# EDGAR Filing Document

**Accession Number:** 0001767940
**File Stem:** 0001767940-23-000001
**Filing Date:** 2023-2
**Character Count:** 12871
**Document Hash:** fd58f5bf0c588d1f434b391361903804
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001767940-23-000001.hdr.sgml**: 20230206

**ACCESSION NUMBER**: 0001767940-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230206

**DATE AS OF CHANGE**: 20230206

**EFFECTIVENESS DATE**: 20230206

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Wolff Financial Management LLC
- **CENTRAL INDEX KEY:** 0001767940
- **IRS NUMBER:** 383548642
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19175
- **FILM NUMBER:** 23589006

**BUSINESS ADDRESS:**
- **STREET 1:** 5938 VENTURE PARK DRIVE
- **CITY:** KALAMAZOO
- **STATE:** MI
- **ZIP:** 49009
- **BUSINESS PHONE:** 269-372-3100

**MAIL ADDRESS:**
- **STREET 1:** 5938 VENTURE PARK DRIVE
- **CITY:** KALAMAZOO
- **STATE:** MI
- **ZIP:** 49009

### 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:** Wolff Financial Management LLC<br>**Address:** 5938 VENTURE PARK DRIVE<br>KALAMAZOO, MI 49009

**Form 13F File Number:** 028-19175

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:** Ashleigh Swayze<br>**Title:** Counsel<br>**Phone:** 6463953900

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

Ashleigh Swayze  Newtown, PA  02-06-2023<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:** $270339

      (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 |
| 3M CO | COM | 88579Y101 |  | 307 | 2556 | SH |  | SOLE |  | 0 | 0 | 2556 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 649 | 14199 | SH |  | SOLE |  | 0 | 0 | 14199 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 866 | 9124 | SH |  | SOLE |  | 0 | 0 | 9124 |
| AMGEN INC | COM | 031162100 |  | 412 | 1568 | SH |  | SOLE |  | 0 | 0 | 1568 |
| APPLE INC | COM | 037833100 |  | 2492 | 19180 | SH |  | SOLE |  | 0 | 0 | 19180 |
| APPLIED MATLS INC | COM | 038222105 |  | 240 | 2469 | SH |  | SOLE |  | 0 | 0 | 2469 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 916 | 2966 | SH |  | SOLE |  | 0 | 0 | 2966 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 716 | 9950 | SH |  | SOLE |  | 0 | 0 | 9950 |
| CATERPILLAR INC | COM | 149123101 |  | 1229 | 5130 | SH |  | SOLE |  | 0 | 0 | 5130 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1584 | 8828 | SH |  | SOLE |  | 0 | 0 | 8828 |
| CISCO SYS INC | COM | 17275R102 |  | 514 | 10792 | SH |  | SOLE |  | 0 | 0 | 10792 |
| CLOROX CO DEL | COM | 189054109 |  | 523 | 3725 | SH |  | SOLE |  | 0 | 0 | 3725 |
| COCA COLA CO | COM | 191216100 |  | 820 | 12895 | SH |  | SOLE |  | 0 | 0 | 12895 |
| CORNING INC | COM | 219350105 |  | 228 | 7143 | SH |  | SOLE |  | 0 | 0 | 7143 |
| DISNEY WALT CO | COM | 254687106 |  | 228 | 2623 | SH |  | SOLE |  | 0 | 0 | 2623 |
| DOW INC | COM | 260557103 |  | 417 | 8270 | SH |  | SOLE |  | 0 | 0 | 8270 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 495 | 4810 | SH |  | SOLE |  | 0 | 0 | 4810 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 142 | 12000 | SH |  | SOLE |  | 0 | 0 | 12000 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 213 | 8834 | SH |  | SOLE |  | 0 | 0 | 8834 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 252 | 1017 | SH |  | SOLE |  | 0 | 0 | 1017 |
| GENERAL MLS INC | COM | 370334104 |  | 436 | 5201 | SH |  | SOLE |  | 0 | 0 | 5201 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 277 | 3227 | SH |  | SOLE |  | 0 | 0 | 3227 |
| HASBRO INC | COM | 418056107 |  | 257 | 4212 | SH |  | SOLE |  | 0 | 0 | 4212 |
| INTEL CORP | COM | 458140100 |  | 590 | 22334 | SH |  | SOLE |  | 0 | 0 | 22334 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 958 | 14985 | SH |  | SOLE |  | 0 | 0 | 14985 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 |  | 11501 | 75861 | SH |  | SOLE |  | 0 | 0 | 75861 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 884 | 3319 | SH |  | SOLE |  | 0 | 0 | 3319 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 17137 | 342748 | SH |  | SOLE |  | 0 | 0 | 342748 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 3743 | 35904 | SH |  | SOLE |  | 0 | 0 | 35904 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2735 | 41671 | SH |  | SOLE |  | 0 | 0 | 41671 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 2495 | 52128 | SH |  | SOLE |  | 0 | 0 | 52128 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 2383 | 37475 | SH |  | SOLE |  | 0 | 0 | 37475 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 2309 | 71289 | SH |  | SOLE |  | 0 | 0 | 71289 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 1682 | 13950 | SH |  | SOLE |  | 0 | 0 | 13950 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1440 | 12635 | SH |  | SOLE |  | 0 | 0 | 12635 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 682 | 8164 | SH |  | SOLE |  | 0 | 0 | 8164 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 669 | 7986 | SH |  | SOLE |  | 0 | 0 | 7986 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 606 | 12041 | SH |  | SOLE |  | 0 | 0 | 12041 |
| ISHARES TR | MSCI INTL SML CP | 46434V266 |  | 441 | 14693 | SH |  | SOLE |  | 0 | 0 | 14693 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 403 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 277 | 4055 | SH |  | SOLE |  | 0 | 0 | 4055 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 239 | 1354 | SH |  | SOLE |  | 0 | 0 | 1354 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 431 | 3216 | SH |  | SOLE |  | 0 | 0 | 3216 |
| KELLOGG CO | COM | 487836108 |  | 2510 | 35239 | SH |  | SOLE |  | 0 | 0 | 35239 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 650 | 4787 | SH |  | SOLE |  | 0 | 0 | 4787 |
| LANCASTER COLONY CORP | COM | 513847103 |  | 4447 | 22539 | SH |  | SOLE |  | 0 | 0 | 22539 |
| LILLY ELI  CO | COM | 532457108 |  | 5534 | 15127 | SH |  | SOLE |  | 0 | 0 | 15127 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 630 | 1295 | SH |  | SOLE |  | 0 | 0 | 1295 |
| MCDONALDS CORP | COM | 580135101 |  | 1383 | 5249 | SH |  | SOLE |  | 0 | 0 | 5249 |
| MERCK  CO INC | COM | 58933Y105 |  | 1373 | 12378 | SH |  | SOLE |  | 0 | 0 | 12378 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1363 | 11323 | SH |  | SOLE |  | 0 | 0 | 11323 |
| MICROSOFT CORP | COM | 594918104 |  | 1640 | 6839 | SH |  | SOLE |  | 0 | 0 | 6839 |
| NATIONAL FUEL GAS CO | COM | 636180101 |  | 359 | 5678 | SH |  | SOLE |  | 0 | 0 | 5678 |
| NUVEEN AMT FREE QLTY MUN INC | COM | 670657105 |  | 195 | 17169 | SH |  | SOLE |  | 0 | 0 | 17169 |
| NUVEEN MUN VALUE FD INC | COM | 670928100 |  | 284 | 33039 | SH |  | SOLE |  | 0 | 0 | 33039 |
| PEPSICO INC | COM | 713448108 |  | 1041 | 5764 | SH |  | SOLE |  | 0 | 0 | 5764 |
| PFIZER INC | COM | 717081103 |  | 2788 | 54408 | SH |  | SOLE |  | 0 | 0 | 54408 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 458 | 4523 | SH |  | SOLE |  | 0 | 0 | 4523 |
| PRINCIPAL FINANCIAL GROUP IN | COM | 74251V102 |  | 656 | 7815 | SH |  | SOLE |  | 0 | 0 | 7815 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1532 | 10109 | SH |  | SOLE |  | 0 | 0 | 10109 |
| QUALCOMM INC | COM | 747525103 |  | 1024 | 9313 | SH |  | SOLE |  | 0 | 0 | 9313 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 553 | 5477 | SH |  | SOLE |  | 0 | 0 | 5477 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 445 | 13827 | SH |  | SOLE |  | 0 | 0 | 13827 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 234 | 3098 | SH |  | SOLE |  | 0 | 0 | 3098 |
| SELECT SECTOR SPDR TR | SBI INT-INDS | 81369Y704 |  | 506 | 5156 | SH |  | SOLE |  | 0 | 0 | 5156 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 404 | 2379 | SH |  | SOLE |  | 0 | 0 | 2379 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 1464 | 44408 | SH |  | SOLE |  | 0 | 0 | 44408 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 561 | 1467 | SH |  | SOLE |  | 0 | 0 | 1467 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 25365 | 202745 | SH |  | SOLE |  | 0 | 0 | 202745 |
| STRYKER CORPORATION | COM | 863667101 |  | 2672 | 10930 | SH |  | SOLE |  | 0 | 0 | 10930 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 503 | 7771 | SH |  | SOLE |  | 0 | 0 | 7771 |
| TOTALENERGIES SE | SPONSORED ADS | 89151E109 |  | 262 | 4224 | SH |  | SOLE |  | 0 | 0 | 4224 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 936 | 5386 | SH |  | SOLE |  | 0 | 0 | 5386 |
| US BANCORP DEL | COM NEW | 902973304 |  | 399 | 9141 | SH |  | SOLE |  | 0 | 0 | 9141 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 259 | 3996 | SH |  | SOLE |  | 0 | 0 | 3996 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 263 | 3499 | SH |  | SOLE |  | 0 | 0 | 3499 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 16754 | 82202 | SH |  | SOLE |  | 0 | 0 | 82202 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 16265 | 88619 | SH |  | SOLE |  | 0 | 0 | 88619 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 15951 | 74847 | SH |  | SOLE |  | 0 | 0 | 74847 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 6684 | 37182 | SH |  | SOLE |  | 0 | 0 | 37182 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 5628 | 28063 | SH |  | SOLE |  | 0 | 0 | 28063 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3918 | 24675 | SH |  | SOLE |  | 0 | 0 | 24675 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 2142 | 15836 | SH |  | SOLE |  | 0 | 0 | 15836 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1145 | 5989 | SH |  | SOLE |  | 0 | 0 | 5989 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 777 | 5533 | SH |  | SOLE |  | 0 | 0 | 5533 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1154 | 23318 | SH |  | SOLE |  | 0 | 0 | 23318 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 17250 | 229413 | SH |  | SOLE |  | 0 | 0 | 229413 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 10257 | 177387 | SH |  | SOLE |  | 0 | 0 | 177387 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 369 | 6699 | SH |  | SOLE |  | 0 | 0 | 6699 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1491 | 9816 | SH |  | SOLE |  | 0 | 0 | 9816 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 17176 | 409255 | SH |  | SOLE |  | 0 | 0 | 409255 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 18922 | 174867 | SH |  | SOLE |  | 0 | 0 | 174867 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 2121 | 6642 | SH |  | SOLE |  | 0 | 0 | 6642 |
| VANGUARD WORLD FDS | CONSUM STP ETF | 92204A207 |  | 1616 | 8434 | SH |  | SOLE |  | 0 | 0 | 8434 |
| VANGUARD WORLD FDS | MATERIALS ETF | 92204A801 |  | 706 | 4147 | SH |  | SOLE |  | 0 | 0 | 4147 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 961 | 24389 | SH |  | SOLE |  | 0 | 0 | 24389 |
| VISA INC | COM CL A | 92826C839 |  | 541 | 2602 | SH |  | SOLE |  | 0 | 0 | 2602 |

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