# EDGAR Filing Document

**Accession Number:** 0001934721
**File Stem:** 0001951757-25-001241
**Filing Date:** 2025-11
**Character Count:** 9427
**Document Hash:** b488b8b2e2334bd857e62736041ad049
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001241.hdr.sgml**: 20251103

**ACCESSION NUMBER**: 0001951757-25-001241

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251103

**DATE AS OF CHANGE**: 20251103

**EFFECTIVENESS DATE**: 20251103

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** STAGE HARBOR FINANCIAL, LLC
- **CENTRAL INDEX KEY:** 0001934721

**ORGANIZATION NAME:**
- **EIN:** 824452475
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23750
- **FILM NUMBER:** 251442313

**BUSINESS ADDRESS:**
- **STREET 1:** 100 LOWDER BROOK DRIVE
- **STREET 2:** SUITE 2500
- **CITY:** WESTWOOD
- **STATE:** MA
- **ZIP:** 02090
- **BUSINESS PHONE:** (781) 934-3130

**MAIL ADDRESS:**
- **STREET 1:** 100 LOWDER BROOK DRIVE
- **STREET 2:** SUITE 2500
- **CITY:** WESTWOOD
- **STATE:** MA
- **ZIP:** 02090

### 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:** STAGE HARBOR FINANCIAL LLC<br>**Address:** 100 LOWDER BROOK DRIVE<br>SUITE 2500<br>WESTWOOD, MA 02090

**Form 13F File Number:** 028-23750

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:** Rosemarie Ranzie<br>**Title:** Chief Compliance Officer<br>**Phone:** (781) 934-3130

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

Rosemarie Ranzie  Westwood, MA  11-03-2025<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:** 57

**Form 13F Information Table Value Total:** $136689753

      (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 |
| ISHARES TR | CORE S ETF | 464287200 |  | 5359362 | 8007 | SH |  | SOLE |  | 8007 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 246301 | 2040 | SH |  | SOLE |  | 2040 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 508015 | 2460 | SH |  | SOLE |  | 2460 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 827912 | 8867 | SH |  | SOLE |  | 8867 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 323983 | 2275 | SH |  | SOLE |  | 2275 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 4085033 | 20065 | SH |  | SOLE |  | 20065 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 6033027 | 12880 | SH |  | SOLE |  | 12880 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 938389 | 3878 | SH |  | SOLE |  | 3878 | 0 | 0 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 5732610 | 88180 | SH |  | SOLE |  | 88180 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 16189740 | 152031 | SH |  | SOLE |  | 152031 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 6424650 | 94717 | SH |  | SOLE |  | 94717 | 0 | 0 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 252472 | 2217 | SH |  | SOLE |  | 2217 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 957172 | 1848 | SH |  | SOLE |  | 1848 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 1736636 | 40424 | SH |  | SOLE |  | 40424 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 4736617 | 180099 | SH |  | SOLE |  | 180099 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 200045 | 8593 | SH |  | SOLE |  | 8593 | 0 | 0 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 384686 | 1576 | SH |  | SOLE |  | 1576 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 308071 | 2791 | SH |  | SOLE |  | 2791 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2217019 | 29811 | SH |  | SOLE |  | 29811 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 625085 | 10432 | SH |  | SOLE |  | 10432 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 499923 | 3507 | SH |  | SOLE |  | 3507 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 342093 | 6314 | SH |  | SOLE |  | 6314 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 5780782 | 115454 | SH |  | SOLE |  | 115454 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 869686 | 1420 | SH |  | SOLE |  | 1420 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 3585545 | 20538 | SH |  | SOLE |  | 20538 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 298197 | 1015 | SH |  | SOLE |  | 1015 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 772644 | 3702 | SH |  | SOLE |  | 3702 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 20964353 | 43711 | SH |  | SOLE |  | 43711 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 3197838 | 17148 | SH |  | SOLE |  | 17148 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 4987864 | 19616 | SH |  | SOLE |  | 19616 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1121124 | 3416 | SH |  | SOLE |  | 3416 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 448619 | 1842 | SH |  | SOLE |  | 1842 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 264736 | 1089 | SH |  | SOLE |  | 1089 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 583837 | 2659 | SH |  | SOLE |  | 2659 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 479723 | 1884 | SH |  | SOLE |  | 1884 | 0 | 0 |
| BOEING CO | COM | 097023105 |  | 244967 | 1135 | SH |  | SOLE |  | 1135 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 217411 | 659 | SH |  | SOLE |  | 659 | 0 | 0 |
| DIMENSIONAL ETF TRUST | DIMENSIONAL US | 25434V559 |  | 3061023 | 52379 | SH |  | SOLE |  | 52379 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 364569 | 6263 | SH |  | SOLE |  | 6263 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 19930687 | 605796 | SH |  | SOLE |  | 605796 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 714586 | 18527 | SH |  | SOLE |  | 18527 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 583098 | 794 | SH |  | SOLE |  | 794 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 255157 | 425 | SH |  | SOLE |  | 425 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 535547 | 11846 | SH |  | SOLE |  | 11846 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 299310 | 3146 | SH |  | SOLE |  | 3146 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 434708 | 2235 | SH |  | SOLE |  | 2235 | 0 | 0 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 865262 | 3374 | SH |  | SOLE |  | 3374 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 310088 | 4704 | SH |  | SOLE |  | 4704 | 0 | 0 |
| MORGAN STANLEY ETF TRUST | EATON VANCE TOTA | 61774R841 |  | 2529514 | 49165 | SH |  | SOLE |  | 49165 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 333300 | 278 | SH |  | SOLE |  | 278 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1212397 | 6498 | SH |  | SOLE |  | 6498 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG MIDVL | 67092P508 |  | 250442 | 6473 | SH |  | SOLE |  | 6473 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 355206 | 1263 | SH |  | SOLE |  | 1263 | 0 | 0 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 562951 | 20974 | SH |  | SOLE |  | 20974 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 504298 | 757 | SH |  | SOLE |  | 757 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 496308 | 1116 | SH |  | SOLE |  | 1116 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 345135 | 1011 | SH |  | SOLE |  | 1011 | 0 | 0 |

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