# EDGAR Filing Document

**Accession Number:** 0001937021
**File Stem:** 0001085146-25-005871
**Filing Date:** 2025-10
**Character Count:** 13871
**Document Hash:** 95c4f2e50ef9fbb2dbc04eec0e6c4493
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-25-005871.hdr.sgml**: 20251009

**ACCESSION NUMBER**: 0001085146-25-005871

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251009

**DATE AS OF CHANGE**: 20251009

**EFFECTIVENESS DATE**: 20251009

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CYPRESS FINANCIAL PLANNING LLC
- **CENTRAL INDEX KEY:** 0001937021

**ORGANIZATION NAME:**
- **EIN:** 263970656
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22570
- **FILM NUMBER:** 251383781

**BUSINESS ADDRESS:**
- **STREET 1:** 400 WHITE HORSE PIKE
- **CITY:** HADDON HEIGHTS
- **STATE:** NJ
- **ZIP:** 08035
- **BUSINESS PHONE:** 8567200029

**MAIL ADDRESS:**
- **STREET 1:** 400 WHITE HORSE PIKE
- **CITY:** HADDON HEIGHTS
- **STATE:** NJ
- **ZIP:** 08035

### 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:** CYPRESS FINANCIAL PLANNING LLC<br>**Address:** 400 WHITE HORSE PIKE<br>HADDON HEIGHTS, NJ 08035

**Form 13F File Number:** 028-22570

**CRD Number (if applicable):** 000151014

**SEC File Number (if applicable):** 801-112700

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:** Jeffrey Jones<br>**Title:** Principal<br>**Phone:** 856-720-0029

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

/s/Jeffrey Jones  Haddon Heights, NJ  10-09-2025<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:** 89

**Form 13F Information Table Value Total:** $328058837

      (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 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 291478 | 1259 | SH |  | SOLE |  | 1259 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 525105 | 2156 | SH |  | SOLE |  | 2156 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1498789 | 6826 | SH |  | SOLE |  | 6826 | 0 | 0 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 | BBG001S5NPQ6 | 372533 | 1937 | SH |  | SOLE |  | 1937 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 2255608 | 8858 | SH |  | SOLE |  | 8858 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1892816 | 3765 | SH |  | SOLE |  | 3765 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 242186 | 734 | SH |  | SOLE |  | 734 | 0 | 0 |
| CAPITAL ONE FINL CORP | COM | 14040H105 | BBG001S65PV8 | 4847466 | 22803 | SH |  | SOLE |  | 22803 | 0 | 0 |
| CVR PARTNERS LP | COM | 126633205 | BBG001TWQXN9 | 315420 | 3500 | SH |  | SOLE |  | 3500 | 0 | 0 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 | BBG01J9W4CB4 | 341871 | 6732 | SH |  | SOLE |  | 6732 | 0 | 0 |
| ELECTRONIC ARTS INC | COM | 285512109 | BBG001S5T5C9 | 282179 | 1399 | SH |  | SOLE |  | 1399 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 200295 | 1776 | SH |  | SOLE |  | 1776 | 0 | 0 |
| INNOVATOR ETFS TRUST | INNOVATOR INTER | 45783Y533 | BBG01J43LCY9 | 426995 | 13399 | SH |  | SOLE |  | 13399 | 0 | 0 |
| INNOVATOR ETFS TRUST | INNOVATOR INTL D | 45783Y285 | BBG01N46Z582 | 216096 | 7609 | SH |  | SOLE |  | 7609 | 0 | 0 |
| INNOVATOR ETFS TRUST | INTERNATIONAL DE | 45783Y426 | BBG01KCH54N4 | 378198 | 12171 | SH |  | SOLE |  | 12171 | 0 | 0 |
| INNOVATOR ETFS TRUST | INTERNATIONAL DV | 45782C631 | BBG012S32N86 | 396680 | 11609 | SH |  | SOLE |  | 11609 | 0 | 0 |
| INNOVATOR ETFS TRUST | INTRNL DEV JULY | 45782C722 | BBG00PLYT1X6 | 368990 | 11289 | SH |  | SOLE |  | 11289 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQT PWR BUF | 45782C870 | BBG00NR9QB16 | 221913 | 5785 | SH |  | SOLE |  | 5785 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JAN | 45782C409 | BBG00MYXK7W8 | 334847 | 6316 | SH |  | SOLE |  | 6316 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BF | 45782C680 | BBG00PVP39R2 | 630637 | 14849 | SH |  | SOLE |  | 14849 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C797 | BBG00M4NZTF8 | 488280 | 11329 | SH |  | SOLE |  | 11329 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C813 | BBG00LNDTJL3 | 535709 | 11748 | SH |  | SOLE |  | 11748 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C540 | BBG00QYND1G0 | 567900 | 13515 | SH |  | SOLE |  | 13515 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C573 | BBG00QPZ1F93 | 382269 | 9310 | SH |  | SOLE |  | 9310 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C383 | BBG00S1NDLX9 | 235402 | 5361 | SH |  | SOLE |  | 5361 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C417 | BBG00RHZ5CR3 | 441472 | 11123 | SH |  | SOLE |  | 11123 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C318 | BBG00TGM5Q16 | 281444 | 7236 | SH |  | SOLE |  | 7236 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C656 | BBG00Q4028Q9 | 980506 | 22829 | SH |  | SOLE |  | 22829 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 310207 | 1099 | SH |  | SOLE |  | 1099 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 1921184 | 3200 | PRN | Put | SOLE |  | 3200 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 3615646 | 54849 | SH |  | SOLE |  | 54849 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 | BBG001S80936 | 1517026 | 15727 | SH |  | SOLE |  | 15727 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 | BBG006MJFZK4 | 13344252 | 196008 | SH |  | SOLE |  | 196008 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 9314667 | 106685 | SH |  | SOLE |  | 106685 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 1944653 | 16365 | SH |  | SOLE |  | 16365 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 34010987 | 50816 | SH |  | SOLE |  | 50816 | 0 | 0 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 | BBG005XKVF72 | 357639 | 9029 | SH |  | SOLE |  | 9029 | 0 | 0 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 | BBG001S60QR6 | 911022 | 8173 | SH |  | SOLE |  | 8173 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 859935 | 9210 | SH |  | SOLE |  | 9210 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 919435 | 8634 | SH |  | SOLE |  | 8634 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 832365 | 1777 | SH |  | SOLE |  | 1777 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 488033 | 2017 | SH |  | SOLE |  | 2017 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 | BBG001SFQL26 | 527654 | 4771 | SH |  | SOLE |  | 4771 | 0 | 0 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 | BBG001SFGXJ3 | 589761 | 6075 | SH |  | SOLE |  | 6075 | 0 | 0 |
| JOHNSON CTLS INTL PLC | SHS | G51502105 | BBG001S5WZ84 | 564044 | 5130 | SH |  | SOLE |  | 5130 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 457107 | 1449 | SH |  | SOLE |  | 1449 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 2043348 | 4093 | SH |  | SOLE |  | 4093 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 720546 | 1391 | SH |  | SOLE |  | 1391 | 0 | 0 |
| MORGAN STANLEY | COM NEW | 617446448 | BBG001S9V5Z3 | 5995510 | 37717 | SH |  | SOLE |  | 37717 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 1225296 | 1022 | SH |  | SOLE |  | 1022 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 735155 | 3940 | SH |  | SOLE |  | 3940 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 230032 | 1261 | SH |  | SOLE |  | 1261 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 264915 | 1724 | SH |  | SOLE |  | 1724 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 | BBG001S6VS70 | 363508 | 2185 | SH |  | SOLE |  | 2185 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 801591 | 30432 | SH |  | SOLE |  | 30432 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 290203 | 13454 | SH |  | SOLE |  | 13454 | 0 | 0 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 | BBG001S7T223 | 8614960 | 159921 | SH |  | SOLE |  | 159921 | 0 | 0 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 | BBG004DW5NC7 | 329171 | 2215 | SH |  | SOLE |  | 2215 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | BBG001SRXRJ1 | 387121 | 9047 | SH |  | SOLE |  | 9047 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 6439962 | 9667 | SH |  | SOLE |  | 9667 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 133236 | 200 | PRN | Call | SOLE |  | 200 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 266472 | 400 | PRN | Put | SOLE |  | 400 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG HIGH Y | 78468R622 | BBG001SQS7X7 | 233118 | 2379 | SH |  | SOLE |  | 2379 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG SHT TE | 78468R408 | BBG002QLYD04 | 1470822 | 57454 | SH |  | SOLE |  | 57454 | 0 | 0 |
| SPDR SERIES TRUST | NUVEEN ICE MUNIC | 78468R721 | BBG001SRSPW6 | 858357 | 18836 | SH |  | SOLE |  | 18836 | 0 | 0 |
| SPDR SERIES TRUST | NUVEEN ICE SHORT | 78468R739 | BBG001T083N5 | 935179 | 19394 | SH |  | SOLE |  | 19394 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 | BBG001T2HCY9 | 335741 | 9907 | SH |  | SOLE |  | 9907 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 | BBG001SPTB87 | 576669 | 7361 | SH |  | SOLE |  | 7361 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 | BBG004T58LZ5 | 242948 | 5245 | SH |  | SOLE |  | 5245 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 | BBG001T6B0P2 | 219451 | 7245 | SH |  | SOLE |  | 7245 | 0 | 0 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 318864 | 717 | SH |  | SOLE |  | 717 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 298033 | 863 | SH |  | SOLE |  | 863 | 0 | 0 |
| VANECK ETF TRUST | FALLEN ANGEL HG | 92189F437 | BBG002VZY7Y3 | 13067554 | 439541 | SH |  | SOLE |  | 439541 | 0 | 0 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 | BBG001SZDBR1 | 744972 | 14636 | SH |  | SOLE |  | 14636 | 0 | 0 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 | BBG001SK3J43 | 23495537 | 112236 | SH |  | SOLE |  | 112236 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 1186076 | 2473 | SH |  | SOLE |  | 2473 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 23678810 | 259011 | SH |  | SOLE |  | 259011 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 520559 | 850 | SH |  | SOLE |  | 850 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 385997 | 1518 | SH |  | SOLE |  | 1518 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 782405 | 2384 | SH |  | SOLE |  | 2384 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 222669 | 1194 | SH |  | SOLE |  | 1194 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 9751724 | 179988 | SH |  | SOLE |  | 179988 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 | BBG001SHTV18 | 1029260 | 12898 | SH |  | SOLE |  | 12898 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | BBG001T62M92 | 27627646 | 460231 | SH |  | SOLE |  | 460231 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 36082254 | 428989 | SH |  | SOLE |  | 428989 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 27222494 | 340579 | SH |  | SOLE |  | 340579 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 8110467 | 37585 | SH |  | SOLE |  | 37585 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 27116144 | 452539 | SH |  | SOLE |  | 452539 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 265360 | 6038 | SH |  | SOLE |  | 6038 | 0 | 0 |

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