# EDGAR Filing Document

**Accession Number:** 0001875768
**File Stem:** 0002063364-26-000111
**Filing Date:** 2026-4
**Character Count:** 15347
**Document Hash:** 9870c95b4015f4767e6beb97acbe6454
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002063364-26-000111.hdr.sgml**: 20260420

**ACCESSION NUMBER**: 0002063364-26-000111

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260420

**DATE AS OF CHANGE**: 20260420

**EFFECTIVENESS DATE**: 20260420

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PENOBSCOT WEALTH MANAGEMENT
- **CENTRAL INDEX KEY:** 0001875768

**ORGANIZATION NAME:**
- **EIN:** 452691060
- **STATE OF INCORPORATION:** ME
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21311
- **FILM NUMBER:** 26874308

**BUSINESS ADDRESS:**
- **STREET 1:** ONE MONUMENT SQUARE
- **STREET 2:** SUITE 501
- **CITY:** PORTLAND
- **STATE:** ME
- **ZIP:** 04101
- **BUSINESS PHONE:** 207-990-1901

**MAIL ADDRESS:**
- **STREET 1:** ONE MONUMENT SQUARE
- **STREET 2:** SUITE 501
- **CITY:** PORTLAND
- **STATE:** ME
- **ZIP:** 04101

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** PENOBSCOT WEALTH MANAGEMENT<br>**Address:** ONE MONUMENT SQUARE<br>SUITE 501<br>PORTLAND, ME 04101

**Form 13F File Number:** 028-21311

**CRD Number (if applicable):** 000286211

**SEC File Number (if applicable):** 801-108988

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:** Jim Cullen<br>**Title:** Filing Agent<br>**Phone:** 401-466-6010

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

Jim Cullen  East Providence, RI  04-20-2026<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:** 112

**Form 13F Information Table Value Total:** $338387930

      (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 |
| EATON CORP PLC | SHS | G29183103 |  | 238425 | 667 | SH |  | SOLE | 0 | 0 | 0 | 666 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 279264 | 974 | SH |  | SOLE | 0 | 0 | 0 | 973 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 376464 | 1309 | SH |  | SOLE | 0 | 0 | 0 | 1309 |
| AMAZON COM INC | COM | 023135106 |  | 585864 | 2813 | SH |  | SOLE | 0 | 0 | 0 | 2813 |
| APPLE INC | COM | 037833100 |  | 3134811 | 11531 | SH |  | SOLE | 0 | 0 | 0 | 11530 |
| APPLE INC | COM | 037833100 |  | 2925262 | 11526 | SH |  | SOLE | 0 | 0 | 0 | 11526 |
| CATERPILLAR INC | COM | 149123101 |  | 482963 | 682 | SH |  | SOLE | 0 | 0 | 0 | 681 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 343574 | 345 | SH |  | SOLE | 0 | 0 | 0 | 344 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 5479992 | 161843 | SH |  | SOLE | 0 | 0 | 0 | 161842 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 462262 | 6519 | SH |  | SOLE | 0 | 0 | 0 | 6519 |
| DIMENSIONAL ETF TRUST | GLOBAL CORE PLUS | 25434V583 |  | 48840695 | 904625 | SH |  | SOLE | 0 | 0 | 0 | 904624 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 342159 | 8070 | SH |  | SOLE | 0 | 0 | 0 | 8069 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 8741152 | 246022 | SH |  | SOLE | 0 | 0 | 0 | 246021 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 251866 | 1485 | SH |  | SOLE | 0 | 0 | 0 | 1484 |
| META PLATFORMS INC | CL A | 30303M102 |  | 242710 | 424 | SH |  | SOLE | 0 | 0 | 0 | 424 |
| FIDELITY COVINGTON TRUST | ENHANCED SMALL | 31609A206 |  | 2072143 | 54530 | SH |  | SOLE | 0 | 0 | 0 | 54530 |
| FIDELITY COVINGTON TRUST | MSCI CONSM DIS | 316092204 |  | 3748492 | 40194 | SH |  | SOLE | 0 | 0 | 0 | 40193 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 1410666 | 41466 | SH |  | SOLE | 0 | 0 | 0 | 41465 |
| FIDELITY COVINGTON TRUST | MSCI INDL INDX | 316092709 |  | 3286994 | 37991 | SH |  | SOLE | 0 | 0 | 0 | 37991 |
| FIDELITY COVINGTON TRUST | MSCI RL EST ETF | 316092857 |  | 303501 | 11278 | SH |  | SOLE | 0 | 0 | 0 | 11278 |
| FIDELITY COVINGTON TRUST | MSCI MATLS INDEX | 316092881 |  | 953285 | 16539 | SH |  | SOLE | 0 | 0 | 0 | 16538 |
| FIRST SOLAR INC | COM | 336433107 |  | 258411 | 1310 | SH |  | SOLE | 0 | 0 | 0 | 1310 |
| GE AEROSPACE | COM NEW | 369604301 |  | 237515 | 837 | SH |  | SOLE | 0 | 0 | 0 | 837 |
| IDEXX LABS INC | COM | 45168D104 |  | 1232225 | 2193 | SH |  | SOLE | 0 | 0 | 0 | 2193 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 206144 | 850 | SH |  | SOLE | 0 | 0 | 0 | 850 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 |  | 694930 | 14868 | SH |  | SOLE | 0 | 0 | 0 | 14867 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 616031 | 3210 | SH |  | SOLE | 0 | 0 | 0 | 3209 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 1685535 | 16306 | SH |  | SOLE | 0 | 0 | 0 | 16305 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 215992 | 2450 | SH |  | SOLE | 0 | 0 | 0 | 2450 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1380586 | 9693 | SH |  | SOLE | 0 | 0 | 0 | 9693 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 1148114 | 11808 | SH |  | SOLE | 0 | 0 | 0 | 11808 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 283160 | 664 | SH |  | SOLE | 0 | 0 | 0 | 664 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 965208 | 2707 | SH |  | SOLE | 0 | 0 | 0 | 2707 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1045632 | 2800 | SH |  | SOLE | 0 | 0 | 0 | 2800 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1217041 | 4907 | SH |  | SOLE | 0 | 0 | 0 | 4907 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 898616 | 4953 | SH |  | SOLE | 0 | 0 | 0 | 4953 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 371780 | 2991 | SH |  | SOLE | 0 | 0 | 0 | 2990 |
| ISHARES TR | US CONSM STAPLES | 464287812 |  | 1651523 | 23583 | SH |  | SOLE | 0 | 0 | 0 | 23583 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 365754 | 2308 | SH |  | SOLE | 0 | 0 | 0 | 2308 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 515013 | 4348 | SH |  | SOLE | 0 | 0 | 0 | 4347 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 1723744 | 104914 | SH |  | SOLE | 0 | 0 | 0 | 104914 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 2300970 | 125805 | SH |  | SOLE | 0 | 0 | 0 | 125804 |
| ISHARES TR | GLB INFRASTR ETF | 464288372 |  | 2831138 | 42256 | SH |  | SOLE | 0 | 0 | 0 | 42255 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 9377286 | 90663 | SH |  | SOLE | 0 | 0 | 0 | 90663 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 3148155 | 36336 | SH |  | SOLE | 0 | 0 | 0 | 36336 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1133854 | 12525 | SH |  | SOLE | 0 | 0 | 0 | 12524 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 376384 | 5396 | SH |  | SOLE | 0 | 0 | 0 | 5396 |
| ISHARES INC | MSCI JAPAN ETF | 46434G822 |  | 2758661 | 32670 | SH |  | SOLE | 0 | 0 | 0 | 32670 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 420067 | 9238 | SH |  | SOLE | 0 | 0 | 0 | 9238 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 2342596 | 33337 | SH |  | SOLE | 0 | 0 | 0 | 33337 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 1150599 | 12033 | SH |  | SOLE | 0 | 0 | 0 | 12033 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 15298986 | 305735 | SH |  | SOLE | 0 | 0 | 0 | 305735 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 358442 | 6494 | SH |  | SOLE | 0 | 0 | 0 | 6493 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 405311 | 1378 | SH |  | SOLE | 0 | 0 | 0 | 1377 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE GROWTH | 46654Q609 |  | 9115012 | 107844 | SH |  | SOLE | 0 | 0 | 0 | 107844 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 249965 | 1023 | SH |  | SOLE | 0 | 0 | 0 | 1022 |
| MERCK  CO INC | COM | 58933Y105 |  | 650528 | 5408 | SH |  | SOLE | 0 | 0 | 0 | 5407 |
| MICROSOFT CORP | COM | 594918104 |  | 1037357 | 2802 | SH |  | SOLE | 0 | 0 | 0 | 2802 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1383001 | 7930 | SH |  | SOLE | 0 | 0 | 0 | 7930 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 423570 | 9309 | SH |  | SOLE | 0 | 0 | 0 | 9309 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 420475 | 6721 | SH |  | SOLE | 0 | 0 | 0 | 6721 |
| PEPSICO INC | COM | 713448108 |  | 263026 | 1694 | SH |  | SOLE | 0 | 0 | 0 | 1693 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 399557 | 2766 | SH |  | SOLE | 0 | 0 | 0 | 2766 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 544317 | 1265 | SH |  | SOLE | 0 | 0 | 0 | 1265 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X509 |  | 1057161 | 22536 | SH |  | SOLE | 0 | 0 | 0 | 22535 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 992809 | 21748 | SH |  | SOLE | 0 | 0 | 0 | 21748 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 1015581 | 22868 | SH |  | SOLE | 0 | 0 | 0 | 22868 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 4364745 | 77143 | SH |  | SOLE | 0 | 0 | 0 | 77142 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 1126411 | 14248 | SH |  | SOLE | 0 | 0 | 0 | 14247 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 60757790 | 793804 | SH |  | SOLE | 0 | 0 | 0 | 793804 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R648 |  | 1827300 | 31248 | SH |  | SOLE | 0 | 0 | 0 | 31247 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 716599 | 14830 | SH |  | SOLE | 0 | 0 | 0 | 14830 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 3372259 | 131523 | SH |  | SOLE | 0 | 0 | 0 | 131523 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 223506 | 7673 | SH |  | SOLE | 0 | 0 | 0 | 7672 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 250555 | 8215 | SH |  | SOLE | 0 | 0 | 0 | 8214 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 551893 | 3764 | SH |  | SOLE | 0 | 0 | 0 | 3764 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 311517 | 2858 | SH |  | SOLE | 0 | 0 | 0 | 2858 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 1204875 | 24405 | SH |  | SOLE | 0 | 0 | 0 | 24405 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 1424408 | 10718 | SH |  | SOLE | 0 | 0 | 0 | 10717 |
| SELECT SECTOR SPDR TR | STATE STREET COM | 81369Y852 |  | 635512 | 5733 | SH |  | SOLE | 0 | 0 | 0 | 5732 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 1089298 | 23737 | SH |  | SOLE | 0 | 0 | 0 | 23737 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 220697 | 449 | SH |  | SOLE | 0 | 0 | 0 | 449 |
| 3M CO | COM | 88579Y101 |  | 211278 | 1455 | SH |  | SOLE | 0 | 0 | 0 | 1454 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 337721 | 1248 | SH |  | SOLE | 0 | 0 | 0 | 1248 |
| VANECK ETF TRUST | SHRT HGH YLD MUN | 92189F387 |  | 244275 | 10780 | SH |  | SOLE | 0 | 0 | 0 | 10780 |
| VANECK ETF TRUST | URANIUM AND NUCL | 92189F601 |  | 1124656 | 8444 | SH |  | SOLE | 0 | 0 | 0 | 8444 |
| VANECK ETF TRUST | RARE EARTH AND S | 92189H805 |  | 1149368 | 13061 | SH |  | SOLE | 0 | 0 | 0 | 13061 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 296121 | 3840 | SH |  | SOLE | 0 | 0 | 0 | 3840 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 1133137 | 10093 | SH |  | SOLE | 0 | 0 | 0 | 10092 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 758253 | 10297 | SH |  | SOLE | 0 | 0 | 0 | 10296 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 39975201 | 623833 | SH |  | SOLE | 0 | 0 | 0 | 623832 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 216487 | 2447 | SH |  | SOLE | 0 | 0 | 0 | 2447 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 457526 | 9522 | SH |  | SOLE | 0 | 0 | 0 | 9521 |
| VANGUARD WORLD FD | CONSUM DIS ETF | 92204A108 |  | 234643 | 654 | SH |  | SOLE | 0 | 0 | 0 | 653 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 945296 | 4209 | SH |  | SOLE | 0 | 0 | 0 | 4208 |
| VANGUARD WORLD FD | FINANCIALS ETF | 92204A405 |  | 5710873 | 47272 | SH |  | SOLE | 0 | 0 | 0 | 47271 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 3614188 | 13271 | SH |  | SOLE | 0 | 0 | 0 | 13271 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 10485474 | 15028 | SH |  | SOLE | 0 | 0 | 0 | 15028 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 4020519 | 22356 | SH |  | SOLE | 0 | 0 | 0 | 22356 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 12543843 | 232078 | SH |  | SOLE | 0 | 0 | 0 | 232078 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 225387 | 2734 | SH |  | SOLE | 0 | 0 | 0 | 2734 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 274497 | 5502 | SH |  | SOLE | 0 | 0 | 0 | 5502 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 243673 | 4845 | SH |  | SOLE | 0 | 0 | 0 | 4845 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4866668 | 8144 | SH |  | SOLE | 0 | 0 | 0 | 8144 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1605394 | 18099 | SH |  | SOLE | 0 | 0 | 0 | 18099 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 368766 | 1697 | SH |  | SOLE | 0 | 0 | 0 | 1697 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 312686 | 1089 | SH |  | SOLE | 0 | 0 | 0 | 1088 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 429850 | 984 | SH |  | SOLE | 0 | 0 | 0 | 984 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 834241 | 4252 | SH |  | SOLE | 0 | 0 | 0 | 4251 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 611300 | 2334 | SH |  | SOLE | 0 | 0 | 0 | 2333 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 594958 | 1855 | SH |  | SOLE | 0 | 0 | 0 | 1854 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 5813980 | 62725 | SH |  | SOLE | 0 | 0 | 0 | 62725 |

---