# EDGAR Filing Document

**Accession Number:** 0002113970
**File Stem:** 0001951757-26-000491
**Filing Date:** 2026-2
**Character Count:** 11087
**Document Hash:** 70698723b41fd2fc5b6358655d486eea
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000491.hdr.sgml**: 20260227

**ACCESSION NUMBER**: 0001951757-26-000491

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260227

**DATE AS OF CHANGE**: 20260227

**EFFECTIVENESS DATE**: 20260227

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financially in Tune, LLC
- **CENTRAL INDEX KEY:** 0002113970

**ORGANIZATION NAME:**
- **EIN:** 274281810
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26713
- **FILM NUMBER:** 26695687

**BUSINESS ADDRESS:**
- **STREET 1:** 92 MONTVALE AVENUE
- **STREET 2:** SUITE 2050
- **CITY:** STONEHAM
- **STATE:** MA
- **ZIP:** 02180
- **BUSINESS PHONE:** (781) 587-0582

**MAIL ADDRESS:**
- **STREET 1:** 92 MONTVALE AVENUE
- **STREET 2:** SUITE 2050
- **CITY:** STONEHAM
- **STATE:** MA
- **ZIP:** 02180

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Financially in Tune LLC<br>**Address:** 92 MONTVALE AVENUE<br>SUITE 2050<br>STONEHAM, MA 02180

**Form 13F File Number:** 028-26713

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:** Philip Lee<br>**Title:** Chief Compliance Officer<br>**Phone:** (781) 587-0582

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

Philip Lee  Stoneham, MA  02-27-2026<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:** 71

**Form 13F Information Table Value Total:** $107143671

      (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 |
| ALLIANCEBERNSTEIN NATL MUN I | COM | 01864U106 |  | 233712 | 21600 | SH |  | SOLE |  | 0 | 0 | 21600 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 271371 | 867 | SH |  | SOLE |  | 0 | 0 | 867 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 402292 | 1282 | SH |  | SOLE |  | 0 | 0 | 1282 |
| AMAZON COM INC | COM | 023135106 |  | 505034 | 2188 | SH |  | SOLE |  | 0 | 0 | 2188 |
| APPLE INC | COM | 037833100 |  | 1683901 | 6194 | SH |  | SOLE |  | 0 | 0 | 6194 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1364695 | 2715 | SH |  | SOLE |  | 0 | 0 | 2715 |
| COHEN  STEERS ETF TRUST | REAL ESTATE ACTI | 19249U104 |  | 1580091 | 61930 | SH |  | SOLE |  | 0 | 0 | 61930 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 4531358 | 134302 | SH |  | SOLE |  | 0 | 0 | 134302 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 20834739 | 417530 | SH |  | SOLE |  | 0 | 0 | 417530 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 2333373 | 61405 | SH |  | SOLE |  | 0 | 0 | 61405 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 1430534 | 43494 | SH |  | SOLE |  | 0 | 0 | 43494 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 899702 | 26299 | SH |  | SOLE |  | 0 | 0 | 26299 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 33734H106 |  | 209987 | 4557 | SH |  | SOLE |  | 0 | 0 | 4557 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 336917109 |  | 235046 | 5301 | SH |  | SOLE |  | 0 | 0 | 5301 |
| FRANKLIN LTD DURATION INCOME | COM | 35472T101 |  | 509804 | 82895 | SH |  | SOLE |  | 0 | 0 | 82895 |
| FS CREDIT OPPORTUNITIES CORP | COMMON STOCK | 30290Y101 |  | 108896 | 17285 | SH |  | SOLE |  | 0 | 0 | 17285 |
| HOME DEPOT INC | COM | 437076102 |  | 465623 | 1353 | SH |  | SOLE |  | 0 | 0 | 1353 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 531697 | 1795 | SH |  | SOLE |  | 0 | 0 | 1795 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 2026566 | 98377 | SH |  | SOLE |  | 0 | 0 | 98377 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 527295 | 26712 | SH |  | SOLE |  | 0 | 0 | 26712 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 |  | 340782 | 18093 | SH |  | SOLE |  | 0 | 0 | 18093 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 262427 | 3904 | SH |  | SOLE |  | 0 | 0 | 3904 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1913274 | 28989 | SH |  | SOLE |  | 0 | 0 | 28989 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 557227 | 5860 | SH |  | SOLE |  | 0 | 0 | 5860 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 292553 | 4358 | SH |  | SOLE |  | 0 | 0 | 4358 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 3209673 | 23034 | SH |  | SOLE |  | 0 | 0 | 23034 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 325079 | 7070 | SH |  | SOLE |  | 0 | 0 | 7070 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 284663 | 5597 | SH |  | SOLE |  | 0 | 0 | 5597 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1276307 | 1863 | SH |  | SOLE |  | 0 | 0 | 1863 |
| ISHARES TR | ESG MSCI USA ETF | 46436E767 |  | 333676 | 5795 | SH |  | SOLE |  | 0 | 0 | 5795 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 230919 | 1550 | SH |  | SOLE |  | 0 | 0 | 1550 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 1153930 | 3090 | SH |  | SOLE |  | 0 | 0 | 3090 |
| ISHARES TR | EGSADVNCDMSCI EM | 46436E742 |  | 213115 | 4580 | SH |  | SOLE |  | 0 | 0 | 4580 |
| ISHARES TR | ESG EAFE ETF | 46436E759 |  | 432922 | 5760 | SH |  | SOLE |  | 0 | 0 | 5760 |
| J P MORGAN EXCHANGE TRADED F | CORE PLUS BD ETF | 46641Q670 |  | 9455900 | 199702 | SH |  | SOLE |  | 0 | 0 | 199702 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 7095110 | 123954 | SH |  | SOLE |  | 0 | 0 | 123954 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAN DIVER | 46641Q407 |  | 4853261 | 39156 | SH |  | SOLE |  | 0 | 0 | 39156 |
| J P MORGAN EXCHANGE TRADED F | DIV RTN INT EQ | 46641Q209 |  | 1253856 | 18401 | SH |  | SOLE |  | 0 | 0 | 18401 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 362842 | 6243 | SH |  | SOLE |  | 0 | 0 | 6243 |
| J P MORGAN EXCHANGE TRADED F | INTL HDGD EQT LA | 46654Q591 |  | 233617 | 4472 | SH |  | SOLE |  | 0 | 0 | 4472 |
| JOHN HANCOCK EXCHANGE TRADED | MULTI INTL ETF | 47804J859 |  | 1153911 | 27785 | SH |  | SOLE |  | 0 | 0 | 27785 |
| JOHN HANCOCK EXCHANGE TRADED | MULTFCTR EMRNG | 47804J834 |  | 278334 | 8460 | SH |  | SOLE |  | 0 | 0 | 8460 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTR SML | 47804J842 |  | 296407 | 7059 | SH |  | SOLE |  | 0 | 0 | 7059 |
| JOHN HANCOCK EXCHANGE TRADED | MLTFCTR LRG CAP | 47804J107 |  | 1047632 | 13120 | SH |  | SOLE |  | 0 | 0 | 13120 |
| JOHN HANCOCK EXCHANGE TRADED | MULTIFACTOR MI | 47804J206 |  | 274885 | 4198 | SH |  | SOLE |  | 0 | 0 | 4198 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 307398 | 954 | SH |  | SOLE |  | 0 | 0 | 954 |
| MERCK  CO INC | COM | 58933Y105 |  | 239045 | 2271 | SH |  | SOLE |  | 0 | 0 | 2271 |
| MICROSOFT CORP | COM | 594918104 |  | 1119919 | 2316 | SH |  | SOLE |  | 0 | 0 | 2316 |
| NYLI MACKAY DEFINEDTERM MUNI | COM | 56064K100 |  | 154871 | 10415 | SH |  | SOLE |  | 0 | 0 | 10415 |
| ORACLE CORP | COM | 68389X105 |  | 321991 | 1652 | SH |  | SOLE |  | 0 | 0 | 1652 |
| PIMCO CALIF MUN INCOME FD | COM | 72200N106 |  | 261725 | 29980 | SH |  | SOLE |  | 0 | 0 | 29980 |
| RIVERNORTH FLEXIBLE MUNI INC | COM | 76883Y107 |  | 217879 | 17210 | SH |  | SOLE |  | 0 | 0 | 17210 |
| RTX CORPORATION | COM | 75513E101 |  | 243188 | 1326 | SH |  | SOLE |  | 0 | 0 | 1326 |
| S GLOBAL INC | COM | 78409V104 |  | 993685 | 1901 | SH |  | SOLE |  | 0 | 0 | 1901 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1440767 | 47914 | SH |  | SOLE |  | 0 | 0 | 47914 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 851699 | 23711 | SH |  | SOLE |  | 0 | 0 | 23711 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 349143 | 512 | SH |  | SOLE |  | 0 | 0 | 512 |
| T ROWE PRICE ETF INC | FLOATING RATE | 87283Q883 |  | 1444047 | 28092 | SH |  | SOLE |  | 0 | 0 | 28092 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1940208 | 9161 | SH |  | SOLE |  | 0 | 0 | 9161 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 378159 | 603 | SH |  | SOLE |  | 0 | 0 | 603 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 246823 | 506 | SH |  | SOLE |  | 0 | 0 | 506 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 352908 | 1216 | SH |  | SOLE |  | 0 | 0 | 1216 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 494757 | 1476 | SH |  | SOLE |  | 0 | 0 | 1476 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 2226108 | 30262 | SH |  | SOLE |  | 0 | 0 | 30262 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1276271 | 23740 | SH |  | SOLE |  | 0 | 0 | 23740 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 262581 | 1832 | SH |  | SOLE |  | 0 | 0 | 1832 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 314272 | 3753 | SH |  | SOLE |  | 0 | 0 | 3753 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 2155398 | 9807 | SH |  | SOLE |  | 0 | 0 | 9807 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 8049434 | 56086 | SH |  | SOLE |  | 0 | 0 | 56086 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 516150 | 5735 | SH |  | SOLE |  | 0 | 0 | 5735 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 3167227 | 62942 | SH |  | SOLE |  | 0 | 0 | 62942 |

---