# EDGAR Filing Document

**Accession Number:** 0001899158
**File Stem:** 0001085146-23-000772
**Filing Date:** 2023-2
**Character Count:** 10115
**Document Hash:** 539441b81acb8ed0f3846646906e1cda
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000772.hdr.sgml**: 20230208

**ACCESSION NUMBER**: 0001085146-23-000772

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230208

**DATE AS OF CHANGE**: 20230207

**EFFECTIVENESS DATE**: 20230208

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** THEORY FINANCIAL LLC
- **CENTRAL INDEX KEY:** 0001899158
- **IRS NUMBER:** 834483794
- **STATE OF INCORPORATION:** WA

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22168
- **FILM NUMBER:** 23596777

**BUSINESS ADDRESS:**
- **STREET 1:** 2580 HARMONY ROAD
- **STREET 2:** SUITE 201
- **CITY:** FORT COLLINS
- **STATE:** CO
- **ZIP:** 80528
- **BUSINESS PHONE:** 9703054649

**MAIL ADDRESS:**
- **STREET 1:** 2580 HARMONY ROAD
- **STREET 2:** SUITE 201
- **CITY:** FORT COLLINS
- **STATE:** CO
- **ZIP:** 80528

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** THEORY FINANCIAL LLC<br>**Address:** 2580 HARMONY ROAD<br>SUITE 201<br>FORT COLLINS, CO 80528

**Form 13F File Number:** 028-22168

**CRD Number (if applicable):** 000304084

**SEC File Number (if applicable):** 801-122366

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:** Ryan Charles Stout<br>**Title:** Managing Member and Chief Compliance Officer<br>**Phone:** 970-505-4649

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

/s/Ryan Charles Stout  Fort Collins, CO  02-07-2023<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:** 56

**Form 13F Information Table Value Total:** $151002312

      (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 |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 410724 | 3741 | SH |  | SOLE |  | 3741 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 684580 | 4236 | SH |  | SOLE |  | 4236 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 473340 | 5635 | SH |  | SOLE |  | 5635 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 732935 | 5641 | SH |  | SOLE |  | 5641 | 0 | 0 |
| DBX ETF TR | XTRACK USD HIGH | 233051432 | BBG00FGWY4G5 | 531506 | 15767 | SH |  | SOLE |  | 15767 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 405353 | 3675 | SH |  | SOLE |  | 3675 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | NASDQ FOD BVRG | 33738R852 | BBG00DVWC7S7 | 3289821 | 121620 | SH |  | SOLE |  | 121620 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | RBA INDL ETF | 33738R704 | BBG0063G4FX3 | 3611001 | 81845 | SH |  | SOLE |  | 81845 | 0 | 0 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 | BBG007HL81B6 | 3004641 | 203291 | SH |  | SOLE |  | 203291 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S SMLCP INFO | 46138E115 | BBG001T7V3J9 | 3373856 | 28153 | SH |  | SOLE |  | 28153 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | DWA TECHNOLOGY | 46137V811 | BBG001SRNLG8 | 3051470 | 26909 | SH |  | SOLE |  | 26909 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S SML600 VAL | 46137V167 | BBG00KJR31G2 | 3417247 | 38665 | SH |  | SOLE |  | 38665 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | WATER RES ETF | 46137V142 | BBG001SPPQG9 | 3469209 | 67311 | SH |  | SOLE |  | 67311 | 0 | 0 |
| ISHARES GOLD TR | SHARES REPRESENT | 46436F103 | BBG011K3SP01 | 3427759 | 188235 | SH |  | SOLE |  | 188235 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 | BBG006MJFZK4 | 3446750 | 68935 | SH |  | SOLE |  | 68935 | 0 | 0 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 | BBG001V0XLT8 | 3423242 | 32840 | SH |  | SOLE |  | 32840 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 330036 | 859 | SH |  | SOLE |  | 859 | 0 | 0 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 | BBG001V1QYX1 | 6063456 | 120474 | SH |  | SOLE |  | 120474 | 0 | 0 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 | BBG001SJ8F58 | 3449178 | 9912 | SH |  | SOLE |  | 9912 | 0 | 0 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 | BBG001SSD849 | 4238452 | 85608 | SH |  | SOLE |  | 85608 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 208276 | 3173 | SH |  | SOLE |  | 3173 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 1043382 | 9888 | SH |  | SOLE |  | 9888 | 0 | 0 |
| ISHARES TR | NORTH AMERN NAT | 464287374 | BBG001SJKDG7 | 3399989 | 83620 | SH |  | SOLE |  | 83620 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 230094 | 1074 | SH |  | SOLE |  | 1074 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 876447 | 14982 | SH |  | SOLE |  | 14982 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 963872 | 9244 | SH |  | SOLE |  | 9244 | 0 | 0 |
| LILLY ELI  CO | COM | 532457108 | BBG001S5STL8 | 671682 | 1836 | SH |  | SOLE |  | 1836 | 0 | 0 |
| LISTED FD TR | HORIZON KINETICS | 53656F623 | BBG00YV34KZ7 | 3511972 | 111562 | SH |  | SOLE |  | 111562 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 441509 | 1841 | SH |  | SOLE |  | 1841 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 299957 | 3588 | SH |  | SOLE |  | 3588 | 0 | 0 |
| PDC ENERGY INC | COM | 69327R101 | BBG001S5V439 | 507840 | 8000 | SH |  | SOLE |  | 8000 | 0 | 0 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 487059 | 2696 | SH |  | SOLE |  | 2696 | 0 | 0 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 306979 | 5991 | SH |  | SOLE |  | 5991 | 0 | 0 |
| PROSHARES TR | RUSS 2000 DIVD | 74347B698 | BBG0081VG5Y6 | 3416652 | 55673 | SH |  | SOLE |  | 55673 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 | BBG0051J0PJ9 | 760665 | 14234 | SH |  | SOLE |  | 14234 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 | BBG0051K49J8 | 632999 | 21775 | SH |  | SOLE |  | 21775 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 22646052 | 496080 | SH |  | SOLE |  | 496080 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 3512383 | 46497 | SH |  | SOLE |  | 46497 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 1857209 | 28131 | SH |  | SOLE |  | 28131 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 283004 | 14671 | SH |  | SOLE |  | 14671 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | BBG001T9F777 | 6438844 | 124326 | SH |  | SOLE |  | 124326 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 | BBG001S7T1S7 | 3535188 | 40416 | SH |  | SOLE |  | 40416 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | BBG001SRXRJ1 | 883545 | 29759 | SH |  | SOLE |  | 29759 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 1024912 | 2680 | SH |  | SOLE |  | 2680 | 0 | 0 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 | BBG0029J2KF1 | 8637966 | 298995 | SH |  | SOLE |  | 298995 | 0 | 0 |
| SPDR SER TR | S OILGAS EXP | 78468R556 | BBG001SB12P9 | 2958243 | 21771 | SH |  | SOLE |  | 21771 | 0 | 0 |
| SPDR SER TR | S REGL BKG | 78464A698 | BBG001SMH2R6 | 3021586 | 51440 | SH |  | SOLE |  | 51440 | 0 | 0 |
| SPDR SER TR | S SEMICNDCTR | 78464A862 | BBG001SQDKJ0 | 3454637 | 20658 | SH |  | SOLE |  | 20658 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 537581 | 3086 | SH |  | SOLE |  | 3086 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 3550292 | 22357 | SH |  | SOLE |  | 22357 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 3768935 | 26850 | SH |  | SOLE |  | 26850 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | BBG001T62M92 | 2789262 | 47696 | SH |  | SOLE |  | 47696 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 3435303 | 22623 | SH |  | SOLE |  | 22623 | 0 | 0 |
| VANGUARD WORLD FDS | FINANCIALS ETF | 92204A405 | BBG001SHTTM0 | 3379438 | 40849 | SH |  | SOLE |  | 40849 | 0 | 0 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 | BBG001SHTTR5 | 3294394 | 10313 | SH |  | SOLE |  | 10313 | 0 | 0 |
| WISDOMTREE TR | US MIDCAP FUND | 97717W570 | BBG001SSZB66 | 3399608 | 69922 | SH |  | SOLE |  | 69922 | 0 | 0 |

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