# EDGAR Filing Document

**Accession Number:** 0001986156
**File Stem:** 0001986156-26-000001
**Filing Date:** 2026-2
**Character Count:** 13988
**Document Hash:** d444f3d23182c18dba6e5a15e755e6dc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001986156-26-000001.hdr.sgml**: 20260212

**ACCESSION NUMBER**: 0001986156-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260212

**DATE AS OF CHANGE**: 20260211

**EFFECTIVENESS DATE**: 20260212

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Altiora Financial Group, LLC
- **CENTRAL INDEX KEY:** 0001986156

**ORGANIZATION NAME:**
- **EIN:** 823812591
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23304
- **FILM NUMBER:** 26622820

**BUSINESS ADDRESS:**
- **STREET 1:** 1607 MARIETTA DRIVE
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036
- **BUSINESS PHONE:** (513) 652-5776

**MAIL ADDRESS:**
- **STREET 1:** 1607 MARIETTA DRIVE
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036

### 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:** Altiora Financial Group LLC<br>**Address:** 1607 MARIETTA DRIVE<br>LEBANON, OH 45036

**Form 13F File Number:** 028-23304

**CRD Number (if applicable):** 000292008

**SEC File Number (if applicable):** 801-112389

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:** Derek Tinnin<br>**Title:** Managing Member<br>**Phone:** 513-652-5776

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

Derek Tinnin  Lebanon, OH  02-11-2026<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:** 99

**Form 13F Information Table Value Total:** $580249379

      (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 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 114876126 | 2901645 | SH |  | SOLE |  | 0 | 0 | 2901645 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 46963086 | 1434864 | SH |  | SOLE |  | 0 | 0 | 1434864 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 46725690 | 974467 | SH |  | SOLE |  | 0 | 0 | 974467 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 28141994 | 83938 | SH |  | SOLE |  | 0 | 0 | 83938 |
| SIMPLIFY EXCHANGE TRADED FUN | HIGH YIELD ETF | 82889N830 |  | 23926925 | 1074402 | SH |  | SOLE |  | 0 | 0 | 1074402 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 23242799 | 308137 | SH |  | SOLE |  | 0 | 0 | 308137 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 21939735 | 218567 | SH |  | SOLE |  | 0 | 0 | 218567 |
| SIMPLIFY EXCHANGE TRADED FUN | MANAGED FUTURES | 82889N699 |  | 18113098 | 664457 | SH |  | SOLE |  | 0 | 0 | 664457 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 16158943 | 644296 | SH |  | SOLE |  | 0 | 0 | 644296 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 15280264 | 207528 | SH |  | SOLE |  | 0 | 0 | 207528 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 14060543 | 236153 | SH |  | SOLE |  | 0 | 0 | 236153 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 13434905 | 507169 | SH |  | SOLE |  | 0 | 0 | 507169 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 12988985 | 278793 | SH |  | SOLE |  | 0 | 0 | 278793 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 10283205 | 204478 | SH |  | SOLE |  | 0 | 0 | 204478 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 9908934 | 92867 | SH |  | SOLE |  | 0 | 0 | 92867 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 9247118 | 185313 | SH |  | SOLE |  | 0 | 0 | 185313 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 9047724 | 178632 | SH |  | SOLE |  | 0 | 0 | 178632 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 8275147 | 111570 | SH |  | SOLE |  | 0 | 0 | 111570 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 8261690 | 339011 | SH |  | SOLE |  | 0 | 0 | 339011 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 6637373 | 87982 | SH |  | SOLE |  | 0 | 0 | 87982 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 |  | 6634940 | 57645 | SH |  | SOLE |  | 0 | 0 | 57645 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 6427068 | 13174 | SH |  | SOLE |  | 0 | 0 | 13174 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R523 |  | 6168033 | 62165 | SH |  | SOLE |  | 0 | 0 | 62165 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 6164074 | 162084 | SH |  | SOLE |  | 0 | 0 | 162084 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 5226861 | 64394 | SH |  | SOLE |  | 0 | 0 | 64394 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 5220301 | 50984 | SH |  | SOLE |  | 0 | 0 | 50984 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 5106856 | 86955 | SH |  | SOLE |  | 0 | 0 | 86955 |
| VANGUARD CALIF TAX FREE FDS | TAX EXEMPT BD FD | 922021605 |  | 5013000 | 50000 | SH |  | SOLE |  | 0 | 0 | 50000 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 4742706 | 68074 | SH |  | SOLE |  | 0 | 0 | 68074 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 4484626 | 44151 | SH |  | SOLE |  | 0 | 0 | 44151 |
| MICROSOFT CORP | COM | 594918104 |  | 3431219 | 7095 | SH |  | SOLE |  | 0 | 0 | 7095 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 3375737 | 88579 | SH |  | SOLE |  | 0 | 0 | 88579 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 3266043 | 78596 | SH |  | SOLE |  | 0 | 0 | 78596 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 3236591 | 102214 | SH |  | SOLE |  | 0 | 0 | 102214 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 2919010 | 62372 | SH |  | SOLE |  | 0 | 0 | 62372 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 2848710 | 47534 | SH |  | SOLE |  | 0 | 0 | 47534 |
| APPLE INC | COM | 037833100 |  | 2773146 | 10201 | SH |  | SOLE |  | 0 | 0 | 10201 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 2451587 | 106475 | SH |  | SOLE |  | 0 | 0 | 106475 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2316908 | 46844 | SH |  | SOLE |  | 0 | 0 | 46844 |
| TESLA INC | COM | 88160R101 |  | 2276483 | 5062 | SH |  | SOLE |  | 0 | 0 | 5062 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R101 |  | 2268863 | 77488 | SH |  | SOLE |  | 0 | 0 | 77488 |
| SIMPLIFY EXCHANGE TRADED FUN | ENHANCED INM ETF | 82889N632 |  | 1981120 | 88800 | SH |  | SOLE |  | 0 | 0 | 88800 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1751485 | 2557 | SH |  | SOLE |  | 0 | 0 | 2557 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 |  | 1728558 | 69420 | SH |  | SOLE |  | 0 | 0 | 69420 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1419056 | 7831 | SH |  | SOLE |  | 0 | 0 | 7831 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 1415811 | 41086 | SH |  | SOLE |  | 0 | 0 | 41086 |
| AMAZON COM INC | COM | 023135106 |  | 1394153 | 6040 | SH |  | SOLE |  | 0 | 0 | 6040 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1313215 | 4185 | SH |  | SOLE |  | 0 | 0 | 4185 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 1184672 | 31176 | SH |  | SOLE |  | 0 | 0 | 31176 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 1129180 | 26000 | SH |  | SOLE |  | 0 | 0 | 26000 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 1045476 | 5650 | SH |  | SOLE |  | 0 | 0 | 5650 |
| BILL HOLDINGS INC | COM | 090043100 |  | 1036260 | 19000 | SH |  | SOLE |  | 0 | 0 | 19000 |
| ELI LILLY  CO | COM | 532457108 |  | 970437 | 903 | SH |  | SOLE |  | 0 | 0 | 903 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 951196 | 3039 | SH |  | SOLE |  | 0 | 0 | 3039 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 858033 | 25938 | SH |  | SOLE |  | 0 | 0 | 25938 |
| BANK AMERICA CORP | COM | 060505104 |  | 825550 | 15010 | SH |  | SOLE |  | 0 | 0 | 15010 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 765089 | 22676 | SH |  | SOLE |  | 0 | 0 | 22676 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 757410 | 7071 | SH |  | SOLE |  | 0 | 0 | 7071 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 754548 | 875 | SH |  | SOLE |  | 0 | 0 | 875 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 676184 | 3540 | SH |  | SOLE |  | 0 | 0 | 3540 |
| CHEVRON CORP NEW | COM | 166764100 |  | 626710 | 4112 | SH |  | SOLE |  | 0 | 0 | 4112 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 618244 | 1560 | SH |  | SOLE |  | 0 | 0 | 1560 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 537201 | 3748 | SH |  | SOLE |  | 0 | 0 | 3748 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 533500 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 532493 | 16349 | SH |  | SOLE |  | 0 | 0 | 16349 |
| SCHWAB STRATEGIC TR | MUN BD ETF | 808524649 |  | 515200 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 505934 | 10190 | SH |  | SOLE |  | 0 | 0 | 10190 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 505880 | 16751 | SH |  | SOLE |  | 0 | 0 | 16751 |
| GLOBAL X FDS | GLB X MLP ENRG I | 37954Y293 |  | 487267 | 8050 | SH |  | SOLE |  | 0 | 0 | 8050 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 |  | 484364 | 6800 | SH |  | SOLE |  | 0 | 0 | 6800 |
| ISHARES TR | MSCI CHINA ETF | 46429B671 |  | 479960 | 7990 | SH |  | SOLE |  | 0 | 0 | 7990 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 468905 | 688 | SH |  | SOLE |  | 0 | 0 | 688 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 413501 | 1603 | SH |  | SOLE |  | 0 | 0 | 1603 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 394154 | 3466 | SH |  | SOLE |  | 0 | 0 | 3466 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 389890 | 9100 | SH |  | SOLE |  | 0 | 0 | 9100 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 374106 | 967 | SH |  | SOLE |  | 0 | 0 | 967 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 370516 | 4890 | SH |  | SOLE |  | 0 | 0 | 4890 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 370089 | 1788 | SH |  | SOLE |  | 0 | 0 | 1788 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 370061 | 4641 | SH |  | SOLE |  | 0 | 0 | 4641 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 367304 | 2563 | SH |  | SOLE |  | 0 | 0 | 2563 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 346280 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 342655 | 1038 | SH |  | SOLE |  | 0 | 0 | 1038 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 338288 | 1009 | SH |  | SOLE |  | 0 | 0 | 1009 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 305689 | 1032 | SH |  | SOLE |  | 0 | 0 | 1032 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 305190 | 1441 | SH |  | SOLE |  | 0 | 0 | 1441 |
| BARRICK MNG CORP | COM SHS | 06849F108 |  | 300495 | 6900 | SH |  | SOLE |  | 0 | 0 | 6900 |
| META PLATFORMS INC | CL A | 30303M102 |  | 290425 | 440 | SH |  | SOLE |  | 0 | 0 | 440 |
| WALMART INC | COM | 931142103 |  | 270838 | 2431 | SH |  | SOLE |  | 0 | 0 | 2431 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 269054 | 835 | SH |  | SOLE |  | 0 | 0 | 835 |
| NEWMONT CORP | COM | 651639106 |  | 264330 | 2647 | SH |  | SOLE |  | 0 | 0 | 2647 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 250840 | 3410 | SH |  | SOLE |  | 0 | 0 | 3410 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 249523 | 1338 | SH |  | SOLE |  | 0 | 0 | 1338 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 231025 | 4964 | SH |  | SOLE |  | 0 | 0 | 4964 |
| CATERPILLAR INC | COM | 149123101 |  | 229148 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| AGNICO EAGLE MINES LTD | COM | 008474108 |  | 222254 | 1311 | SH |  | SOLE |  | 0 | 0 | 1311 |
| CINTAS CORP | COM | 172908105 |  | 221485 | 1178 | SH |  | SOLE |  | 0 | 0 | 1178 |
| NETFLIX INC | COM | 64110L106 |  | 220336 | 2350 | SH |  | SOLE |  | 0 | 0 | 2350 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 212069 | 965 | SH |  | SOLE |  | 0 | 0 | 965 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 209697 | 6376 | SH |  | SOLE |  | 0 | 0 | 6376 |

---