# EDGAR Filing Document

**Accession Number:** 0002106810
**File Stem:** 0001754960-26-000106
**Filing Date:** 2026-1
**Character Count:** 7535
**Document Hash:** 207364e9a6ce8a99f9b788eb6ff4ff3b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-26-000106.hdr.sgml**: 20260123

**ACCESSION NUMBER**: 0001754960-26-000106

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260123

**DATE AS OF CHANGE**: 20260123

**EFFECTIVENESS DATE**: 20260123

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Calder Financial LLC
- **CENTRAL INDEX KEY:** 0002106810

**ORGANIZATION NAME:**
- **EIN:** 822222753
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25965
- **FILM NUMBER:** 26555722

**BUSINESS ADDRESS:**
- **STREET 1:** 24 FOUNDERS WAY
- **CITY:** DOWNINGTOWN
- **STATE:** PA
- **ZIP:** 19335
- **BUSINESS PHONE:** 6104588373

**MAIL ADDRESS:**
- **STREET 1:** 24 FOUNDERS WAY
- **CITY:** DOWNINGTOWN
- **STATE:** PA
- **ZIP:** 19335

### 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:** Calder Financial LLC<br>**Address:** 24 FOUNDERS WAY<br>DOWNINGTOWN, PA 19335

**Form 13F File Number:** 028-25965

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:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

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

Aryn Sands  Reno, NV  01-23-2026<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:** 39

**Form 13F Information Table Value Total:** $101855613

      (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 |
| WILLIS TOWERS WATSON PLC LTD | SHS | G96629103 |  | 982843 | 2991 | SH |  | SOLE |  | 0 | 0 | 2991 |
| AMETEK INC | COM | 031100100 |  | 687029 | 3346 | SH |  | SOLE |  | 0 | 0 | 3346 |
| APPLE INC | COM | 037833100 |  | 627277 | 2307 | SH |  | SOLE |  | 0 | 0 | 2307 |
| HONEYWELL INTL INC | COM | 438516106 |  | 278694 | 1429 | SH |  | SOLE |  | 0 | 0 | 1429 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 483222 | 787 | SH |  | SOLE |  | 0 | 0 | 787 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 1342400 | 12214 | SH |  | SOLE |  | 0 | 0 | 12214 |
| ISHARES TR | CORE S ETF | 464287200 |  | 293133 | 428 | SH |  | SOLE |  | 0 | 0 | 428 |
| MICROSOFT CORP | COM | 594918104 |  | 1918975 | 3968 | SH |  | SOLE |  | 0 | 0 | 3968 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 802662 | 4304 | SH |  | SOLE |  | 0 | 0 | 4304 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 3156474 | 4629 | SH |  | SOLE |  | 0 | 0 | 4629 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 807283 | 2037 | SH |  | SOLE |  | 0 | 0 | 2037 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 200330 | 417 | SH |  | SOLE |  | 0 | 0 | 417 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 5133451 | 23357 | SH |  | SOLE |  | 0 | 0 | 23357 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 1671580 | 22158 | SH |  | SOLE |  | 0 | 0 | 22158 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 457605 | 1822 | SH |  | SOLE |  | 0 | 0 | 1822 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 1559321 | 20022 | SH |  | SOLE |  | 0 | 0 | 20022 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 419884 | 2926 | SH |  | SOLE |  | 0 | 0 | 2926 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1413171 | 28572 | SH |  | SOLE |  | 0 | 0 | 28572 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 16490389 | 330867 | SH |  | SOLE |  | 0 | 0 | 330867 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 1935713 | 9164 | SH |  | SOLE |  | 0 | 0 | 9164 |
| VANGUARD WORLD FD | ENERGY ETF | 92204A306 |  | 403281 | 3203 | SH |  | SOLE |  | 0 | 0 | 3203 |
| VANGUARD WORLD FD | FINANCIALS ETF | 92204A405 |  | 607150 | 4548 | SH |  | SOLE |  | 0 | 0 | 4548 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 252960 | 879 | SH |  | SOLE |  | 0 | 0 | 879 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 2011059 | 6740 | SH |  | SOLE |  | 0 | 0 | 6740 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 906109 | 1202 | SH |  | SOLE |  | 0 | 0 | 1202 |
| VANGUARD WORLD FD | MATERIALS ETF | 92204A801 |  | 317130 | 1528 | SH |  | SOLE |  | 0 | 0 | 1528 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 1467734 | 7932 | SH |  | SOLE |  | 0 | 0 | 7932 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 10339085 | 176044 | SH |  | SOLE |  | 0 | 0 | 176044 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 273236 | 3263 | SH |  | SOLE |  | 0 | 0 | 3263 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 15230393 | 24286 | SH |  | SOLE |  | 0 | 0 | 24286 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 272052 | 1285 | SH |  | SOLE |  | 0 | 0 | 1285 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1514204 | 5217 | SH |  | SOLE |  | 0 | 0 | 5217 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 1592787 | 5060 | SH |  | SOLE |  | 0 | 0 | 5060 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 1812727 | 8668 | SH |  | SOLE |  | 0 | 0 | 8668 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 4577058 | 9382 | SH |  | SOLE |  | 0 | 0 | 9382 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4852965 | 25410 | SH |  | SOLE |  | 0 | 0 | 25410 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1549604 | 6007 | SH |  | SOLE |  | 0 | 0 | 6007 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 12369491 | 36894 | SH |  | SOLE |  | 0 | 0 | 36894 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 845152 | 20750 | SH |  | SOLE |  | 0 | 0 | 20750 |

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