# EDGAR Filing Document

**Accession Number:** 0002055275
**File Stem:** 0001951757-25-001040
**Filing Date:** 2025-8
**Character Count:** 9606
**Document Hash:** 30880b6a252a1e7c2eb8882dfa281c3a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001040.hdr.sgml**: 20250806

**ACCESSION NUMBER**: 0001951757-25-001040

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250806

**DATE AS OF CHANGE**: 20250806

**EFFECTIVENESS DATE**: 20250806

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SUMMIT INVESTMENT ADVISORS, INC.
- **CENTRAL INDEX KEY:** 0002055275

**ORGANIZATION NAME:**
- **EIN:** 474671101
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25157
- **FILM NUMBER:** 251189192

**BUSINESS ADDRESS:**
- **STREET 1:** 11350 MCCORMICK ROAD
- **STREET 2:** EXECUTIVE PLAZA III, SUITE 501
- **CITY:** HUNT VALLEY
- **STATE:** MD
- **ZIP:** 21031
- **BUSINESS PHONE:** 410-584-9600

**MAIL ADDRESS:**
- **STREET 1:** 11350 MCCORMICK ROAD
- **STREET 2:** EXECUTIVE PLAZA III, SUITE 501
- **CITY:** HUNT VALLEY
- **STATE:** MD
- **ZIP:** 21031

### 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:** SUMMIT INVESTMENT ADVISORS INC.<br>**Address:** 11350 MCCORMICK ROAD<br>EXECUTIVE PLAZA III SUITE 501<br>HUNT VALLEY, MD 21031

**Form 13F File Number:** 028-25157

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:** Alvin Anton<br>**Title:** Chief Compliance Officer<br>**Phone:** (410) 584-9600

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

Alvin Anton  Hunt Valley, MD  08-06-2025<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:** 3

**Form 13F Information Table Entry Total:** 55

**Form 13F Information Table Value Total:** $121354819

      (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.]

| No.   | Name        | Form 13F File Number   |
|:---|:---|:---|
|  | ARK         |  |
|  | CLEARBRIDGE |  |
|  | ALGER       |  |

### 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 |
| MICROSOFT CORP | COM | 594918104 |  | 979880 | 1870 | SH |  | DFND | 2 3 | 0 | 439 | 1431 |
| APPLE INC | COM | 037833100 |  | 1364112 | 6740 | SH |  | DFND | 2 3 | 0 | 716 | 6024 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 915515 | 5270 | SH |  | DFND | 1 2 3 | 0 | 2097 | 3173 |
| AMAZON COM INC | COM | 023135106 |  | 889387 | 4142 | SH |  | DFND | 1 2 3 | 0 | 1184 | 2958 |
| META PLATFORMS INC | CL A | 30303M102 |  | 327826 | 437 | SH |  | DFND | 1 2 3 | 0 | 296 | 141 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 231206 | 1222 | SH |  | DFND | 2 | 0 | 310 | 912 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 231106 | 1534 | SH |  | DFND | 2 | 0 | 5 | 1529 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 918353 | 6282 | SH |  | SOLE |  | 0 | 0 | 6282 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 261829 | 1955 | SH |  | SOLE |  | 0 | 0 | 1955 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 236918 | 1702 | SH |  | SOLE |  | 0 | 0 | 1702 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 1484427 | 16067 | SH |  | SOLE |  | 0 | 0 | 16067 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 3768198 | 19549 | SH |  | SOLE |  | 0 | 0 | 19549 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 8661261 | 20053 | SH |  | SOLE |  | 0 | 0 | 20053 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 6257994 | 18322 | SH |  | SOLE |  | 0 | 0 | 18322 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 298468 | 1956 | SH |  | SOLE |  | 0 | 0 | 1956 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 496562 | 869 | SH |  | SOLE |  | 0 | 0 | 869 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 234838 | 528 | SH |  | SOLE |  | 0 | 0 | 528 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1449744 | 4742 | SH |  | SOLE |  | 0 | 0 | 4742 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 4506617 | 8136 | SH |  | SOLE |  | 0 | 0 | 8136 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 348572 | 366 | SH |  | SOLE |  | 0 | 0 | 366 |
| FIRST TR EXCHANGE-TRADED FD | DOW 30 EQL WGT | 33733A201 |  | 3002056 | 79091 | SH |  | SOLE |  | 0 | 0 | 79091 |
| FIRST TR EXCHANGE-TRADED FD | SENIOR LN FD | 33738D309 |  | 912441 | 19870 | SH |  | SOLE |  | 0 | 0 | 19870 |
| FRANKLIN TEMPLETON ETF TR | SENIOR LOAN ETF | 35473P595 |  | 4287998 | 177999 | SH |  | SOLE |  | 0 | 0 | 177999 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 2971422 | 16366 | SH |  | SOLE |  | 0 | 0 | 16366 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 674948 | 32310 | SH |  | SOLE |  | 0 | 0 | 32310 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 625798 | 2744 | SH |  | SOLE |  | 0 | 0 | 2744 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 HG | 46138J395 |  | 1866555 | 87324 | SH |  | SOLE |  | 0 | 0 | 87324 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 28 HYCORP | 46138J452 |  | 2661560 | 121173 | SH |  | SOLE |  | 0 | 0 | 121173 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 449873 | 23980 | SH |  | SOLE |  | 0 | 0 | 23980 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2027 | 46138J585 |  | 2595747 | 114478 | SH |  | SOLE |  | 0 | 0 | 114478 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 6573557 | 282006 | SH |  | SOLE |  | 0 | 0 | 282006 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 600921 | 29270 | SH |  | SOLE |  | 0 | 0 | 29270 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 8512987 | 432241 | SH |  | SOLE |  | 0 | 0 | 432241 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 4936188 | 252749 | SH |  | SOLE |  | 0 | 0 | 252749 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 HY | 46138J817 |  | 11363054 | 492654 | SH |  | SOLE |  | 0 | 0 | 492654 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 1029607 | 49764 | SH |  | SOLE |  | 0 | 0 | 49764 |
| ISHARES U S ETF TR | IT RT HDG HGYL | 46431W606 |  | 1253193 | 14548 | SH |  | SOLE |  | 0 | 0 | 14548 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 556859 | 6816 | SH |  | SOLE |  | 0 | 0 | 6816 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 464015 | 10852 | SH |  | SOLE |  | 0 | 0 | 10852 |
| ISHARES TR | IBONDS DEC25 ETF | 46434VBD1 |  | 515910 | 20554 | SH |  | SOLE |  | 0 | 0 | 20554 |
| ISHARES TR | HIGH YLD SYSTM B | 46435G250 |  | 379790 | 8065 | SH |  | SOLE |  | 0 | 0 | 8065 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 4514980 | 186724 | SH |  | SOLE |  | 0 | 0 | 186724 |
| ISHARES TR | IBONDS 25 TRM HG | 46435U168 |  | 1299352 | 54449 | SH |  | SOLE |  | 0 | 0 | 54449 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 325389 | 6504 | SH |  | SOLE |  | 0 | 0 | 6504 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 6357412 | 262378 | SH |  | SOLE |  | 0 | 0 | 262378 |
| ISHARES TR | IBONDS 29 TR HI | 46436E379 |  | 1919192 | 81772 | SH |  | SOLE |  | 0 | 0 | 81772 |
| ISHARES TR | IBONDS 28 TR HI | 46436E387 |  | 2373271 | 100648 | SH |  | SOLE |  | 0 | 0 | 100648 |
| ISHARES TR | IBONDS 2027 TERM | 46436E478 |  | 2185487 | 97610 | SH |  | SOLE |  | 0 | 0 | 97610 |
| ISHARES TR | IBONDS 2026 TERM | 46436E528 |  | 7043251 | 304244 | SH |  | SOLE |  | 0 | 0 | 304244 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 771842 | 15263 | SH |  | SOLE |  | 0 | 0 | 15263 |
| LPL FINL HLDGS INC | COM | 50212V100 |  | 424379 | 1147 | SH |  | SOLE |  | 0 | 0 | 1147 |
| PRICE T ROWE GROUP INC | COM | 74144T108 |  | 288568 | 2800 | SH |  | SOLE |  | 0 | 0 | 2800 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 347775 | 559 | SH |  | SOLE |  | 0 | 0 | 559 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 1713473 | 17708 | SH |  | SOLE |  | 0 | 0 | 17708 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 1693156 | 32486 | SH |  | SOLE |  | 0 | 0 | 32486 |

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