# EDGAR Filing Document

**Accession Number:** 0002021320
**File Stem:** 0001754960-26-000035
**Filing Date:** 2026-1
**Character Count:** 8019
**Document Hash:** 13373d470b5c45a9b289254197918b09
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-26-000035.hdr.sgml**: 20260113

**ACCESSION NUMBER**: 0001754960-26-000035

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260113

**DATE AS OF CHANGE**: 20260112

**EFFECTIVENESS DATE**: 20260113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** DEFINE FINANCIAL, LLC
- **CENTRAL INDEX KEY:** 0002021320

**ORGANIZATION NAME:**
- **EIN:** 465651217
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24547
- **FILM NUMBER:** 26528291

**BUSINESS ADDRESS:**
- **STREET 1:** 12526 HIGH BLUFF DRIVE
- **STREET 2:** SUITE 270
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92130
- **BUSINESS PHONE:** 858-345-1197

**MAIL ADDRESS:**
- **STREET 1:** 12526 HIGH BLUFF DRIVE
- **STREET 2:** SUITE 270
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92130

### 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:** DEFINE FINANCIAL LLC<br>**Address:** 12526 HIGH BLUFF DRIVE<br>SUITE 270<br>SAN DIEGO, CA 92130

**Form 13F File Number:** 028-24547

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  01-12-2026<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:** 43

**Form 13F Information Table Value Total:** $176422758

      (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 |
| AIRBNB INC | COM CL A | 009066101 |  | 531887 | 3919 | SH |  | SOLE | 0 | 3919 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 269845 | 862 | SH |  | SOLE | 0 | 862 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 693736 | 2211 | SH |  | SOLE | 0 | 2211 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 603197 | 2613 | SH |  | SOLE | 0 | 2613 | 0 | 0 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 25258124 | 247677 | SH |  | SOLE | 0 | 241193 | 0 | 6485 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 23828284 | 253573 | SH |  | SOLE | 0 | 247794 | 0 | 5780 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 11499532 | 149306 | SH |  | SOLE | 0 | 145576 | 0 | 3730 |
| APPLE INC | COM | 037833100 |  | 1549425 | 5699 | SH |  | SOLE | 0 | 5699 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 824346 | 1640 | SH |  | SOLE | 0 | 1640 | 0 | 0 |
| BNY MELLON ETF TRUST | US LRG CP CORE | 09661T107 |  | 223951 | 1712 | SH |  | SOLE | 0 | 1712 | 0 | 0 |
| CINTAS CORP | COM | 172908105 |  | 335091 | 1782 | SH |  | SOLE | 0 | 1782 | 0 | 0 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 275690 | 1998 | SH |  | SOLE | 0 | 1998 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 352012 | 408 | SH |  | SOLE | 0 | 408 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 394123 | 9199 | SH |  | SOLE | 0 | 9199 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 556047 | 12803 | SH |  | SOLE | 0 | 12803 | 0 | 0 |
| EA SERIES TRUST | FREEDOM 100 EM | 02072L607 |  | 255086 | 4975 | SH |  | SOLE | 0 | 4975 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 |  | 418990 | 5641 | SH |  | SOLE | 0 | 5641 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI INDL INDX | 316092709 |  | 251142 | 3045 | SH |  | SOLE | 0 | 3045 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 390393 | 570 | SH |  | SOLE | 0 | 534 | 0 | 36 |
| LINEAGE CELL THERAPEUTICS IN | COM | 53566P109 |  | 33400 | 20000 | SH |  | SOLE | 0 | 20000 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1887124 | 3902 | SH |  | SOLE | 0 | 3902 | 0 | 0 |
| MOTOROLA SOLUTIONS INC | COM NEW | 620076307 |  | 409386 | 1068 | SH |  | SOLE | 0 | 1068 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 733262 | 3932 | SH |  | SOLE | 0 | 3932 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 211878 | 1192 | SH |  | SOLE | 0 | 1192 | 0 | 0 |
| PROGRESSIVE CORP | COM | 743315103 |  | 207146 | 910 | SH |  | SOLE | 0 | 910 | 0 | 0 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 |  | 409701 | 3937 | SH |  | SOLE | 0 | 3937 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 284336 | 1662 | SH |  | SOLE | 0 | 1662 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 215580 | 6609 | SH |  | SOLE | 0 | 6609 | 0 | 0 |
| SEMPRA | COM | 816851109 |  | 340660 | 3858 | SH |  | SOLE | 0 | 3858 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1345147 | 1973 | SH |  | SOLE | 0 | 1973 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 352319 | 783 | SH |  | SOLE | 0 | 783 | 0 | 0 |
| TETRA TECH INC NEW | COM | 88162G103 |  | 392908 | 11715 | SH |  | SOLE | 0 | 11715 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 756081 | 2402 | SH |  | SOLE | 0 | 2402 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 529863 | 845 | SH |  | SOLE | 0 | 840 | 0 | 5 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 23319499 | 69554 | SH |  | SOLE | 0 | 67428 | 0 | 2127 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 318522 | 1668 | SH |  | SOLE | 0 | 1576 | 0 | 92 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 18095989 | 204498 | SH |  | SOLE | 0 | 199520 | 0 | 4978 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 458798 | 940 | SH |  | SOLE | 0 | 940 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 10981186 | 204263 | SH |  | SOLE | 0 | 199498 | 0 | 4766 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 20767547 | 282321 | SH |  | SOLE | 0 | 275728 | 0 | 6593 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 25244308 | 510398 | SH |  | SOLE | 0 | 502752 | 0 | 7646 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 343384 | 456 | SH |  | SOLE | 0 | 456 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 273833 | 781 | SH |  | SOLE | 0 | 781 | 0 | 0 |

---