# EDGAR Filing Document

**Accession Number:** 0001728866
**File Stem:** 0001765380-25-000302
**Filing Date:** 2025-8
**Character Count:** 11081
**Document Hash:** 4ecba7e924e9f5dad577f51c6c1ad14f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-25-000302.hdr.sgml**: 20250806

**ACCESSION NUMBER**: 0001765380-25-000302

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250806

**DATE AS OF CHANGE**: 20250806

**EFFECTIVENESS DATE**: 20250806

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Smart Money Group LLC
- **CENTRAL INDEX KEY:** 0001728866

**ORGANIZATION NAME:**
- **EIN:** 813038854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18631
- **FILM NUMBER:** 251188773

**BUSINESS ADDRESS:**
- **STREET 1:** PO BOX 904
- **CITY:** EASTLAND
- **STATE:** TX
- **ZIP:** 76448
- **BUSINESS PHONE:** 254-629-3863

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 904
- **CITY:** EASTLAND
- **STATE:** TX
- **ZIP:** 76448

### 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:** Smart Money Group LLC<br>**Address:** PO BOX 904<br>EASTLAND, TX 76448

**Form 13F File Number:** 028-18631

**CRD Number (if applicable):** 000284187

**SEC File Number (if applicable):** 801-107979

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:** Jim R Kennedy<br>**Title:** Principal<br>**Phone:** 254-629-3863

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

Jim R Kennedy  Eastland, TX  08-06-2025<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:** 0

**Form 13F Information Table Entry Total:** 74

**Form 13F Information Table Value Total:** $318872904

      (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 | Empowered Funds LLC | 028-17729              |    000171412 | 801-79835         |

### 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 |
| EA SERIES TRUST | YOKE CORE ETF | 02072Q788 |  | 200284792 | 7684051 | SH |  | SOLE |  | 0 | 0 | 7684051 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 8670762 | 94525 | SH |  | SOLE |  | 0 | 0 | 94525 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 6806410 | 213434 | SH |  | SOLE |  | 0 | 0 | 213434 |
| ISHARES U S ETF TR | SHORT MATURITY M | 46431W838 |  | 6419200 | 127694 | SH |  | SOLE |  | 0 | 0 | 127694 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 5763924 | 18909 | SH |  | SOLE |  | 0 | 0 | 18909 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 |  | 5442491 | 57905 | SH |  | SOLE |  | 0 | 0 | 57905 |
| TIDAL TRUST I | FOLIOBEYOND ALTE | 886364637 |  | 5388204 | 147339 | SH |  | SOLE |  | 0 | 0 | 147339 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 5349211 | 230173 | SH |  | SOLE |  | 0 | 0 | 230173 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 3965963 | 51280 | SH |  | SOLE |  | 0 | 0 | 51280 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 3284249 | 65280 | SH |  | SOLE |  | 0 | 0 | 65280 |
| MICROSOFT CORP | COM | 594918104 |  | 2890651 | 5811 | SH |  | SOLE |  | 0 | 0 | 5811 |
| FIRST FINL BANKSHARES INC | COM | 32020R109 |  | 2865937 | 79654 | SH |  | SOLE |  | 0 | 0 | 79654 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2724788 | 17247 | SH |  | SOLE |  | 0 | 0 | 17247 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2707599 | 25915 | SH |  | SOLE |  | 0 | 0 | 25915 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 2406481 | 27269 | SH |  | SOLE |  | 0 | 0 | 27269 |
| NOBLE CORP PLC | ORD SHS A | G65431127 |  | 2211827 | 83308 | SH |  | SOLE |  | 0 | 0 | 83308 |
| APPLE INC | COM | 037833100 |  | 2040538 | 9946 | SH |  | SOLE |  | 0 | 0 | 9946 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 1995965 | 38862 | SH |  | SOLE |  | 0 | 0 | 38862 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1869729 | 3849 | SH |  | SOLE |  | 0 | 0 | 3849 |
| AMAZON COM INC | COM | 023135106 |  | 1867009 | 8510 | SH |  | SOLE |  | 0 | 0 | 8510 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1749915 | 2371 | SH |  | SOLE |  | 0 | 0 | 2371 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 |  | 1309116 | 11618 | SH |  | SOLE |  | 0 | 0 | 11618 |
| BROADCOM INC | COM | 11135F101 |  | 1288506 | 4674 | SH |  | SOLE |  | 0 | 0 | 4674 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1236953 | 2242 | SH |  | SOLE |  | 0 | 0 | 2242 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1191671 | 2098 | SH |  | SOLE |  | 0 | 0 | 2098 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1170845 | 6644 | SH |  | SOLE |  | 0 | 0 | 6644 |
| HOME DEPOT INC | COM | 437076102 |  | 1165523 | 3179 | SH |  | SOLE |  | 0 | 0 | 3179 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1163420 | 1175 | SH |  | SOLE |  | 0 | 0 | 1175 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 1156995 | 9561 | SH |  | SOLE |  | 0 | 0 | 9561 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1153553 | 1858 | SH |  | SOLE |  | 0 | 0 | 1858 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1135291 | 7432 | SH |  | SOLE |  | 0 | 0 | 7432 |
| MOODYS CORP | COM | 615369105 |  | 1129503 | 2252 | SH |  | SOLE |  | 0 | 0 | 2252 |
| AUTOZONE INC | COM | 053332102 |  | 1124806 | 303 | SH |  | SOLE |  | 0 | 0 | 303 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1101682 | 6915 | SH |  | SOLE |  | 0 | 0 | 6915 |
| S GLOBAL INC | COM | 78409V104 |  | 1084367 | 2056 | SH |  | SOLE |  | 0 | 0 | 2056 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 1053630 | 2275 | SH |  | SOLE |  | 0 | 0 | 2275 |
| COCA COLA CO | COM | 191216100 |  | 1052857 | 14881 | SH |  | SOLE |  | 0 | 0 | 14881 |
| TJX COS INC NEW | COM | 872540109 |  | 1048518 | 8491 | SH |  | SOLE |  | 0 | 0 | 8491 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1012501 | 9392 | SH |  | SOLE |  | 0 | 0 | 9392 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 1007684 | 16473 | SH |  | SOLE |  | 0 | 0 | 16473 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 998538 | 1777 | SH |  | SOLE |  | 0 | 0 | 1777 |
| QUALCOMM INC | COM | 747525103 |  | 994168 | 6242 | SH |  | SOLE |  | 0 | 0 | 6242 |
| LOWES COS INC | COM | 548661107 |  | 972280 | 4382 | SH |  | SOLE |  | 0 | 0 | 4382 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 972163 | 14085 | SH |  | SOLE |  | 0 | 0 | 14085 |
| EOG RES INC | COM | 26875P101 |  | 966188 | 8078 | SH |  | SOLE |  | 0 | 0 | 8078 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 944944 | 10075 | SH |  | SOLE |  | 0 | 0 | 10075 |
| PACCAR INC | COM | 693718108 |  | 938936 | 9877 | SH |  | SOLE |  | 0 | 0 | 9877 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 933807 | 30113 | SH |  | SOLE |  | 0 | 0 | 30113 |
| OLD DOMINION FREIGHT LINE IN | COM | 679580100 |  | 930687 | 5734 | SH |  | SOLE |  | 0 | 0 | 5734 |
| ABBVIE INC | COM | 00287Y109 |  | 885033 | 4768 | SH |  | SOLE |  | 0 | 0 | 4768 |
| COPART INC | COM | 217204106 |  | 857400 | 17473 | SH |  | SOLE |  | 0 | 0 | 17473 |
| WALMART INC | COM | 931142103 |  | 843779 | 8629 | SH |  | SOLE |  | 0 | 0 | 8629 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 822337 | 1331 | SH |  | SOLE |  | 0 | 0 | 1331 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 795492 | 8474 | SH |  | SOLE |  | 0 | 0 | 8474 |
| HERSHEY CO | COM | 427866108 |  | 773504 | 4661 | SH |  | SOLE |  | 0 | 0 | 4661 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F698 |  | 641591 | 14443 | SH |  | SOLE |  | 0 | 0 | 14443 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 598640 | 5769 | SH |  | SOLE |  | 0 | 0 | 5769 |
| SPDR SERIES TRUST | PORTFOLIO LN TSR | 78464A664 |  | 579124 | 21788 | SH |  | SOLE |  | 0 | 0 | 21788 |
| BLACKSTONE INC | COM | 09260D107 |  | 517297 | 3458 | SH |  | SOLE |  | 0 | 0 | 3458 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 470604 | 2653 | SH |  | SOLE |  | 0 | 0 | 2653 |
| CHEVRON CORP NEW | COM | 166764100 |  | 459317 | 3208 | SH |  | SOLE |  | 0 | 0 | 3208 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 389503 | 1720 | SH |  | SOLE |  | 0 | 0 | 1720 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 385454 | 1883 | SH |  | SOLE |  | 0 | 0 | 1883 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 301519 | 908 | SH |  | SOLE |  | 0 | 0 | 908 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 298677 | 2191 | SH |  | SOLE |  | 0 | 0 | 2191 |
| VANGUARD WELLINGTON FD | US VALUE FACTR | 921935805 |  | 293889 | 2484 | SH |  | SOLE |  | 0 | 0 | 2484 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 279833 | 2875 | SH |  | SOLE |  | 0 | 0 | 2875 |
| TESLA INC | COM | 88160R101 |  | 273505 | 861 | SH |  | SOLE |  | 0 | 0 | 861 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 269308 | 1232 | SH |  | SOLE |  | 0 | 0 | 1232 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 265340 | 9025 | SH |  | SOLE |  | 0 | 0 | 9025 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 253458 | 9564 | SH |  | SOLE |  | 0 | 0 | 9564 |
| CELESTICA INC | COM | 15101Q207 |  | 233853 | 1498 | SH |  | SOLE |  | 0 | 0 | 1498 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 220793 | 972 | SH |  | SOLE |  | 0 | 0 | 972 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 218877 | 1946 | SH |  | SOLE |  | 0 | 0 | 1946 |

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