# EDGAR Filing Document

**Accession Number:** 0002056521
**File Stem:** 0001951757-26-000716
**Filing Date:** 2026-4
**Character Count:** 11973
**Document Hash:** b882025a7cc35b87ae2805af19ccb643
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000716.hdr.sgml**: 20260423

**ACCESSION NUMBER**: 0001951757-26-000716

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260423

**DATE AS OF CHANGE**: 20260423

**EFFECTIVENESS DATE**: 20260423

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MASTER'S WEALTH MANAGEMENT INC.
- **CENTRAL INDEX KEY:** 0002056521

**ORGANIZATION NAME:**
- **EIN:** 233023926
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25100
- **FILM NUMBER:** 26889522

**BUSINESS ADDRESS:**
- **STREET 1:** 480 NEW HOLLAND AVENUE
- **STREET 2:** SUITE 7201
- **CITY:** LANCASTER
- **STATE:** PA
- **ZIP:** 17602
- **BUSINESS PHONE:** (717) 581-1323

**MAIL ADDRESS:**
- **STREET 1:** 480 NEW HOLLAND AVENUE
- **STREET 2:** SUITE 7201
- **CITY:** LANCASTER
- **STATE:** PA
- **ZIP:** 17602

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** MASTER'S WEALTH MANAGEMENT INC.<br>**Address:** 480 NEW HOLLAND AVENUE<br>SUITE 7201<br>LANCASTER, PA 17602

**Form 13F File Number:** 028-25100

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:** Lyle Hershey<br>**Title:** Chief Compliance Officer<br>**Phone:** (717) 581-1323

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

Lyle Hershey  Lancaster, PA  04-23-2026<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:** 4

**Form 13F Information Table Entry Total:** 82

**Form 13F Information Table Value Total:** $295250558

      (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   |
|:---|:---|:---|
|  | Zacks Investment Management |  |
|  | Alley Company               |  |
|  | Capital Group               |  |
|  | 1492 Investment Management  |  |

### 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 |
| ABBVIE INC | COM | 00287Y109 |  | 222740 | 1024 | SH |  | DFND | 12 | 0 | 0 | 1024 |
| AFLAC INC | COM | 001055102 |  | 267254 | 2436 | SH |  | SOLE |  | 0 | 0 | 2436 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 545037 | 1895 | SH |  | DFND | 12 | 0 | 0 | 1895 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 492511 | 4458 | SH |  | SOLE |  | 0 | 0 | 4458 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 212448 | 1621 | SH |  | DFND | 1 | 0 | 0 | 1621 |
| AMGEN INC | COM | 031162100 |  | 202030 | 574 | SH |  | DFND | 2 | 0 | 0 | 574 |
| APPLE INC | COM | 037833100 |  | 3344169 | 13177 | SH |  | DFND | 2 | 0 | 0 | 13177 |
| ASML HLDG NV | N Y REGISTRY SHS | N07059210 |  | 387239 | 293 | SH |  | DFND | 3 | 0 | 0 | 293 |
| AT INC | COM | 00206R102 |  | 213209 | 7355 | SH |  | DFND | 12 | 0 | 0 | 7355 |
| BLACKROCK INC | COM | 09290D101 |  | 223914 | 233 | SH |  | DFND | 12 | 0 | 0 | 233 |
| BROADCOM INC | COM | 11135F101 |  | 547620 | 1769 | SH |  | DFND | 1 | 0 | 0 | 1769 |
| CATERPILLAR INC | COM | 149123101 |  | 707772 | 999 | SH |  | DFND | 1 | 0 | 0 | 999 |
| CHEVRON CORPORATION | COM | 166764100 |  | 243055 | 1175 | SH |  | DFND | 2 | 0 | 0 | 1175 |
| CISCO SYS INC | COM | 17275R102 |  | 352367 | 4541 | SH |  | DFND | 12 | 0 | 0 | 4541 |
| CME GROUP INC | COM | 12572Q105 |  | 463958 | 1571 | SH |  | DFND | 2 | 0 | 0 | 1571 |
| COCA COLA CO | COM | 191216100 |  | 360678 | 4743 | SH |  | SOLE |  | 0 | 0 | 4743 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 458168 | 3471 | SH |  | DFND | 1 | 0 | 0 | 3471 |
| CSX CORP | COM | 126408103 |  | 282441 | 6880 | SH |  | DFND | 1 | 0 | 0 | 6880 |
| D R HORTON INC | COM | 23331A109 |  | 236022 | 1720 | SH |  | DFND | 3 | 0 | 0 | 1720 |
| DEERE  CO | COM | 244199105 |  | 240687 | 427 | SH |  | DFND | 1 | 0 | 0 | 427 |
| DELTA AIR LINES INC | COM NEW | 247361702 |  | 260124 | 3913 | SH |  | DFND | 1 | 0 | 0 | 3913 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 5545156 | 172103 | SH |  | SOLE |  | 0 | 0 | 172103 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 3415072 | 86589 | SH |  | SOLE |  | 0 | 0 | 86589 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 75338706 | 1938721 | SH |  | SOLE |  | 0 | 0 | 1938721 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 21479824 | 584326 | SH |  | SOLE |  | 0 | 0 | 584326 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 5778223 | 161810 | SH |  | SOLE |  | 0 | 0 | 161810 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 22752279 | 364328 | SH |  | SOLE |  | 0 | 0 | 364328 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 47381894 | 1394816 | SH |  | SOLE |  | 0 | 0 | 1394816 |
| DIMENSIONAL ETF TRUST | GLOBAL CORE PLUS | 25434V583 |  | 2986079 | 55308 | SH |  | SOLE |  | 0 | 0 | 55308 |
| DIMENSIONAL ETF TRUST | GLOBAL CR ETF | 25434V567 |  | 880327 | 16262 | SH |  | SOLE |  | 0 | 0 | 16262 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 1076448 | 40498 | SH |  | SOLE |  | 0 | 0 | 40498 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 1473915 | 34910 | SH |  | SOLE |  | 0 | 0 | 34910 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 677688 | 13364 | SH |  | SOLE |  | 0 | 0 | 13364 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 323670 | 1908 | SH |  | DFND | 1 | 0 | 0 | 1908 |
| FERGUSON ENTERPRISES INC | COMMON STOCK NEW | 31488V107 |  | 260276 | 1116 | SH |  | DFND | 1 | 0 | 0 | 1116 |
| FERROGLOBE PLC | SHS | G33856108 |  | 51130 | 12410 | SH |  | DFND | 4 | 0 | 0 | 12410 |
| FIDELITY COVINGTON TRUST | ENHANCED INTL | 31609A404 |  | 434608 | 11683 | SH |  | SOLE |  | 0 | 0 | 11683 |
| FULTON FINL CORP PA | COM | 360271100 |  | 204310 | 10045 | SH |  | SOLE |  | 0 | 0 | 10045 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 432342 | 1996 | SH |  | DFND | 12 | 0 | 0 | 1996 |
| GE AEROSPACE | COM NEW | 369604301 |  | 293039 | 1033 | SH |  | SOLE |  | 0 | 0 | 1033 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 320086 | 933 | SH |  | DFND | 1 | 0 | 0 | 933 |
| GSK PLC | SPONSORED ADR | 37733W204 |  | 214954 | 3895 | SH |  | SOLE |  | 0 | 0 | 3895 |
| HERSHEY CO | COM | 427866108 |  | 743017 | 3574 | SH |  | DFND | 2 | 0 | 0 | 3574 |
| HOME DEPOT INC | COM | 437076102 |  | 573124 | 1743 | SH |  | DFND | 12 | 0 | 0 | 1743 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 259363 | 1070 | SH |  | DFND | 1 | 0 | 0 | 1070 |
| INTUIT | COM | 461202103 |  | 227432 | 526 | SH |  | DFND | 2 | 0 | 0 | 526 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 295236 | 2375 | SH |  | SOLE |  | 0 | 0 | 2375 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 280602 | 5544 | SH |  | SOLE |  | 0 | 0 | 5544 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 368487 | 1507 | SH |  | DFND | 1 | 0 | 0 | 1507 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 578312 | 1966 | SH |  | DFND | 12 | 0 | 0 | 1966 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 413265 | 12325 | SH |  | DFND | 1 | 0 | 0 | 12325 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 672815 | 3149 | SH |  | SOLE |  | 0 | 0 | 3149 |
| LAMAR ADVERTISING CO | CL A | 512816109 |  | 224862 | 1775 | SH |  | DFND | 1 | 0 | 0 | 1775 |
| MANNKIND CORP | COM NEW | 56400P706 |  | 25838 | 10546 | SH |  | DFND | 4 | 0 | 0 | 10546 |
| MERCK  CO INC | COM | 58933Y105 |  | 249078 | 2071 | SH |  | DFND | 1 | 0 | 0 | 2071 |
| META PLATFORMS INC | CL A | 30303M102 |  | 241478 | 422 | SH |  | DFND | 1 | 0 | 0 | 422 |
| MICROSOFT CORP | COM | 594918104 |  | 732457 | 1979 | SH |  | DFND | 12 | 0 | 0 | 1979 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 286142 | 1739 | SH |  | DFND | 12 | 0 | 0 | 1739 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 567974 | 6115 | SH |  | DFND | 2 | 0 | 0 | 6115 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 331871 | 486 | SH |  | SOLE |  | 0 | 0 | 486 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 1064847 | 1189 | SH |  | DFND | 12 | 0 | 0 | 1189 |
| PAYCHEX INC | COM | 704326107 |  | 561227 | 6092 | SH |  | DFND | 2 | 0 | 0 | 6092 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 212140 | 1283 | SH |  | DFND | 12 | 0 | 0 | 1283 |
| PHILLIPS 66 | COM | 718546104 |  | 645870 | 3545 | SH |  | DFND | 2 | 0 | 0 | 3545 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 2147699 | 10321 | SH |  | DFND | 1 | 0 | 0 | 10321 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 509619 | 3528 | SH |  | DFND | 12 | 0 | 0 | 3528 |
| PROLOGIS INC. | COM | 74340W103 |  | 1120170 | 8475 | SH |  | DFND | 12 | 0 | 0 | 8475 |
| PUBLIC SVC ENTERPRISE GROUP | COM | 744573106 |  | 230442 | 2847 | SH |  | DFND | 1 | 0 | 0 | 2847 |
| REGIONS FINANCIAL CORP NEW | COM | 7591EP100 |  | 1009047 | 38631 | SH |  | SOLE |  | 0 | 0 | 38631 |
| SNAP ON INC | COM | 833034101 |  | 682202 | 1878 | SH |  | DFND | 2 | 0 | 0 | 1878 |
| SPDR SERIES TRUST | BLOOMBERG SHORT | 78464A334 |  | 1502854 | 55827 | SH |  | SOLE |  | 0 | 0 | 55827 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 |  | 285611 | 845 | SH |  | DFND | 3 | 0 | 0 | 845 |
| UNION PAC CORP | COM | 907818108 |  | 600998 | 2477 | SH |  | DFND | 2 | 0 | 0 | 2477 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 334089 | 559 | SH |  | SOLE |  | 0 | 0 | 559 |
| VANGUARD MUN BD FDS | SHORT TAX EXEMPT | 922907696 |  | 4021322 | 52711 | SH |  | SOLE |  | 0 | 0 | 52711 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 5293040 | 106094 | SH |  | SOLE |  | 0 | 0 | 106094 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 36598959 | 614592 | SH |  | SOLE |  | 0 | 0 | 614592 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 27815605 | 475156 | SH |  | SOLE |  | 0 | 0 | 475156 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 579281 | 11539 | SH |  | DFND | 12 | 0 | 0 | 11539 |
| WALMART INC | COM | 931142103 |  | 289313 | 2328 | SH |  | DFND | 1 | 0 | 0 | 2328 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 623297 | 2712 | SH |  | SOLE |  | 0 | 0 | 2712 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 468104 | 4043 | SH |  | DFND | 2 | 0 | 0 | 4043 |

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