# EDGAR Filing Document

**Accession Number:** 0002044711
**File Stem:** 0002044711-26-000001
**Filing Date:** 2026-1
**Character Count:** 9933
**Document Hash:** 89869dd4b7df9762b855901458de54f5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002044711-26-000001.hdr.sgml**: 20260122

**ACCESSION NUMBER**: 0002044711-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260122

**DATE AS OF CHANGE**: 20260122

**EFFECTIVENESS DATE**: 20260122

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** K2 Financial Inc.
- **CENTRAL INDEX KEY:** 0002044711

**ORGANIZATION NAME:**
- **EIN:** 833628567
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24796
- **FILM NUMBER:** 26551151

**BUSINESS ADDRESS:**
- **STREET 1:** 233 SOUTH GLENDORA AVENUE
- **CITY:** GLENDORA
- **STATE:** CA
- **ZIP:** 91741
- **BUSINESS PHONE:** 626-553-6113

**MAIL ADDRESS:**
- **STREET 1:** 233 SOUTH GLENDORA AVENUE
- **CITY:** GLENDORA
- **STATE:** CA
- **ZIP:** 91741

### 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:** K2 Financial Inc.<br>**Address:** 233 SOUTH GLENDORA AVENUE<br>GLENDORA, CA 91741

**Form 13F File Number:** 028-24796

**CRD Number (if applicable):** 000300913

**SEC File Number (if applicable):** 801-120939

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:** Travis Bettfreund<br>**Title:** Chief Compliance Officer<br>**Phone:** 626-553-6113

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

Travis Bettfreund  Glendora, CA  01-22-2026<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:** 58

**Form 13F Information Table Value Total:** $129384500

      (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 |
| ABRDN ETFS | BBRG ALL COMD K1 | 003261104 |  | 1626357 | 81440 | SH |  | SOLE | 0 | 0 | 0 | 81440 |
| CHEVRON CORP NEW | COM | 166764100 |  | 425007 | 2669 | SH |  | SOLE | 0 | 0 | 0 | 2669 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 472556 | 6488 | SH |  | SOLE | 0 | 0 | 0 | 6488 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 529155 | 10474 | SH |  | SOLE | 0 | 0 | 0 | 10474 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 347895 | 8950 | SH |  | SOLE | 0 | 0 | 0 | 8950 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 1778666 | 46356 | SH |  | SOLE | 0 | 0 | 0 | 46356 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 1619279 | 21547 | SH |  | SOLE | 0 | 0 | 0 | 21547 |
| GLOBAL X FDS | 1-3 MONTH T-BILL | 37960A438 |  | 607231 | 6062 | SH |  | SOLE | 0 | 0 | 0 | 6062 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 554836 | 26358 | SH |  | SOLE | 0 | 0 | 0 | 26358 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 |  | 2270678 | 19019 | SH |  | SOLE | 0 | 0 | 0 | 19019 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 1703330 | 24410 | SH |  | SOLE | 0 | 0 | 0 | 24410 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 5304546 | 49331 | SH |  | SOLE | 0 | 0 | 0 | 49331 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 3903081 | 36525 | SH |  | SOLE | 0 | 0 | 0 | 36525 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1128569 | 11940 | SH |  | SOLE | 0 | 0 | 0 | 11940 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 434666 | 4991 | SH |  | SOLE | 0 | 0 | 0 | 4991 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1130333 | 12375 | SH |  | SOLE | 0 | 0 | 0 | 12375 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 1800053 | 21391 | SH |  | SOLE | 0 | 0 | 0 | 21391 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 3127251 | 60372 | SH |  | SOLE | 0 | 0 | 0 | 60372 |
| ISHARES TR | MBS ETF | 464288588 |  | 1599388 | 16795 | SH |  | SOLE | 0 | 0 | 0 | 16795 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 223525 | 4414 | SH |  | SOLE | 0 | 0 | 0 | 4414 |
| MCDONALDS CORP | COM | 580135101 |  | 1159227 | 3753 | SH |  | SOLE | 0 | 0 | 0 | 3753 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 564204 | 955 | SH |  | SOLE | 0 | 0 | 0 | 955 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 10371683 | 380612 | SH |  | SOLE | 0 | 0 | 0 | 380612 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 2957883 | 111492 | SH |  | SOLE | 0 | 0 | 0 | 111492 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 2024296 | 61924 | SH |  | SOLE | 0 | 0 | 0 | 61924 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 5104825 | 171073 | SH |  | SOLE | 0 | 0 | 0 | 171073 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 1832792 | 78358 | SH |  | SOLE | 0 | 0 | 0 | 78358 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 1729936 | 56962 | SH |  | SOLE | 0 | 0 | 0 | 56962 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 800786 | 17147 | SH |  | SOLE | 0 | 0 | 0 | 17147 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1426684 | 45465 | SH |  | SOLE | 0 | 0 | 0 | 45465 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 1284314 | 52679 | SH |  | SOLE | 0 | 0 | 0 | 52679 |
| SEI EXCHANGE TRADED FUNDS | ENHANCED US LRG | 81589A205 |  | 4835343 | 103099 | SH |  | SOLE | 0 | 0 | 0 | 103099 |
| SEI EXCHANGE TRADED FUNDS | ENHANCED US LRG | 81589A304 |  | 4895741 | 116178 | SH |  | SOLE | 0 | 0 | 0 | 116178 |
| SEI EXCHANGE TRADED FUNDS | ENHANCED LOW VOL | 81589A403 |  | 719680 | 22144 | SH |  | SOLE | 0 | 0 | 0 | 22144 |
| SEI EXCHANGE TRADED FUNDS | ENHANCED US LRG | 81589A106 |  | 2331307 | 59670 | SH |  | SOLE | 0 | 0 | 0 | 59670 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 596974 | 12414 | SH |  | SOLE | 0 | 0 | 0 | 12414 |
| SPDR INDEX SHS FDS | PORTFLO EURP ETF | 78463X103 |  | 977562 | 18434 | SH |  | SOLE | 0 | 0 | 0 | 18434 |
| SPDR INDEX SHS FDS | ASIA PACIF ETF | 78463X301 |  | 479044 | 3364 | SH |  | SOLE | 0 | 0 | 0 | 3364 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 292145 | 6425 | SH |  | SOLE | 0 | 0 | 0 | 6425 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R739 |  | 200070 | 4156 | SH |  | SOLE | 0 | 0 | 0 | 4156 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R606 |  | 3197336 | 134568 | SH |  | SOLE | 0 | 0 | 0 | 134568 |
| SPDR SERIES TRUST | BLOOMBERG EMERGI | 78464A391 |  | 238559 | 11132 | SH |  | SOLE | 0 | 0 | 0 | 11132 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A284 |  | 882562 | 35232 | SH |  | SOLE | 0 | 0 | 0 | 35232 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 995399 | 19430 | SH |  | SOLE | 0 | 0 | 0 | 19430 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 |  | 1730729 | 66901 | SH |  | SOLE | 0 | 0 | 0 | 66901 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 7505514 | 101248 | SH |  | SOLE | 0 | 0 | 0 | 101248 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 4455200 | 91803 | SH |  | SOLE | 0 | 0 | 0 | 91803 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 620660 | 2813 | SH |  | SOLE | 0 | 0 | 0 | 2813 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 2618437 | 5364 | SH |  | SOLE | 0 | 0 | 0 | 5364 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 548064 | 1730 | SH |  | SOLE | 0 | 0 | 0 | 1730 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2707724 | 13846 | SH |  | SOLE | 0 | 0 | 0 | 13846 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 4726027 | 85446 | SH |  | SOLE | 0 | 0 | 0 | 85446 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 3446390 | 69617 | SH |  | SOLE | 0 | 0 | 0 | 69617 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 5161364 | 102185 | SH |  | SOLE | 0 | 0 | 0 | 102185 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 12517016 | 195762 | SH |  | SOLE | 0 | 0 | 0 | 195762 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 1845967 | 27433 | SH |  | SOLE | 0 | 0 | 0 | 27433 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 |  | 535665 | 3612 | SH |  | SOLE | 0 | 0 | 0 | 3612 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 480989 | 5430 | SH |  | SOLE | 0 | 0 | 0 | 5430 |

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