# EDGAR Filing Document

**Accession Number:** 0001908695
**File Stem:** 0001172661-25-002514
**Filing Date:** 2025-7
**Character Count:** 8018
**Document Hash:** 45ebf737c170288ca6f678ff70e0725d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-002514.hdr.sgml**: 20250709

**ACCESSION NUMBER**: 0001172661-25-002514

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250709

**DATE AS OF CHANGE**: 20250709

**EFFECTIVENESS DATE**: 20250709

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Kearns & Associates LLC
- **CENTRAL INDEX KEY:** 0001908695

**ORGANIZATION NAME:**
- **EIN:** 320047487
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21612
- **FILM NUMBER:** 251113999

**BUSINESS ADDRESS:**
- **STREET 1:** 2904 VIA PACHECO
- **CITY:** PALOS VERDES ESTATES
- **STATE:** CA
- **ZIP:** 90274
- **BUSINESS PHONE:** 3103784023

**MAIL ADDRESS:**
- **STREET 1:** 2904 VIA PACHECO
- **CITY:** PALOS VERDES ESTATES
- **STATE:** CA
- **ZIP:** 90274

### 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:** Kearns  Associates LLC<br>**Address:** 2904 Via Pacheco<br>Palos Verdes Estates, CA 90274

**Form 13F File Number:** 028-21612

**CRD Number (if applicable):** 000157449

**SEC File Number (if applicable):** 801-73342

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:** Jeffrey Kearns<br>**Title:** President/CCO<br>**Phone:** 310-378-4023

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

/s/ Jeffrey Kearns  Palos Verdes Estates, CA  07-09-2025<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:** 44

**Form 13F Information Table Value Total:** $174443549

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 845904 | 4800 | SH |  | SOLE |  | 4800 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 851472 | 4800 | SH |  | SOLE |  | 4800 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 1022357 | 4660 | SH |  | SOLE |  | 4660 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 893144 | 2800 | SH |  | SOLE |  | 2800 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 4252764 | 20728 | SH |  | SOLE |  | 20728 | 0 | 0 |
| BAKER HUGHES COMPANY | CL A | 05722G100 |  | 287550 | 7500 | SH |  | SOLE |  | 7500 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 922740 | 19500 | SH |  | SOLE |  | 19500 | 0 | 0 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 461689 | 2170 | SH |  | SOLE |  | 2170 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 222735 | 2482 | SH |  | SOLE |  | 2482 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 374510 | 3020 | SH |  | SOLE |  | 3020 | 0 | 0 |
| EQUINIX INC | COM | 29444U700 |  | 306256 | 385 | SH |  | SOLE |  | 385 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 709811 | 15515 | SH |  | SOLE |  | 15515 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 707750 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| HERBALIFE LTD | COM SHS | G4412G101 |  | 490478 | 56900 | SH |  | SOLE |  | 56900 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C813 |  | 1129357 | 25755 | SH |  | SOLE |  | 25755 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 375591 | 605 | SH |  | SOLE |  | 605 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 634756 | 5808 | SH |  | SOLE |  | 5808 | 0 | 0 |
| ISHARES TR | EXPND TEC SC ETF | 464287549 |  | 924109 | 8226 | SH |  | SOLE |  | 8226 | 0 | 0 |
| JOHNSON CTLS INTL PLC | SHS | G51502105 |  | 475290 | 4500 | SH |  | SOLE |  | 4500 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 568224 | 1960 | SH |  | SOLE |  | 1960 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 221870 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 625310 | 2860 | SH |  | SOLE |  | 2860 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 2138863 | 4300 | SH |  | SOLE |  | 4300 | 0 | 0 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 211290 | 1500 | SH |  | SOLE |  | 1500 | 0 | 0 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 483871 | 11518 | SH |  | SOLE |  | 11518 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 303390 | 1905 | SH |  | SOLE |  | 1905 | 0 | 0 |
| ROYALTY PHARMA PLC | SHS CLASS A | G7709Q104 |  | 2548762 | 70740 | SH |  | SOLE |  | 70740 | 0 | 0 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 821160 | 9000 | SH |  | SOLE |  | 9000 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 760701 | 25239 | SH |  | SOLE |  | 25239 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 1855759 | 83971 | SH |  | SOLE |  | 83971 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 208809 | 685 | SH |  | SOLE |  | 685 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 5937539 | 9610 | SH |  | SOLE |  | 9610 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 379805 | 960 | SH |  | SOLE |  | 960 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 459386 | 1133 | SH |  | SOLE |  | 1133 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 207072 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1727110 | 3940 | SH |  | SOLE |  | 3940 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 446454 | 5013 | SH |  | SOLE |  | 5013 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 51951703 | 91459 | SH |  | SOLE |  | 91459 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 9231430 | 38954 | SH |  | SOLE |  | 38954 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 52835419 | 173841 | SH |  | SOLE |  | 173841 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5277366 | 106700 | SH |  | SOLE |  | 106700 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 17656993 | 309717 | SH |  | SOLE |  | 309717 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 1136160 | 3200 | SH |  | SOLE |  | 3200 | 0 | 0 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 560840 | 7000 | SH |  | SOLE |  | 7000 | 0 | 0 |

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