# EDGAR Filing Document

**Accession Number:** 0002094426
**File Stem:** 0001754960-25-000754
**Filing Date:** 2025-11
**Character Count:** 9178
**Document Hash:** 5223e542346e10dd6393abe434ab832d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-25-000754.hdr.sgml**: 20251105

**ACCESSION NUMBER**: 0001754960-25-000754

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251105

**DATE AS OF CHANGE**: 20251104

**EFFECTIVENESS DATE**: 20251105

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Payne Capital LLC
- **CENTRAL INDEX KEY:** 0002094426

**ORGANIZATION NAME:**
- **EIN:** 333686608
- **STATE OF INCORPORATION:** OR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25817
- **FILM NUMBER:** 251451506

**BUSINESS ADDRESS:**
- **STREET 1:** 444 10TH ST
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97034
- **BUSINESS PHONE:** 971-453-0130

**MAIL ADDRESS:**
- **STREET 1:** 444 10TH ST
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97034

### 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:** Payne Capital LLC<br>**Address:** 444 10TH ST<br>LAKE OSWEGO, OR 97034

**Form 13F File Number:** 028-25817

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:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

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

Aryn Sands  Reno, NV  11-04-2025<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:** 55

**Form 13F Information Table Value Total:** $98606140

      (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 |
| ALPS ETF TR | INTL SEC DV DOG | 00162Q718 |  | 2185021 | 61377 | SH |  | SOLE |  | 0 | 0 | 61377 |
| ABBOTT LABS | COM | 002824100 |  | 535760 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| ABBVIE INC | COM | 00287Y109 |  | 306559 | 1324 | SH |  | SOLE |  | 0 | 0 | 1324 |
| AMAZON COM INC | COM | 023135106 |  | 250310 | 1140 | SH |  | SOLE |  | 0 | 0 | 1140 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 2377573 | 30134 | SH |  | SOLE |  | 0 | 0 | 30134 |
| AMGEN INC | COM | 031162100 |  | 507960 | 1800 | SH |  | SOLE |  | 0 | 0 | 1800 |
| APPLE INC | COM | 037833100 |  | 3011087 | 11825 | SH |  | SOLE |  | 0 | 0 | 11825 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 754200 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 728973 | 1450 | SH |  | SOLE |  | 0 | 0 | 1450 |
| BLACKROCK ETF TRUST II | ISHARES FLEXIBLE | 092528603 |  | 225631 | 4238 | SH |  | SOLE |  | 0 | 0 | 4238 |
| BLACKROCK ETF TRUST | ISHARES US EQUIT | 09290C103 |  | 6160293 | 104059 | SH |  | SOLE |  | 0 | 0 | 104059 |
| CISCO SYS INC | COM | 17275R102 |  | 224486 | 3281 | SH |  | SOLE |  | 0 | 0 | 3281 |
| FIDELITY COVINGTON TRUST | EMERG MKTS MLTFT | 316092543 |  | 1098221 | 36510 | SH |  | SOLE |  | 0 | 0 | 36510 |
| FIRST TR EXCHNG TRADED FD VI | SMITH UNCONSTRAI | 33740F888 |  | 222867 | 8848 | SH |  | SOLE |  | 0 | 0 | 8848 |
| INTEL CORP | COM | 458140100 |  | 286490 | 8539 | SH |  | SOLE |  | 0 | 0 | 8539 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 3970647 | 32799 | SH |  | SOLE |  | 0 | 0 | 32799 |
| ISHARES TR | CORE S ETF | 464287200 |  | 717490 | 1072 | SH |  | SOLE |  | 0 | 0 | 1072 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 866559 | 1850 | SH |  | SOLE |  | 0 | 0 | 1850 |
| ISHARES TR | MBS ETF | 464288588 |  | 1855140 | 19497 | SH |  | SOLE |  | 0 | 0 | 19497 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 945547 | 17481 | SH |  | SOLE |  | 0 | 0 | 17481 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 976519 | 20906 | SH |  | SOLE |  | 0 | 0 | 20906 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 444371 | 3052 | SH |  | SOLE |  | 0 | 0 | 3052 |
| LAZARD ACTIVE ETF TR | INTL DYNAMIC EQT | 52110K400 |  | 2226297 | 78529 | SH |  | SOLE |  | 0 | 0 | 78529 |
| MERCK  CO INC | COM | 58933Y105 |  | 884622 | 10540 | SH |  | SOLE |  | 0 | 0 | 10540 |
| MICROSOFT CORP | COM | 594918104 |  | 8222913 | 15876 | SH |  | SOLE |  | 0 | 0 | 15876 |
| NETFLIX INC | COM | 64110L106 |  | 531122 | 443 | SH |  | SOLE |  | 0 | 0 | 443 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 641200 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| SHELL PLC | SPON ADS | 780259305 |  | 715300 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| SPDR SERIES TRUST | PORTFOLIO INTRMD | 78464A375 |  | 3331455 | 98302 | SH |  | SOLE |  | 0 | 0 | 98302 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 604901 | 23400 | SH |  | SOLE |  | 0 | 0 | 23400 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 2906582 | 110349 | SH |  | SOLE |  | 0 | 0 | 110349 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 1878829 | 58879 | SH |  | SOLE |  | 0 | 0 | 58879 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 473507 | 16266 | SH |  | SOLE |  | 0 | 0 | 16266 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 841313 | 28384 | SH |  | SOLE |  | 0 | 0 | 28384 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 1478355 | 44302 | SH |  | SOLE |  | 0 | 0 | 44302 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 6353817 | 241590 | SH |  | SOLE |  | 0 | 0 | 241590 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 467240 | 17115 | SH |  | SOLE |  | 0 | 0 | 17115 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 3356071 | 144161 | SH |  | SOLE |  | 0 | 0 | 144161 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 527887 | 22492 | SH |  | SOLE |  | 0 | 0 | 22492 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 8077410 | 321425 | SH |  | SOLE |  | 0 | 0 | 321425 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 243848 | 3050 | SH |  | SOLE |  | 0 | 0 | 3050 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 296400 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| VANECK ETF TRUST | GOLD MINERS ETF | 92189F106 |  | 1489418 | 19495 | SH |  | SOLE |  | 0 | 0 | 19495 |
| VANECK ETF TRUST | JUNIOR GOLD MINE | 92189F791 |  | 1578736 | 15942 | SH |  | SOLE |  | 0 | 0 | 15942 |
| VANGUARD WELLINGTON FD | US MOMENTUM | 921935508 |  | 2695749 | 14070 | SH |  | SOLE |  | 0 | 0 | 14070 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 5918631 | 41991 | SH |  | SOLE |  | 0 | 0 | 41991 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 2944706 | 58900 | SH |  | SOLE |  | 0 | 0 | 58900 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 1018530 | 20593 | SH |  | SOLE |  | 0 | 0 | 20593 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 316107 | 1479 | SH |  | SOLE |  | 0 | 0 | 1479 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 2985956 | 37418 | SH |  | SOLE |  | 0 | 0 | 37418 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 2876057 | 34194 | SH |  | SOLE |  | 0 | 0 | 34194 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 498600 | 2856 | SH |  | SOLE |  | 0 | 0 | 2856 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1760469 | 8435 | SH |  | SOLE |  | 0 | 0 | 8435 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1281000 | 4361 | SH |  | SOLE |  | 0 | 0 | 4361 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 531408 | 1108 | SH |  | SOLE |  | 0 | 0 | 1108 |

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