# EDGAR Filing Document

**Accession Number:** 0001986156
**File Stem:** 0001986156-26-000002
**Filing Date:** 2026-5
**Character Count:** 15379
**Document Hash:** d703a095fbb2c854e06f9c09398930d0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001986156-26-000002.hdr.sgml**: 20260508

**ACCESSION NUMBER**: 0001986156-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260508

**DATE AS OF CHANGE**: 20260508

**EFFECTIVENESS DATE**: 20260508

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Altiora Financial Group, LLC
- **CENTRAL INDEX KEY:** 0001986156

**ORGANIZATION NAME:**
- **EIN:** 823812591
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23304
- **FILM NUMBER:** 26957050

**BUSINESS ADDRESS:**
- **STREET 1:** 1607 MARIETTA DRIVE
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036
- **BUSINESS PHONE:** (513) 652-5776

**MAIL ADDRESS:**
- **STREET 1:** 1607 MARIETTA DRIVE
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036

### 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:** Altiora Financial Group LLC<br>**Address:** 1607 MARIETTA DRIVE<br>LEBANON, OH 45036

**Form 13F File Number:** 028-23304

**CRD Number (if applicable):** 000292008

**SEC File Number (if applicable):** 801-112389

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:** Derek Tinnin<br>**Title:** Managing Member<br>**Phone:** 513-652-5776

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

Derek Tinnin  Lebanon, OH  05-08-2026<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:** 0

**Form 13F Information Table Entry Total:** 112

**Form 13F Information Table Value Total:** $607110070

      (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 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 112315000 | 2890247 | SH |  | SOLE |  | 0 | 0 | 2890247 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 49159886 | 1447156 | SH |  | SOLE |  | 0 | 0 | 1447156 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 44169997 | 922515 | SH |  | SOLE |  | 0 | 0 | 922515 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 28559510 | 89023 | SH |  | SOLE |  | 0 | 0 | 89023 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 28465605 | 376280 | SH |  | SOLE |  | 0 | 0 | 376280 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 20047068 | 199156 | SH |  | SOLE |  | 0 | 0 | 199156 |
| SIMPLIFY EXCHANGE TRADED FUN | HIGH YIELD ETF | 82889N830 |  | 19184018 | 898970 | SH |  | SOLE |  | 0 | 0 | 898970 |
| SIMPLIFY EXCHANGE TRADED FUN | MANAGED FUTURES | 82889N699 |  | 19050506 | 630394 | SH |  | SOLE |  | 0 | 0 | 630394 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 16261373 | 652805 | SH |  | SOLE |  | 0 | 0 | 652805 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 16068450 | 222925 | SH |  | SOLE |  | 0 | 0 | 222925 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 14674268 | 234976 | SH |  | SOLE |  | 0 | 0 | 234976 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 13543809 | 279484 | SH |  | SOLE |  | 0 | 0 | 279484 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 13490443 | 506969 | SH |  | SOLE |  | 0 | 0 | 506969 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 13471758 | 270029 | SH |  | SOLE |  | 0 | 0 | 270029 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 |  | 11044643 | 94975 | SH |  | SOLE |  | 0 | 0 | 94975 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 10351493 | 97197 | SH |  | SOLE |  | 0 | 0 | 97197 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 9780819 | 185313 | SH |  | SOLE |  | 0 | 0 | 185313 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 8735181 | 149217 | SH |  | SOLE |  | 0 | 0 | 149217 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 8203789 | 338022 | SH |  | SOLE |  | 0 | 0 | 338022 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 7911429 | 111570 | SH |  | SOLE |  | 0 | 0 | 111570 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 7536379 | 74514 | SH |  | SOLE |  | 0 | 0 | 74514 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 7212265 | 93532 | SH |  | SOLE |  | 0 | 0 | 93532 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 6671260 | 112028 | SH |  | SOLE |  | 0 | 0 | 112028 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 5943136 | 161674 | SH |  | SOLE |  | 0 | 0 | 161674 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5712777 | 13079 | SH |  | SOLE |  | 0 | 0 | 13079 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 5676976 | 64394 | SH |  | SOLE |  | 0 | 0 | 64394 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R523 |  | 5641253 | 56730 | SH |  | SOLE |  | 0 | 0 | 56730 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 5542678 | 109301 | SH |  | SOLE |  | 0 | 0 | 109301 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 5273325 | 50984 | SH |  | SOLE |  | 0 | 0 | 50984 |
| VANGUARD CALIF TAX FREE FDS | TAX EXEMPT BD FD | 922021605 |  | 4954000 | 50000 | SH |  | SOLE |  | 0 | 0 | 50000 |
| SIMPLIFY EXCHANGE TRADED FUN | ENHANCED INM ETF | 82889N632 |  | 4900986 | 229662 | SH |  | SOLE |  | 0 | 0 | 229662 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 4836762 | 67999 | SH |  | SOLE |  | 0 | 0 | 67999 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 4089578 | 104969 | SH |  | SOLE |  | 0 | 0 | 104969 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 3291359 | 102153 | SH |  | SOLE |  | 0 | 0 | 102153 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 3279011 | 78596 | SH |  | SOLE |  | 0 | 0 | 78596 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 3077915 | 68216 | SH |  | SOLE |  | 0 | 0 | 68216 |
| MICROSOFT CORP | COM | 594918104 |  | 2605947 | 7040 | SH |  | SOLE |  | 0 | 0 | 7040 |
| APPLE INC | COM | 037833100 |  | 2583745 | 10181 | SH |  | SOLE |  | 0 | 0 | 10181 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 2550779 | 17909 | SH |  | SOLE |  | 0 | 0 | 17909 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2468570 | 3779 | SH |  | SOLE |  | 0 | 0 | 3779 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 2446216 | 106775 | SH |  | SOLE |  | 0 | 0 | 106775 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 |  | 2116261 | 70191 | SH |  | SOLE |  | 0 | 0 | 70191 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1906331 | 38165 | SH |  | SOLE |  | 0 | 0 | 38165 |
| TESLA INC | COM | 88160R101 |  | 1887375 | 5077 | SH |  | SOLE |  | 0 | 0 | 5077 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R101 |  | 1879692 | 64417 | SH |  | SOLE |  | 0 | 0 | 64417 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 |  | 1716410 | 69420 | SH |  | SOLE |  | 0 | 0 | 69420 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 1582814 | 44549 | SH |  | SOLE |  | 0 | 0 | 44549 |
| SIMPLIFY EXCHANGE TRADED FUN | BARRIER INCOME | 82889N335 |  | 1553117 | 63289 | SH |  | SOLE |  | 0 | 0 | 63289 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1484680 | 7831 | SH |  | SOLE |  | 0 | 0 | 7831 |
| AMAZON COM INC | COM | 023135106 |  | 1284402 | 6167 | SH |  | SOLE |  | 0 | 0 | 6167 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 1228673 | 31153 | SH |  | SOLE |  | 0 | 0 | 31153 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1200764 | 4186 | SH |  | SOLE |  | 0 | 0 | 4186 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 1119491 | 5650 | SH |  | SOLE |  | 0 | 0 | 5650 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 1068340 | 26000 | SH |  | SOLE |  | 0 | 0 | 26000 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 928003 | 26860 | SH |  | SOLE |  | 0 | 0 | 26860 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 875862 | 879 | SH |  | SOLE |  | 0 | 0 | 879 |
| CHEVRON CORPORATION | COM | 166764100 |  | 850773 | 4112 | SH |  | SOLE |  | 0 | 0 | 4112 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 845453 | 2940 | SH |  | SOLE |  | 0 | 0 | 2940 |
| ELI LILLY  CO | COM | 532457108 |  | 823195 | 895 | SH |  | SOLE |  | 0 | 0 | 895 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 811348 | 22676 | SH |  | SOLE |  | 0 | 0 | 22676 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 751958 | 7084 | SH |  | SOLE |  | 0 | 0 | 7084 |
| BANK AMERICA CORP | COM | 060505104 |  | 731738 | 15010 | SH |  | SOLE |  | 0 | 0 | 15010 |
| BILL HOLDINGS INC | COM | 090043100 |  | 727700 | 19000 | SH |  | SOLE |  | 0 | 0 | 19000 |
| GLOBAL X FDS | GLB X MLP ENRG I | 37954Y293 |  | 709824 | 9600 | SH |  | SOLE |  | 0 | 0 | 9600 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 675856 | 19960 | SH |  | SOLE |  | 0 | 0 | 19960 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 671253 | 1560 | SH |  | SOLE |  | 0 | 0 | 1560 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 647860 | 996 | SH |  | SOLE |  | 0 | 0 | 996 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 647149 | 3298 | SH |  | SOLE |  | 0 | 0 | 3298 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 602352 | 9400 | SH |  | SOLE |  | 0 | 0 | 9400 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 591369 | 7542 | SH |  | SOLE |  | 0 | 0 | 7542 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 546421 | 3748 | SH |  | SOLE |  | 0 | 0 | 3748 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 532500 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 516438 | 6180 | SH |  | SOLE |  | 0 | 0 | 6180 |
| SCHWAB STRATEGIC TR | MUN BD ETF | 808524649 |  | 509600 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| AMERICAN CENTY ETF TR | INTERNATIONAL LR | 025072364 |  | 508844 | 6800 | SH |  | SOLE |  | 0 | 0 | 6800 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 507281 | 16870 | SH |  | SOLE |  | 0 | 0 | 16870 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 497924 | 12960 | SH |  | SOLE |  | 0 | 0 | 12960 |
| KRANESHARES TRUST | MOUNT LUCAS ETF | 500767652 |  | 458250 | 16250 | SH |  | SOLE |  | 0 | 0 | 16250 |
| ISHARES TR | MSCI CHINA ETF | 46429B671 |  | 448879 | 7990 | SH |  | SOLE |  | 0 | 0 | 7990 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 437132 | 1788 | SH |  | SOLE |  | 0 | 0 | 1788 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 419865 | 1603 | SH |  | SOLE |  | 0 | 0 | 1603 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 410548 | 3466 | SH |  | SOLE |  | 0 | 0 | 3466 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 394183 | 4890 | SH |  | SOLE |  | 0 | 0 | 4890 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 385840 | 9100 | SH |  | SOLE |  | 0 | 0 | 9100 |
| SIMPLIFY EXCHANGE TRADED FUN | CURRENCY STRATEG | 82889N368 |  | 382368 | 13077 | SH |  | SOLE |  | 0 | 0 | 13077 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 374691 | 5549 | SH |  | SOLE |  | 0 | 0 | 5549 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 374100 | 2590 | SH |  | SOLE |  | 0 | 0 | 2590 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 370550 | 4675 | SH |  | SOLE |  | 0 | 0 | 4675 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 353279 | 953 | SH |  | SOLE |  | 0 | 0 | 953 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 335404 | 581 | SH |  | SOLE |  | 0 | 0 | 581 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 328735 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 323698 | 1009 | SH |  | SOLE |  | 0 | 0 | 1009 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 313058 | 1441 | SH |  | SOLE |  | 0 | 0 | 1441 |
| WALMART INC | COM | 931142103 |  | 302125 | 2431 | SH |  | SOLE |  | 0 | 0 | 2431 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 284007 | 1831 | SH |  | SOLE |  | 0 | 0 | 1831 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 283849 | 1049 | SH |  | SOLE |  | 0 | 0 | 1049 |
| CATERPILLAR INC | COM | 149123101 |  | 283384 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| NEWMONT CORP | COM | 651639106 |  | 263304 | 2432 | SH |  | SOLE |  | 0 | 0 | 2432 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 263143 | 1551 | SH |  | SOLE |  | 0 | 0 | 1551 |
| AGNICO EAGLE MINES LTD | COM | 008474108 |  | 263063 | 1296 | SH |  | SOLE |  | 0 | 0 | 1296 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 256091 | 3410 | SH |  | SOLE |  | 0 | 0 | 3410 |
| META PLATFORMS INC | CL A | 30303M102 |  | 251964 | 440 | SH |  | SOLE |  | 0 | 0 | 440 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 245624 | 835 | SH |  | SOLE |  | 0 | 0 | 835 |
| BARRICK MNG CORP | COM SHS | 06849F108 |  | 238214 | 5840 | SH |  | SOLE |  | 0 | 0 | 5840 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 233334 | 1338 | SH |  | SOLE |  | 0 | 0 | 1338 |
| ISHARES TR | CORE UNIVRSL USD | 46434V613 |  | 229288 | 4964 | SH |  | SOLE |  | 0 | 0 | 4964 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 220210 | 369 | SH |  | SOLE |  | 0 | 0 | 369 |
| NETFLIX INC. | COM | 64110L106 |  | 220184 | 2290 | SH |  | SOLE |  | 0 | 0 | 2290 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 216212 | 892 | SH |  | SOLE |  | 0 | 0 | 892 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 211290 | 2158 | SH |  | SOLE |  | 0 | 0 | 2158 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 207514 | 965 | SH |  | SOLE |  | 0 | 0 | 965 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 203677 | 1473 | SH |  | SOLE |  | 0 | 0 | 1473 |

---