# EDGAR Filing Document

**Accession Number:** 0001908169
**File Stem:** 0001172661-26-000333
**Filing Date:** 2026-1
**Character Count:** 9786
**Document Hash:** da3edd7eaab57e195201a45c3fadca4b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-000333.hdr.sgml**: 20260127

**ACCESSION NUMBER**: 0001172661-26-000333

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260127

**DATE AS OF CHANGE**: 20260127

**EFFECTIVENESS DATE**: 20260127

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Darrow Company, Inc.
- **CENTRAL INDEX KEY:** 0001908169

**ORGANIZATION NAME:**
- **EIN:** 042977234
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21569
- **FILM NUMBER:** 26564739

**BUSINESS ADDRESS:**
- **STREET 1:** 200 RESERVOIR STREET
- **STREET 2:** SUITE 303
- **CITY:** NEEDHAM
- **STATE:** MA
- **ZIP:** 02494
- **BUSINESS PHONE:** 978-369-5144

**MAIL ADDRESS:**
- **STREET 1:** 200 RESERVOIR STREET
- **STREET 2:** SUITE 303
- **CITY:** NEEDHAM
- **STATE:** MA
- **ZIP:** 02494

### 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:** Darrow Company Inc.<br>**Address:** 200 Reservoir Street<br>Suite 303<br>Needham, MA 02494

**Form 13F File Number:** 028-21569

**CRD Number (if applicable):** 000105679

**SEC File Number (if applicable):** 801-34359

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:** Michelle Wells<br>**Title:** Wealth Advisor<br>**Phone:** 978-369-5144

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

/s/ Michelle Wells  Needham, MA  01-27-2026<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:** 59

**Form 13F Information Table Value Total:** $222502278

      (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 A | 02079K305 |  | 713640 | 2280 | SH |  | SOLE |  | 0 | 0 | 2280 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 535216 | 1705 | SH |  | SOLE |  | 0 | 0 | 1705 |
| AMAZON COM INC | COM | 023135106 |  | 545889 | 2365 | SH |  | SOLE |  | 0 | 0 | 2365 |
| APPLE INC | COM | 037833100 |  | 1193790 | 4391 | SH |  | SOLE |  | 0 | 0 | 4391 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 |  | 418777 | 4392 | SH |  | SOLE |  | 0 | 0 | 4392 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 749013 | 19654 | SH |  | SOLE |  | 0 | 0 | 19654 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 408330 | 3393 | SH |  | SOLE |  | 0 | 0 | 3393 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 270696 | 2045 | SH |  | SOLE |  | 0 | 0 | 2045 |
| HOME DEPOT INC | COM | 437076102 |  | 209212 | 608 | SH |  | SOLE |  | 0 | 0 | 608 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 5871259 | 49206 | SH |  | SOLE |  | 0 | 0 | 49206 |
| INVESCO EXCHANGE TRADED FD T | S 500 GARP ETF | 46137V431 |  | 12285566 | 107900 | SH |  | SOLE |  | 0 | 0 | 107900 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 500110 | 8436 | SH |  | SOLE |  | 0 | 0 | 8436 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 5271151 | 27516 | SH |  | SOLE |  | 0 | 0 | 27516 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 28418149 | 46260 | SH |  | SOLE |  | 0 | 0 | 46260 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 2582606 | 38420 | SH |  | SOLE |  | 0 | 0 | 38420 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 230819 | 2787 | SH |  | SOLE |  | 0 | 0 | 2787 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 229548 | 3478 | SH |  | SOLE |  | 0 | 0 | 3478 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3194525 | 4663 | SH |  | SOLE |  | 0 | 0 | 4663 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 242635 | 1915 | SH |  | SOLE |  | 0 | 0 | 1915 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 9194652 | 222307 | SH |  | SOLE |  | 0 | 0 | 222307 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 6079299 | 75397 | SH |  | SOLE |  | 0 | 0 | 75397 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 7074463 | 131300 | SH |  | SOLE |  | 0 | 0 | 131300 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 16459758 | 174806 | SH |  | SOLE |  | 0 | 0 | 174806 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 1945363 | 20080 | SH |  | SOLE |  | 0 | 0 | 20080 |
| ISHARES TR | U.S. FINLS ETF | 464287788 |  | 264822 | 2054 | SH |  | SOLE |  | 0 | 0 | 2054 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 713337 | 13959 | SH |  | SOLE |  | 0 | 0 | 13959 |
| META PLATFORMS INC | CL A | 30303M102 |  | 216509 | 328 | SH |  | SOLE |  | 0 | 0 | 328 |
| MICROSOFT CORP | COM | 594918104 |  | 1097405 | 2269 | SH |  | SOLE |  | 0 | 0 | 2269 |
| NETFLIX INC | COM | 64110L106 |  | 616940 | 6580 | SH |  | SOLE |  | 0 | 0 | 6580 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 206642 | 1108 | SH |  | SOLE |  | 0 | 0 | 1108 |
| RTX CORPORATION | COM | 75513E101 |  | 266663 | 1454 | SH |  | SOLE |  | 0 | 0 | 1454 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 7738698 | 284406 | SH |  | SOLE |  | 0 | 0 | 284406 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 548472 | 22815 | SH |  | SOLE |  | 0 | 0 | 22815 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 9382563 | 374105 | SH |  | SOLE |  | 0 | 0 | 374105 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 900499 | 32829 | SH |  | SOLE |  | 0 | 0 | 32829 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 250801 | 9320 | SH |  | SOLE |  | 0 | 0 | 9320 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 7072855 | 10371 | SH |  | SOLE |  | 0 | 0 | 10371 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 1015756 | 1683 | SH |  | SOLE |  | 0 | 0 | 1683 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 516581 | 9093 | SH |  | SOLE |  | 0 | 0 | 9093 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 819820 | 9937 | SH |  | SOLE |  | 0 | 0 | 9937 |
| VANECK ETF TRUST | FALLEN ANGEL HG | 92189F437 |  | 3276536 | 111579 | SH |  | SOLE |  | 0 | 0 | 111579 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 7706849 | 74419 | SH |  | SOLE |  | 0 | 0 | 74419 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 18235093 | 234143 | SH |  | SOLE |  | 0 | 0 | 234143 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 5785474 | 73410 | SH |  | SOLE |  | 0 | 0 | 73410 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 10508755 | 141876 | SH |  | SOLE |  | 0 | 0 | 141876 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1883273 | 3003 | SH |  | SOLE |  | 0 | 0 | 3003 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 440673 | 1314 | SH |  | SOLE |  | 0 | 0 | 1314 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 482817 | 5764 | SH |  | SOLE |  | 0 | 0 | 5764 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 440262 | 5521 | SH |  | SOLE |  | 0 | 0 | 5521 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 9578803 | 78676 | SH |  | SOLE |  | 0 | 0 | 78676 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1579205 | 7185 | SH |  | SOLE |  | 0 | 0 | 7185 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 6872444 | 47884 | SH |  | SOLE |  | 0 | 0 | 47884 |
| VANGUARD WORLD FD | CONSUM DIS ETF | 92204A108 |  | 686208 | 1742 | SH |  | SOLE |  | 0 | 0 | 1742 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 2534962 | 3363 | SH |  | SOLE |  | 0 | 0 | 3363 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 260548 | 1845 | SH |  | SOLE |  | 0 | 0 | 1845 |
| VICTORY PORTFOLIOS II | SHORT TRM BD ETF | 92647N535 |  | 5106550 | 100443 | SH |  | SOLE |  | 0 | 0 | 100443 |
| VISA INC | COM CL A | 92826C839 |  | 225857 | 644 | SH |  | SOLE |  | 0 | 0 | 644 |
| WALMART INC | COM | 931142103 |  | 345816 | 3104 | SH |  | SOLE |  | 0 | 0 | 3104 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 10299324 | 115166 | SH |  | SOLE |  | 0 | 0 | 115166 |

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