# EDGAR Filing Document

**Accession Number:** 0002055328
**File Stem:** 0002055328-26-000002
**Filing Date:** 2026-5
**Character Count:** 14620
**Document Hash:** 67e0ac3eb2607259fc6011906680dd33
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002055328-26-000002.hdr.sgml**: 20260514

**ACCESSION NUMBER**: 0002055328-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260514

**DATE AS OF CHANGE**: 20260514

**EFFECTIVENESS DATE**: 20260514

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Frederick Financial Consultants, LLC
- **CENTRAL INDEX KEY:** 0002055328

**ORGANIZATION NAME:**
- **EIN:** 863521676
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25065
- **FILM NUMBER:** 26980258

**BUSINESS ADDRESS:**
- **STREET 1:** 7101 GUILFORD DRIVE,
- **STREET 2:** SUITE 104
- **CITY:** FREDERICK
- **STATE:** MD
- **ZIP:** 21704
- **BUSINESS PHONE:** 301-228-9300

**MAIL ADDRESS:**
- **STREET 1:** 7101 GUILFORD DRIVE,
- **STREET 2:** SUITE 104
- **CITY:** FREDERICK
- **STATE:** MD
- **ZIP:** 21704

### 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:** Frederick Financial Consultants LLC<br>**Address:** 7101 GUILFORD DRIVE<br>SUITE 104<br>FREDERICK, MD 21704

**Form 13F File Number:** 028-25065

**CRD Number (if applicable):** 000314290

**SEC File Number (if applicable):** 801-121334

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:** Brian Runkles<br>**Title:** Chief Compliance Officer<br>**Phone:** 301-228-9300

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

Brian Runkles  Frederick, MD  05-14-2026<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:** 109

**Form 13F Information Table Value Total:** $200990322

      (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 |  | 558114 | 2566 | SH |  | SOLE |  | 0 | 0 | 2566 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1309852 | 4555 | SH |  | SOLE |  | 0 | 0 | 4555 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1511296 | 5268 | SH |  | SOLE |  | 0 | 0 | 5268 |
| AMAZON COM INC | COM | 023135106 |  | 1293862 | 6212 | SH |  | SOLE |  | 0 | 0 | 6212 |
| AMERICAN CENTY ETF TR | DIVERSIFIED MU | 025072505 |  | 437931 | 8750 | SH |  | SOLE |  | 0 | 0 | 8750 |
| APPLE INC | COM | 037833100 |  | 4717515 | 18588 | SH |  | SOLE |  | 0 | 0 | 18588 |
| AT INC | COM | 00206R102 |  | 360679 | 12442 | SH |  | SOLE |  | 0 | 0 | 12442 |
| BANK AMERICA CORP | COM | 060505104 |  | 358466 | 7353 | SH |  | SOLE |  | 0 | 0 | 7353 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 281770 | 588 | SH |  | SOLE |  | 0 | 0 | 588 |
| BROADCOM INC | COM | 11135F101 |  | 680335 | 2198 | SH |  | SOLE |  | 0 | 0 | 2198 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 554765 | 3041 | SH |  | SOLE |  | 0 | 0 | 3041 |
| CHEVRON CORPORATION | COM | 166764100 |  | 220466 | 1066 | SH |  | SOLE |  | 0 | 0 | 1066 |
| COCA COLA CO | COM | 191216100 |  | 312303 | 4107 | SH |  | SOLE |  | 0 | 0 | 4107 |
| COLUMBIA ETF TR I | MULTI SEC MUNI | 19761L607 |  | 2954941 | 144073 | SH |  | SOLE |  | 0 | 0 | 144073 |
| COLUMBIA ETF TR I | RESH ENHNC VLU | 19761L805 |  | 752696 | 26300 | SH |  | SOLE |  | 0 | 0 | 26300 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 210115 | 752 | SH |  | SOLE |  | 0 | 0 | 752 |
| DEERE  CO | COM | 244199105 |  | 572670 | 1017 | SH |  | SOLE |  | 0 | 0 | 1017 |
| DOVER CORP | COM | 260003108 |  | 354157 | 1699 | SH |  | SOLE |  | 0 | 0 | 1699 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 772266 | 4552 | SH |  | SOLE |  | 0 | 0 | 4552 |
| FEDERATED HERMES ETF TRUST | MDT MARKET NEUTR | 31423L875 |  | 12765446 | 491754 | SH |  | SOLE |  | 0 | 0 | 491754 |
| FEDERATED HERMES ETF TRUST | MDT SMALL CAP | 31423L602 |  | 10921129 | 367839 | SH |  | SOLE |  | 0 | 0 | 367839 |
| FIRST TR EXCHANGE TRADED FD | DORSEY WRT 5 ETF | 33738R605 |  | 12285711 | 203280 | SH |  | SOLE |  | 0 | 0 | 203280 |
| FIRST TR EXCH TRADED FD III | LNG/SHT EQUITY | 33739P103 |  | 2505050 | 35603 | SH |  | SOLE |  | 0 | 0 | 35603 |
| FIRST TR EXCH TRADED FD III | MERGER ARBITRA | 33740J203 |  | 1281082 | 61888 | SH |  | SOLE |  | 0 | 0 | 61888 |
| FIRST TR EXCHANGE TRADED FD | RBA INDL ETF | 33738R704 |  | 14837318 | 133935 | SH |  | SOLE |  | 0 | 0 | 133935 |
| FIRST TR EXCHANGE TRADED FD | RISNG DIVD ACHIV | 33738R506 |  | 7952404 | 116468 | SH |  | SOLE |  | 0 | 0 | 116468 |
| FIRST TR EXCHANGE TRADED FD | SMID RISNG ETF | 33741X102 |  | 740074 | 18769 | SH |  | SOLE |  | 0 | 0 | 18769 |
| FS KKR CAP CORP | COM | 302635206 |  | 175595 | 17249 | SH |  | SOLE |  | 0 | 0 | 17249 |
| FS SPECIALTY LENDING FD | COM SH BEN INT | 644323107 |  | 131693 | 10527 | SH |  | SOLE |  | 0 | 0 | 10527 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST LADDERED | 33740F755 |  | 10137359 | 300188 | SH |  | SOLE |  | 0 | 0 | 300188 |
| FIRST TR EXCHNG TRADED FD VI | VEST NASDAQ-100 | 33740F193 |  | 1016835 | 43919 | SH |  | SOLE |  | 0 | 0 | 43919 |
| GOLDMAN SACHS ETF TR | S 500 PREMIUM | 38149W622 |  | 1569509 | 31365 | SH |  | SOLE |  | 0 | 0 | 31365 |
| HERSHEY CO | COM | 427866108 |  | 305002 | 1467 | SH |  | SOLE |  | 0 | 0 | 1467 |
| HOME DEPOT INC | COM | 437076102 |  | 254561 | 774 | SH |  | SOLE |  | 0 | 0 | 774 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1496006 | 6172 | SH |  | SOLE |  | 0 | 0 | 6172 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1794373 | 3109 | SH |  | SOLE |  | 0 | 0 | 3109 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 302409 | 1576 | SH |  | SOLE |  | 0 | 0 | 1576 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1071412 | 10644 | SH |  | SOLE |  | 0 | 0 | 10644 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 271126 | 2286 | SH |  | SOLE |  | 0 | 0 | 2286 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 447698 | 5059 | SH |  | SOLE |  | 0 | 0 | 5059 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1693270 | 2592 | SH |  | SOLE |  | 0 | 0 | 2592 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 204775 | 1438 | SH |  | SOLE |  | 0 | 0 | 1438 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 384648 | 2480 | SH |  | SOLE |  | 0 | 0 | 2480 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 215241 | 1522 | SH |  | SOLE |  | 0 | 0 | 1522 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 225898 | 1864 | SH |  | SOLE |  | 0 | 0 | 1864 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 273975 | 2074 | SH |  | SOLE |  | 0 | 0 | 2074 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 569565 | 13383 | SH |  | SOLE |  | 0 | 0 | 13383 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 776432 | 8266 | SH |  | SOLE |  | 0 | 0 | 8266 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 295153 | 2133 | SH |  | SOLE |  | 0 | 0 | 2133 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1304673 | 13432 | SH |  | SOLE |  | 0 | 0 | 13432 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 366550 | 6454 | SH |  | SOLE |  | 0 | 0 | 6454 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 217939 | 2350 | SH |  | SOLE |  | 0 | 0 | 2350 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 359029 | 1872 | SH |  | SOLE |  | 0 | 0 | 1872 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 343011 | 962 | SH |  | SOLE |  | 0 | 0 | 962 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 8635896 | 20253 | SH |  | SOLE |  | 0 | 0 | 20253 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1380308 | 6460 | SH |  | SOLE |  | 0 | 0 | 6460 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 2657689 | 10716 | SH |  | SOLE |  | 0 | 0 | 10716 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 1206962 | 3846 | SH |  | SOLE |  | 0 | 0 | 3846 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1445813 | 7626 | SH |  | SOLE |  | 0 | 0 | 7626 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 206637 | 1139 | SH |  | SOLE |  | 0 | 0 | 1139 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 |  | 4231802 | 63048 | SH |  | SOLE |  | 0 | 0 | 63048 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 832814 | 3407 | SH |  | SOLE |  | 0 | 0 | 3407 |
| J P MORGAN EXCHANGE TRADED F | BETABUILDRS US | 46641Q399 |  | 202253 | 1726 | SH |  | SOLE |  | 0 | 0 | 1726 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 460885 | 1567 | SH |  | SOLE |  | 0 | 0 | 1567 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 1446536 | 25521 | SH |  | SOLE |  | 0 | 0 | 25521 |
| LEIDOS HOLDINGS INC | COM | 525327102 |  | 230971 | 1485 | SH |  | SOLE |  | 0 | 0 | 1485 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 1856222 | 3071 | SH |  | SOLE |  | 0 | 0 | 3071 |
| LOWES COS INC | COM | 548661107 |  | 356607 | 1509 | SH |  | SOLE |  | 0 | 0 | 1509 |
| M  T BK CORP | COM | 55261F104 |  | 250916 | 1214 | SH |  | SOLE |  | 0 | 0 | 1214 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 1155292 | 3532 | SH |  | SOLE |  | 0 | 0 | 3532 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 436547 | 874 | SH |  | SOLE |  | 0 | 0 | 874 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 |  | 361091 | 7159 | SH |  | SOLE |  | 0 | 0 | 7159 |
| MCDONALDS CORP | COM | 580135101 |  | 206239 | 664 | SH |  | SOLE |  | 0 | 0 | 664 |
| META PLATFORMS INC | CL A | 30303M102 |  | 767659 | 1342 | SH |  | SOLE |  | 0 | 0 | 1342 |
| MICROSOFT CORP | COM | 594918104 |  | 1673176 | 4520 | SH |  | SOLE |  | 0 | 0 | 4520 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 316390 | 1923 | SH |  | SOLE |  | 0 | 0 | 1923 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 466037 | 5018 | SH |  | SOLE |  | 0 | 0 | 5018 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 221564 | 772 | SH |  | SOLE |  | 0 | 0 | 772 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3277234 | 18791 | SH |  | SOLE |  | 0 | 0 | 18791 |
| PEPSICO INC | COM | 713448108 |  | 269591 | 1736 | SH |  | SOLE |  | 0 | 0 | 1736 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 203753 | 1232 | SH |  | SOLE |  | 0 | 0 | 1232 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 721240 | 3466 | SH |  | SOLE |  | 0 | 0 | 3466 |
| PROSHARES TR | HD REPLICATION | 74347X294 |  | 3661680 | 71035 | SH |  | SOLE |  | 0 | 0 | 71035 |
| S  T BANCORP INC | COM | 783859101 |  | 393644 | 9411 | SH |  | SOLE |  | 0 | 0 | 9411 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 415591 | 13546 | SH |  | SOLE |  | 0 | 0 | 13546 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 4061689 | 12671 | SH |  | SOLE |  | 0 | 0 | 12671 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 1403770 | 15145 | SH |  | SOLE |  | 0 | 0 | 15145 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 697070 | 1620 | SH |  | SOLE |  | 0 | 0 | 1620 |
| SPDR SERIES TRUST | BLOOMBERG EMERGI | 78464A391 |  | 261958 | 12692 | SH |  | SOLE |  | 0 | 0 | 12692 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A607 |  | 10833585 | 107295 | SH |  | SOLE |  | 0 | 0 | 107295 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 1042672 | 1603 | SH |  | SOLE |  | 0 | 0 | 1603 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R671 |  | 12835700 | 150057 | SH |  | SOLE |  | 0 | 0 | 150057 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R648 |  | 207771 | 3553 | SH |  | SOLE |  | 0 | 0 | 3553 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 |  | 297097 | 879 | SH |  | SOLE |  | 0 | 0 | 879 |
| TESLA INC | COM | 88160R101 |  | 1588860 | 4274 | SH |  | SOLE |  | 0 | 0 | 4274 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 277740 | 6042 | SH |  | SOLE |  | 0 | 0 | 6042 |
| UNITED THERAPEUTICS CORP DEL | COM | 91307C102 |  | 592980 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 205227 | 758 | SH |  | SOLE |  | 0 | 0 | 758 |
| VANECK ETF TRUST | URANIUM AND NUCL | 92189F601 |  | 333502 | 2504 | SH |  | SOLE |  | 0 | 0 | 2504 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 5848562 | 27195 | SH |  | SOLE |  | 0 | 0 | 27195 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1764430 | 32644 | SH |  | SOLE |  | 0 | 0 | 32644 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 272809 | 391 | SH |  | SOLE |  | 0 | 0 | 391 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 3834759 | 43350 | SH |  | SOLE |  | 0 | 0 | 43350 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 5224194 | 47627 | SH |  | SOLE |  | 0 | 0 | 47627 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 586466 | 2700 | SH |  | SOLE |  | 0 | 0 | 2700 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 210172 | 802 | SH |  | SOLE |  | 0 | 0 | 802 |
| VISA INC | COM CL A | 92826C839 |  | 308214 | 1020 | SH |  | SOLE |  | 0 | 0 | 1020 |
| WALMART INC | COM | 931142103 |  | 265332 | 2135 | SH |  | SOLE |  | 0 | 0 | 2135 |
| WELLS FARGO  CO | COM | 949746101 |  | 380574 | 4780 | SH |  | SOLE |  | 0 | 0 | 4780 |

---