# EDGAR Filing Document

**Accession Number:** 0002048792
**File Stem:** 0002048792-26-000001
**Filing Date:** 2026-1
**Character Count:** 12943
**Document Hash:** 014af67f58d0f2bc156cffc91ad0ef7d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002048792-26-000001.hdr.sgml**: 20260109

**ACCESSION NUMBER**: 0002048792-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260109

**DATE AS OF CHANGE**: 20260109

**EFFECTIVENESS DATE**: 20260109

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Friday Financial
- **CENTRAL INDEX KEY:** 0002048792

**ORGANIZATION NAME:**
- **EIN:** 990492561
- **STATE OF INCORPORATION:** IA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24914
- **FILM NUMBER:** 26521670

**BUSINESS ADDRESS:**
- **STREET 1:** 600 STAR BREWERY DR.
- **CITY:** DUBUQUE
- **STATE:** IA
- **ZIP:** 52001
- **BUSINESS PHONE:** (563) 552-7526

**MAIL ADDRESS:**
- **STREET 1:** 600 STAR BREWERY DR.
- **CITY:** DUBUQUE
- **STATE:** IA
- **ZIP:** 52001

### 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:** Friday Financial<br>**Address:** 600 STAR BREWERY DR.<br>DUBUQUE, IA 52001

**Form 13F File Number:** 028-24914

**CRD Number (if applicable):** 000329748

**SEC File Number (if applicable):** 801-129486

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:** BRIAN GRIFFIN<br>**Title:** CHIEF COMPLIANCE OFFICER<br>**Phone:** 563-552-7526

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

BRIAN GRIFFIN  DUBUQUE, IA  01-09-2026<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:** 90

**Form 13F Information Table Value Total:** $283647597

      (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 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 513063 | 1635 | SH |  | SOLE |  | 0 | 0 | 1635 |
| ALPS ETF TR | INTL SEC DV DOG | 00162Q718 |  | 441281 | 11444 | SH |  | SOLE |  | 0 | 0 | 11444 |
| AMAZON COM INC | COM | 023135106 |  | 431172 | 1868 | SH |  | SOLE |  | 0 | 0 | 1868 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 3065927 | 30064 | SH |  | SOLE |  | 0 | 0 | 30064 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 10827652 | 115225 | SH |  | SOLE |  | 0 | 0 | 115225 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 945189 | 12272 | SH |  | SOLE |  | 0 | 0 | 12272 |
| APPLE INC | COM | 037833100 |  | 4958949 | 18241 | SH |  | SOLE |  | 0 | 0 | 18241 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 605693 | 1205 | SH |  | SOLE |  | 0 | 0 | 1205 |
| BROADCOM INC | COM | 11135F101 |  | 652745 | 1886 | SH |  | SOLE |  | 0 | 0 | 1886 |
| CAMBIUM NETWORKS CORP | SHS | G17766109 |  | 76588 | 53186 | SH |  | SOLE |  | 0 | 0 | 53186 |
| CATERPILLAR INC | COM | 149123101 |  | 514437 | 898 | SH |  | SOLE |  | 0 | 0 | 898 |
| CISCO SYS INC | COM | 17275R102 |  | 253429 | 3290 | SH |  | SOLE |  | 0 | 0 | 3290 |
| DEERE  CO | COM | 244199105 |  | 1368883 | 2940 | SH |  | SOLE |  | 0 | 0 | 2940 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 280519 | 5994 | SH |  | SOLE |  | 0 | 0 | 5994 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 519882 | 15962 | SH |  | SOLE |  | 0 | 0 | 15962 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 9588957 | 199978 | SH |  | SOLE |  | 0 | 0 | 199978 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 731317 | 15182 | SH |  | SOLE |  | 0 | 0 | 15182 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 3430782 | 90213 | SH |  | SOLE |  | 0 | 0 | 90213 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 750583 | 22821 | SH |  | SOLE |  | 0 | 0 | 22821 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 3186462 | 100630 | SH |  | SOLE |  | 0 | 0 | 100630 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 838470 | 22065 | SH |  | SOLE |  | 0 | 0 | 22065 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 9163512 | 277011 | SH |  | SOLE |  | 0 | 0 | 277011 |
| DISNEY WALT CO | COM | 254687106 |  | 302078 | 2655 | SH |  | SOLE |  | 0 | 0 | 2655 |
| EA SERIES TRUST | EA BRIDGEWAY OMN | 02072L532 |  | 16593409 | 712163 | SH |  | SOLE |  | 0 | 0 | 712163 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 1607122 | 31429 | SH |  | SOLE |  | 0 | 0 | 31429 |
| GOLDMAN SACHS PHYSICAL GOLD | UNIT | 38150K103 |  | 284149 | 6678 | SH |  | SOLE |  | 0 | 0 | 6678 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 511851 | 1728 | SH |  | SOLE |  | 0 | 0 | 1728 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 607860 | 990 | SH |  | SOLE |  | 0 | 0 | 990 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 2284595 | 46014 | SH |  | SOLE |  | 0 | 0 | 46014 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 1454506 | 21638 | SH |  | SOLE |  | 0 | 0 | 21638 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 481406 | 10592 | SH |  | SOLE |  | 0 | 0 | 10592 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 487853 | 3568 | SH |  | SOLE |  | 0 | 0 | 3568 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 11976405 | 145204 | SH |  | SOLE |  | 0 | 0 | 145204 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 612669 | 5720 | SH |  | SOLE |  | 0 | 0 | 5720 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 66120029 | 444684 | SH |  | SOLE |  | 0 | 0 | 444684 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 717797 | 2222 | SH |  | SOLE |  | 0 | 0 | 2222 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 226881 | 1724 | SH |  | SOLE |  | 0 | 0 | 1724 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 449317 | 4638 | SH |  | SOLE |  | 0 | 0 | 4638 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 339312 | 1600 | SH |  | SOLE |  | 0 | 0 | 1600 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 1447540 | 11744 | SH |  | SOLE |  | 0 | 0 | 11744 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 3555903 | 7513 | SH |  | SOLE |  | 0 | 0 | 7513 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 442696 | 2443 | SH |  | SOLE |  | 0 | 0 | 2443 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 1546190 | 11291 | SH |  | SOLE |  | 0 | 0 | 11291 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 941791 | 6677 | SH |  | SOLE |  | 0 | 0 | 6677 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 805824 | 14729 | SH |  | SOLE |  | 0 | 0 | 14729 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 546358 | 7651 | SH |  | SOLE |  | 0 | 0 | 7651 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 982326 | 19452 | SH |  | SOLE |  | 0 | 0 | 19452 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 207209 | 3620 | SH |  | SOLE |  | 0 | 0 | 3620 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 762839 | 2367 | SH |  | SOLE |  | 0 | 0 | 2367 |
| MICROSOFT CORP | COM | 594918104 |  | 405544 | 839 | SH |  | SOLE |  | 0 | 0 | 839 |
| NEW YORK LIFE INVTS ACTIVE E | NYLI MACKAY MUN | 45409F827 |  | 342639 | 14083 | SH |  | SOLE |  | 0 | 0 | 14083 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 880347 | 4720 | SH |  | SOLE |  | 0 | 0 | 4720 |
| ORACLE CORP | COM | 68389X105 |  | 202901 | 1041 | SH |  | SOLE |  | 0 | 0 | 1041 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 538670 | 10278 | SH |  | SOLE |  | 0 | 0 | 10278 |
| QUANTA SVCS INC | COM | 74762E102 |  | 763507 | 1809 | SH |  | SOLE |  | 0 | 0 | 1809 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 8930495 | 325574 | SH |  | SOLE |  | 0 | 0 | 325574 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 4576783 | 190382 | SH |  | SOLE |  | 0 | 0 | 190382 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 20411304 | 625730 | SH |  | SOLE |  | 0 | 0 | 625730 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 9186969 | 310266 | SH |  | SOLE |  | 0 | 0 | 310266 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 205852 | 2650 | SH |  | SOLE |  | 0 | 0 | 2650 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 9334710 | 259875 | SH |  | SOLE |  | 0 | 0 | 259875 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 264682 | 1902 | SH |  | SOLE |  | 0 | 0 | 1902 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A839 |  | 524491 | 6196 | SH |  | SOLE |  | 0 | 0 | 6196 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A284 |  | 2153220 | 86336 | SH |  | SOLE |  | 0 | 0 | 86336 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 3201244 | 56350 | SH |  | SOLE |  | 0 | 0 | 56350 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 1171253 | 14197 | SH |  | SOLE |  | 0 | 0 | 14197 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 |  | 440113 | 4838 | SH |  | SOLE |  | 0 | 0 | 4838 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 1175397 | 12479 | SH |  | SOLE |  | 0 | 0 | 12479 |
| TESLA INC | COM | 88160R101 |  | 2002153 | 4452 | SH |  | SOLE |  | 0 | 0 | 4452 |
| UMB FINL CORP | COM | 902788108 |  | 2979543 | 25900 | SH |  | SOLE |  | 0 | 0 | 25900 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 1272377 | 24890 | SH |  | SOLE |  | 0 | 0 | 24890 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 242440 | 3113 | SH |  | SOLE |  | 0 | 0 | 3113 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 1161502 | 4161 | SH |  | SOLE |  | 0 | 0 | 4161 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 1179865 | 6652 | SH |  | SOLE |  | 0 | 0 | 6652 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 5547713 | 16547 | SH |  | SOLE |  | 0 | 0 | 16547 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 1286989 | 4260 | SH |  | SOLE |  | 0 | 0 | 4260 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1382142 | 6526 | SH |  | SOLE |  | 0 | 0 | 6526 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1576673 | 29328 | SH |  | SOLE |  | 0 | 0 | 29328 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 6034987 | 122018 | SH |  | SOLE |  | 0 | 0 | 122018 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 13282931 | 221641 | SH |  | SOLE |  | 0 | 0 | 221641 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 4029007 | 18332 | SH |  | SOLE |  | 0 | 0 | 18332 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 3383192 | 44846 | SH |  | SOLE |  | 0 | 0 | 44846 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 545716 | 6064 | SH |  | SOLE |  | 0 | 0 | 6064 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 343303 | 3754 | SH |  | SOLE |  | 0 | 0 | 3754 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 502176 | 3499 | SH |  | SOLE |  | 0 | 0 | 3499 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 519354 | 689 | SH |  | SOLE |  | 0 | 0 | 689 |
| WALMART INC | COM | 931142103 |  | 729178 | 6545 | SH |  | SOLE |  | 0 | 0 | 6545 |
| WISDOMTREE TR | US HIGH DIVIDEND | 97717W208 |  | 280389 | 2754 | SH |  | SOLE |  | 0 | 0 | 2754 |
| WISDOMTREE TR | US MIDCAP DIVID | 97717W505 |  | 740460 | 14350 | SH |  | SOLE |  | 0 | 0 | 14350 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 473979 | 5300 | SH |  | SOLE |  | 0 | 0 | 5300 |

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