# EDGAR Filing Document

**Accession Number:** 0001927175
**File Stem:** 0001927175-25-000007
**Filing Date:** 2025-10
**Character Count:** 16347
**Document Hash:** c9cdb7016c20ee000484d19f2537395a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001927175-25-000007.hdr.sgml**: 20251020

**ACCESSION NUMBER**: 0001927175-25-000007

**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:** WARNER FINANCIAL, INC
- **CENTRAL INDEX KEY:** 0001927175

**ORGANIZATION NAME:**
- **EIN:** 202676231
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22455
- **FILM NUMBER:** 251402996

**BUSINESS ADDRESS:**
- **STREET 1:** 4550 MONTGOMERY AVE
- **STREET 2:** SUITE 352 NORTH
- **CITY:** BETHESDA
- **STATE:** MD
- **ZIP:** 20814
- **BUSINESS PHONE:** 301-961-9505

**MAIL ADDRESS:**
- **STREET 1:** 4550 MONTGOMERY AVE
- **STREET 2:** SUITE 352 NORTH
- **CITY:** BETHESDA
- **STATE:** MD
- **ZIP:** 20814

### 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:** WARNER FINANCIAL INC<br>**Address:** 4550 MONTGOMERY AVE<br>SUITE 352 NORTH<br>BETHESDA, MD 20814

**Form 13F File Number:** 028-22455

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:** Christopher Warner<br>**Title:** Vice President<br>**Phone:** 3019619505

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

Christopher Warner  Bethesda, MD  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:** 124

**Form 13F Information Table Value Total:** $267767

      (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 |
| Amazon | Stock | 023135106 |  | 1234 | 5622 | SH |  | SOLE |  | 0 | 0 | 5622 |
| Invesco QQQ ETF | ETF | 46090E103 |  | 9149 | 15238 | SH |  | SOLE |  | 0 | 0 | 15238 |
| Technology Select Sector SPDR ETF | ETF | 81369Y803 |  | 956 | 3393 | SH |  | SOLE |  | 0 | 0 | 3393 |
| Johnson  Johnson Co | Stock | 478160104 |  | 410 | 2211 | SH |  | SOLE |  | 0 | 0 | 2211 |
| Vanguard Total Stock Market Index ETF | ETF | 922908769 |  | 1042 | 3174 | SH |  | SOLE |  | 0 | 0 | 3174 |
| Vanguard Extended Market Index ETF | ETF | 922908652 |  | 3008 | 14367 | SH |  | SOLE |  | 0 | 0 | 14367 |
| Vanguard Energy Index ETF | ETF | 92204A306 |  | 234 | 1863 | SH |  | SOLE |  | 0 | 0 | 1863 |
| Vanguard International Dividend Appreciation ETF | ETF | 921946810 |  | 1042 | 11638 | SH |  | SOLE |  | 0 | 0 | 11638 |
| Procter  Gamble Co | Stock | 742718109 |  | 426 | 2770 | SH |  | SOLE |  | 0 | 0 | 2770 |
| Coca Cola Co | Stock | 191216100 |  | 240 | 3613 | SH |  | SOLE |  | 0 | 0 | 3613 |
| Vanguard REIT ETF | ETF | 922908553 |  | 1109 | 12129 | SH |  | SOLE |  | 0 | 0 | 12129 |
| iShares MSCI USA ESG Select ETF | ETF | 464288802 |  | 503 | 3705 | SH |  | SOLE |  | 0 | 0 | 3705 |
| SPDR Dow Jones Industrial Average ETF | ETF | 78467X109 |  | 500 | 1079 | SH |  | SOLE |  | 0 | 0 | 1079 |
| iShares MSCI EAFE ESG Select ETF | ETF | 46435G516 |  | 377 | 4056 | SH |  | SOLE |  | 0 | 0 | 4056 |
| iShares Short-Term National Muni Bond ETF | ETF | 464288158 |  | 404 | 3784 | SH |  | SOLE |  | 0 | 0 | 3784 |
| SPDR S 500 ETF | ETF | 78462F103 |  | 3423 | 5138 | SH |  | SOLE |  | 0 | 0 | 5138 |
| Bank of New York Mellon Corp | Stock | 064058100 |  | 657 | 6033 | SH |  | SOLE |  | 0 | 0 | 6033 |
| Vanguard FTSE All-World Ex-US Small Cap ETF | ETF | 922042718 |  | 831 | 5832 | SH |  | SOLE |  | 0 | 0 | 5832 |
| Pepsico | Stock | 713448108 |  | 232 | 1651 | SH |  | SOLE |  | 0 | 0 | 1651 |
| iShares 1-3 Year Treasury Bond ETF | ETF | 464287457 |  | 282 | 3395 | SH |  | SOLE |  | 0 | 0 | 3395 |
| Nuveen ESG Large-Cap Growth ETF | ETF | 67092P201 |  | 264 | 2653 | SH |  | SOLE |  | 0 | 0 | 2653 |
| Global X U.S. Infrastructure Development ETF | ETF | 37954Y673 |  | 277 | 5825 | SH |  | SOLE |  | 0 | 0 | 5825 |
| Honeywell International Inc | Stock | 438516106 |  | 302 | 1437 | SH |  | SOLE |  | 0 | 0 | 1437 |
| Schwab US Small Cap ETF | ETF | 808524607 |  | 763 | 27347 | SH |  | SOLE |  | 0 | 0 | 27347 |
| iShares Russell 1000 Growth ETF | ETF | 464287614 |  | 840 | 1793 | SH |  | SOLE |  | 0 | 0 | 1793 |
| Schwab International Equity ETF | ETF | 808524805 |  | 5500 | 236259 | SH |  | SOLE |  | 0 | 0 | 236259 |
| Schwab U.S. Large Cap ETF | ETF | 808524201 |  | 305 | 11591 | SH |  | SOLE |  | 0 | 0 | 11591 |
| SPDR Consumer Staples ETF | ETF | 81369Y308 |  | 267 | 3413 | SH |  | SOLE |  | 0 | 0 | 3413 |
| Schwab US Large Cap Growth ETF | ETF | 808524300 |  | 9437 | 295751 | SH |  | SOLE |  | 0 | 0 | 295751 |
| Berkshire Hathaway B | Stock | 084670702 |  | 981 | 1951 | SH |  | SOLE |  | 0 | 0 | 1951 |
| Schwab Emerging Markets Equity ETF | ETF | 808524706 |  | 308 | 9224 | SH |  | SOLE |  | 0 | 0 | 9224 |
| iShares U.S. Infrastructure ETF | ETF | 46435U713 |  | 1606 | 30404 | SH |  | SOLE |  | 0 | 0 | 30404 |
| Microsoft Corp | Stock | 594918104 |  | 1472 | 2842 | SH |  | SOLE |  | 0 | 0 | 2842 |
| Vanguard Intermediate-Term Government Treasury ETF | ETF | 92206C706 |  | 352 | 5859 | SH |  | SOLE |  | 0 | 0 | 5859 |
| Vanguard ESG International Stock ETF | ETF | 921910725 |  | 584 | 8418 | SH |  | SOLE |  | 0 | 0 | 8418 |
| Vanguard ESG U.S. Stock ETF | ETF | 921910733 |  | 267 | 2251 | SH |  | SOLE |  | 0 | 0 | 2251 |
| Vanguard Small Cap Index ETF | ETF | 922908751 |  | 4498 | 17687 | SH |  | SOLE |  | 0 | 0 | 17687 |
| Vanguard Mid Cap Index ETF | ETF | 922908629 |  | 9102 | 30988 | SH |  | SOLE |  | 0 | 0 | 30988 |
| Vanguard Health Care Index ETF | ETF | 92204A504 |  | 870 | 3352 | SH |  | SOLE |  | 0 | 0 | 3352 |
| Financial Select Sector SPDR Fund | ETF | 81369Y605 |  | 4094 | 76001 | SH |  | SOLE |  | 0 | 0 | 76001 |
| OGE Energy Corp | Stock | 670837103 |  | 292 | 6315 | SH |  | SOLE |  | 0 | 0 | 6315 |
| Vanguard FTSE Europe ETF | ETF | 922042874 |  | 387 | 4847 | SH |  | SOLE |  | 0 | 0 | 4847 |
| Vanguard Information Technology ETF | ETF | 92204A702 |  | 214 | 286 | SH |  | SOLE |  | 0 | 0 | 286 |
| Schwab US Large Cap Value ETF | ETF | 808524409 |  | 4133 | 141973 | SH |  | SOLE |  | 0 | 0 | 141973 |
| Vanguard S 500 ETF | ETF | 922908363 |  | 7571 | 12363 | SH |  | SOLE |  | 0 | 0 | 12363 |
| Vanguard Communication Services ETF | ETF | 92204A884 |  | 633 | 3372 | SH |  | SOLE |  | 0 | 0 | 3372 |
| SPDR S Mid Cap 400 ETF | ETF | 78467Y107 |  | 896 | 1503 | SH |  | SOLE |  | 0 | 0 | 1503 |
| iShares Cybersecurity and Tech ETF | ETF | 46435U135 |  | 353 | 6747 | SH |  | SOLE |  | 0 | 0 | 6747 |
| Eli Lilly  Co | Stock | 532457108 |  | 857 | 1123 | SH |  | SOLE |  | 0 | 0 | 1123 |
| Schwab US Mid Cap ETF | ETF | 808524508 |  | 1528 | 51556 | SH |  | SOLE |  | 0 | 0 | 51556 |
| Vanguard Total International Stock ETF | ETF | 921909768 |  | 5283 | 71923 | SH |  | SOLE |  | 0 | 0 | 71923 |
| iShares Russell 2000 ETF | ETF | 464287655 |  | 460 | 1901 | SH |  | SOLE |  | 0 | 0 | 1901 |
| FVCBankcorp Inc. | Stock | 36120Q101 |  | 142 | 10984 | SH |  | SOLE |  | 0 | 0 | 10984 |
| iShares U.S. Aerospace  Defense ETF | ETF | 464288760 |  | 1127 | 5386 | SH |  | SOLE |  | 0 | 0 | 5386 |
| iShares Select Dividend ETF | ETF | 464287168 |  | 873 | 6146 | SH |  | SOLE |  | 0 | 0 | 6146 |
| Vanguard Small Cap Value Index ETF | ETF | 922908611 |  | 3537 | 16947 | SH |  | SOLE |  | 0 | 0 | 16947 |
| iShares ESG Advanced MSCI EAFE ETF | ETF | 46436E759 |  | 1061 | 14007 | SH |  | SOLE |  | 0 | 0 | 14007 |
| iShares ESG Advanced MSCI USA ETF | ETF | 46436E767 |  | 266 | 4640 | SH |  | SOLE |  | 0 | 0 | 4640 |
| iShares MSCI EAFE Value ETF | ETF | 464288877 |  | 3036 | 44765 | SH |  | SOLE |  | 0 | 0 | 44765 |
| Vanguard Mid Cap Growth ETF | ETF | 922908538 |  | 1445 | 4919 | SH |  | SOLE |  | 0 | 0 | 4919 |
| Schwab US Dividend Equity ETF | ETF | 808524797 |  | 3114 | 114066 | SH |  | SOLE |  | 0 | 0 | 114066 |
| VanEck Pharmaceuticals ETF | ETF | 92189F692 |  | 422 | 4668 | SH |  | SOLE |  | 0 | 0 | 4668 |
| iShares Edge MSCI Min Vol EAFE ETF | ETF | 46429B689 |  | 227 | 2676 | SH |  | SOLE |  | 0 | 0 | 2676 |
| iShares Edge MSCI Min Vol USA ETF | ETF | 46429B697 |  | 523 | 5501 | SH |  | SOLE |  | 0 | 0 | 5501 |
| NASDAQ 100 Equal-Weighted ETF | ETF | 25459Y207 |  | 1572 | 15468 | SH |  | SOLE |  | 0 | 0 | 15468 |
| Vanguard Small Cap Growth Index ETF | ETF | 922908595 |  | 3803 | 12780 | SH |  | SOLE |  | 0 | 0 | 12780 |
| Vanguard Large Cap Value Index ETF | ETF | 922908744 |  | 30575 | 163950 | SH |  | SOLE |  | 0 | 0 | 163950 |
| Vanguard Large Cap Growth Index ETF | ETF | 922908736 |  | 30488 | 63569 | SH |  | SOLE |  | 0 | 0 | 63569 |
| Capital Group Growth ETF | ETF | 14020G101 |  | 1873 | 42649 | SH |  | SOLE |  | 0 | 0 | 42649 |
| Capital Group Dividend Value ETF | ETF | 14020W106 |  | 674 | 16033 | SH |  | SOLE |  | 0 | 0 | 16033 |
| VanEck Morningstar Wide Moat ETF | ETF | 92189F643 |  | 1107 | 11173 | SH |  | SOLE |  | 0 | 0 | 11173 |
| US Treasury 3 Month Bill ETF | ETF | 74933W452 |  | 695 | 13905 | SH |  | SOLE |  | 0 | 0 | 13905 |
| iShares Core MSCI EAFE ETF | ETF | 46432F842 |  | 2066 | 23667 | SH |  | SOLE |  | 0 | 0 | 23667 |
| Dimensional US Large Cap Value ETF | ETF | 25434V666 |  | 418 | 12716 | SH |  | SOLE |  | 0 | 0 | 12716 |
| Nvidia | Stock | 67066G104 |  | 543 | 2911 | SH |  | SOLE |  | 0 | 0 | 2911 |
| iShares Paris-Aligned Climate MSCI USA ETF | ETF | 46436E411 |  | 258 | 3593 | SH |  | SOLE |  | 0 | 0 | 3593 |
| Vanguard Total Bond Market ETF | ETF | 921937835 |  | 3031 | 40755 | SH |  | SOLE |  | 0 | 0 | 40755 |
| Vanguard FTSE All-World Ex-US ETF | ETF | 922042775 |  | 1814 | 25419 | SH |  | SOLE |  | 0 | 0 | 25419 |
| T. Rowe Price Capital Appreciation Equity ETF | ETF | 87283Q867 |  | 1311 | 34770 | SH |  | SOLE |  | 0 | 0 | 34770 |
| iShares Russell 2000 Growth ETF | ETF | 464287648 |  | 264 | 824 | SH |  | SOLE |  | 0 | 0 | 824 |
| Capital Group Core Balanced ETF | ETF | 14021D107 |  | 377 | 10848 | SH |  | SOLE |  | 0 | 0 | 10848 |
| McDonald's | Stock | 580135101 |  | 370 | 1218 | SH |  | SOLE |  | 0 | 0 | 1218 |
| Fidelity Enhanced International ETF | ETF | 31609A404 |  | 2279 | 64610 | SH |  | SOLE |  | 0 | 0 | 64610 |
| Capital One | Stock | 14040H105 |  | 431 | 2028 | SH |  | SOLE |  | 0 | 0 | 2028 |
| iShares Biotechnology ETF | ETF | 464287556 |  | 343 | 2379 | SH |  | SOLE |  | 0 | 0 | 2379 |
| Schwab Fundamental US Small Company Index ETF | ETF | 808524763 |  | 569 | 18246 | SH |  | SOLE |  | 0 | 0 | 18246 |
| Schwab Fundamental U.S. Large Cap ETF | ETF | 808524771 |  | 2991 | 113713 | SH |  | SOLE |  | 0 | 0 | 113713 |
| iShares Edge MSCI USA Quality Factor ETF | ETF | 46432F339 |  | 5127 | 26361 | SH |  | SOLE |  | 0 | 0 | 26361 |
| iShares S Small Cap 600 Growth ETF | ETF | 464287887 |  | 317 | 2242 | SH |  | SOLE |  | 0 | 0 | 2242 |
| iShares U.S. Technology ETF | ETF | 464287721 |  | 845 | 4313 | SH |  | SOLE |  | 0 | 0 | 4313 |
| Schwab Fundamental Emerging Markets ETF | ETF | 808524730 |  | 378 | 10441 | SH |  | SOLE |  | 0 | 0 | 10441 |
| Schwab Fundamental Intl Large Cap ETF | ETF | 808524755 |  | 1130 | 26312 | SH |  | SOLE |  | 0 | 0 | 26312 |
| Fidelity MSCI Health Care Index ETF | ETF | 316092600 |  | 360 | 5390 | SH |  | SOLE |  | 0 | 0 | 5390 |
| iShares Core S 500 ETF | ETF | 464287200 |  | 3298 | 4927 | SH |  | SOLE |  | 0 | 0 | 4927 |
| iShares U.S. Preferred Stock ETF | ETF | 464288687 |  | 202 | 6375 | SH |  | SOLE |  | 0 | 0 | 6375 |
| Vanguard Mid Cap Value ETF | ETF | 922908512 |  | 1091 | 6248 | SH |  | SOLE |  | 0 | 0 | 6248 |
| Lockheed Martin | Stock | 539830109 |  | 473 | 948 | SH |  | SOLE |  | 0 | 0 | 948 |
| JP Morgan Chase  Co | Stock | 46625H100 |  | 349 | 1106 | SH |  | SOLE |  | 0 | 0 | 1106 |
| SPDR Portfolio Emerging Markets ETF | ETF | 78463X509 |  | 540 | 11544 | SH |  | SOLE |  | 0 | 0 | 11544 |
| Vanguard FTSE Developed Markets ETF | ETF | 921943858 |  | 17530 | 292561 | SH |  | SOLE |  | 0 | 0 | 292561 |
| SPDR S Dividend ETF | ETF | 78464A763 |  | 1282 | 9156 | SH |  | SOLE |  | 0 | 0 | 9156 |
| Walmart Inc | Stock | 931142103 |  | 308 | 2984 | SH |  | SOLE |  | 0 | 0 | 2984 |
| iShares 3-7 Year Treasury Bond ETF | ETF | 464288661 |  | 1991 | 16656 | SH |  | SOLE |  | 0 | 0 | 16656 |
| International Business Machines | Stock | 459200101 |  | 2174 | 7706 | SH |  | SOLE |  | 0 | 0 | 7706 |
| Vanguard FTSE Emerging Markets ETF | ETF | 922042858 |  | 5129 | 94667 | SH |  | SOLE |  | 0 | 0 | 94667 |
| Texas Instruments Inc | Stock | 882508104 |  | 392 | 2131 | SH |  | SOLE |  | 0 | 0 | 2131 |
| Vanguard High Dividend Yield ETF | ETF | 921946406 |  | 3332 | 23638 | SH |  | SOLE |  | 0 | 0 | 23638 |
| Pfizer Inc | Stock | 717081103 |  | 502 | 19719 | SH |  | SOLE |  | 0 | 0 | 19719 |
| iShares MSCI USA Value Factor ETF | ETF | 46432F388 |  | 1462 | 11690 | SH |  | SOLE |  | 0 | 0 | 11690 |
| Vanguard Dividend Appreciation Index ETF | ETF | 921908844 |  | 9010 | 41756 | SH |  | SOLE |  | 0 | 0 | 41756 |
| iShares 7-10 Year Treasury Bond ETF | ETF | 464287440 |  | 4027 | 41746 | SH |  | SOLE |  | 0 | 0 | 41746 |
| iShares Core U.S. Aggregate Bond ETF | ETF | 464287226 |  | 680 | 6778 | SH |  | SOLE |  | 0 | 0 | 6778 |
| iShares Core Dividend Growth ETF | ETF | 46434V621 |  | 923 | 13552 | SH |  | SOLE |  | 0 | 0 | 13552 |
| iShares S Small Cap 600 Value ETF | ETF | 464287879 |  | 299 | 2705 | SH |  | SOLE |  | 0 | 0 | 2705 |
| SPDR Portfolio S 500 Growth ETF | ETF | 78464A409 |  | 318 | 3040 | SH |  | SOLE |  | 0 | 0 | 3040 |
| Philip Morris Intl Inc | Stock | 718172109 |  | 377 | 2322 | SH |  | SOLE |  | 0 | 0 | 2322 |
| Vanguard Mega Cap ETF | ETF | 921910873 |  | 254 | 1040 | SH |  | SOLE |  | 0 | 0 | 1040 |
| Altria Group Inc | Stock | 02209S103 |  | 215 | 3250 | SH |  | SOLE |  | 0 | 0 | 3250 |
| Dominion Energy Inc | Stock | 25746U109 |  | 356 | 5828 | SH |  | SOLE |  | 0 | 0 | 5828 |
| Exxon Mobil Corp | Stock | 30231G102 |  | 417 | 3698 | SH |  | SOLE |  | 0 | 0 | 3698 |
| iShares Edge MSCI International Quality Factor ETF | ETF | 46434V456 |  | 3755 | 84979 | SH |  | SOLE |  | 0 | 0 | 84979 |
| iShares S Mid Cap ETF | ETF | 464287507 |  | 827 | 12668 | SH |  | SOLE |  | 0 | 0 | 12668 |
| Apple | Stock | 037833100 |  | 2986 | 11727 | SH |  | SOLE |  | 0 | 0 | 11727 |
| iShares Russell 1000 Value ETF | ETF | 464287598 |  | 731 | 3591 | SH |  | SOLE |  | 0 | 0 | 3591 |

---