# EDGAR Filing Document

**Accession Number:** 0001802670
**File Stem:** 0001085146-23-000108
**Filing Date:** 2023-1
**Character Count:** 12253
**Document Hash:** 2174175380ec1241b7531844b496226a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000108.hdr.sgml**: 20230113

**ACCESSION NUMBER**: 0001085146-23-000108

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230113

**DATE AS OF CHANGE**: 20230112

**EFFECTIVENESS DATE**: 20230113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Wade Financial Advisory, Inc
- **CENTRAL INDEX KEY:** 0001802670
- **IRS NUMBER:** 770297228
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19856
- **FILM NUMBER:** 23527023

**BUSINESS ADDRESS:**
- **STREET 1:** 2105 SOUTH BASCOM AVE
- **STREET 2:** SUITE 110
- **CITY:** CAMPBELL
- **STATE:** CA
- **ZIP:** 95008
- **BUSINESS PHONE:** 4083697399

**MAIL ADDRESS:**
- **STREET 1:** 2105 SOUTH BASCOM AVE
- **STREET 2:** SUITE 110
- **CITY:** CAMPBELL
- **STATE:** CA
- **ZIP:** 95008

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Wade Financial Advisory Inc<br>**Address:** 2105 SOUTH BASCOM AVE<br>SUITE 110<br>CAMPBELL, CA 95008

**Form 13F File Number:** 028-19856

**CRD Number (if applicable):** 000108627

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:** Neelesh Champaneri<br>**Title:** Chief Investment Officer<br>**Phone:** 408-369-7399

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

/s/Neelesh Champaneri  Campbell, CA  01-12-2023<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:** 75

**Form 13F Information Table Value Total:** $220778301

      (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 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 | BBG001S5NCQ5 | 796230 | 2366 | SH |  | SOLE |  | 0 | 0 | 2366 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 326246 | 5037 | SH |  | SOLE |  | 0 | 0 | 5037 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 410270 | 4650 | SH |  | SOLE |  | 0 | 0 | 4650 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 422355 | 4760 | SH |  | SOLE |  | 0 | 0 | 4760 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 409080 | 4870 | SH |  | SOLE |  | 0 | 0 | 4870 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 2814213 | 21659 | SH |  | SOLE |  | 0 | 0 | 21659 |
| APPLIED MATLS INC | COM | 038222105 | BBG001S5NMM7 | 595159 | 6112 | SH |  | SOLE |  | 0 | 0 | 6112 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 260799 | 1453 | SH |  | SOLE |  | 0 | 0 | 1453 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 509005 | 10684 | SH |  | SOLE |  | 0 | 0 | 10684 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 2382414 | 46577 | SH |  | SOLE |  | 0 | 0 | 46577 |
| EBAY INC. | COM | 278642103 | BBG001S9B9J5 | 227670 | 5490 | SH |  | SOLE |  | 0 | 0 | 5490 |
| GEN DIGITAL INC | COM | 668771108 | BBG001S5QG38 | 339730 | 15853 | SH |  | SOLE |  | 0 | 0 | 15853 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 262901 | 1866 | SH |  | SOLE |  | 0 | 0 | 1866 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI EMNG | 46138E727 | BBG001SSJYS0 | 220532 | 12516 | SH |  | SOLE |  | 0 | 0 | 12516 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI SML | 46138E735 | BBG001SSH3K8 | 2815440 | 95052 | SH |  | SOLE |  | 0 | 0 | 95052 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1500 | 46137V597 | BBG001SPSDJ2 | 293382 | 1852 | SH |  | SOLE |  | 0 | 0 | 1852 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 794580 | 2984 | SH |  | SOLE |  | 0 | 0 | 2984 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 2280735 | 48838 | SH |  | SOLE |  | 0 | 0 | 48838 |
| ISHARES INC | MSCI EMERG MKT | 46434G889 | BBG00BM64QL2 | 7093103 | 172834 | SH |  | SOLE |  | 0 | 0 | 172834 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 | BBG0025X3FS0 | 9609230 | 181135 | SH |  | SOLE |  | 0 | 0 | 181135 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 5426044 | 88028 | SH |  | SOLE |  | 0 | 0 | 88028 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 220417 | 2329 | SH |  | SOLE |  | 0 | 0 | 2329 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 7742596 | 91304 | SH |  | SOLE |  | 0 | 0 | 91304 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 565947 | 1473 | SH |  | SOLE |  | 0 | 0 | 1473 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 381585 | 3934 | SH |  | SOLE |  | 0 | 0 | 3934 |
| ISHARES TR | EGSADVNCDMSCI EM | 46436E742 | BBG00XR16C66 | 346167 | 10165 | SH |  | SOLE |  | 0 | 0 | 10165 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 320811 | 4880 | SH |  | SOLE |  | 0 | 0 | 4880 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 | BBG00KK87757 | 292303 | 8890 | SH |  | SOLE |  | 0 | 0 | 8890 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 497059 | 5865 | SH |  | SOLE |  | 0 | 0 | 5865 |
| ISHARES TR | ESG EAFE ETF | 46436E759 | BBG00VHK1HS9 | 838743 | 15455 | SH |  | SOLE |  | 0 | 0 | 15455 |
| ISHARES TR | INTL EQTY FACTOR | 46434V274 | BBG008LPBS09 | 7625466 | 309968 | SH |  | SOLE |  | 0 | 0 | 309968 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 1846713 | 28134 | SH |  | SOLE |  | 0 | 0 | 28134 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 | BBG001SK77D5 | 459279 | 12118 | SH |  | SOLE |  | 0 | 0 | 12118 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 | BBG007WGM3H4 | 6516459 | 201187 | SH |  | SOLE |  | 0 | 0 | 201187 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 9474969 | 83143 | SH |  | SOLE |  | 0 | 0 | 83143 |
| ISHARES TR | MSCI USA SMCP MN | 46435G433 | BBG00DRM2VW7 | 4691598 | 135595 | SH |  | SOLE |  | 0 | 0 | 135595 |
| ISHARES TR | MSCI USA SML CP | 46434V290 | BBG008LP6CK8 | 4782590 | 96307 | SH |  | SOLE |  | 0 | 0 | 96307 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 1499668 | 14212 | SH |  | SOLE |  | 0 | 0 | 14212 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 961253 | 5513 | SH |  | SOLE |  | 0 | 0 | 5513 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 | BBG001SFC7Z6 | 514184 | 2330 | SH |  | SOLE |  | 0 | 0 | 2330 |
| ISHARES TR | U S EQUITY FACTR | 46434V282 | BBG008LNYFB5 | 9352990 | 239759 | SH |  | SOLE |  | 0 | 0 | 239759 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 390882 | 2213 | SH |  | SOLE |  | 0 | 0 | 2213 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 853790 | 1755 | SH |  | SOLE |  | 0 | 0 | 1755 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 287064 | 2587 | SH |  | SOLE |  | 0 | 0 | 2587 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 833264 | 3475 | SH |  | SOLE |  | 0 | 0 | 3475 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 572632 | 7006 | SH |  | SOLE |  | 0 | 0 | 7006 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 646303 | 3577 | SH |  | SOLE |  | 0 | 0 | 3577 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 496029 | 20956 | SH |  | SOLE |  | 0 | 0 | 20956 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 5177834 | 160752 | SH |  | SOLE |  | 0 | 0 | 160752 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US BM | 808524789 | BBG0051GPYJ9 | 1008989 | 19175 | SH |  | SOLE |  | 0 | 0 | 19175 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 | BBG0051J0PJ9 | 994946 | 18618 | SH |  | SOLE |  | 0 | 0 | 18618 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 | BBG0051NXNX3 | 428843 | 9179 | SH |  | SOLE |  | 0 | 0 | 9179 |
| SCHWAB STRATEGIC TR | SCHWB FDT EMK LG | 808524730 | BBG0051QPC87 | 3303343 | 133307 | SH |  | SOLE |  | 0 | 0 | 133307 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 | BBG0051K49J8 | 2156905 | 74197 | SH |  | SOLE |  | 0 | 0 | 74197 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 | BBG0051QD594 | 5274463 | 168729 | SH |  | SOLE |  | 0 | 0 | 168729 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 820369 | 17971 | SH |  | SOLE |  | 0 | 0 | 17971 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 4100644 | 91512 | SH |  | SOLE |  | 0 | 0 | 91512 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 529429 | 11726 | SH |  | SOLE |  | 0 | 0 | 11726 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | BBG001SRXRJ1 | 1809009 | 60930 | SH |  | SOLE |  | 0 | 0 | 60930 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 561031 | 1467 | SH |  | SOLE |  | 0 | 0 | 1467 |
| SPDR SER TR | PORTFOLI S | 78464A805 | BBG001SG6843 | 1497367 | 31664 | SH |  | SOLE |  | 0 | 0 | 31664 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 293190 | 553 | SH |  | SOLE |  | 0 | 0 | 553 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 18712704 | 107421 | SH |  | SOLE |  | 0 | 0 | 107421 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 594819 | 1693 | SH |  | SOLE |  | 0 | 0 | 1693 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 2804808 | 15282 | SH |  | SOLE |  | 0 | 0 | 15282 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 33930598 | 177471 | SH |  | SOLE |  | 0 | 0 | 177471 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 5540058 | 110492 | SH |  | SOLE |  | 0 | 0 | 110492 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 2369807 | 60795 | SH |  | SOLE |  | 0 | 0 | 60795 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 | BBG001T0SKD6 | 269324 | 2620 | SH |  | SOLE |  | 0 | 0 | 2620 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 1028650 | 20785 | SH |  | SOLE |  | 0 | 0 | 20785 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 5408650 | 35618 | SH |  | SOLE |  | 0 | 0 | 35618 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 376470 | 7279 | SH |  | SOLE |  | 0 | 0 | 7279 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 13106629 | 312286 | SH |  | SOLE |  | 0 | 0 | 312286 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 | BBG00C863MQ1 | 4508125 | 64744 | SH |  | SOLE |  | 0 | 0 | 64744 |
| WISDOMTREE TR | YIELD ENHANCD US | 97717X511 | BBG009KCY2C6 | 2871418 | 67325 | SH |  | SOLE |  | 0 | 0 | 67325 |

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