# EDGAR Filing Document

**Accession Number:** 0002094426
**File Stem:** 0001754960-26-000276
**Filing Date:** 2026-4
**Character Count:** 9527
**Document Hash:** b063d65a69201a7921dd97423af850fe
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-26-000276.hdr.sgml**: 20260420

**ACCESSION NUMBER**: 0001754960-26-000276

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260420

**DATE AS OF CHANGE**: 20260420

**EFFECTIVENESS DATE**: 20260420

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Payne Capital LLC
- **CENTRAL INDEX KEY:** 0002094426

**ORGANIZATION NAME:**
- **EIN:** 333686608
- **STATE OF INCORPORATION:** OR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25817
- **FILM NUMBER:** 26874076

**BUSINESS ADDRESS:**
- **STREET 1:** 444 10TH ST
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97034
- **BUSINESS PHONE:** 971-453-0130

**MAIL ADDRESS:**
- **STREET 1:** 444 10TH ST
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97034

### 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:** Payne Capital LLC<br>**Address:** 444 10TH ST<br>LAKE OSWEGO, OR 97034

**Form 13F File Number:** 028-25817

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:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

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

Aryn Sands  Reno, NV  04-20-2026<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:** 55

**Form 13F Information Table Value Total:** $108919203

      (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 |
| ABBOTT LABORATORIES COM | Stock | 002824100 |  | 412519 | 4017 | SH |  | SOLE |  | 0 | 0 | 4017 |
| ABBVIE INC COM | Stock | 00287Y109 |  | 287363 | 1321 | SH |  | SOLE |  | 0 | 0 | 1321 |
| ALPS INTERNATIONAL SECTOR DIVIDEND DOGS ETF | ETF | 00162Q718 |  | 2478731 | 59510 | SH |  | SOLE |  | 0 | 0 | 59510 |
| AMGEN INC COM | Stock | 031162100 |  | 633330 | 1800 | SH |  | SOLE |  | 0 | 0 | 1800 |
| APPLE INC COM | Stock | 037833100 |  | 3003139 | 11833 | SH |  | SOLE |  | 0 | 0 | 11833 |
| AVANTIS INTERNATIONAL EQUITY ETF | ETF | 025072703 |  | 2413569 | 28448 | SH |  | SOLE |  | 0 | 0 | 28448 |
| BERKSHIRE HATHAWAY INC DEL CL A | Stock | 084670108 |  | 718140 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 694840 | 1450 | SH |  | SOLE |  | 0 | 0 | 1450 |
| BONDBLOXX BLOOMBERG TEN YEAR TARGET DURATION US TREASURY ETF | ETF | 09789C812 |  | 371940 | 8110 | SH |  | SOLE |  | 0 | 0 | 8110 |
| CHEVRON CORPORATION COM | Stock | 166764100 |  | 264625 | 1279 | SH |  | SOLE |  | 0 | 0 | 1279 |
| CISCO SYS INC COM | Stock | 17275R102 |  | 256058 | 3300 | SH |  | SOLE |  | 0 | 0 | 3300 |
| FIDELITY EMERGING MARKETS MULTIFACTOR ETF | ETF | 316092543 |  | 2032520 | 64361 | SH |  | SOLE |  | 0 | 0 | 64361 |
| ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF | ETF | 464288638 |  | 930694 | 17487 | SH |  | SOLE |  | 0 | 0 | 17487 |
| ISHARES CORE MSCI EMERGING MARKETS ETF | ETF | 46434G103 |  | 1556820 | 22320 | SH |  | SOLE |  | 0 | 0 | 22320 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 497746 | 762 | SH |  | SOLE |  | 0 | 0 | 762 |
| ISHARES CORE TOTAL USD BOND MARKET ETF | ETF | 46434V613 |  | 972488 | 21054 | SH |  | SOLE |  | 0 | 0 | 21054 |
| ISHARES DYNAMIC EQUITY ACTIVE ETF | ETF | 09290C723 |  | 4196100 | 172608 | SH |  | SOLE |  | 0 | 0 | 172608 |
| ISHARES FLEXIBLE INCOME ACTIVE ETF | ETF | 092528603 |  | 456080 | 8782 | SH |  | SOLE |  | 0 | 0 | 8782 |
| ISHARES MBS ETF | ETF | 464288588 |  | 1836384 | 19340 | SH |  | SOLE |  | 0 | 0 | 19340 |
| ISHARES MSCI EAFE VALUE ETF | ETF | 464288877 |  | 454650 | 6115 | SH |  | SOLE |  | 0 | 0 | 6115 |
| ISHARES MSCI JAPAN ETF | ETF | 46434G822 |  | 282198 | 3342 | SH |  | SOLE |  | 0 | 0 | 3342 |
| ISHARES MSCI SOUTH KOREA ETF | ETF | 464286772 |  | 1506626 | 12248 | SH |  | SOLE |  | 0 | 0 | 12248 |
| ISHARES MSCI USA QUALITY FACTOR ETF | ETF | 46432F339 |  | 358109 | 1867 | SH |  | SOLE |  | 0 | 0 | 1867 |
| ISHARES RUSSELL 1000 GROWTH ETF | ETF | 464287614 |  | 788840 | 1850 | SH |  | SOLE |  | 0 | 0 | 1850 |
| ISHARES U.S. EQUITY FACTOR ROTATION ACTIVE ETF | ETF | 09290C103 |  | 5194606 | 89285 | SH |  | SOLE |  | 0 | 0 | 89285 |
| LAZARD INTERNATIONAL DYNAMIC EQUITY ETF | ETF | 52110K400 |  | 2335574 | 73561 | SH |  | SOLE |  | 0 | 0 | 73561 |
| MERCK  CO INC COM | Stock | 58933Y105 |  | 1279537 | 10637 | SH |  | SOLE |  | 0 | 0 | 10637 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 5592812 | 15108 | SH |  | SOLE |  | 0 | 0 | 15108 |
| NETFLIX INC. COM | Stock | 64110L106 |  | 349024 | 3630 | SH |  | SOLE |  | 0 | 0 | 3630 |
| NOVARTIS AG SPONSORED ADR | ADR | 66987V109 |  | 763750 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| SCHWAB EMERGING MARKETS EQUITY ETF | ETF | 808524706 |  | 1982826 | 60176 | SH |  | SOLE |  | 0 | 0 | 60176 |
| SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF | ETF | 808524771 |  | 5048603 | 181278 | SH |  | SOLE |  | 0 | 0 | 181278 |
| SCHWAB INTERMEDIATE-TERM US TREASURY ETF | ETF | 808524854 |  | 7328779 | 294210 | SH |  | SOLE |  | 0 | 0 | 294210 |
| SCHWAB INTERNATIONAL EQUITY ETF | ETF | 808524805 |  | 765214 | 30917 | SH |  | SOLE |  | 0 | 0 | 30917 |
| SCHWAB U.S. LARGE-CAP ETF | ETF | 808524201 |  | 11621012 | 453237 | SH |  | SOLE |  | 0 | 0 | 453237 |
| SCHWAB U.S. LARGE-CAP GROWTH ETF | ETF | 808524300 |  | 2246646 | 77124 | SH |  | SOLE |  | 0 | 0 | 77124 |
| SCHWAB U.S. LARGE-CAP VALUE ETF | ETF | 808524409 |  | 462445 | 15162 | SH |  | SOLE |  | 0 | 0 | 15162 |
| SCHWAB U.S. MID-CAP ETF | ETF | 808524508 |  | 778967 | 25160 | SH |  | SOLE |  | 0 | 0 | 25160 |
| SCHWAB US AGGREGATE BOND ETF | ETF | 808524839 |  | 663109 | 28557 | SH |  | SOLE |  | 0 | 0 | 28557 |
| SCHWAB US DIVIDEND EQUITY ETF | ETF | 808524797 |  | 7253304 | 236418 | SH |  | SOLE |  | 0 | 0 | 236418 |
| SHELL PLC SPON ADS | ADR | 780259305 |  | 930000 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| STATE STREET CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF | ETF | 81369Y407 |  | 1799150 | 16509 | SH |  | SOLE |  | 0 | 0 | 16509 |
| STATE STREET INDUSTRIAL SELECT SECTOR SPDR ETF | ETF | 81369Y704 |  | 2407027 | 14883 | SH |  | SOLE |  | 0 | 0 | 14883 |
| STATE STREET SPDR PORTFOLIO AGGREGATE BOND ETF | ETF | 78464A649 |  | 603520 | 23556 | SH |  | SOLE |  | 0 | 0 | 23556 |
| STATE STREET SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF | ETF | 78464A375 |  | 3071106 | 91565 | SH |  | SOLE |  | 0 | 0 | 91565 |
| TORONTO DOMINION BK ONT COM NEW | Stock | 891160509 |  | 284595 | 3050 | SH |  | SOLE |  | 0 | 0 | 3050 |
| UNILEVER PLC SPON ADR NEW | ADR | 904767803 |  | 255396 | 4483 | SH |  | SOLE |  | 0 | 0 | 4483 |
| VANECK SEMICONDUCTOR ETF | ETF | 92189F676 |  | 1857956 | 4846 | SH |  | SOLE |  | 0 | 0 | 4846 |
| VANGUARD GROWTH ETF | ETF | 922908736 |  | 483963 | 1108 | SH |  | SOLE |  | 0 | 0 | 1108 |
| VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF | ETF | 92206C870 |  | 3153210 | 38105 | SH |  | SOLE |  | 0 | 0 | 38105 |
| VANGUARD TOTAL INTERNATIONAL BOND ETF | ETF | 92203J407 |  | 1117451 | 23256 | SH |  | SOLE |  | 0 | 0 | 23256 |
| VANGUARD U.S. MOMENTUM FACTOR ETF | ETF | 921935508 |  | 287568 | 1459 | SH |  | SOLE |  | 0 | 0 | 1459 |
| VANGUARD ULTRA-SHORT BOND ETF | ETF | 92203C303 |  | 2953979 | 59334 | SH |  | SOLE |  | 0 | 0 | 59334 |
| VANGUARD VALUE ETF | ETF | 922908744 |  | 7281570 | 37113 | SH |  | SOLE |  | 0 | 0 | 37113 |
| WISDOMTREE JAPAN HEDGED EQUITY FUND | ETF | 97717W851 |  | 1362995 | 8595 | SH |  | SOLE |  | 0 | 0 | 8595 |

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