# EDGAR Filing Document

**Accession Number:** 0001986156
**File Stem:** 0001986156-25-000009
**Filing Date:** 2025-11
**Character Count:** 13450
**Document Hash:** 3e0606823a033af30eb354d54edaf73a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001986156-25-000009.hdr.sgml**: 20251105

**ACCESSION NUMBER**: 0001986156-25-000009

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251105

**DATE AS OF CHANGE**: 20251105

**EFFECTIVENESS DATE**: 20251105

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Altiora Financial Group, LLC
- **CENTRAL INDEX KEY:** 0001986156

**ORGANIZATION NAME:**
- **EIN:** 823812591
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23304
- **FILM NUMBER:** 251453128

**BUSINESS ADDRESS:**
- **STREET 1:** 1607 MARIETTA DRIVE
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036
- **BUSINESS PHONE:** (513) 652-5776

**MAIL ADDRESS:**
- **STREET 1:** 1607 MARIETTA DRIVE
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036

### 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:** Altiora Financial Group LLC<br>**Address:** 1607 MARIETTA DRIVE<br>LEBANON, OH 45036

**Form 13F File Number:** 028-23304

**CRD Number (if applicable):** 000292008

**SEC File Number (if applicable):** 801-112389

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:** Derek Tinnin<br>**Title:** Managing Member<br>**Phone:** 513-652-5776

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

Derek Tinnin  Lebanon, OH  11-05-2025<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:** 94

**Form 13F Information Table Value Total:** $546676885

      (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 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 114344828 | 2964605 | SH |  | SOLE |  | 0 | 0 | 2964605 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 46219115 | 959102 | SH |  | SOLE |  | 0 | 0 | 959102 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 45352609 | 1445271 | SH |  | SOLE |  | 0 | 0 | 1445271 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 31698295 | 314779 | SH |  | SOLE |  | 0 | 0 | 314779 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 26505831 | 80769 | SH |  | SOLE |  | 0 | 0 | 80769 |
| SIMPLIFY EXCHANGE TRADED FUN | HIGH YIELD ETF | 82889N830 |  | 23032816 | 1005361 | SH |  | SOLE |  | 0 | 0 | 1005361 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 21541337 | 882842 | SH |  | SOLE |  | 0 | 0 | 882842 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 15963746 | 635247 | SH |  | SOLE |  | 0 | 0 | 635247 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 14459823 | 200998 | SH |  | SOLE |  | 0 | 0 | 200998 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 13844199 | 237832 | SH |  | SOLE |  | 0 | 0 | 237832 |
| SIMPLIFY EXCHANGE TRADED FUN | MANAGED FUTURES | 82889N699 |  | 13741040 | 491278 | SH |  | SOLE |  | 0 | 0 | 491278 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 13342257 | 495074 | SH |  | SOLE |  | 0 | 0 | 495074 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 13116456 | 293499 | SH |  | SOLE |  | 0 | 0 | 293499 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 10139353 | 199672 | SH |  | SOLE |  | 0 | 0 | 199672 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 9404658 | 187830 | SH |  | SOLE |  | 0 | 0 | 187830 |
| SPDR SERIES TRUST | BLOOMBERG 3-12 M | 78468R523 |  | 9197581 | 92419 | SH |  | SOLE |  | 0 | 0 | 92419 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 8546635 | 185313 | SH |  | SOLE |  | 0 | 0 | 185313 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 8082131 | 111570 | SH |  | SOLE |  | 0 | 0 | 111570 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 6264986 | 165872 | SH |  | SOLE |  | 0 | 0 | 165872 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 6213102 | 84578 | SH |  | SOLE |  | 0 | 0 | 84578 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 5459643 | 75026 | SH |  | SOLE |  | 0 | 0 | 75026 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5119837 | 10675 | SH |  | SOLE |  | 0 | 0 | 10675 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 5119625 | 49532 | SH |  | SOLE |  | 0 | 0 | 49532 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 4890073 | 83094 | SH |  | SOLE |  | 0 | 0 | 83094 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 4662553 | 68106 | SH |  | SOLE |  | 0 | 0 | 68106 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 4151489 | 40731 | SH |  | SOLE |  | 0 | 0 | 40731 |
| MICROSOFT CORP | COM | 594918104 |  | 3674786 | 7095 | SH |  | SOLE |  | 0 | 0 | 7095 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 3472608 | 82231 | SH |  | SOLE |  | 0 | 0 | 82231 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 3210016 | 105610 | SH |  | SOLE |  | 0 | 0 | 105610 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 3163433 | 87027 | SH |  | SOLE |  | 0 | 0 | 87027 |
| APPLE INC | COM | 037833100 |  | 2708408 | 10637 | SH |  | SOLE |  | 0 | 0 | 10637 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 2658134 | 44280 | SH |  | SOLE |  | 0 | 0 | 44280 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 2655691 | 58035 | SH |  | SOLE |  | 0 | 0 | 58035 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2541403 | 50196 | SH |  | SOLE |  | 0 | 0 | 50196 |
| TESLA INC | COM | 88160R101 |  | 2430840 | 5466 | SH |  | SOLE |  | 0 | 0 | 5466 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 2310543 | 21638 | SH |  | SOLE |  | 0 | 0 | 21638 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 2265938 | 77283 | SH |  | SOLE |  | 0 | 0 | 77283 |
| BILL HOLDINGS INC | COM | 090043100 |  | 1833398 | 34612 | SH |  | SOLE |  | 0 | 0 | 34612 |
| AMAZON COM INC | COM | 023135106 |  | 1765343 | 8040 | SH |  | SOLE |  | 0 | 0 | 8040 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1754996 | 2622 | SH |  | SOLE |  | 0 | 0 | 2622 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 |  | 1731682 | 69420 | SH |  | SOLE |  | 0 | 0 | 69420 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1384600 | 7831 | SH |  | SOLE |  | 0 | 0 | 7831 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 1261435 | 38470 | SH |  | SOLE |  | 0 | 0 | 38470 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 1110431 | 31113 | SH |  | SOLE |  | 0 | 0 | 31113 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 1104288 | 26000 | SH |  | SOLE |  | 0 | 0 | 26000 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 1070167 | 5650 | SH |  | SOLE |  | 0 | 0 | 5650 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1018985 | 4184 | SH |  | SOLE |  | 0 | 0 | 4184 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 995938 | 5338 | SH |  | SOLE |  | 0 | 0 | 5338 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 810264 | 25265 | SH |  | SOLE |  | 0 | 0 | 25265 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 809927 | 875 | SH |  | SOLE |  | 0 | 0 | 875 |
| BANK AMERICA CORP | COM | 060505104 |  | 774366 | 15010 | SH |  | SOLE |  | 0 | 0 | 15010 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 750357 | 7046 | SH |  | SOLE |  | 0 | 0 | 7046 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 723138 | 22676 | SH |  | SOLE |  | 0 | 0 | 22676 |
| ELI LILLY  CO | COM | 532457108 |  | 720272 | 944 | SH |  | SOLE |  | 0 | 0 | 944 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 714192 | 2938 | SH |  | SOLE |  | 0 | 0 | 2938 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 674239 | 3615 | SH |  | SOLE |  | 0 | 0 | 3615 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 662350 | 10190 | SH |  | SOLE |  | 0 | 0 | 10190 |
| CHEVRON CORP NEW | COM | 166764100 |  | 638553 | 4112 | SH |  | SOLE |  | 0 | 0 | 4112 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 596911 | 2860 | SH |  | SOLE |  | 0 | 0 | 2860 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 554534 | 1560 | SH |  | SOLE |  | 0 | 0 | 1560 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 534278 | 3748 | SH |  | SOLE |  | 0 | 0 | 3748 |
| ISHARES TR | MSCI CHINA ETF | 46429B671 |  | 526142 | 7990 | SH |  | SOLE |  | 0 | 0 | 7990 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 514759 | 16326 | SH |  | SOLE |  | 0 | 0 | 16326 |
| SCHWAB STRATEGIC TR | MUN BD ETF | 808524649 |  | 512200 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 500657 | 16529 | SH |  | SOLE |  | 0 | 0 | 16529 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 |  | 458592 | 6800 | SH |  | SOLE |  | 0 | 0 | 6800 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 457117 | 686 | SH |  | SOLE |  | 0 | 0 | 686 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 422833 | 2422 | SH |  | SOLE |  | 0 | 0 | 2422 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 407618 | 1603 | SH |  | SOLE |  | 0 | 0 | 1603 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 393805 | 2563 | SH |  | SOLE |  | 0 | 0 | 2563 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 383305 | 3466 | SH |  | SOLE |  | 0 | 0 | 3466 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 372646 | 9100 | SH |  | SOLE |  | 0 | 0 | 9100 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 366879 | 4590 | SH |  | SOLE |  | 0 | 0 | 4590 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 366457 | 967 | SH |  | SOLE |  | 0 | 0 | 967 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 364840 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 358422 | 1038 | SH |  | SOLE |  | 0 | 0 | 1038 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 353352 | 4890 | SH |  | SOLE |  | 0 | 0 | 4890 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 338646 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 331587 | 1788 | SH |  | SOLE |  | 0 | 0 | 1788 |
| META PLATFORMS INC | CL A | 30303M102 |  | 322855 | 440 | SH |  | SOLE |  | 0 | 0 | 440 |
| CINTAS CORP | COM | 172908105 |  | 295927 | 1442 | SH |  | SOLE |  | 0 | 0 | 1442 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 291190 | 1032 | SH |  | SOLE |  | 0 | 0 | 1032 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 281995 | 894 | SH |  | SOLE |  | 0 | 0 | 894 |
| NETFLIX INC | COM | 64110L106 |  | 281747 | 235 | SH |  | SOLE |  | 0 | 0 | 235 |
| SIMPLIFY EXCHANGE TRADED FUN | MULTI QIS ALTERN | 82889N533 |  | 261255 | 13631 | SH |  | SOLE |  | 0 | 0 | 13631 |
| WALMART INC | COM | 931142103 |  | 250539 | 2431 | SH |  | SOLE |  | 0 | 0 | 2431 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 243372 | 3410 | SH |  | SOLE |  | 0 | 0 | 3410 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 231869 | 4964 | SH |  | SOLE |  | 0 | 0 | 4964 |
| BARRICK MNG CORP | COM SHS | 06849F108 |  | 226113 | 6900 | SH |  | SOLE |  | 0 | 0 | 6900 |
| NEWMONT CORP | COM | 651639106 |  | 223183 | 2647 | SH |  | SOLE |  | 0 | 0 | 2647 |
| CATERPILLAR INC | COM | 149123101 |  | 218058 | 457 | SH |  | SOLE |  | 0 | 0 | 457 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 209572 | 6582 | SH |  | SOLE |  | 0 | 0 | 6582 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 208219 | 965 | SH |  | SOLE |  | 0 | 0 | 965 |
| GLOBAL X FDS | GLB X MLP ENRG I | 37954Y293 |  | 200672 | 3200 | SH |  | SOLE |  | 0 | 0 | 3200 |

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