# EDGAR Filing Document

**Accession Number:** 0001903044
**File Stem:** 0001903044-25-000007
**Filing Date:** 2025-11
**Character Count:** 15515
**Document Hash:** c7a40893a15fb31101e563108312d0ac
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001903044-25-000007.hdr.sgml**: 20251105

**ACCESSION NUMBER**: 0001903044-25-000007

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251105

**DATE AS OF CHANGE**: 20251105

**EFFECTIVENESS DATE**: 20251105

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TAGStone Capital, Inc.
- **CENTRAL INDEX KEY:** 0001903044

**ORGANIZATION NAME:**
- **EIN:** 320355210
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21549
- **FILM NUMBER:** 251452892

**BUSINESS ADDRESS:**
- **STREET 1:** 1515 MOCKINGBIRD LANE
- **STREET 2:** SUITE 400
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28209
- **BUSINESS PHONE:** (704) 533-8900

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 11984
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28220

### 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:** TAGStone Capital Inc.<br>**Address:** PO BOX 11984<br>CHARLOTTE, NC 28220

**Form 13F File Number:** 028-21549

**CRD Number (if applicable):** 000158864

**SEC File Number (if applicable):** 801-121704

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:** William Reid Culp III<br>**Title:** President<br>**Phone:** (704) 533-8900

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

William Reid Culp III  Charlotte, NC  11-05-2025<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:** 117

**Form 13F Information Table Value Total:** $252405108

      (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 |
| ISHARES TR | CORE S ETF | 464287200 |  | 23125689 | 34552 | SH |  | SOLE |  | 0 | 0 | 34552 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 16010969 | 190357 | SH |  | SOLE |  | 0 | 0 | 190357 |
| AMAZON COM INC | COM | 023135106 |  | 14000627 | 63764 | SH |  | SOLE |  | 0 | 0 | 63764 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 12075948 | 115548 | SH |  | SOLE |  | 0 | 0 | 115548 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 11328621 | 22534 | SH |  | SOLE |  | 0 | 0 | 22534 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 10900166 | 136371 | SH |  | SOLE |  | 0 | 0 | 136371 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 10494542 | 206667 | SH |  | SOLE |  | 0 | 0 | 206667 |
| VANGUARD MUN BD FDS | CORE TAX EXEMPT | 922907712 |  | 7182747 | 95452 | SH |  | SOLE |  | 0 | 0 | 95452 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 6144910 | 43149 | SH |  | SOLE |  | 0 | 0 | 43149 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 6079222 | 109872 | SH |  | SOLE |  | 0 | 0 | 109872 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 5779125 | 99281 | SH |  | SOLE |  | 0 | 0 | 99281 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 5703330 | 65323 | SH |  | SOLE |  | 0 | 0 | 65323 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 5583737 | 6032 | SH |  | SOLE |  | 0 | 0 | 6032 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 5149408 | 29349 | SH |  | SOLE |  | 0 | 0 | 29349 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 4577504 | 91422 | SH |  | SOLE |  | 0 | 0 | 91422 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 4520873 | 37518 | SH |  | SOLE |  | 0 | 0 | 37518 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 4055038 | 16681 | SH |  | SOLE |  | 0 | 0 | 16681 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3965854 | 21254 | SH |  | SOLE |  | 0 | 0 | 21254 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 3928695 | 44317 | SH |  | SOLE |  | 0 | 0 | 44317 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 3750595 | 20010 | SH |  | SOLE |  | 0 | 0 | 20010 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 3603001 | 12088 | SH |  | SOLE |  | 0 | 0 | 12088 |
| UNION PAC CORP | COM | 907818108 |  | 3465376 | 14661 | SH |  | SOLE |  | 0 | 0 | 14661 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 3366564 | 18156 | SH |  | SOLE |  | 0 | 0 | 18156 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 3279777 | 47908 | SH |  | SOLE |  | 0 | 0 | 47908 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 3240849 | 9757 | SH |  | SOLE |  | 0 | 0 | 9757 |
| TJX COS INC NEW | COM | 872540109 |  | 2800885 | 19378 | SH |  | SOLE |  | 0 | 0 | 19378 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 2650778 | 26324 | SH |  | SOLE |  | 0 | 0 | 26324 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 2447368 | 45246 | SH |  | SOLE |  | 0 | 0 | 45246 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 2303547 | 51545 | SH |  | SOLE |  | 0 | 0 | 51545 |
| APPLE INC | COM | 037833100 |  | 1996923 | 7842 | SH |  | SOLE |  | 0 | 0 | 7842 |
| BROADCOM INC | COM | 11135F101 |  | 1788774 | 5422 | SH |  | SOLE |  | 0 | 0 | 5422 |
| SPDR SER TR | S 600 SMCP GRW | 78464A201 |  | 1762426 | 18688 | SH |  | SOLE |  | 0 | 0 | 18688 |
| WISDOMTREE TR | JPN SCAP HDG EQT | 97717W521 |  | 1739260 | 41755 | SH |  | SOLE |  | 0 | 0 | 41755 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 1728267 | 36921 | SH |  | SOLE |  | 0 | 0 | 36921 |
| INVESCO EXCHANGE TRADED FD T | S QUALITY | 46137V241 |  | 1669533 | 22780 | SH |  | SOLE |  | 0 | 0 | 22780 |
| PROGRESSIVE CORP | COM | 743315103 |  | 1597067 | 6467 | SH |  | SOLE |  | 0 | 0 | 6467 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 1519562 | 8502 | SH |  | SOLE |  | 0 | 0 | 8502 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1453002 | 6707 | SH |  | SOLE |  | 0 | 0 | 6707 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 1446847 | 15089 | SH |  | SOLE |  | 0 | 0 | 15089 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 1386071 | 13410 | SH |  | SOLE |  | 0 | 0 | 13410 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 1324489 | 1774 | SH |  | SOLE |  | 0 | 0 | 1774 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1318628 | 2815 | SH |  | SOLE |  | 0 | 0 | 2815 |
| MICROSOFT CORP | COM | 594918104 |  | 1216098 | 2348 | SH |  | SOLE |  | 0 | 0 | 2348 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 1214680 | 15833 | SH |  | SOLE |  | 0 | 0 | 15833 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 1180617 | 12161 | SH |  | SOLE |  | 0 | 0 | 12161 |
| AMGEN INC | COM | 031162100 |  | 1157182 | 4101 | SH |  | SOLE |  | 0 | 0 | 4101 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 1135272 | 11138 | SH |  | SOLE |  | 0 | 0 | 11138 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 1077239 | 8304 | SH |  | SOLE |  | 0 | 0 | 8304 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 1047499 | 43920 | SH |  | SOLE |  | 0 | 0 | 43920 |
| ISHARES TR | CORE MSCI EMKT | 46434G103 |  | 1041120 | 15794 | SH |  | SOLE |  | 0 | 0 | 15794 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 936100 | 11336 | SH |  | SOLE |  | 0 | 0 | 11336 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 932398 | 2956 | SH |  | SOLE |  | 0 | 0 | 2956 |
| META PLATFORMS INC | CL A | 30303M102 |  | 910242 | 1239 | SH |  | SOLE |  | 0 | 0 | 1239 |
| VISA INC | COM CL A | 92826C839 |  | 837127 | 2452 | SH |  | SOLE |  | 0 | 0 | 2452 |
| BK OF AMERICA CORP | COM | 060505104 |  | 804732 | 15599 | SH |  | SOLE |  | 0 | 0 | 15599 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 802110 | 8200 | SH |  | SOLE |  | 0 | 0 | 8200 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 789067 | 24064 | SH |  | SOLE |  | 0 | 0 | 24064 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 787721 | 15522 | SH |  | SOLE |  | 0 | 0 | 15522 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 779627 | 18233 | SH |  | SOLE |  | 0 | 0 | 18233 |
| SPDR SER TR | S 400 MDCP VAL | 78464A839 |  | 758332 | 9092 | SH |  | SOLE |  | 0 | 0 | 9092 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 745558 | 5269 | SH |  | SOLE |  | 0 | 0 | 5269 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 690442 | 6243 | SH |  | SOLE |  | 0 | 0 | 6243 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 681855 | 2818 | SH |  | SOLE |  | 0 | 0 | 2818 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 671961 | 6402 | SH |  | SOLE |  | 0 | 0 | 6402 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 668441 | 13871 | SH |  | SOLE |  | 0 | 0 | 13871 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 661386 | 4891 | SH |  | SOLE |  | 0 | 0 | 4891 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 639363 | 6697 | SH |  | SOLE |  | 0 | 0 | 6697 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 635146 | 5948 | SH |  | SOLE |  | 0 | 0 | 5948 |
| LAUDER ESTEE COS INC | CL A | 518439104 |  | 623895 | 7080 | SH |  | SOLE |  | 0 | 0 | 7080 |
| ULTA BEAUTY INC | COM | 90384S303 |  | 615094 | 1125 | SH |  | SOLE |  | 0 | 0 | 1125 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 599183 | 10426 | SH |  | SOLE |  | 0 | 0 | 10426 |
| ESAB CORPORATION | COM | 29605J106 |  | 587324 | 5256 | SH |  | SOLE |  | 0 | 0 | 5256 |
| INVESCO EXCH TRADED FD TR II | S SMLCAP QTY | 46138G300 |  | 541524 | 12585 | SH |  | SOLE |  | 0 | 0 | 12585 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 537631 | 3772 | SH |  | SOLE |  | 0 | 0 | 3772 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 535526 | 8504 | SH |  | SOLE |  | 0 | 0 | 8504 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 502871 | 11380 | SH |  | SOLE |  | 0 | 0 | 11380 |
| KKR  CO INC | COM | 48251W104 |  | 492709 | 3792 | SH |  | SOLE |  | 0 | 0 | 3792 |
| ISHARES U S ETF TR | BLACKROCK SHORT | 46431W838 |  | 476153 | 9427 | SH |  | SOLE |  | 0 | 0 | 9427 |
| LILLY ELI  CO | COM | 532457108 |  | 474866 | 622 | SH |  | SOLE |  | 0 | 0 | 622 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 465518 | 8778 | SH |  | SOLE |  | 0 | 0 | 8778 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 463464 | 771 | SH |  | SOLE |  | 0 | 0 | 771 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434v666 |  | 446623 | 13575 | SH |  | SOLE |  | 0 | 0 | 13575 |
| KONTOOR BRANDS INC | COM | 50050N103 |  | 443295 | 5557 | SH |  | SOLE |  | 0 | 0 | 5557 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 421033 | 7885 | SH |  | SOLE |  | 0 | 0 | 7885 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 411604 | 7208 | SH |  | SOLE |  | 0 | 0 | 7208 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 407578 | 5390 | SH |  | SOLE |  | 0 | 0 | 5390 |
| LAM RESEARCH CORP | COM NEW | 512807108 |  | 402480 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 374031 | 7481 | SH |  | SOLE |  | 0 | 0 | 7481 |
| PEPSICO INC | COM | 713448108 |  | 361849 | 2577 | SH |  | SOLE |  | 0 | 0 | 2577 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 355113 | 11227 | SH |  | SOLE |  | 0 | 0 | 11227 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 334861 | 1187 | SH |  | SOLE |  | 0 | 0 | 1187 |
| TESLA INC | COM | 88160R101 |  | 320368 | 720 | SH |  | SOLE |  | 0 | 0 | 720 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 312182 | 2579 | SH |  | SOLE |  | 0 | 0 | 2579 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 310124 | 3749 | SH |  | SOLE |  | 0 | 0 | 3749 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS HI | 25434V757 |  | 308696 | 10107 | SH |  | SOLE |  | 0 | 0 | 10107 |
| BROOKFIELD CORP | CL A LTD VT SH | 11271J107 |  | 305524 | 4455 | SH |  | SOLE |  | 0 | 0 | 4455 |
| RTX CORPORATION | COM | 75513E101 |  | 303798 | 1816 | SH |  | SOLE |  | 0 | 0 | 1816 |
| ISHARES TR | U S EQUITY FACTR | 46434V282 |  | 292902 | 4240 | SH |  | SOLE |  | 0 | 0 | 4240 |
| ORACLE CORP | COM | 68389X105 |  | 284052 | 1010 | SH |  | SOLE |  | 0 | 0 | 1010 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 281459 | 2915 | SH |  | SOLE |  | 0 | 0 | 2915 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 277736 | 7351 | SH |  | SOLE |  | 0 | 0 | 7351 |
| KRANESHARES TRUST | CSI CHI INTERNET | 500767306 |  | 269902 | 6425 | SH |  | SOLE |  | 0 | 0 | 6425 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 260956 | 3342 | SH |  | SOLE |  | 0 | 0 | 3342 |
| AIM ETF PRODUCTS TRUST | US LARCP B20 MAR | 00888H778 |  | 237588 | 7069 | SH |  | SOLE |  | 0 | 0 | 7069 |
| AIM ETF PRODUCTS TRUST | US LRGCP B20 JUN | 00888H737 |  | 236204 | 7205 | SH |  | SOLE |  | 0 | 0 | 7205 |
| AIM ETF PRODUCTS TRUST | ALLIANZIM US LRG | 00888H687 |  | 229508 | 7308 | SH |  | SOLE |  | 0 | 0 | 7308 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 228995 | 1991 | SH |  | SOLE |  | 0 | 0 | 1991 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 216657 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| APPLIED MATLS INC | COM | 038222105 |  | 216001 | 1055 | SH |  | SOLE |  | 0 | 0 | 1055 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 215336 | 1449 | SH |  | SOLE |  | 0 | 0 | 1449 |
| AUTONATION INC | COM | 05329W102 |  | 211113 | 965 | SH |  | SOLE |  | 0 | 0 | 965 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 210568 | 3140 | SH |  | SOLE |  | 0 | 0 | 3140 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 209514 | 1116 | SH |  | SOLE |  | 0 | 0 | 1116 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 205231 | 6399 | SH |  | SOLE |  | 0 | 0 | 6399 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 204768 | 977 | SH |  | SOLE |  | 0 | 0 | 977 |
| MARKEL GROUP INC | COM | 570535104 |  | 204516 | 107 | SH |  | SOLE |  | 0 | 0 | 107 |
| TOPGOLF CALLAWAY BRANDS CORP | COM | 131193104 |  | 129276 | 13608 | SH |  | SOLE |  | 0 | 0 | 13608 |

---