# EDGAR Filing Document

**Accession Number:** 0001716539
**File Stem:** 0001716539-26-000002
**Filing Date:** 2026-1
**Character Count:** 15744
**Document Hash:** 0bb3e72c19bde0a89eeff1bfba137690
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001716539-26-000002.hdr.sgml**: 20260112

**ACCESSION NUMBER**: 0001716539-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260112

**DATE AS OF CHANGE**: 20260112

**EFFECTIVENESS DATE**: 20260112

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Arlington Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0001716539

**ORGANIZATION NAME:**
- **EIN:** 274186845
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18243
- **FILM NUMBER:** 26525248

**BUSINESS ADDRESS:**
- **STREET 1:** 100 E. DE LA GUERRA ST.
- **CITY:** SANTA BARBARA
- **STATE:** CA
- **ZIP:** 93101
- **BUSINESS PHONE:** 805-699-7300

**MAIL ADDRESS:**
- **STREET 1:** 100 E. DE LA GUERRA ST.
- **CITY:** SANTA BARBARA
- **STATE:** CA
- **ZIP:** 93101

### 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:** Arlington Financial Advisors LLC<br>**Address:** 100 E. DE LA GUERRA ST.<br>SANTA BARBARA, CA 93101

**Form 13F File Number:** 028-18243

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:** John Lorenz<br>**Title:** Chief Compliance Officer<br>**Phone:** 805-699-7300

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

/s/ John Lorenz  Santa Barbara, CA  01-12-2026<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:** 106

**Form 13F Information Table Value Total:** $698086494

      (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 |
| ACUITY INC | COM | 00508Y102 | BBG001SBG656 | 209903 | 583 | SH |  | SOLE |  | 583 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 9504145 | 30365 | SH |  | SOLE |  | 30364 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 8639228 | 27531 | SH |  | SOLE |  | 27531 | 0 | 0 |
| ALPS ETF TR | ALERIAN MLP | 00162Q452 | BBG001TBMNT5 | 352650 | 7500 | SH |  | SOLE |  | 7500 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 9675974 | 41920 | SH |  | SOLE |  | 41920 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS ALL EQT | 025072232 | BBG019T9ZBN0 | 325254 | 3786 | SH |  | SOLE |  | 3785 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 | BBG00Q6ZDXT0 | 33528419 | 435321 | SH |  | SOLE |  | 435320 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS MODERAT | 025072182 | BBG01H489875 | 222953 | 3362 | SH |  | SOLE |  | 3362 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS US MID C | 025072125 | BBG01JYBR2Z3 | 212485 | 3008 | SH |  | SOLE |  | 3008 | 0 | 0 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 | BBG012NL46D0 | 19653601 | 259385 | SH |  | SOLE |  | 259385 | 0 | 0 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 | BBG00Q9MQZW3 | 16019732 | 157087 | SH |  | SOLE |  | 157087 | 0 | 0 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 8444143 | 25799 | SH |  | SOLE |  | 25798 | 0 | 0 |
| APPFOLIO INC | COM CL A | 03783C100 | BBG008GC8CS3 | 221483 | 952 | SH |  | SOLE |  | 952 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 18002318 | 66219 | SH |  | SOLE |  | 66219 | 0 | 0 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 | BBG001SCG0R3 | 524231 | 490 | SH |  | SOLE |  | 490 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 11257349 | 22396 | SH |  | SOLE |  | 22396 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 | BBG01PSW2WR0 | 5055216 | 4723 | SH |  | SOLE |  | 4723 | 0 | 0 |
| BLACKROCK MUNIHLDGS NY QLTY | COM | 09255C106 | BBG001SB8M69 | 107824 | 10540 | SH |  | SOLE |  | 10540 | 0 | 0 |
| BLACKROCK MUNIHLDNGS CALI QL | COM | 09254L107 | BBG001SBLZS1 | 583000 | 55000 | SH |  | SOLE |  | 55000 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 441309 | 1275 | SH |  | SOLE |  | 1275 | 0 | 0 |
| CALAMOS ETF TR | ANTETOKOUNMPO GL | 12811T209 | BBG01DZBX162 | 5069561 | 151138 | SH |  | SOLE |  | 151138 | 0 | 0 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 | BBG015DN3GR4 | 48527048 | 1400492 | SH |  | SOLE |  | 1400492 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 5050410 | 33137 | SH |  | SOLE |  | 33137 | 0 | 0 |
| CORNING INC | COM | 219350105 | BBG001S5RLH1 | 212596 | 2428 | SH |  | SOLE |  | 2428 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 7345479 | 8518 | SH |  | SOLE |  | 8518 | 0 | 0 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 | BBG00BLYKRZ7 | 822205 | 1754 | SH |  | SOLE |  | 1754 | 0 | 0 |
| DEERE  CO | COM | 244199105 | BBG001S5QFF7 | 4874518 | 10470 | SH |  | SOLE |  | 10470 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 | BBG015DLMLQ7 | 22902617 | 602225 | SH |  | SOLE |  | 602225 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 | BBG01J9W24S6 | 47373167 | 640351 | SH |  | SOLE |  | 640351 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 4400711 | 38681 | SH |  | SOLE |  | 38680 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 545937 | 508 | SH |  | SOLE |  | 508 | 0 | 0 |
| ETF SER SOLUTIONS | DISTILLATE US | 26922A321 | BBG00MC56321 | 30077736 | 510658 | SH |  | SOLE |  | 510657 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 729169 | 6059 | SH |  | SOLE |  | 6059 | 0 | 0 |
| FAIR ISAAC CORP | COM | 303250104 | BBG001S8ZT61 | 380390 | 225 | SH |  | SOLE |  | 225 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | NASDQ CLN EDGE | 33737A108 | BBG001T61KB4 | 35503682 | 232020 | SH |  | SOLE |  | 232019 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | NY ARCA BIOTECH | 33733E203 | BBG001SQ1891 | 5704082 | 27620 | SH |  | SOLE |  | 27620 | 0 | 0 |
| GILEAD SCIENCES INC | COM | 375558103 | BBG001S6Y1X7 | 5538152 | 45121 | SH |  | SOLE |  | 45121 | 0 | 0 |
| HARBOR ETF TRUST | INTERNATNAL COMP | 41151J885 | BBG019FG0845 | 48840991 | 1614578 | SH |  | SOLE |  | 1614578 | 0 | 0 |
| IDEXX LABS INC | COM | 45168D104 | BBG001S5S4Y9 | 435685 | 644 | SH |  | SOLE |  | 644 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 229267 | 774 | SH |  | SOLE |  | 774 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 7171250 | 12662 | SH |  | SOLE |  | 12662 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E743 | BBG001SS8729 | 15024324 | 229222 | SH |  | SOLE |  | 229221 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 | BBG001S6H5N8 | 9356268 | 199409 | SH |  | SOLE |  | 199408 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1500 | 46137V597 | BBG001SPSDJ2 | 7497052 | 163370 | SH |  | SOLE |  | 163370 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 276207 | 4109 | SH |  | SOLE |  | 4109 | 0 | 0 |
| ISHARES INC | MSCI WORLD ETF | 464286392 | BBG002D9R378 | 552666 | 2975 | SH |  | SOLE |  | 2975 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 | BBG001TG5H89 | 5524248 | 53953 | SH |  | SOLE |  | 53953 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 309800 | 3463 | SH |  | SOLE |  | 3463 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 893442 | 1304 | SH |  | SOLE |  | 1304 | 0 | 0 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 | BBG006MJCSW0 | 235585 | 5062 | SH |  | SOLE |  | 5062 | 0 | 0 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 | BBG00H4BFM35 | 4039384 | 160039 | SH |  | SOLE |  | 160039 | 0 | 0 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 | BBG001SRYH02 | 2460524 | 19099 | SH |  | SOLE |  | 19099 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 483991 | 5040 | SH |  | SOLE |  | 5040 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 563227 | 1190 | SH |  | SOLE |  | 1190 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 301628 | 1434 | SH |  | SOLE |  | 1434 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE BOND ETF | 46654Q716 | BBG01J4V6196 | 26973144 | 498856 | SH |  | SOLE |  | 498856 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE GROWTH | 46654Q609 | BBG018R2GN27 | 17867341 | 192536 | SH |  | SOLE |  | 192536 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE VALUE ETF | 46641Q167 | BBG012NLLCC9 | 25995098 | 362453 | SH |  | SOLE |  | 362452 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDERS US | 46641Q241 | BBG00MSHTH59 | 821448 | 17696 | SH |  | SOLE |  | 17696 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 | BBG00N6W8XF5 | 8038717 | 169772 | SH |  | SOLE |  | 169772 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | GLOBAL SEL EQUIT | 46654Q740 | BBG01J1LP500 | 21466007 | 317216 | SH |  | SOLE |  | 317216 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 | BBG00M8D48L9 | 352945 | 6989 | SH |  | SOLE |  | 6989 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 | BBG016NKZFF7 | 371968 | 6400 | SH |  | SOLE |  | 6400 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 285384 | 1379 | SH |  | SOLE |  | 1379 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 7551548 | 23436 | SH |  | SOLE |  | 23436 | 0 | 0 |
| KINDER MORGAN INC DEL | COM | 49456B101 | BBG001TG2YZ5 | 365780 | 13306 | SH |  | SOLE |  | 13305 | 0 | 0 |
| KRATOS DEFENSE  SEC SOLUTIO | COM NEW | 50077B207 | BBG001SD5VL1 | 227730 | 3000 | SH |  | SOLE |  | 3000 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 895689 | 2931 | SH |  | SOLE |  | 2930 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 345887 | 524 | SH |  | SOLE |  | 524 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 3443668 | 7121 | SH |  | SOLE |  | 7120 | 0 | 0 |
| MONGODB INC | CL A | 60937P106 | BBG0022FDRZ7 | 3498116 | 8335 | SH |  | SOLE |  | 8335 | 0 | 0 |
| NIKE INC | CL B | 654106103 | BBG001S6NTK2 | 1653784 | 25958 | SH |  | SOLE |  | 25958 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 | BBG00FJ5HWZ7 | 2513393 | 56291 | SH |  | SOLE |  | 56291 | 0 | 0 |
| NUVEEN CA QUALTY MUN INCOME | COM | 67066Y105 | BBG001SCTG12 | 118372 | 10023 | SH |  | SOLE |  | 10023 | 0 | 0 |
| NUVEEN CALIFORNIA MUNI VLU F | COM STK | 67062C107 | BBG001S5TJV8 | 358000 | 40000 | SH |  | SOLE |  | 40000 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 483674 | 2593 | SH |  | SOLE |  | 2593 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 269056 | 1380 | SH |  | SOLE |  | 1380 | 0 | 0 |
| PERMA-PIPE INTL HLDGS INC | COM | 714167103 | BBG001S6F0X0 | 236595 | 7793 | SH |  | SOLE |  | 7793 | 0 | 0 |
| PIMCO EQUITY SER | RAFI ESG US | 72201T342 | BBG00QQF57H1 | 5346251 | 127322 | SH |  | SOLE |  | 127322 | 0 | 0 |
| PROCORE TECHNOLOGIES INC | COM | 74275K108 | BBG0026ZJ313 | 381158 | 5240 | SH |  | SOLE |  | 5240 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 | BBG001SDLP09 | 4221606 | 15936 | SH |  | SOLE |  | 15936 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 | BBG0051K49J8 | 36551710 | 808487 | SH |  | SOLE |  | 808487 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 | BBG0051J0PJ9 | 10190962 | 374530 | SH |  | SOLE |  | 374530 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 | BBG0051NXNX3 | 9300085 | 295147 | SH |  | SOLE |  | 295147 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 504338 | 18742 | SH |  | SOLE |  | 18741 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 216624 | 7204 | SH |  | SOLE |  | 7204 | 0 | 0 |
| SEAGATE TECHNOLOGY HLDNGS PL | ORD SHS | G7997R103 | BBG0113JGQG9 | 367095 | 1333 | SH |  | SOLE |  | 1333 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET COM | 81369Y852 | BBG00L5F9FV7 | 390595 | 3318 | SH |  | SOLE |  | 3318 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A870 | BBG001SQDKG3 | 225449 | 1849 | SH |  | SOLE |  | 1849 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A144 | BBG001V10544 | 242466 | 8264 | SH |  | SOLE |  | 8264 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 | BBG001S72KH6 | 2543669 | 30206 | SH |  | SOLE |  | 30206 | 0 | 0 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 484097 | 1593 | SH |  | SOLE |  | 1593 | 0 | 0 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 265785 | 591 | SH |  | SOLE |  | 591 | 0 | 0 |
| THE TRADE DESK INC | COM CL A | 88339J105 | BBG00629NGW8 | 244690 | 6446 | SH |  | SOLE |  | 6446 | 0 | 0 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 641965 | 8243 | SH |  | SOLE |  | 8243 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 793260 | 1626 | SH |  | SOLE |  | 1626 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 2218924 | 10477 | SH |  | SOLE |  | 10477 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 681834 | 3570 | SH |  | SOLE |  | 3570 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 360003 | 4894 | SH |  | SOLE |  | 4894 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 | BBG003H12XS7 | 22923266 | 463471 | SH |  | SOLE |  | 463470 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | BBG001T62M92 | 326858 | 5454 | SH |  | SOLE |  | 5454 | 0 | 0 |
| VEEVA SYS INC | CL A COM | 922475108 | BBG001TX0CB4 | 279261 | 1251 | SH |  | SOLE |  | 1251 | 0 | 0 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 | BBG001S68LJ8 | 226680 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 953931 | 2720 | SH |  | SOLE |  | 2720 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 500342 | 4491 | SH |  | SOLE |  | 4491 | 0 | 0 |
| WISDOMTREE TR | INTL EQUITY FD | 97717W703 | BBG001SHKSW0 | 336030 | 4887 | SH |  | SOLE |  | 4887 | 0 | 0 |

---