# EDGAR Filing Document

**Accession Number:** 0001767940
**File Stem:** 0001767940-25-000006
**Filing Date:** 2025-10
**Character Count:** 14807
**Document Hash:** e9326b0c2831b3c9ae98cb750358a891
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001767940-25-000006.hdr.sgml**: 20251020

**ACCESSION NUMBER**: 0001767940-25-000006

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251020

**DATE AS OF CHANGE**: 20251020

**EFFECTIVENESS DATE**: 20251020

**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:** 251403044

**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:** 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:** 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:**

/s/Ashleigh Swayze  Princeton, NJ  10-20-2025<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:** 101

**Form 13F Information Table Value Total:** $430765835

      (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 |
| ABRDN SILVER ETF TRUST | PHYSCL SILVR SHS | 003264108 | BBG001T56K58 | 216128 | 4859 | SH |  | SOLE |  | 4859 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 640293 | 2634 | SH |  | SOLE |  | 2634 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 | BBG001S5T8T5 | 961250 | 14551 | SH |  | SOLE |  | 14551 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 482834 | 2199 | SH |  | SOLE |  | 2199 | 0 | 0 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 | BBG001S5NFD2 | 893700 | 7944 | SH |  | SOLE |  | 7944 | 0 | 0 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 327916 | 1162 | SH |  | SOLE |  | 1162 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 4473904 | 17570 | SH |  | SOLE |  | 17570 | 0 | 0 |
| APPLIED MATLS INC | COM | 038222105 | BBG001S5NMM7 | 402314 | 1965 | SH |  | SOLE |  | 1965 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1616812 | 3216 | SH |  | SOLE |  | 3216 | 0 | 0 |
| BLACKSTONE INC | COM | 09260D107 | BBG001S7H949 | 350702 | 2053 | SH |  | SOLE |  | 2053 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 453255 | 10050 | SH |  | SOLE |  | 10050 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 350275 | 1062 | SH |  | SOLE |  | 1062 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 2386704 | 5002 | SH |  | SOLE |  | 5002 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 1225655 | 7893 | SH |  | SOLE |  | 7893 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 732573 | 10707 | SH |  | SOLE |  | 10707 | 0 | 0 |
| CLOROX CO DEL | COM | 189054109 | BBG001S5PX50 | 459293 | 3725 | SH |  | SOLE |  | 3725 | 0 | 0 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 732520 | 11045 | SH |  | SOLE |  | 11045 | 0 | 0 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 | BBG001S5QNR7 | 595238 | 4810 | SH |  | SOLE |  | 4810 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 6253248 | 8196 | SH |  | SOLE |  | 8196 | 0 | 0 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 | BBG001SDHNW4 | 226392 | 13193 | SH |  | SOLE |  | 13193 | 0 | 0 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 | BBG001S9P0Z1 | 219953 | 7034 | SH |  | SOLE |  | 7034 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 | BBG001S5RHP1 | 328383 | 963 | SH |  | SOLE |  | 963 | 0 | 0 |
| GILEAD SCIENCES INC | COM | 375558103 | BBG001S6Y1X7 | 350760 | 3160 | SH |  | SOLE |  | 3160 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 254508 | 902 | SH |  | SOLE |  | 902 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 | BBG001V18CG8 | 857840 | 11674 | SH |  | SOLE |  | 11674 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S PUR GWT | 46137V266 | BBG00KJR2976 | 5181865 | 108589 | SH |  | SOLE |  | 108589 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 1967699 | 3277 | SH |  | SOLE |  | 3277 | 0 | 0 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 | BBG005DW0468 | 606568 | 11933 | SH |  | SOLE |  | 11933 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 | BBG006MJFZK4 | 36582947 | 537352 | SH |  | SOLE |  | 537352 | 0 | 0 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 | BBG001V0XLT8 | 3926062 | 32063 | SH |  | SOLE |  | 32063 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 208633 | 312 | SH |  | SOLE |  | 312 | 0 | 0 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 425392 | 3735 | SH |  | SOLE |  | 3735 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 1432529 | 15343 | SH |  | SOLE |  | 15343 | 0 | 0 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | BBG0025X2WP7 | 555383 | 6547 | SH |  | SOLE |  | 6547 | 0 | 0 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 | BBG007WGM3H4 | 407790 | 9228 | SH |  | SOLE |  | 9228 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 1004857 | 5166 | SH |  | SOLE |  | 5166 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 | BBG001S561Z8 | 447292 | 3141 | SH |  | SOLE |  | 3141 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 | BBG001SFQJM9 | 518880 | 4000 | SH |  | SOLE |  | 4000 | 0 | 0 |
| ISHARES TR | SELECT DIVID ETF | 464287168 | BBG001SDJVG2 | 1272650 | 8956 | SH |  | SOLE |  | 8956 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 269689 | 1454 | SH |  | SOLE |  | 1454 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 1012215 | 3209 | SH |  | SOLE |  | 3209 | 0 | 0 |
| KELLANOVA | COM | 487836108 | BBG001S5SJL0 | 2391457 | 29157 | SH |  | SOLE |  | 29157 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 | BBG001S5SLZ0 | 595216 | 4787 | SH |  | SOLE |  | 4787 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 490772 | 983 | SH |  | SOLE |  | 983 | 0 | 0 |
| MARZETTI COMPANY | COM | 513847103 | BBG001S5SPQ1 | 4112229 | 23799 | SH |  | SOLE |  | 23799 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 1504578 | 4951 | SH |  | SOLE |  | 4951 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 930195 | 11083 | SH |  | SOLE |  | 11083 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 1062132 | 1446 | SH |  | SOLE |  | 1446 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 3362068 | 6491 | SH |  | SOLE |  | 6491 | 0 | 0 |
| NATIONAL FUEL GAS CO | COM | 636180101 | BBG001S5TLR8 | 524477 | 5678 | SH |  | SOLE |  | 5678 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 | BBG00FJ5GY57 | 297396 | 2990 | SH |  | SOLE |  | 2990 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 | BBG00FJ5HBJ1 | 317465 | 7244 | SH |  | SOLE |  | 7244 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 237556 | 1273 | SH |  | SOLE |  | 1273 | 0 | 0 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 832558 | 5928 | SH |  | SOLE |  | 5928 | 0 | 0 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 1103186 | 43296 | SH |  | SOLE |  | 43296 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 733631 | 4523 | SH |  | SOLE |  | 4523 | 0 | 0 |
| PHILLIPS 66 | COM | 718546104 | BBG00286S4P7 | 246876 | 1815 | SH |  | SOLE |  | 1815 | 0 | 0 |
| PRINCIPAL FINANCIAL GROUP IN | COM | 74251V102 | BBG001SD3148 | 647942 | 7815 | SH |  | SOLE |  | 7815 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 1557205 | 10135 | SH |  | SOLE |  | 10135 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 | BBG001S6VS70 | 1531666 | 9207 | SH |  | SOLE |  | 9207 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 834478 | 4987 | SH |  | SOLE |  | 4987 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 809783 | 34784 | SH |  | SOLE |  | 34784 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 267565 | 8385 | SH |  | SOLE |  | 8385 | 0 | 0 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 | BBG001S7T232 | 795210 | 5156 | SH |  | SOLE |  | 5156 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 | BBG001SCPX28 | 758218 | 2133 | SH |  | SOLE |  | 2133 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | BBG001SRXRJ1 | 255149 | 5963 | SH |  | SOLE |  | 5963 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 | BBG001SRXRD7 | 5482406 | 117120 | SH |  | SOLE |  | 117120 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 666180 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 | BBG001SPTBP8 | 34625825 | 247239 | SH |  | SOLE |  | 247239 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 | BBG001S8FR03 | 3379103 | 9141 | SH |  | SOLE |  | 9141 | 0 | 0 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 225666 | 808 | SH |  | SOLE |  | 808 | 0 | 0 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 | BBG001S60L15 | 621291 | 7771 | SH |  | SOLE |  | 7771 | 0 | 0 |
| TOTALENERGIES SE | SPONSORED ADS | 89151E109 | BBG001S6WYD9 | 252131 | 4224 | SH |  | SOLE |  | 4224 | 0 | 0 |
| TRUIST FINL CORP | COM | 89832Q109 | BBG001S5YYC0 | 574243 | 12560 | SH |  | SOLE |  | 12560 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 | BBG001SDGSH1 | 631113 | 7556 | SH |  | SOLE |  | 7556 | 0 | 0 |
| US BANCORP DEL | COM NEW | 902973304 | BBG001S6T8C1 | 646413 | 13375 | SH |  | SOLE |  | 13375 | 0 | 0 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 | BBG002XRNHT5 | 201124 | 2029 | SH |  | SOLE |  | 2029 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 226867 | 2875 | SH |  | SOLE |  | 2875 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 43661055 | 91034 | SH |  | SOLE |  | 91034 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 11862334 | 40377 | SH |  | SOLE |  | 40377 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 1586111 | 9085 | SH |  | SOLE |  | 9085 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 25538612 | 86943 | SH |  | SOLE |  | 86943 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 3447867 | 16520 | SH |  | SOLE |  | 16520 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 29929026 | 117701 | SH |  | SOLE |  | 117701 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 6010195 | 20194 | SH |  | SOLE |  | 20194 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 399732 | 1218 | SH |  | SOLE |  | 1218 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 1523481 | 8169 | SH |  | SOLE |  | 8169 | 0 | 0 |
| VANGUARD MALVERN FDS | CORE BD ETF | 922020748 | BBG01KH0XWG1 | 12464005 | 158959 | SH |  | SOLE |  | 158959 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 994213 | 19856 | SH |  | SOLE |  | 19856 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 | BBG001T62M74 | 25808731 | 438551 | SH |  | SOLE |  | 438551 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 29366878 | 367407 | SH |  | SOLE |  | 367407 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 1334215 | 6183 | SH |  | SOLE |  | 6183 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 41536125 | 693193 | SH |  | SOLE |  | 693193 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 30570444 | 216889 | SH |  | SOLE |  | 216889 | 0 | 0 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 | BBG001SHVR41 | 1564668 | 7321 | SH |  | SOLE |  | 7321 | 0 | 0 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 | BBG001SHTTR5 | 4253800 | 5697 | SH |  | SOLE |  | 5697 | 0 | 0 |
| VANGUARD WORLD FD | MATERIALS ETF | 92204A801 | BBG001SHTTP7 | 849894 | 4149 | SH |  | SOLE |  | 4149 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 1029041 | 23414 | SH |  | SOLE |  | 23414 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 1076910 | 3155 | SH |  | SOLE |  | 3155 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 226553 | 2198 | SH |  | SOLE |  | 2198 | 0 | 0 |
| WESTERN DIGITAL CORP | COM | 958102105 | BBG001S5XD28 | 387674 | 3229 | SH |  | SOLE |  | 3229 | 0 | 0 |

---