# EDGAR Filing Document

**Accession Number:** 0001664656
**File Stem:** 0001664656-25-000009
**Filing Date:** 2025-11
**Character Count:** 14744
**Document Hash:** 68e42e6b7942e57b1a19a446ae32c2c2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001664656-25-000009.hdr.sgml**: 20251110

**ACCESSION NUMBER**: 0001664656-25-000009

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251110

**DATE AS OF CHANGE**: 20251110

**EFFECTIVENESS DATE**: 20251110

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Curtis Advisory Group, LLC
- **CENTRAL INDEX KEY:** 0001664656

**ORGANIZATION NAME:**
- **EIN:** 900512439
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19800
- **FILM NUMBER:** 251465582

**BUSINESS ADDRESS:**
- **STREET 1:** 735 STATE STREET
- **STREET 2:** SUITE 214
- **CITY:** SANTA BARBARA
- **STATE:** CA
- **ZIP:** 93101
- **BUSINESS PHONE:** 805-963-6181

**MAIL ADDRESS:**
- **STREET 1:** 735 STATE STREET
- **STREET 2:** SUITE 214
- **CITY:** SANTA BARBARA
- **STATE:** CA
- **ZIP:** 93101

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** Curtis Advisory Group LLC<br>**Address:** 735 STATE STREET<br>SUITE 214<br>SANTA BARBARA, CA 93101

**Form 13F File Number:** 028-19800

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:** Joshua D Hayes<br>**Title:** CCO<br>**Phone:** 8056953690

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

Joshua D. Hayes  Santa Barbara, X1  11-10-2025<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:** 107

**Form 13F Information Table Value Total:** $441119242

      (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 |
| 2023 ETF SERIES TRUST | BRANDES INTERNAT | 900934209 |  | 1958997 | 50989 | SH |  | SOLE | 0 | 0 | 0 | 50989 |
| 3M CO | COM | 88579Y101 |  | 481058 | 3100 | SH |  | SOLE | 0 | 0 | 0 | 3100 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3615987 | 14847 | SH |  | SOLE | 0 | 0 | 0 | 14847 |
| AMAZON COM INC | COM | 023135106 |  | 21688466 | 98777 | SH |  | SOLE | 0 | 0 | 0 | 98777 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 1197988 | 13456 | SH |  | SOLE | 0 | 0 | 0 | 13456 |
| APPLE INC | COM | 037833100 |  | 3527899 | 13855 | SH |  | SOLE | 0 | 0 | 0 | 13855 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 6164095 | 12261 | SH |  | SOLE | 0 | 0 | 0 | 12261 |
| BROADCOM INC | COM | 11135F101 |  | 1377704 | 4176 | SH |  | SOLE | 0 | 0 | 0 | 4176 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 2057621 | 48956 | SH |  | SOLE | 0 | 0 | 0 | 48956 |
| COCA COLA CO | COM | 191216100 |  | 411184 | 6200 | SH |  | SOLE | 0 | 0 | 0 | 6200 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 2678773 | 2894 | SH |  | SOLE | 0 | 0 | 0 | 2894 |
| DBX ETF TR | XTRACK MSCI EAFE | 233051200 |  | 1494538 | 32196 | SH |  | SOLE | 0 | 0 | 0 | 32196 |
| DBX ETF TR | XTRACK MSCI EMRG | 233051101 |  | 487689 | 15806 | SH |  | SOLE | 0 | 0 | 0 | 15806 |
| ETFS GOLD TR | PHYSCL GOLD SHS | 00326A104 |  | 359266 | 9760 | SH |  | SOLE | 0 | 0 | 0 | 9760 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 1104119 | 23878 | SH |  | SOLE | 0 | 0 | 0 | 23878 |
| FIRST TR EXCHANGE-TRADED FD | SENIOR LN FD | 33738D309 |  | 797387 | 17395 | SH |  | SOLE | 0 | 0 | 0 | 17395 |
| GLOBAL X FDS | S 500 COVERED | 37954Y475 |  | 906553 | 23091 | SH |  | SOLE | 0 | 0 | 0 | 23091 |
| GLOBAL X FDS | NASDAQ 100 COVER | 37954Y483 |  | 1088946 | 64018 | SH |  | SOLE | 0 | 0 | 0 | 64018 |
| GLOBAL X FDS | ARTIFICIAL ETF | 37954Y632 |  | 7083563 | 143421 | SH |  | SOLE | 0 | 0 | 0 | 143421 |
| GLOBAL X FDS | 1-3 MONTH T-BILL | 37960A438 |  | 8827822 | 87909 | SH |  | SOLE | 0 | 0 | 0 | 87909 |
| HOME DEPOT INC | COM | 437076102 |  | 1556335 | 3841 | SH |  | SOLE | 0 | 0 | 0 | 3841 |
| INNOVATOR ETFS TRUST | LADDERED ALC BFR | 45783Y756 |  | 828346 | 23177 | SH |  | SOLE | 0 | 0 | 0 | 23177 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 262023 | 12519 | SH |  | SOLE | 0 | 0 | 0 | 12519 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 525709 | 7173 | SH |  | SOLE | 0 | 0 | 0 | 7173 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 2068764 | 35966 | SH |  | SOLE | 0 | 0 | 0 | 35966 |
| INVESCO EXCHANGE TRADED FD T | BUYBACK ACHIEV | 46137V308 |  | 10341389 | 78060 | SH |  | SOLE | 0 | 0 | 0 | 78060 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 12292576 | 20475 | SH |  | SOLE | 0 | 0 | 0 | 20475 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 222962 | 5135 | SH |  | SOLE | 0 | 0 | 0 | 5135 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 582055 | 6260 | SH |  | SOLE | 0 | 0 | 0 | 6260 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 244329 | 5087 | SH |  | SOLE | 0 | 0 | 0 | 5087 |
| ISHARES TR | ESG ADVNCD HY BD | 46435G441 |  | 245023 | 5160 | SH |  | SOLE | 0 | 0 | 0 | 5160 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 653746 | 12761 | SH |  | SOLE | 0 | 0 | 0 | 12761 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 306360 | 4500 | SH |  | SOLE | 0 | 0 | 0 | 4500 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 8493641 | 196158 | SH |  | SOLE | 0 | 0 | 0 | 196158 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 233857 | 5904 | SH |  | SOLE | 0 | 0 | 0 | 5904 |
| ISHARES TR | ESG SELECT SCRE | 46436E569 |  | 325923 | 6326 | SH |  | SOLE | 0 | 0 | 0 | 6326 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 362830 | 6331 | SH |  | SOLE | 0 | 0 | 0 | 6331 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 521985 | 1631 | SH |  | SOLE | 0 | 0 | 0 | 1631 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 310859 | 2616 | SH |  | SOLE | 0 | 0 | 0 | 2616 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 405586 | 1964 | SH |  | SOLE | 0 | 0 | 0 | 1964 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 625209 | 5179 | SH |  | SOLE | 0 | 0 | 0 | 5179 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 23700609 | 50598 | SH |  | SOLE | 0 | 0 | 0 | 50598 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 624139 | 3530 | SH |  | SOLE | 0 | 0 | 0 | 3530 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 633496 | 11946 | SH |  | SOLE | 0 | 0 | 0 | 11946 |
| ISHARES TR | S 100 ETF | 464287101 |  | 2113201 | 6349 | SH |  | SOLE | 0 | 0 | 0 | 6349 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 1517948 | 26612 | SH |  | SOLE | 0 | 0 | 0 | 26612 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 207260 | 1941 | SH |  | SOLE | 0 | 0 | 0 | 1941 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 5181324 | 54460 | SH |  | SOLE | 0 | 0 | 0 | 54460 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 13547832 | 237265 | SH |  | SOLE | 0 | 0 | 0 | 237265 |
| J P MORGAN EXCHANGE TRADED F | HEDGED EQUITY LA | 46654Q724 |  | 9439105 | 145217 | SH |  | SOLE | 0 | 0 | 0 | 145217 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 5567468 | 109639 | SH |  | SOLE | 0 | 0 | 0 | 109639 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1198634 | 3800 | SH |  | SOLE | 0 | 0 | 0 | 3800 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 943507 | 1890 | SH |  | SOLE | 0 | 0 | 0 | 1890 |
| MERCK  CO INC | COM | 58933Y105 |  | 553938 | 6600 | SH |  | SOLE | 0 | 0 | 0 | 6600 |
| META PLATFORMS INC | CL A | 30303M102 |  | 676364 | 921 | SH |  | SOLE | 0 | 0 | 0 | 921 |
| MICROSOFT CORP | COM | 594918104 |  | 2497609 | 4822 | SH |  | SOLE | 0 | 0 | 0 | 4822 |
| NETFLIX INC | COM | 64110L106 |  | 734938 | 613 | SH |  | SOLE | 0 | 0 | 0 | 613 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 1172197 | 26746 | SH |  | SOLE | 0 | 0 | 0 | 26746 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 347067 | 7870 | SH |  | SOLE | 0 | 0 | 0 | 7870 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 1227014 | 12338 | SH |  | SOLE | 0 | 0 | 0 | 12338 |
| NUSHARES ETF TR | NUVEEN ESG INTL | 67092P805 |  | 243364 | 6469 | SH |  | SOLE | 0 | 0 | 0 | 6469 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 51914969 | 278245 | SH |  | SOLE | 0 | 0 | 0 | 278245 |
| ORACLE CORP | COM | 68389X105 |  | 253116 | 900 | SH |  | SOLE | 0 | 0 | 0 | 900 |
| PACER FDS TR | TRENDP US LAR CP | 69374H105 |  | 4388904 | 80148 | SH |  | SOLE | 0 | 0 | 0 | 80148 |
| PIMCO ETF TR | 0-5 HIGH YIELD | 72201R783 |  | 1062622 | 11106 | SH |  | SOLE | 0 | 0 | 0 | 11106 |
| QUALCOMM INC | COM | 747525103 |  | 682076 | 4100 | SH |  | SOLE | 0 | 0 | 0 | 4100 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 6210303 | 264606 | SH |  | SOLE | 0 | 0 | 0 | 264606 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 8078398 | 295912 | SH |  | SOLE | 0 | 0 | 0 | 295912 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 418517 | 14120 | SH |  | SOLE | 0 | 0 | 0 | 14120 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 1984580 | 46196 | SH |  | SOLE | 0 | 0 | 0 | 46196 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 278386 | 10585 | SH |  | SOLE | 0 | 0 | 0 | 10585 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 4397057 | 188877 | SH |  | SOLE | 0 | 0 | 0 | 188877 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 364546 | 13840 | SH |  | SOLE | 0 | 0 | 0 | 13840 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 428070 | 15343 | SH |  | SOLE | 0 | 0 | 0 | 15343 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 37214942 | 1166247 | SH |  | SOLE | 0 | 0 | 0 | 1166247 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 5888924 | 202299 | SH |  | SOLE | 0 | 0 | 0 | 202299 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 539192 | 16158 | SH |  | SOLE | 0 | 0 | 0 | 16158 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 208519 | 2391 | SH |  | SOLE | 0 | 0 | 0 | 2391 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 224620 | 1614 | SH |  | SOLE | 0 | 0 | 0 | 1614 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 5981782 | 12899 | SH |  | SOLE | 0 | 0 | 0 | 12899 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 738989 | 15787 | SH |  | SOLE | 0 | 0 | 0 | 15787 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 42371713 | 63604 | SH |  | SOLE | 0 | 0 | 0 | 63604 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 21816672 | 278487 | SH |  | SOLE | 0 | 0 | 0 | 278487 |
| SSGA ACTIVE ETF TR | BLACKSTONE SENR | 78467V608 |  | 5288976 | 127200 | SH |  | SOLE | 0 | 0 | 0 | 127200 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 447568 | 11032 | SH |  | SOLE | 0 | 0 | 0 | 11032 |
| TESLA INC | COM | 88160R101 |  | 652849 | 1468 | SH |  | SOLE | 0 | 0 | 0 | 1468 |
| VANECK ETF TRUST | SHRT HGH YLD MUN | 92189F387 |  | 492602 | 21511 | SH |  | SOLE | 0 | 0 | 0 | 21511 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 657620 | 13296 | SH |  | SOLE | 0 | 0 | 0 | 13296 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 513951 | 839 | SH |  | SOLE | 0 | 0 | 0 | 839 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 896644 | 4808 | SH |  | SOLE | 0 | 0 | 0 | 4808 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1964379 | 9412 | SH |  | SOLE | 0 | 0 | 0 | 9412 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1661369 | 3464 | SH |  | SOLE | 0 | 0 | 0 | 3464 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 2308341 | 7756 | SH |  | SOLE | 0 | 0 | 0 | 7756 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2439873 | 7435 | SH |  | SOLE | 0 | 0 | 0 | 7435 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 3717250 | 17757 | SH |  | SOLE | 0 | 0 | 0 | 17757 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 207943 | 3838 | SH |  | SOLE | 0 | 0 | 0 | 3838 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 3006106 | 30731 | SH |  | SOLE | 0 | 0 | 0 | 30731 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 6089588 | 50536 | SH |  | SOLE | 0 | 0 | 0 | 50536 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 5665164 | 63390 | SH |  | SOLE | 0 | 0 | 0 | 63390 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 8295215 | 103781 | SH |  | SOLE | 0 | 0 | 0 | 103781 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 404606 | 1875 | SH |  | SOLE | 0 | 0 | 0 | 1875 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 699386 | 11672 | SH |  | SOLE | 0 | 0 | 0 | 11672 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 1124076 | 7975 | SH |  | SOLE | 0 | 0 | 0 | 7975 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 265553 | 1402 | SH |  | SOLE | 0 | 0 | 0 | 1402 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 16586385 | 22215 | SH |  | SOLE | 0 | 0 | 0 | 22215 |
| VISA INC | COM CL A | 92826C839 |  | 836381 | 2450 | SH |  | SOLE | 0 | 0 | 0 | 2450 |
| WALMART INC | COM | 931142103 |  | 604344 | 5864 | SH |  | SOLE | 0 | 0 | 0 | 5864 |

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