# EDGAR Filing Document

**Accession Number:** 0002005378
**File Stem:** 0002005378-26-000001
**Filing Date:** 2026-2
**Character Count:** 9320
**Document Hash:** e4403acacbd0f78bdf95cbbc84ef1caa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002005378-26-000001.hdr.sgml**: 20260204

**ACCESSION NUMBER**: 0002005378-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260204

**DATE AS OF CHANGE**: 20260204

**EFFECTIVENESS DATE**: 20260204

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Urban Financial Advisory Corp
- **CENTRAL INDEX KEY:** 0002005378

**ORGANIZATION NAME:**
- **EIN:** 363694590
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 0630

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23921
- **FILM NUMBER:** 26598055

**BUSINESS ADDRESS:**
- **STREET 1:** 221 N LASALLE ST
- **STREET 2:** SUITE 764
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60601
- **BUSINESS PHONE:** 3123790150

**MAIL ADDRESS:**
- **STREET 1:** 221 N LASALLE ST
- **STREET 2:** SUITE 764
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60601

### 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:** Urban Financial Advisory Corp<br>**Address:** 221 N LASALLE ST<br>SUITE 764<br>CHICAGO, IL 60601

**Form 13F File Number:** 028-23921

**CRD Number (if applicable):** 000110057

**SEC File Number (if applicable):** 801-47160

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:** Steven D Urban<br>**Title:** President<br>**Phone:** 3123790150

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

Steven D Urban  Chicago, IL  02-04-2026<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:** 54

**Form 13F Information Table Value Total:** $254671068

      (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 |
| DBX ETF TR | XTRACKRS S 500 | 233051143 |  | 123989 | 1985 | SH |  | SOLE |  | 1985 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 58453 | 839 | SH |  | SOLE |  | 839 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | COM SHS ANNUAL | 33718M105 |  | 980877 | 12320 | SH |  | SOLE |  | 12320 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | INTL CORP BD | 46138E636 |  | 21696242 | 908572 | SH |  | SOLE |  | 908572 | 0 | 0 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 42334 | 958 | SH |  | SOLE |  | 958 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 52768 | 785 | SH |  | SOLE |  | 785 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 32374603 | 490524 | SH |  | SOLE |  | 490524 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 10587476 | 118349 | SH |  | SOLE |  | 118349 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 5287986 | 44001 | SH |  | SOLE |  | 44001 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 6111320 | 111704 | SH |  | SOLE |  | 111704 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 161682 | 236 | SH |  | SOLE |  | 236 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 2776712 | 28915 | SH |  | SOLE |  | 28915 | 0 | 0 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 419311 | 3681 | SH |  | SOLE |  | 3681 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 261920 | 3668 | SH |  | SOLE |  | 3668 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 598301 | 2431 | SH |  | SOLE |  | 2431 | 0 | 0 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 38 | 1 | SH |  | SOLE |  | 1 | 0 | 0 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 38 | 1 | SH |  | SOLE |  | 1 | 0 | 0 |
| ISHARES TR | MICRO-CAP ETF | 464288869 |  | 613103 | 3888 | SH |  | SOLE |  | 3888 | 0 | 0 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 78118 | 3131 | SH |  | SOLE |  | 3131 | 0 | 0 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 797178 | 10606 | SH |  | SOLE |  | 10606 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG MIDCP | 67092P409 |  | 21427 | 449 | SH |  | SOLE |  | 449 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG MIDVL | 67092P508 |  | 22683 | 580 | SH |  | SOLE |  | 580 | 0 | 0 |
| PROFESIONALLY MANAGED PORTFO | AKRE FOCUS ETF | 74316P579 |  | 28841819 | 440266 | SH |  | SOLE |  | 440266 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 21608532 | 794139 | SH |  | SOLE |  | 794139 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 203907 | 8482 | SH |  | SOLE |  | 8482 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET REA | 81369Y860 |  | 1151571 | 28540 | SH |  | SOLE |  | 28540 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 466313 | 9962 | SH |  | SOLE |  | 9962 | 0 | 0 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 559192 | 13686 | SH |  | SOLE |  | 13686 | 0 | 0 |
| SPDR INDEX SHS FDS | MSCI EAFE FS ETF | 78470E106 |  | 10 | 0 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR INDEX SHS FDS | MSCI EMR MKT ETF | 78470E205 |  | 26 | 1 | SH |  | SOLE |  | 1 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 410714 | 9248 | SH |  | SOLE |  | 9248 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 96613005 | 141678 | SH |  | SOLE |  | 141678 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 745821 | 1236 | SH |  | SOLE |  | 1236 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A607 |  | 465091 | 4735 | SH |  | SOLE |  | 4735 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A821 |  | 103689 | 1122 | SH |  | SOLE |  | 1122 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A839 |  | 235404 | 2781 | SH |  | SOLE |  | 2781 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 457280 | 4855 | SH |  | SOLE |  | 4855 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 |  | 125196 | 1376 | SH |  | SOLE |  | 1376 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 129634 | 2282 | SH |  | SOLE |  | 2282 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG INTL | 78464A151 |  | 29067 | 905 | SH |  | SOLE |  | 905 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R606 |  | 39230 | 1657 | SH |  | SOLE |  | 1657 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1968582 | 3139 | SH |  | SOLE |  | 3139 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 282255 | 897 | SH |  | SOLE |  | 897 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 576900 | 1988 | SH |  | SOLE |  | 1988 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 112028 | 1266 | SH |  | SOLE |  | 1266 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 43920 | 131 | SH |  | SOLE |  | 131 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 461729 | 1790 | SH |  | SOLE |  | 1790 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 1483435 | 32361 | SH |  | SOLE |  | 32361 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 261418 | 1853 | SH |  | SOLE |  | 1853 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 419683 | 7807 | SH |  | SOLE |  | 7807 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 12823032 | 160831 | SH |  | SOLE |  | 160831 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 168218 | 2009 | SH |  | SOLE |  | 2009 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 718254 | 11498 | SH |  | SOLE |  | 11498 | 0 | 0 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 99554 | 1390 | SH |  | SOLE |  | 1390 | 0 | 0 |

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