | SOLE |  | 3677 | 0 | 0 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 319373 | 7085 | SH |  | SOLE |  | 7085 | 0 | 0 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 567894 | 4186 | SH |  | SOLE |  | 4186 | 0 | 0 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 382412 | 7962 | SH |  | SOLE |  | 7962 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 2656935 | 4425 | SH |  | SOLE |  | 4425 | 0 | 0 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 322783 | 5238 | SH |  | SOLE |  | 5173 | 0 | 65 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 560064 | 17080 | SH |  | SOLE |  | 17080 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULLETSHS 2032 | 46139W858 |  | 2384491 | 114200 | SH |  | SOLE |  | 114200 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | INVESCO BULLETSH | 46139W825 |  | 1485892 | 69208 | SH |  | SOLE |  | 69208 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1732136 | 6812 | SH |  | SOLE |  | 6812 | 0 | 0 |
| SPDR SERIES TRUST | FACTST INV ETF | 78464A110 |  | 550314 | 2890 | SH |  | SOLE |  | 2890 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1782071 | 6067 | SH |  | SOLE |  | 6067 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 1071826 | 10212 | SH |  | SOLE |  | 10103 | 0 | 108 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 2121118 | 7127 | SH |  | SOLE |  | 7117 | 0 | 10 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 2841313 | 13614 | SH |  | SOLE |  | 13581 | 0 | 33 |
| ISHARES TR | CORE S ETF | 464287200 |  | 4720887 | 7053 | SH |  | SOLE |  | 7053 | 0 | 0 |
| ISHARES TR | MRGSTR SM CP ETF | 464288505 |  | 426170 | 6719 | SH |  | SOLE |  | 6719 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG SHT TE | 78468R408 |  | 751085 | 29339 | SH |  | SOLE |  | 29339 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG 3-12 M | 78468R523 |  | 735993 | 7395 | SH |  | SOLE |  | 7395 | 0 | 0 |
| SPDR SERIES TRUST | MSCI USA STRTGIC | 78468R812 |  | 574584 | 3356 | SH |  | SOLE |  | 3356 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 737942 | 12315 | SH |  | SOLE |  | 12315 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG INVT | 78468R200 |  | 307093 | 9951 | SH |  | SOLE |  | 9951 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 828337 | 32044 | SH |  | SOLE |  | 32044 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 1371515 | 5550 | SH |  | SOLE |  | 5550 | 0 | 0 |
| SPDR INDEX SHS FDS | MSCI EAFE STRTGC | 78463X434 |  | 323686 | 3682 | SH |  | SOLE |  | 3682 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 395975 | 1405 | SH |  | SOLE |  | 1405 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1182635 | 6234 | SH |  | SOLE |  | 6234 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 487085 | 5120 | SH |  | SOLE |  | 5120 | 0 | 0 |
| SPDR SERIES TRUST | S 500 ESG ETF | 78468R531 |  | 549799 | 8646 | SH |  | SOLE |  | 8646 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 1344091 | 19743 | SH |  | SOLE |  | 19743 | 0 | 0 |
| ISHARES TR | MSCI USA SMCP MN | 46435G433 |  | 332493 | 7723 | SH |  | SOLE |  | 7723 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1332074 | 7139 | SH |  | SOLE |  | 7139 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 242198 | 7718 | SH |  | SOLE |  | 7718 | 0 | 0 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 241488 | 3715 | SH |  | SOLE |  | 3715 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 695412 | 1167 | SH |  | SOLE |  | 1167 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 748922 | 16168 | SH |  | SOLE |  | 16168 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 235938 | 3211 | SH |  | SOLE |  | 3211 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S 500 GARP ETF | 46137V431 |  | 379636 | 3341 | SH |  | SOLE |  | 3341 | 0 | 0 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 307560 | 1199 | SH |  | SOLE |  | 1199 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 203382 | 1020 | SH |  | SOLE |  | 1020 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3821613 | 6241 | SH |  | SOLE |  | 6241 | 0 | 0 |
| SPDR SERIES TRUST | SPDR S | 78464A128 |  | 599578 | 2937 | SH |  | SOLE |  | 2937 | 0 | 0 |
| ISHARES TR | INTL DIV GRWTH | 46435G524 |  | 412573 | 5179 | SH |  | SOLE |  | 5179 | 0 | 0 |
| SCHWAB STRATEGIC TR | 1000 INDEX ETF | 808524722 |  | 976009 | 30386 | SH |  | SOLE |  | 30386 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 219404 | 2987 | SH |  | SOLE |  | 2987 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 415199 | 7260 | SH |  | SOLE |  | 7260 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULLETSHARES 203 | 46139W783 |  | 346477 | 16483 | SH |  | SOLE |  | 16483 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 964383 | 2011 | SH |  | SOLE |  | 2011 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 458100 | 2456 | SH |  | SOLE |  | 2456 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 368208 | 1515 | SH |  | SOLE |  | 1515 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 270841 | 1112 | SH |  | SOLE |  | 1112 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 5279150 | 24043 | SH |  | SOLE |  | 24043 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 1156746 | 4543 | SH |  | SOLE |  | 4543 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 286356 | 10140 | SH |  | SOLE |  | 10140 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 229249 | 456 | SH |  | SOLE |  | 456 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 378077 | 1146 | SH |  | SOLE |  | 1146 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 255728 | 683 | SH |  | SOLE |  | 683 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 280195 | 888 | SH |  | SOLE |  | 888 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 546682 | 744 | SH |  | SOLE |  | 744 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 984747 | 1901 | SH |  | SOLE |  | 1901 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 405235 | 338 | SH |  | SOLE |  | 338 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 510094 | 1147 | SH |  | SOLE |  | 1147 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 266730 | 658 | SH |  | SOLE |  | 658 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 267257 | 2419 | SH |  | SOLE |  | 2419 | 0 | 0 |
| ISHARES TR | RUSEL 2500 ETF | 46435G268 |  | 205750 | 2791 | SH |  | SOLE |  | 2791 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 696783 | 9369 | SH |  | SOLE |  | 9369 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 228661 | 2072 | SH |  | SOLE |  | 2072 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 829216 | 6978 | SH |  | SOLE |  | 6978 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 347605 | 742 | SH |  | SOLE |  | 742 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 222825 | 2386 | SH |  | SOLE |  | 2386 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULLETSHS 32 MUN | 46139W833 |  | 219321 | 8782 | SH |  | SOLE |  | 8782 | 0 | 0 |
| ISHARES TR | MRGSTR SM CP GR | 464288604 |  | 217578 | 4006 | SH |  | SOLE |  | 4006 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 MUNI | 46138J510 |  | 299772 | 12689 | SH |  | SOLE |  | 12689 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 MUNI | 46138J494 |  | 203886 | 8617 | SH |  | SOLE |  | 8617 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2028 MUNI | 46138J486 |  | 207089 | 8844 | SH |  | SOLE |  | 8844 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2029 MUNI | 46138J478 |  | 216306 | 9364 | SH |  | SOLE |  | 9364 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | INVSC 30 MUNI BD | 46138J445 |  | 213983 | 9762 | SH |  | SOLE |  | 9762 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | INVESCO BULLETSH | 46139W791 |  | 242660 | 9499 | SH |  | SOLE |  | 9499 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 587500 | 7499 | SH |  | SOLE |  | 7499 | 0 | 0 |
| SSGA ACTIVE TR | SPDR SSGA MY2026 | 78470P820 |  | 260759 | 10376 | SH |  | SOLE |  | 10376 | 0 | 0 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 200656 | 433 | SH |  | SOLE |  | 433 | 0 | 0 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 410082 | 5115 | SH |  | SOLE |  | 5115 | 0 | 0 |

---