# EDGAR Filing Document

**Accession Number:** 0002011201
**File Stem:** 0002011201-25-000002
**Filing Date:** 2025-7
**Character Count:** 14863
**Document Hash:** 62da3aab1628b186d94bb20f7cdca723
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002011201-25-000002.hdr.sgml**: 20250723

**ACCESSION NUMBER**: 0002011201-25-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250723

**DATE AS OF CHANGE**: 20250722

**EFFECTIVENESS DATE**: 20250723

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Elm3 Financial Group, LLC
- **CENTRAL INDEX KEY:** 0002011201

**ORGANIZATION NAME:**
- **EIN:** 870760622
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24626
- **FILM NUMBER:** 251141273

**BUSINESS ADDRESS:**
- **STREET 1:** 5755 NORTH POINT PARKWAY
- **STREET 2:** SUITE 92
- **CITY:** ALPHARETTA
- **STATE:** GA
- **ZIP:** 30022
- **BUSINESS PHONE:** 678-297-9500

**MAIL ADDRESS:**
- **STREET 1:** 5755 NORTH POINT PARKWAY
- **STREET 2:** SUITE 92
- **CITY:** ALPHARETTA
- **STATE:** GA
- **ZIP:** 30022

### 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:** Elm3 Financial Group LLC<br>**Address:** 5755 NORTH POINT PARKWAY<br>SUITE 92<br>ALPHARETTA, GA 30022

**Form 13F File Number:** 028-24626

**CRD Number (if applicable):** 007497497

**SEC File Number (if applicable):** 801-126278

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:** Margaret Nickens<br>**Title:** Chief Compliance Officer<br>**Phone:** 6782979500

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

Margaret Nickens  Alpharetta, GA  07-22-2025<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:** $120265041

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1543369 | 8758 | SH |  | SOLE | 0 | 20 | 0 | 8738 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 398313 | 2245 | SH |  | SOLE | 0 | 0 | 0 | 2245 |
| AMAZON COM INC | COM | 023135106 |  | 8461064 | 38566 | SH |  | SOLE | 0 | 26 | 0 | 38540 |
| APPLE INC | COM | 037833100 |  | 3078165 | 15003 | SH |  | SOLE | 0 | 12 | 0 | 14991 |
| ARCH CAP GROUP LTD | ORD | G0450A105 |  | 770244 | 8460 | SH |  | SOLE | 0 | 0 | 0 | 8460 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 363201 | 3550 | SH |  | SOLE | 0 | 0 | 0 | 3550 |
| AUTOZONE INC | COM | 053332102 |  | 482590 | 130 | SH |  | SOLE | 0 | 0 | 0 | 130 |
| BERKLEY W R CORP | COM | 084423102 |  | 1961360 | 26696 | SH |  | SOLE | 0 | 36 | 0 | 26660 |
| BLACKROCK CORPOR HI YLD FD I | COM | 09255P107 |  | 304805 | 31262 | SH |  | SOLE | 0 | 0 | 0 | 31262 |
| BLACKROCK CR ALLOCATION INCO | COM | 092508100 |  | 146328 | 13400 | SH |  | SOLE | 0 | 0 | 0 | 13400 |
| BLACKROCK ETF TRUST II | ISHARES AAA CLO | 092528504 |  | 533218 | 10270 | SH |  | SOLE | 0 | 0 | 0 | 10270 |
| BLACKROCK ETF TRUST II | ISHARES FLOATING | 092528405 |  | 3902065 | 75286 | SH |  | SOLE | 0 | 0 | 0 | 75286 |
| BLACKROCK MULTI SECTOR INC T | COM | 09258A107 |  | 398011 | 27261 | SH |  | SOLE | 0 | 0 | 0 | 27261 |
| BLACKSTONE SECD LENDING FD | COMMON STOCK | 09261X102 |  | 1650267 | 53667 | SH |  | SOLE | 0 | 200 | 0 | 53467 |
| BROADCOM INC | COM | 11135F101 |  | 5028680 | 18243 | SH |  | SOLE | 0 | 19 | 0 | 18224 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 1321169 | 33456 | SH |  | SOLE | 0 | 119 | 0 | 33337 |
| CHENIERE ENERGY INC | COM NEW | 16411R208 |  | 250006 | 1027 | SH |  | SOLE | 0 | 0 | 0 | 1027 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 461224 | 1429 | SH |  | SOLE | 0 | 10 | 0 | 1419 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 789814 | 798 | SH |  | SOLE | 0 | 1 | 0 | 797 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 529173 | 1039 | SH |  | SOLE | 0 | 0 | 0 | 1039 |
| DIGITAL RLTY TR INC | COM | 253868103 |  | 311441 | 1787 | SH |  | SOLE | 0 | 0 | 0 | 1787 |
| DT MIDSTREAM INC | COMMON STOCK | 23345M107 |  | 585129 | 5324 | SH |  | SOLE | 0 | 8 | 0 | 5316 |
| DUFF  PHELPS UTLITY AND INF | COM | 26433C105 |  | 540201 | 43529 | SH |  | SOLE | 0 | 0 | 0 | 43529 |
| ELI LILLY  CO | COM | 532457108 |  | 4610528 | 5914 | SH |  | SOLE | 0 | 10 | 0 | 5904 |
| FIDELITY COVINGTON TRUST | BLUE CHIP GRWTH | 316092352 |  | 560694 | 11623 | SH |  | SOLE | 0 | 91 | 0 | 11532 |
| FIDELITY COVINGTON TRUST | INT HG DIV ETF | 316092725 |  | 360599 | 15483 | SH |  | SOLE | 0 | 0 | 0 | 15483 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 |  | 1483361 | 7521 | SH |  | SOLE | 0 | 20 | 0 | 7501 |
| FIDELITY COVINGTON TRUST | FUNDAMENTAL LARG | 316092360 |  | 418121 | 8558 | SH |  | SOLE | 0 | 0 | 0 | 8558 |
| FIDELITY COVINGTON TRUST | FUNDAMENTAL DEVE | 31609A883 |  | 302585 | 10192 | SH |  | SOLE | 0 | 0 | 0 | 10192 |
| FIDELITY COVINGTON TRUST | MSCI COMMNTN SVC | 316092873 |  | 470715 | 7263 | SH |  | SOLE | 0 | 5 | 0 | 7258 |
| FIDELITY COVINGTON TRUST | INTL MULTIFACTOR | 316092535 |  | 1182767 | 36303 | SH |  | SOLE | 0 | 200 | 0 | 36103 |
| FIDELITY COVINGTON TRUST | FUNDAMENTAL GLOB | 31609A875 |  | 288599 | 10009 | SH |  | SOLE | 0 | 0 | 0 | 10009 |
| FIDELITY COVINGTON TRUST | ENHANCED EMRNGS | 31609A800 |  | 374579 | 13243 | SH |  | SOLE | 0 | 0 | 0 | 13243 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 31609A305 |  | 427622 | 11548 | SH |  | SOLE | 0 | 146 | 0 | 11402 |
| FIDELITY MERRIMACK STR TR | LOW DURTIN ETF | 316188408 |  | 472160 | 9430 | SH |  | SOLE | 0 | 0 | 0 | 9430 |
| FRANKLIN TEMPLETON ETF TR | SENIOR LOAN ETF | 35473P595 |  | 728559 | 30068 | SH |  | SOLE | 0 | 0 | 0 | 30068 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 210639 | 658 | SH |  | SOLE | 0 | 0 | 0 | 658 |
| GLOBAL X FDS | GLOBAL X URANIUM | 37954Y871 |  | 222381 | 5730 | SH |  | SOLE | 0 | 0 | 0 | 5730 |
| GUGGENHEIM STRATEGIC OPPORTU | COM SBI | 40167F101 |  | 203502 | 13667 | SH |  | SOLE | 0 | 0 | 0 | 13667 |
| HOME DEPOT INC | COM | 437076102 |  | 1492505 | 4071 | SH |  | SOLE | 0 | 0 | 0 | 4071 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 1677881 | 9015 | SH |  | SOLE | 0 | 22 | 0 | 8993 |
| INVESCO ACTIVELY MANAGED EXC | AAA CLO FLTNG RT | 46090A721 |  | 6525557 | 255303 | SH |  | SOLE | 0 | 0 | 0 | 255303 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 3471834 | 15288 | SH |  | SOLE | 0 | 28 | 0 | 15260 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 449804 | 21501 | SH |  | SOLE | 0 | 0 | 0 | 21501 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 480590 | 4892 | SH |  | SOLE | 0 | 0 | 0 | 4892 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 3395000 | 26394 | SH |  | SOLE | 0 | 25 | 0 | 26369 |
| INVESCO EXCHANGE TRADED FD T | AEROSPACE DEFN | 46137V100 |  | 833854 | 5885 | SH |  | SOLE | 0 | 42 | 0 | 5843 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 297145 | 1635 | SH |  | SOLE | 0 | 15 | 0 | 1620 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 4154363 | 7531 | SH |  | SOLE | 0 | 3 | 0 | 7528 |
| ISHARES INC | MSCI STH KOR ETF | 464286772 |  | 850091 | 11843 | SH |  | SOLE | 0 | 50 | 0 | 11793 |
| ISHARES INC | MSCI SWEDEN ETF | 464286756 |  | 534120 | 11677 | SH |  | SOLE | 0 | 50 | 0 | 11627 |
| ISHARES INC | MSCI TAIWAN ETF | 46434G772 |  | 737820 | 12854 | SH |  | SOLE | 0 | 101 | 0 | 12753 |
| ISHARES TR | MSCI POLAND ETF | 46429B606 |  | 626603 | 19424 | SH |  | SOLE | 0 | 100 | 0 | 19324 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 217498 | 4263 | SH |  | SOLE | 0 | 0 | 0 | 4263 |
| ISHARES TR | MSCI INDIA SM CP | 46429B614 |  | 288808 | 3742 | SH |  | SOLE | 0 | 0 | 0 | 3742 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 4310472 | 17936 | SH |  | SOLE | 0 | 15 | 0 | 17921 |
| ISHARES TR | CORE S ETF | 464287200 |  | 569498 | 917 | SH |  | SOLE | 0 | 0 | 0 | 917 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 643472 | 4640 | SH |  | SOLE | 0 | 92 | 0 | 4548 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 809718 | 3285 | SH |  | SOLE | 0 | 20 | 0 | 3265 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 1059573 | 17645 | SH |  | SOLE | 0 | 0 | 0 | 17645 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 |  | 393892 | 8370 | SH |  | SOLE | 0 | 0 | 0 | 8370 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 1258042 | 24789 | SH |  | SOLE | 0 | 0 | 0 | 24789 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 473756 | 1634 | SH |  | SOLE | 0 | 0 | 0 | 1634 |
| KLA CORP | COM NEW | 482480100 |  | 482804 | 539 | SH |  | SOLE | 0 | 1 | 0 | 538 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 421526 | 910 | SH |  | SOLE | 0 | 0 | 0 | 910 |
| MARATHON PETE CORP | COM | 56585A102 |  | 286728 | 1726 | SH |  | SOLE | 0 | 0 | 0 | 1726 |
| MCKESSON CORP | COM | 58155Q103 |  | 242550 | 331 | SH |  | SOLE | 0 | 1 | 0 | 330 |
| META PLATFORMS INC | CL A | 30303M102 |  | 591251 | 801 | SH |  | SOLE | 0 | 4 | 0 | 797 |
| MICROSOFT CORP | COM | 594918104 |  | 5587353 | 11233 | SH |  | SOLE | 0 | 11 | 0 | 11222 |
| MODINE MFG CO | COM | 607828100 |  | 404638 | 4108 | SH |  | SOLE | 0 | 10 | 0 | 4098 |
| NASDAQ INC | COM | 631103108 |  | 349990 | 3914 | SH |  | SOLE | 0 | 0 | 0 | 3914 |
| NETFLIX INC | COM | 64110L106 |  | 480748 | 359 | SH |  | SOLE | 0 | 0 | 0 | 359 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 660888 | 9575 | SH |  | SOLE | 0 | 0 | 0 | 9575 |
| NRG ENERGY INC | COM NEW | 629377508 |  | 376560 | 2345 | SH |  | SOLE | 0 | 15 | 0 | 2330 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 7746481 | 49031 | SH |  | SOLE | 0 | 49 | 0 | 48982 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 205046 | 2275 | SH |  | SOLE | 0 | 0 | 0 | 2275 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 839229 | 4101 | SH |  | SOLE | 0 | 10 | 0 | 4091 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 209541 | 300 | SH |  | SOLE | 0 | 0 | 0 | 300 |
| PHILLIPS 66 | COM | 718546104 |  | 276125 | 2315 | SH |  | SOLE | 0 | 0 | 0 | 2315 |
| PIMCO CORPORATE  INCM STRG | COM | 72200U100 |  | 412298 | 32490 | SH |  | SOLE | 0 | 0 | 0 | 32490 |
| PIMCO CORPORATE  INCOME OPP | COM | 72201B101 |  | 1557085 | 111940 | SH |  | SOLE | 0 | 0 | 0 | 111940 |
| PIMCO DYNAMIC INCOME FD | SHS | 72201Y101 |  | 1599653 | 84325 | SH |  | SOLE | 0 | 0 | 0 | 84325 |
| PIMCO ETF TR | SR LN ACTIVE ETF | 72201R627 |  | 2377047 | 46615 | SH |  | SOLE | 0 | 20 | 0 | 46595 |
| PIMCO INCOME STRATEGY FD | COM | 72201H108 |  | 232127 | 27833 | SH |  | SOLE | 0 | 0 | 0 | 27833 |
| PIMCO INCOME STRATEGY FD II | COM | 72201J104 |  | 300699 | 40690 | SH |  | SOLE | 0 | 0 | 0 | 40690 |
| PROGRESSIVE CORP | COM | 743315103 |  | 1273764 | 4773 | SH |  | SOLE | 0 | 3 | 0 | 4770 |
| PROSHARES TR | ULTR MSCI ETF | 74347X500 |  | 219661 | 3894 | SH |  | SOLE | 0 | 0 | 0 | 3894 |
| REPUBLIC SVCS INC | COM | 760759100 |  | 234844 | 952 | SH |  | SOLE | 0 | 0 | 0 | 952 |
| S GLOBAL INC | COM | 78409V104 |  | 464541 | 881 | SH |  | SOLE | 0 | 0 | 0 | 881 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 466297 | 755 | SH |  | SOLE | 0 | 0 | 0 | 755 |
| STERLING INFRASTRUCTURE INC | COM | 859241101 |  | 782636 | 3392 | SH |  | SOLE | 0 | 0 | 0 | 3392 |
| T ROWE PRICE ETF INC | US HIGH YIELD | 87283Q875 |  | 1770152 | 33880 | SH |  | SOLE | 0 | 0 | 0 | 33880 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 437805 | 1933 | SH |  | SOLE | 0 | 0 | 0 | 1933 |
| TRANSDIGM GROUP INC | COM | 893641100 |  | 1063090 | 699 | SH |  | SOLE | 0 | 0 | 0 | 699 |
| VANECK ETF TRUST | PHARMACEUTCL ETF | 92189F692 |  | 214534 | 2439 | SH |  | SOLE | 0 | 0 | 0 | 2439 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 474756 | 1702 | SH |  | SOLE | 0 | 0 | 0 | 1702 |
| VANECK ETF TRUST | FALLEN ANGEL HG | 92189F437 |  | 220034 | 7515 | SH |  | SOLE | 0 | 0 | 0 | 7515 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 414258 | 1480 | SH |  | SOLE | 0 | 0 | 0 | 1480 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 542921 | 2291 | SH |  | SOLE | 0 | 5 | 0 | 2286 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 982598 | 3233 | SH |  | SOLE | 0 | 0 | 0 | 3233 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 466259 | 5623 | SH |  | SOLE | 0 | 0 | 0 | 5623 |
| VANGUARD SCOTTSDALE FDS | LG-TERM COR BD | 92206C813 |  | 448341 | 5907 | SH |  | SOLE | 0 | 0 | 0 | 5907 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 490815 | 7104 | SH |  | SOLE | 0 | 0 | 0 | 7104 |
| VANGUARD WELLINGTON FD | US MINIMUM | 921935409 |  | 279413 | 2179 | SH |  | SOLE | 0 | 0 | 0 | 2179 |
| VERTIV HOLDINGS CO | COM CL A | 92537N108 |  | 372135 | 2898 | SH |  | SOLE | 0 | 0 | 0 | 2898 |
| VISTRA CORP | COM | 92840M102 |  | 340718 | 1758 | SH |  | SOLE | 0 | 25 | 0 | 1733 |
| WISDOMTREE TR | EFFICIENT GLD PL | 97717Y568 |  | 512535 | 10868 | SH |  | SOLE | 0 | 0 | 0 | 10868 |
| WISDOMTREE TR | US QUALITY GROW | 97717Y477 |  | 473423 | 9009 | SH |  | SOLE | 0 | 0 | 0 | 9009 |

---