# EDGAR Filing Document

**Accession Number:** 0002112099
**File Stem:** 0002112099-26-000001
**Filing Date:** 2026-5
**Character Count:** 8040
**Document Hash:** 7708038db4a9d3d24f03758ea900378f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002112099-26-000001.hdr.sgml**: 20260505

**ACCESSION NUMBER**: 0002112099-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260505

**DATE AS OF CHANGE**: 20260505

**EFFECTIVENESS DATE**: 20260505

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financial Concepts Unlimited, Inc.
- **CENTRAL INDEX KEY:** 0002112099

**ORGANIZATION NAME:**
- **EIN:** 521673692
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26845
- **FILM NUMBER:** 26941640

**BUSINESS ADDRESS:**
- **STREET 1:** 1020 WHITE MARSH RD.
- **CITY:** CENTREVILLE
- **STATE:** ME
- **ZIP:** 21617
- **BUSINESS PHONE:** 301-315-6344

**MAIL ADDRESS:**
- **STREET 1:** 1020 WHITE MARSH RD.
- **CITY:** CENTREVILLE
- **STATE:** ME
- **ZIP:** 21617

### 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:** Financial Concepts Unlimited Inc.<br>**Address:** 1020 WHITE MARSH RD.<br>CENTREVILLE, ME 21617

**Form 13F File Number:** 028-26845

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:** John Taylor<br>**Title:** President<br>**Phone:** 301-315-6344

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

John Taylor  Centreville, MD  05-05-2026<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:** 44

**Form 13F Information Table Value Total:** $111591628

      (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 |
| SPDR DOW JONES INDL AVERAGE ETF TR UNIT SE | ETF | 78467X109 |  | 16563598 | 35760 | SH |  | SOLE |  | 0 | 0 | 35760 |
| INVESCO QQQ TRUST | ETF | 46090e103 |  | 15645802 | 27107 | SH |  | SOLE |  | 0 | 0 | 27107 |
| SPDR S 500 ETF | ETF | 78462f103 |  | 10353974 | 15921 | SH |  | SOLE |  | 0 | 0 | 15921 |
| FEDERATED HME MDT LAR  VAL ETF NAV CF | ETF | 31423L701 |  | 9793047 | 310863 | SH |  | SOLE |  | 0 | 0 | 310863 |
| NVIDIA CORP | COM | 67066g104 |  | 8978123 | 51480 | SH |  | SOLE |  | 0 | 0 | 51480 |
| FEDERATED HME MDT SML  COR ETF NAV CF | ETF | 31423L602 |  | 5966363 | 200955 | SH |  | SOLE |  | 0 | 0 | 200955 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 5474000 | 8380 | SH |  | SOLE |  | 0 | 0 | 8380 |
| FEDERATED HERMES ETF TR MDT | ETF | 31423L875 |  | 5225761 | 201308 | SH |  | SOLE |  | 0 | 0 | 201308 |
| SPDR S 600 SMALL CAP GROWTH ETF | ETF | 78464a201 |  | 4785057 | 49524 | SH |  | SOLE |  | 0 | 0 | 49524 |
| SPDR S 400 MID CAP GROWTH ETF | ETF | 78464a821 |  | 4383022 | 45676 | SH |  | SOLE |  | 0 | 0 | 45676 |
| FEDERATED HERMS U S STRG  DIV ETF | ETF | 31423L305 |  | 3723414 | 120890 | SH |  | SOLE |  | 0 | 0 | 120890 |
| ISHARES TR CORE DIV GRWTH | ETF | 46434V621 |  | 3117494 | 44421 | SH |  | SOLE |  | 0 | 0 | 44421 |
| APPLE INC | COM | 037833100 |  | 1978778 | 7797 | SH |  | SOLE |  | 0 | 0 | 7797 |
| ISHARES S 100 ETF | ETF | 464287101 |  | 1958355 | 6157 | SH |  | SOLE |  | 0 | 0 | 6157 |
| FEDERATED HERMES ETF T SHORT DURATION C | ETF | 31423l107 |  | 1705853 | 70206 | SH |  | SOLE |  | 0 | 0 | 70206 |
| VANGUARD BD INDEX FDS SHORT TRM BOND | ETF | 921937827 |  | 1457793 | 18592 | SH |  | SOLE |  | 0 | 0 | 18592 |
| TESLA INC | COM | 88160r101 |  | 1122685 | 3020 | SH |  | SOLE |  | 0 | 0 | 3020 |
| AMAZON.COM INC | COM | 023135106 |  | 797882 | 3831 | SH |  | SOLE |  | 0 | 0 | 3831 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 639379 | 1070 | SH |  | SOLE |  | 0 | 0 | 1070 |
| ISHARES NASDAQ BIOTECHNOLOGY ETF | ETF | 464287556 |  | 579460 | 3432 | SH |  | SOLE |  | 0 | 0 | 3432 |
| CHARLES SCHWAB US MC ETF | ETF | 808524508 |  | 525112 | 16961 | SH |  | SOLE |  | 0 | 0 | 16961 |
| J P MORGAN CHASE  CO | COM | 46625h100 |  | 487811 | 1658 | SH |  | SOLE |  | 0 | 0 | 1658 |
| SCHWAB US SMALL CAP ETF | ETF | 808524607 |  | 427549 | 14703 | SH |  | SOLE |  | 0 | 0 | 14703 |
| WALMART INC | COM | 931142103 |  | 400396 | 3222 | SH |  | SOLE |  | 0 | 0 | 3222 |
| MICROSOFT CORP | COM | 594918104 |  | 395040 | 1067 | SH |  | SOLE |  | 0 | 0 | 1067 |
| LILLY ELI  CO | COM | 532457108 |  | 367908 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| FIDELITY 500 INDEX FD | ETF | 315911750 |  | 356309 | 1567 | SH |  | SOLE |  | 0 | 0 | 1567 |
| HOME DEPOT INC | COM | 437076102 |  | 348764 | 1060 | SH |  | SOLE |  | 0 | 0 | 1060 |
| EXXON MOBIL CORP | COM | 30231g102 |  | 346639 | 2043 | SH |  | SOLE |  | 0 | 0 | 2043 |
| VANGUARD VALUE INDEX ADMIRAL SHARE | ETF | 922908678 |  | 343864 | 4492 | SH |  | SOLE |  | 0 | 0 | 4492 |
| SPDR GOLD SHARES ETF | ETF | 78463v107 |  | 336056 | 781 | SH |  | SOLE |  | 0 | 0 | 781 |
| SCHWAB INTERNATIONAL EQUITY ETF | ETF | 808524805 |  | 333455 | 13473 | SH |  | SOLE |  | 0 | 0 | 13473 |
| CATERPILLAR INC | COM | 149123101 |  | 323058 | 456 | SH |  | SOLE |  | 0 | 0 | 456 |
| MARRIOTT INTL INC CLASS A | COM | 571903202 |  | 274739 | 840 | SH |  | SOLE |  | 0 | 0 | 840 |
| SCHWAB INTERNATNAL SMALL CAP EQY ETF | ETF | 808524888 |  | 267691 | 5727 | SH |  | SOLE |  | 0 | 0 | 5727 |
| META PLATFORMS INC. | COM | 30303m102 |  | 253820 | 444 | SH |  | SOLE |  | 0 | 0 | 444 |
| INVESCO AEROSPACE  DEFENSE ETF | ETF | 46137v100 |  | 245236 | 1480 | SH |  | SOLE |  | 0 | 0 | 1480 |
| VANGUARD SPECIALIZED F DIV APP ETF | ETF | 921908844 |  | 232496 | 1081 | SH |  | SOLE |  | 0 | 0 | 1081 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 230490 | 762 | SH |  | SOLE |  | 0 | 0 | 762 |
| FIDELITY HIGH DIVIDEND  ETF 0 | ETF | 316092840 |  | 219925 | 3981 | SH |  | SOLE |  | 0 | 0 | 3981 |
| ALPHABET INC. CLASS A | COM | 02079k305 |  | 218816 | 761 | SH |  | SOLE |  | 0 | 0 | 761 |
| SPDR SER TR S DIVID ETF | ETF | 78464A763 |  | 206524 | 1415 | SH |  | SOLE |  | 0 | 0 | 1415 |
| DEMENSIONAL US TARGETED VALUE ETF | ETF | 25434V609 |  | 200090 | 3204 | SH |  | SOLE |  | 0 | 0 | 3204 |
| SPONGETECH DELIVERY  XXX  REGISTRATION REV | COM | 849109103 |  | 0 | 39000 | SH |  | SOLE |  | 0 | 0 | 39000 |

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