# EDGAR Filing Document

**Accession Number:** 0001989379
**File Stem:** 0001754960-26-000075
**Filing Date:** 2026-1
**Character Count:** 15127
**Document Hash:** 22bc08b5dbac5683e2620a1fd697b453
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-26-000075.hdr.sgml**: 20260115

**ACCESSION NUMBER**: 0001754960-26-000075

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260115

**DATE AS OF CHANGE**: 20260115

**EFFECTIVENESS DATE**: 20260115

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFA Wealth Services
- **CENTRAL INDEX KEY:** 0001989379

**ORGANIZATION NAME:**
- **EIN:** 900043826
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24573
- **FILM NUMBER:** 26535896

**BUSINESS ADDRESS:**
- **STREET 1:** 100 E THOUSAND OAKS BLVD
- **STREET 2:** SUITE 258
- **CITY:** THOUSAND OAKS
- **STATE:** CA
- **ZIP:** 91360
- **BUSINESS PHONE:** 8054965474

**MAIL ADDRESS:**
- **STREET 1:** 100 E THOUSAND OAKS BLVD
- **STREET 2:** SUITE 258
- **CITY:** THOUSAND OAKS
- **STATE:** CA
- **ZIP:** 91360

### 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:** MFA Wealth Services<br>**Address:** 100 E THOUSAND OAKS BLVD<br>SUITE 258<br>THOUSAND OAKS, CA 91360

**Form 13F File Number:** 028-24573

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:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

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

Aryn Sands  Reno, NV  01-15-2026<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:** 117

**Form 13F Information Table Value Total:** $148001021

      (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 |
| EATON CORP PLC | SHS | G29183103 |  | 613118 | 1925 | SH |  | SOLE |  | 0 | 0 | 1925 |
| JOHNSON CTLS INTL PLC | SHS | G51502105 |  | 307050 | 2564 | SH |  | SOLE |  | 0 | 0 | 2564 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 216049 | 2249 | SH |  | SOLE |  | 0 | 0 | 2249 |
| CHUBB LIMITED | COM | H1467J104 |  | 516046 | 1653 | SH |  | SOLE |  | 0 | 0 | 1653 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 665976 | 622 | SH |  | SOLE |  | 0 | 0 | 622 |
| AFLAC INC | COM | 001055102 |  | 202024 | 1832 | SH |  | SOLE |  | 0 | 0 | 1832 |
| ABBVIE INC | COM | 00287Y109 |  | 662685 | 2900 | SH |  | SOLE |  | 0 | 0 | 2900 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 407948 | 2783 | SH |  | SOLE |  | 0 | 0 | 2783 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1161666 | 3702 | SH |  | SOLE |  | 0 | 0 | 3702 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 933971 | 2984 | SH |  | SOLE |  | 0 | 0 | 2984 |
| AMAZON COM INC | COM | 023135106 |  | 1315551 | 5699 | SH |  | SOLE |  | 0 | 0 | 5699 |
| AMERICAN CENTY ETF TR | US QUALITY GROW | 025072307 |  | 9454064 | 82554 | SH |  | SOLE |  | 0 | 0 | 82554 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 1058917 | 2862 | SH |  | SOLE |  | 0 | 0 | 2862 |
| AMGEN INC | COM | 031162100 |  | 2162044 | 6605 | SH |  | SOLE |  | 0 | 0 | 6605 |
| APPLE INC | COM | 037833100 |  | 2945169 | 10833 | SH |  | SOLE |  | 0 | 0 | 10833 |
| BANK AMERICA CORP | COM | 060505104 |  | 310916 | 5653 | SH |  | SOLE |  | 0 | 0 | 5653 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 640141 | 5514 | SH |  | SOLE |  | 0 | 0 | 5514 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 989758 | 1969 | SH |  | SOLE |  | 0 | 0 | 1969 |
| BLACKSTONE INC | COM | 09260D107 |  | 617983 | 4009 | SH |  | SOLE |  | 0 | 0 | 4009 |
| BLACKROCK INC | COM | 09290D101 |  | 662577 | 619 | SH |  | SOLE |  | 0 | 0 | 619 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 443149 | 8216 | SH |  | SOLE |  | 0 | 0 | 8216 |
| BROADCOM INC | COM | 11135F101 |  | 1431220 | 4135 | SH |  | SOLE |  | 0 | 0 | 4135 |
| CME GROUP INC | COM | 12572Q105 |  | 247349 | 906 | SH |  | SOLE |  | 0 | 0 | 906 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 278475 | 6381 | SH |  | SOLE |  | 0 | 0 | 6381 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 324864 | 9376 | SH |  | SOLE |  | 0 | 0 | 9376 |
| CAPITAL GRP FIXED INCM ETF T | US MULTI-SECTOR | 14020Y300 |  | 2083663 | 75440 | SH |  | SOLE |  | 0 | 0 | 75440 |
| CAPITAL GROUP DIVIDEND GROWE | SHS ETF | 14021L109 |  | 1425986 | 40011 | SH |  | SOLE |  | 0 | 0 | 40011 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 424157 | 2064 | SH |  | SOLE |  | 0 | 0 | 2064 |
| CATERPILLAR INC | COM | 149123101 |  | 767975 | 1341 | SH |  | SOLE |  | 0 | 0 | 1341 |
| CHEVRON CORP NEW | COM | 166764100 |  | 280821 | 1843 | SH |  | SOLE |  | 0 | 0 | 1843 |
| CISCO SYS INC | COM | 17275R102 |  | 1079137 | 14009 | SH |  | SOLE |  | 0 | 0 | 14009 |
| CITIGROUP INC | COM NEW | 172967424 |  | 658970 | 5647 | SH |  | SOLE |  | 0 | 0 | 5647 |
| COCA COLA CO | COM | 191216100 |  | 389517 | 5572 | SH |  | SOLE |  | 0 | 0 | 5572 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 299770 | 849 | SH |  | SOLE |  | 0 | 0 | 849 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 837428 | 971 | SH |  | SOLE |  | 0 | 0 | 971 |
| ENTERGY CORP NEW | COM | 29364G103 |  | 364685 | 3946 | SH |  | SOLE |  | 0 | 0 | 3946 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 617664 | 5133 | SH |  | SOLE |  | 0 | 0 | 5133 |
| FS CREDIT OPPORTUNITIES CORP | COMMON STOCK | 30290Y101 |  | 160712 | 25510 | SH |  | SOLE |  | 0 | 0 | 25510 |
| META PLATFORMS INC | CL A | 30303M102 |  | 629292 | 953 | SH |  | SOLE |  | 0 | 0 | 953 |
| FIDELITY COVINGTON TRUST | ENHANCED EMRNGS | 31609A800 |  | 1180296 | 36272 | SH |  | SOLE |  | 0 | 0 | 36272 |
| FIDELITY COVINGTON TRUST | DISRUPTORS ETF | 316092121 |  | 418630 | 11691 | SH |  | SOLE |  | 0 | 0 | 11691 |
| FIDELITY COVINGTON TRUST | FUNDAMENTAL SMAL | 316092295 |  | 2206790 | 71906 | SH |  | SOLE |  | 0 | 0 | 71906 |
| FIDELITY COVINGTON TRUST | DIVID ETF RISI | 316092832 |  | 230470 | 3777 | SH |  | SOLE |  | 0 | 0 | 3777 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 269788 | 801 | SH |  | SOLE |  | 0 | 0 | 801 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 640805 | 729 | SH |  | SOLE |  | 0 | 0 | 729 |
| HOME DEPOT INC | COM | 437076102 |  | 705408 | 2050 | SH |  | SOLE |  | 0 | 0 | 2050 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 631304 | 2131 | SH |  | SOLE |  | 0 | 0 | 2131 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1893452 | 3082 | SH |  | SOLE |  | 0 | 0 | 3082 |
| INTUIT | COM | 461202103 |  | 303447 | 458 | SH |  | SOLE |  | 0 | 0 | 458 |
| INVESCO EXCHANGE TRADED FD T | S EQL UTL | 46137V274 |  | 1399016 | 18708 | SH |  | SOLE |  | 0 | 0 | 18708 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 1508304 | 10893 | SH |  | SOLE |  | 0 | 0 | 10893 |
| ISHARES TR | CORE S ETF | 464287200 |  | 15015489 | 21922 | SH |  | SOLE |  | 0 | 0 | 21922 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1239332 | 12408 | SH |  | SOLE |  | 0 | 0 | 12408 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 464371 | 8488 | SH |  | SOLE |  | 0 | 0 | 8488 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 3055815 | 24792 | SH |  | SOLE |  | 0 | 0 | 24792 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 3267113 | 33976 | SH |  | SOLE |  | 0 | 0 | 33976 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 4672972 | 56423 | SH |  | SOLE |  | 0 | 0 | 56423 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 798657 | 8317 | SH |  | SOLE |  | 0 | 0 | 8317 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1871138 | 28351 | SH |  | SOLE |  | 0 | 0 | 28351 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 2445328 | 23848 | SH |  | SOLE |  | 0 | 0 | 23848 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1009774 | 8402 | SH |  | SOLE |  | 0 | 0 | 8402 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 295962 | 3817 | SH |  | SOLE |  | 0 | 0 | 3817 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 269903 | 6842 | SH |  | SOLE |  | 0 | 0 | 6842 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 6107923 | 51177 | SH |  | SOLE |  | 0 | 0 | 51177 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 404608 | 3673 | SH |  | SOLE |  | 0 | 0 | 3673 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1101202 | 5544 | SH |  | SOLE |  | 0 | 0 | 5544 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1206280 | 13484 | SH |  | SOLE |  | 0 | 0 | 13484 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 5903880 | 129898 | SH |  | SOLE |  | 0 | 0 | 129898 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 2786227 | 40136 | SH |  | SOLE |  | 0 | 0 | 40136 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 1262135 | 25013 | SH |  | SOLE |  | 0 | 0 | 25013 |
| ISHARES TR | MSCI USA SMCP MN | 46435G433 |  | 826794 | 19081 | SH |  | SOLE |  | 0 | 0 | 19081 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1198289 | 3719 | SH |  | SOLE |  | 0 | 0 | 3719 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 706405 | 3413 | SH |  | SOLE |  | 0 | 0 | 3413 |
| ELI LILLY  CO | COM | 532457108 |  | 1572794 | 1464 | SH |  | SOLE |  | 0 | 0 | 1464 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 292654 | 605 | SH |  | SOLE |  | 0 | 0 | 605 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 372246 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| MCDONALDS CORP | COM | 580135101 |  | 680812 | 2228 | SH |  | SOLE |  | 0 | 0 | 2228 |
| MERCK  CO INC | COM | 58933Y105 |  | 655400 | 6226 | SH |  | SOLE |  | 0 | 0 | 6226 |
| MICROSOFT CORP | COM | 594918104 |  | 2494157 | 5157 | SH |  | SOLE |  | 0 | 0 | 5157 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 387710 | 680 | SH |  | SOLE |  | 0 | 0 | 680 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 200694 | 1456 | SH |  | SOLE |  | 0 | 0 | 1456 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1260568 | 6759 | SH |  | SOLE |  | 0 | 0 | 6759 |
| NUVEEN MUN HIGH INCOME OPPOR | COM | 670682103 |  | 1107187 | 108654 | SH |  | SOLE |  | 0 | 0 | 108654 |
| ORACLE CORP | COM | 68389X105 |  | 814615 | 4179 | SH |  | SOLE |  | 0 | 0 | 4179 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 706501 | 11742 | SH |  | SOLE |  | 0 | 0 | 11742 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 201229 | 1092 | SH |  | SOLE |  | 0 | 0 | 1092 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 |  | 1116621 | 11996 | SH |  | SOLE |  | 0 | 0 | 11996 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 444572 | 4431 | SH |  | SOLE |  | 0 | 0 | 4431 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 574791 | 4011 | SH |  | SOLE |  | 0 | 0 | 4011 |
| QUALCOMM INC | COM | 747525103 |  | 504467 | 2949 | SH |  | SOLE |  | 0 | 0 | 2949 |
| RTX CORPORATION | COM | 75513E101 |  | 354543 | 1933 | SH |  | SOLE |  | 0 | 0 | 1933 |
| REALTY INCOME CORP | COM | 756109104 |  | 525174 | 9317 | SH |  | SOLE |  | 0 | 0 | 9317 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1591726 | 4016 | SH |  | SOLE |  | 0 | 0 | 4016 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 233584 | 2189 | SH |  | SOLE |  | 0 | 0 | 2189 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 208468 | 2599 | SH |  | SOLE |  | 0 | 0 | 2599 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 1665352 | 35539 | SH |  | SOLE |  | 0 | 0 | 35539 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 6254747 | 228026 | SH |  | SOLE |  | 0 | 0 | 228026 |
| SNAP ON INC | COM | 833034101 |  | 346688 | 1006 | SH |  | SOLE |  | 0 | 0 | 1006 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 1199476 | 3947 | SH |  | SOLE |  | 0 | 0 | 3947 |
| TESLA INC | COM | 88160R101 |  | 234303 | 521 | SH |  | SOLE |  | 0 | 0 | 521 |
| TEXAS INSTRS INC | COM | 882508104 |  | 282247 | 1627 | SH |  | SOLE |  | 0 | 0 | 1627 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 368358 | 3910 | SH |  | SOLE |  | 0 | 0 | 3910 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 321984 | 1110 | SH |  | SOLE |  | 0 | 0 | 1110 |
| UNION PAC CORP | COM | 907818108 |  | 757311 | 3274 | SH |  | SOLE |  | 0 | 0 | 3274 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 510028 | 5946 | SH |  | SOLE |  | 0 | 0 | 5946 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1375222 | 6257 | SH |  | SOLE |  | 0 | 0 | 6257 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1110242 | 22447 | SH |  | SOLE |  | 0 | 0 | 22447 |
| VANGUARD CALIF TAX FREE FDS | TAX EXEMPT BD FD | 922021605 |  | 241814 | 2412 | SH |  | SOLE |  | 0 | 0 | 2412 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 332670 | 4522 | SH |  | SOLE |  | 0 | 0 | 4522 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1426422 | 17891 | SH |  | SOLE |  | 0 | 0 | 17891 |
| VANGUARD MUN BD FDS | SHORT TAX EXEMPT | 922907696 |  | 1123589 | 14697 | SH |  | SOLE |  | 0 | 0 | 14697 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 444631 | 709 | SH |  | SOLE |  | 0 | 0 | 709 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 3736840 | 42229 | SH |  | SOLE |  | 0 | 0 | 42229 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1881945 | 5613 | SH |  | SOLE |  | 0 | 0 | 5613 |
| VISA INC | COM CL A | 92826C839 |  | 583155 | 1663 | SH |  | SOLE |  | 0 | 0 | 1663 |
| WALMART INC | COM | 931142103 |  | 1206487 | 10829 | SH |  | SOLE |  | 0 | 0 | 10829 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 411203 | 1872 | SH |  | SOLE |  | 0 | 0 | 1872 |

---