# EDGAR Filing Document

**Accession Number:** 0001994332
**File Stem:** 0001085146-25-006011
**Filing Date:** 2025-11
**Character Count:** 12303
**Document Hash:** fe7a19e32e95f92927e363d5c76dcca6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-25-006011.hdr.sgml**: 20251125

**ACCESSION NUMBER**: 0001085146-25-006011

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20251125

**DATE AS OF CHANGE**: 20251125

**EFFECTIVENESS DATE**: 20251125

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Payne Capital Management, LLC
- **CENTRAL INDEX KEY:** 0001994332

**ORGANIZATION NAME:**
- **EIN:** 262994343
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25891
- **FILM NUMBER:** 251516964

**BUSINESS ADDRESS:**
- **STREET 1:** 231 WEST 29TH STREET
- **STREET 2:** SUITE 1002
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10001
- **BUSINESS PHONE:** 646-461-7670

**MAIL ADDRESS:**
- **STREET 1:** 231 WEST 29TH STREET
- **STREET 2:** SUITE 1002
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10001

### 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:** Payne Capital Management LLC<br>**Address:** 231 WEST 29TH STREET<br>SUITE 1002<br>New York, NY 10001

**Form 13F File Number:** 028-25891

**CRD Number (if applicable):** 000147119

**SEC File Number (if applicable):** 801-69261

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:** Ryan Payne<br>**Title:** CEO and Principal<br>**Phone:** 646-461-7670

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

/s/Ryan Payne  New York, NY  11-25-2025<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:** 77

**Form 13F Information Table Value Total:** $259488519

      (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 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 201495 | 1086 | SH |  | SOLE |  | 1086 | 0 | 0 |
| ABRDN ETFS | BBRG ALL COMD K1 | 003261104 | BBG00G9CFDS3 | 13698988 | 659556 | SH |  | SOLE |  | 659556 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 338561 | 1921 | SH |  | SOLE |  | 1921 | 0 | 0 |
| ALPS ETF TR | ALERIAN MLP | 00162Q452 | BBG001TBMNT5 | 2746524 | 56212 | SH |  | SOLE |  | 56212 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 762637 | 3476 | SH |  | SOLE |  | 3476 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 2132233 | 10393 | SH |  | SOLE |  | 10393 | 0 | 0 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 219056 | 7569 | SH |  | SOLE |  | 7569 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 351351 | 7425 | SH |  | SOLE |  | 7425 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 956944 | 1970 | SH |  | SOLE |  | 1970 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 436306 | 1583 | SH |  | SOLE |  | 1583 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 303644 | 2121 | SH |  | SOLE |  | 2121 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 253237 | 3650 | SH |  | SOLE |  | 3650 | 0 | 0 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 215434 | 3045 | SH |  | SOLE |  | 3045 | 0 | 0 |
| CONSOLIDATED EDISON INC | COM | 209115104 | BBG001S5QRL4 | 207323 | 2066 | SH |  | SOLE |  | 2066 | 0 | 0 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 | BBG014KFRPJ9 | 265309 | 822 | SH |  | SOLE |  | 822 | 0 | 0 |
| DIREXION SHS ETF TR | DLY EMG MK BL 3X | 25490K281 | BBG001T36VZ6 | 257105 | 6569 | SH |  | SOLE |  | 6569 | 0 | 0 |
| ESSEX PPTY TR INC | COM | 297178105 | BBG001S81418 | 210283 | 742 | SH |  | SOLE |  | 742 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 1557116 | 14444 | SH |  | SOLE |  | 14444 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI RL EST ETF | 316092857 | BBG008229899 | 6798114 | 251410 | SH |  | SOLE |  | 251410 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 337344105 | BBG001SNH6H6 | 232033 | 1700 | SH |  | SOLE |  | 1700 | 0 | 0 |
| GLOBAL X FDS | GLB X MLP ENRG I | 37954Y293 | BBG004Y67XK8 | 21950564 | 350312 | SH |  | SOLE |  | 350312 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 281685 | 398 | SH |  | SOLE |  | 398 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 503397 | 1373 | SH |  | SOLE |  | 1373 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 1173500 | 2127 | SH |  | SOLE |  | 2127 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 342907 | 4108 | SH |  | SOLE |  | 4108 | 0 | 0 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 | BBG006S5D3J3 | 1159799 | 46955 | SH |  | SOLE |  | 46955 | 0 | 0 |
| ISHARES TR | INTL DEV RE ETF | 464288489 | BBG001T0KY80 | 1480290 | 65154 | SH |  | SOLE |  | 65154 | 0 | 0 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 | BBG007WGM3H4 | 241513 | 5588 | SH |  | SOLE |  | 5588 | 0 | 0 |
| ISHARES TR | S 100 ETF | 464287101 | BBG001SGB026 | 273915 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 377551 | 1932 | SH |  | SOLE |  | 1932 | 0 | 0 |
| ISHARES TR | U.S. FINLS ETF | 464287788 | BBG001SFC802 | 241980 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 217521 | 1424 | SH |  | SOLE |  | 1424 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 795757 | 2745 | SH |  | SOLE |  | 2745 | 0 | 0 |
| MCKESSON CORP | COM | 58155Q103 | BBG001S8F8P8 | 496092 | 677 | SH |  | SOLE |  | 677 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 324932 | 4105 | SH |  | SOLE |  | 4105 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 612460 | 830 | SH |  | SOLE |  | 830 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 2009751 | 4040 | SH |  | SOLE |  | 4040 | 0 | 0 |
| MORGAN STANLEY | COM NEW | 617446448 | BBG001S9V5Z3 | 593021 | 4210 | SH |  | SOLE |  | 4210 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 378974 | 283 | SH |  | SOLE |  | 283 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 2818513 | 17840 | SH |  | SOLE |  | 17840 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 400530 | 1832 | SH |  | SOLE |  | 1832 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 505957 | 2778 | SH |  | SOLE |  | 2778 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 5907983 | 196018 | SH |  | SOLE |  | 196018 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 30447326 | 1377707 | SH |  | SOLE |  | 1377707 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 268494 | 6304 | SH |  | SOLE |  | 6304 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 265292 | 10011 | SH |  | SOLE |  | 10011 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 15261829 | 522486 | SH |  | SOLE |  | 522486 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 12881903 | 465555 | SH |  | SOLE |  | 465555 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 | BBG001S7TCZ5 | 264372 | 1044 | SH |  | SOLE |  | 1044 | 0 | 0 |
| SERVICENOW INC | COM | 81762P102 | BBG001T4JFC0 | 902654 | 878 | SH |  | SOLE |  | 878 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 1619282 | 2621 | SH |  | SOLE |  | 2621 | 0 | 0 |
| SPDR SERIES TRUST | S 400 MDCP GRW | 78464A821 | BBG001SPTBN0 | 1052205 | 12112 | SH |  | SOLE |  | 12112 | 0 | 0 |
| SPDR SERIES TRUST | S 400 MDCP VAL | 78464A839 | BBG001SPTBM1 | 1573048 | 19804 | SH |  | SOLE |  | 19804 | 0 | 0 |
| SPDR SERIES TRUST | S 600 SMCP GRW | 78464A201 | BBG001SG4275 | 956274 | 10775 | SH |  | SOLE |  | 10775 | 0 | 0 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 | BBG001SG3JV2 | 1401967 | 17577 | SH |  | SOLE |  | 17577 | 0 | 0 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 | BBG001SPTBP8 | 819948 | 6041 | SH |  | SOLE |  | 6041 | 0 | 0 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 536900 | 1690 | SH |  | SOLE |  | 1690 | 0 | 0 |
| TRAVELERS COMPANIES INC | COM | 89417E109 | BBG001S5R103 | 208146 | 778 | SH |  | SOLE |  | 778 | 0 | 0 |
| TRUIST FINL CORP | COM | 89832Q109 | BBG001S5YYC0 | 214950 | 5000 | SH |  | SOLE |  | 5000 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 | BBG001S5X2M0 | 501574 | 2180 | SH |  | SOLE |  | 2180 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 12706100 | 28983 | SH |  | SOLE |  | 28983 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 12026373 | 42288 | SH |  | SOLE |  | 42288 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 10333531 | 62833 | SH |  | SOLE |  | 62833 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 3295489 | 37003 | SH |  | SOLE |  | 37003 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 562687 | 991 | SH |  | SOLE |  | 991 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 10347700 | 53062 | SH |  | SOLE |  | 53062 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 10581257 | 38208 | SH |  | SOLE |  | 38208 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 611187 | 2011 | SH |  | SOLE |  | 2011 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 10591131 | 59925 | SH |  | SOLE |  | 59925 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 17045105 | 344624 | SH |  | SOLE |  | 344624 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 | BBG001T0SKD6 | 1226568 | 9127 | SH |  | SOLE |  | 9127 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 | BBG001TCVT65 | 8591356 | 186162 | SH |  | SOLE |  | 186162 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 15801128 | 277164 | SH |  | SOLE |  | 277164 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 319944 | 2400 | SH |  | SOLE |  | 2400 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 | BBG00C863MQ1 | 254679 | 2826 | SH |  | SOLE |  | 2826 | 0 | 0 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 | BBG001SHTTR5 | 561798 | 847 | SH |  | SOLE |  | 847 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 224037 | 631 | SH |  | SOLE |  | 631 | 0 | 0 |

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