# EDGAR Filing Document

**Accession Number:** 0002049857
**File Stem:** 0001085146-25-004055
**Filing Date:** 2025-7
**Character Count:** 8042
**Document Hash:** a807c6b066932531ab0c70abced591ac
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-25-004055.hdr.sgml**: 20250723

**ACCESSION NUMBER**: 0001085146-25-004055

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250723

**DATE AS OF CHANGE**: 20250723

**EFFECTIVENESS DATE**: 20250723

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PENNEY FINANCIAL, LLC
- **CENTRAL INDEX KEY:** 0002049857

**ORGANIZATION NAME:**
- **EIN:** 475246323
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24529
- **FILM NUMBER:** 251142582

**BUSINESS ADDRESS:**
- **STREET 1:** 800 TOWN AND COUNTRY BLVD
- **STREET 2:** SUITE 500
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77024
- **BUSINESS PHONE:** 713-300-5165

**MAIL ADDRESS:**
- **STREET 1:** 800 TOWN AND COUNTRY BLVD
- **STREET 2:** SUITE 500
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77024

### 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:** Penney Financial LLC<br>**Address:** 800 TOWN AND COUNTRY BLVD<br>SUITE 500<br>HOUSTON, TX 77024

**Form 13F File Number:** 028-24529

**CRD Number (if applicable):** 000282084

**SEC File Number (if applicable):** 801-122353

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:** Cameron J. Penney<br>**Title:** CCO<br>**Phone:** 713-300-5165

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

/s/ Cameron J. Penney  Houston, TX  07-23-2025<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:** 0

**Form 13F Information Table Entry Total:** 42

**Form 13F Information Table Value Total:** $196725049

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 627236 | 2859 | SH |  | SOLE |  | 0 | 0 | 2859 |
| APPLE INC | COM | 037833100 |  | 1632843 | 7958 | SH |  | SOLE |  | 0 | 0 | 7958 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528108 |  | 609063 | 27300 | SH |  | SOLE |  | 0 | 0 | 27300 |
| BROADCOM INC | COM | 11135F101 |  | 275650 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| CHENIERE ENERGY INC | COM NEW | 16411R208 |  | 663592 | 2725 | SH |  | SOLE |  | 0 | 0 | 2725 |
| CHEVRON CORP NEW | COM | 166764100 |  | 763873 | 5335 | SH |  | SOLE |  | 0 | 0 | 5335 |
| EQUINOR ASA | SPONSORED ADR | 29446M102 |  | 334287 | 13297 | SH |  | SOLE |  | 0 | 0 | 13297 |
| FEDEX CORP | COM | 31428X106 |  | 261861 | 1152 | SH |  | SOLE |  | 0 | 0 | 1152 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 51926342 | 427800 | SH |  | SOLE |  | 0 | 0 | 427800 |
| GRANITE CONSTR INC | COM | 387328107 |  | 341031 | 3647 | SH |  | SOLE |  | 0 | 0 | 3647 |
| INSPERITY INC | COM | 45778Q107 |  | 419397 | 6976 | SH |  | SOLE |  | 0 | 0 | 6976 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 8051777 | 79966 | SH |  | SOLE |  | 0 | 0 | 79966 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 8519718 | 102057 | SH |  | SOLE |  | 0 | 0 | 102057 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 258934 | 4175 | SH |  | SOLE |  | 0 | 0 | 4175 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1151149 | 1854 | SH |  | SOLE |  | 0 | 0 | 1854 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 3984469 | 40166 | SH |  | SOLE |  | 0 | 0 | 40166 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 808177 | 2380 | SH |  | SOLE |  | 0 | 0 | 2380 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 468312 | 1103 | SH |  | SOLE |  | 0 | 0 | 1103 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 475385 | 2203 | SH |  | SOLE |  | 0 | 0 | 2203 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 2467620 | 23205 | SH |  | SOLE |  | 0 | 0 | 23205 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 4907515 | 86324 | SH |  | SOLE |  | 0 | 0 | 86324 |
| J P MORGAN EXCHANGE TRADED F | HEDGED EQUITY LA | 46654Q724 |  | 3579451 | 57198 | SH |  | SOLE |  | 0 | 0 | 57198 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 7899644 | 170545 | SH |  | SOLE |  | 0 | 0 | 170545 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 717177 | 11943 | SH |  | SOLE |  | 0 | 0 | 11943 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 202357 | 698 | SH |  | SOLE |  | 0 | 0 | 698 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 275801 | 9381 | SH |  | SOLE |  | 0 | 0 | 9381 |
| MICROSOFT CORP | COM | 594918104 |  | 863504 | 1736 | SH |  | SOLE |  | 0 | 0 | 1736 |
| MORGAN STANLEY ETF TRUST | EATON VANCE TOTA | 61774R841 |  | 5753951 | 113122 | SH |  | SOLE |  | 0 | 0 | 113122 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 2484223 | 104248 | SH |  | SOLE |  | 0 | 0 | 104248 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 7854710 | 296404 | SH |  | SOLE |  | 0 | 0 | 296404 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 239905 | 9816 | SH |  | SOLE |  | 0 | 0 | 9816 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 213596 | 6540 | SH |  | SOLE |  | 0 | 0 | 6540 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 309291 | 3930 | SH |  | SOLE |  | 0 | 0 | 3930 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 524193 | 923 | SH |  | SOLE |  | 0 | 0 | 923 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 5512227 | 23260 | SH |  | SOLE |  | 0 | 0 | 23260 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 34982737 | 115101 | SH |  | SOLE |  | 0 | 0 | 115101 |
| VANGUARD MALVERN FDS | CORE BD ETF | 922020748 |  | 5727576 | 73828 | SH |  | SOLE |  | 0 | 0 | 73828 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 2673704 | 54532 | SH |  | SOLE |  | 0 | 0 | 54532 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 2601169 | 37649 | SH |  | SOLE |  | 0 | 0 | 37649 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 17561826 | 308048 | SH |  | SOLE |  | 0 | 0 | 308048 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 7570769 | 56791 | SH |  | SOLE |  | 0 | 0 | 56791 |
| VISA INC | COM CL A | 92826C839 |  | 229007 | 645 | SH |  | SOLE |  | 0 | 0 | 645 |

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