# EDGAR Filing Document

**Accession Number:** 0002010632
**File Stem:** 0001951757-26-000007
**Filing Date:** 2026-1
**Character Count:** 14986
**Document Hash:** 7bafedaab544de2ac07f77c89c22225c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000007.hdr.sgml**: 20260106

**ACCESSION NUMBER**: 0001951757-26-000007

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260106

**DATE AS OF CHANGE**: 20260106

**EFFECTIVENESS DATE**: 20260106

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EHRLICH FINANCIAL GROUP
- **CENTRAL INDEX KEY:** 0002010632

**ORGANIZATION NAME:**
- **EIN:** 931424495
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23747
- **FILM NUMBER:** 26510979

**BUSINESS ADDRESS:**
- **STREET 1:** 28202 CABOT ROAD
- **STREET 2:** SUITE 425
- **CITY:** LAGUNA NIGUEL
- **STATE:** CA
- **ZIP:** 92677
- **BUSINESS PHONE:** 949-342-8852

**MAIL ADDRESS:**
- **STREET 1:** 28202 CABOT ROAD
- **STREET 2:** SUITE 425
- **CITY:** LAGUNA NIGUEL
- **STATE:** CA
- **ZIP:** 92677

### 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:** EHRLICH FINANCIAL GROUP<br>**Address:** 28202 CABOT ROAD<br>SUITE 425<br>LAGUNA NIGUEL, CA 92677

**Form 13F File Number:** 028-23747

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:** Lora Rommel<br>**Title:** Chief Compliance Officer<br>**Phone:** 949-342-8852

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

Lora Rommel  Laguna Niguel, CA  01-06-2026<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:** 110

**Form 13F Information Table Value Total:** $175717981

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 493724 | 2139 | SH |  | SOLE |  | 0 | 0 | 2139 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1564320 | 2546 | SH |  | SOLE |  | 0 | 0 | 2546 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 5527458 | 38393 | SH |  | SOLE |  | 0 | 0 | 38393 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A649 |  | 218875 | 8500 | SH |  | SOLE |  | 0 | 0 | 8500 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 4501688 | 55460 | SH |  | SOLE |  | 0 | 0 | 55460 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A672 |  | 1469052 | 50938 | SH |  | SOLE |  | 0 | 0 | 50938 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 215537 | 1041 | SH |  | SOLE |  | 0 | 0 | 1041 |
| WILLIAMS SONOMA INC | COM | 969904101 |  | 249312 | 1396 | SH |  | SOLE |  | 0 | 0 | 1396 |
| ISHARES TR | LATN AMER 40 ETF | 464287390 |  | 953297 | 31307 | SH |  | SOLE |  | 0 | 0 | 31307 |
| ISHARES TR | SYSTEMATIC BD ET | 46435U796 |  | 717003 | 7988 | SH |  | SOLE |  | 0 | 0 | 7988 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 493328 | 7658 | SH |  | SOLE |  | 0 | 0 | 7658 |
| NUVEEN CALIFORNIA AMT QLT MU | COM | 670651108 |  | 285605 | 22959 | SH |  | SOLE |  | 0 | 0 | 22959 |
| ISHARES TR | GLOB HLTHCRE ETF | 464287325 |  | 565389 | 5805 | SH |  | SOLE |  | 0 | 0 | 5805 |
| EDWARDS LIFESCIENCES CORP | COM | 28176E108 |  | 707191 | 8296 | SH |  | SOLE |  | 0 | 0 | 8296 |
| ISHARES TR | S 100 ETF | 464287101 |  | 7735866 | 22556 | SH |  | SOLE |  | 0 | 0 | 22556 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 205315 | 5041 | SH |  | SOLE |  | 0 | 0 | 5041 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 3959198 | 68904 | SH |  | SOLE |  | 0 | 0 | 68904 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A383 |  | 2861399 | 127656 | SH |  | SOLE |  | 0 | 0 | 127656 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 752596 | 31306 | SH |  | SOLE |  | 0 | 0 | 31306 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 252149 | 3246 | SH |  | SOLE |  | 0 | 0 | 3246 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 533435 | 16353 | SH |  | SOLE |  | 0 | 0 | 16353 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 444845 | 885 | SH |  | SOLE |  | 0 | 0 | 885 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 343048 | 1096 | SH |  | SOLE |  | 0 | 0 | 1096 |
| ISHARES U S ETF TR | U.S. TECH INDEPD | 46431W648 |  | 486522 | 4789 | SH |  | SOLE |  | 0 | 0 | 4789 |
| MICROSOFT CORP | COM | 594918104 |  | 591498 | 1223 | SH |  | SOLE |  | 0 | 0 | 1223 |
| GRANITESHARES GOLD TR | SHS BEN INT | 38748G101 |  | 576207 | 13561 | SH |  | SOLE |  | 0 | 0 | 13561 |
| SELECT SECTOR SPDR TR | STATE STREET COM | 81369Y852 |  | 437094 | 3713 | SH |  | SOLE |  | 0 | 0 | 3713 |
| ISHARES TR | FUTURE AI  TECH | 46435U556 |  | 514032 | 10669 | SH |  | SOLE |  | 0 | 0 | 10669 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 203319 | 4100 | SH |  | SOLE |  | 0 | 0 | 4100 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1368119 | 4714 | SH |  | SOLE |  | 0 | 0 | 4714 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 3338825 | 52846 | SH |  | SOLE |  | 0 | 0 | 52846 |
| JANUS DETROIT STR TR | HENDERSON MTG | 47103U852 |  | 2359495 | 51641 | SH |  | SOLE |  | 0 | 0 | 51641 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1060010 | 14585 | SH |  | SOLE |  | 0 | 0 | 14585 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 |  | 289718 | 11221 | SH |  | SOLE |  | 0 | 0 | 11221 |
| PIMCO ETF TR | SHTRM MUN BD ACT | 72201R874 |  | 1820357 | 36097 | SH |  | SOLE |  | 0 | 0 | 36097 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 290070 | 463 | SH |  | SOLE |  | 0 | 0 | 463 |
| BLACKROCK ETF TRUST II | ISHARES SHORT-TE | 092528884 |  | 348527 | 6907 | SH |  | SOLE |  | 0 | 0 | 6907 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 9534840 | 156797 | SH |  | SOLE |  | 0 | 0 | 156797 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 885292 | 4621 | SH |  | SOLE |  | 0 | 0 | 4621 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 1019395 | 9956 | SH |  | SOLE |  | 0 | 0 | 9956 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 633956 | 5565 | SH |  | SOLE |  | 0 | 0 | 5565 |
| ELI LILLY  CO | COM | 532457108 |  | 256849 | 239 | SH |  | SOLE |  | 0 | 0 | 239 |
| PIMCO ETF TR | INV GRD CRP BD | 72201R817 |  | 221043 | 2259 | SH |  | SOLE |  | 0 | 0 | 2259 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 7358558 | 65831 | SH |  | SOLE |  | 0 | 0 | 65831 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 3211048 | 56098 | SH |  | SOLE |  | 0 | 0 | 56098 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 246427 | 1164 | SH |  | SOLE |  | 0 | 0 | 1164 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 1565900 | 30959 | SH |  | SOLE |  | 0 | 0 | 30959 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 3759614 | 52648 | SH |  | SOLE |  | 0 | 0 | 52648 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1273402 | 46424 | SH |  | SOLE |  | 0 | 0 | 46424 |
| BLACKROCK ETF TRUST | ISHARES US CARBO | 09290C509 |  | 210196 | 2837 | SH |  | SOLE |  | 0 | 0 | 2837 |
| VISA INC | COM CL A | 92826C839 |  | 311410 | 888 | SH |  | SOLE |  | 0 | 0 | 888 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1834279 | 9604 | SH |  | SOLE |  | 0 | 0 | 9604 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 379578 | 8200 | SH |  | SOLE |  | 0 | 0 | 8200 |
| ISHARES TR | A RATE CP BD ETF | 46429B291 |  | 270891 | 5633 | SH |  | SOLE |  | 0 | 0 | 5633 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 723690 | 12452 | SH |  | SOLE |  | 0 | 0 | 12452 |
| BROADCOM INC | COM | 11135F101 |  | 542267 | 1567 | SH |  | SOLE |  | 0 | 0 | 1567 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 314151 | 6352 | SH |  | SOLE |  | 0 | 0 | 6352 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 4012371 | 104055 | SH |  | SOLE |  | 0 | 0 | 104055 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 610794 | 3275 | SH |  | SOLE |  | 0 | 0 | 3275 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 1663910 | 15106 | SH |  | SOLE |  | 0 | 0 | 15106 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 739744 | 11005 | SH |  | SOLE |  | 0 | 0 | 11005 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 3712939 | 70361 | SH |  | SOLE |  | 0 | 0 | 70361 |
| BONDBLOXX ETF TRUST | BLOOMBERG TEN YR | 09789C812 |  | 2895096 | 62637 | SH |  | SOLE |  | 0 | 0 | 62637 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 2448370 | 91768 | SH |  | SOLE |  | 0 | 0 | 91768 |
| BLACKROCK ETF TRUST | ISHARES US LARG | 09290C863 |  | 231517 | 7308 | SH |  | SOLE |  | 0 | 0 | 7308 |
| J P MORGAN EXCHANGE TRADED F | HEDGED EQUITY LA | 46654Q724 |  | 585593 | 8815 | SH |  | SOLE |  | 0 | 0 | 8815 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2629961 | 54428 | SH |  | SOLE |  | 0 | 0 | 54428 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 3140047 | 48465 | SH |  | SOLE |  | 0 | 0 | 48465 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 818280 | 12135 | SH |  | SOLE |  | 0 | 0 | 12135 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 |  | 283023 | 8982 | SH |  | SOLE |  | 0 | 0 | 8982 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R101 |  | 1212809 | 41421 | SH |  | SOLE |  | 0 | 0 | 41421 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1168446 | 5883 | SH |  | SOLE |  | 0 | 0 | 5883 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 3330521 | 13306 | SH |  | SOLE |  | 0 | 0 | 13306 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 1367555 | 4541 | SH |  | SOLE |  | 0 | 0 | 4541 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 457525 | 10120 | SH |  | SOLE |  | 0 | 0 | 10120 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 592710 | 5608 | SH |  | SOLE |  | 0 | 0 | 5608 |
| PGIM ROCK ETF TR | LADDERED S 500 | 69420N692 |  | 205154 | 7021 | SH |  | SOLE |  | 0 | 0 | 7021 |
| AMERICAN CENTY ETF TR | CALIF MUN BD ETF | 025072117 |  | 667939 | 13356 | SH |  | SOLE |  | 0 | 0 | 13356 |
| FIDELITY COVINGTON TRUST | MSCI CONSM DIS | 316092204 |  | 217545 | 2129 | SH |  | SOLE |  | 0 | 0 | 2129 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 1335327 | 5944 | SH |  | SOLE |  | 0 | 0 | 5944 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 11029713 | 52010 | SH |  | SOLE |  | 0 | 0 | 52010 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 12926333 | 104870 | SH |  | SOLE |  | 0 | 0 | 104870 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1962794 | 2866 | SH |  | SOLE |  | 0 | 0 | 2866 |
| BLACKROCK ETF TRUST | ISHARES INTL DIV | 09290C848 |  | 2325889 | 80704 | SH |  | SOLE |  | 0 | 0 | 80704 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 600562 | 19398 | SH |  | SOLE |  | 0 | 0 | 19398 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 2280936 | 22435 | SH |  | SOLE |  | 0 | 0 | 22435 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 999582 | 3102 | SH |  | SOLE |  | 0 | 0 | 3102 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528843 |  | 1101865 | 22635 | SH |  | SOLE |  | 0 | 0 | 22635 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 6851454 | 146367 | SH |  | SOLE |  | 0 | 0 | 146367 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 728348 | 6800 | SH |  | SOLE |  | 0 | 0 | 6800 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 638996 | 4592 | SH |  | SOLE |  | 0 | 0 | 4592 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 209718 | 3901 | SH |  | SOLE |  | 0 | 0 | 3901 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 365545 | 2547 | SH |  | SOLE |  | 0 | 0 | 2547 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 848353 | 7699 | SH |  | SOLE |  | 0 | 0 | 7699 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 438466 | 1397 | SH |  | SOLE |  | 0 | 0 | 1397 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 421373 | 1139 | SH |  | SOLE |  | 0 | 0 | 1139 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 250243 | 1490 | SH |  | SOLE |  | 0 | 0 | 1490 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 3808086 | 17327 | SH |  | SOLE |  | 0 | 0 | 17327 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 368907 | 4233 | SH |  | SOLE |  | 0 | 0 | 4233 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 1248275 | 17981 | SH |  | SOLE |  | 0 | 0 | 17981 |
| INVESCO DB US DLR INDEX TR | BULLISH FD | 46141D203 |  | 608472 | 22511 | SH |  | SOLE |  | 0 | 0 | 22511 |
| INVESCO EXCH TRADED FD TR II | NATL AMT MUNI | 46138E537 |  | 393256 | 16958 | SH |  | SOLE |  | 0 | 0 | 16958 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 200466 | 4307 | SH |  | SOLE |  | 0 | 0 | 4307 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R622 |  | 1016098 | 10453 | SH |  | SOLE |  | 0 | 0 | 10453 |
| DEERE  CO | COM | 244199105 |  | 294706 | 633 | SH |  | SOLE |  | 0 | 0 | 633 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 33734H106 |  | 425411 | 9232 | SH |  | SOLE |  | 0 | 0 | 9232 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 2621253 | 57673 | SH |  | SOLE |  | 0 | 0 | 57673 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 302788 | 7093 | SH |  | SOLE |  | 0 | 0 | 7093 |
| GLAUKOS CORP | COM | 377322102 |  | 1130681 | 10014 | SH |  | SOLE |  | 0 | 0 | 10014 |
| APPLE INC | COM | 037833100 |  | 1706027 | 6275 | SH |  | SOLE |  | 0 | 0 | 6275 |

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