# EDGAR Filing Document

**Accession Number:** 0001811052
**File Stem:** 0001811052-26-000006
**Filing Date:** 2026-5
**Character Count:** 14720
**Document Hash:** 9d8957b5fb905d31b4abebe8c38b5791
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001811052-26-000006.hdr.sgml**: 20260511

**ACCESSION NUMBER**: 0001811052-26-000006

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260511

**DATE AS OF CHANGE**: 20260511

**EFFECTIVENESS DATE**: 20260511

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** REBALANCE, LLC
- **CENTRAL INDEX KEY:** 0001811052

**ORGANIZATION NAME:**
- **EIN:** 452585894
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23150
- **FILM NUMBER:** 26961857

**BUSINESS ADDRESS:**
- **STREET 1:** 635 BRYANT ST
- **STREET 2:** #6
- **CITY:** PALO ALTO
- **STATE:** CA
- **ZIP:** 94301
- **BUSINESS PHONE:** 650-396-3900

**MAIL ADDRESS:**
- **STREET 1:** 635 BRYANT ST
- **STREET 2:** #6
- **CITY:** PALO ALTO
- **STATE:** CA
- **ZIP:** 94301

### 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:** REBALANCE LLC<br>**Address:** 635 BRYANT ST

#6<br>PALO ALTO, CA 94301

**Form 13F File Number:** 028-23150

**SEC File Number (if applicable):** 801-72723

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:** Svetlana Kot<br>**Title:** VP Finance and Operations and CCO<br>**Phone:** 2029706695

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

Svetlana Kot  Tulsa, OK  05-11-2026<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:** 101

**Form 13F Information Table Value Total:** $1722334351

      (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 |
| AMAZON COM INC COM | Stock | 023135106 |  | 208062 | 999 | SH |  | SOLE | 0 | 999 | 0 | 0 |
| INVESCO QQQ TRUST SERIES I | ETF | 46090E103 |  | 245302 | 425 | SH |  | SOLE | 0 | 425 | 0 | 0 |
| STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF | ETF | 81369Y803 |  | 738291 | 5555 | SH |  | SOLE | 0 | 5555 | 0 | 0 |
| ISHARES GOLD TRUST | ETF | 464285204 |  | 1296723 | 14709 | SH |  | SOLE | 0 | 14708 | 0 | 0 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 330217 | 1351 | SH |  | SOLE | 0 | 1350 | 0 | 0 |
| WILLIAMS SONOMA INC COM | Stock | 969904101 |  | 397479 | 2180 | SH |  | SOLE | 0 | 2180 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 237577618 | 740556 | SH |  | SOLE | 0 | 740555 | 0 | 0 |
| VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF | ETF | 921946794 |  | 9892131 | 104967 | SH |  | SOLE | 0 | 104967 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS ETF | ETF | 464287234 |  | 482989 | 8505 | SH |  | SOLE | 0 | 8504 | 0 | 0 |
| PROCTER  GAMBLE CO COM | Stock | 742718109 |  | 512184 | 3546 | SH |  | SOLE | 0 | 3546 | 0 | 0 |
| COCA COLA CO COM | Stock | 191216100 |  | 273704 | 3599 | SH |  | SOLE | 0 | 3599 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | ETF | 922908553 |  | 51826977 | 584295 | SH |  | SOLE | 0 | 584295 | 0 | 0 |
| STATE STREET SPDR S 500 ETF | ETF | 78462F103 |  | 4911447 | 7552 | SH |  | SOLE | 0 | 7552 | 0 | 0 |
| ISHARES MSCI JAPAN ETF | ETF | 46434G822 |  | 755337 | 8945 | SH |  | SOLE | 0 | 8945 | 0 | 0 |
| PRIORITY TECHNOLOGY HLDGS INC COM | Stock | 74275G107 |  | 1907418 | 404114 | SH |  | SOLE | 0 | 404114 | 0 | 0 |
| VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF | ETF | 922042718 |  | 4063037 | 27869 | SH |  | SOLE | 0 | 27869 | 0 | 0 |
| PEPSICO INC COM | Stock | 713448108 |  | 225481 | 1452 | SH |  | SOLE | 0 | 1452 | 0 | 0 |
| STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF | ETF | 81369Y209 |  | 367263 | 2505 | SH |  | SOLE | 0 | 2505 | 0 | 0 |
| SPDR GOLD SHARES | ETF | 78463V107 |  | 2690603 | 6253 | SH |  | SOLE | 0 | 6253 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ETF | ETF | 464287614 |  | 8011030 | 18788 | SH |  | SOLE | 0 | 18787 | 0 | 0 |
| SCHWAB U.S. BROAD MARKET ETF | ETF | 808524102 |  | 378570424 | 15082487 | SH |  | SOLE | 0 | 15082487 | 0 | 0 |
| SCHWAB INTERNATIONAL EQUITY ETF | ETF | 808524805 |  | 170890089 | 6904650 | SH |  | SOLE | 0 | 6904650 | 0 | 0 |
| ISHARES U.S. REAL ESTATE ETF | ETF | 464287739 |  | 4343573 | 45935 | SH |  | SOLE | 0 | 45934 | 0 | 0 |
| ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF | ETF | 46435U853 |  | 64036534 | 1738234 | SH |  | SOLE | 0 | 1738233 | 0 | 0 |
| ISHARES CORE S SMALL CAP ETF | ETF | 464287804 |  | 52773318 | 424530 | SH |  | SOLE | 0 | 424529 | 0 | 0 |
| ISHARES IBONDS DEC 2027 TERM CORPORATE ETF | ETF | 46435UAA9 |  | 18408390 | 759422 | SH |  | SOLE | 0 | 759422 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 3706612 | 7735 | SH |  | SOLE | 0 | 7735 | 0 | 0 |
| SCHWAB EMERGING MARKETS EQUITY ETF | ETF | 808524706 |  | 71975810 | 2184395 | SH |  | SOLE | 0 | 2184394 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF | ETF | 92206C870 |  | 89119253 | 1076970 | SH |  | SOLE | 0 | 1076969 | 0 | 0 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 292161 | 1016 | SH |  | SOLE | 0 | 1016 | 0 | 0 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 1412797 | 3817 | SH |  | SOLE | 0 | 3816 | 0 | 0 |
| SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR | CEF | 85207H104 |  | 1852378 | 52268 | SH |  | SOLE | 0 | 52268 | 0 | 0 |
| VANGUARD SMALL-CAP ETF | ETF | 922908751 |  | 3035846 | 11591 | SH |  | SOLE | 0 | 11590 | 0 | 0 |
| VANGUARD LARGE-CAP ETF | ETF | 922908637 |  | 1628434 | 5449 | SH |  | SOLE | 0 | 5449 | 0 | 0 |
| ISHARES IBONDS DEC 2028 TERM CORPORATE ETF | ETF | 46435U515 |  | 18320715 | 723281 | SH |  | SOLE | 0 | 723281 | 0 | 0 |
| STATE STREET FINANCIAL SELECT SECTOR SPDR ETF | ETF | 81369Y605 |  | 828741 | 16786 | SH |  | SOLE | 0 | 16786 | 0 | 0 |
| VANGUARD FTSE EUROPE ETF | ETF | 922042874 |  | 1685593 | 20449 | SH |  | SOLE | 0 | 20448 | 0 | 0 |
| VANGUARD INFORMATION TECHNOLOGY ETF | ETF | 92204A702 |  | 250022 | 358 | SH |  | SOLE | 0 | 358 | 0 | 0 |
| SCHWAB US TIPS ETF | ETF | 808524870 |  | 5443202 | 204555 | SH |  | SOLE | 0 | 204554 | 0 | 0 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 2558934 | 4282 | SH |  | SOLE | 0 | 4282 | 0 | 0 |
| VANGUARD S SMALL-CAP 600 ETF | ETF | 921932828 |  | 2967550 | 25843 | SH |  | SOLE | 0 | 25842 | 0 | 0 |
| ELI LILLY  CO COM | Stock | 532457108 |  | 518750 | 564 | SH |  | SOLE | 0 | 564 | 0 | 0 |
| ISHARES IBONDS DEC 2029 TERM CORPORATE ETF | ETF | 46436E205 |  | 10537189 | 453018 | SH |  | SOLE | 0 | 453017 | 0 | 0 |
| ISHARES RUSSELL MID-CAP VALUE ETF | ETF | 464287473 |  | 1156099 | 7933 | SH |  | SOLE | 0 | 7932 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | ETF | 464287655 |  | 3341109 | 13472 | SH |  | SOLE | 0 | 13472 | 0 | 0 |
| ISHARES IBONDS DEC 2027 TERM TREASURY ETF | ETF | 46436E841 |  | 6070599 | 270646 | SH |  | SOLE | 0 | 270646 | 0 | 0 |
| ISHARES IBONDS DEC 2026 TERM TREASURY ETF | ETF | 46436E858 |  | 5721115 | 249667 | SH |  | SOLE | 0 | 249666 | 0 | 0 |
| ISHARES IBONDS DEC 2029 TERM TREASURY ETF | ETF | 46436E825 |  | 5388492 | 246692 | SH |  | SOLE | 0 | 246691 | 0 | 0 |
| ISHARES IBONDS DEC 2028 TERM TREASURY ETF | ETF | 46436E833 |  | 5979854 | 268359 | SH |  | SOLE | 0 | 268359 | 0 | 0 |
| JPMORGAN EQUITY PREMIUM INCOME ETF | ETF | 46641Q332 |  | 496914 | 8767 | SH |  | SOLE | 0 | 8767 | 0 | 0 |
| ISHARES 0-3 MONTH TREASURY BOND ETF | ETF | 46436E718 |  | 31572925 | 313659 | SH |  | SOLE | 0 | 313659 | 0 | 0 |
| ISHARES IBONDS DEC 2030 TERM CORPORATE ETF | ETF | 46436E726 |  | 10463890 | 478021 | SH |  | SOLE | 0 | 478021 | 0 | 0 |
| ISHARES RUSSELL MID-CAP GROWTH ETF | ETF | 464287481 |  | 1005937 | 7852 | SH |  | SOLE | 0 | 7851 | 0 | 0 |
| VANGUARD FTSE PACIFIC ETF | ETF | 922042866 |  | 1843116 | 18859 | SH |  | SOLE | 0 | 18859 | 0 | 0 |
| VANGUARD SMALL CAP VALUE ETF | ETF | 922908611 |  | 2676482 | 12320 | SH |  | SOLE | 0 | 12319 | 0 | 0 |
| ISHARES IBONDS 2026 TERM HIGH YIELD AND INCOME ETF | ETF | 46436E528 |  | 807331 | 35178 | SH |  | SOLE | 0 | 35177 | 0 | 0 |
| ISHARES IBONDS DEC 2030 TERM TREASURY ETF | ETF | 46436E593 |  | 5194663 | 263421 | SH |  | SOLE | 0 | 263421 | 0 | 0 |
| DIMENSIONAL U.S. CORE EQUITY 2 ETF | ETF | 25434V708 |  | 662133 | 17039 | SH |  | SOLE | 0 | 17038 | 0 | 0 |
| DIMENSIONAL U.S. EQUITY MARKET ETF | ETF | 25434V401 |  | 416058 | 5867 | SH |  | SOLE | 0 | 5867 | 0 | 0 |
| ISHARES IBONDS 2027 TERM HIGH YIELD AND INCOME ETF | ETF | 46436E478 |  | 805992 | 36421 | SH |  | SOLE | 0 | 36420 | 0 | 0 |
| VANGUARD SMALL-CAP GROWTH ETF | ETF | 922908595 |  | 1715064 | 5674 | SH |  | SOLE | 0 | 5674 | 0 | 0 |
| VANGUARD VALUE ETF | ETF | 922908744 |  | 242689 | 1237 | SH |  | SOLE | 0 | 1236 | 0 | 0 |
| VANGUARD GROWTH ETF | ETF | 922908736 |  | 283222 | 648 | SH |  | SOLE | 0 | 648 | 0 | 0 |
| ISHARES IBONDS 2028 TERM HIGH YIELD AND INCOME ETF | ETF | 46436E387 |  | 797582 | 33983 | SH |  | SOLE | 0 | 33983 | 0 | 0 |
| CANADIAN PACIFIC KANSAS CITY COM | Stock | 13646K108 |  | 214584 | 2728 | SH |  | SOLE | 0 | 2728 | 0 | 0 |
| SANMINA CORP COM | Stock | 801056102 |  | 259280 | 2000 | SH |  | SOLE | 0 | 2000 | 0 | 0 |
| NOVARTIS AG SPONSORED ADR | ADR | 66987V109 |  | 229125 | 1500 | SH |  | SOLE | 0 | 1500 | 0 | 0 |
| ISHARES CORE MSCI EAFE ETF | ETF | 46432F842 |  | 1913053 | 21132 | SH |  | SOLE | 0 | 21131 | 0 | 0 |
| NVIDIA CORPORATION COM | Stock | 67066G104 |  | 432862 | 2482 | SH |  | SOLE | 0 | 2482 | 0 | 0 |
| VANGUARD TOTAL BOND MARKET ETF | ETF | 921937835 |  | 16246953 | 220627 | SH |  | SOLE | 0 | 220626 | 0 | 0 |
| VANGUARD FTSE ALL-WORLD EX-US INDEX FUND | ETF | 922042775 |  | 897660 | 11953 | SH |  | SOLE | 0 | 11952 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS SMALL CAP ETF | ETF | 464286475 |  | 1152939 | 16666 | SH |  | SOLE | 0 | 16665 | 0 | 0 |
| GENERAL DYNAMICS CORP COM | Stock | 369550108 |  | 210737 | 614 | SH |  | SOLE | 0 | 614 | 0 | 0 |
| CISCO SYS INC COM | Stock | 17275R102 |  | 611487 | 7881 | SH |  | SOLE | 0 | 7881 | 0 | 0 |
| ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF | ETF | 464288513 |  | 7049948 | 88612 | SH |  | SOLE | 0 | 88611 | 0 | 0 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 1855170 | 2840 | SH |  | SOLE | 0 | 2840 | 0 | 0 |
| ISHARES IBONDS DEC 2026 TERM CORPORATE ETF | ETF | 46435GAA0 |  | 18431742 | 760385 | SH |  | SOLE | 0 | 760385 | 0 | 0 |
| ISHARES PREFERRED  INCOME SECURITIES ETF | ETF | 464288687 |  | 743174 | 24511 | SH |  | SOLE | 0 | 24511 | 0 | 0 |
| JPMORGAN CHASE  CO COM | Stock | 46625H100 |  | 363288 | 1235 | SH |  | SOLE | 0 | 1235 | 0 | 0 |
| ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF | ETF | 464288638 |  | 9109082 | 171159 | SH |  | SOLE | 0 | 171159 | 0 | 0 |
| CHEVRON CORPORATION COM | Stock | 166764100 |  | 310350 | 1500 | SH |  | SOLE | 0 | 1500 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | ETF | 921943858 |  | 101880265 | 1589892 | SH |  | SOLE | 0 | 1589891 | 0 | 0 |
| STATE STREET SPDR S DIVIDEND ETF | ETF | 78464A763 |  | 1703599 | 11673 | SH |  | SOLE | 0 | 11673 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS COM | Stock | 459200101 |  | 832610 | 3435 | SH |  | SOLE | 0 | 3435 | 0 | 0 |
| ORACLE CORP COM | Stock | 68389X105 |  | 570787 | 3880 | SH |  | SOLE | 0 | 3880 | 0 | 0 |
| VANGUARD FTSE EMERGING MARKETS ETF | ETF | 922042858 |  | 35414375 | 655215 | SH |  | SOLE | 0 | 655215 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD INDEX ETF | ETF | 921946406 |  | 29484976 | 199088 | SH |  | SOLE | 0 | 199088 | 0 | 0 |
| CATERPILLAR INC COM | Stock | 149123101 |  | 553307 | 781 | SH |  | SOLE | 0 | 781 | 0 | 0 |
| AMERICAN EXPRESS CO COM | Stock | 025816109 |  | 410163 | 1356 | SH |  | SOLE | 0 | 1356 | 0 | 0 |
| ISHARES MSCI EAFE SMALL-CAP ETF | ETF | 464288273 |  | 557143 | 7106 | SH |  | SOLE | 0 | 7105 | 0 | 0 |
| ISHARES CORE U.S. AGGREGATE BOND ETF | ETF | 464287226 |  | 144963786 | 1460298 | SH |  | SOLE | 0 | 1460298 | 0 | 0 |
| ISHARES RUSSELL 3000 ETF | ETF | 464287689 |  | 9172213 | 24744 | SH |  | SOLE | 0 | 24744 | 0 | 0 |
| STATE STREET SPDR DOW JONES REIT ETF | ETF | 78464A607 |  | 2388545 | 23656 | SH |  | SOLE | 0 | 23655 | 0 | 0 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 463850 | 2734 | SH |  | SOLE | 0 | 2734 | 0 | 0 |
| LOWES COS INC COM | Stock | 548661107 |  | 295350 | 1250 | SH |  | SOLE | 0 | 1250 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | ETF | 464287507 |  | 4084383 | 60483 | SH |  | SOLE | 0 | 60482 | 0 | 0 |
| ISHARES MSCI EAFE ETF | ETF | 464287465 |  | 1178953 | 12138 | SH |  | SOLE | 0 | 12137 | 0 | 0 |
| APPLE INC COM | Stock | 037833100 |  | 1668448 | 6574 | SH |  | SOLE | 0 | 6574 | 0 | 0 |
| VANGUARD TOTAL WORLD STOCK ETF | ETF | 922042742 |  | 361966 | 2617 | SH |  | SOLE | 0 | 2616 | 0 | 0 |
| STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF | ETF | 78468R663 |  | 405632 | 4426 | SH |  | SOLE | 0 | 4426 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE ETF | ETF | 464287598 |  | 7401692 | 34641 | SH |  | SOLE | 0 | 34640 | 0 | 0 |

---