# EDGAR Filing Document

**Accession Number:** 0001911735
**File Stem:** 0001911735-25-000003
**Filing Date:** 2025-8
**Character Count:** 15283
**Document Hash:** e59403126e891cc87dd2673135be47e5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001911735-25-000003.hdr.sgml**: 20250805

**ACCESSION NUMBER**: 0001911735-25-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250805

**DATE AS OF CHANGE**: 20250805

**EFFECTIVENESS DATE**: 20250805

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SS&H Financial Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001911735

**ORGANIZATION NAME:**
- **EIN:** 382399634
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22494
- **FILM NUMBER:** 251183250

**BUSINESS ADDRESS:**
- **STREET 1:** 50 WEST BIG BEAVER RD
- **STREET 2:** SUITE 225
- **CITY:** TROY
- **STATE:** MI
- **ZIP:** 48084
- **BUSINESS PHONE:** 2485389755

**MAIL ADDRESS:**
- **STREET 1:** 50 WEST BIG BEAVER RD
- **STREET 2:** SUITE 225
- **CITY:** TROY
- **STATE:** MI
- **ZIP:** 48084

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** SS Financial Advisors Inc.<br>**Address:** 50 WEST BIG BEAVER RD<br>SUITE 225<br>TROY, MI 48084

**Form 13F File Number:** 028-22494

**CRD Number (if applicable):** 000112256

**SEC File Number (if applicable):** 801-17015

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:** Robert Sinnaeve<br>**Title:** CCO<br>**Phone:** 2485389755

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

Robert Sinnaeve  Troy, MI  08-05-2025<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:** 123

**Form 13F Information Table Value Total:** $299325445

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 3935178 | 28933 | SH |  | SOLE |  | 0 | 0 | 28933 |
| ABBVIE INC | COM | 00287Y109 |  | 9135554 | 49216 | SH |  | SOLE |  | 0 | 0 | 49216 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 |  | 276300 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 2674468 | 8948 | SH |  | SOLE |  | 0 | 0 | 8948 |
| ADOBE INC | COM | 00724F101 |  | 222843 | 576 | SH |  | SOLE |  | 0 | 0 | 576 |
| AFLAC INC | COM | 001055102 |  | 2431486 | 23056 | SH |  | SOLE |  | 0 | 0 | 23056 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 255829 | 907 | SH |  | SOLE |  | 0 | 0 | 907 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 4538524 | 25585 | SH |  | SOLE |  | 0 | 0 | 25585 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1151840 | 6536 | SH |  | SOLE |  | 0 | 0 | 6536 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 208137 | 3550 | SH |  | SOLE |  | 0 | 0 | 3550 |
| AMAZON COM INC | COM | 023135106 |  | 8317514 | 37912 | SH |  | SOLE |  | 0 | 0 | 37912 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 1234566 | 11898 | SH |  | SOLE |  | 0 | 0 | 11898 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 |  | 1406723 | 10112 | SH |  | SOLE |  | 0 | 0 | 10112 |
| AMGEN INC | COM | 031162100 |  | 3330417 | 11928 | SH |  | SOLE |  | 0 | 0 | 11928 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 395000 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| AMPLIFY ETF TR | AMPLIFY CYBERSEC | 032108664 |  | 526857 | 6100 | SH |  | SOLE |  | 0 | 0 | 6100 |
| APPLE INC | COM | 037833100 |  | 15001228 | 73116 | SH |  | SOLE |  | 0 | 0 | 73116 |
| AT INC | COM | 00206R102 |  | 3892613 | 134506 | SH |  | SOLE |  | 0 | 0 | 134506 |
| ATMOS ENERGY CORP | COM | 049560105 |  | 880739 | 5715 | SH |  | SOLE |  | 0 | 0 | 5715 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 761748 | 2470 | SH |  | SOLE |  | 0 | 0 | 2470 |
| BANK AMERICA CORP | COM | 060505104 |  | 3194479 | 67508 | SH |  | SOLE |  | 0 | 0 | 67508 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 237056 | 488 | SH |  | SOLE |  | 0 | 0 | 488 |
| BOEING CO | COM | 097023105 |  | 1776815 | 8480 | SH |  | SOLE |  | 0 | 0 | 8480 |
| BP PLC | SPONSORED ADR | 055622104 |  | 208912 | 6980 | SH |  | SOLE |  | 0 | 0 | 6980 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 2453370 | 53000 | SH |  | SOLE |  | 0 | 0 | 53000 |
| BROADCOM INC | COM | 11135F101 |  | 226033 | 820 | SH |  | SOLE |  | 0 | 0 | 820 |
| CANADIAN PACIFIC KANSAS CITY | COM | 13646K108 |  | 514384 | 6489 | SH |  | SOLE |  | 0 | 0 | 6489 |
| CATERPILLAR INC | COM | 149123101 |  | 1368441 | 3525 | SH |  | SOLE |  | 0 | 0 | 3525 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1333331 | 9312 | SH |  | SOLE |  | 0 | 0 | 9312 |
| CIRRUS LOGIC INC | COM | 172755100 |  | 385744 | 3700 | SH |  | SOLE |  | 0 | 0 | 3700 |
| CISCO SYS INC | COM | 17275R102 |  | 4692239 | 67631 | SH |  | SOLE |  | 0 | 0 | 67631 |
| CLOROX CO DEL | COM | 189054109 |  | 312182 | 2600 | SH |  | SOLE |  | 0 | 0 | 2600 |
| COCA COLA CO | COM | 191216100 |  | 2798587 | 39556 | SH |  | SOLE |  | 0 | 0 | 39556 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 3200862 | 35213 | SH |  | SOLE |  | 0 | 0 | 35213 |
| COMERICA INC | COM | 200340107 |  | 512692 | 8595 | SH |  | SOLE |  | 0 | 0 | 8595 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 979333 | 10913 | SH |  | SOLE |  | 0 | 0 | 10913 |
| CORNING INC | COM | 219350105 |  | 3277231 | 62317 | SH |  | SOLE |  | 0 | 0 | 62317 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 3122794 | 3155 | SH |  | SOLE |  | 0 | 0 | 3155 |
| DARDEN RESTAURANTS INC | COM | 237194105 |  | 840275 | 3855 | SH |  | SOLE |  | 0 | 0 | 3855 |
| DEERE  CO | COM | 244199105 |  | 2023282 | 3979 | SH |  | SOLE |  | 0 | 0 | 3979 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 480025 | 8493 | SH |  | SOLE |  | 0 | 0 | 8493 |
| DOVER CORP | COM | 260003108 |  | 201553 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| DOW INC | COM | 260557103 |  | 622610 | 23512 | SH |  | SOLE |  | 0 | 0 | 23512 |
| DT MIDSTREAM INC | COMMON STOCK | 23345M107 |  | 648469 | 5900 | SH |  | SOLE |  | 0 | 0 | 5900 |
| DTE ENERGY CO | COM | 233331107 |  | 609316 | 4600 | SH |  | SOLE |  | 0 | 0 | 4600 |
| EATON CORP PLC | SHS | G29183103 |  | 477296 | 1337 | SH |  | SOLE |  | 0 | 0 | 1337 |
| ELI LILLY  CO | COM | 532457108 |  | 961941 | 1234 | SH |  | SOLE |  | 0 | 0 | 1234 |
| EMERSON ELEC CO | COM | 291011104 |  | 1919952 | 14400 | SH |  | SOLE |  | 0 | 0 | 14400 |
| ESSENTIAL UTILS INC | COM | 29670G102 |  | 411289 | 11074 | SH |  | SOLE |  | 0 | 0 | 11074 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 5784117 | 53656 | SH |  | SOLE |  | 0 | 0 | 53656 |
| FEDEX CORP | COM | 31428X106 |  | 653517 | 2875 | SH |  | SOLE |  | 0 | 0 | 2875 |
| FLUOR CORP NEW | COM | 343412102 |  | 2363547 | 46100 | SH |  | SOLE |  | 0 | 0 | 46100 |
| FORD MTR CO | COM | 345370860 |  | 391327 | 36067 | SH |  | SOLE |  | 0 | 0 | 36067 |
| GE AEROSPACE | COM NEW | 369604301 |  | 3850298 | 14959 | SH |  | SOLE |  | 0 | 0 | 14959 |
| GE HEALTHCARE TECHNOLOGIES I | COMMON STOCK | 36266G107 |  | 341389 | 4609 | SH |  | SOLE |  | 0 | 0 | 4609 |
| GENERAL MLS INC | COM | 370334104 |  | 756841 | 14608 | SH |  | SOLE |  | 0 | 0 | 14608 |
| GLOBAL PMTS INC | COM | 37940X102 |  | 327764 | 4095 | SH |  | SOLE |  | 0 | 0 | 4095 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 283100 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| HOME DEPOT INC | COM | 437076102 |  | 364807 | 995 | SH |  | SOLE |  | 0 | 0 | 995 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1095002 | 4702 | SH |  | SOLE |  | 0 | 0 | 4702 |
| HUNTINGTON INGALLS INDS INC | COM | 446413106 |  | 1109509 | 4595 | SH |  | SOLE |  | 0 | 0 | 4595 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 1520588 | 6150 | SH |  | SOLE |  | 0 | 0 | 6150 |
| INTEL CORP | COM | 458140100 |  | 205072 | 9155 | SH |  | SOLE |  | 0 | 0 | 9155 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 7432878 | 25215 | SH |  | SOLE |  | 0 | 0 | 25215 |
| INTUIT | COM | 461202103 |  | 823861 | 1046 | SH |  | SOLE |  | 0 | 0 | 1046 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 |  | 503352 | 7200 | SH |  | SOLE |  | 0 | 0 | 7200 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 330266 | 10066 | SH |  | SOLE |  | 0 | 0 | 10066 |
| ISHARES TR | CORE S ETF | 464287200 |  | 305483 | 492 | SH |  | SOLE |  | 0 | 0 | 492 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 1145131 | 37325 | SH |  | SOLE |  | 0 | 0 | 37325 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 1825092 | 9675 | SH |  | SOLE |  | 0 | 0 | 9675 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2603777 | 17046 | SH |  | SOLE |  | 0 | 0 | 17046 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 30597102 | 105540 | SH |  | SOLE |  | 0 | 0 | 105540 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 837980 | 6500 | SH |  | SOLE |  | 0 | 0 | 6500 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 2643755 | 27160 | SH |  | SOLE |  | 0 | 0 | 27160 |
| LAUDER ESTEE COS INC | CL A | 518439104 |  | 244824 | 3030 | SH |  | SOLE |  | 0 | 0 | 3030 |
| MAIN STR CAP CORP | COM | 56035L104 |  | 1134720 | 19200 | SH |  | SOLE |  | 0 | 0 | 19200 |
| MARATHON PETE CORP | COM | 56585A102 |  | 805634 | 4850 | SH |  | SOLE |  | 0 | 0 | 4850 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 1065519 | 3900 | SH |  | SOLE |  | 0 | 0 | 3900 |
| MASCO CORP | COM | 574599106 |  | 394205 | 6125 | SH |  | SOLE |  | 0 | 0 | 6125 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1744127 | 3104 | SH |  | SOLE |  | 0 | 0 | 3104 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 |  | 202440 | 2670 | SH |  | SOLE |  | 0 | 0 | 2670 |
| MCDONALDS CORP | COM | 580135101 |  | 581419 | 1990 | SH |  | SOLE |  | 0 | 0 | 1990 |
| MCKESSON CORP | COM | 58155Q103 |  | 2491452 | 3400 | SH |  | SOLE |  | 0 | 0 | 3400 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 475600 | 5456 | SH |  | SOLE |  | 0 | 0 | 5456 |
| MERCK  CO INC | COM | 58933Y105 |  | 4190968 | 52943 | SH |  | SOLE |  | 0 | 0 | 52943 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1207516 | 1636 | SH |  | SOLE |  | 0 | 0 | 1636 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 2559287 | 20765 | SH |  | SOLE |  | 0 | 0 | 20765 |
| MICROSOFT CORP | COM | 594918104 |  | 21104182 | 42428 | SH |  | SOLE |  | 0 | 0 | 42428 |
| NETFLIX INC | COM | 64110L106 |  | 301305 | 225 | SH |  | SOLE |  | 0 | 0 | 225 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 1672562 | 24093 | SH |  | SOLE |  | 0 | 0 | 24093 |
| NIKE INC | CL B | 654106103 |  | 725887 | 10218 | SH |  | SOLE |  | 0 | 0 | 10218 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 1433432 | 5600 | SH |  | SOLE |  | 0 | 0 | 5600 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 627475 | 1255 | SH |  | SOLE |  | 0 | 0 | 1255 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 22285497 | 141056 | SH |  | SOLE |  | 0 | 0 | 141056 |
| ORACLE CORP | COM | 68389X105 |  | 9125617 | 41740 | SH |  | SOLE |  | 0 | 0 | 41740 |
| PEPSICO INC | COM | 713448108 |  | 3392240 | 25691 | SH |  | SOLE |  | 0 | 0 | 25691 |
| PFIZER INC | COM | 717081103 |  | 1949066 | 80407 | SH |  | SOLE |  | 0 | 0 | 80407 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 10540771 | 66161 | SH |  | SOLE |  | 0 | 0 | 66161 |
| REALTY INCOME CORP | COM | 756109104 |  | 331825 | 5760 | SH |  | SOLE |  | 0 | 0 | 5760 |
| RTX CORPORATION | COM | 75513E105 |  | 756968 | 5184 | SH |  | SOLE |  | 0 | 0 | 5184 |
| S GLOBAL INC | COM | 78409V104 |  | 6267897 | 11887 | SH |  | SOLE |  | 0 | 0 | 11887 |
| SCHLUMBERGER LTD | COM STK | 806857108 |  | 1915987 | 56686 | SH |  | SOLE |  | 0 | 0 | 56686 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 538225 | 5899 | SH |  | SOLE |  | 0 | 0 | 5899 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 253625 | 1167 | SH |  | SOLE |  | 0 | 0 | 1167 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 489241 | 1932 | SH |  | SOLE |  | 0 | 0 | 1932 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 5981675 | 17421 | SH |  | SOLE |  | 0 | 0 | 17421 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 267612 | 2320 | SH |  | SOLE |  | 0 | 0 | 2320 |
| SMUCKER J M CO | COM NEW | 832696405 |  | 240590 | 2450 | SH |  | SOLE |  | 0 | 0 | 2450 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 4282557 | 14049 | SH |  | SOLE |  | 0 | 0 | 14049 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1641010 | 2656 | SH |  | SOLE |  | 0 | 0 | 2656 |
| STRYKER CORPORATION | COM | 863667101 |  | 553882 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| TESLA INC | COM | 88160R101 |  | 451078 | 1420 | SH |  | SOLE |  | 0 | 0 | 1420 |
| THE CIGNA GROUP | COM | 125523100 |  | 605623 | 1832 | SH |  | SOLE |  | 0 | 0 | 1832 |
| TJX COS INC NEW | COM | 872540109 |  | 815034 | 6600 | SH |  | SOLE |  | 0 | 0 | 6600 |
| TRACTOR SUPPLY CO | COM | 892356106 |  | 2542757 | 48186 | SH |  | SOLE |  | 0 | 0 | 48186 |
| UNION PAC CORP | COM | 907818108 |  | 3621000 | 15738 | SH |  | SOLE |  | 0 | 0 | 15738 |
| US BANCORP DEL | COM NEW | 902973304 |  | 414536 | 9161 | SH |  | SOLE |  | 0 | 0 | 9161 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 442510 | 8500 | SH |  | SOLE |  | 0 | 0 | 8500 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 2727082 | 63025 | SH |  | SOLE |  | 0 | 0 | 63025 |
| VIATRIS INC | COM | 92556V106 |  | 539310 | 60393 | SH |  | SOLE |  | 0 | 0 | 60393 |
| VISA INC | COM CL A | 92826C839 |  | 3282691 | 9246 | SH |  | SOLE |  | 0 | 0 | 9246 |
| WALMART INC | COM | 931142103 |  | 1001170 | 10239 | SH |  | SOLE |  | 0 | 0 | 10239 |
| ZOETIS INC | CL A | 98978V103 |  | 642203 | 4118 | SH |  | SOLE |  | 0 | 0 | 4118 |

---