# EDGAR Filing Document

**Accession Number:** 0002004843
**File Stem:** 0002004843-25-000005
**Filing Date:** 2025-12
**Character Count:** 9332
**Document Hash:** b1e765b7ff4c8ffd3da51b4c02551a32
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002004843-25-000005.hdr.sgml**: 20251217

**ACCESSION NUMBER**: 0002004843-25-000005

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251217

**DATE AS OF CHANGE**: 20251217

**EFFECTIVENESS DATE**: 20251217

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financial Symmetry Inc
- **CENTRAL INDEX KEY:** 0002004843

**ORGANIZATION NAME:**
- **EIN:** 364452360
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23563
- **FILM NUMBER:** 251578735

**BUSINESS ADDRESS:**
- **STREET 1:** 5438 WADE PARK BLVD
- **STREET 2:** SUITE 310
- **CITY:** RALEIGH
- **STATE:** NC
- **ZIP:** 27607
- **BUSINESS PHONE:** 919-851-8200

**MAIL ADDRESS:**
- **STREET 1:** 5438 WADE PARK BLVD
- **STREET 2:** SUITE 310
- **CITY:** RALEIGH
- **STATE:** NC
- **ZIP:** 27607

### 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:** Financial Symmetry Inc<br>**Address:** 5438 WADE PARK BLVD<br>SUITE 310<br>RALEIGH, NC 27607

**Form 13F File Number:** 028-23563

**CRD Number (if applicable):** 000118443

**SEC File Number (if applicable):** 801-62698

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:** William Ramsay<br>**Title:** President<br>**Phone:** 9198518200

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

William Ramsay  Raleigh, NC  12-17-2025<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:** 54

**Form 13F Information Table Value Total:** $223011521

      (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 |
| DFA ETF Tr US Core Equity 2 ETF | COM | 25434V708 |  | 58696282 | 1521812 | SH |  | SOLE |  | 58696282 | 0 | 0 |
| DFA World Ex U S Core Equity 2 Etf | COM | 25434V880 |  | 47844056 | 1524667 | SH |  | SOLE |  | 47844056 | 0 | 0 |
| DFA Emerging Markets Core 2 ETF | COM | 25434V732 |  | 11874454 | 370267 | SH |  | SOLE |  | 11874454 | 0 | 0 |
| Avantis International Equity ETF | COM | 025072703 |  | 10799465 | 136875 | SH |  | SOLE |  | 10799465 | 0 | 0 |
| DFA Core Fixed Income ETF | COM | 25434V872 |  | 10645510 | 248960 | SH |  | SOLE |  | 10645510 | 0 | 0 |
| DFA International Core Equity 2 ETF | COM | 25434V799 |  | 10217092 | 311592 | SH |  | SOLE |  | 10217092 | 0 | 0 |
| Vanguard Total World Stock ETF | COM | 922042742 |  | 9197653 | 66746 | SH |  | SOLE |  | 9197653 | 0 | 0 |
| Avantis US Equity ETF | COM | 025072885 |  | 8314691 | 76492 | SH |  | SOLE |  | 8314691 | 0 | 0 |
| DFA International Small Cap Value ETF | COM | 25434V781 |  | 7739703 | 217224 | SH |  | SOLE |  | 7739703 | 0 | 0 |
| DFA Ultrashort Fixed Income ETF | COM | 25434V591 |  | 5518131 | 108667 | SH |  | SOLE |  | 5518131 | 0 | 0 |
| Avantis Emerging Markets Equity ETF | COM | 025072604 |  | 4661106 | 62057 | SH |  | SOLE |  | 4661106 | 0 | 0 |
| DFA US Small Cap Value ETF | COM | 25434V815 |  | 3380030 | 106057 | SH |  | SOLE |  | 3380030 | 0 | 0 |
| Apple Computer Inc | COM | 037833100 |  | 3347621 | 13147 | SH |  | SOLE |  | 3347621 | 0 | 0 |
| Vanguard Total Stock Market ETF | COM | 922908769 |  | 3198107 | 9745 | SH |  | SOLE |  | 3198107 | 0 | 0 |
| DFA International Core Equity ETF | COM | 25434V203 |  | 3072302 | 84520 | SH |  | SOLE |  | 3072302 | 0 | 0 |
| Vanguard Total International Stock ETF | COM | 921909768 |  | 2791774 | 38004 | SH |  | SOLE |  | 2791774 | 0 | 0 |
| DFA Emerging Core Equity ETF | COM | 25434V302 |  | 2584831 | 81980 | SH |  | SOLE |  | 2584831 | 0 | 0 |
| iShares S 500 | COM | 464287200 |  | 2225684 | 3325 | SH |  | SOLE |  | 2225684 | 0 | 0 |
| DFA US Core Equity ETF | COM | 25434V104 |  | 1444552 | 31568 | SH |  | SOLE |  | 1444552 | 0 | 0 |
| Nvidia Corp | COM | 67066G104 |  | 1273222 | 6824 | SH |  | SOLE |  | 1273222 | 0 | 0 |
| Microsoft Corp | COM | 594918104 |  | 1231811 | 2378 | SH |  | SOLE |  | 1231811 | 0 | 0 |
| Tesla Motors Inc. | COM | 88160R101 |  | 908118 | 2042 | SH |  | SOLE |  | 908118 | 0 | 0 |
| Cisco Systems Inc | COM | 17275R102 |  | 758164 | 11081 | SH |  | SOLE |  | 758164 | 0 | 0 |
| Amazon Com Inc | COM | 023135106 |  | 750710 | 3419 | SH |  | SOLE |  | 750710 | 0 | 0 |
| DFA ETF Tr US Target Value ETF | COM | 25434V609 |  | 689887 | 11852 | SH |  | SOLE |  | 689887 | 0 | 0 |
| DFA US Vector Equity ETF | COM | 25434V559 |  | 678430 | 11609 | SH |  | SOLE |  | 678430 | 0 | 0 |
| DFA Short-Duration Fixed Inc ETF | COM | 25434V864 |  | 641535 | 13313 | SH |  | SOLE |  | 641535 | 0 | 0 |
| DFA US Core Equity 1 ETF | COM | 25434V625 |  | 557385 | 7748 | SH |  | SOLE |  | 557385 | 0 | 0 |
| Avantis US Small Cap Value ETF | COM | 025072877 |  | 535511 | 5380 | SH |  | SOLE |  | 535511 | 0 | 0 |
| DFA ETF Tr US Sm Cap ETF | COM | 25434V500 |  | 506287 | 7395 | SH |  | SOLE |  | 506287 | 0 | 0 |
| Alphabet Inc. Class C | COM | 02079K107 |  | 489343 | 2009 | SH |  | SOLE |  | 489343 | 0 | 0 |
| International Business Machines | COM | 459200101 |  | 488770 | 1732 | SH |  | SOLE |  | 488770 | 0 | 0 |
| DFA Etf Tr Intl Vale Etf | COM | 25434V807 |  | 430499 | 9334 | SH |  | SOLE |  | 430499 | 0 | 0 |
| iShares Core S Total US Stock Market | COM | 464287150 |  | 388303 | 2666 | SH |  | SOLE |  | 388303 | 0 | 0 |
| Oracle Corp | COM | 68389X105 |  | 370393 | 1317 | SH |  | SOLE |  | 370393 | 0 | 0 |
| Duke Energy | COM | 26441C204 |  | 363698 | 2939 | SH |  | SOLE |  | 363698 | 0 | 0 |
| Vanguard S 500 ETF | COM | 922908363 |  | 355924 | 581 | SH |  | SOLE |  | 355924 | 0 | 0 |
| DFA Emerging Markets ex China Core Equity ETF | COM | 25434V534 |  | 346971 | 6135 | SH |  | SOLE |  | 346971 | 0 | 0 |
| Johnson  Johnson | COM | 478160104 |  | 346365 | 1868 | SH |  | SOLE |  | 346365 | 0 | 0 |
| Avantis International Small Cap Value ETF | COM | 025072802 |  | 331155 | 3720 | SH |  | SOLE |  | 331155 | 0 | 0 |
| McDonalds Corp | COM | 580135101 |  | 317869 | 1046 | SH |  | SOLE |  | 317869 | 0 | 0 |
| Vertex Pharm Inc | COM | 92532F100 |  | 295822 | 755 | SH |  | SOLE |  | 295822 | 0 | 0 |
| Vanguard Growth ETF | COM | 922908736 |  | 280572 | 585 | SH |  | SOLE |  | 280572 | 0 | 0 |
| Wal-Mart Stores Inc. | COM | 931142103 |  | 274677 | 2665 | SH |  | SOLE |  | 274677 | 0 | 0 |
| Mastercard Inc Class A | COM | 57636Q104 |  | 267341 | 470 | SH |  | SOLE |  | 267341 | 0 | 0 |
| Visa Inc | COM | 92826C839 |  | 263204 | 771 | SH |  | SOLE |  | 263204 | 0 | 0 |
| Broadcom Inc Com | COM | 11135F101 |  | 262938 | 797 | SH |  | SOLE |  | 262938 | 0 | 0 |
| Procter  Gamble Co | COM | 742718109 |  | 244457 | 1591 | SH |  | SOLE |  | 244457 | 0 | 0 |
| iShares Core S Mid-Cap | COM | 464287507 |  | 213246 | 3268 | SH |  | SOLE |  | 213246 | 0 | 0 |
| Vanguard Total Bond Market ETF | COM | 921937835 |  | 211472 | 2844 | SH |  | SOLE |  | 211472 | 0 | 0 |
| Technology Select Sector SPDR | COM | 81369Y803 |  | 206885 | 734 | SH |  | SOLE |  | 206885 | 0 | 0 |
| Txo Partners L P Com Unit Repstg Ltd Partner Int | COM | 87313P103 |  | 176580 | 12568 | SH |  | SOLE |  | 176580 | 0 | 0 |
| Provectus Biopharmaceuticals Inc | COM | 74373P108 |  | 907 | 10191 | SH |  | SOLE |  | 907 | 0 | 0 |
| Potash Amer Inc Com | COM | 737549105 |  | 26 | 15000 | SH |  | SOLE |  | 26 | 0 | 0 |

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