# EDGAR Filing Document

**Accession Number:** 0001956564
**File Stem:** 0001956564-26-000001
**Filing Date:** 2026-2
**Character Count:** 13624
**Document Hash:** 306b18df571b290addc36199583aa44a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001956564-26-000001.hdr.sgml**: 20260213

**ACCESSION NUMBER**: 0001956564-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260213

**DATE AS OF CHANGE**: 20260213

**EFFECTIVENESS DATE**: 20260213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RFP Financial Group LLC
- **CENTRAL INDEX KEY:** 0001956564

**ORGANIZATION NAME:**
- **EIN:** 824438526
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22750
- **FILM NUMBER:** 26629717

**BUSINESS ADDRESS:**
- **STREET 1:** 1380 WEST PACES FERRY ROAD, NW
- **STREET 2:** SUITE 2155
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30327
- **BUSINESS PHONE:** 4042337272

**MAIL ADDRESS:**
- **STREET 1:** 1380 WEST PACES FERRY ROAD, NW
- **STREET 2:** SUITE 2155
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30327

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** RFP Financial Group LLC<br>**Address:** 1380 WEST PACES FERRY ROAD NW<br>SUITE 2155<br>ATLANTA, GA 30327

**Form 13F File Number:** 028-22750

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:** Morgan Carter<br>**Title:** Client Relationship Manager<br>**Phone:** (404) 233-7272

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

MORGAN CARTER  ATLANTA, GA  02-13-2026<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:** 96

**Form 13F Information Table Value Total:** $208811845

      (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 |
| CATERPILLAR INC COM | CAT | 149123101 |  | 1043769 | 1822 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S SMALL-CAP E | IJR | 464287804 |  | 234722 | 1953 | SH |  | SOLE |  | 0 | 0 | 0 |
| COCA-COLA CO | KO | 191216100 |  | 4580436 | 65519 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INDEX FDS VANGUARD  STK MKT ETF | VTI | 922908769 |  | 927093 | 2765 | SH |  | SOLE |  | 0 | 0 | 0 |
| APPLE INC | AAPL | 037833100 |  | 17740522 | 65256 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD TR S 100 EQL WIGH | EQWL | 46137V449 |  | 27083690 | 229213 | SH |  | SOLE |  | 0 | 0 | 0 |
| BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B | BRKB | 084670702 |  | 269421 | 536 | SH |  | SOLE |  | 0 | 0 | 0 |
| MICROSOFT CORP | MSFT | 594918104 |  | 3675636 | 7600 | SH |  | SOLE |  | 0 | 0 | 0 |
| HOME DEPOT INC | HD | 437076102 |  | 2531476 | 7357 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S 500 ETF | IVV | 464287200 |  | 283572 | 414 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD TR S EQL WGT | RSP | 46137V357 |  | 9843823 | 51388 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD TR S EQL IND | RSPN | 46137V324 |  | 406377 | 7176 | SH |  | SOLE |  | 0 | 0 | 0 |
| CAPITAL GRP FIXED INCM ETF TR SHORT DURATION | CGSD | 14020Y409 |  | 10366523 | 398559 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD MEGA CAP GROWTH INDEX FUND | MGK | 921910816 |  | 1064575 | 2579 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | IJH | 464287507 |  | 219317 | 3323 | SH |  | SOLE |  | 0 | 0 | 0 |
| 3M COMPANY | COM | 88579Y101 |  | 254559 | 1590 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALERIAN MLP ETF | ALERIAN MLP | 00162Q452 |  | 389740 | 8289 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALPHABET INCORPORATED CAP STK CLASS A | CAP STK CL A | 02079K305 |  | 307053 | 981 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALPHABET INCORPORATED CAP STK CLASS C | CAP STK CL C | 02079K107 |  | 2983419 | 9507 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALTRIA GROUP INCORPORATED | COM | 02209S103 |  | 285821 | 4957 | SH |  | SOLE |  | 0 | 0 | 0 |
| AMAZON COM INCORPORATED | COM | 023135106 |  | 1321233 | 5724 | SH |  | SOLE |  | 0 | 0 | 0 |
| AMERICAN EXPRESS COMPANY | COM | 025816109 |  | 975645 | 2637 | SH |  | SOLE |  | 0 | 0 | 0 |
| APPLE INCORPORATED | COM | 037833100 |  | 17740522 | 65256 | SH |  | SOLE |  | 0 | 0 | 0 |
| BANK AMERICA CORPORATION | COM | 060505104 |  | 203005 | 3691 | SH |  | SOLE |  | 0 | 0 | 0 |
| BERKSHIRE HATHAWAY INCORPORATED DEL CLASS B NEW | CL B NEW | 084670702 |  | 269421 | 536 | SH |  | SOLE |  | 0 | 0 | 0 |
| CAPITAL GROUP FXD INCOME ETF SHORT DURATION INCOME ETF | SHORT DURATION | 14020Y409 |  | 10366523 | 398559 | SH |  | SOLE |  | 0 | 0 | 0 |
| CAPITAL GROUP MUNI HIGH-INCOME ETF | MUNICIPAL HIGH I | 14020Y805 |  | 2130663 | 83621 | SH |  | SOLE |  | 0 | 0 | 0 |
| CATERPILLAR INCORPORATED | COM | 149123101 |  | 1043769 | 1822 | SH |  | SOLE |  | 0 | 0 | 0 |
| CHEVRON CORPORATION NEW | COM | 166764100 |  | 682339 | 4477 | SH |  | SOLE |  | 0 | 0 | 0 |
| CISCO SYSTEMS INCORPORATED | COM | 17275R102 |  | 435759 | 5657 | SH |  | SOLE |  | 0 | 0 | 0 |
| COCA COLA COMPANY | COM | 191216100 |  | 4580436 | 65519 | SH |  | SOLE |  | 0 | 0 | 0 |
| COSTCO WHOLESALE CORPORATION NEW | COM | 22160K105 |  | 1287474 | 1493 | SH |  | SOLE |  | 0 | 0 | 0 |
| ELI LILLY  COMPANY | COM | 532457108 |  | 204189 | 190 | SH |  | SOLE |  | 0 | 0 | 0 |
| EXXON MOBIL CORPORATION | COM | 30231G102 |  | 695129 | 5776 | SH |  | SOLE |  | 0 | 0 | 0 |
| FIDELITY MSCI COMMUNICATION SERVICES INDEX ETF | MSCI COMMNTN SVC | 316092873 |  | 1043141 | 14235 | SH |  | SOLE |  | 0 | 0 | 0 |
| GALLAGHER ARTHUR J  COMPANY | COM | 363576109 |  | 258790 | 1000 | SH |  | SOLE |  | 0 | 0 | 0 |
| GENUINE PARTS COMPANY | COM | 372460105 |  | 420653 | 3421 | SH |  | SOLE |  | 0 | 0 | 0 |
| GLOBAL PMTS INCORPORATED | COM | 37940X102 |  | 363782 | 4700 | SH |  | SOLE |  | 0 | 0 | 0 |
| GOLDMAN SACHS GROUP INCORPORATED | COM | 38141G104 |  | 207457 | 236 | SH |  | SOLE |  | 0 | 0 | 0 |
| HOME DEPOT INCORPORATED | COM | 437076102 |  | 2531476 | 7357 | SH |  | SOLE |  | 0 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHINES | COM | 459200101 |  | 311020 | 1050 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO NASDAQ 100 ETF | NASDAQ 100 ETF | 46138G649 |  | 1036972 | 4100 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO S 100 EQUAL WEIGHT ETF | S 100 EQL WIGH | 46137V449 |  | 27083690 | 229213 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO S 500 EQUAL WEIGHT ETF | S EQL WGT | 46137V357 |  | 9843823 | 51388 | SH |  | SOLE |  | 0 | 0 | 0 |
| INVESCO S 500 EQUAL WEIGHT INDUSTRIALS ETF | S EQL IND | 46137V324 |  | 406377 | 7176 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR CORE S SCP ETF | CORE S SCP ETF | 464287804 |  | 234722 | 1953 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 1-5 YR TR | IBONDS 1-5 YR TR | 46438G521 |  | 495232 | 19563 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 26 TRM TS | IBONDS 26 TRM TS | 46436E858 |  | 252691 | 11047 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 27 TRM TS | IBONDS 27 TRM TS | 46436E841 |  | 257727 | 11470 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 28 TRM TS | IBONDS 28 TRM TS | 46436E833 |  | 260833 | 11663 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR IBONDS 29 TRM TS | IBONDS 29 TRM TS | 46436E825 |  | 256413 | 11684 | SH |  | SOLE |  | 0 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1616690 | 7812 | SH |  | SOLE |  | 0 | 0 | 0 |
| JPMORGAN CHASE  COMPANY. | COM | 46625H100 |  | 2105954 | 6536 | SH |  | SOLE |  | 0 | 0 | 0 |
| LOCKHEED MARTIN CORPORATION | COM | 539830109 |  | 224423 | 464 | SH |  | SOLE |  | 0 | 0 | 0 |
| MCDONALDS CORPORATION | COM | 580135101 |  | 229223 | 750 | SH |  | SOLE |  | 0 | 0 | 0 |
| MERCK  COMPANY INCORPORATED | COM | 58933Y105 |  | 808807 | 7684 | SH |  | SOLE |  | 0 | 0 | 0 |
| META PLATFORMS INCORPORATED CLASS A | CL A | 30303M102 |  | 330793 | 501 | SH |  | SOLE |  | 0 | 0 | 0 |
| MICROSOFT CORPORATION | COM | 594918104 |  | 3675636 | 7600 | SH |  | SOLE |  | 0 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 864710 | 4637 | SH |  | SOLE |  | 0 | 0 | 0 |
| PEPSICO INCORPORATED | COM | 713448108 |  | 772716 | 5384 | SH |  | SOLE |  | 0 | 0 | 0 |
| PHILIP MORRIS INTERNATIONAL INCORPORATED | COM | 718172109 |  | 924612 | 5764 | SH |  | SOLE |  | 0 | 0 | 0 |
| PROCTER AND GAMBLE COMPANY | COM | 742718109 |  | 383068 | 2673 | SH |  | SOLE |  | 0 | 0 | 0 |
| SOUTHERN COMPANY | COM | 842587107 |  | 938404 | 10762 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR GOLD SHARES | GOLD SHS | 78463V107 |  | 234219 | 591 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR S 500 ETF | TR UNIT | 78462F103 |  | 864237 | 1267 | SH |  | SOLE |  | 0 | 0 | 0 |
| SYNOVUS FINL CORPORATION COM NEW | COM NEW | 87161C501 |  | 452560 | 9042 | SH |  | SOLE |  | 0 | 0 | 0 |
| TESLA INCORPORATED | COM | 88160R101 |  | 357078 | 794 | SH |  | SOLE |  | 0 | 0 | 0 |
| TRAEGER INCORPORATED COMMON STOCK | COMMON STOCK | 89269P103 |  | 27000 | 25000 | SH |  | SOLE |  | 0 | 0 | 0 |
| TRUIST FINL CORPORATION | COM | 89832Q109 |  | 483410 | 9823 | SH |  | SOLE |  | 0 | 0 | 0 |
| UNITEDHEALTH GROUP INCORPORATED | COM | 91324P102 |  | 432833 | 1311 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD 0-3 MONTH TREASURY BILL ETF | 0-3 MO TREAS BIL | 922040845 |  | 2659951 | 35263 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD MEGA CAP GROWTH ETF | MEGA GRWTH IND | 921910816 |  | 1064575 | 2579 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SMALL-CAP VALUE ETF | SM CP VAL ETF | 922908611 |  | 1033535 | 4880 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | TOTAL STK MKT | 922908769 |  | 927093 | 2765 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD U.S. VALUE FACTOR ETF | US VALUE FACTR | 921935805 |  | 4667304 | 35150 | SH |  | SOLE |  | 0 | 0 | 0 |
| VERIZON COMMUNICATIONS INCORPORATED | COM | 92343V104 |  | 272046 | 6679 | SH |  | SOLE |  | 0 | 0 | 0 |
| VISA INCORPORATED COM CLASS A | COM CL A | 92826C839 |  | 522208 | 1489 | SH |  | SOLE |  | 0 | 0 | 0 |
| WALMART INCORPORATED | COM | 931142103 |  | 2719281 | 24408 | SH |  | SOLE |  | 0 | 0 | 0 |
| JPMORGAN MID CAP VALUE L | FLMVX | 339128100 |  | 216477 | 6784 | SH |  | SOLE |  | 0 | 0 | 0 |
| GRAYSCALE BITCOIN TRUST ETF | GBTC | 389637109 |  | 238850 | 3494 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANECK GOLD MINERS ETF | GDX | 92189F106 |  | 217130 | 2532 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S MID CAPETF | IJH | 464287507 |  | 219317 | 3323 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S 500    ETF | IVV | 464287200 |  | 283572 | 414 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB US TREASURY MONEY INVESTOR | SNSXX | 808515548 |  | 34938 | 34938 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB US TREASURY MONEY ULTRA | SUTXX | 808515472 |  | 2033131 | 2033131 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB PRIME ADVANTAGE MONEY INVESTOR | SWVXX | 808515605 |  | 114307 | 114307 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD EQUITY-INCOME ADM | VEIRX | 921921300 |  | 496874 | 5348 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD 500 INDEX ADMIRAL | VFIAX | 922908710 |  | 1621356 | 2566 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD HEALTH CARE ADM | VGHAX | 921908885 |  | 201024 | 2331 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD MID CAP INDEX ADMIRAL | VIMAX | 922908645 |  | 302215 | 841 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SMALL CAP INDEX ADMIRAL SHARES | VSMAX | 922908686 |  | 353473 | 2860 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD TOTAL INTL STOCK INDEX ADMIRAL | VTIAX | 921909818 |  | 365680 | 9022 | SH |  | SOLE |  | 0 | 0 | 0 |
| ST SRT SPDR S ARSPC ADDEF ETF | XAR | 78464A631 |  | 209874 | 870 | SH |  | SOLE |  | 0 | 0 | 0 |
| STATE STREET SPDR NYSE  TECHNOLGY ETF | XNTK | 78464A102 |  | 200907 | 723 | SH |  | SOLE |  | 0 | 0 | 0 |
| STATE SRT SPDR S      SMCNDCTR ETF | XSD | 78464A862 |  | 205824 | 640 | SH |  | SOLE |  | 0 | 0 | 0 |
| STATE STREET SPDR S   TELECM ETF | XTL | 78464A540 |  | 212080 | 1384 | SH |  | SOLE |  | 0 | 0 | 0 |

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