# EDGAR Filing Document

**Accession Number:** 0001665018
**File Stem:** 0001665018-26-000004
**Filing Date:** 2026-5
**Character Count:** 6731
**Document Hash:** aee9a9921e562c4a3ab250fa85217e5a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001665018-26-000004.hdr.sgml**: 20260514

**ACCESSION NUMBER**: 0001665018-26-000004

**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:** Chandler Asset Management, Inc.
- **CENTRAL INDEX KEY:** 0001665018

**ORGANIZATION NAME:**
- **EIN:** 330570869
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20298
- **FILM NUMBER:** 26977538

**BUSINESS ADDRESS:**
- **STREET 1:** 9255 TOWNE CENTRE DRIVE
- **STREET 2:** SUITE 600
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92121
- **BUSINESS PHONE:** 858-546-3737

**MAIL ADDRESS:**
- **STREET 1:** 9255 TOWNE CENTRE DRIVE
- **STREET 2:** SUITE 600
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92121

### 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:** Chandler Asset Management Inc.<br>**Address:** 9255 TOWNE CENTRE DRIVE<br>SUITE 600<br>SAN DIEGO, CA 92121

**Form 13F File Number:** 028-20298

**CRD Number (if applicable):** 000107287

**SEC File Number (if applicable):** 801-44378

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:** Michael Rasmussen<br>**Title:** Chief Compliance Officer / General Counsel<br>**Phone:** 800-317-4747

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

Michael Rasmussen  San Diego, CA  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:** 23

**Form 13F Information Table Value Total:** $659389992

      (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 |
| ISHARES:CORE US AGG BD | ISHARES CORE U.S. AGGREGATE | 464287226 |  | 3423028 | 34482 | SH |  | SOLE |  | 13578 | 20904 | 0 |
| ABRDN:BBG AC STR K1 FREE | ABRDN BLOOMBERG ALL COMMODIT | 003261104 |  | 9164131 | 377280 | SH |  | SOLE |  | 235390 | 141890 | 0 |
| VANGUARD TOT BD ETF | VANGUARD TOTAL BOND MARKET | 921937835 |  | 117231710 | 1591957 | SH |  | SOLE |  | 992207 | 599750 | 0 |
| VANGUARD TOT ITL BI ETF | VANGUARD TOTAL INTL BOND ETF | 92203J407 |  | 19348053 | 402665 | SH |  | SOLE |  | 242180 | 160485 | 0 |
| ISHARES:GOLD TRUST | ISHARES GOLD TRUST | 464285204 |  | 9627072 | 109200 | SH |  | SOLE |  | 69125 | 40075 | 0 |
| ISHARES:CORE S MD-CP | ISHARES CORE S MIDCAP ETF | 464287507 |  | 61510214 | 910858 | SH |  | SOLE |  | 831418 | 79440 | 0 |
| ISHARES:CORE S 500 | ISHARES CORE S 500 ETF | 464287200 |  | 123287228 | 188741 | SH |  | SOLE |  | 155466 | 33275 | 0 |
| ISHARES:RUSS 1000 ETF | ISHARES RUSSELL 1000 ETF | 464287622 |  | 1069680 | 3000 | SH |  | SOLE |  | 0 | 3000 | 0 |
| SS SPDR BBG HIGH YLD BD | SS SPDR BB HIGH YIELD BOND | 78468R622 |  | 1358888 | 14196 | SH |  | SOLE |  | 14196 | 0 | 0 |
| FLEXSHS:IB 5Y TD TIPS | FLEXSHARES IBOXX 5-YEAR TARG | 33939L605 |  | 26319682 | 1091650 | SH |  | SOLE |  | 648125 | 443525 | 0 |
| ISHARES:BRD USD HY CP BD | ISHARES BROAD USD HIGH YIELD | 46435U853 |  | 29027157 | 787925 | SH |  | SOLE |  | 473055 | 314870 | 0 |
| VANGUARD S-C ID ETF | VANGUARD SMALL-CAP ETF | 922908751 |  | 50105288 | 191300 | SH |  | SOLE |  | 170620 | 20680 | 0 |
| VANGUARD INT CRP BD ETF | VANGUARD INT-TERM CORPORATE | 92206C870 |  | 3026581 | 36575 | SH |  | SOLE |  | 36575 | 0 | 0 |
| VANGUARD ST CORP BD ETF | VANGUARD S/T CORP BOND ETF | 92206C409 |  | 4180303 | 52735 | SH |  | SOLE |  | 52735 | 0 | 0 |
| VANGUARD DEV MKT ETF | VANGUARD FTSE DEVELOPED ETF | 921943858 |  | 54882464 | 856468 | SH |  | SOLE |  | 678938 | 177530 | 0 |
| VANGUARD INT TRS ETF | VANGUARD INTERMEDIATE-TERM T | 92206C706 |  | 1962470 | 32955 | SH |  | SOLE |  | 32955 | 0 | 0 |
| VANGUARD ST TRS ETF | VANGUARD SHORT-TERM TREASURY | 92206C102 |  | 2241789 | 38295 | SH |  | SOLE |  | 38295 | 0 | 0 |
| VANGUARD MTG-BK IDX ETF | VANGUARD MORTGAGE-BACKED SEC | 92206C771 |  | 5891051 | 125475 | SH |  | SOLE |  | 125475 | 0 | 0 |
| VANGUARD RE IDX ETF | VANGUARD REAL ESTATE ETF | 922908553 |  | 31777462 | 358258 | SH |  | SOLE |  | 300143 | 58115 | 0 |
| VANGUARD GXUS RE ETF | VANGUARD GLBL EX-US REAL EST | 922042676 |  | 18893695 | 425055 | SH |  | SOLE |  | 307950 | 117105 | 0 |
| VANGUARD MD-CP I ETF | VANGUARD MID-CAP ETF | 922908629 |  | 1588968 | 5533 | SH |  | SOLE |  | 0 | 5533 | 0 |
| VANGUARD TSM IDX ETF | VANGUARD TOTAL STOCK MKT ETF | 922908769 |  | 33308098 | 103825 | SH |  | SOLE |  | 103825 | 0 | 0 |
| VANGUARD EM ST I ETF | VANGUARD FTSE EMERGING MARKE | 922042858 |  | 50164980 | 928122 | SH |  | SOLE |  | 638167 | 289955 | 0 |

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