# EDGAR Filing Document

**Accession Number:** 0002004980
**File Stem:** 0001172661-25-004322
**Filing Date:** 2025-10
**Character Count:** 7871
**Document Hash:** 22bf802ba8ee67353a7fe9aab40f0de9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-004322.hdr.sgml**: 20251017

**ACCESSION NUMBER**: 0001172661-25-004322

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251017

**DATE AS OF CHANGE**: 20251017

**EFFECTIVENESS DATE**: 20251017

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Towneley Capital Management, Inc / DE
- **CENTRAL INDEX KEY:** 0002004980

**ORGANIZATION NAME:**
- **EIN:** 463728846
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23507
- **FILM NUMBER:** 251400257

**BUSINESS ADDRESS:**
- **STREET 1:** 23197 LA CADENA DRIVE
- **STREET 2:** SUITE 103
- **CITY:** LAGUNA HILLS
- **STATE:** CA
- **ZIP:** 92653
- **BUSINESS PHONE:** 949-837-3580

**MAIL ADDRESS:**
- **STREET 1:** 23197 LA CADENA DRIVE
- **STREET 2:** SUITE 103
- **CITY:** LAGUNA HILLS
- **STATE:** CA
- **ZIP:** 92653

### 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:** Towneley Capital Management Inc / DE<br>**Address:** 23197 La Cadena Drive<br>Suite 103<br>Laguna Hills, CA 92653

**Form 13F File Number:** 028-23507

**CRD Number (if applicable):** 000169863

**SEC File Number (if applicable):** 801-78957

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:** Robyn L. Clarke<br>**Title:** Director of Fiduciary Services<br>**Phone:** 949-837-3580

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

/s/ Robyn L. Clarke  Laguna Hills, CA  10-17-2025<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:** 38

**Form 13F Information Table Value Total:** $460393919

      (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 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 |  | 8063327 | 48736 | SH |  | SOLE |  | 0 | 0 | 48736 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 9335311 | 93794 | SH |  | SOLE |  | 0 | 0 | 93794 |
| APPLE INC | COM | 037833100 |  | 208797 | 820 | SH |  | SOLE |  | 0 | 0 | 820 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 484139 | 963 | SH |  | SOLE |  | 0 | 0 | 963 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1212504 | 7808 | SH |  | SOLE |  | 0 | 0 | 7808 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 8748254 | 277458 | SH |  | SOLE |  | 0 | 0 | 277458 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 447573 | 10015 | SH |  | SOLE |  | 0 | 0 | 10015 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 308100 | 4500 | SH |  | SOLE |  | 0 | 0 | 4500 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 365293 | 8601 | SH |  | SOLE |  | 0 | 0 | 8601 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 303857 | 5220 | SH |  | SOLE |  | 0 | 0 | 5220 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 718880 | 9924 | SH |  | SOLE |  | 0 | 0 | 9924 |
| ETFS GOLD TR | PHYSCL GOLD SHS | 00326A104 |  | 22355128 | 607311 | SH |  | SOLE |  | 0 | 0 | 607311 |
| GLOBAL SELF STORAGE INC | COM | 37955N106 |  | 236538 | 47026 | SH |  | SOLE |  | 0 | 0 | 47026 |
| HARBOR ETF TRUST | LONG TERM GROWER | 41151J406 |  | 35220802 | 1130321 | SH |  | SOLE |  | 0 | 0 | 1130321 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 7931083 | 108988 | SH |  | SOLE |  | 0 | 0 | 108988 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 207117 | 2066 | SH |  | SOLE |  | 0 | 0 | 2066 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1025050 | 1532 | SH |  | SOLE |  | 0 | 0 | 1532 |
| JANUS DETROIT STR TR | HENDERSON MTG | 47103U852 |  | 26918076 | 589404 | SH |  | SOLE |  | 0 | 0 | 589404 |
| LOWES COS INC | COM | 548661107 |  | 201048 | 800 | SH |  | SOLE |  | 0 | 0 | 800 |
| PUTNAM ETF TRUST | FOCUSED LAR CAP | 746729300 |  | 18203120 | 426103 | SH |  | SOLE |  | 0 | 0 | 426103 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 12918071 | 529429 | SH |  | SOLE |  | 0 | 0 | 529429 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 3572829 | 10051 | SH |  | SOLE |  | 0 | 0 | 10051 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 497265 | 14240 | SH |  | SOLE |  | 0 | 0 | 14240 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 |  | 222446 | 7510 | SH |  | SOLE |  | 0 | 0 | 7510 |
| VANECK ETF TRUST | FALLEN ANGEL HG | 92189F437 |  | 3882031 | 130576 | SH |  | SOLE |  | 0 | 0 | 130576 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 497165 | 6685 | SH |  | SOLE |  | 0 | 0 | 6685 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 578827 | 1207 | SH |  | SOLE |  | 0 | 0 | 1207 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 225024 | 766 | SH |  | SOLE |  | 0 | 0 | 766 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 149903129 | 456785 | SH |  | SOLE |  | 0 | 0 | 456785 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 337056 | 1807 | SH |  | SOLE |  | 0 | 0 | 1807 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 264836 | 3711 | SH |  | SOLE |  | 0 | 0 | 3711 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 260315 | 5142 | SH |  | SOLE |  | 0 | 0 | 5142 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 16585553 | 331247 | SH |  | SOLE |  | 0 | 0 | 331247 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 25812582 | 322940 | SH |  | SOLE |  | 0 | 0 | 322940 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 1226409 | 20840 | SH |  | SOLE |  | 0 | 0 | 20840 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 33874472 | 564292 | SH |  | SOLE |  | 0 | 0 | 564292 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 7580737 | 133323 | SH |  | SOLE |  | 0 | 0 | 133323 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 59661175 | 812159 | SH |  | SOLE |  | 0 | 0 | 812159 |

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