# EDGAR Filing Document

**Accession Number:** 0001911695
**File Stem:** 0001911695-26-000001
**Filing Date:** 2026-1
**Character Count:** 11983
**Document Hash:** e5259af22bd74cf02b0da6fe0c49b880
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001911695-26-000001.hdr.sgml**: 20260123

**ACCESSION NUMBER**: 0001911695-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260123

**DATE AS OF CHANGE**: 20260123

**EFFECTIVENESS DATE**: 20260123

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Family CFO Inc
- **CENTRAL INDEX KEY:** 0001911695

**ORGANIZATION NAME:**
- **EIN:** 208143263
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22301
- **FILM NUMBER:** 26557229

**BUSINESS ADDRESS:**
- **STREET 1:** 1064 LAURELES DRIVE
- **CITY:** LOS ALTOS
- **STATE:** CA
- **ZIP:** 94022
- **BUSINESS PHONE:** 650-218-3551

**MAIL ADDRESS:**
- **STREET 1:** 1064 LAURELES DRIVE
- **CITY:** LOS ALTOS
- **STATE:** CA
- **ZIP:** 94022

### 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:** Family CFO Inc<br>**Address:** 1064 LAURELES DRIVE<br>LOS ALTOS, CA 94022

**Form 13F File Number:** 028-22301

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:** Cody Branson<br>**Title:** Compliance Consultant<br>**Phone:** 7202633776

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

Cody Branson  Denver, CO  01-23-2026<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:** 87

**Form 13F Information Table Value Total:** $223605677

      (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

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|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 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 |
| Abbvie Inc | COM | 00287Y109 |  | 4570 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |
| Agilent Technologies Inc. | COM | 00846U101 |  | 112666 | 828 | SH |  | SOLE |  | 0 | 0 | 828 |
| ALPHA ARCHITECT ETF US EQUITY | COM | 02072Q358 |  | 979235 | 19852 | SH |  | SOLE |  | 0 | 0 | 19852 |
| Amazon.com | COM | 023135106 |  | 210508 | 912 | SH |  | SOLE |  | 0 | 0 | 912 |
| Amgen Inc | COM | 031162100 |  | 129615 | 396 | SH |  | SOLE |  | 0 | 0 | 396 |
| Apple | COM | 037833100 |  | 409693 | 1507 | SH |  | SOLE |  | 0 | 0 | 1507 |
| Applied Materials | COM | 038222105 |  | 11565 | 45 | SH |  | SOLE |  | 0 | 0 | 45 |
| Berkshire Hathaway | COM | 084670702 |  | 1527051 | 3038 | SH |  | SOLE |  | 0 | 0 | 3038 |
| BlackRock Inc | COM | 09290D101 |  | 3211 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| Blackstone Inc | COM | 09260D107 |  | 28362 | 184 | SH |  | SOLE |  | 0 | 0 | 184 |
| Bloom Energy Corporation Com C L A | COM | 093712107 |  | 7286856 | 83863 | SH |  | SOLE |  | 0 | 0 | 83863 |
| Broadcom Inc | COM | 11135F101 |  | 34610 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| Burlington Stores Inc | COM | 122017106 |  | 2889 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| Carrier Global Corp-Wi | COM | 14448C104 |  | 9828 | 186 | SH |  | SOLE |  | 0 | 0 | 186 |
| Cintas Corp | COM | 172908105 |  | 3009 | 16 | SH |  | SOLE |  | 0 | 0 | 16 |
| Cisco Systems Inc. | COM | 17275R102 |  | 186490 | 2421 | SH |  | SOLE |  | 0 | 0 | 2421 |
| Costco Wholesale Corp | COM | 22160K105 |  | 163845 | 190 | SH |  | SOLE |  | 0 | 0 | 190 |
| Dimensional ETF  US Large Cap Value | COM | 25434V666 |  | 236186 | 6904 | SH |  | SOLE |  | 0 | 0 | 6904 |
| DIMENSIONAL ETF INTERNATIONAL VALUE | COM | 25434V807 |  | 3206674 | 64262 | SH |  | SOLE |  | 0 | 0 | 64262 |
| DIMENSIONAL ETF TR EMERGING MKTS VA | COM | 25434V740 |  | 584917 | 17336 | SH |  | SOLE |  | 0 | 0 | 17336 |
| DIMENSIONAL ETF TR US MARKETWI DE VALUE ETF | COM | 25434V724 |  | 2582111 | 55422 | SH |  | SOLE |  | 0 | 0 | 55422 |
| Dimensional US Small Cap Value ETF | COM | 25434V815 |  | 368828 | 11214 | SH |  | SOLE |  | 0 | 0 | 11214 |
| DIMENSNL ULTRASHRT FIXED INCM ETF | COM | 25434V591 |  | 1971349 | 38921 | SH |  | SOLE |  | 0 | 0 | 38921 |
| Eli Lilly  Co | COM | 532457108 |  | 74153 | 69 | SH |  | SOLE |  | 0 | 0 | 69 |
| ENDONOVO THERAPEUTICS INC COM | COM | 29272H300 |  | 0 | 60 | SH |  | SOLE |  | 0 | 0 | 60 |
| Federal Express Corp | COM | 31428X106 |  | 40152 | 139 | SH |  | SOLE |  | 0 | 0 | 139 |
| First Trust Capital Strength ETF | COM | 33733E104 |  | 20168 | 218 | SH |  | SOLE |  | 0 | 0 | 218 |
| Goldman Sachs ActiveBeta Intl Eq ETF | COM | 381430107 |  | 64024 | 1491 | SH |  | SOLE |  | 0 | 0 | 1491 |
| Google Inc | COM | 02079K107 |  | 87864 | 280 | SH |  | SOLE |  | 0 | 0 | 280 |
| GOOGLE INC CL A | COM | 02079K305 |  | 6886 | 22 | SH |  | SOLE |  | 0 | 0 | 22 |
| Home Depot Inc. | COM | 437076102 |  | 34410 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| International Business Machines | COM | 459200101 |  | 24989 | 84 | SH |  | SOLE |  | 0 | 0 | 84 |
| International Small Cap Value ETF | COM | 25434V781 |  | 239286 | 6297 | SH |  | SOLE |  | 0 | 0 | 6297 |
| Johnson  Johnson | COM | 478160104 |  | 31043 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| JP Morgan Chase | COM | 46625H100 |  | 6767 | 21 | SH |  | SOLE |  | 0 | 0 | 21 |
| Keysight Technologies Inc. | COM | 49338L103 |  | 94483 | 465 | SH |  | SOLE |  | 0 | 0 | 465 |
| Kyndryl Hldgs Inc Com | COM | 50155Q100 |  | 372 | 14 | SH |  | SOLE |  | 0 | 0 | 14 |
| Meta Platforms Inc Com Cl A | COM | 30303M102 |  | 71290 | 108 | SH |  | SOLE |  | 0 | 0 | 108 |
| Microsoft Corp Com | COM | 594918104 |  | 149922 | 310 | SH |  | SOLE |  | 0 | 0 | 310 |
| NVIDIA CORP COM | COM | 67066G104 |  | 9325 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| Oracle Corp Com | COM | 68389X105 |  | 304449 | 1562 | SH |  | SOLE |  | 0 | 0 | 1562 |
| OTIS Worldwide Corp-Wi | COM | 68902V107 |  | 8124 | 93 | SH |  | SOLE |  | 0 | 0 | 93 |
| Palo Alto Networks | COM | 697435105 |  | 2579 | 14 | SH |  | SOLE |  | 0 | 0 | 14 |
| Pepsico Inc | COM | 713448108 |  | 17940 | 125 | SH |  | SOLE |  | 0 | 0 | 125 |
| Rtx Corp | COM | 75513E101 |  | 34112 | 186 | SH |  | SOLE |  | 0 | 0 | 186 |
| Salesforce.com | COM | 79466L302 |  | 2914 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| SAP SE ADR | COM | 803054204 |  | 4372 | 18 | SH |  | SOLE |  | 0 | 0 | 18 |
| SPDR S Biotech ETF | COM | 78464A870 |  | 64135 | 526 | SH |  | SOLE |  | 0 | 0 | 526 |
| Spdr Tr Unit Ser 1 | COM | 78462F103 |  | 79103 | 116 | SH |  | SOLE |  | 0 | 0 | 116 |
| Starbucks Corporation | COM | 855244109 |  | 9684 | 115 | SH |  | SOLE |  | 0 | 0 | 115 |
| Stryker Corp | COM | 863667101 |  | 3163 | 9 | SH |  | SOLE |  | 0 | 0 | 9 |
| Tesla Inc. | COM | 88160R101 |  | 1251571 | 2783 | SH |  | SOLE |  | 0 | 0 | 2783 |
| Uber Technologies Inc | COM | 90353T100 |  | 86041 | 1053 | SH |  | SOLE |  | 0 | 0 | 1053 |
| Vanguard 0-3 Month Treasury Bill ETF | COM | 922040845 |  | 1075707 | 14261 | SH |  | SOLE |  | 0 | 0 | 14261 |
| VANGUARD ALLWRLD EX US ETF | COM | 922042775 |  | 2115953 | 28765 | SH |  | SOLE |  | 0 | 0 | 28765 |
| VANGUARD DIVIDEND APPRECIATION ETF | COM | 921908844 |  | 22804258 | 103759 | SH |  | SOLE |  | 0 | 0 | 103759 |
| Vanguard ESG US Stock ETF | COM | 921910733 |  | 1132669 | 9364 | SH |  | SOLE |  | 0 | 0 | 9364 |
| Vanguard EST International Stock ETF | COM | 921910725 |  | 1189742 | 16612 | SH |  | SOLE |  | 0 | 0 | 16612 |
| VANGUARD EXTEND MKT ETF | COM | 922908652 |  | 3153530 | 15080 | SH |  | SOLE |  | 0 | 0 | 15080 |
| Vanguard FTSE All-World ex-US Sm-Cap Index Fund | COM | 922042718 |  | 11999713 | 83721 | SH |  | SOLE |  | 0 | 0 | 83721 |
| VANGUARD FTSE DEV MKT ETF | COM | 921943858 |  | 2424523 | 38811 | SH |  | SOLE |  | 0 | 0 | 38811 |
| VANGUARD FTSE EMR MKT ETF | COM | 922042858 |  | 3599232 | 66950 | SH |  | SOLE |  | 0 | 0 | 66950 |
| VANGUARD GLB EX US ETF | COM | 922042676 |  | 180964 | 3948 | SH |  | SOLE |  | 0 | 0 | 3948 |
| VANGUARD GROWTH ETF | COM | 922908736 |  | 5768945 | 11825 | SH |  | SOLE |  | 0 | 0 | 11825 |
| Vanguard Information Technology ETF | COM | 92204A702 |  | 200505 | 266 | SH |  | SOLE |  | 0 | 0 | 266 |
| Vanguard Intl Div Apprec ETF | COM | 921946810 |  | 73983 | 809 | SH |  | SOLE |  | 0 | 0 | 809 |
| VANGUARD INT-TERM CORP ETF | COM | 92206C870 |  | 10049106 | 119989 | SH |  | SOLE |  | 0 | 0 | 119989 |
| VANGUARD MID CAP ETF | COM | 922908629 |  | 136113 | 469 | SH |  | SOLE |  | 0 | 0 | 469 |
| VANGUARD MORTGAGE-BACK SEC ETF | COM | 92206C771 |  | 14755290 | 313409 | SH |  | SOLE |  | 0 | 0 | 313409 |
| Vanguard Real Estate ETF | COM | 922908553 |  | 1918109 | 21676 | SH |  | SOLE |  | 0 | 0 | 21676 |
| Vanguard S 500 ETF | COM | 922908363 |  | 12109880 | 19310 | SH |  | SOLE |  | 0 | 0 | 19310 |
| Vanguard Short-Term Corporate Bond ETF | COM | 92206C409 |  | 170144 | 2134 | SH |  | SOLE |  | 0 | 0 | 2134 |
| Vanguard Small Cap ETF | COM | 922908751 |  | 557946 | 2163 | SH |  | SOLE |  | 0 | 0 | 2163 |
| VANGUARD SMALL CAP VALUE ETF | COM | 922908611 |  | 16209624 | 76536 | SH |  | SOLE |  | 0 | 0 | 76536 |
| VANGUARD STRM INFPROIDX ETF | COM | 922020805 |  | 7811069 | 157927 | SH |  | SOLE |  | 0 | 0 | 157927 |
| Vanguard Total Bond Market | COM | 921937835 |  | 166658 | 2250 | SH |  | SOLE |  | 0 | 0 | 2250 |
| Vanguard Total International Bond ETF | COM | 92203J407 |  | 405550 | 8393 | SH |  | SOLE |  | 0 | 0 | 8393 |
| VANGUARD TOTAL INTL STOCK INDEX FUND ETF | COM | 921909768 |  | 20654002 | 273781 | SH |  | SOLE |  | 0 | 0 | 273781 |
| Vanguard Total Stock Market ETF | COM | 922908769 |  | 51995676 | 155086 | SH |  | SOLE |  | 0 | 0 | 155086 |
| Vanguard Ultra-Short Bond ETF | COM | 92203C303 |  | 579888 | 11635 | SH |  | SOLE |  | 0 | 0 | 11635 |
| VANGUARD VALUE ETF | COM | 922908744 |  | 7105155 | 37202 | SH |  | SOLE |  | 0 | 0 | 37202 |
| VeriSign Inc. | COM | 92343E102 |  | 12148 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| Visa Inc | COM | 92826C839 |  | 4209 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| Wells Fargo  Company | COM | 949746101 |  | 125540 | 1347 | SH |  | SOLE |  | 0 | 0 | 1347 |
| West Coast Community Bancorp | COM | 952170108 |  | 204512 | 4648 | SH |  | SOLE |  | 0 | 0 | 4648 |
| WR Berkley Corp | COM | 084423102 |  | 4207 | 60 | SH |  | SOLE |  | 0 | 0 | 60 |
| Zscaler Inc | COM | 98980G102 |  | 33738 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |

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