# EDGAR Filing Document

**Accession Number:** 0001759236
**File Stem:** 0001754960-23-000067
**Filing Date:** 2023-2
**Character Count:** 14698
**Document Hash:** 8259cc84d439500ce24659c53e2bd763
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-23-000067.hdr.sgml**: 20230206

**ACCESSION NUMBER**: 0001754960-23-000067

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230206

**DATE AS OF CHANGE**: 20230206

**EFFECTIVENESS DATE**: 20230206

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Black Diamond Financial, LLC
- **CENTRAL INDEX KEY:** 0001759236
- **IRS NUMBER:** 260803520
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19171
- **FILM NUMBER:** 23589649

**BUSINESS ADDRESS:**
- **STREET 1:** 305 W PENNSYLVANIA AVE
- **CITY:** TOWSON
- **STATE:** MD
- **ZIP:** 21204-4413
- **BUSINESS PHONE:** 8043344059

**MAIL ADDRESS:**
- **STREET 1:** 305 W PENNSYLVANIA AVE
- **CITY:** TOWSON
- **STATE:** MD
- **ZIP:** 21204-4413

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** Black Diamond Financial LLC<br>**Address:** 305 W PENNSYLVANIA AVE<br>TOWSON, MD 21204-4413

**Form 13F File Number:** 028-19171

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  02-06-2023<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:** 111

**Form 13F Information Table Value Total:** $276623578

      (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 |
| ARCH CAP GROUP LTD | ORD | G0450A105 |  | 319236 | 5085 | SH |  | SOLE |  | 0 | 0 | 5085 |
| ABBVIE INC | COM | 00287Y109 |  | 210739 | 1304 | SH |  | SOLE |  | 0 | 0 | 1304 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 623368 | 7025 | SH |  | SOLE |  | 0 | 0 | 7025 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 322922 | 3660 | SH |  | SOLE |  | 0 | 0 | 3660 |
| AMAZON COM INC | COM | 023135106 |  | 608244 | 7241 | SH |  | SOLE |  | 0 | 0 | 7241 |
| APPLE INC | COM | 037833100 |  | 3286768 | 25296 | SH |  | SOLE |  | 0 | 0 | 25296 |
| BANK AMERICA CORP | COM | 060505104 |  | 706052 | 21318 | SH |  | SOLE |  | 0 | 0 | 21318 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 308720 | 1214 | SH |  | SOLE |  | 0 | 0 | 1214 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1167333 | 3779 | SH |  | SOLE |  | 0 | 0 | 3779 |
| CSX CORP | COM | 126408103 |  | 385174 | 12433 | SH |  | SOLE |  | 0 | 0 | 12433 |
| CEL-SCI CORP | COM PAR NEW | 150837607 |  | 61100 | 26000 | SH |  | SOLE |  | 0 | 0 | 26000 |
| CONCERT PHARMACEUTICALS INC | COM | 206022105 |  | 414640 | 71000 | SH |  | SOLE |  | 0 | 0 | 71000 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 396135 | 4595 | SH |  | SOLE |  | 0 | 0 | 4595 |
| CUSTOM TRUCK ONE SOURCE INC | COM CL A | 23204X103 |  | 800965 | 126735 | SH |  | SOLE |  | 0 | 0 | 126735 |
| CUSTOM TRUCK ONE SOURCE INC | *W EXP 01/01/202 | 23204X111 |  | 132907 | 340787 | SH |  | SOLE |  | 0 | 0 | 340787 |
| DEERE  CO | COM | 244199105 |  | 222955 | 520 | SH |  | SOLE |  | 0 | 0 | 520 |
| DOCGO INC | COM | 256086109 |  | 272845 | 38592 | SH |  | SOLE |  | 0 | 0 | 38592 |
| DOMA HOLDINGS INC | *W EXP 07/28/202 | 25703A112 |  | 321 | 18752 | SH |  | SOLE |  | 0 | 0 | 18752 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 265638 | 4332 | SH |  | SOLE |  | 0 | 0 | 4332 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 229668 | 2230 | SH |  | SOLE |  | 0 | 0 | 2230 |
| EVERGY INC | COM | 30034W106 |  | 297596 | 4729 | SH |  | SOLE |  | 0 | 0 | 4729 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 255209 | 3044 | SH |  | SOLE |  | 0 | 0 | 3044 |
| EXELON CORP | COM | 30161N101 |  | 596055 | 13788 | SH |  | SOLE |  | 0 | 0 | 13788 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 362005 | 3282 | SH |  | SOLE |  | 0 | 0 | 3282 |
| FIDELITY COVINGTON TRUST | MSCI RL EST ETF | 316092857 |  | 6285453 | 253344 | SH |  | SOLE |  | 0 | 0 | 253344 |
| HASHICORP INC | COM CL A | 418100103 |  | 346562 | 12676 | SH |  | SOLE |  | 0 | 0 | 12676 |
| HONEYWELL INTL INC | COM | 438516106 |  | 324022 | 1512 | SH |  | SOLE |  | 0 | 0 | 1512 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1161006 | 4360 | SH |  | SOLE |  | 0 | 0 | 4360 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 575876 | 4077 | SH |  | SOLE |  | 0 | 0 | 4077 |
| INVESCO CURRENCYSHARES EURO | EURO SHS | 46138K103 |  | 206492 | 2090 | SH |  | SOLE |  | 0 | 0 | 2090 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 417294 | 12064 | SH |  | SOLE |  | 0 | 0 | 12064 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 286962 | 2696 | SH |  | SOLE |  | 0 | 0 | 2696 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2112771 | 5499 | SH |  | SOLE |  | 0 | 0 | 5499 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2492528 | 26337 | SH |  | SOLE |  | 0 | 0 | 26337 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 1315372 | 24413 | SH |  | SOLE |  | 0 | 0 | 24413 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 3627386 | 58459 | SH |  | SOLE |  | 0 | 0 | 58459 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 235187 | 3194 | SH |  | SOLE |  | 0 | 0 | 3194 |
| ISHARES TR | MRGSTR SM CP GR | 464288604 |  | 2298523 | 63777 | SH |  | SOLE |  | 0 | 0 | 63777 |
| ISHARES TR | MRNING SM CP ETF | 464288703 |  | 490301 | 9418 | SH |  | SOLE |  | 0 | 0 | 9418 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 611368 | 5865 | SH |  | SOLE |  | 0 | 0 | 5865 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 528391 | 8310 | SH |  | SOLE |  | 0 | 0 | 8310 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1429887 | 19832 | SH |  | SOLE |  | 0 | 0 | 19832 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 885633 | 14368 | SH |  | SOLE |  | 0 | 0 | 14368 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 3237825 | 69332 | SH |  | SOLE |  | 0 | 0 | 69332 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 711109 | 5303 | SH |  | SOLE |  | 0 | 0 | 5303 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 220636 | 1249 | SH |  | SOLE |  | 0 | 0 | 1249 |
| LILLY ELI  CO | COM | 532457108 |  | 394741 | 1079 | SH |  | SOLE |  | 0 | 0 | 1079 |
| LIVEWIRE GROUP INC | *W EXP 09/26/202 | 53838J113 |  | 3163 | 11500 | SH |  | SOLE |  | 0 | 0 | 11500 |
| LOWES COS INC | COM | 548661107 |  | 287105 | 1441 | SH |  | SOLE |  | 0 | 0 | 1441 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 231936 | 667 | SH |  | SOLE |  | 0 | 0 | 667 |
| MCKESSON CORP | COM | 58155Q103 |  | 552552 | 1473 | SH |  | SOLE |  | 0 | 0 | 1473 |
| MERCK  CO INC | COM | 58933Y105 |  | 368687 | 3323 | SH |  | SOLE |  | 0 | 0 | 3323 |
| MICROSOFT CORP | COM | 594918104 |  | 799946 | 3336 | SH |  | SOLE |  | 0 | 0 | 3336 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 250677 | 297 | SH |  | SOLE |  | 0 | 0 | 297 |
| PEPSICO INC | COM | 713448108 |  | 758448 | 4198 | SH |  | SOLE |  | 0 | 0 | 4198 |
| PFIZER INC | COM | 717081103 |  | 306457 | 5981 | SH |  | SOLE |  | 0 | 0 | 5981 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 347224 | 2291 | SH |  | SOLE |  | 0 | 0 | 2291 |
| PROLOGIS INC. | COM | 74340W103 |  | 423978 | 3761 | SH |  | SOLE |  | 0 | 0 | 3761 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1439849 | 3765 | SH |  | SOLE |  | 0 | 0 | 3765 |
| SPDR SER TR | NUVEEN BLOOMBERG | 78464A284 |  | 228200 | 4660 | SH |  | SOLE |  | 0 | 0 | 4660 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 591390 | 20129 | SH |  | SOLE |  | 0 | 0 | 20129 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 899291 | 7188 | SH |  | SOLE |  | 0 | 0 | 7188 |
| SSGA ACTIVE ETF TR | BLACKSTONE SENR | 78467V608 |  | 2692320 | 65827 | SH |  | SOLE |  | 0 | 0 | 65827 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 201435 | 608 | SH |  | SOLE |  | 0 | 0 | 608 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 310839 | 702 | SH |  | SOLE |  | 0 | 0 | 702 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 |  | 200370 | 4265 | SH |  | SOLE |  | 0 | 0 | 4265 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 238999 | 5334 | SH |  | SOLE |  | 0 | 0 | 5334 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 13646186 | 302241 | SH |  | SOLE |  | 0 | 0 | 302241 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 6484423 | 116710 | SH |  | SOLE |  | 0 | 0 | 116710 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 12263017 | 185747 | SH |  | SOLE |  | 0 | 0 | 185747 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 5795529 | 88333 | SH |  | SOLE |  | 0 | 0 | 88333 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 5587250 | 137923 | SH |  | SOLE |  | 0 | 0 | 137923 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 6979471 | 216686 | SH |  | SOLE |  | 0 | 0 | 216686 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 200130 | 4384 | SH |  | SOLE |  | 0 | 0 | 4384 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 1657705 | 85936 | SH |  | SOLE |  | 0 | 0 | 85936 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 699208 | 14494 | SH |  | SOLE |  | 0 | 0 | 14494 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 281765 | 8953 | SH |  | SOLE |  | 0 | 0 | 8953 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 810104 | 6510 | SH |  | SOLE |  | 0 | 0 | 6510 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 289121 | 4101 | SH |  | SOLE |  | 0 | 0 | 4101 |
| TESLA INC | COM | 88160R101 |  | 349954 | 2841 | SH |  | SOLE |  | 0 | 0 | 2841 |
| UNION PAC CORP | COM | 907818108 |  | 501731 | 2423 | SH |  | SOLE |  | 0 | 0 | 2423 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 545555 | 1029 | SH |  | SOLE |  | 0 | 0 | 1029 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 432468 | 2848 | SH |  | SOLE |  | 0 | 0 | 2848 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 22228210 | 129181 | SH |  | SOLE |  | 0 | 0 | 129181 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 49753354 | 483747 | SH |  | SOLE |  | 0 | 0 | 483747 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 14394445 | 108719 | SH |  | SOLE |  | 0 | 0 | 108719 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 5276888 | 125730 | SH |  | SOLE |  | 0 | 0 | 125730 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 226311 | 2091 | SH |  | SOLE |  | 0 | 0 | 2091 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1090585 | 23348 | SH |  | SOLE |  | 0 | 0 | 23348 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 646786 | 5333 | SH |  | SOLE |  | 0 | 0 | 5333 |
| VANGUARD WORLD FDS | FINANCIALS ETF | 92204A405 |  | 260600 | 3150 | SH |  | SOLE |  | 0 | 0 | 3150 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 293880 | 920 | SH |  | SOLE |  | 0 | 0 | 920 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 4052457 | 80823 | SH |  | SOLE |  | 0 | 0 | 80823 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1046297 | 26842 | SH |  | SOLE |  | 0 | 0 | 26842 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 9113531 | 121207 | SH |  | SOLE |  | 0 | 0 | 121207 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1368596 | 27654 | SH |  | SOLE |  | 0 | 0 | 27654 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1624504 | 4624 | SH |  | SOLE |  | 0 | 0 | 4624 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 2784595 | 20590 | SH |  | SOLE |  | 0 | 0 | 20590 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 6264458 | 34849 | SH |  | SOLE |  | 0 | 0 | 34849 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 3074060 | 37270 | SH |  | SOLE |  | 0 | 0 | 37270 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 3218152 | 16047 | SH |  | SOLE |  | 0 | 0 | 16047 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3787569 | 23851 | SH |  | SOLE |  | 0 | 0 | 23851 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 6288150 | 30853 | SH |  | SOLE |  | 0 | 0 | 30853 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 3469232 | 19915 | SH |  | SOLE |  | 0 | 0 | 19915 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 10017067 | 47004 | SH |  | SOLE |  | 0 | 0 | 47004 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 7031360 | 50092 | SH |  | SOLE |  | 0 | 0 | 50092 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 6134090 | 33421 | SH |  | SOLE |  | 0 | 0 | 33421 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2128155 | 11131 | SH |  | SOLE |  | 0 | 0 | 11131 |
| VISA INC | COM CL A | 92826C839 |  | 208799 | 1005 | SH |  | SOLE |  | 0 | 0 | 1005 |
| WILLSCOT MOBIL MINI HLDNG CO | COM CL A | 971378104 |  | 451700 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| YUM BRANDS INC | COM | 988498101 |  | 291344 | 2275 | SH |  | SOLE |  | 0 | 0 | 2275 |

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