# EDGAR Filing Document

**Accession Number:** 0001911735
**File Stem:** 0001911735-25-000005
**Filing Date:** 2025-10
**Character Count:** 15453
**Document Hash:** 919b86927942f53173e7dc5d655191e7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001911735-25-000005.hdr.sgml**: 20251017

**ACCESSION NUMBER**: 0001911735-25-000005

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251017

**DATE AS OF CHANGE**: 20251017

**EFFECTIVENESS DATE**: 20251017

**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:** 251400407

**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:** 09-30-2025

**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

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  10-17-2025<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:** 125

**Form 13F Information Table Value Total:** $329039551

      (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 |
| ADOBE INC | COM | 00724F101 |  | 203184 | 576 | SH |  | SOLE |  | 0 | 0 | 576 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 234513 | 3550 | SH |  | SOLE |  | 0 | 0 | 3550 |
| BP PLC | SPONSORED ADR | 055622104 |  | 240531 | 6980 | SH |  | SOLE |  | 0 | 0 | 6980 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 245338 | 488 | SH |  | SOLE |  | 0 | 0 | 488 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 247358 | 907 | SH |  | SOLE |  | 0 | 0 | 907 |
| SMUCKER J M CO | COM NEW | 832696405 |  | 266070 | 2450 | SH |  | SOLE |  | 0 | 0 | 2450 |
| LAUDER ESTEE COS INC | CL A | 518439104 |  | 267004 | 3030 | SH |  | SOLE |  | 0 | 0 | 3030 |
| NETFLIX INC | COM | 64110L106 |  | 269757 | 225 | SH |  | SOLE |  | 0 | 0 | 225 |
| BROADCOM INC | COM | 11135F101 |  | 270527 | 820 | SH |  | SOLE |  | 0 | 0 | 820 |
| COREWEAVE INC | COM CL A | 21873S108 |  | 273700 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 279660 | 1167 | SH |  | SOLE |  | 0 | 0 | 1167 |
| INTEL CORP | COM | 458140100 |  | 300441 | 8955 | SH |  | SOLE |  | 0 | 0 | 8955 |
| GE VERNOVA INC | COM | 36828A101 |  | 307450 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 318540 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| CLOROX CO DEL | COM | 189054109 |  | 320580 | 2600 | SH |  | SOLE |  | 0 | 0 | 2600 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 |  | 330900 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| ISHARES TR | CORE S ETF | 464287200 |  | 333981 | 499 | SH |  | SOLE |  | 0 | 0 | 499 |
| GLOBAL PMTS INC | COM | 37940X102 |  | 340213 | 4095 | SH |  | SOLE |  | 0 | 0 | 4095 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 344776 | 2320 | SH |  | SOLE |  | 0 | 0 | 2320 |
| GE HEALTHCARE TECHNOLOGIES I | COMMON STOCK | 36266G107 |  | 346136 | 4609 | SH |  | SOLE |  | 0 | 0 | 4609 |
| LUMEN TECHNOLOGIES INC | COM | 550241103 |  | 348492 | 56943 | SH |  | SOLE |  | 0 | 0 | 56943 |
| REALTY INCOME CORP | COM | 756109104 |  | 349472 | 5749 | SH |  | SOLE |  | 0 | 0 | 5749 |
| HOME DEPOT INC | COM | 437076102 |  | 403165 | 995 | SH |  | SOLE |  | 0 | 0 | 995 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 426497 | 10066 | SH |  | SOLE |  | 0 | 0 | 10066 |
| MASCO CORP | COM | 574599106 |  | 431139 | 6125 | SH |  | SOLE |  | 0 | 0 | 6125 |
| ESSENTIAL UTILS INC | COM | 29670G102 |  | 441853 | 11074 | SH |  | SOLE |  | 0 | 0 | 11074 |
| US BANCORP DEL | COM NEW | 902973304 |  | 442752 | 9161 | SH |  | SOLE |  | 0 | 0 | 9161 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 462533 | 1641 | SH |  | SOLE |  | 0 | 0 | 1641 |
| CIRRUS LOGIC INC | COM | 172755100 |  | 463573 | 3700 | SH |  | SOLE |  | 0 | 0 | 3700 |
| CANADIAN PACIFIC KANSAS CITY | COM | 13646K108 |  | 483366 | 6489 | SH |  | SOLE |  | 0 | 0 | 6489 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 495000 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 499210 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| EATON CORP PLC | SHS | G29183103 |  | 500373 | 1337 | SH |  | SOLE |  | 0 | 0 | 1337 |
| STRYKER CORPORATION | COM | 863667101 |  | 517538 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 |  | 519192 | 7200 | SH |  | SOLE |  | 0 | 0 | 7200 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 519517 | 8493 | SH |  | SOLE |  | 0 | 0 | 8493 |
| THE CIGNA GROUP | COM | 125523100 |  | 528074 | 1832 | SH |  | SOLE |  | 0 | 0 | 1832 |
| AMPLIFY ETF TR | AMPLIFY CYBERSEC | 032108664 |  | 529480 | 6100 | SH |  | SOLE |  | 0 | 0 | 6100 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 563178 | 5899 | SH |  | SOLE |  | 0 | 0 | 5899 |
| VIATRIS INC | COM | 92556V106 |  | 573795 | 57959 | SH |  | SOLE |  | 0 | 0 | 57959 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 574355 | 3550 | SH |  | SOLE |  | 0 | 0 | 3550 |
| COMERICA INC | COM | 200340107 |  | 588930 | 8595 | SH |  | SOLE |  | 0 | 0 | 8595 |
| ZOETIS INC | CL A | 98978V103 |  | 602546 | 4118 | SH |  | SOLE |  | 0 | 0 | 4118 |
| MCDONALDS CORP | COM | 580135101 |  | 604742 | 1990 | SH |  | SOLE |  | 0 | 0 | 1990 |
| TESLA INC | COM | 88160R101 |  | 631503 | 1420 | SH |  | SOLE |  | 0 | 0 | 1420 |
| INTUIT | COM | 461202103 |  | 646033 | 946 | SH |  | SOLE |  | 0 | 0 | 946 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 649400 | 8500 | SH |  | SOLE |  | 0 | 0 | 8500 |
| DTE ENERGY CO | COM | 233331107 |  | 650578 | 4600 | SH |  | SOLE |  | 0 | 0 | 4600 |
| DT MIDSTREAM INC | COMMON STOCK | 23345M107 |  | 667054 | 5900 | SH |  | SOLE |  | 0 | 0 | 5900 |
| FEDEX CORP | COM | 31428X106 |  | 677954 | 2875 | SH |  | SOLE |  | 0 | 0 | 2875 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 697345 | 2045 | SH |  | SOLE |  | 0 | 0 | 2045 |
| NIKE INC | CL B | 654106103 |  | 712502 | 10218 | SH |  | SOLE |  | 0 | 0 | 10218 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 724945 | 2470 | SH |  | SOLE |  | 0 | 0 | 2470 |
| DARDEN RESTAURANTS INC | COM | 237194105 |  | 733838 | 3855 | SH |  | SOLE |  | 0 | 0 | 3855 |
| GENERAL MLS INC | COM | 370334104 |  | 736536 | 14608 | SH |  | SOLE |  | 0 | 0 | 14608 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 808210 | 6500 | SH |  | SOLE |  | 0 | 0 | 6500 |
| TJX COS INC NEW | COM | 872540109 |  | 867240 | 6000 | SH |  | SOLE |  | 0 | 0 | 6000 |
| MARATHON PETE CORP | COM | 56585A102 |  | 934789 | 4850 | SH |  | SOLE |  | 0 | 0 | 4850 |
| ATMOS ENERGY CORP | COM | 049560105 |  | 950224 | 5565 | SH |  | SOLE |  | 0 | 0 | 5565 |
| HONEYWELL INTL INC | COM | 438516106 |  | 989771 | 4702 | SH |  | SOLE |  | 0 | 0 | 4702 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 1015716 | 3900 | SH |  | SOLE |  | 0 | 0 | 3900 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 1032261 | 10913 | SH |  | SOLE |  | 0 | 0 | 10913 |
| WALMART INC | COM | 931142103 |  | 1065538 | 10339 | SH |  | SOLE |  | 0 | 0 | 10339 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1201446 | 1636 | SH |  | SOLE |  | 0 | 0 | 1636 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 1205513 | 38125 | SH |  | SOLE |  | 0 | 0 | 38125 |
| MAIN STR CAP CORP | COM | 56035L104 |  | 1220928 | 19200 | SH |  | SOLE |  | 0 | 0 | 19200 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 1221687 | 2005 | SH |  | SOLE |  | 0 | 0 | 2005 |
| RTX CORPORATION | COM | 75513E101 |  | 1285764 | 7684 | SH |  | SOLE |  | 0 | 0 | 7684 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 1338557 | 11898 | SH |  | SOLE |  | 0 | 0 | 11898 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 |  | 1407532 | 10112 | SH |  | SOLE |  | 0 | 0 | 10112 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1461531 | 9412 | SH |  | SOLE |  | 0 | 0 | 9412 |
| ELI LILLY  CO | COM | 532457108 |  | 1551942 | 2034 | SH |  | SOLE |  | 0 | 0 | 2034 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 1559175 | 16371 | SH |  | SOLE |  | 0 | 0 | 16371 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1564592 | 6436 | SH |  | SOLE |  | 0 | 0 | 6436 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 1603674 | 6150 | SH |  | SOLE |  | 0 | 0 | 6150 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 1652255 | 5500 | SH |  | SOLE |  | 0 | 0 | 5500 |
| CATERPILLAR INC | COM | 149123101 |  | 1681954 | 3525 | SH |  | SOLE |  | 0 | 0 | 3525 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 1728221 | 22893 | SH |  | SOLE |  | 0 | 0 | 22893 |
| SCHLUMBERGER LTD | COM STK | 806857108 |  | 1762700 | 51286 | SH |  | SOLE |  | 0 | 0 | 51286 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1769375 | 2656 | SH |  | SOLE |  | 0 | 0 | 2656 |
| BOEING CO | COM | 097023105 |  | 1817289 | 8420 | SH |  | SOLE |  | 0 | 0 | 8420 |
| DEERE  CO | COM | 244199105 |  | 1819438 | 3979 | SH |  | SOLE |  | 0 | 0 | 3979 |
| EMERSON ELEC CO | COM | 291011104 |  | 1888992 | 14400 | SH |  | SOLE |  | 0 | 0 | 14400 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1907652 | 3354 | SH |  | SOLE |  | 0 | 0 | 3354 |
| FLUOR CORP NEW | COM | 343412102 |  | 1918392 | 45600 | SH |  | SOLE |  | 0 | 0 | 45600 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 2024591 | 9675 | SH |  | SOLE |  | 0 | 0 | 9675 |
| PFIZER INC | COM | 717081103 |  | 2163252 | 84900 | SH |  | SOLE |  | 0 | 0 | 84900 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 2206577 | 8948 | SH |  | SOLE |  | 0 | 0 | 8948 |
| HUNTINGTON INGALLS INDS INC | COM | 446413106 |  | 2337830 | 8120 | SH |  | SOLE |  | 0 | 0 | 8120 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 2521090 | 55900 | SH |  | SOLE |  | 0 | 0 | 55900 |
| AFLAC INC | COM | 001055102 |  | 2526208 | 22616 | SH |  | SOLE |  | 0 | 0 | 22616 |
| COCA COLA CO | COM | 191216100 |  | 2623354 | 39556 | SH |  | SOLE |  | 0 | 0 | 39556 |
| MCKESSON CORP | COM | 58155Q103 |  | 2626636 | 3400 | SH |  | SOLE |  | 0 | 0 | 3400 |
| TRACTOR SUPPLY CO | COM | 892356106 |  | 2740318 | 48186 | SH |  | SOLE |  | 0 | 0 | 48186 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 2774334 | 63125 | SH |  | SOLE |  | 0 | 0 | 63125 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 2814928 | 35213 | SH |  | SOLE |  | 0 | 0 | 35213 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 2919926 | 3155 | SH |  | SOLE |  | 0 | 0 | 3155 |
| VISA INC | COM CL A | 92826C839 |  | 3156302 | 9246 | SH |  | SOLE |  | 0 | 0 | 9246 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 3179212 | 17146 | SH |  | SOLE |  | 0 | 0 | 17146 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 3435874 | 25660 | SH |  | SOLE |  | 0 | 0 | 25660 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 3474400 | 20765 | SH |  | SOLE |  | 0 | 0 | 20765 |
| BANK AMERICA CORP | COM | 060505104 |  | 3482738 | 67508 | SH |  | SOLE |  | 0 | 0 | 67508 |
| PEPSICO INC | COM | 713448108 |  | 3551869 | 25291 | SH |  | SOLE |  | 0 | 0 | 25291 |
| ABBOTT LABS | COM | 002824100 |  | 3674377 | 27433 | SH |  | SOLE |  | 0 | 0 | 27433 |
| UNION PAC CORP | COM | 907818108 |  | 3719992 | 15738 | SH |  | SOLE |  | 0 | 0 | 15738 |
| AT INC | COM | 00206R102 |  | 3795635 | 134406 | SH |  | SOLE |  | 0 | 0 | 134406 |
| AMGEN INC | COM | 031162100 |  | 4318507 | 15303 | SH |  | SOLE |  | 0 | 0 | 15303 |
| MERCK  CO INC | COM | 58933Y105 |  | 4456096 | 53093 | SH |  | SOLE |  | 0 | 0 | 53093 |
| GE AEROSPACE | COM NEW | 369604301 |  | 4499967 | 14959 | SH |  | SOLE |  | 0 | 0 | 14959 |
| CISCO SYS INC | COM | 17275R102 |  | 4613630 | 67431 | SH |  | SOLE |  | 0 | 0 | 67431 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 4993999 | 14049 | SH |  | SOLE |  | 0 | 0 | 14049 |
| CORNING INC | COM | 219350105 |  | 5169252 | 63017 | SH |  | SOLE |  | 0 | 0 | 63017 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 5204288 | 15030 | SH |  | SOLE |  | 0 | 0 | 15030 |
| S GLOBAL INC | COM | 78409V104 |  | 5785522 | 11887 | SH |  | SOLE |  | 0 | 0 | 11887 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 6038439 | 53556 | SH |  | SOLE |  | 0 | 0 | 53556 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 6736593 | 27660 | SH |  | SOLE |  | 0 | 0 | 27660 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 7001801 | 24815 | SH |  | SOLE |  | 0 | 0 | 24815 |
| AMAZON COM INC | COM | 023135106 |  | 8409971 | 38302 | SH |  | SOLE |  | 0 | 0 | 38302 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 9710373 | 63198 | SH |  | SOLE |  | 0 | 0 | 63198 |
| ABBVIE INC | COM | 00287Y109 |  | 11302956 | 48816 | SH |  | SOLE |  | 0 | 0 | 48816 |
| ORACLE CORP | COM | 68389X105 |  | 12118632 | 43090 | SH |  | SOLE |  | 0 | 0 | 43090 |
| APPLE INC | COM | 037833100 |  | 18677387 | 73351 | SH |  | SOLE |  | 0 | 0 | 73351 |
| MICROSOFT CORP | COM | 594918104 |  | 21960118 | 42398 | SH |  | SOLE |  | 0 | 0 | 42398 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 25632617 | 137381 | SH |  | SOLE |  | 0 | 0 | 137381 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 33290483 | 105540 | SH |  | SOLE |  | 0 | 0 | 105540 |

---