# EDGAR Filing Document

**Accession Number:** 0002023336
**File Stem:** 0001754960-26-000039
**Filing Date:** 2026-1
**Character Count:** 15781
**Document Hash:** 065a0304d4665ef4a7e2770625651439
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-26-000039.hdr.sgml**: 20260113

**ACCESSION NUMBER**: 0001754960-26-000039

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260113

**DATE AS OF CHANGE**: 20260113

**EFFECTIVENESS DATE**: 20260113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Kelly Financial Services LLC
- **CENTRAL INDEX KEY:** 0002023336

**ORGANIZATION NAME:**
- **EIN:** 274530406
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24223
- **FILM NUMBER:** 26529162

**BUSINESS ADDRESS:**
- **STREET 1:** 10 FORBES ROAD
- **STREET 2:** SUITE 130
- **CITY:** BRAINTREE
- **STATE:** MA
- **ZIP:** 02184
- **BUSINESS PHONE:** 781-849-3090

**MAIL ADDRESS:**
- **STREET 1:** 10 FORBES ROAD
- **STREET 2:** SUITE 130
- **CITY:** BRAINTREE
- **STATE:** MA
- **ZIP:** 02184

### 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:** Kelly Financial Services LLC<br>**Address:** 10 FORBES ROAD<br>SUITE 130<br>BRAINTREE, MA 02184

**Form 13F File Number:** 028-24223

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:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

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

Aryn Sands  Reno, NV  01-13-2026<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:** 123

**Form 13F Information Table Value Total:** $398985550

      (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 |
| AT INC | COM | 00206R102 |  | 295465 | 11895 | SH |  | SOLE |  | 0 | 0 | 11895 |
| ABBOTT LABS | COM | 002824100 |  | 222721 | 1778 | SH |  | SOLE |  | 0 | 0 | 1778 |
| ABBVIE INC | COM | 00287Y109 |  | 369733 | 1618 | SH |  | SOLE |  | 0 | 0 | 1618 |
| ABRDN SILVER ETF TRUST | PHYSCL SILVR SHS | 003264108 |  | 288011 | 4258 | SH |  | SOLE |  | 0 | 0 | 4258 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 480551 | 1531 | SH |  | SOLE |  | 0 | 0 | 1531 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 617893 | 1974 | SH |  | SOLE |  | 0 | 0 | 1974 |
| AMAZON COM INC | COM | 023135106 |  | 1189751 | 5154 | SH |  | SOLE |  | 0 | 0 | 5154 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 208548 | 564 | SH |  | SOLE |  | 0 | 0 | 564 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 259546 | 529 | SH |  | SOLE |  | 0 | 0 | 529 |
| AMGEN INC | COM | 031162100 |  | 243443 | 744 | SH |  | SOLE |  | 0 | 0 | 744 |
| APPLE INC | COM | 037833100 |  | 4050785 | 14900 | SH |  | SOLE |  | 0 | 0 | 14900 |
| APPLIED MATLS INC | COM | 038222105 |  | 563357 | 2192 | SH |  | SOLE |  | 0 | 0 | 2192 |
| BANK AMERICA CORP | COM | 060505104 |  | 261437 | 4753 | SH |  | SOLE |  | 0 | 0 | 4753 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 17158617 | 325159 | SH |  | SOLE |  | 0 | 0 | 325159 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528843 |  | 2268454 | 46599 | SH |  | SOLE |  | 0 | 0 | 46599 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 33060469 | 543668 | SH |  | SOLE |  | 0 | 0 | 543668 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 10767602 | 323351 | SH |  | SOLE |  | 0 | 0 | 323351 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 11060581 | 286841 | SH |  | SOLE |  | 0 | 0 | 286841 |
| BLACKROCK ETF TRUST | ISHARES US LARG | 09290C863 |  | 1703677 | 53778 | SH |  | SOLE |  | 0 | 0 | 53778 |
| BLACKROCK INC | COM | 09290D101 |  | 233504 | 218 | SH |  | SOLE |  | 0 | 0 | 218 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 209595 | 865 | SH |  | SOLE |  | 0 | 0 | 865 |
| CHEVRON CORP NEW | COM | 166764100 |  | 504299 | 3309 | SH |  | SOLE |  | 0 | 0 | 3309 |
| CISCO SYS INC | COM | 17275R102 |  | 277047 | 3597 | SH |  | SOLE |  | 0 | 0 | 3597 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 367583 | 3927 | SH |  | SOLE |  | 0 | 0 | 3927 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 223381 | 259 | SH |  | SOLE |  | 0 | 0 | 259 |
| DIREXION SHS ETF TR | DLY TECH BULL 3X | 25459W102 |  | 263700 | 2244 | SH |  | SOLE |  | 0 | 0 | 2244 |
| DIREXION SHS ETF TR | DRX S | 25459W862 |  | 1149225 | 5209 | SH |  | SOLE |  | 0 | 0 | 5209 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 700442 | 5821 | SH |  | SOLE |  | 0 | 0 | 5821 |
| META PLATFORMS INC | CL A | 30303M102 |  | 250964 | 380 | SH |  | SOLE |  | 0 | 0 | 380 |
| FIRST TR EXCHNG TRADED FD VI | VEST BUFFERED | 33740U778 |  | 218620 | 7944 | SH |  | SOLE |  | 0 | 0 | 7944 |
| FRANKLIN TEMPLETON ETF TR | INTL COR DIV TIL | 35473P108 |  | 1708666 | 43936 | SH |  | SOLE |  | 0 | 0 | 43936 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 207485 | 616 | SH |  | SOLE |  | 0 | 0 | 616 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 6558722 | 101230 | SH |  | SOLE |  | 0 | 0 | 101230 |
| HOME DEPOT INC | COM | 437076102 |  | 648299 | 1884 | SH |  | SOLE |  | 0 | 0 | 1884 |
| INDEPENDENT BK CORP MASS | COM | 453836108 |  | 1528031 | 20909 | SH |  | SOLE |  | 0 | 0 | 20909 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 283822 | 462 | SH |  | SOLE |  | 0 | 0 | 462 |
| INVESCO EXCH TRADED FD TR II | PURBTA 0 5 YR | 46138E495 |  | 920965 | 35538 | SH |  | SOLE |  | 0 | 0 | 35538 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 10766144 | 132637 | SH |  | SOLE |  | 0 | 0 | 132637 |
| ISHARES TR | S 100 ETF | 464287101 |  | 22187243 | 64691 | SH |  | SOLE |  | 0 | 0 | 64691 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 3016944 | 20290 | SH |  | SOLE |  | 0 | 0 | 20290 |
| ISHARES TR | CORE S ETF | 464287200 |  | 28286845 | 41298 | SH |  | SOLE |  | 0 | 0 | 41298 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 482202 | 4376 | SH |  | SOLE |  | 0 | 0 | 4376 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 22540523 | 182870 | SH |  | SOLE |  | 0 | 0 | 182870 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 27334934 | 128896 | SH |  | SOLE |  | 0 | 0 | 128896 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 807079 | 9260 | SH |  | SOLE |  | 0 | 0 | 9260 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 280857 | 933 | SH |  | SOLE |  | 0 | 0 | 933 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 315038 | 844 | SH |  | SOLE |  | 0 | 0 | 844 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 1937926 | 9705 | SH |  | SOLE |  | 0 | 0 | 9705 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 407323 | 3389 | SH |  | SOLE |  | 0 | 0 | 3389 |
| ISHARES TR | MORNINGSTAR VALU | 464288109 |  | 487528 | 5167 | SH |  | SOLE |  | 0 | 0 | 5167 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 4343382 | 45112 | SH |  | SOLE |  | 0 | 0 | 45112 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 898813 | 8391 | SH |  | SOLE |  | 0 | 0 | 8391 |
| ISHARES TR | MBS ETF | 464288588 |  | 10517452 | 110454 | SH |  | SOLE |  | 0 | 0 | 110454 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 355639 | 6601 | SH |  | SOLE |  | 0 | 0 | 6601 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 12906397 | 126944 | SH |  | SOLE |  | 0 | 0 | 126944 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 220310 | 1846 | SH |  | SOLE |  | 0 | 0 | 1846 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 230806 | 1075 | SH |  | SOLE |  | 0 | 0 | 1075 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 14188973 | 198697 | SH |  | SOLE |  | 0 | 0 | 198697 |
| ISHARES TR | RUS TP200 VL ETF | 464289420 |  | 787505 | 8573 | SH |  | SOLE |  | 0 | 0 | 8573 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 359938 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| ISHARES TR | RUS TOP 200 ETF | 464289446 |  | 208859 | 1224 | SH |  | SOLE |  | 0 | 0 | 1224 |
| ISHARES TR | A RATE CP BD ETF | 46429B291 |  | 13002862 | 270386 | SH |  | SOLE |  | 0 | 0 | 270386 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 402310 | 4273 | SH |  | SOLE |  | 0 | 0 | 4273 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 13051081 | 65709 | SH |  | SOLE |  | 0 | 0 | 65709 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 10078776 | 40265 | SH |  | SOLE |  | 0 | 0 | 40265 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 23759037 | 353452 | SH |  | SOLE |  | 0 | 0 | 353452 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 1371270 | 29464 | SH |  | SOLE |  | 0 | 0 | 29464 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 282525 | 4070 | SH |  | SOLE |  | 0 | 0 | 4070 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 1004026 | 10193 | SH |  | SOLE |  | 0 | 0 | 10193 |
| ISHARES TR | INVESTMENT GRADE | 46435G219 |  | 3965599 | 86851 | SH |  | SOLE |  | 0 | 0 | 86851 |
| ISHARES TR | HIGH YLD SYSTM B | 46435G250 |  | 260818 | 5508 | SH |  | SOLE |  | 0 | 0 | 5508 |
| ISHARES TR | MSCI INTL VLU FT | 46435G409 |  | 808094 | 21238 | SH |  | SOLE |  | 0 | 0 | 21238 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 10555345 | 211065 | SH |  | SOLE |  | 0 | 0 | 211065 |
| ISHARES TR | SYSTEMATIC BD ET | 46435U796 |  | 5065724 | 56436 | SH |  | SOLE |  | 0 | 0 | 56436 |
| ISHARES TR | HIGH YLD CORP BD | 46436E320 |  | 4784464 | 160230 | SH |  | SOLE |  | 0 | 0 | 160230 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 661634 | 2053 | SH |  | SOLE |  | 0 | 0 | 2053 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE VALUE ETF | 46641Q167 |  | 203633 | 2839 | SH |  | SOLE |  | 0 | 0 | 2839 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 1730053 | 30225 | SH |  | SOLE |  | 0 | 0 | 30225 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDRS US | 46641Q399 |  | 509573 | 4132 | SH |  | SOLE |  | 0 | 0 | 4132 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 662494 | 11399 | SH |  | SOLE |  | 0 | 0 | 11399 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 5693977 | 112574 | SH |  | SOLE |  | 0 | 0 | 112574 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 603234 | 2915 | SH |  | SOLE |  | 0 | 0 | 2915 |
| KLA CORP | COM NEW | 482480100 |  | 367771 | 303 | SH |  | SOLE |  | 0 | 0 | 303 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 675825 | 1397 | SH |  | SOLE |  | 0 | 0 | 1397 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 524078 | 1689 | SH |  | SOLE |  | 0 | 0 | 1689 |
| MCDONALDS CORP | COM | 580135101 |  | 300468 | 983 | SH |  | SOLE |  | 0 | 0 | 983 |
| MICROSOFT CORP | COM | 594918104 |  | 2250536 | 4654 | SH |  | SOLE |  | 0 | 0 | 4654 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 206633 | 1499 | SH |  | SOLE |  | 0 | 0 | 1499 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 781438 | 4190 | SH |  | SOLE |  | 0 | 0 | 4190 |
| ORACLE CORP | COM | 68389X105 |  | 541435 | 2778 | SH |  | SOLE |  | 0 | 0 | 2778 |
| PAYCHEX INC | COM | 704326107 |  | 210072 | 1873 | SH |  | SOLE |  | 0 | 0 | 1873 |
| PEPSICO INC | COM | 713448108 |  | 238605 | 1663 | SH |  | SOLE |  | 0 | 0 | 1663 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 316147 | 1971 | SH |  | SOLE |  | 0 | 0 | 1971 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 246722 | 1722 | SH |  | SOLE |  | 0 | 0 | 1722 |
| PROLOGIS INC. | COM | 74340W103 |  | 243747 | 1909 | SH |  | SOLE |  | 0 | 0 | 1909 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 253989 | 3163 | SH |  | SOLE |  | 0 | 0 | 3163 |
| RTX CORPORATION | COM | 755111309 |  | 1483181 | 8087 | SH |  | SOLE |  | 0 | 0 | 8087 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 393904 | 1012 | SH |  | SOLE |  | 0 | 0 | 1012 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1845514 | 2706 | SH |  | SOLE |  | 0 | 0 | 2706 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 348490 | 879 | SH |  | SOLE |  | 0 | 0 | 879 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 394745 | 8433 | SH |  | SOLE |  | 0 | 0 | 8433 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 532565 | 11992 | SH |  | SOLE |  | 0 | 0 | 11992 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 868527 | 8140 | SH |  | SOLE |  | 0 | 0 | 8140 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 213622 | 4559 | SH |  | SOLE |  | 0 | 0 | 4559 |
| SSGA ACTIVE TR | STATE STREET US | 78470P408 |  | 605623 | 9720 | SH |  | SOLE |  | 0 | 0 | 9720 |
| SSGA ACTIVE TR | STATE STREET FIX | 78470P507 |  | 359447 | 13873 | SH |  | SOLE |  | 0 | 0 | 13873 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 8126400 | 324019 | SH |  | SOLE |  | 0 | 0 | 324019 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 4506998 | 13909 | SH |  | SOLE |  | 0 | 0 | 13909 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 228738 | 1421 | SH |  | SOLE |  | 0 | 0 | 1421 |
| SNAP ON INC | COM | 833034101 |  | 233306 | 677 | SH |  | SOLE |  | 0 | 0 | 677 |
| TJX COS INC NEW | COM | 872540109 |  | 491911 | 3202 | SH |  | SOLE |  | 0 | 0 | 3202 |
| TESLA INC | COM | 88160R101 |  | 606814 | 1349 | SH |  | SOLE |  | 0 | 0 | 1349 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 282980 | 488 | SH |  | SOLE |  | 0 | 0 | 488 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 |  | 3342016 | 129435 | SH |  | SOLE |  | 0 | 0 | 129435 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 275349 | 3494 | SH |  | SOLE |  | 0 | 0 | 3494 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 555660 | 8895 | SH |  | SOLE |  | 0 | 0 | 8895 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 350939 | 7263 | SH |  | SOLE |  | 0 | 0 | 7263 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 333495 | 442 | SH |  | SOLE |  | 0 | 0 | 442 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 203788 | 3791 | SH |  | SOLE |  | 0 | 0 | 3791 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 556282 | 1140 | SH |  | SOLE |  | 0 | 0 | 1140 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 396613 | 2077 | SH |  | SOLE |  | 0 | 0 | 2077 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 301339 | 7398 | SH |  | SOLE |  | 0 | 0 | 7398 |
| VISA INC | COM CL A | 92826C839 |  | 339658 | 968 | SH |  | SOLE |  | 0 | 0 | 968 |

---