# EDGAR Filing Document

**Accession Number:** 0002032497
**File Stem:** 0002032497-26-000003
**Filing Date:** 2026-4
**Character Count:** 9035
**Document Hash:** 13e8cb404b7be4fa167836f40d1fd8e6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002032497-26-000003.hdr.sgml**: 20260416

**ACCESSION NUMBER**: 0002032497-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260416

**DATE AS OF CHANGE**: 20260416

**EFFECTIVENESS DATE**: 20260416

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GEN Financial Management, INC.
- **CENTRAL INDEX KEY:** 0002032497

**ORGANIZATION NAME:**
- **EIN:** 411900819
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24616
- **FILM NUMBER:** 26866362

**BUSINESS ADDRESS:**
- **STREET 1:** 10810 OLD COUNTY ROAD 15
- **STREET 2:** SUITE 200
- **CITY:** PLYMOUTH
- **STATE:** MN
- **ZIP:** 55441
- **BUSINESS PHONE:** 952-513-1466

**MAIL ADDRESS:**
- **STREET 1:** 10810 OLD COUNTY ROAD 15
- **STREET 2:** SUITE 200
- **CITY:** PLYMOUTH
- **STATE:** MN
- **ZIP:** 55441

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** GEN Financial Management INC.<br>**Address:** 10810 OLD COUNTY ROAD 15<br>SUITE 200<br>PLYMOUTH, MN 55441

**Form 13F File Number:** 028-24616

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:** Serena Grunenwald<br>**Title:** Client Service Associate<br>**Phone:** (952) 800-8799

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

Serena Grunenwald  PLYMOUTH, MN  04-16-2026<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:** 51

**Form 13F Information Table Value Total:** $161532639

      (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 |
| ABRDN NATL MUN INCOME FD | SH BEN INT | 24610T108 |  | 132708 | 13324 | SH |  | SOLE |  | 0 | 0 | 13324 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 259955 | 904 | SH |  | SOLE |  | 0 | 0 | 880 |
| AMAZON COM INC | COM | 023135106 |  | 237429 | 1140 | SH |  | SOLE |  | 0 | 0 | 1119 |
| AMERICAN CENTY ETF TR | AVANTIS US MID C | 025072125 |  | 744434 | 10305 | SH |  | SOLE |  | 0 | 0 | 10143 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 462649 | 4188 | SH |  | SOLE |  | 0 | 0 | 4188 |
| APPLE INC | COM | 037833100 |  | 445656 | 1756 | SH |  | SOLE |  | 0 | 0 | 1702 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1110307 | 2317 | SH |  | SOLE |  | 0 | 0 | 2317 |
| BROADCOM INC | COM | 11135F101 |  | 344486 | 1113 | SH |  | SOLE |  | 0 | 0 | 1085 |
| CHEVRON CORPORATION | COM | 166764100 |  | 236280 | 1142 | SH |  | SOLE |  | 0 | 0 | 1142 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 1011929 | 23968 | SH |  | SOLE |  | 0 | 0 | 23968 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 1877121 | 52832 | SH |  | SOLE |  | 0 | 0 | 52832 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 10606078 | 315001 | SH |  | SOLE |  | 0 | 0 | 310372 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 324552 | 8229 | SH |  | SOLE |  | 0 | 0 | 8229 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 1115887 | 30356 | SH |  | SOLE |  | 0 | 0 | 30356 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 2062717 | 57763 | SH |  | SOLE |  | 0 | 0 | 57763 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 519507 | 21966 | SH |  | SOLE |  | 0 | 0 | 21383 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 1099065 | 31366 | SH |  | SOLE |  | 0 | 0 | 31366 |
| FIDELITY COVINGTON TRUST | SML MID MLTFCT | 316092527 |  | 13568562 | 303411 | SH |  | SOLE |  | 0 | 0 | 297919 |
| HONEYWELL INTL INC | COM | 438516106 |  | 352381 | 1559 | SH |  | SOLE |  | 0 | 0 | 1559 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 |  | 295174 | 4587 | SH |  | SOLE |  | 0 | 0 | 3807 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 838443 | 9475 | SH |  | SOLE |  | 0 | 0 | 9475 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 589233 | 4137 | SH |  | SOLE |  | 0 | 0 | 4137 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1220197 | 1868 | SH |  | SOLE |  | 0 | 0 | 1868 |
| ISHARES TR | GLB INFRASTR ETF | 464288372 |  | 330109 | 4927 | SH |  | SOLE |  | 0 | 0 | 4927 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 354833 | 6751 | SH |  | SOLE |  | 0 | 0 | 6751 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 247406 | 1788 | SH |  | SOLE |  | 0 | 0 | 1788 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 781817 | 6912 | SH |  | SOLE |  | 0 | 0 | 6912 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 484379 | 2294 | SH |  | SOLE |  | 0 | 0 | 2294 |
| MICROSOFT CORP | COM | 594918104 |  | 609300 | 1646 | SH |  | SOLE |  | 0 | 0 | 1546 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 12586040 | 201184 | SH |  | SOLE |  | 0 | 0 | 198538 |
| PENTAIR PLC | SHS | G7S00T104 |  | 238160 | 2734 | SH |  | SOLE |  | 0 | 0 | 2720 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 23873727 | 931113 | SH |  | SOLE |  | 0 | 0 | 919865 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A821 |  | 2332980 | 24312 | SH |  | SOLE |  | 0 | 0 | 24312 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 899429 | 6163 | SH |  | SOLE |  | 0 | 0 | 6163 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 2762849 | 28595 | SH |  | SOLE |  | 0 | 0 | 28595 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 1782013 | 4371 | SH |  | SOLE |  | 0 | 0 | 4371 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2329528 | 31634 | SH |  | SOLE |  | 0 | 0 | 31634 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 382192 | 875 | SH |  | SOLE |  | 0 | 0 | 875 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 867861 | 2904 | SH |  | SOLE |  | 0 | 0 | 2904 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 422054 | 1640 | SH |  | SOLE |  | 0 | 0 | 1640 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 328989 | 3709 | SH |  | SOLE |  | 0 | 0 | 3709 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 880152 | 2912 | SH |  | SOLE |  | 0 | 0 | 2912 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 1121891 | 14830 | SH |  | SOLE |  | 0 | 0 | 14830 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 677085 | 12527 | SH |  | SOLE |  | 0 | 0 | 12527 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 1041467 | 7529 | SH |  | SOLE |  | 0 | 0 | 7529 |
| VANGUARD MALVERN FDS | CORE BD ETF | 922020748 |  | 8396463 | 108509 | SH |  | SOLE |  | 0 | 0 | 106690 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1826922 | 36619 | SH |  | SOLE |  | 0 | 0 | 36619 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 12732572 | 217502 | SH |  | SOLE |  | 0 | 0 | 215132 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 24450853 | 113693 | SH |  | SOLE |  | 0 | 0 | 111762 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 1397856 | 13821 | SH |  | SOLE |  | 0 | 0 | 13821 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 17938962 | 202792 | SH |  | SOLE |  | 0 | 0 | 198968 |

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