# EDGAR Filing Document

**Accession Number:** 0001909128
**File Stem:** 0001986152-25-000104
**Filing Date:** 2025-11
**Character Count:** 15576
**Document Hash:** 28ee98fc180e5f79436c8dc87ac02f36
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001986152-25-000104.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0001986152-25-000104

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Obsidian Personal Planning Solutions LLC
- **CENTRAL INDEX KEY:** 0001909128

**ORGANIZATION NAME:**
- **EIN:** 823995554
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22568
- **FILM NUMBER:** 251474706

**BUSINESS ADDRESS:**
- **STREET 1:** 2099 GAITHER RD
- **STREET 2:** STE 110
- **CITY:** ROCKVILLE
- **STATE:** MD
- **ZIP:** 20850
- **BUSINESS PHONE:** 13019904395

**MAIL ADDRESS:**
- **STREET 1:** 2099 GAITHER RD
- **STREET 2:** STE 110
- **CITY:** ROCKVILLE
- **STATE:** MD
- **ZIP:** 20850

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** Obsidian Personal Planning Solutions LLC<br>**Address:** 2099 GAITHER RD<br>STE 110<br>ROCKVILLE, MD 20850

**Form 13F File Number:** 028-22568

**CRD Number (if applicable):** 000168342

**SEC File Number (if applicable):** 801-78523

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:** Lindsay Marie Rider<br>**Title:** Compliance Consultant<br>**Phone:** 7209844071

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

Lindsay Marie Rider  Thornton, CO  11-12-2025<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:** 119

**Form 13F Information Table Value Total:** $288013275

      (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 |
| ABBVIE INC | COM | 00287Y109 |  | 409261 | 1877 | SH |  | SOLE |  | 0 | 0 | 1877 |
| AFLAC INC | COM | 001055102 |  | 261544 | 2440 | SH |  | SOLE |  | 0 | 0 | 2440 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 837245 | 2978 | SH |  | SOLE |  | 0 | 0 | 2978 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 604790 | 2146 | SH |  | SOLE |  | 0 | 0 | 2146 |
| AMAZON COM INC | COM | 023135106 |  | 1536144 | 6290 | SH |  | SOLE |  | 0 | 0 | 6290 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 376963 | 1045 | SH |  | SOLE |  | 0 | 0 | 1045 |
| APPLE INC | COM | 037833100 |  | 4840671 | 17904 | SH |  | SOLE |  | 0 | 0 | 17904 |
| AT INC | COM | 00206R102 |  | 283269 | 11445 | SH |  | SOLE |  | 0 | 0 | 11445 |
| BANK AMERICA CORP | COM | 060505104 |  | 532307 | 9959 | SH |  | SOLE |  | 0 | 0 | 9959 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 317098 | 2938 | SH |  | SOLE |  | 0 | 0 | 2938 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 686941 | 1438 | SH |  | SOLE |  | 0 | 0 | 1438 |
| BLACKROCK INC | COM | 09290D101 |  | 264206 | 244 | SH |  | SOLE |  | 0 | 0 | 244 |
| BLACKSTONE INC | COM | 09260D107 |  | 368800 | 2515 | SH |  | SOLE |  | 0 | 0 | 2515 |
| BROADCOM INC | COM | 11135F101 |  | 482367 | 1305 | SH |  | SOLE |  | 0 | 0 | 1305 |
| CAMTEK LTD | ORD | M20791105 |  | 480174 | 3878 | SH |  | SOLE |  | 0 | 0 | 3878 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 508678 | 11924 | SH |  | SOLE |  | 0 | 0 | 11924 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 10667265 | 237737 | SH |  | SOLE |  | 0 | 0 | 237737 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 280552 | 1275 | SH |  | SOLE |  | 0 | 0 | 1275 |
| CATERPILLAR INC | COM | 149123101 |  | 984228 | 1705 | SH |  | SOLE |  | 0 | 0 | 1705 |
| CENCORA INC | COM | 03073E105 |  | 288490 | 854 | SH |  | SOLE |  | 0 | 0 | 854 |
| CISCO SYS INC | COM | 17275R102 |  | 362260 | 4955 | SH |  | SOLE |  | 0 | 0 | 4955 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 966137 | 1060 | SH |  | SOLE |  | 0 | 0 | 1060 |
| CSX CORP | COM | 126408103 |  | 541056 | 15021 | SH |  | SOLE |  | 0 | 0 | 15021 |
| DANAHER CORPORATION | COM | 235851102 |  | 415932 | 1931 | SH |  | SOLE |  | 0 | 0 | 1931 |
| DEERE  CO | COM | 244199105 |  | 245587 | 532 | SH |  | SOLE |  | 0 | 0 | 532 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 267742 | 2154 | SH |  | SOLE |  | 0 | 0 | 2154 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 416717 | 3644 | SH |  | SOLE |  | 0 | 0 | 3644 |
| FIRST TR EXCHANGE TRADED FD | NASDAQ CYB ETF | 33734X846 |  | 8820621 | 114079 | SH |  | SOLE |  | 0 | 0 | 114079 |
| FIRST TR EXCHNG TRADED FD VI | VEST US EQUITY M | 33740U612 |  | 220633 | 6741 | SH |  | SOLE |  | 0 | 0 | 6741 |
| HOME DEPOT INC | COM | 437076102 |  | 269509 | 710 | SH |  | SOLE |  | 0 | 0 | 710 |
| HONEYWELL INTL INC | COM | 438516106 |  | 413532 | 2054 | SH |  | SOLE |  | 0 | 0 | 2054 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1813104 | 5898 | SH |  | SOLE |  | 0 | 0 | 5898 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 1291604 | 28269 | SH |  | SOLE |  | 0 | 0 | 28269 |
| INVESCO EXCH TRADED FD TR II | S MIDCP LOW | 46138E198 |  | 7919117 | 128079 | SH |  | SOLE |  | 0 | 0 | 128079 |
| INVESCO EXCHANGE TRADED FD T | S EQL MAT | 46137V316 |  | 1920843 | 60537 | SH |  | SOLE |  | 0 | 0 | 60537 |
| ISHARES TR | CORE S ETF | 464287200 |  | 519404 | 758 | SH |  | SOLE |  | 0 | 0 | 758 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 16776726 | 142417 | SH |  | SOLE |  | 0 | 0 | 142417 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 212542 | 2114 | SH |  | SOLE |  | 0 | 0 | 2114 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 10889952 | 94155 | SH |  | SOLE |  | 0 | 0 | 94155 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 204231 | 1365 | SH |  | SOLE |  | 0 | 0 | 1365 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 254969 | 3382 | SH |  | SOLE |  | 0 | 0 | 3382 |
| ISHARES TR | IBONDS 27 TRM TS | 46436E841 |  | 26534402 | 1178521 | SH |  | SOLE |  | 0 | 0 | 1178521 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 288716 | 3015 | SH |  | SOLE |  | 0 | 0 | 3015 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 209398 | 1678 | SH |  | SOLE |  | 0 | 0 | 1678 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 7908157 | 154849 | SH |  | SOLE |  | 0 | 0 | 154849 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 233017 | 2168 | SH |  | SOLE |  | 0 | 0 | 2168 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 380006 | 1761 | SH |  | SOLE |  | 0 | 0 | 1761 |
| ISHARES U S ETF TR | SHORT MATURITY M | 46431W838 |  | 3451782 | 68447 | SH |  | SOLE |  | 0 | 0 | 68447 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 525625 | 2783 | SH |  | SOLE |  | 0 | 0 | 2783 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 801134 | 2575 | SH |  | SOLE |  | 0 | 0 | 2575 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 13864936 | 298749 | SH |  | SOLE |  | 0 | 0 | 298749 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 3855934 | 76129 | SH |  | SOLE |  | 0 | 0 | 76129 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 426874 | 2711 | SH |  | SOLE |  | 0 | 0 | 2711 |
| LYFT INC | CL A COM | 55087P104 |  | 258185 | 12619 | SH |  | SOLE |  | 0 | 0 | 12619 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 556338 | 2135 | SH |  | SOLE |  | 0 | 0 | 2135 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 367509 | 666 | SH |  | SOLE |  | 0 | 0 | 666 |
| MCDONALDS CORP | COM | 580135101 |  | 473351 | 1586 | SH |  | SOLE |  | 0 | 0 | 1586 |
| MCKESSON CORP | COM | 58155Q103 |  | 345631 | 426 | SH |  | SOLE |  | 0 | 0 | 426 |
| MERCK  CO INC | COM | 58933Y105 |  | 233694 | 2718 | SH |  | SOLE |  | 0 | 0 | 2718 |
| META PLATFORMS INC | CL A | 30303M102 |  | 730164 | 1126 | SH |  | SOLE |  | 0 | 0 | 1126 |
| MICROSOFT CORP | COM | 594918104 |  | 2997596 | 5789 | SH |  | SOLE |  | 0 | 0 | 5789 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 318112 | 1571 | SH |  | SOLE |  | 0 | 0 | 1571 |
| PEPSICO INC | COM | 713448108 |  | 805851 | 5516 | SH |  | SOLE |  | 0 | 0 | 5516 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 310729 | 3086 | SH |  | SOLE |  | 0 | 0 | 3086 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 309161 | 2056 | SH |  | SOLE |  | 0 | 0 | 2056 |
| RTX CORPORATION | COM | 75513E101 |  | 782722 | 4385 | SH |  | SOLE |  | 0 | 0 | 4385 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 12270818 | 458722 | SH |  | SOLE |  | 0 | 0 | 458722 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 296669 | 2584 | SH |  | SOLE |  | 0 | 0 | 2584 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 4560819 | 51751 | SH |  | SOLE |  | 0 | 0 | 51751 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 3201531 | 61133 | SH |  | SOLE |  | 0 | 0 | 61133 |
| SELECT SECTOR SPDR TR | SBI MATERIALS | 81369Y100 |  | 3697408 | 43159 | SH |  | SOLE |  | 0 | 0 | 43159 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 787254 | 2618 | SH |  | SOLE |  | 0 | 0 | 2618 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 291802 | 3275 | SH |  | SOLE |  | 0 | 0 | 3275 |
| SPINNAKER ETF SERIES | SELECT STOXX EUR | 84858T772 |  | 232180 | 5234 | SH |  | SOLE |  | 0 | 0 | 5234 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 217657 | 631 | SH |  | SOLE |  | 0 | 0 | 631 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 206893 | 1190 | SH |  | SOLE |  | 0 | 0 | 1190 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 244800 | 665 | SH |  | SOLE |  | 0 | 0 | 665 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 12130250 | 278664 | SH |  | SOLE |  | 0 | 0 | 278664 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 6395192 | 134409 | SH |  | SOLE |  | 0 | 0 | 134409 |
| SPDR SERIES TRUST | S 400 MDCP GRW | 78464A821 |  | 6977930 | 76012 | SH |  | SOLE |  | 0 | 0 | 76012 |
| SPDR SERIES TRUST | AEROSPACE DEF | 78464A631 |  | 10306630 | 41467 | SH |  | SOLE |  | 0 | 0 | 41467 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 |  | 22627445 | 667870 | SH |  | SOLE |  | 0 | 0 | 667870 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 11057736 | 102330 | SH |  | SOLE |  | 0 | 0 | 102330 |
| T-MOBILE US INC | COM | 872590104 |  | 225174 | 1072 | SH |  | SOLE |  | 0 | 0 | 1072 |
| TEXAS INSTRS INC | COM | 882508104 |  | 450473 | 2790 | SH |  | SOLE |  | 0 | 0 | 2790 |
| TJX COS INC NEW | COM | 872540109 |  | 243003 | 1734 | SH |  | SOLE |  | 0 | 0 | 1734 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 243100 | 5447 | SH |  | SOLE |  | 0 | 0 | 5447 |
| UNION PAC CORP | COM | 907818108 |  | 439923 | 1996 | SH |  | SOLE |  | 0 | 0 | 1996 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 254340 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 2955744 | 5925 | SH |  | SOLE |  | 0 | 0 | 5925 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 15561782 | 83774 | SH |  | SOLE |  | 0 | 0 | 83774 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 960584 | 17475 | SH |  | SOLE |  | 0 | 0 | 17475 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1875129 | 30750 | SH |  | SOLE |  | 0 | 0 | 30750 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 4797502 | 17744 | SH |  | SOLE |  | 0 | 0 | 17744 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 587484 | 4179 | SH |  | SOLE |  | 0 | 0 | 4179 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1512307 | 2412 | SH |  | SOLE |  | 0 | 0 | 2412 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 254620 | 321 | SH |  | SOLE |  | 0 | 0 | 321 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 342401 | 1177 | SH |  | SOLE |  | 0 | 0 | 1177 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 436099 | 1494 | SH |  | SOLE |  | 0 | 0 | 1494 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 234224 | 1359 | SH |  | SOLE |  | 0 | 0 | 1359 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 9058489 | 192080 | SH |  | SOLE |  | 0 | 0 | 192080 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 276873 | 615 | SH |  | SOLE |  | 0 | 0 | 615 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 237103 | 1175 | SH |  | SOLE |  | 0 | 0 | 1175 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 205612 | 2604 | SH |  | SOLE |  | 0 | 0 | 2604 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 227795 | 2851 | SH |  | SOLE |  | 0 | 0 | 2851 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 419969 | 1647 | SH |  | SOLE |  | 0 | 0 | 1647 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 264236 | 870 | SH |  | SOLE |  | 0 | 0 | 870 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 356368 | 1726 | SH |  | SOLE |  | 0 | 0 | 1726 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 402703 | 5396 | SH |  | SOLE |  | 0 | 0 | 5396 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 203301 | 5116 | SH |  | SOLE |  | 0 | 0 | 5116 |
| VISA INC | COM CL A | 92826C839 |  | 621169 | 1823 | SH |  | SOLE |  | 0 | 0 | 1823 |
| WALMART INC | COM | 931142103 |  | 233422 | 2307 | SH |  | SOLE |  | 0 | 0 | 2307 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 287869 | 1441 | SH |  | SOLE |  | 0 | 0 | 1441 |
| WISDOMTREE TR | YIELD ENHANCD US | 97717X511 |  | 237415 | 5364 | SH |  | SOLE |  | 0 | 0 | 5364 |
| WISDOMTREE TR | DYNAMIC INTL EQT | 97717X263 |  | 220216 | 5252 | SH |  | SOLE |  | 0 | 0 | 5252 |
| WISDOMTREE TR | EUROPE HEDGED EQ | 97717X701 |  | 216140 | 4175 | SH |  | SOLE |  | 0 | 0 | 4175 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 376138 | 4222 | SH |  | SOLE |  | 0 | 0 | 4222 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 332427 | 3978 | SH |  | SOLE |  | 0 | 0 | 3978 |
| YUM BRANDS INC | COM | 988498101 |  | 236892 | 1714 | SH |  | SOLE |  | 0 | 0 | 1714 |

---