# EDGAR Filing Document

**Accession Number:** 0001934965
**File Stem:** 0001934965-26-000001
**Filing Date:** 2026-2
**Character Count:** 9005
**Document Hash:** e7bd6a8cf17162e5e80c7bfff46b4055
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001934965-26-000001.hdr.sgml**: 20260203

**ACCESSION NUMBER**: 0001934965-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260203

**DATE AS OF CHANGE**: 20260203

**EFFECTIVENESS DATE**: 20260203

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AMARA FINANCIAL, LLC.
- **CENTRAL INDEX KEY:** 0001934965

**ORGANIZATION NAME:**
- **EIN:** 845096818
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24432
- **FILM NUMBER:** 26590594

**BUSINESS ADDRESS:**
- **STREET 1:** 580 CALIFORNIA STREET
- **STREET 2:** 12TH FLOOR
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94104
- **BUSINESS PHONE:** 415-319-1071

**MAIL ADDRESS:**
- **STREET 1:** 580 CALIFORNIA STREET
- **STREET 2:** 12TH FLOOR
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94104

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** AMARA FINANCIAL LLC.<br>**Address:** 580 CALIFORNIA STREET<br>12TH FLOOR<br>SAN FRANCISCO, CA 94104

**Form 13F File Number:** 028-24432

**CRD Number (if applicable):** 000308290

**SEC File Number (if applicable):** 801-118722

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:** Abraham Martinez<br>**Title:** Principal<br>**Phone:** 415-319-1071

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

/s/Abraham Martinez  San Francisco, CA  02-03-2026<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:** 46

**Form 13F Information Table Value Total:** $144387175

      (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 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 | BBG001T79CF8 | 979890 | 4766 | SH |  | SOLE |  | 0 | 0 | 4766 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 351607 | 1123 | SH |  | SOLE |  | 0 | 0 | 1123 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 268231 | 855 | SH |  | SOLE |  | 0 | 0 | 855 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 417135 | 1534 | SH |  | SOLE |  | 0 | 0 | 1534 |
| COLUMBIA ETF TR I | US EQUITY INCOME | 19761L854 | BBG00D2R0FY8 | 1356462 | 28563 | SH |  | SOLE |  | 0 | 0 | 28563 |
| CVS HEALTH CORP | COM | 126650100 | BBG001S5QBD8 | 446956 | 5632 | SH |  | SOLE |  | 0 | 0 | 5632 |
| ETFS GOLD TR | PHYSCL GOLD SHS | 00326A104 | BBG001SCTFP8 | 3356729 | 81712 | SH |  | SOLE |  | 0 | 0 | 81712 |
| FIRST TR EXCH TRADED FD III | LNG/SHT EQUITY | 33739P103 | BBG00735B1V0 | 383525 | 5403 | SH |  | SOLE |  | 0 | 0 | 5403 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 2739175 | 40749 | SH |  | SOLE |  | 0 | 0 | 40749 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 | BBG001TG5H89 | 2840055 | 27738 | SH |  | SOLE |  | 0 | 0 | 27738 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 390720 | 4368 | SH |  | SOLE |  | 0 | 0 | 4368 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 2770714 | 41981 | SH |  | SOLE |  | 0 | 0 | 41981 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 4488566 | 37349 | SH |  | SOLE |  | 0 | 0 | 37349 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 | BBG00KK87757 | 233729 | 5083 | SH |  | SOLE |  | 0 | 0 | 5083 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 | BBG00H4BFM35 | 244108 | 9671 | SH |  | SOLE |  | 0 | 0 | 9671 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 | BBG00VHK2B74 | 1527680 | 26531 | SH |  | SOLE |  | 0 | 0 | 26531 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 | BBG00XDJF7W4 | 364384 | 8161 | SH |  | SOLE |  | 0 | 0 | 8161 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | BBG001SSD858 | 5630315 | 106473 | SH |  | SOLE |  | 0 | 0 | 106473 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 5400906 | 56242 | SH |  | SOLE |  | 0 | 0 | 56242 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 270025 | 571 | SH |  | SOLE |  | 0 | 0 | 571 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 1586229 | 7480 | SH |  | SOLE |  | 0 | 0 | 7480 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 381897 | 790 | SH |  | SOLE |  | 0 | 0 | 790 |
| PIMCO ETF TR | ENHANCD SHORT | 72201R643 | BBG00QQFDTV8 | 684722 | 6946 | SH |  | SOLE |  | 0 | 0 | 6946 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 527313 | 11582 | SH |  | SOLE |  | 0 | 0 | 11582 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 7870025 | 241264 | SH |  | SOLE |  | 0 | 0 | 241264 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 227404 | 8451 | SH |  | SOLE |  | 0 | 0 | 8451 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 1267003 | 3197 | SH |  | SOLE |  | 0 | 0 | 3197 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 1157694 | 1698 | SH |  | SOLE |  | 0 | 0 | 1698 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 | BBG001T6B0P2 | 510165 | 16893 | SH |  | SOLE |  | 0 | 0 | 16893 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 | BBG001SPTB87 | 331126 | 4128 | SH |  | SOLE |  | 0 | 0 | 4128 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 | BBG001SD7RB9 | 394614 | 3698 | SH |  | SOLE |  | 0 | 0 | 3698 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A375 | BBG001T2HCY9 | 416426 | 12317 | SH |  | SOLE |  | 0 | 0 | 12317 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 268483 | 597 | SH |  | SOLE |  | 0 | 0 | 597 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 688759 | 8739 | SH |  | SOLE |  | 0 | 0 | 8739 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 870161 | 1784 | SH |  | SOLE |  | 0 | 0 | 1784 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 701825 | 2514 | SH |  | SOLE |  | 0 | 0 | 2514 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 662007 | 3732 | SH |  | SOLE |  | 0 | 0 | 3732 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 6078367 | 20944 | SH |  | SOLE |  | 0 | 0 | 20944 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 820892 | 1309 | SH |  | SOLE |  | 0 | 0 | 1309 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 1426106 | 5529 | SH |  | SOLE |  | 0 | 0 | 5529 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 4213896 | 22063 | SH |  | SOLE |  | 0 | 0 | 22063 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 21529332 | 97959 | SH |  | SOLE |  | 0 | 0 | 97959 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 21014496 | 336393 | SH |  | SOLE |  | 0 | 0 | 336393 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 | BBG00M0P2VR5 | 1148647 | 16038 | SH |  | SOLE |  | 0 | 0 | 16038 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 | BBG001T0Y6L1 | 8076566 | 57216 | SH |  | SOLE |  | 0 | 0 | 57216 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 | BBG001T0Y6W9 | 27072108 | 65586 | SH |  | SOLE |  | 0 | 0 | 65586 |

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