# EDGAR Filing Document

**Accession Number:** 0002140428
**File Stem:** 0002140428-26-000002
**Filing Date:** 2026-6
**Character Count:** 12562
**Document Hash:** 966d00228ecc5008d0e407c9c8c21d82
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002140428-26-000002.hdr.sgml**: 20260612

**ACCESSION NUMBER**: 0002140428-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260612

**DATE AS OF CHANGE**: 20260611

**EFFECTIVENESS DATE**: 20260612

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** S&A Financial Services, Inc.
- **CENTRAL INDEX KEY:** 0002140428

**ORGANIZATION NAME:**
- **EIN:** 481120221
- **STATE OF INCORPORATION:** KS
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-27017
- **FILM NUMBER:** 261084491

**BUSINESS ADDRESS:**
- **STREET 1:** 8655 COLLEGE BLVD.
- **STREET 2:** SUITE 100
- **CITY:** OVERLAND PARK
- **STATE:** KS
- **ZIP:** 66210-1835
- **BUSINESS PHONE:** 913-362-2712

**MAIL ADDRESS:**
- **STREET 1:** 8655 COLLEGE BLVD.
- **STREET 2:** SUITE 100
- **CITY:** OVERLAND PARK
- **STATE:** KS
- **ZIP:** 66210-1835

### 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:** S Financial Services Inc.<br>**Address:** 8655 College Blvd.<br>Suite 100<br>Overland Park, KS 66210-1835

**Form 13F File Number:** 028-27017

**CRD Number (if applicable):** 000110471

**SEC File Number (if applicable):** 801-57170

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:** Gregory Shepard<br>**Title:** President/CCO<br>**Phone:** 913-362-2712

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

/s/Gregory Shepard  Overland Park, KS  06-11-2026<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:** 87

**Form 13F Information Table Value Total:** $145560393

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 583646 | 2029 | SH |  | SOLE |  | 0 | 0 | 2029 |
| AMAZON COM INC | COM | 023135106 |  | 1042599 | 5006 | SH |  | SOLE |  | 0 | 0 | 5006 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 5460222 | 49112 | SH |  | SOLE |  | 0 | 0 | 49112 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 6460376 | 80144 | SH |  | SOLE |  | 0 | 0 | 80144 |
| APPLE INC | COM | 037833100 |  | 4836400 | 19057 | SH |  | SOLE |  | 0 | 0 | 19057 |
| AT INC | COM | 00206R102 |  | 298765 | 10306 | SH |  | SOLE |  | 0 | 0 | 10306 |
| BARRICK MNG CORP | COM SHS | 06849F108 |  | 332275 | 8146 | SH |  | SOLE |  | 0 | 0 | 8146 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 664171 | 1386 | SH |  | SOLE |  | 0 | 0 | 1386 |
| BNY MELLON ETF TRUST | GLOBAL INFRASCTR | 09661T826 |  | 2995112 | 67245 | SH |  | SOLE |  | 0 | 0 | 67245 |
| BONDBLOXX ETF TRUST | BBB RATED 1 5 YE | 09789C754 |  | 3088809 | 60393 | SH |  | SOLE |  | 0 | 0 | 60393 |
| BONDBLOXX ETF TRUST | BBB RATED 5 10 Y | 09789C747 |  | 235241 | 4574 | SH |  | SOLE |  | 0 | 0 | 4574 |
| BONDBLOXX ETF TRUST | BLOOMBERG FVE YR | 09789C838 |  | 1924069 | 39139 | SH |  | SOLE |  | 0 | 0 | 39139 |
| BONDBLOXX ETF TRUST | BLOOMBERG ONE YR | 09789C861 |  | 4822565 | 97386 | SH |  | SOLE |  | 0 | 0 | 97386 |
| BONDBLOXX ETF TRUST | BLOOMBERG SIX MN | 09789C788 |  | 3235005 | 64276 | SH |  | SOLE |  | 0 | 0 | 64276 |
| BONDBLOXX ETF TRUST | BLOOMBERG TEN YR | 09789C812 |  | 778267 | 16970 | SH |  | SOLE |  | 0 | 0 | 16970 |
| BONDBLOXX ETF TRUST | BLOOMBERG THREE | 09789C846 |  | 570188 | 11517 | SH |  | SOLE |  | 0 | 0 | 11517 |
| BONDBLOXX ETF TRUST | BLOOMBERG TWO YR | 09789C853 |  | 2336995 | 47410 | SH |  | SOLE |  | 0 | 0 | 47410 |
| BONDBLOXX ETF TRUST | BONDBLOXX PRIVAT | 09789C671 |  | 655651 | 13334 | SH |  | SOLE |  | 0 | 0 | 13334 |
| BP PLC | SPONSORED ADR | 055622104 |  | 292218 | 6217 | SH |  | SOLE |  | 0 | 0 | 6217 |
| CASEYS GEN STORES INC | COM | 147528103 |  | 207395 | 285 | SH |  | SOLE |  | 0 | 0 | 285 |
| CATERPILLAR INC | COM | 149123101 |  | 212538 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| CISCO SYS INC | COM | 17275R102 |  | 328309 | 4231 | SH |  | SOLE |  | 0 | 0 | 4231 |
| COPART INC | COM | 217204106 |  | 2530106 | 76208 | SH |  | SOLE |  | 0 | 0 | 76208 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 1936207 | 1943 | SH |  | SOLE |  | 0 | 0 | 1943 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 259529 | 4198 | SH |  | SOLE |  | 0 | 0 | 4198 |
| ELI LILLY  CO | COM | 532457108 |  | 390593 | 425 | SH |  | SOLE |  | 0 | 0 | 425 |
| EVERGY INC | COM | 30034W106 |  | 748793 | 9141 | SH |  | SOLE |  | 0 | 0 | 9141 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 362652 | 2138 | SH |  | SOLE |  | 0 | 0 | 2138 |
| FIDELITY COVINGTON TRUST | HIGH DIVID ETF | 316092840 |  | 2414750 | 43714 | SH |  | SOLE |  | 0 | 0 | 43714 |
| FIRST FINL BANKSHARES INC | COM | 32020R109 |  | 351932 | 11950 | SH |  | SOLE |  | 0 | 0 | 11950 |
| GE AEROSPACE | COM NEW | 369604301 |  | 230279 | 811 | SH |  | SOLE |  | 0 | 0 | 811 |
| INVESCO EXCHANGE TRADED FD T | AEROSPACE DEFN | 46137V100 |  | 439298 | 2651 | SH |  | SOLE |  | 0 | 0 | 2651 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 282100 | 4140 | SH |  | SOLE |  | 0 | 0 | 4140 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 11626142 | 274785 | SH |  | SOLE |  | 0 | 0 | 274785 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 1767297 | 13022 | SH |  | SOLE |  | 0 | 0 | 13022 |
| ISHARES TR | CORE S ETF | 464287200 |  | 293434 | 449 | SH |  | SOLE |  | 0 | 0 | 449 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 260996 | 5123 | SH |  | SOLE |  | 0 | 0 | 5123 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 426265 | 3911 | SH |  | SOLE |  | 0 | 0 | 3911 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 2222749 | 6763 | SH |  | SOLE |  | 0 | 0 | 6763 |
| ISHARES TR | MORNINGSTR US EQ | 464287127 |  | 218809 | 2435 | SH |  | SOLE |  | 0 | 0 | 2435 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 253591 | 2389 | SH |  | SOLE |  | 0 | 0 | 2389 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 278262 | 2460 | SH |  | SOLE |  | 0 | 0 | 2460 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 376821 | 1785 | SH |  | SOLE |  | 0 | 0 | 1785 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 916689 | 6054 | SH |  | SOLE |  | 0 | 0 | 6054 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 1286031 | 24106 | SH |  | SOLE |  | 0 | 0 | 24106 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 5271660 | 29058 | SH |  | SOLE |  | 0 | 0 | 29058 |
| ISHARES TR | U.S. UTILITS ETF | 464287697 |  | 560183 | 4825 | SH |  | SOLE |  | 0 | 0 | 4825 |
| ISHARES TR | US CONSM STAPLES | 464287812 |  | 1462420 | 20883 | SH |  | SOLE |  | 0 | 0 | 20883 |
| ISHARES TR | US CONSUM DISCRE | 464287580 |  | 3443378 | 35528 | SH |  | SOLE |  | 0 | 0 | 35528 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 1186477 | 20743 | SH |  | SOLE |  | 0 | 0 | 20743 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 3634066 | 64115 | SH |  | SOLE |  | 0 | 0 | 64115 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 1643767 | 35680 | SH |  | SOLE |  | 0 | 0 | 35680 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 3588855 | 64641 | SH |  | SOLE |  | 0 | 0 | 64641 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 318624 | 9503 | SH |  | SOLE |  | 0 | 0 | 9503 |
| MCDONALDS CORP | COM | 580135101 |  | 202428 | 651 | SH |  | SOLE |  | 0 | 0 | 651 |
| META PLATFORMS INC | CL A | 30303M102 |  | 862841 | 1508 | SH |  | SOLE |  | 0 | 0 | 1508 |
| MICROSOFT CORP | COM | 594918104 |  | 1038793 | 2807 | SH |  | SOLE |  | 0 | 0 | 2807 |
| NEOS ETF TRUST | NEOS ENH INC 1-3 | 78433H501 |  | 245709 | 4936 | SH |  | SOLE |  | 0 | 0 | 4936 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 375216 | 2151 | SH |  | SOLE |  | 0 | 0 | 2151 |
| ORACLE CORP | COM | 68389X105 |  | 246851 | 1678 | SH |  | SOLE |  | 0 | 0 | 1678 |
| PIMCO ETF TR | MULTISECTOR BD | 72201R585 |  | 1301384 | 49671 | SH |  | SOLE |  | 0 | 0 | 49671 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 798989 | 26043 | SH |  | SOLE |  | 0 | 0 | 26043 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 7526922 | 258391 | SH |  | SOLE |  | 0 | 0 | 258391 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 731249 | 28520 | SH |  | SOLE |  | 0 | 0 | 28520 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 410832 | 5011 | SH |  | SOLE |  | 0 | 0 | 5011 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 538370 | 8788 | SH |  | SOLE |  | 0 | 0 | 8788 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 1094166 | 7463 | SH |  | SOLE |  | 0 | 0 | 7463 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 265400 | 1997 | SH |  | SOLE |  | 0 | 0 | 1997 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 594384 | 12952 | SH |  | SOLE |  | 0 | 0 | 12952 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 607139 | 1411 | SH |  | SOLE |  | 0 | 0 | 1411 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R606 |  | 9966570 | 427383 | SH |  | SOLE |  | 0 | 0 | 427383 |
| SSGA ACTIVE ETF TR | STATE STREET BLA | 78467V608 |  | 6262491 | 156016 | SH |  | SOLE |  | 0 | 0 | 156016 |
| STATE STR SPDR S MIDCAP 40 | UTSER1 S | 78467Y107 |  | 252590 | 410 | SH |  | SOLE |  | 0 | 0 | 410 |
| TESLA INC | COM | 88160R101 |  | 402977 | 1084 | SH |  | SOLE |  | 0 | 0 | 1084 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1914004 | 3203 | SH |  | SOLE |  | 0 | 0 | 3203 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 680343 | 2121 | SH |  | SOLE |  | 0 | 0 | 2121 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1919743 | 29959 | SH |  | SOLE |  | 0 | 0 | 29959 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 231677 | 1564 | SH |  | SOLE |  | 0 | 0 | 1564 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 213190 | 1185 | SH |  | SOLE |  | 0 | 0 | 1185 |
| VANGUARD WORLD FD | CONSUM DIS ETF | 92204A108 |  | 706877 | 1969 | SH |  | SOLE |  | 0 | 0 | 1969 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 1555792 | 6927 | SH |  | SOLE |  | 0 | 0 | 6927 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 2109183 | 7745 | SH |  | SOLE |  | 0 | 0 | 7745 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 7444359 | 10670 | SH |  | SOLE |  | 0 | 0 | 10670 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 276694 | 1396 | SH |  | SOLE |  | 0 | 0 | 1396 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 379187 | 7554 | SH |  | SOLE |  | 0 | 0 | 7554 |
| WALMART INC | COM | 931142103 |  | 683076 | 5496 | SH |  | SOLE |  | 0 | 0 | 5496 |
| WELLTOWER INC | COM | 95040Q104 |  | 1377396 | 6967 | SH |  | SOLE |  | 0 | 0 | 6967 |

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