# EDGAR Filing Document

**Accession Number:** 0002077940
**File Stem:** 0002077940-26-000001
**Filing Date:** 2026-3
**Character Count:** 10603
**Document Hash:** 4addbfe05abed6b0aed03f0d6ebf310c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002077940-26-000001.hdr.sgml**: 20260327

**ACCESSION NUMBER**: 0002077940-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260327

**DATE AS OF CHANGE**: 20260327

**EFFECTIVENESS DATE**: 20260327

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** rebel Financial LLC
- **CENTRAL INDEX KEY:** 0002077940

**ORGANIZATION NAME:**
- **EIN:** 462943851
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25665
- **FILM NUMBER:** 26806087

**BUSINESS ADDRESS:**
- **STREET 1:** 5940 CLYDE MOORE DR
- **STREET 2:** SUITE C
- **CITY:** GROVEPORT
- **STATE:** OH
- **ZIP:** 43125
- **BUSINESS PHONE:** 6144419605

**MAIL ADDRESS:**
- **STREET 1:** 5940 CLYDE MOORE DR
- **STREET 2:** SUITE C
- **CITY:** GROVEPORT
- **STATE:** OH
- **ZIP:** 43125

### 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:** rebel Financial LLC<br>**Address:** 5940 CLYDE MOORE DR<br>SUITE C<br>GROVEPORT, OH 43125

**Form 13F File Number:** 028-25665

**CRD Number (if applicable):** 000168263

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:** William P Ratcliff<br>**Title:** President<br>**Phone:** 6148524140

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

William P Ratcliff  Groveport, OH  03-27-2026<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:** 65

**Form 13F Information Table Value Total:** $234053380

      (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 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 6346966 | 82407 | SH |  | SOLE |  | 82407 | 0 | 0 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 3494823 | 34270 | SH |  | SOLE |  | 34270 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 336249 | 1237 | SH |  | SOLE |  | 1237 | 0 | 0 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 10570445 | 237698 | SH |  | SOLE |  | 237698 | 0 | 0 |
| CIA ENERGETICA DE MINAS GERA | SP ADR N-V PFD | 204409601 |  | 27881 | 13759 | SH |  | SOLE |  | 13759 | 0 | 0 |
| DBX ETF TR | XTRACK USD HIGH | 233051432 |  | 4364065 | 118492 | SH |  | SOLE |  | 118492 | 0 | 0 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 2541845 | 59724 | SH |  | SOLE |  | 59724 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 837818 | 25724 | SH |  | SOLE |  | 25724 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 667543 | 19372 | SH |  | SOLE |  | 19372 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 552252 | 16765 | SH |  | SOLE |  | 16765 | 0 | 0 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 233469 | 4869 | SH |  | SOLE |  | 4869 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 1250903 | 31596 | SH |  | SOLE |  | 31596 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 938111 | 15756 | SH |  | SOLE |  | 15756 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 250954 | 7667 | SH |  | SOLE |  | 7667 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | NASDQ CLN EDGE | 33737A108 |  | 497475 | 3251 | SH |  | SOLE |  | 3251 | 0 | 0 |
| FRANKLIN TEMPLETON ETF TR | HIGH YIELD CORP | 35473P629 |  | 3588635 | 146985 | SH |  | SOLE |  | 146985 | 0 | 0 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 3418258 | 77389 | SH |  | SOLE |  | 77389 | 0 | 0 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 8230805 | 99792 | SH |  | SOLE |  | 99792 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 204112 | 298 | SH |  | SOLE |  | 298 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 14181543 | 141986 | SH |  | SOLE |  | 141986 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 3650404 | 47084 | SH |  | SOLE |  | 47084 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 2503925 | 26332 | SH |  | SOLE |  | 26332 | 0 | 0 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 2549577 | 55450 | SH |  | SOLE |  | 55450 | 0 | 0 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 6179682 | 129147 | SH |  | SOLE |  | 129147 | 0 | 0 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 367899 | 4608 | SH |  | SOLE |  | 4608 | 0 | 0 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 378333 | 4595 | SH |  | SOLE |  | 4595 | 0 | 0 |
| ISHARES TR | MRGSTR SM CP GR | 464288604 |  | 394804 | 7119 | SH |  | SOLE |  | 7119 | 0 | 0 |
| ISHARES TR | MRNING SM CP ETF | 464288703 |  | 465607 | 6797 | SH |  | SOLE |  | 6797 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 5591407 | 40831 | SH |  | SOLE |  | 40831 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ACTIVE GROWTH | 46654Q609 |  | 3340625 | 35998 | SH |  | SOLE |  | 35998 | 0 | 0 |
| LISTED FDS TR | WAHED FTSE ETF | 53656F607 |  | 3731656 | 60159 | SH |  | SOLE |  | 60159 | 0 | 0 |
| NUSHARES ETF TR | ESG HI TLD CRP | 67092P854 |  | 2138870 | 99045 | SH |  | SOLE |  | 99045 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 3885274 | 86244 | SH |  | SOLE |  | 86244 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG MIDCP | 67092P409 |  | 1033257 | 21642 | SH |  | SOLE |  | 21642 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG MIDVL | 67092P508 |  | 1110463 | 28401 | SH |  | SOLE |  | 28401 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG US | 67092P870 |  | 844508 | 37777 | SH |  | SOLE |  | 37777 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 388072 | 15473 | SH |  | SOLE |  | 15473 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 13876625 | 468644 | SH |  | SOLE |  | 468644 | 0 | 0 |
| SP FUNDS TRUST | S WORLD EX US | 84612A200 |  | 4768597 | 174674 | SH |  | SOLE |  | 174674 | 0 | 0 |
| SPDR INDEX SHS FDS | MSCI EMR MKT ETF | 78470E205 |  | 424218 | 9948 | SH |  | SOLE |  | 9948 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 4494492 | 101204 | SH |  | SOLE |  | 101204 | 0 | 0 |
| SPDR INDEX SHS FDS | S EMKTSC ETF | 78463X756 |  | 3915314 | 59634 | SH |  | SOLE |  | 59634 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG EMERGI | 78464A391 |  | 5084034 | 237905 | SH |  | SOLE |  | 237905 | 0 | 0 |
| SPDR SERIES TRUST | BLOOMBERG INTL T | 78464A516 |  | 6298069 | 279541 | SH |  | SOLE |  | 279541 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 1460529 | 13688 | SH |  | SOLE |  | 13688 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 15646504 | 275418 | SH |  | SOLE |  | 275418 | 0 | 0 |
| TCW ETF TRUST | TRANSFORM SYSTEM | 29287L205 |  | 556260 | 5785 | SH |  | SOLE |  | 5785 | 0 | 0 |
| TIDAL TRUST I | SP DWJNS SUKUK | 886364702 |  | 3970728 | 217515 | SH |  | SOLE |  | 217515 | 0 | 0 |
| TIDAL TRUST I | SP FDS S 500 | 886364801 |  | 3423865 | 67043 | SH |  | SOLE |  | 67043 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 331395 | 3341 | SH |  | SOLE |  | 3341 | 0 | 0 |
| VANECK ETF TRUST | GREEN BOND ETF | 92189F171 |  | 5668331 | 232929 | SH |  | SOLE |  | 232929 | 0 | 0 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 |  | 4742734 | 183684 | SH |  | SOLE |  | 183684 | 0 | 0 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 11217805 | 144040 | SH |  | SOLE |  | 144040 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 234876 | 3171 | SH |  | SOLE |  | 3171 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 8462837 | 175141 | SH |  | SOLE |  | 175141 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 11926749 | 24447 | SH |  | SOLE |  | 24447 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 3701290 | 13260 | SH |  | SOLE |  | 13260 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 2946387 | 16611 | SH |  | SOLE |  | 16611 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3380587 | 15962 | SH |  | SOLE |  | 15962 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 2946168 | 9752 | SH |  | SOLE |  | 9752 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2044972 | 10707 | SH |  | SOLE |  | 10707 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 6127088 | 113971 | SH |  | SOLE |  | 113971 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 637546 | 7612 | SH |  | SOLE |  | 7612 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 639224 | 13577 | SH |  | SOLE |  | 13577 | 0 | 0 |
| WISDOMTREE TR | EMG MKTS SMCAP | 97717W281 |  | 4037641 | 70539 | SH |  | SOLE |  | 70539 | 0 | 0 |

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