# EDGAR Filing Document

**Accession Number:** 0001716983
**File Stem:** 0001716983-25-000002
**Filing Date:** 2025-10
**Character Count:** 8990
**Document Hash:** 1edd26a30e31d6f66125a48ac8b12b6e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001716983-25-000002.hdr.sgml**: 20251024

**ACCESSION NUMBER**: 0001716983-25-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251024

**DATE AS OF CHANGE**: 20251023

**EFFECTIVENESS DATE**: 20251024

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SimpliFi, Inc.
- **CENTRAL INDEX KEY:** 0001716983

**ORGANIZATION NAME:**
- **EIN:** 274431950
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18284
- **FILM NUMBER:** 251414071

**BUSINESS ADDRESS:**
- **STREET 1:** 9666 BUSINESSPARK AVE
- **STREET 2:** SUITE 111
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92131
- **BUSINESS PHONE:** 8586956600

**MAIL ADDRESS:**
- **STREET 1:** 9666 BUSINESSPARK AVE
- **STREET 2:** SUITE 111
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92131

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** SimpliFi Inc.<br>**Address:** 9666 BUSINESSPARK AVE<br>SUITE 111<br>SAN DIEGO, CA 92131

**Form 13F File Number:** 028-18284

**CRD Number (if applicable):** 000154900

**SEC File Number (if applicable):** 801-78839

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:** Lauren Torres<br>**Title:** Chief Compliance Officer<br>**Phone:** 858-695-6600

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

/s/  Lauren Torres  San Diego, CA  10-23-2025<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:** $233722370

      (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 |
| ARK ETF TR | INNOVATION ETF | 00214Q104 | BBG007FJMV49 | 433226 | 5020 | SH |  | SOLE |  | 371 | 0 | 4649 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 | BBG01408D4M5 | 7730823 | 204195 | SH |  | SOLE |  | 6599 | 0 | 197596 |
| BLACKROCK ETF TRUST II | ISHARES INTERMED | 092528207 | BBG00ZNLVT57 | 1087508 | 45436 | SH |  | SOLE |  | 0 | 0 | 45436 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 328462 | 8516 | SH |  | SOLE |  | 8516 | 0 | 0 |
| ETF SER SOLUTIONS | DISTILLATE US | 26922A321 | BBG00MC56321 | 524975 | 9058 | SH |  | SOLE |  | 0 | 0 | 9058 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST LADDERED | 33740F755 | BBG00VC9SZ91 | 412436 | 12341 | SH |  | SOLE |  | 0 | 0 | 12341 |
| GRANITESHARES ETF TR | HIPS US HIGH INC | 38747R306 | BBG007V9C3Z2 | 7046148 | 597638 | SH |  | SOLE |  | 25233 | 0 | 572405 |
| INVESCO EXCH TRADED FD TR II | CALIF AMT MUN | 46138E206 | BBG001T06LL9 | 1650872 | 69016 | SH |  | SOLE |  | 0 | 0 | 69016 |
| INVESCO EXCH TRADED FD TR II | FLOATING RATE MU | 46138G862 | BBG001T0NSY1 | 300631 | 12108 | SH |  | SOLE |  | 0 | 0 | 12108 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 | BBG00XS6PBW6 | 504626 | 2042 | SH |  | SOLE |  | 11 | 0 | 2031 |
| INVESCO EXCHANGE TRADED FD T | INTL DIVI ACHI | 46137V548 | BBG001SLKDX3 | 476794 | 22419 | SH |  | SOLE |  | 0 | 0 | 22419 |
| INVESCO EXCHANGE TRADED FD T | LARGE CAP VALUE | 46137V738 | BBG001SJW5C5 | 571248 | 8760 | SH |  | SOLE |  | 0 | 0 | 8760 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 10756178 | 56701 | SH |  | SOLE |  | 2047 | 0 | 54654 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 | BBG001SKXPR1 | 220010 | 2652 | SH |  | SOLE |  | 0 | 0 | 2652 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 | BBG001S8MLN3 | 322804 | 3612 | SH |  | SOLE |  | 0 | 0 | 3612 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 | BBG001S80936 | 21276998 | 220578 | SH |  | SOLE |  | 9730 | 0 | 210848 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 | BBG001T03XM5 | 1485032 | 26035 | SH |  | SOLE |  | 0 | 0 | 26035 |
| ISHARES TR | CORE 40/60 MODER | 464289875 | BBG001T3YV21 | 395488 | 8312 | SH |  | SOLE |  | 0 | 0 | 8312 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 | BBG001T3YV58 | 1215401 | 18879 | SH |  | SOLE |  | 134 | 0 | 18745 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 | BBG001T3YVL0 | 573938 | 6512 | SH |  | SOLE |  | 135 | 0 | 6377 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 | BBG001S60QR6 | 431870 | 3874 | SH |  | SOLE |  | 0 | 0 | 3874 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | BBG001SSD858 | 217190 | 4096 | SH |  | SOLE |  | 0 | 0 | 4096 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 712920 | 7635 | SH |  | SOLE |  | 566 | 0 | 7069 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 17438085 | 72070 | SH |  | SOLE |  | 2206 | 0 | 69864 |
| ISHARES U S ETF TR | INFLATION HEDG | 46431W580 | BBG00KW3R0N8 | 39729867 | 1476398 | SH |  | SOLE |  | 61227 | 0 | 1415171 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 | BBG00TSG0SK6 | 427828 | 7493 | SH |  | SOLE |  | 0 | 0 | 7493 |
| NORTHROP GRUMMAN CORP | COM | 666807102 | BBG001S5TP26 | 339391 | 557 | SH |  | SOLE |  | 0 | 0 | 557 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 | BBG002N12C17 | 19917066 | 213359 | SH |  | SOLE |  | 9131 | 0 | 204228 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 374009 | 11208 | SH |  | SOLE |  | 841 | 0 | 10367 |
| SEMPRA | COM | 816851109 | BBG001SBVZ73 | 291782 | 3243 | SH |  | SOLE |  | 0 | 0 | 3243 |
| SPDR INDEX SHS FDS | MSCI EAFE STRTGC | 78463X434 | BBG006LCM0W6 | 21879575 | 248886 | SH |  | SOLE |  | 8307 | 0 | 240579 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 25983045 | 39003 | SH |  | SOLE |  | 1221 | 0 | 37782 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 | BBG001STKCW9 | 260111 | 2835 | SH |  | SOLE |  | 0 | 0 | 2835 |
| SPDR SERIES TRUST | NUVEEN ICE HIGH | 78464A284 | BBG001V11QG4 | 868679 | 34845 | SH |  | SOLE |  | 0 | 0 | 34845 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 | BBG001T6B0P2 | 12172757 | 401874 | SH |  | SOLE |  | 13638 | 0 | 388236 |
| SPDR SERIES TRUST | PRTFLO S HI | 78468R788 | BBG00B6WD879 | 437224 | 9937 | SH |  | SOLE |  | 0 | 0 | 9937 |
| VANECK ETF TRUST | CEF MUNI INCOME | 92189F460 | BBG001WL63R3 | 707128 | 32304 | SH |  | SOLE |  | 0 | 0 | 32304 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 1706423 | 5200 | SH |  | SOLE |  | 470 | 0 | 4730 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 10402412 | 55780 | SH |  | SOLE |  | 2378 | 0 | 53402 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 | BBG003H12XS7 | 1657697 | 32741 | SH |  | SOLE |  | 208 | 0 | 32533 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 12757940 | 59122 | SH |  | SOLE |  | 1826 | 0 | 57296 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 | BBG001TJR1D8 | 663438 | 9031 | SH |  | SOLE |  | 780 | 0 | 8251 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 1289174 | 29333 | SH |  | SOLE |  | 100 | 0 | 29233 |
| WISDOMTREE TR | EM MKTS QTLY DIV | 97717W323 | BBG004X8X0K8 | 5743161 | 200250 | SH |  | SOLE |  | 2982 | 0 | 197268 |

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