# EDGAR Filing Document

**Accession Number:** 0002078684
**File Stem:** 0002078684-26-000001
**Filing Date:** 2026-1
**Character Count:** 15249
**Document Hash:** f1fb0c96a401df8c96c63c9b853bd2c3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002078684-26-000001.hdr.sgml**: 20260108

**ACCESSION NUMBER**: 0002078684-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260108

**DATE AS OF CHANGE**: 20260108

**EFFECTIVENESS DATE**: 20260108

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Gladwyn Financial Advisors, Inc.
- **CENTRAL INDEX KEY:** 0002078684

**ORGANIZATION NAME:**
- **EIN:** 541652082
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25671
- **FILM NUMBER:** 26518387

**BUSINESS ADDRESS:**
- **STREET 1:** 13603 GLADWYN COURT
- **CITY:** CHANTILLY
- **STATE:** VA
- **ZIP:** 20151
- **BUSINESS PHONE:** 7038108424

**MAIL ADDRESS:**
- **STREET 1:** 13603 GLADWYN COURT
- **CITY:** CHANTILLY
- **STATE:** VA
- **ZIP:** 20151

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Gladwyn Financial Advisors Inc.<br>**Address:** 13603 GLADWYN COURT<br>CHANTILLY, VA 20151

**Form 13F File Number:** 028-25671

**CRD Number (if applicable):** 000135544

**SEC File Number (if applicable):** 801-131574

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:** Timothy T. Murray<br>**Title:** President<br>**Phone:** 703-810-8424

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

Timothy T. Murray  Chantilly, X1  01-08-2026<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:** 117

**Form 13F Information Table Value Total:** $142323246

      (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 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 76460 | 157 | SH |  | OTR |  | 0 | 0 | 157 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 4351316 | 51956 | SH |  | SOLE |  | 0 | 0 | 51956 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 49639 | 1027 | SH |  | OTR |  | 0 | 0 | 1027 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 132554 | 1682 | SH |  | OTR |  | 0 | 0 | 1682 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 12432 | 305 | SH |  | OTR |  | 0 | 0 | 305 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 240450 | 3269 | SH |  | OTR |  | 0 | 0 | 3269 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 23430 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 730796 | 9103 | SH |  | OTR |  | 0 | 0 | 9103 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 92188 | 195 | SH |  | SOLE |  | 0 | 0 | 195 |
| ISHARES TR | MORNINGSTAR VALU | 464288109 |  | 4293 | 45 | SH |  | SOLE |  | 0 | 0 | 45 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 41535 | 759 | SH |  | SOLE |  | 0 | 0 | 759 |
| GE AEROSPACE | COM NEW | 369604301 |  | 432400 | 1404 | SH |  | OTR |  | 0 | 0 | 1404 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 25832 | 235 | SH |  | SOLE |  | 0 | 0 | 235 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 236685 | 703 | SH |  | SOLE |  | 0 | 0 | 703 |
| CHEMOURS CO | COM | 163851108 |  | 513 | 44 | SH |  | OTR |  | 0 | 0 | 44 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 63091 | 524 | SH |  | SOLE |  | 0 | 0 | 524 |
| CORTEVA INC | COM | 22052L104 |  | 22330 | 333 | SH |  | OTR |  | 0 | 0 | 333 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 94156 | 281 | SH |  | SOLE |  | 0 | 0 | 281 |
| WALMART INC | COM | 931142103 |  | 203633 | 1828 | SH |  | OTR |  | 0 | 0 | 1828 |
| UNION PAC CORP | COM | 907818108 |  | 71516 | 309 | SH |  | OTR |  | 0 | 0 | 309 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 6422471 | 119466 | SH |  | SOLE |  | 0 | 0 | 119466 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2315847 | 47927 | SH |  | SOLE |  | 0 | 0 | 47927 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 2959924 | 36710 | SH |  | SOLE |  | 0 | 0 | 36710 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 146992 | 1896 | SH |  | OTR |  | 0 | 0 | 1896 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 52889 | 277 | SH |  | OTR |  | 0 | 0 | 277 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 285469 | 945 | SH |  | OTR |  | 0 | 0 | 945 |
| DUPONT DE NEMOURS INC | COM | 26614N102 |  | 47699 | 1187 | SH |  | OTR |  | 0 | 0 | 1187 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 596887 | 1852 | SH |  | OTR |  | 0 | 0 | 1852 |
| CARNIVAL CORP | UNIT 99/99/9999 | 143658300 |  | 3054 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 2354166 | 21365 | SH |  | SOLE |  | 0 | 0 | 21365 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 4285372 | 35906 | SH |  | SOLE |  | 0 | 0 | 35906 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 14819 | 105 | SH |  | SOLE |  | 0 | 0 | 105 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 83567 | 1243 | SH |  | OTR |  | 0 | 0 | 1243 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 148820 | 719 | SH |  | OTR |  | 0 | 0 | 719 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 15206 | 464 | SH |  | SOLE |  | 0 | 0 | 464 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 15613 | 129 | SH |  | OTR |  | 0 | 0 | 129 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 82522 | 1224 | SH |  | OTR |  | 0 | 0 | 1224 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 884617 | 8857 | SH |  | SOLE |  | 0 | 0 | 8857 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 2395189 | 24877 | SH |  | SOLE |  | 0 | 0 | 24877 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 64813 | 673 | SH |  | OTR |  | 0 | 0 | 673 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 98224 | 696 | SH |  | OTR |  | 0 | 0 | 696 |
| ISHARES INC | JP MRG EM CRP BD | 464286251 |  | 3000558 | 65414 | SH |  | SOLE |  | 0 | 0 | 65414 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 143009 | 554 | SH |  | SOLE |  | 0 | 0 | 554 |
| CACI INTL INC | CL A | 127190304 |  | 692653 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 132825 | 3261 | SH |  | SOLE |  | 0 | 0 | 3261 |
| LINCOLN NATL CORP IND | COM | 534187109 |  | 9912 | 223 | SH |  | OTR |  | 0 | 0 | 223 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 2402027 | 35623 | SH |  | SOLE |  | 0 | 0 | 35623 |
| GE VERNOVA INC | COM | 36828A101 |  | 267887 | 410 | SH |  | OTR |  | 0 | 0 | 410 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 238097 | 1995 | SH |  | OTR |  | 0 | 0 | 1995 |
| AMAZON COM INC | COM | 023135106 |  | 331546 | 1430 | SH |  | SOLE |  | 0 | 0 | 1430 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 267833 | 444 | SH |  | SOLE |  | 0 | 0 | 444 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 1536 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 69745 | 334 | SH |  | SOLE |  | 0 | 0 | 334 |
| SELECT SECTOR SPDR TR | STATE STREET COM | 81369Y852 |  | 44686 | 380 | SH |  | SOLE |  | 0 | 0 | 380 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 2765 | 38 | SH |  | SOLE |  | 0 | 0 | 38 |
| PPG INDS INC | COM | 693506107 |  | 27741 | 271 | SH |  | OTR |  | 0 | 0 | 271 |
| QNITY ELECTRONICS INC | COMMON STOCK | 74743L100 |  | 48259 | 591 | SH |  | OTR |  | 0 | 0 | 591 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 47175 | 428 | SH |  | OTR |  | 0 | 0 | 428 |
| COCA COLA CO | COM | 191216100 |  | 509841 | 7293 | SH |  | OTR |  | 0 | 0 | 7293 |
| COCA COLA CO | COM | 191216100 |  | 45086 | 645 | SH |  | SOLE |  | 0 | 0 | 645 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 4252761 | 190195 | SH |  | SOLE |  | 0 | 0 | 190195 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 4646525 | 58278 | SH |  | SOLE |  | 0 | 0 | 58278 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 192656 | 3453 | SH |  | OTR |  | 0 | 0 | 3453 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 21221 | 235 | SH |  | SOLE |  | 0 | 0 | 235 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1266396 | 2596 | SH |  | SOLE |  | 0 | 0 | 2596 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 25659 | 306 | SH |  | OTR |  | 0 | 0 | 306 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 8149285 | 57731 | SH |  | SOLE |  | 0 | 0 | 57731 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 77459 | 972 | SH |  | OTR |  | 0 | 0 | 972 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 55730 | 254 | SH |  | OTR |  | 0 | 0 | 254 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 440626 | 5683 | SH |  | SOLE |  | 0 | 0 | 5683 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 224569 | 4177 | SH |  | OTR |  | 0 | 0 | 4177 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 1786987 | 5308 | SH |  | OTR |  | 0 | 0 | 5308 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 127061 | 9589 | SH |  | OTR |  | 0 | 0 | 9589 |
| GE HEALTHCARE TECHNOLOGIES I | COMMON STOCK | 36266G107 |  | 38146 | 465 | SH |  | OTR |  | 0 | 0 | 465 |
| VANGUARD WORLD FD | EXTENDED DUR | 921910709 |  | 84514 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 190539 | 1583 | SH |  | OTR |  | 0 | 0 | 1583 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1273069 | 6666 | SH |  | SOLE |  | 0 | 0 | 6666 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 138341 | 496 | SH |  | OTR |  | 0 | 0 | 496 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 203474 | 1929 | SH |  | OTR |  | 0 | 0 | 1929 |
| INGERSOLL RAND INC | COM | 45687V106 |  | 39639 | 500 | SH |  | OTR |  | 0 | 0 | 500 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 39675 | 328 | SH |  | SOLE |  | 0 | 0 | 328 |
| DOW INC | COM | 260557103 |  | 29568 | 1265 | SH |  | OTR |  | 0 | 0 | 1265 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 10458785 | 34619 | SH |  | SOLE |  | 0 | 0 | 34619 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 9725450 | 34841 | SH |  | SOLE |  | 0 | 0 | 34841 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 197932 | 509 | SH |  | OTR |  | 0 | 0 | 509 |
| 3M CO | COM | 88579Y101 |  | 159854 | 998 | SH |  | OTR |  | 0 | 0 | 998 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 52732 | 531 | SH |  | OTR |  | 0 | 0 | 531 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 10452923 | 49355 | SH |  | SOLE |  | 0 | 0 | 49355 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 299819 | 3718 | SH |  | OTR |  | 0 | 0 | 3718 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 88274 | 304 | SH |  | SOLE |  | 0 | 0 | 304 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 5352435 | 72763 | SH |  | SOLE |  | 0 | 0 | 72763 |
| SOLVENTUM CORP | COM SHS | 83444M101 |  | 54359 | 686 | SH |  | OTR |  | 0 | 0 | 686 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 435421 | 6478 | SH |  | SOLE |  | 0 | 0 | 6478 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 342677 | 2391 | SH |  | OTR |  | 0 | 0 | 2391 |
| MCDONALDS CORP | COM | 580135101 |  | 76859 | 251 | SH |  | OTR |  | 0 | 0 | 251 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 279645 | 1320 | SH |  | OTR |  | 0 | 0 | 1320 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 204601 | 1154 | SH |  | OTR |  | 0 | 0 | 1154 |
| ALLSTATE CORP | COM | 020002101 |  | 203233 | 976 | SH |  | OTR |  | 0 | 0 | 976 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 44056 | 804 | SH |  | SOLE |  | 0 | 0 | 804 |
| PFIZER INC | COM | 717081103 |  | 12749 | 512 | SH |  | OTR |  | 0 | 0 | 512 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 30634 | 74 | SH |  | OTR |  | 0 | 0 | 74 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 251768 | 11260 | SH |  | OTR |  | 0 | 0 | 11260 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 5975 | 73 | SH |  | SOLE |  | 0 | 0 | 73 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 6867236 | 47912 | SH |  | SOLE |  | 0 | 0 | 47912 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 4416355 | 79146 | SH |  | SOLE |  | 0 | 0 | 79146 |
| NORWEGIAN CRUISE LINE HLDG L | SHS | G66721104 |  | 2232 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2503554 | 3671 | SH |  | SOLE |  | 0 | 0 | 3671 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 3074833 | 232063 | SH |  | SOLE |  | 0 | 0 | 232063 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 4531192 | 57495 | SH |  | SOLE |  | 0 | 0 | 57495 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 181800 | 1268 | SH |  | OTR |  | 0 | 0 | 1268 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 10306759 | 58109 | SH |  | SOLE |  | 0 | 0 | 58109 |
| ISHARES INC | JP MRG EM CRP BD | 464286251 |  | 222814 | 4858 | SH |  | OTR |  | 0 | 0 | 4858 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 563698 | 8397 | SH |  | SOLE |  | 0 | 0 | 8397 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 7892126 | 19120 | SH |  | SOLE |  | 0 | 0 | 19120 |
| ALLEGION PLC | ORD SHS | G0176J109 |  | 55414 | 348 | SH |  | OTR |  | 0 | 0 | 348 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1178597 | 12273 | SH |  | SOLE |  | 0 | 0 | 12273 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 29965 | 251 | SH |  | SOLE |  | 0 | 0 | 251 |

---