# EDGAR Filing Document

**Accession Number:** 0001593038
**File Stem:** 0001104659-25-108808
**Filing Date:** 2025-11
**Character Count:** 13327
**Document Hash:** 8a8055c139e81b63cc47a2d3cf46e5c6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-108808.hdr.sgml**: 20251110

**ACCESSION NUMBER**: 0001104659-25-108808

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251110

**DATE AS OF CHANGE**: 20251110

**EFFECTIVENESS DATE**: 20251110

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Coyle Financial Counsel LLC
- **CENTRAL INDEX KEY:** 0001593038

**ORGANIZATION NAME:**
- **EIN:** 362705245
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16084
- **FILM NUMBER:** 251464312

**BUSINESS ADDRESS:**
- **STREET 1:** 2700 PATRIOT BLVD
- **STREET 2:** SUITE 440
- **CITY:** GLENVIEW
- **STATE:** IL
- **ZIP:** 60026
- **BUSINESS PHONE:** 847-441-5644

**MAIL ADDRESS:**
- **STREET 1:** 2700 PATRIOT BLVD
- **STREET 2:** SUITE 440
- **CITY:** GLENVIEW
- **STATE:** IL
- **ZIP:** 60026

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Coyle Financial Counsel, Inc.
- **DATE OF NAME CHANGE:** 20131126

### 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:** Coyle Financial Counsel LLC<br>**Address:** 2700 Patriot Blvd<br>Suite 440<br>Glenview, IL 60026

**Form 13F File Number:** 028-16084

**CRD Number (if applicable):** 000110593

**SEC File Number (if applicable):** 801-17378

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:** Dave Smestuen<br>**Title:** Chief Operating Officer<br>**Phone:** 847-441-5644

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

/s/ Dave Smestuen  Glenview, IL  11-04-2025<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:** 97

**Form 13F Information Table Value Total:** $433786464

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 854537 | 6380 | SH |  | SOLE |  | 6380 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 1681443 | 7262 | SH |  | SOLE |  | 7262 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2400674 | 9857 | SH |  | SOLE |  | 9857 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1812311 | 7455 | SH |  | SOLE |  | 7455 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 3576356 | 16288 | SH |  | SOLE |  | 16288 | 0 | 0 |
| AMCOR PLC | ORD | G0250X107 |  | 1017383 | 124374 | SH |  | SOLE |  | 124374 | 0 | 0 |
| AMERICAN HOMES 4 RENT | CL A | 02665T306 |  | 622523 | 18723 | SH |  | SOLE |  | 18723 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 3907585 | 15346 | SH |  | SOLE |  | 15346 | 0 | 0 |
| AUTOZONE INC | COM | 053332102 |  | 2248086 | 524 | SH |  | SOLE |  | 524 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 483759 | 9377 | SH |  | SOLE |  | 9377 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 930069 | 1850 | SH |  | SOLE |  | 1850 | 0 | 0 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 |  | 393351 | 4029 | SH |  | SOLE |  | 4029 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 1181738 | 3582 | SH |  | SOLE |  | 3582 | 0 | 0 |
| BRUNSWICK CORP | COM | 117043109 |  | 753252 | 11911 | SH |  | SOLE |  | 11911 | 0 | 0 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 213466 | 1360 | SH |  | SOLE |  | 1360 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 647015 | 1356 | SH |  | SOLE |  | 1356 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 229815 | 1480 | SH |  | SOLE |  | 1480 | 0 | 0 |
| CIENA CORP | COM NEW | 171779309 |  | 1584598 | 10878 | SH |  | SOLE |  | 10878 | 0 | 0 |
| CITIGROUP INC | COM NEW | 172967424 |  | 222488 | 2192 | SH |  | SOLE |  | 2192 | 0 | 0 |
| CLEAN HARBORS INC | COM | 184496107 |  | 2222926 | 9573 | SH |  | SOLE |  | 9573 | 0 | 0 |
| CME GROUP INC | COM | 12572Q105 |  | 327200 | 1211 | SH |  | SOLE |  | 1211 | 0 | 0 |
| COCA COLA CONS INC | COM | 191098102 |  | 275003 | 2347 | SH |  | SOLE |  | 2347 | 0 | 0 |
| CRH PLC | ORD | G25508105 |  | 2356874 | 19657 | SH |  | SOLE |  | 19657 | 0 | 0 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 511957 | 1044 | SH |  | SOLE |  | 1044 | 0 | 0 |
| DECKERS OUTDOOR CORP | COM | 243537107 |  | 963826 | 9508 | SH |  | SOLE |  | 9508 | 0 | 0 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 923567 | 6454 | SH |  | SOLE |  | 6454 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 7241538 | 199217 | SH |  | SOLE |  | 199217 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 5234005 | 159622 | SH |  | SOLE |  | 159622 | 0 | 0 |
| EA SERIES TRUST | FREEDOM 100 EM | 02072L607 |  | 24665618 | 556660 | SH |  | SOLE |  | 556660 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 223559 | 293 | SH |  | SOLE |  | 293 | 0 | 0 |
| FIDELITY COVINGTON TRUST | ENHANCED INTL | 31609A404 |  | 3568184 | 101139 | SH |  | SOLE |  | 101139 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 34019178 | 735709 | SH |  | SOLE |  | 735709 | 0 | 0 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 305579 | 6027 | SH |  | SOLE |  | 6027 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 371212 | 1234 | SH |  | SOLE |  | 1234 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 |  | 293307 | 477 | SH |  | SOLE |  | 477 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 799905 | 7981 | SH |  | SOLE |  | 7981 | 0 | 0 |
| HEALTHEQUITY INC | COM | 42226A107 |  | 1462585 | 15433 | SH |  | SOLE |  | 15433 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 586310 | 1447 | SH |  | SOLE |  | 1447 | 0 | 0 |
| I3 VERTICALS INC | COM CL A | 46571Y107 |  | 541238 | 16674 | SH |  | SOLE |  | 16674 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 26090999 | 43458 | SH |  | SOLE |  | 43458 | 0 | 0 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 316200 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 2361802 | 30785 | SH |  | SOLE |  | 30785 | 0 | 0 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 932192 | 2460 | SH |  | SOLE |  | 2460 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 725065 | 14287 | SH |  | SOLE |  | 14287 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 462720 | 3833 | SH |  | SOLE |  | 3833 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 18932487 | 290109 | SH |  | SOLE |  | 290109 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 71723134 | 107161 | SH |  | SOLE |  | 107161 | 0 | 0 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 579394 | 5754 | SH |  | SOLE |  | 5754 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 261813 | 1412 | SH |  | SOLE |  | 1412 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 924002 | 2929 | SH |  | SOLE |  | 2929 | 0 | 0 |
| KIRBY CORP | COM | 497266106 |  | 1452280 | 17403 | SH |  | SOLE |  | 17403 | 0 | 0 |
| KNIGHT-SWIFT TRANSN HLDGS IN | CL A | 499049104 |  | 443263 | 11219 | SH |  | SOLE |  | 11219 | 0 | 0 |
| LKQ CORP | COM | 501889208 |  | 1587546 | 51983 | SH |  | SOLE |  | 51983 | 0 | 0 |
| MASCO CORP | COM | 574599106 |  | 1342021 | 19066 | SH |  | SOLE |  | 19066 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 300332 | 528 | SH |  | SOLE |  | 528 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 671293 | 2209 | SH |  | SOLE |  | 2209 | 0 | 0 |
| MCKESSON CORP | COM | 58155Q103 |  | 272707 | 353 | SH |  | SOLE |  | 353 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1531182 | 2085 | SH |  | SOLE |  | 2085 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 3422614 | 6608 | SH |  | SOLE |  | 6608 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 354880 | 296 | SH |  | SOLE |  | 296 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 5360374 | 28730 | SH |  | SOLE |  | 28730 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 235504 | 1291 | SH |  | SOLE |  | 1291 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 469751 | 2307 | SH |  | SOLE |  | 2307 | 0 | 0 |
| PINNACLE FINL PARTNERS INC | COM | 72346Q104 |  | 1256036 | 13392 | SH |  | SOLE |  | 13392 | 0 | 0 |
| PINTEREST INC | CL A | 72352L106 |  | 321764 | 10002 | SH |  | SOLE |  | 10002 | 0 | 0 |
| PROGRESSIVE CORP | COM | 743315103 |  | 1059292 | 4290 | SH |  | SOLE |  | 4290 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 239891 | 1442 | SH |  | SOLE |  | 1442 | 0 | 0 |
| QUANTA SVCS INC | COM | 74762E102 |  | 282220 | 681 | SH |  | SOLE |  | 681 | 0 | 0 |
| RB GLOBAL INC | COM | 74935Q107 |  | 816601 | 7536 | SH |  | SOLE |  | 7536 | 0 | 0 |
| REINSURANCE GRP OF AMERICA I | COM NEW | 759351604 |  | 203850 | 1061 | SH |  | SOLE |  | 1061 | 0 | 0 |
| RTX CORPORATION | COM | 00755E105 |  | 279005 | 1667 | SH |  | SOLE |  | 1667 | 0 | 0 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 403997 | 3413 | SH |  | SOLE |  | 3413 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 307151 | 2207 | SH |  | SOLE |  | 2207 | 0 | 0 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 546860 | 10151 | SH |  | SOLE |  | 10151 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 1217353 | 4319 | SH |  | SOLE |  | 4319 | 0 | 0 |
| SERVICENOW INC | COM | 81762P102 |  | 236512 | 257 | SH |  | SOLE |  | 257 | 0 | 0 |
| SOMNIGROUP INTERNATIONAL INC | COM | 88023U101 |  | 2144090 | 25425 | SH |  | SOLE |  | 25425 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2064506 | 3099 | SH |  | SOLE |  | 3099 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 1633718 | 2741 | SH |  | SOLE |  | 2741 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 3186111 | 34726 | SH |  | SOLE |  | 34726 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 |  | 211585 | 2501 | SH |  | SOLE |  | 2501 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 495863 | 1115 | SH |  | SOLE |  | 1115 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 |  | 241526 | 1671 | SH |  | SOLE |  | 1671 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 303263 | 1283 | SH |  | SOLE |  | 1283 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 480966 | 5758 | SH |  | SOLE |  | 5758 | 0 | 0 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 17293506 | 345905 | SH |  | SOLE |  | 345905 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 5485836 | 16716 | SH |  | SOLE |  | 16716 | 0 | 0 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 4601864 | 21983 | SH |  | SOLE |  | 21983 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 13103532 | 21398 | SH |  | SOLE |  | 21398 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 18678125 | 135545 | SH |  | SOLE |  | 135545 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1890578 | 34894 | SH |  | SOLE |  | 34894 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 23318864 | 291741 | SH |  | SOLE |  | 291741 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 14569483 | 173219 | SH |  | SOLE |  | 173219 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 6351165 | 86457 | SH |  | SOLE |  | 86457 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 57350600 | 957119 | SH |  | SOLE |  | 957119 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 397428 | 1164 | SH |  | SOLE |  | 1164 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 405748 | 3937 | SH |  | SOLE |  | 3937 | 0 | 0 |

---