# EDGAR Filing Document

**Accession Number:** 0001767940
**File Stem:** 0001767940-25-000004
**Filing Date:** 2025-7
**Character Count:** 12979
**Document Hash:** 00b77f7bc2b654ebb7dce529294d12aa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001767940-25-000004.hdr.sgml**: 20250709

**ACCESSION NUMBER**: 0001767940-25-000004

**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:** Wolff Financial Management LLC
- **CENTRAL INDEX KEY:** 0001767940

**ORGANIZATION NAME:**
- **EIN:** 383548642
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19175
- **FILM NUMBER:** 251113824

**BUSINESS ADDRESS:**
- **STREET 1:** 5938 VENTURE PARK DRIVE
- **CITY:** KALAMAZOO
- **STATE:** MI
- **ZIP:** 49009
- **BUSINESS PHONE:** 269-372-3100

**MAIL ADDRESS:**
- **STREET 1:** 5938 VENTURE PARK DRIVE
- **CITY:** KALAMAZOO
- **STATE:** MI
- **ZIP:** 49009

### 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:** Wolff Financial Management LLC<br>**Address:** 5938 VENTURE PARK DRIVE<br>KALAMAZOO, MI 49009

**Form 13F File Number:** 028-19175

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:** Ashleigh Swayze<br>**Title:** Counsel<br>**Phone:** 6463953900

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

Ashleigh Swayze  Princeton, NJ  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:** 98

**Form 13F Information Table Value Total:** $387141

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 482 | 2199 | SH |  | SOLE |  | 0 | 0 | 2199 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1808 | 3277 | SH |  | SOLE |  | 0 | 0 | 3277 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 224 | 1465 | SH |  | SOLE |  | 0 | 0 | 1465 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 364 | 1198 | SH |  | SOLE |  | 0 | 0 | 1198 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1615 | 10138 | SH |  | SOLE |  | 0 | 0 | 10138 |
| COCA COLA CO | COM | 191216100 |  | 781 | 11041 | SH |  | SOLE |  | 0 | 0 | 11041 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 218 | 7034 | SH |  | SOLE |  | 0 | 0 | 7034 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 541 | 12586 | SH |  | SOLE |  | 0 | 0 | 12586 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 763 | 7554 | SH |  | SOLE |  | 0 | 0 | 7554 |
| CLOROX CO DEL | COM | 189054109 |  | 447 | 3725 | SH |  | SOLE |  | 0 | 0 | 3725 |
| MERCK  CO INC | COM | 58933Y105 |  | 878 | 11097 | SH |  | SOLE |  | 0 | 0 | 11097 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 618 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 1153 | 26655 | SH |  | SOLE |  | 0 | 0 | 26655 |
| PEPSICO INC | COM | 713448108 |  | 783 | 5929 | SH |  | SOLE |  | 0 | 0 | 5929 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 281 | 2990 | SH |  | SOLE |  | 0 | 0 | 2990 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 304 | 7244 | SH |  | SOLE |  | 0 | 0 | 7244 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 617 | 4787 | SH |  | SOLE |  | 0 | 0 | 4787 |
| US BANCORP DEL | COM NEW | 902973304 |  | 606 | 13397 | SH |  | SOLE |  | 0 | 0 | 13397 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 650 | 2133 | SH |  | SOLE |  | 0 | 0 | 2133 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 769 | 34784 | SH |  | SOLE |  | 0 | 0 | 34784 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 250 | 8553 | SH |  | SOLE |  | 0 | 0 | 8553 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1562 | 3216 | SH |  | SOLE |  | 0 | 0 | 3216 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 23723 | 298397 | SH |  | SOLE |  | 0 | 0 | 298397 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 464 | 2632 | SH |  | SOLE |  | 0 | 0 | 2632 |
| PRINCIPAL FINANCIAL GROUP IN | COM | 74251V102 |  | 621 | 7815 | SH |  | SOLE |  | 0 | 0 | 7815 |
| MICROSOFT CORP | COM | 594918104 |  | 3223 | 6480 | SH |  | SOLE |  | 0 | 0 | 6480 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 26924 | 113611 | SH |  | SOLE |  | 0 | 0 | 113611 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 24012 | 85809 | SH |  | SOLE |  | 0 | 0 | 85809 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 21263 | 361736 | SH |  | SOLE |  | 0 | 0 | 361736 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 1842 | 8410 | SH |  | SOLE |  | 0 | 0 | 8410 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 3784 | 5705 | SH |  | SOLE |  | 0 | 0 | 5705 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 427 | 3816 | SH |  | SOLE |  | 0 | 0 | 3816 |
| ELI LILLY  CO | COM | 532457108 |  | 6550 | 8403 | SH |  | SOLE |  | 0 | 0 | 8403 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 3771 | 32187 | SH |  | SOLE |  | 0 | 0 | 32187 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 569 | 4825 | SH |  | SOLE |  | 0 | 0 | 4825 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 847 | 11628 | SH |  | SOLE |  | 0 | 0 | 11628 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 1188 | 8948 | SH |  | SOLE |  | 0 | 0 | 8948 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 826 | 7956 | SH |  | SOLE |  | 0 | 0 | 7956 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 432 | 3117 | SH |  | SOLE |  | 0 | 0 | 3117 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3209 | 16453 | SH |  | SOLE |  | 0 | 0 | 16453 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 239 | 13171 | SH |  | SOLE |  | 0 | 0 | 13171 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 11708 | 41168 | SH |  | SOLE |  | 0 | 0 | 41168 |
| VISA INC | COM CL A | 92826C839 |  | 1120 | 3154 | SH |  | SOLE |  | 0 | 0 | 3154 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 551 | 6552 | SH |  | SOLE |  | 0 | 0 | 6552 |
| KELLANOVA | COM | 487836108 |  | 2501 | 31441 | SH |  | SOLE |  | 0 | 0 | 31441 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 5610 | 20256 | SH |  | SOLE |  | 0 | 0 | 20256 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1437 | 8128 | SH |  | SOLE |  | 0 | 0 | 8128 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 41519 | 94705 | SH |  | SOLE |  | 0 | 0 | 94705 |
| NUVEEN MUN VALUE FD INC | COM | 670928100 |  | 104 | 11956 | SH |  | SOLE |  | 0 | 0 | 11956 |
| PHILLIPS 66 | COM | 718546104 |  | 217 | 1815 | SH |  | SOLE |  | 0 | 0 | 1815 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1029 | 1394 | SH |  | SOLE |  | 0 | 0 | 1394 |
| VANGUARD WORLD FD | MATERIALS ETF | 92204A801 |  | 813 | 4170 | SH |  | SOLE |  | 0 | 0 | 4170 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 274 | 2918 | SH |  | SOLE |  | 0 | 0 | 2918 |
| BROADCOM INC | COM | 11135F101 |  | 292 | 1060 | SH |  | SOLE |  | 0 | 0 | 1060 |
| TOTALENERGIES SE | SPONSORED ADS | 89151E109 |  | 260 | 4234 | SH |  | SOLE |  | 0 | 0 | 4234 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 201 | 1273 | SH |  | SOLE |  | 0 | 0 | 1273 |
| WESTERN DIGITAL CORP | COM | 958102105 |  | 207 | 3229 | SH |  | SOLE |  | 0 | 0 | 3229 |
| LANCASTER COLONY CORP | COM | 513847103 |  | 4112 | 23799 | SH |  | SOLE |  | 0 | 0 | 23799 |
| NATIONAL FUEL GAS CO | COM | 636180101 |  | 481 | 5678 | SH |  | SOLE |  | 0 | 0 | 5678 |
| BLACKSTONE INC | COM | 09260D107 |  | 307 | 2051 | SH |  | SOLE |  | 0 | 0 | 2051 |
| STRYKER CORPORATION | COM | 863667101 |  | 4004 | 10120 | SH |  | SOLE |  | 0 | 0 | 10120 |
| QUALCOMM INC | COM | 747525103 |  | 1467 | 9209 | SH |  | SOLE |  | 0 | 0 | 9209 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 282 | 966 | SH |  | SOLE |  | 0 | 0 | 966 |
| MCDONALDS CORP | COM | 580135101 |  | 1452 | 4968 | SH |  | SOLE |  | 0 | 0 | 4968 |
| CISCO SYS INC | COM | 17275R102 |  | 745 | 10731 | SH |  | SOLE |  | 0 | 0 | 10731 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 949 | 5193 | SH |  | SOLE |  | 0 | 0 | 5193 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 761 | 5159 | SH |  | SOLE |  | 0 | 0 | 5159 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 1575 | 9577 | SH |  | SOLE |  | 0 | 0 | 9577 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 457 | 986 | SH |  | SOLE |  | 0 | 0 | 986 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 931 | 3212 | SH |  | SOLE |  | 0 | 0 | 3212 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 4916 | 115010 | SH |  | SOLE |  | 0 | 0 | 115010 |
| CHEVRON CORP NEW | COM | 166764100 |  | 1131 | 7895 | SH |  | SOLE |  | 0 | 0 | 7895 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 39680 | 696012 | SH |  | SOLE |  | 0 | 0 | 696012 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 |  | 4995 | 109122 | SH |  | SOLE |  | 0 | 0 | 109122 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 32320 | 238116 | SH |  | SOLE |  | 0 | 0 | 238116 |
| WALMART INC | COM | 931142103 |  | 217 | 2223 | SH |  | SOLE |  | 0 | 0 | 2223 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 266 | 902 | SH |  | SOLE |  | 0 | 0 | 902 |
| RTX CORPORATION | COM | 75513E101 |  | 738 | 5053 | SH |  | SOLE |  | 0 | 0 | 5053 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 28110 | 210861 | SH |  | SOLE |  | 0 | 0 | 210861 |
| PFIZER INC | COM | 717081103 |  | 1048 | 43216 | SH |  | SOLE |  | 0 | 0 | 43216 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 598 | 11824 | SH |  | SOLE |  | 0 | 0 | 11824 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 350 | 3160 | SH |  | SOLE |  | 0 | 0 | 3160 |
| CATERPILLAR INC | COM | 149123101 |  | 1942 | 5002 | SH |  | SOLE |  | 0 | 0 | 5002 |
| AMGEN INC | COM | 031162100 |  | 324 | 1162 | SH |  | SOLE |  | 0 | 0 | 1162 |
| APPLIED MATLS INC | COM | 038222105 |  | 360 | 1965 | SH |  | SOLE |  | 0 | 0 | 1965 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 1265 | 6183 | SH |  | SOLE |  | 0 | 0 | 6183 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 33380 | 522050 | SH |  | SOLE |  | 0 | 0 | 522050 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 494 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 228 | 2892 | SH |  | SOLE |  | 0 | 0 | 2892 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 824 | 4523 | SH |  | SOLE |  | 0 | 0 | 4523 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 465 | 10055 | SH |  | SOLE |  | 0 | 0 | 10055 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 840 | 14325 | SH |  | SOLE |  | 0 | 0 | 14325 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 399 | 9229 | SH |  | SOLE |  | 0 | 0 | 9229 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 241 | 5963 | SH |  | SOLE |  | 0 | 0 | 5963 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 571 | 7771 | SH |  | SOLE |  | 0 | 0 | 7771 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 969 | 19762 | SH |  | SOLE |  | 0 | 0 | 19762 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1428 | 15971 | SH |  | SOLE |  | 0 | 0 | 15971 |
| APPLE INC | COM | 037833100 |  | 4048 | 19732 | SH |  | SOLE |  | 0 | 0 | 19732 |

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