# EDGAR Filing Document

**Accession Number:** 0001989526
**File Stem:** 0001765380-25-000447
**Filing Date:** 2025-11
**Character Count:** 9596
**Document Hash:** 11348491875fbe331a50eb6c88b1b32b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765380-25-000447.hdr.sgml**: 20251107

**ACCESSION NUMBER**: 0001765380-25-000447

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251107

**DATE AS OF CHANGE**: 20251107

**EFFECTIVENESS DATE**: 20251107

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Certus Wealth Management, LLC
- **CENTRAL INDEX KEY:** 0001989526

**ORGANIZATION NAME:**
- **EIN:** 882088304
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23336
- **FILM NUMBER:** 251462228

**BUSINESS ADDRESS:**
- **STREET 1:** 27 EXETER AVENUE
- **CITY:** SAN CARLOS
- **STATE:** CA
- **ZIP:** 94070
- **BUSINESS PHONE:** 650-232-2023

**MAIL ADDRESS:**
- **STREET 1:** 27 EXETER AVENUE
- **CITY:** SAN CARLOS
- **STATE:** CA
- **ZIP:** 94070

### 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:** Certus Wealth Management LLC<br>**Address:** 27 EXETER AVENUE<br>SAN CARLOS, CA 94070

**Form 13F File Number:** 028-23336

**CRD Number (if applicable):** 000318830

**SEC File Number (if applicable):** 801-128021

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:** Michelle McCarthy<br>**Title:** Compliance Consultant<br>**Phone:** 5138325447

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

Michelle McCarthy  Cincinnati, OH  11-07-2025<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:** 58

**Form 13F Information Table Value Total:** $167094898

      (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 |
| APPLE INC | COM | 037833100 |  | 6571239 | 25807 | SH |  | SOLE | 0 | 0 | 0 | 25807 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 9394744 | 158695 | SH |  | SOLE | 0 | 0 | 0 | 158695 |
| BLACKROCK ETF TRUST | ISHARES US THEMA | 09290C806 |  | 3207045 | 84708 | SH |  | SOLE | 0 | 0 | 0 | 84708 |
| BLACKROCK ETF TRUST | ISHARES A I INNO | 09290C780 |  | 2916376 | 85374 | SH |  | SOLE | 0 | 0 | 0 | 85374 |
| BLACKROCK ETF TRUST II | ISHARES HIGH YIE | 092528843 |  | 498491 | 10134 | SH |  | SOLE | 0 | 0 | 0 | 10134 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 2097070 | 39389 | SH |  | SOLE | 0 | 0 | 0 | 39389 |
| FORD MTR CO | COM | 345370860 |  | 199756 | 16702 | SH |  | SOLE | 0 | 0 | 0 | 16702 |
| GLOBAL X FDS | DEFENSE TECH ETF | 37960A529 |  | 1616012 | 23007 | SH |  | SOLE | 0 | 0 | 0 | 23007 |
| INVESCO EXCH TRADED FD TR II | CALIF AMT MUN | 46138E206 |  | 1559680 | 65204 | SH |  | SOLE | 0 | 0 | 0 | 65204 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 2464502 | 33867 | SH |  | SOLE | 0 | 0 | 0 | 33867 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1990802 | 29489 | SH |  | SOLE | 0 | 0 | 0 | 29489 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 462099 | 7010 | SH |  | SOLE | 0 | 0 | 0 | 7010 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 1413274 | 17114 | SH |  | SOLE | 0 | 0 | 0 | 17114 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 2169828 | 24852 | SH |  | SOLE | 0 | 0 | 0 | 24852 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 209263 | 816 | SH |  | SOLE | 0 | 0 | 0 | 816 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 492322 | 3937 | SH |  | SOLE | 0 | 0 | 0 | 3937 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 7705896 | 39619 | SH |  | SOLE | 0 | 0 | 0 | 39619 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 486252 | 12276 | SH |  | SOLE | 0 | 0 | 0 | 12276 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 1020940 | 21857 | SH |  | SOLE | 0 | 0 | 0 | 21857 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 618946 | 4251 | SH |  | SOLE | 0 | 0 | 0 | 4251 |
| ISHARES TR | INVESTMENT GRADE | 46435G219 |  | 285249 | 6195 | SH |  | SOLE | 0 | 0 | 0 | 6195 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 9722074 | 143330 | SH |  | SOLE | 0 | 0 | 0 | 143330 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 3633000 | 31902 | SH |  | SOLE | 0 | 0 | 0 | 31902 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 8071923 | 55420 | SH |  | SOLE | 0 | 0 | 0 | 55420 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 3220291 | 31268 | SH |  | SOLE | 0 | 0 | 0 | 31268 |
| ISHARES TR | S 100 ETF | 464287101 |  | 6773294 | 20350 | SH |  | SOLE | 0 | 0 | 0 | 20350 |
| ISHARES TR | CORE S ETF | 464287200 |  | 8176838 | 12217 | SH |  | SOLE | 0 | 0 | 0 | 12217 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 346155 | 739 | SH |  | SOLE | 0 | 0 | 0 | 739 |
| ISHARES TR | GLOBAL ENERG ETF | 464287341 |  | 223530 | 5354 | SH |  | SOLE | 0 | 0 | 0 | 5354 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 1563528 | 15149 | SH |  | SOLE | 0 | 0 | 0 | 15149 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 956384 | 4883 | SH |  | SOLE | 0 | 0 | 0 | 4883 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 1669530 | 17308 | SH |  | SOLE | 0 | 0 | 0 | 17308 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 859579 | 8050 | SH |  | SOLE | 0 | 0 | 0 | 8050 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 213128 | 2062 | SH |  | SOLE | 0 | 0 | 0 | 2062 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1028083 | 10806 | SH |  | SOLE | 0 | 0 | 0 | 10806 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 1081715 | 46787 | SH |  | SOLE | 0 | 0 | 0 | 46787 |
| ISHARES TR | MBS ETF | 464288588 |  | 291920 | 3068 | SH |  | SOLE | 0 | 0 | 0 | 3068 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 505082 | 4743 | SH |  | SOLE | 0 | 0 | 0 | 4743 |
| ISHARES TR | JPMORGAN USD EMG | 464288281 |  | 739055 | 7764 | SH |  | SOLE | 0 | 0 | 0 | 7764 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 7257313 | 127232 | SH |  | SOLE | 0 | 0 | 0 | 127232 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 732840 | 1468 | SH |  | SOLE | 0 | 0 | 0 | 1468 |
| META PLATFORMS INC | CL A | 30303M102 |  | 326799 | 445 | SH |  | SOLE | 0 | 0 | 0 | 445 |
| MICROSOFT CORP | COM | 594918104 |  | 444982 | 859 | SH |  | SOLE | 0 | 0 | 0 | 859 |
| NETFLIX INC | COM | 64110L106 |  | 255370 | 213 | SH |  | SOLE | 0 | 0 | 0 | 213 |
| ORACLE CORP | COM | 68389X105 |  | 3133576 | 11142 | SH |  | SOLE | 0 | 0 | 0 | 11142 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 748786 | 1124 | SH |  | SOLE | 0 | 0 | 0 | 1124 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 682994 | 23633 | SH |  | SOLE | 0 | 0 | 0 | 23633 |
| TESLA INC | COM | 88160R101 |  | 1136260 | 2555 | SH |  | SOLE | 0 | 0 | 0 | 2555 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 8748887 | 117640 | SH |  | SOLE | 0 | 0 | 0 | 117640 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 1702809 | 34428 | SH |  | SOLE | 0 | 0 | 0 | 34428 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 743518 | 2266 | SH |  | SOLE | 0 | 0 | 0 | 2266 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 16051705 | 26212 | SH |  | SOLE | 0 | 0 | 0 | 26212 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 6726881 | 36071 | SH |  | SOLE | 0 | 0 | 0 | 36071 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 11159565 | 23268 | SH |  | SOLE | 0 | 0 | 0 | 23268 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5569596 | 102798 | SH |  | SOLE | 0 | 0 | 0 | 102798 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1020877 | 20389 | SH |  | SOLE | 0 | 0 | 0 | 20389 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 2457558 | 52333 | SH |  | SOLE | 0 | 0 | 0 | 52333 |
| VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 |  | 1739687 | 9080 | SH |  | SOLE | 0 | 0 | 0 | 9080 |

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