# EDGAR Filing Document

**Accession Number:** 0002060368
**File Stem:** 0001941040-25-000380
**Filing Date:** 2025-7
**Character Count:** 7981
**Document Hash:** 6dc29ff5b53248bbad5d0206f6536302
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001941040-25-000380.hdr.sgml**: 20250730

**ACCESSION NUMBER**: 0001941040-25-000380

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250730

**DATE AS OF CHANGE**: 20250730

**EFFECTIVENESS DATE**: 20250730

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SILVER OAK WEALTH ADVISORS SERVICES, LLC
- **CENTRAL INDEX KEY:** 0002060368

**ORGANIZATION NAME:**
- **EIN:** 822600413
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25456
- **FILM NUMBER:** 251168240

**BUSINESS ADDRESS:**
- **STREET 1:** 10940 WILSHIRE BLVD, SUITE 975
- **CITY:** LOS ANGELES
- **STATE:** CA
- **ZIP:** 90024
- **BUSINESS PHONE:** 310-207-4800

**MAIL ADDRESS:**
- **STREET 1:** 10940 WILSHIRE BLVD, SUITE 975
- **CITY:** LOS ANGELES
- **STATE:** CA
- **ZIP:** 90024

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** SILVER OAK WEALTH ADVISORS SERVICES LLC<br>**Address:** 10940 WILSHIRE BLVD SUITE 975<br>LOS ANGELES, CA 90024

**Form 13F File Number:** 028-25456

**CRD Number (if applicable):** 000291645

**SEC File Number (if applicable):** 801-112279

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:** Laura Robayo<br>**Title:** Chief Compliance Officer<br>**Phone:** 310-207-4800

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

Laura Robayo  Los Angeles, CA  07-30-2025<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:** 38

**Form 13F Information Table Value Total:** $138788708

      (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 | PARAMETRIC PORTFOLIO ASSOCIATES LLC | 028-04558              |    000114310 | 801-60485         |

### 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 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 6912365 | 100852 | SH |  | SOLE |  | 0 | 0 | 100852 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 7240710 | 106153 | SH |  | SOLE |  | 0 | 0 | 106153 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 3118690 | 34234 | SH |  | SOLE |  | 0 | 0 | 34234 |
| APPLE INC | COM | 037833100 |  | 1282163 | 6249 | SH |  | SOLE |  | 0 | 0 | 6249 |
| DAVE INC | CLASS A COM NEW | 23834J201 |  | 500853 | 1866 | SH |  | SOLE |  | 0 | 0 | 1866 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 204792 | 6900 | SH |  | SOLE |  | 0 | 0 | 6900 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 10149312 | 285414 | SH |  | SOLE |  | 0 | 0 | 285414 |
| DIMENSIONAL ETF TRUST | GLOBAL EX US COR | 25434V575 |  | 3725649 | 69821 | SH |  | SOLE |  | 0 | 0 | 69821 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA INT | 381430107 |  | 25704071 | 648111 | SH |  | SOLE |  | 0 | 0 | 648111 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 380564 | 2094 | SH |  | SOLE |  | 0 | 0 | 2094 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1064831 | 1930 | SH |  | SOLE |  | 0 | 0 | 1930 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 1221364 | 31181 | SH |  | SOLE |  | 0 | 0 | 31181 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 6709470 | 83628 | SH |  | SOLE |  | 0 | 0 | 83628 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 1967742 | 19121 | SH |  | SOLE |  | 0 | 0 | 19121 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 4433838 | 79545 | SH |  | SOLE |  | 0 | 0 | 79545 |
| ISHARES TR | EXPND TEC SC ETF | 464287549 |  | 202212 | 1800 | SH |  | SOLE |  | 0 | 0 | 1800 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 3118972 | 34958 | SH |  | SOLE |  | 0 | 0 | 34958 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 265560 | 2405 | SH |  | SOLE |  | 0 | 0 | 2405 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 575406 | 5411 | SH |  | SOLE |  | 0 | 0 | 5411 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 2351645 | 47374 | SH |  | SOLE |  | 0 | 0 | 47374 |
| MICROSOFT CORP | COM | 594918104 |  | 662839 | 1333 | SH |  | SOLE |  | 0 | 0 | 1333 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 739313 | 4679 | SH |  | SOLE |  | 0 | 0 | 4679 |
| ORACLE CORP | COM | 68389X105 |  | 263668 | 1206 | SH |  | SOLE |  | 0 | 0 | 1206 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 219154 | 8270 | SH |  | SOLE |  | 0 | 0 | 8270 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 575251 | 19694 | SH |  | SOLE |  | 0 | 0 | 19694 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 VAL | 921932844 |  | 215264 | 2255 | SH |  | SOLE |  | 0 | 0 | 2255 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1160283 | 3818 | SH |  | SOLE |  | 0 | 0 | 3818 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 345891 | 609 | SH |  | SOLE |  | 0 | 0 | 609 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 318278 | 726 | SH |  | SOLE |  | 0 | 0 | 726 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 210511 | 1079 | SH |  | SOLE |  | 0 | 0 | 1079 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 28042880 | 557845 | SH |  | SOLE |  | 0 | 0 | 557845 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 414148 | 6924 | SH |  | SOLE |  | 0 | 0 | 6924 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 2409695 | 29060 | SH |  | SOLE |  | 0 | 0 | 29060 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 3410428 | 42898 | SH |  | SOLE |  | 0 | 0 | 42898 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1338697 | 6541 | SH |  | SOLE |  | 0 | 0 | 6541 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 745121 | 13070 | SH |  | SOLE |  | 0 | 0 | 13070 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 265443 | 1991 | SH |  | SOLE |  | 0 | 0 | 1991 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 16321635 | 148866 | SH |  | SOLE |  | 0 | 0 | 148866 |

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