# EDGAR Filing Document

**Accession Number:** 0001767602
**File Stem:** 0001951757-26-000284
**Filing Date:** 2026-1
**Character Count:** 6975
**Document Hash:** ab79aaf83dd7a7b83c03ef4c7ce64121
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000284.hdr.sgml**: 20260123

**ACCESSION NUMBER**: 0001951757-26-000284

**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:** Roberts Financial Services LLC
- **CENTRAL INDEX KEY:** 0001767602

**ORGANIZATION NAME:**
- **EIN:** 823516873
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19212
- **FILM NUMBER:** 26557435

**BUSINESS ADDRESS:**
- **STREET 1:** 989 WEST WASHINGTON STREET
- **STREET 2:** SUITE 101
- **CITY:** MARQUETTE
- **STATE:** MI
- **ZIP:** 49855
- **BUSINESS PHONE:** 9062285564

**MAIL ADDRESS:**
- **STREET 1:** 989 WEST WASHINGTON STREET
- **STREET 2:** SUITE 101
- **CITY:** MARQUETTE
- **STATE:** MI
- **ZIP:** 49855

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Roberts Financial LLC
- **DATE OF NAME CHANGE:** 20251022

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ERTS Wealth Advisors, LLC
- **DATE OF NAME CHANGE:** 20190211

### 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:** Roberts Financial Services LLC<br>**Address:** 989 WEST WASHINGTON STREET<br>SUITE 101<br>MARQUETTE, MI 49855

**Form 13F File Number:** 028-19212

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:** Bruce Roberts<br>**Title:** Chief Compliance Officer<br>**Phone:** (906) 228-5564

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

Bruce Roberts  Marquette, MI  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:** 30

**Form 13F Information Table Value Total:** $318526154

      (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 |
| APPLE INC | COM | 037833100 |  | 383314 | 1410 | SH |  | SOLE |  | 1410 | 0 | 0 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 |  | 239136 | 2616 | SH |  | SOLE |  | 2616 | 0 | 0 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 240926 | 13886 | SH |  | SOLE |  | 13886 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 600662 | 6014 | SH |  | SOLE |  | 6014 | 0 | 0 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 3235012 | 29358 | SH |  | SOLE |  | 29358 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 1398617 | 16047 | SH |  | SOLE |  | 16047 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 1290106 | 9146 | SH |  | SOLE |  | 9146 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 1209241 | 8830 | SH |  | SOLE |  | 8830 | 0 | 0 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 11704771 | 114148 | SH |  | SOLE |  | 114148 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 17226447 | 102575 | SH |  | SOLE |  | 102575 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 527787 | 4641 | SH |  | SOLE |  | 4641 | 0 | 0 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 892597 | 6323 | SH |  | SOLE |  | 6323 | 0 | 0 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 822664 | 7469 | SH |  | SOLE |  | 7469 | 0 | 0 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 21316219 | 925786 | SH |  | SOLE |  | 925786 | 0 | 0 |
| ISHARES TR | CORE MSCI PAC | 46434V696 |  | 10175432 | 138990 | SH |  | SOLE |  | 138990 | 0 | 0 |
| ISHARES TR | CORE MSCI EURO | 46434V738 |  | 38563288 | 543298 | SH |  | SOLE |  | 543298 | 0 | 0 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 43230442 | 1156049 | SH |  | SOLE |  | 1156049 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 341748 | 318 | SH |  | SOLE |  | 318 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 231292 | 339 | SH |  | SOLE |  | 339 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 11954161 | 126915 | SH |  | SOLE |  | 126915 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 |  | 6687942 | 73518 | SH |  | SOLE |  | 73518 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A375 |  | 30013742 | 887718 | SH |  | SOLE |  | 887718 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 35058878 | 328574 | SH |  | SOLE |  | 328574 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 28204519 | 496471 | SH |  | SOLE |  | 496471 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A664 |  | 13889807 | 524738 | SH |  | SOLE |  | 524738 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 4892363 | 200754 | SH |  | SOLE |  | 200754 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 359776 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 17009475 | 95898 | SH |  | SOLE |  | 95898 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 16503188 | 59122 | SH |  | SOLE |  | 59122 | 0 | 0 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 322602 | 3059 | SH |  | SOLE |  | 3059 | 0 | 0 |

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