# EDGAR Filing Document

**Accession Number:** 0002043741
**File Stem:** 0001986152-25-000105
**Filing Date:** 2025-11
**Character Count:** 8847
**Document Hash:** 36c536c377ec375fb3bcdd2ed1c68863
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001986152-25-000105.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0001986152-25-000105

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251112

**EFFECTIVENESS DATE**: 20251113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PLANWISER FINANCIAL, LLC
- **CENTRAL INDEX KEY:** 0002043741

**ORGANIZATION NAME:**
- **EIN:** 833319159
- **STATE OF INCORPORATION:** CO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25548
- **FILM NUMBER:** 251474742

**BUSINESS ADDRESS:**
- **STREET 1:** 620 S CASCADE AVE
- **CITY:** COLORADO SPRINGS
- **STATE:** CO
- **ZIP:** 80903
- **BUSINESS PHONE:** 7198220808

**MAIL ADDRESS:**
- **STREET 1:** 620 S CASCADE AVE
- **CITY:** COLORADO SPRINGS
- **STATE:** CO
- **ZIP:** 80903

### 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:** PLANWISER FINANCIAL LLC<br>**Address:** 620 S CASCADE AVE<br>COLORADO SPRINGS, CO 80903

**Form 13F File Number:** 028-25548

**CRD Number (if applicable):** 000331675

**SEC File Number (if applicable):** 801-130873

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:** Lindsay Marie Rider<br>**Title:** Compliance Consultant<br>**Phone:** 7209844071

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

Lindsay Marie Rider  Thornton, CO  11-12-2025<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:** 48

**Form 13F Information Table Value Total:** $125912400

      (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 EQT ETF | 025072885 |  | 13472479 | 121956 | SH |  | SOLE | 0 | 0 | 0 | 121956 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 3364125 | 43025 | SH |  | SOLE | 0 | 0 | 0 | 43025 |
| AMERICAN CENTY ETF TR | AVANTIS CORE FI | 025072562 |  | 3463580 | 82663 | SH |  | SOLE | 0 | 0 | 0 | 82663 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 5658763 | 77773 | SH |  | SOLE | 0 | 0 | 0 | 77773 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 3431038 | 93693 | SH |  | SOLE | 0 | 0 | 0 | 93693 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 566264 | 8336 | SH |  | SOLE | 0 | 0 | 0 | 8336 |
| FIDELITY COVINGTON TRUST | ENHANCED HIGH YI | 316092618 |  | 1006412 | 20560 | SH |  | SOLE | 0 | 0 | 0 | 20560 |
| FIRST TR EXCHANGE-TRADED FD | SENIOR LN FD | 33738D309 |  | 943067 | 20582 | SH |  | SOLE | 0 | 0 | 0 | 20582 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST LADDERED | 33740U703 |  | 474570 | 17028 | SH |  | SOLE | 0 | 0 | 0 | 17028 |
| FRANKLIN TEMPLETON ETF TR | US MID CP MLTFCT | 35473P884 |  | 733437 | 13379 | SH |  | SOLE | 0 | 0 | 0 | 13379 |
| HARBOR ETF TRUST | HARBOR COMMODITY | 41151J505 |  | 2918195 | 109583 | SH |  | SOLE | 0 | 0 | 0 | 109583 |
| INNOVATOR ETFS TRUST | POWER BUFFER SET | 45783Y723 |  | 316331 | 9020 | SH |  | SOLE | 0 | 0 | 0 | 9020 |
| INNOVATOR ETFS TRUST | EQUITY MNGD 100 | 45784N619 |  | 1287216 | 47657 | SH |  | SOLE | 0 | 0 | 0 | 47657 |
| INNOVATOR ETFS TRUST | LADERD ALCTN PWR | 45783Y814 |  | 1908346 | 38701 | SH |  | SOLE | 0 | 0 | 0 | 38701 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 2958053 | 141534 | SH |  | SOLE | 0 | 0 | 0 | 141534 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 269266 | 426 | SH |  | SOLE | 0 | 0 | 0 | 426 |
| ISHARES INC | MSCI GERMANY ETF | 464286806 |  | 1230818 | 30086 | SH |  | SOLE | 0 | 0 | 0 | 30086 |
| ISHARES INC | MSCI CDA ETF | 464286509 |  | 1273996 | 25143 | SH |  | SOLE | 0 | 0 | 0 | 25143 |
| ISHARES INC | MSCI JPN ETF NEW | 46434G822 |  | 1294998 | 15483 | SH |  | SOLE | 0 | 0 | 0 | 15483 |
| ISHARES INC | MSCI FRANCE ETF | 464286707 |  | 1172923 | 26615 | SH |  | SOLE | 0 | 0 | 0 | 26615 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 610928 | 6104 | SH |  | SOLE | 0 | 0 | 0 | 6104 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 5009469 | 93182 | SH |  | SOLE | 0 | 0 | 0 | 93182 |
| ISHARES TR | CORE S ETF | 464287200 |  | 12838249 | 18696 | SH |  | SOLE | 0 | 0 | 0 | 18696 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 799409 | 2137 | SH |  | SOLE | 0 | 0 | 0 | 2137 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 300172 | 1471 | SH |  | SOLE | 0 | 0 | 0 | 1471 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 436724 | 895 | SH |  | SOLE | 0 | 0 | 0 | 895 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 293878 | 3075 | SH |  | SOLE | 0 | 0 | 0 | 3075 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 258133 | 2930 | SH |  | SOLE | 0 | 0 | 0 | 2930 |
| ISHARES TR | CORE LT USDB ETF | 464289479 |  | 262444 | 5200 | SH |  | SOLE | 0 | 0 | 0 | 5200 |
| ISHARES TR | CONV BD ETF | 46435G102 |  | 4119173 | 39749 | SH |  | SOLE | 0 | 0 | 0 | 39749 |
| RBB FD INC | MOTLEY FOL ETF | 74933W601 |  | 1548481 | 21247 | SH |  | SOLE | 0 | 0 | 0 | 21247 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 2503204 | 84941 | SH |  | SOLE | 0 | 0 | 0 | 84941 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 2404132 | 21165 | SH |  | SOLE | 0 | 0 | 0 | 21165 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 2450111 | 46982 | SH |  | SOLE | 0 | 0 | 0 | 46982 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 2665261 | 8828 | SH |  | SOLE | 0 | 0 | 0 | 8828 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 2519883 | 10405 | SH |  | SOLE | 0 | 0 | 0 | 10405 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 3520402 | 73849 | SH |  | SOLE | 0 | 0 | 0 | 73849 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 5080321 | 116441 | SH |  | SOLE | 0 | 0 | 0 | 116441 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 3118813 | 108067 | SH |  | SOLE | 0 | 0 | 0 | 108067 |
| SPDR SERIES TRUST | PORTFLI HIGH YLD | 78468R606 |  | 3134678 | 132882 | SH |  | SOLE | 0 | 0 | 0 | 132882 |
| SPDR SERIES TRUST | NUVEEN ICE HIGH | 78464A284 |  | 500144 | 19934 | SH |  | SOLE | 0 | 0 | 0 | 19934 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 241049 | 384 | SH |  | SOLE | 0 | 0 | 0 | 384 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 6196412 | 33516 | SH |  | SOLE | 0 | 0 | 0 | 33516 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1534117 | 6030 | SH |  | SOLE | 0 | 0 | 0 | 6030 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5691120 | 11341 | SH |  | SOLE | 0 | 0 | 0 | 11341 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 2957775 | 58791 | SH |  | SOLE | 0 | 0 | 0 | 58791 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 3194099 | 68003 | SH |  | SOLE | 0 | 0 | 0 | 68003 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 3979942 | 58997 | SH |  | SOLE | 0 | 0 | 0 | 58997 |

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