# EDGAR Filing Document

**Accession Number:** 0002044874
**File Stem:** 0002044874-26-000002
**Filing Date:** 2026-2
**Character Count:** 12992
**Document Hash:** 8ddd36b5b1452c538d554269d772117f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002044874-26-000002.hdr.sgml**: 20260209

**ACCESSION NUMBER**: 0002044874-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260209

**DATE AS OF CHANGE**: 20260209

**EFFECTIVENESS DATE**: 20260209

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Valued Retirements, Inc.
- **CENTRAL INDEX KEY:** 0002044874

**ORGANIZATION NAME:**
- **EIN:** 760603675
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24501
- **FILM NUMBER:** 26610993

**BUSINESS ADDRESS:**
- **STREET 1:** 710 N. POST OAK RD.
- **STREET 2:** SUITE 420
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77024
- **BUSINESS PHONE:** 713-673-9055

**MAIL ADDRESS:**
- **STREET 1:** 710 N. POST OAK RD.
- **STREET 2:** SUITE 420
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77024

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Valued Retirements Inc.<br>**Address:** 710 N. POST OAK RD.<br>SUITE 420<br>HOUSTON, TX 77024

**Form 13F File Number:** 028-24501

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:** Sarah Mizell<br>**Title:** President<br>**Phone:** 713-673-9055

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

Sarah Mizell  Houston, TX  02-09-2026<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:** 92

**Form 13F Information Table Value Total:** $102274790

      (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 |
| AMERICAN CENTY ETF TR | US QUALITY GROW | 025072307 |  | 2689086 | 23481 | SH |  | SOLE |  | 304 | 0 | 23177 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 5410660 | 108430 | SH |  | SOLE |  | 118 | 0 | 108312 |
| FIDELITY COVINGTON TRUST | HIGH DIVID ETF | 316092840 |  | 4978318 | 87817 | SH |  | SOLE |  | 671 | 0 | 87146 |
| LEGG MASON ETF INVT | FRANKLIN INTL LW | 52468L505 |  | 1079036 | 29306 | SH |  | SOLE |  | 0 | 0 | 29306 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 2151491 | 8507 | SH |  | SOLE |  | 70 | 0 | 8436 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 2397590 | 12516 | SH |  | SOLE |  | 197 | 0 | 12319 |
| INVESCO EXCH TRADED FD TR II | S INTL MOMNT | 46138E222 |  | 1105221 | 19889 | SH |  | SOLE |  | 0 | 0 | 19889 |
| INVESCO EXCH TRADED FD TR II | S SMALLCAP 600 | 46138G664 |  | 2867596 | 58859 | SH |  | SOLE |  | 976 | 0 | 57883 |
| ISHARES TR | EXPND TEC SC ETF | 464287549 |  | 557971 | 4320 | SH |  | SOLE |  | 0 | 0 | 4320 |
| ISHARES TR | MSCI INTL MOMENT | 46434V449 |  | 1633976 | 34062 | SH |  | SOLE |  | 1196 | 0 | 32867 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 1150308 | 8400 | SH |  | SOLE |  | 362 | 0 | 8038 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 3308163 | 11945 | SH |  | SOLE |  | 138 | 0 | 11807 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 3759691 | 59508 | SH |  | SOLE |  | 598 | 0 | 58910 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5442841 | 8679 | SH |  | SOLE |  | 1592 | 0 | 7087 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 GRTH | 921932869 |  | 272390 | 2266 | SH |  | SOLE |  | 9 | 0 | 2257 |
| VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 |  | 1594384 | 8337 | SH |  | SOLE |  | 220 | 0 | 8117 |
| WISDOMTREE TR | WISDOMTREE US VA | 97717W547 |  | 1617128 | 17333 | SH |  | SOLE |  | 467 | 0 | 16866 |
| ANGLOGOLD ASHANTI PLC | COM SHS | G0378L100 |  | 277160 | 3250 | SH |  | SOLE |  | 0 | 0 | 3250 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2857265 | 35201 | SH |  | SOLE |  | 0 | 0 | 35201 |
| ISHARES INC | MSCI GBL GOLD MN | 46434G855 |  | 427112 | 5800 | SH |  | SOLE |  | 0 | 0 | 5800 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 201036 | 2200 | SH |  | SOLE |  | 0 | 0 | 2200 |
| WISDOMTREE TR | ITL HIGH DIV FD | 97717W802 |  | 224480 | 4350 | SH |  | SOLE |  | 0 | 0 | 4350 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 258865 | 515 | SH |  | SOLE |  | 0 | 0 | 515 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 5581268 | 9085 | SH |  | SOLE |  | 76 | 0 | 9009 |
| INVESCO EXCH TRD SLF IDX FD | RUSL 1000 DYNM | 46138J619 |  | 2171521 | 35523 | SH |  | SOLE |  | 0 | 0 | 35523 |
| INVESCO EXCHANGE TRADED FD T | S MDCP MOMNTUM | 46137V464 |  | 1407697 | 10167 | SH |  | SOLE |  | 8 | 0 | 10159 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1402761 | 7522 | SH |  | SOLE |  | 0 | 0 | 7522 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 |  | 4974463 | 150650 | SH |  | SOLE |  | 4880 | 0 | 145770 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 255851 | 3392 | SH |  | SOLE |  | 82 | 0 | 3310 |
| APPLE INC | COM | 037833100 |  | 4043987 | 14875 | SH |  | SOLE |  | 0 | 0 | 14875 |
| AMAZON COM INC | COM | 023135106 |  | 1095703 | 4747 | SH |  | SOLE |  | 120 | 0 | 4627 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 1064809 | 44293 | SH |  | SOLE |  | 4096 | 0 | 40198 |
| FLEXSHARES TR | INTL QLTDV IDX | 33939L837 |  | 455878 | 14996 | SH |  | SOLE |  | 0 | 0 | 14996 |
| FLEXSHARES TR | QUALT DIVD IDX | 33939L860 |  | 1214413 | 15028 | SH |  | SOLE |  | 0 | 0 | 15028 |
| FLEXSHARES TR | STOXX GLOBR INF | 33939L795 |  | 582288 | 9623 | SH |  | SOLE |  | 0 | 0 | 9623 |
| FIRST TR EXCHANGE TRADED FD | NASDAQ CYB ETF | 33734X846 |  | 336225 | 4706 | SH |  | SOLE |  | 0 | 0 | 4706 |
| SOUTHERN CO | COM | 842587107 |  | 467517 | 5361 | SH |  | SOLE |  | 816 | 0 | 4545 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 794357 | 3614 | SH |  | SOLE |  | 411 | 0 | 3203 |
| AMERICAN HOMES 4 RENT | CL A | 02665T306 |  | 212114 | 6608 | SH |  | SOLE |  | 0 | 0 | 6608 |
| WELLTOWER INC | COM | 95040Q104 |  | 647498 | 3488 | SH |  | SOLE |  | 0 | 0 | 3488 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 552549 | 4631 | SH |  | SOLE |  | 0 | 0 | 4631 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 425054 | 1319 | SH |  | SOLE |  | 0 | 0 | 1319 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 300775 | 3591 | SH |  | SOLE |  | 0 | 0 | 3591 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000GRW | 92206C623 |  | 324468 | 1375 | SH |  | SOLE |  | 551 | 0 | 824 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 782500 | 2500 | SH |  | SOLE |  | 100 | 0 | 2400 |
| META PLATFORMS INC | CL A | 30303M102 |  | 561077 | 850 | SH |  | SOLE |  | 0 | 0 | 850 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 779496 | 7527 | SH |  | SOLE |  | 0 | 0 | 7527 |
| VISA INC | COM CL A | 92826C839 |  | 265838 | 758 | SH |  | SOLE |  | 0 | 0 | 758 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 4649697 | 38638 | SH |  | SOLE |  | 0 | 0 | 38638 |
| INVESCO EXCHANGE TRADED FD T | S PUR VAL | 46137V258 |  | 942457 | 9118 | SH |  | SOLE |  | 412 | 0 | 8706 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 213202 | 1116 | SH |  | SOLE |  | 0 | 0 | 1116 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 211167 | 1188 | SH |  | SOLE |  | 0 | 0 | 1188 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 202422 | 235 | SH |  | SOLE |  | 0 | 0 | 235 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 842978 | 1728 | SH |  | SOLE |  | 1215 | 0 | 513 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 279271 | 2275 | SH |  | SOLE |  | 16 | 0 | 2259 |
| INVESCO EXCH TRADED FD TR II | S INTL QULTY | 46138E214 |  | 217433 | 6186 | SH |  | SOLE |  | 39 | 0 | 6147 |
| MICROSOFT CORP | COM | 594918104 |  | 2084478 | 4310 | SH |  | SOLE |  | 0 | 0 | 4310 |
| TESLA INC | COM | 88160R101 |  | 355279 | 790 | SH |  | SOLE |  | 0 | 0 | 790 |
| CAMBRIA ETF TR | SHSHLD YIELD ETF | 132061201 |  | 753041 | 10832 | SH |  | SOLE |  | 15 | 0 | 10817 |
| XCEL ENERGY INC | COM | 98389B100 |  | 218869 | 2963 | SH |  | SOLE |  | 0 | 0 | 2963 |
| ISHARES INC | EM MKT SM-CP ETF | 464286475 |  | 449288 | 6658 | SH |  | SOLE |  | 0 | 0 | 6658 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 303462 | 2761 | SH |  | SOLE |  | 0 | 0 | 2761 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 485135 | 1546 | SH |  | SOLE |  | 0 | 0 | 1546 |
| ELI LILLY  CO | COM | 532457108 |  | 241592 | 225 | SH |  | SOLE |  | 0 | 0 | 225 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 279418 | 2298 | SH |  | SOLE |  | 525 | 0 | 1772 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 480387 | 4990 | SH |  | SOLE |  | 0 | 0 | 4990 |
| ROYAL GOLD INC | COM | 780287108 |  | 345976 | 1556 | SH |  | SOLE |  | 0 | 0 | 1556 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 200417 | 691 | SH |  | SOLE |  | 0 | 0 | 691 |
| EXP WORLD HLDGS INC | COM | 30212W100 |  | 589960 | 65189 | SH |  | SOLE |  | 0 | 0 | 65189 |
| CISCO SYS INC | COM | 17275R102 |  | 316726 | 4112 | SH |  | SOLE |  | 0 | 0 | 4112 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 288260 | 423 | SH |  | SOLE |  | 0 | 0 | 423 |
| BROADCOM INC | COM | 11135F101 |  | 692200 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 534344 | 936 | SH |  | SOLE |  | 0 | 0 | 936 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 320527 | 3004 | SH |  | SOLE |  | 0 | 0 | 3004 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 263087 | 4631 | SH |  | SOLE |  | 0 | 0 | 4631 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 286843 | 2356 | SH |  | SOLE |  | 0 | 0 | 2356 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 360658 | 811 | SH |  | SOLE |  | 5 | 0 | 806 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 241264 | 2158 | SH |  | SOLE |  | 0 | 0 | 2158 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 230353 | 2076 | SH |  | SOLE |  | 0 | 0 | 2076 |
| APOLLO GLOBAL MGMT INC | COM | 03769M106 |  | 520702 | 3597 | SH |  | SOLE |  | 0 | 0 | 3597 |
| BLACKSTONE INC | COM | 09260D107 |  | 556600 | 3611 | SH |  | SOLE |  | 0 | 0 | 3611 |
| GLOBAL X FDS | US INFR DEV ETF | 37954Y673 |  | 840961 | 17597 | SH |  | SOLE |  | 0 | 0 | 17597 |
| IBEX LTD | SHS NEW | G4690M101 |  | 289061 | 7571 | SH |  | SOLE |  | 0 | 0 | 7571 |
| IRON MTN INC DEL | COM | 46284V101 |  | 430511 | 5190 | SH |  | SOLE |  | 0 | 0 | 5190 |
| NETFLIX INC | COM | 64110L106 |  | 449110 | 4790 | SH |  | SOLE |  | 0 | 0 | 4790 |
| SPOTIFY TECHNOLOGY S A | SHS | L8681T102 |  | 419853 | 723 | SH |  | SOLE |  | 0 | 0 | 723 |
| DBX ETF TR | XTRACK MSCI EAFE | 233051200 |  | 486760 | 10118 | SH |  | SOLE |  | 0 | 0 | 10118 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 242618 | 969 | SH |  | SOLE |  | 0 | 0 | 969 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 509433 | 15890 | SH |  | SOLE |  | 0 | 0 | 15890 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1351238 | 14071 | SH |  | SOLE |  | 0 | 0 | 14071 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 714930 | 9719 | SH |  | SOLE |  | 0 | 0 | 9719 |
| FLEXSHARES TR | MORNSTAR UPSTR | 33939L407 |  | 620947 | 13543 | SH |  | SOLE |  | 0 | 0 | 13543 |

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