# EDGAR Filing Document

**Accession Number:** 0002078684
**File Stem:** 0002078684-25-000001
**Filing Date:** 2025-7
**Character Count:** 14375
**Document Hash:** a4cd37fcc9e5f8262c381c7f56cd98d6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002078684-25-000001.hdr.sgml**: 20250729

**ACCESSION NUMBER**: 0002078684-25-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250729

**DATE AS OF CHANGE**: 20250729

**EFFECTIVENESS DATE**: 20250729

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Gladwyn Financial Advisors, Inc.
- **CENTRAL INDEX KEY:** 0002078684

**ORGANIZATION NAME:**
- **EIN:** 541652082
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25671
- **FILM NUMBER:** 251160425

**BUSINESS ADDRESS:**
- **STREET 1:** 13603 GLADWYN COURT
- **CITY:** CHANTILLY
- **STATE:** VA
- **ZIP:** 20151
- **BUSINESS PHONE:** 7038108424

**MAIL ADDRESS:**
- **STREET 1:** 13603 GLADWYN COURT
- **CITY:** CHANTILLY
- **STATE:** VA
- **ZIP:** 20151

### 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:** Gladwyn Financial Advisors Inc.<br>**Address:** 13603 GLADWYN COURT<br>CHANTILLY, VA 20151

**Form 13F File Number:** 028-25671

**CRD Number (if applicable):** 000135544

**SEC File Number (if applicable):** 801-131574

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:** Timothy T. Murray<br>**Title:** President<br>**Phone:** 703-810-8424

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

Timothy T. Murray  Chantilly, VA  07-29-2025<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:** 108

**Form 13F Information Table Value Total:** $129255052

      (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 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 217305 | 3233 | SH |  | OTR |  | 0 | 0 | 3233 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 348574 | 4429 | SH |  | OTR |  | 0 | 0 | 4429 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 160969 | 3251 | SH |  | OTR |  | 0 | 0 | 3251 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 3938929 | 47503 | SH |  | SOLE |  | 0 | 0 | 47503 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 12981 | 300 | SH |  | OTR |  | 0 | 0 | 300 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 25334 | 230 | SH |  | SOLE |  | 0 | 0 | 230 |
| ISHARES TR | MORNINGSTAR VALU | 464288109 |  | 3757 | 45 | SH |  | SOLE |  | 0 | 0 | 45 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 627001 | 9032 | SH |  | OTR |  | 0 | 0 | 9032 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 22107 | 391 | SH |  | SOLE |  | 0 | 0 | 391 |
| GE AEROSPACE | COM NEW | 369604301 |  | 360575 | 1401 | SH |  | OTR |  | 0 | 0 | 1401 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 256542 | 585 | SH |  | OTR |  | 0 | 0 | 585 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 82538 | 194 | SH |  | SOLE |  | 0 | 0 | 194 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 35255 | 731 | SH |  | SOLE |  | 0 | 0 | 731 |
| CHEMOURS CO | COM | 163851108 |  | 493 | 43 | SH |  | OTR |  | 0 | 0 | 43 |
| CORTEVA INC | COM | 22052L104 |  | 24741 | 332 | SH |  | OTR |  | 0 | 0 | 332 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 55539 | 515 | SH |  | SOLE |  | 0 | 0 | 515 |
| WALMART INC | COM | 931142103 |  | 178286 | 1823 | SH |  | OTR |  | 0 | 0 | 1823 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5829572 | 117864 | SH |  | SOLE |  | 0 | 0 | 117864 |
| UNION PAC CORP | COM | 907818108 |  | 70720 | 307 | SH |  | OTR |  | 0 | 0 | 307 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 511720 | 8397 | SH |  | OTR |  | 0 | 0 | 8397 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 95724 | 315 | SH |  | SOLE |  | 0 | 0 | 315 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 534021 | 1842 | SH |  | OTR |  | 0 | 0 | 1842 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 550858 | 7579 | SH |  | OTR |  | 0 | 0 | 7579 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2009775 | 40593 | SH |  | SOLE |  | 0 | 0 | 40593 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 247627 | 1401 | SH |  | OTR |  | 0 | 0 | 1401 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 1003765 | 3624 | SH |  | OTR |  | 0 | 0 | 3624 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 2546805 | 31578 | SH |  | SOLE |  | 0 | 0 | 31578 |
| CARNIVAL CORP | UNIT 99/99/9999 | 143658300 |  | 2812 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| DUPONT DE NEMOURS INC | COM | 26614N102 |  | 80914 | 1180 | SH |  | OTR |  | 0 | 0 | 1180 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 3763317 | 31601 | SH |  | SOLE |  | 0 | 0 | 31601 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 2026656 | 18490 | SH |  | SOLE |  | 0 | 0 | 18490 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 463476 | 7721 | SH |  | OTR |  | 0 | 0 | 7721 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 13350 | 104 | SH |  | SOLE |  | 0 | 0 | 104 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 13611 | 452 | SH |  | SOLE |  | 0 | 0 | 452 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 71138 | 466 | SH |  | OTR |  | 0 | 0 | 466 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 13872 | 128 | SH |  | OTR |  | 0 | 0 | 128 |
| ISHARES INC | JP MRG EM CRP BD | 464286251 |  | 2556487 | 56261 | SH |  | SOLE |  | 0 | 0 | 56261 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 136183 | 575 | SH |  | SOLE |  | 0 | 0 | 575 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 2028773 | 21904 | SH |  | SOLE |  | 0 | 0 | 21904 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 162756 | 1757 | SH |  | OTR |  | 0 | 0 | 1757 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1068644 | 10773 | SH |  | SOLE |  | 0 | 0 | 10773 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 333688 | 2543 | SH |  | OTR |  | 0 | 0 | 2543 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 136537 | 3155 | SH |  | SOLE |  | 0 | 0 | 3155 |
| LINCOLN NATL CORP IND | COM | 534187109 |  | 7530 | 218 | SH |  | OTR |  | 0 | 0 | 218 |
| CACI INTL INC | CL A | 127190304 |  | 619710 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 191062 | 2924 | SH |  | OTR |  | 0 | 0 | 2924 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 351651 | 2953 | SH |  | OTR |  | 0 | 0 | 2953 |
| AMAZON COM INC | COM | 023135106 |  | 313795 | 1430 | SH |  | SOLE |  | 0 | 0 | 1430 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 2357 | 37 | SH |  | SOLE |  | 0 | 0 | 37 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 2016297 | 30854 | SH |  | SOLE |  | 0 | 0 | 30854 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 63898 | 332 | SH |  | SOLE |  | 0 | 0 | 332 |
| GE VERNOVA INC | COM | 36828A101 |  | 216709 | 410 | SH |  | OTR |  | 0 | 0 | 410 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 1366 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| PPG INDS INC | COM | 693506107 |  | 30602 | 269 | SH |  | OTR |  | 0 | 0 | 269 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 242300 | 428 | SH |  | SOLE |  | 0 | 0 | 428 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 4085758 | 187334 | SH |  | SOLE |  | 0 | 0 | 187334 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 183752 | 1676 | SH |  | OTR |  | 0 | 0 | 1676 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3459 | 22 | SH |  | SOLE |  | 0 | 0 | 22 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 3999606 | 50310 | SH |  | SOLE |  | 0 | 0 | 50310 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 340075 | 6060 | SH |  | OTR |  | 0 | 0 | 6060 |
| COCA COLA CO | COM | 191216100 |  | 537782 | 7601 | SH |  | OTR |  | 0 | 0 | 7601 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 1598180 | 5480 | SH |  | OTR |  | 0 | 0 | 5480 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 41830 | 504 | SH |  | OTR |  | 0 | 0 | 504 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 348786 | 4387 | SH |  | OTR |  | 0 | 0 | 4387 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 6672524 | 50858 | SH |  | SOLE |  | 0 | 0 | 50858 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 213802 | 4323 | SH |  | OTR |  | 0 | 0 | 4323 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 57823 | 253 | SH |  | OTR |  | 0 | 0 | 253 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 963412 | 2198 | SH |  | SOLE |  | 0 | 0 | 2198 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 515223 | 39511 | SH |  | OTR |  | 0 | 0 | 39511 |
| DOW INC | COM | 260557103 |  | 32967 | 1245 | SH |  | OTR |  | 0 | 0 | 1245 |
| GE HEALTHCARE TECHNOLOGIES I | COMMON STOCK | 36266G107 |  | 34416 | 465 | SH |  | OTR |  | 0 | 0 | 465 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 962979 | 5449 | SH |  | SOLE |  | 0 | 0 | 5449 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 396041 | 1393 | SH |  | OTR |  | 0 | 0 | 1393 |
| VANGUARD WORLD FD | EXTENDED DUR | 921910709 |  | 78681 | 1169 | SH |  | SOLE |  | 0 | 0 | 1169 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 173545 | 1666 | SH |  | OTR |  | 0 | 0 | 1666 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 35790 | 326 | SH |  | SOLE |  | 0 | 0 | 326 |
| INGERSOLL RAND INC | COM | 45687V106 |  | 41610 | 500 | SH |  | OTR |  | 0 | 0 | 500 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 142173 | 1319 | SH |  | OTR |  | 0 | 0 | 1319 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 9263827 | 32574 | SH |  | SOLE |  | 0 | 0 | 32574 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 8762991 | 31642 | SH |  | SOLE |  | 0 | 0 | 31642 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 52820 | 526 | SH |  | OTR |  | 0 | 0 | 526 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 221958 | 507 | SH |  | OTR |  | 0 | 0 | 507 |
| 3M CO | COM | 88579Y101 |  | 113419 | 745 | SH |  | OTR |  | 0 | 0 | 745 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 4616502 | 68678 | SH |  | SOLE |  | 0 | 0 | 68678 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 84025 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 341254 | 4231 | SH |  | OTR |  | 0 | 0 | 4231 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 8698680 | 44606 | SH |  | SOLE |  | 0 | 0 | 44606 |
| SOLVENTUM CORP | COM SHS | 83444M101 |  | 14106 | 186 | SH |  | OTR |  | 0 | 0 | 186 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 338714 | 2126 | SH |  | OTR |  | 0 | 0 | 2126 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 372880 | 1018 | SH |  | OTR |  | 0 | 0 | 1018 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 929415 | 4766 | SH |  | OTR |  | 0 | 0 | 4766 |
| ALLSTATE CORP | COM | 020002101 |  | 145547 | 723 | SH |  | OTR |  | 0 | 0 | 723 |
| PFIZER INC | COM | 717081103 |  | 12411 | 512 | SH |  | OTR |  | 0 | 0 | 512 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 592135 | 3600 | SH |  | OTR |  | 0 | 0 | 3600 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 245668 | 11264 | SH |  | OTR |  | 0 | 0 | 11264 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 5449 | 72 | SH |  | SOLE |  | 0 | 0 | 72 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 6210431 | 46212 | SH |  | SOLE |  | 0 | 0 | 46212 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 3886542 | 69254 | SH |  | SOLE |  | 0 | 0 | 69254 |
| NORWEGIAN CRUISE LINE HLDG L | SHS | G66721104 |  | 2028 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2945903 | 4768 | SH |  | SOLE |  | 0 | 0 | 4768 |
| ISHARES INC | JP MRG EM CRP BD | 464286251 |  | 334949 | 7371 | SH |  | OTR |  | 0 | 0 | 7371 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1313746 | 14697 | SH |  | SOLE |  | 0 | 0 | 14697 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 2215303 | 169885 | SH |  | SOLE |  | 0 | 0 | 169885 |
| ALLEGION PLC | ORD SHS | G0176J109 |  | 49856 | 346 | SH |  | OTR |  | 0 | 0 | 346 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 6630557 | 18108 | SH |  | SOLE |  | 0 | 0 | 18108 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 3934563 | 49994 | SH |  | SOLE |  | 0 | 0 | 49994 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 167082 | 1243 | SH |  | OTR |  | 0 | 0 | 1243 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 8611073 | 52360 | SH |  | SOLE |  | 0 | 0 | 52360 |

---