# EDGAR Filing Document

**Accession Number:** 0002052798
**File Stem:** 0002052798-25-000003
**Filing Date:** 2025-11
**Character Count:** 11331
**Document Hash:** b4a2d469f904a3d24fd292fc161f5c23
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002052798-25-000003.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0002052798-25-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Flavin Financial Services, Inc.
- **CENTRAL INDEX KEY:** 0002052798

**ORGANIZATION NAME:**
- **EIN:** 593622927
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24619
- **FILM NUMBER:** 251474848

**BUSINESS ADDRESS:**
- **STREET 1:** 2200 S. BABCOCK STREET
- **CITY:** MELBOURNE
- **STATE:** FL
- **ZIP:** 32901
- **BUSINESS PHONE:** 3217254700

**MAIL ADDRESS:**
- **STREET 1:** 2200 S. BABCOCK STREET
- **CITY:** MELBOURNE
- **STATE:** FL
- **ZIP:** 32901

### 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:** Flavin Financial Services Inc.<br>**Address:** 2200 S. BABCOCK STREET<br>MELBOURNE, FL 32901

**Form 13F File Number:** 028-24619

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:** Matthew Treskovich<br>**Title:** Chief Compliance Officer<br>**Phone:** 321-725-4700

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

/s/Matthew Treskovich  Melbourne, FL  11-12-2025<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:** 70

**Form 13F Information Table Value Total:** $140764289

      (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 | 453818 | 1960 | SH |  | SOLE |  | 1960 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 233301 | 1442 | SH |  | SOLE |  | 1442 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 670956 | 2760 | SH |  | SOLE |  | 2760 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 4193851 | 17220 | SH |  | SOLE |  | 17220 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1014853 | 4622 | SH |  | SOLE |  | 4622 | 0 | 0 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 1144039 | 4054 | SH |  | SOLE |  | 4054 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 5725017 | 22484 | SH |  | SOLE |  | 22484 | 0 | 0 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 214483 | 7595 | SH |  | SOLE |  | 7595 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 3694048 | 7348 | SH |  | SOLE |  | 7348 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 316714 | 960 | SH |  | SOLE |  | 960 | 0 | 0 |
| CAPITAL ONE FINL CORP | COM | 14040H105 | BBG001S65PV8 | 831802 | 3913 | SH |  | SOLE |  | 3913 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 2261178 | 33049 | SH |  | SOLE |  | 33049 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 1507851 | 1629 | SH |  | SOLE |  | 1629 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 | BBG012G21Y06 | 251446 | 5452 | SH |  | SOLE |  | 5452 | 0 | 0 |
| DIREXION SHS ETF TR | DRX S | 25459W862 | BBG001T3NV87 | 311069 | 1468 | SH |  | SOLE |  | 1468 | 0 | 0 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 | BBG001SBT983 | 1368056 | 15349 | SH |  | SOLE |  | 15349 | 0 | 0 |
| FIDELITY COVINGTON TRUST | ENHANCED HIGH YI | 316092618 | BBG00L4J9F40 | 4994550 | 101309 | SH |  | SOLE |  | 101309 | 0 | 0 |
| FIDELITY COVINGTON TRUST | QLTY FCTOR ETF | 316092790 | BBG00DRGLM86 | 821845 | 10999 | SH |  | SOLE |  | 10999 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | LOW DURTIN ETF | 316188408 | BBG00L4J9BR4 | 1249127 | 24883 | SH |  | SOLE |  | 24883 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 | BBG0078X1341 | 7212608 | 155982 | SH |  | SOLE |  | 155982 | 0 | 0 |
| FIRST TR EXCH TRADED FD III | INSTL PFD SECS | 33739P855 | BBG00HJHQ112 | 253335 | 13099 | SH |  | SOLE |  | 13099 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 3034063 | 7488 | SH |  | SOLE |  | 7488 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 | BBG00XS6PBW6 | 1195319 | 4837 | SH |  | SOLE |  | 4837 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 HY | 46138J817 | BBG00KXH4WB4 | 355078 | 15398 | SH |  | SOLE |  | 15398 | 0 | 0 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 26 | 46138J635 | BBG00LNJYDS0 | 717621 | 30661 | SH |  | SOLE |  | 30661 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 2461619 | 4100 | SH |  | SOLE |  | 4100 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 3141036 | 72541 | SH |  | SOLE |  | 72541 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 | BBG006MJFZK4 | 2381734 | 34984 | SH |  | SOLE |  | 34984 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 2204514 | 18552 | SH |  | SOLE |  | 18552 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 3000566 | 4483 | SH |  | SOLE |  | 4483 | 0 | 0 |
| ISHARES TR | IBONDS 25 TRM TS | 46436E866 | BBG00RYR2N19 | 474707 | 20317 | SH |  | SOLE |  | 20317 | 0 | 0 |
| ISHARES TR | IBONDS 26 TRM TS | 46436E858 | BBG00RYR3RM6 | 307392 | 13394 | SH |  | SOLE |  | 13394 | 0 | 0 |
| ISHARES TR | IBONDS 27 TRM TS | 46436E841 | BBG00RYR47N8 | 5830338 | 258896 | SH |  | SOLE |  | 258896 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 297962 | 636 | SH |  | SOLE |  | 636 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 | BBG00GP26NW0 | 8616237 | 169845 | SH |  | SOLE |  | 169845 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 | BBG00J5DPW97 | 909238 | 14453 | SH |  | SOLE |  | 14453 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 705676 | 3806 | SH |  | SOLE |  | 3806 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 4677694 | 14830 | SH |  | SOLE |  | 14830 | 0 | 0 |
| KENVUE INC | COM | 49177J102 | BBG01C79X614 | 391657 | 24132 | SH |  | SOLE |  | 24132 | 0 | 0 |
| KROGER CO | COM | 501044101 | BBG001S5SN40 | 528360 | 7838 | SH |  | SOLE |  | 7838 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 2442470 | 4893 | SH |  | SOLE |  | 4893 | 0 | 0 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 704673 | 2804 | SH |  | SOLE |  | 2804 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 1771997 | 5831 | SH |  | SOLE |  | 5831 | 0 | 0 |
| MEDTRONIC PLC | SHS | G5960L103 | BBG001S5T2S9 | 366753 | 3851 | SH |  | SOLE |  | 3851 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 1766922 | 21052 | SH |  | SOLE |  | 21052 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 2218562 | 3021 | SH |  | SOLE |  | 3021 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 6896057 | 13314 | SH |  | SOLE |  | 13314 | 0 | 0 |
| MURPHY USA INC | COM | 626755102 | BBG001Z0Q6V2 | 693432 | 1786 | SH |  | SOLE |  | 1786 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 237386 | 198 | SH |  | SOLE |  | 198 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 2633544 | 34886 | SH |  | SOLE |  | 34886 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 | BBG001S5TP26 | 1486131 | 2439 | SH |  | SOLE |  | 2439 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 2702052 | 14482 | SH |  | SOLE |  | 14482 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 4225631 | 15025 | SH |  | SOLE |  | 15025 | 0 | 0 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 1383380 | 9850 | SH |  | SOLE |  | 9850 | 0 | 0 |
| PHILLIPS 66 | COM | 718546104 | BBG00286S4P7 | 1725006 | 12682 | SH |  | SOLE |  | 12682 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COM | 693475105 | BBG001S5V947 | 2731308 | 13593 | SH |  | SOLE |  | 13593 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 2130435 | 13866 | SH |  | SOLE |  | 13866 | 0 | 0 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 | BBG001S5TH79 | 757169 | 2621 | SH |  | SOLE |  | 2621 | 0 | 0 |
| REPUBLIC SVCS INC | COM | 760759100 | BBG001S9DL33 | 1839282 | 8015 | SH |  | SOLE |  | 8015 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 451803 | 15243 | SH |  | SOLE |  | 15243 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 | BBG001S72KH6 | 567807 | 6712 | SH |  | SOLE |  | 6712 | 0 | 0 |
| SYSCO CORP | COM | 871829107 | BBG001S5WJS8 | 706066 | 8575 | SH |  | SOLE |  | 8575 | 0 | 0 |
| T ROWE PRICE ETF INC | FLOATING RATE | 87283Q883 | BBG01BJBL0Z7 | 6110436 | 118753 | SH |  | SOLE |  | 118753 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 | BBG001SDGSH1 | 1568582 | 18779 | SH |  | SOLE |  | 18779 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 2627847 | 7610 | SH |  | SOLE |  | 7610 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 1320895 | 4025 | SH |  | SOLE |  | 4025 | 0 | 0 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 | BBG001T0Y6Y7 | 1133452 | 4644 | SH |  | SOLE |  | 4644 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 950375 | 21624 | SH |  | SOLE |  | 21624 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 2572667 | 7536 | SH |  | SOLE |  | 7536 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 4087411 | 39661 | SH |  | SOLE |  | 39661 | 0 | 0 |

---