# EDGAR Filing Document

**Accession Number:** 0001767513
**File Stem:** 0001767513-25-000003
**Filing Date:** 2025-8
**Character Count:** 15835
**Document Hash:** 7f6ee2db60751ddec59b365d0c5f221b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001767513-25-000003.hdr.sgml**: 20250804

**ACCESSION NUMBER**: 0001767513-25-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250804

**DATE AS OF CHANGE**: 20250801

**EFFECTIVENESS DATE**: 20250804

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Human Investing LLC
- **CENTRAL INDEX KEY:** 0001767513

**ORGANIZATION NAME:**
- **EIN:** 743130983
- **STATE OF INCORPORATION:** OR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19337
- **FILM NUMBER:** 251177493

**BUSINESS ADDRESS:**
- **STREET 1:** 6000 MEADOWS RD
- **STREET 2:** SUITE 105
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97035
- **BUSINESS PHONE:** (503) 905-3100

**MAIL ADDRESS:**
- **STREET 1:** 6000 MEADOWS RD
- **STREET 2:** SUITE 105
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97035

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ANDERSON FISHER LLC
- **DATE OF NAME CHANGE:** 20190208

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Human Investing LLC<br>**Address:** 6000 MEADOWS RD<br>SUITE 105<br>LAKE OSWEGO, OR 97035

**Form 13F File Number:** 028-19337

**CRD Number (if applicable):** 000133017

**SEC File Number (if applicable):** 801-62556

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:** Andrew Gladhill<br>**Title:** Chief Compliance Officer Director of Investments<br>**Phone:** 503-905-3115

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

Andrew Gladhill  Lake Oswego, OR  08-01-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[ ] **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).)

[x] **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:** 1

**Form 13F Information Table Entry Total:** 118

**Form 13F Information Table Value Total:** $634882904

      (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.]

|   No. | Name           | Form 13F File Number   |   CRD Number | SEC File Number   |
|---:|:---|:---|---:|:---|
|     1 | Betterment LLC | 028-16706              |    000149117 | 801-70171         |

### 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 |
| ABBOTT LABS | COM | 002824100 |  | 474526 | 3489 | SH |  | SOLE |  | 0 | 0 | 3489 |
| ABBVIE INC | COM | 00287Y109 |  | 2418805 | 13031 | SH |  | SOLE |  | 0 | 0 | 13031 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 488566 | 1635 | SH |  | SOLE |  | 0 | 0 | 1635 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 243703 | 1374 | SH |  | SOLE |  | 0 | 0 | 1374 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 972065 | 5516 | SH |  | SOLE |  | 0 | 0 | 5516 |
| AMAZON COM INC | COM | 023135106 |  | 831273 | 3789 | SH |  | SOLE |  | 0 | 0 | 3789 |
| AMDOCS LTD | SHS | G02602103 |  | 298082 | 3267 | SH |  | SOLE |  | 0 | 0 | 3267 |
| AMGEN INC | COM | 031162100 |  | 1241612 | 4447 | SH |  | SOLE |  | 0 | 0 | 4447 |
| APPLE INC | COM | 037833100 |  | 3333214 | 16246 | SH |  | SOLE |  | 0 | 0 | 16246 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 1457600 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 837954 | 1725 | SH |  | SOLE |  | 0 | 0 | 1725 |
| BLOCK H  R INC | COM | 093671105 |  | 2039164 | 37150 | SH |  | SOLE |  | 0 | 0 | 37150 |
| BROADCOM INC | COM | 11135F101 |  | 7554436 | 27406 | SH |  | SOLE |  | 0 | 0 | 27406 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 312356 | 1468 | SH |  | SOLE |  | 0 | 0 | 1468 |
| CATERPILLAR INC | COM | 149123101 |  | 252744 | 651 | SH |  | SOLE |  | 0 | 0 | 651 |
| CISCO SYS INC | COM | 17275R102 |  | 270236 | 3895 | SH |  | SOLE |  | 0 | 0 | 3895 |
| ELI LILLY  CO | COM | 532457108 |  | 1812160 | 2325 | SH |  | SOLE |  | 0 | 0 | 2325 |
| EMERSON ELEC CO | COM | 291011104 |  | 277674 | 2083 | SH |  | SOLE |  | 0 | 0 | 2083 |
| EMPLOYERS HLDGS INC | COM | 292218104 |  | 232079 | 4919 | SH |  | SOLE |  | 0 | 0 | 4919 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 268207 | 2419 | SH |  | SOLE |  | 0 | 0 | 2419 |
| GLOBAL X FDS | S 500 CATHOLIC | 37954Y889 |  | 749983 | 9940 | SH |  | SOLE |  | 0 | 0 | 9940 |
| HOME DEPOT INC | COM | 437076102 |  | 1092860 | 2981 | SH |  | SOLE |  | 0 | 0 | 2981 |
| HP INC | COM | 40434L105 |  | 431291 | 17633 | SH |  | SOLE |  | 0 | 0 | 17633 |
| INFOSYS LTD | SPONSORED ADR | 456788108 |  | 394953 | 21314 | SH |  | SOLE |  | 0 | 0 | 21314 |
| INTERDIGITAL INC | COM | 45867G101 |  | 672690 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 454256 | 1541 | SH |  | SOLE |  | 0 | 0 | 1541 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 214588 | 389 | SH |  | SOLE |  | 0 | 0 | 389 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 664382 | 11067 | SH |  | SOLE |  | 0 | 0 | 11067 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 34003 | 564 | SH |  | DFND | 1 | 0 | 0 | 564 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 348968 | 10636 | SH |  | SOLE |  | 0 | 0 | 10636 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1842199 | 29227 | SH |  | DFND | 1 | 0 | 0 | 29227 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 918741 | 8331 | SH |  | DFND | 1 | 0 | 0 | 8331 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1061151 | 7858 | SH |  | SOLE |  | 0 | 0 | 7858 |
| ISHARES TR | CORE S ETF | 464287200 |  | 24407630 | 39310 | SH |  | SOLE |  | 0 | 0 | 39310 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 242544 | 2445 | SH |  | SOLE |  | 0 | 0 | 2445 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 223724 | 2032 | SH |  | SOLE |  | 0 | 0 | 2032 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 204410 | 1046 | SH |  | SOLE |  | 0 | 0 | 1046 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 31252780 | 503915 | SH |  | SOLE |  | 0 | 0 | 503915 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 312580 | 1804 | SH |  | SOLE |  | 0 | 0 | 1804 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 15803404 | 144601 | SH |  | SOLE |  | 0 | 0 | 144601 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1379547 | 12973 | SH |  | SOLE |  | 0 | 0 | 12973 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 631510 | 5390 | SH |  | SOLE |  | 0 | 0 | 5390 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 824019 | 9871 | SH |  | SOLE |  | 0 | 0 | 9871 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 946773 | 14807 | SH |  | SOLE |  | 0 | 0 | 14807 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 916698 | 12055 | SH |  | SOLE |  | 0 | 0 | 12055 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 21791 | 291 | SH |  | DFND | 1 | 0 | 0 | 291 |
| ISHARES TR | INTL DIV GRWTH | 46435G524 |  | 502085 | 6364 | SH |  | SOLE |  | 0 | 0 | 6364 |
| ISHARES TR | INTL DIV GRWTH | 46435G524 |  | 4 | 0 | SH |  | DFND | 1 | 0 | 0 | 0 |
| ISHARES TR | ESG SELECT SCRE | 46436E569 |  | 472263 | 9903 | SH |  | SOLE |  | 0 | 0 | 9903 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 224287 | 3013 | SH |  | SOLE |  | 0 | 0 | 3013 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 510603 | 3343 | SH |  | SOLE |  | 0 | 0 | 3343 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 330208 | 1139 | SH |  | SOLE |  | 0 | 0 | 1139 |
| MCDONALDS CORP | COM | 580135101 |  | 670522 | 2295 | SH |  | SOLE |  | 0 | 0 | 2295 |
| MERCK  CO INC | COM | 58933Y105 |  | 374111 | 4726 | SH |  | SOLE |  | 0 | 0 | 4726 |
| META PLATFORMS INC | CL A | 30303M102 |  | 237868 | 322 | SH |  | SOLE |  | 0 | 0 | 322 |
| MICROSOFT CORP | COM | 594918104 |  | 3798044 | 7636 | SH |  | SOLE |  | 0 | 0 | 7636 |
| MOODYS CORP | COM | 615369105 |  | 231008 | 461 | SH |  | SOLE |  | 0 | 0 | 461 |
| NETFLIX INC | COM | 64110L106 |  | 235687 | 176 | SH |  | SOLE |  | 0 | 0 | 176 |
| NIKE INC | CL B | 654106103 |  | 1719950 | 24211 | SH |  | SOLE |  | 0 | 0 | 24211 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 1416429 | 20522 | SH |  | SOLE |  | 0 | 0 | 20522 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 511360 | 3237 | SH |  | SOLE |  | 0 | 0 | 3237 |
| ORACLE CORP | COM | 68389X105 |  | 393761 | 1801 | SH |  | SOLE |  | 0 | 0 | 1801 |
| PAYCHEX INC | COM | 704326107 |  | 736159 | 5061 | SH |  | SOLE |  | 0 | 0 | 5061 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 488243 | 2681 | SH |  | SOLE |  | 0 | 0 | 2681 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 268072 | 1683 | SH |  | SOLE |  | 0 | 0 | 1683 |
| QUALCOMM INC | COM | 747525103 |  | 686992 | 4314 | SH |  | SOLE |  | 0 | 0 | 4314 |
| RTX CORPORATION | COM | 75513E101 |  | 213774 | 1464 | SH |  | SOLE |  | 0 | 0 | 1464 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 236637 | 9450 | SH |  | DFND | 1 | 0 | 0 | 9450 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 1360251 | 55657 | SH |  | SOLE |  | 0 | 0 | 55657 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 532325 | 25157 | SH |  | SOLE |  | 0 | 0 | 25157 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 482242 | 1582 | SH |  | SOLE |  | 0 | 0 | 1582 |
| SPDR SERIES TRUST | SPDR S 500 ETF | 78468R796 |  | 526051 | 10329 | SH |  | SOLE |  | 0 | 0 | 10329 |
| STARBUCKS CORP | COM | 855244109 |  | 216792 | 2366 | SH |  | SOLE |  | 0 | 0 | 2366 |
| TEXAS INSTRS INC | COM | 882508104 |  | 620452 | 2988 | SH |  | SOLE |  | 0 | 0 | 2988 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 264360 | 652 | SH |  | SOLE |  | 0 | 0 | 652 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 298314 | 682 | SH |  | SOLE |  | 0 | 0 | 682 |
| UNITED RENTALS INC | COM | 911363109 |  | 234308 | 311 | SH |  | SOLE |  | 0 | 0 | 311 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 1566929 | 20379 | SH |  | DFND | 1 | 0 | 0 | 20379 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 2692456 | 34351 | SH |  | DFND | 1 | 0 | 0 | 34351 |
| VANGUARD BD INDEX FDS | LONG TERM BOND | 921937793 |  | 942534 | 13554 | SH |  | SOLE |  | 0 | 0 | 13554 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 16247352 | 210077 | SH |  | SOLE |  | 0 | 0 | 210077 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 29176278 | 370728 | SH |  | SOLE |  | 0 | 0 | 370728 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 4683976 | 63615 | SH |  | SOLE |  | 0 | 0 | 63615 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 24644143 | 497761 | SH |  | SOLE |  | 0 | 0 | 497761 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 2347338 | 47565 | SH |  | DFND | 1 | 0 | 0 | 47565 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 10708620 | 18431 | SH |  | DFND | 1 | 0 | 0 | 18431 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 230143 | 788 | SH |  | DFND | 1 | 0 | 0 | 788 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 165377810 | 291143 | SH |  | SOLE |  | 0 | 0 | 291143 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 4724605 | 53050 | SH |  | SOLE |  | 0 | 0 | 53050 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 464042 | 1658 | SH |  | SOLE |  | 0 | 0 | 1658 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 5355743 | 18772 | SH |  | SOLE |  | 0 | 0 | 18772 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 673012 | 2840 | SH |  | SOLE |  | 0 | 0 | 2840 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 6580647 | 21652 | SH |  | SOLE |  | 0 | 0 | 21652 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 952997 | 19136 | SH |  | DFND | 1 | 0 | 0 | 19136 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 16747174 | 338600 | SH |  | SOLE |  | 0 | 0 | 338600 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1039469 | 21201 | SH |  | SOLE |  | 0 | 0 | 21201 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 14834612 | 252375 | SH |  | SOLE |  | 0 | 0 | 252375 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 1345395 | 22979 | SH |  | DFND | 1 | 0 | 0 | 22979 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 2729989 | 45644 | SH |  | SOLE |  | 0 | 0 | 45644 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 237550 | 4002 | SH |  | DFND | 1 | 0 | 0 | 4002 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1128110 | 5475 | SH |  | DFND | 1 | 0 | 0 | 5475 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 32288888 | 157761 | SH |  | SOLE |  | 0 | 0 | 157761 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 2146746 | 31072 | SH |  | SOLE |  | 0 | 0 | 31072 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3796345 | 67527 | SH |  | DFND | 1 | 0 | 0 | 67527 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 65601991 | 1150710 | SH |  | SOLE |  | 0 | 0 | 1150710 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 1117070 | 8328 | SH |  | DFND | 1 | 0 | 0 | 8328 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 422541 | 5283 | SH |  | DFND | 1 | 0 | 0 | 5283 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 393587 | 4566 | SH |  | DFND | 1 | 0 | 0 | 4566 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 32310670 | 242372 | SH |  | SOLE |  | 0 | 0 | 242372 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 13454536 | 167951 | SH |  | SOLE |  | 0 | 0 | 167951 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 |  | 11863237 | 131638 | SH |  | SOLE |  | 0 | 0 | 131638 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 351796 | 5572 | SH |  | DFND | 1 | 0 | 0 | 5572 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 742591 | 11462 | SH |  | DFND | 1 | 0 | 0 | 11462 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 2353258 | 21022 | SH |  | DFND | 1 | 0 | 0 | 21022 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 3380253 | 53316 | SH |  | SOLE |  | 0 | 0 | 53316 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 4401452 | 67198 | SH |  | SOLE |  | 0 | 0 | 67198 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 14142250 | 128988 | SH |  | SOLE |  | 0 | 0 | 128988 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 227676 | 995 | SH |  | SOLE |  | 0 | 0 | 995 |

---