# EDGAR Filing Document

**Accession Number:** 0001595509
**File Stem:** 0001398344-23-003347
**Filing Date:** 2023-2
**Character Count:** 13454
**Document Hash:** 5e532a732a26084b0aad773cda4dded8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-23-003347.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001398344-23-003347

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** IRON Financial, LLC
- **CENTRAL INDEX KEY:** 0001595509
- **IRS NUMBER:** 262409128
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15674
- **FILM NUMBER:** 23627432

**BUSINESS ADDRESS:**
- **STREET 1:** 630 DUNDEE ROAD, SUITE 200
- **CITY:** NORTHBROOK
- **STATE:** IL
- **ZIP:** 60062
- **BUSINESS PHONE:** 847-715-3200

**MAIL ADDRESS:**
- **STREET 1:** 630 DUNDEE ROAD, SUITE 200
- **CITY:** NORTHBROOK
- **STATE:** IL
- **ZIP:** 60062

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Iron Financial, LLC
- **DATE OF NAME CHANGE:** 20131230

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** IRON Financial LLC<br>**Address:** 630 DUNDEE ROAD SUITE 200<br>NORTHBROOK, IL 60062

**Form 13F File Number:** 028-15674

**CRD Number (if applicable):** 000106682

**SEC File Number (if applicable):** 801-46417

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 Ziemba<br>**Title:** Chief Compliance Officer<br>**Phone:** 847-715-3200

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

/s/ Timothy Ziemba  Northbrook, IL  02-13-2023<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:** $174192431

      (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 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 260526 | 1849 | SH |  | SOLE |  | 0 | 0 | 1849 |
| GENUINE PARTS CO | COM | 372460105 |  | 217395 | 1253 | SH |  | SOLE |  | 0 | 0 | 1253 |
| MERCK  CO INC | COM | 58933Y105 |  | 1158958 | 10446 | SH |  | SOLE |  | 0 | 0 | 10446 |
| ABBOTT LABS | COM | 002824100 |  | 432086 | 3936 | SH |  | SOLE |  | 0 | 0 | 3936 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 884714 | 5837 | SH |  | SOLE |  | 0 | 0 | 5837 |
| COCA COLA CO | COM | 191216100 |  | 797026 | 12530 | SH |  | SOLE |  | 0 | 0 | 12530 |
| CONAGRA BRANDS INC | COM | 205887102 |  | 877296 | 22669 | SH |  | SOLE |  | 0 | 0 | 22669 |
| INTEL CORP | COM | 458140100 |  | 354698 | 13420 | SH |  | SOLE |  | 0 | 0 | 13420 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 780528 | 8189 | SH |  | SOLE |  | 0 | 0 | 8189 |
| FORD MTR CO DEL | COM | 345370860 |  | 157070 | 13506 | SH |  | SOLE |  | 0 | 0 | 13506 |
| MICROSOFT CORP | COM | 594918104 |  | 2505893 | 10449 | SH |  | SOLE |  | 0 | 0 | 10449 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1245018 | 9284 | SH |  | SOLE |  | 0 | 0 | 9284 |
| APPLE INC | COM | 037833100 |  | 8683466 | 66832 | SH |  | SOLE |  | 0 | 0 | 66832 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 970142 | 5492 | SH |  | SOLE |  | 0 | 0 | 5492 |
| PFIZER INC | COM | 717081103 |  | 409305 | 7988 | SH |  | SOLE |  | 0 | 0 | 7988 |
| AMAZON COM INC | COM | 023135106 |  | 1258488 | 14982 | SH |  | SOLE |  | 0 | 0 | 14982 |
| DNP SELECT INCOME FD INC | COM | 23325P104 |  | 157818 | 14028 | SH |  | SOLE |  | 0 | 0 | 14028 |
| PEPSICO INC | COM | 713448108 |  | 950697 | 5262 | SH |  | SOLE |  | 0 | 0 | 5262 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 5235877 | 13691 | SH |  | SOLE |  | 0 | 0 | 13691 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 263572 | 2390 | SH |  | SOLE |  | 0 | 0 | 2390 |
| HOME DEPOT INC | COM | 437076102 |  | 240132 | 760 | SH |  | SOLE |  | 0 | 0 | 760 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 411122 | 10435 | SH |  | SOLE |  | 0 | 0 | 10435 |
| NEWELL BRANDS INC | COM | 651229106 |  | 132092 | 10099 | SH |  | SOLE |  | 0 | 0 | 10099 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 304032 | 2080 | SH |  | SOLE |  | 0 | 0 | 2080 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 584748 | 1893 | SH |  | SOLE |  | 0 | 0 | 1893 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 241877 | 1129 | SH |  | SOLE |  | 0 | 0 | 1129 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 8319847 | 43516 | SH |  | SOLE |  | 0 | 0 | 43516 |
| KELLOGG CO | COM | 487836108 |  | 782336 | 10982 | SH |  | SOLE |  | 0 | 0 | 10982 |
| GENERAL MLS INC | COM | 370334104 |  | 929480 | 11085 | SH |  | SOLE |  | 0 | 0 | 11085 |
| SMUCKER J M CO | COM NEW | 832696405 |  | 1042644 | 6580 | SH |  | SOLE |  | 0 | 0 | 6580 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 969995 | 1994 | SH |  | SOLE |  | 0 | 0 | 1994 |
| CLOROX CO DEL | COM | 189054109 |  | 884423 | 6302 | SH |  | SOLE |  | 0 | 0 | 6302 |
| CME GROUP INC | COM | 12572Q105 |  | 12645588 | 75200 | SH |  | SOLE |  | 0 | 0 | 75200 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 269802 | 2237 | SH |  | SOLE |  | 0 | 0 | 2237 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 200458 | 3054 | SH |  | SOLE |  | 0 | 0 | 3054 |
| PINNACLE WEST CAP CORP | COM | 723484101 |  | 781088 | 10272 | SH |  | SOLE |  | 0 | 0 | 10272 |
| HOLOGIC INC | COM | 436440101 |  | 200640 | 2682 | SH |  | SOLE |  | 0 | 0 | 2682 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 |  | 208124 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| PACKAGING CORP AMER | COM | 695156109 |  | 721575 | 5641 | SH |  | SOLE |  | 0 | 0 | 5641 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 215620 | 675 | SH |  | SOLE |  | 0 | 0 | 675 |
| AES CORP | COM | 00130H105 |  | 200547 | 6973 | SH |  | SOLE |  | 0 | 0 | 6973 |
| BLACKSTONE INC | COM | 09260D107 |  | 255383 | 3442 | SH |  | SOLE |  | 0 | 0 | 3442 |
| PUBLIC STORAGE | COM | 74460D109 |  | 731243 | 2610 | SH |  | SOLE |  | 0 | 0 | 2610 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 312279 | 9028 | SH |  | SOLE |  | 0 | 0 | 9028 |
| MID-AMER APT CMNTYS INC | COM | 59522J103 |  | 225535 | 1437 | SH |  | SOLE |  | 0 | 0 | 1437 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1227509 | 8084 | SH |  | SOLE |  | 0 | 0 | 8084 |
| BERKLEY W R CORP | COM | 084423102 |  | 204774 | 2822 | SH |  | SOLE |  | 0 | 0 | 2822 |
| MONOLITHIC PWR SYS INC | COM | 609839105 |  | 534106 | 1510 | SH |  | SOLE |  | 0 | 0 | 1510 |
| ABRDN GOLD ETF TRUST | PHYSCL GOLD SHS | 00326A104 |  | 313260 | 17931 | SH |  | SOLE |  | 0 | 0 | 17931 |
| CBOE GLOBAL MKTS INC | COM | 12503M108 |  | 1330023 | 10600 | SH |  | SOLE |  | 0 | 0 | 10600 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 437623 | 2675 | SH |  | SOLE |  | 0 | 0 | 2675 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1310873 | 25346 | SH |  | SOLE |  | 0 | 0 | 25346 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 624723 | 2346 | SH |  | SOLE |  | 0 | 0 | 2346 |
| TESLA INC | COM | 88160R101 |  | 249316 | 2024 | SH |  | SOLE |  | 0 | 0 | 2024 |
| ABBVIE INC | COM | 00287Y109 |  | 467189 | 2891 | SH |  | SOLE |  | 0 | 0 | 2891 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 372689 | 4458 | SH |  | SOLE |  | 0 | 0 | 4458 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 2870394 | 39811 | SH |  | SOLE |  | 0 | 0 | 39811 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 268925 | 3048 | SH |  | SOLE |  | 0 | 0 | 3048 |
| WALGREENS BOOTS ALLIANCE INC | COM | 931427108 |  | 692666 | 18540 | SH |  | SOLE |  | 0 | 0 | 18540 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 1488392 | 50131 | SH |  | SOLE |  | 0 | 0 | 50131 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 993707 | 30149 | SH |  | SOLE |  | 0 | 0 | 30149 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 5176071 | 109454 | SH |  | SOLE |  | 0 | 0 | 109454 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 14613760 | 497405 | SH |  | SOLE |  | 0 | 0 | 497405 |
| MITSUBISHI UFJ FINL GROUP IN | SPONSORED ADS | 606822104 |  | 68304 | 10241 | SH |  | SOLE |  | 0 | 0 | 10241 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 385482 | 8603 | SH |  | SOLE |  | 0 | 0 | 8603 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 221735 | 6884 | SH |  | SOLE |  | 0 | 0 | 6884 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 4386851 | 75015 | SH |  | SOLE |  | 0 | 0 | 75015 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 1245008 | 26809 | SH |  | SOLE |  | 0 | 0 | 26809 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 8130344 | 85565 | SH |  | SOLE |  | 0 | 0 | 85565 |
| HARTFORD FDS EXCHANGE TRADED | TOTAL RTRN ETF | 41653L305 |  | 13485333 | 408152 | SH |  | SOLE |  | 0 | 0 | 408152 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 1629368 | 21570 | SH |  | SOLE |  | 0 | 0 | 21570 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 9061042 | 174957 | SH |  | SOLE |  | 0 | 0 | 174957 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 3356182 | 51705 | SH |  | SOLE |  | 0 | 0 | 51705 |
| LEGG MASON ETF INVT TR | CLRBRDG AL CP GW | 524682101 |  | 446724 | 13496 | SH |  | SOLE |  | 0 | 0 | 13496 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 2315127 | 51424 | SH |  | SOLE |  | 0 | 0 | 51424 |
| PIMCO ETF TR | 15+ YR US TIPS | 72201R304 |  | 1880098 | 32282 | SH |  | SOLE |  | 0 | 0 | 32282 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 1166108 | 25954 | SH |  | SOLE |  | 0 | 0 | 25954 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 238022 | 6577 | SH |  | SOLE |  | 0 | 0 | 6577 |
| LUMEN TECHNOLOGIES INC | COM | 550241103 |  | 99784 | 19116 | SH |  | SOLE |  | 0 | 0 | 19116 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 4552988 | 194989 | SH |  | SOLE |  | 0 | 0 | 194989 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2024 CB | 46138J841 |  | 4803407 | 234483 | SH |  | SOLE |  | 0 | 0 | 234483 |
| ISHARES TR | IBONDS DEC25 ETF | 46434VBD1 |  | 4631073 | 190422 | SH |  | SOLE |  | 0 | 0 | 190422 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2023 CB | 46138J866 |  | 4846967 | 231028 | SH |  | SOLE |  | 0 | 0 | 231028 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2023 HY | 46138J858 |  | 796162 | 34155 | SH |  | SOLE |  | 0 | 0 | 34155 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 |  | 988376 | 43899 | SH |  | SOLE |  | 0 | 0 | 43899 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2024 HY | 46138J833 |  | 1033491 | 46722 | SH |  | SOLE |  | 0 | 0 | 46722 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 HY | 46138J817 |  | 1198380 | 54201 | SH |  | SOLE |  | 0 | 0 | 54201 |
| INVESCO EXCH TRD SLF IDX FD | BULLSHS 24 USD | 46138J650 |  | 2895089 | 120303 | SH |  | SOLE |  | 0 | 0 | 120303 |
| INVESCO EXCH TRD SLF IDX FD | BULLSHS 23 USD | 46138J668 |  | 2273236 | 97732 | SH |  | SOLE |  | 0 | 0 | 97732 |
| DIREXION SHS ETF TR | AUSPCE CMD STG | 25460E307 |  | 252195 | 8572 | SH |  | SOLE |  | 0 | 0 | 8572 |
| BAKER HUGHES COMPANY | CL A | 05722G100 |  | 204278 | 6918 | SH |  | SOLE |  | 0 | 0 | 6918 |
| AMCOR PLC | ORD | G0250X107 |  | 168115 | 14115 | SH |  | SOLE |  | 0 | 0 | 14115 |
| ISHARES TR | IBONDS 24 TRM HG | 46435U184 |  | 2201745 | 96950 | SH |  | SOLE |  | 0 | 0 | 96950 |
| ISHARES TR | IBONDS DEC24 ETF | 46434VBG4 |  | 390162 | 15977 | SH |  | SOLE |  | 0 | 0 | 15977 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 1761652 | 77537 | SH |  | SOLE |  | 0 | 0 | 77537 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 257352 | 7453 | SH |  | SOLE |  | 0 | 0 | 7453 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 235068 | 10059 | SH |  | SOLE |  | 0 | 0 | 10059 |

---