# EDGAR Filing Document

**Accession Number:** 0001977044
**File Stem:** 0001977044-25-000003
**Filing Date:** 2025-8
**Character Count:** 8840
**Document Hash:** 461f7046dcb5bd307603e5f63fd85542
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001977044-25-000003.hdr.sgml**: 20250801

**ACCESSION NUMBER**: 0001977044-25-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250801

**DATE AS OF CHANGE**: 20250801

**EFFECTIVENESS DATE**: 20250801

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PCA Investment Advisory Services Inc.
- **CENTRAL INDEX KEY:** 0001977044

**ORGANIZATION NAME:**
- **EIN:** 593766965
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23273
- **FILM NUMBER:** 251175423

**BUSINESS ADDRESS:**
- **STREET 1:** 2133 LURAY AVENUE
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45206
- **BUSINESS PHONE:** 5132813366

**MAIL ADDRESS:**
- **STREET 1:** 2133 LURAY AVENUE
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45206

### 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:** PCA Investment Advisory Services Inc.<br>**Address:** 2133 LURAY AVENUE<br>CINCINNATI, OH 45206

**Form 13F File Number:** 028-23273

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:** Melissa C. Anderson<br>**Title:** Compliance Consultant<br>**Phone:** 513-693-4875

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

Melissa C. Anderson  Cincinnati, OH  08-01-2025<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:** 50

**Form 13F Information Table Value Total:** $237349153

      (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 |
| ISHARES TR | CORE S ETF | 464287200 |  | 37080928 | 59721 | SH |  | SOLE |  | 0 | 0 | 59721 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 24320526 | 257007 | SH |  | SOLE |  | 0 | 0 | 257007 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 15278870 | 239819 | SH |  | SOLE |  | 0 | 0 | 239819 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 13981448 | 92962 | SH |  | SOLE |  | 0 | 0 | 92962 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 13953225 | 78948 | SH |  | SOLE |  | 0 | 0 | 78948 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 13085721 | 29849 | SH |  | SOLE |  | 0 | 0 | 29849 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 11928903 | 260741 | SH |  | SOLE |  | 0 | 0 | 260741 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 9752282 | 157244 | SH |  | SOLE |  | 0 | 0 | 157244 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 7753566 | 204256 | SH |  | SOLE |  | 0 | 0 | 204256 |
| MICROSOFT CORP | COM | 594918104 |  | 6964910 | 14002 | SH |  | SOLE |  | 0 | 0 | 14002 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 6835013 | 236097 | SH |  | SOLE |  | 0 | 0 | 236097 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 5849266 | 220727 | SH |  | SOLE |  | 0 | 0 | 220727 |
| APPLE INC | COM | 037833100 |  | 5800043 | 28269 | SH |  | SOLE |  | 0 | 0 | 28269 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 4597058 | 28854 | SH |  | SOLE |  | 0 | 0 | 28854 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3660821 | 23171 | SH |  | SOLE |  | 0 | 0 | 23171 |
| AMAZON COM INC | COM | 023135106 |  | 3393744 | 15469 | SH |  | SOLE |  | 0 | 0 | 15469 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3373110 | 11098 | SH |  | SOLE |  | 0 | 0 | 11098 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 3329108 | 30461 | SH |  | SOLE |  | 0 | 0 | 30461 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 3217140 | 13576 | SH |  | SOLE |  | 0 | 0 | 13576 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 3183709 | 11159 | SH |  | SOLE |  | 0 | 0 | 11159 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 3116030 | 111088 | SH |  | SOLE |  | 0 | 0 | 111088 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2980228 | 10650 | SH |  | SOLE |  | 0 | 0 | 10650 |
| FIRST TR EXCHANGE TRADED FD | RISNG DIVD ACHIV | 33738R506 |  | 2957754 | 47143 | SH |  | SOLE |  | 0 | 0 | 47143 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2727056 | 15474 | SH |  | SOLE |  | 0 | 0 | 15474 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2166316 | 12212 | SH |  | SOLE |  | 0 | 0 | 12212 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 2156723 | 42497 | SH |  | SOLE |  | 0 | 0 | 42497 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1907261 | 20318 | SH |  | SOLE |  | 0 | 0 | 20318 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1863632 | 32690 | SH |  | SOLE |  | 0 | 0 | 32690 |
| INNOVATOR ETFS TRUST | US EQTY BUFR FEB | 45782C433 |  | 1670490 | 37413 | SH |  | SOLE |  | 0 | 0 | 37413 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 1636184 | 52746 | SH |  | SOLE |  | 0 | 0 | 52746 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 1628427 | 10935 | SH |  | SOLE |  | 0 | 0 | 10935 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 1417170 | 17664 | SH |  | SOLE |  | 0 | 0 | 17664 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 1267509 | 15079 | SH |  | SOLE |  | 0 | 0 | 15079 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C417 |  | 1193742 | 31406 | SH |  | SOLE |  | 0 | 0 | 31406 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 1062771 | 13988 | SH |  | SOLE |  | 0 | 0 | 13988 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 979368 | 12316 | SH |  | SOLE |  | 0 | 0 | 12316 |
| DBX ETF TR | XTRACK MSCI EAFE | 233051200 |  | 894629 | 20449 | SH |  | SOLE |  | 0 | 0 | 20449 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 863767 | 11883 | SH |  | SOLE |  | 0 | 0 | 11883 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 830661 | 12991 | SH |  | SOLE |  | 0 | 0 | 12991 |
| INNOVATOR ETFS TRUST | US EQTY BUF DEC | 45782C557 |  | 806422 | 17857 | SH |  | SOLE |  | 0 | 0 | 17857 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 740669 | 18507 | SH |  | SOLE |  | 0 | 0 | 18507 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 719855 | 11992 | SH |  | SOLE |  | 0 | 0 | 11992 |
| FIFTH THIRD BANCORP | COM | 316773100 |  | 666913 | 16215 | SH |  | SOLE |  | 0 | 0 | 16215 |
| COLUMBIA ETF TR I | RESH ENHNC COR | 19761L706 |  | 642518 | 17464 | SH |  | SOLE |  | 0 | 0 | 17464 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 618102 | 10106 | SH |  | SOLE |  | 0 | 0 | 10106 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 567121 | 16405 | SH |  | SOLE |  | 0 | 0 | 16405 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 541414 | 12709 | SH |  | SOLE |  | 0 | 0 | 12709 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JAN | 45782C409 |  | 512843 | 10211 | SH |  | SOLE |  | 0 | 0 | 10211 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 336917109 |  | 468375 | 11186 | SH |  | SOLE |  | 0 | 0 | 11186 |
| INNOVATOR ETFS TRUST | DEFINED WLT SHLD | 45783Y855 |  | 405812 | 12650 | SH |  | SOLE |  | 0 | 0 | 12650 |

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