# EDGAR Filing Document

**Accession Number:** 0001596920
**File Stem:** 0001596920-25-000008
**Filing Date:** 2025-10
**Character Count:** 10720
**Document Hash:** 23cb8169127afa1a77ee566887dcad7f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001596920-25-000008.hdr.sgml**: 20251028

**ACCESSION NUMBER**: 0001596920-25-000008

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251028

**DATE AS OF CHANGE**: 20251028

**EFFECTIVENESS DATE**: 20251028

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** D. SCOTT NEAL, INC.
- **CENTRAL INDEX KEY:** 0001596920

**ORGANIZATION NAME:**
- **EIN:** 611287393
- **STATE OF INCORPORATION:** KY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15681
- **FILM NUMBER:** 251422689

**BUSINESS ADDRESS:**
- **STREET 1:** P.O. BOX 2010
- **CITY:** LEXINGTON
- **STATE:** KY
- **ZIP:** 40588
- **BUSINESS PHONE:** 8592543036

**MAIL ADDRESS:**
- **STREET 1:** P.O. BOX 2010
- **CITY:** LEXINGTON
- **STATE:** KY
- **ZIP:** 40588

### 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:** D. SCOTT NEAL INC.<br>**Address:** P.O. BOX 2010<br>LEXINGTON, KY 40588

**Form 13F File Number:** 028-15681

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:** Jerry Zimmerer<br>**Title:** CPA CFP<br>**Phone:** 502-459-7199

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

/s/ Jerry Zimmerer  Louisville, KY  10-28-2025<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:** 66

**Form 13F Information Table Value Total:** $216189226

      (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 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 35330164 | 99390 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 99390 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 29929745 | 49852 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 49852 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 21356789 | 180424 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 180424 |
| UNUM GROUP | COM | 91529Y106 |  | 19425478 | 249749 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 249749 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 17058698 | 55074 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 55074 |
| FLEX LTD | ORD | Y2573F102 |  | 15216662 | 262492 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 262492 |
| KLA CORP | COM NEW | 482480100 |  | 11433190 | 10600 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 10600 |
| NATIONAL STORAGE AFFILIATES | COM SHS BEN IN | 637870106 |  | 7732603 | 255877 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 255877 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 4614710 | 63415 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 63415 |
| MICROSOFT CORP | COM | 594918104 |  | 4232522 | 8172 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 8172 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4137644 | 6211 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 6211 |
| CATERPILLAR INC | COM | 149123101 |  | 3602006 | 7549 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 7549 |
| PROSHARES TR | PSHS ULTRA QQQ | 74347R206 |  | 3420122 | 24928 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 24928 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 2926594 | 33558 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 33558 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2875171 | 5719 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 5719 |
| REKOR SYSTEMS INC | COM | 759419104 |  | 2670021 | 1700650 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1700650 |
| PROSHARES TR | PSHS ULT S 500 | 74347R107 |  | 2544006 | 22688 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 22688 |
| APPLE INC | COM | 037833100 |  | 1752399 | 6882 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 6882 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1701990 | 9122 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 9122 |
| REPUBLIC BANCORP INC KY | CL A | 760281204 |  | 1517250 | 21000 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 21000 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1425258 | 2129 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2129 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 1242170 | 31360 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 31360 |
| AT INC | COM | 00206R102 |  | 1017770 | 36040 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 36040 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 965395 | 1608 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1608 |
| HOME DEPOT INC | COM | 437076102 |  | 946524 | 2336 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2336 |
| VISA INC | COM CL A | 92826C839 |  | 870519 | 2550 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2550 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 811894 | 2284 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2284 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 775324 | 1363 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1363 |
| LOWES COS INC | COM | 548661107 |  | 653406 | 2600 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2600 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 606644 | 2150 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2150 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 605644 | 989 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 989 |
| UNUM GROUP | COM | 91529Y106 |  | 596884 | 7674 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 7674 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 574802 | 3100 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 3100 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 565336 | 4776 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 4776 |
| REGIONS FINANCIAL CORP NEW | COM | 7591EP100 |  | 565215 | 21434 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 21434 |
| TESLA INC | COM | 88160R101 |  | 557679 | 1254 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1254 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 555753 | 3617 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 3617 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 539682 | 2220 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2220 |
| AMAZON COM INC | COM | 023135106 |  | 513575 | 2339 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2339 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 492177 | 1589 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1589 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 487100 | 2000 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2000 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 469159 | 7102 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 7102 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 464904 | 780 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 780 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 450046 | 1860 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1860 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 420639 | 2889 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2889 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 343718 | 3560 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 3560 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 342173 | 7928 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 7928 |
| BROADCOM INC | COM | 11135F101 |  | 341291 | 1034 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1034 |
| ORACLE CORP | COM | 68389X105 |  | 337488 | 1200 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1200 |
| NIKE INC | CL B | 654106103 |  | 320758 | 4600 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 4600 |
| FLEX LTD | ORD | Y2573F102 |  | 309734 | 5343 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 5343 |
| KLA CORP | COM NEW | 482480100 |  | 308480 | 286 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 286 |
| ABBOTT LABS | COM | 002824100 |  | 308062 | 2300 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2300 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 305719 | 3288 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 3288 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 285709 | 2534 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2534 |
| HONEYWELL INTL INC | COM | 438516106 |  | 270493 | 1285 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1285 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 269395 | 3702 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 3702 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 252515 | 2132 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2132 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 238905 | 300 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 300 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 227221 | 1358 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1358 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 224585 | 1017 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1017 |
| EMPIRE ST RLTY OP L P | UNIT LTD PRTNSP | 292102100 |  | 215760 | 29000 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 29000 |
| ISHARES TR | US HOME CONS ETF | 464288752 |  | 214500 | 2000 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 2000 |
| BANK AMERICA CORP | COM | 060505104 |  | 205948 | 3992 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 3992 |
| WALMART INC | COM | 931142103 |  | 200864 | 1949 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 1949 |
| LIVEPERSON INC | COM | 538146101 |  | 14645 | 25107 | SH |  | SOLE | D. Scott Neal | 0 | 0 | 25107 |

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