# EDGAR Filing Document

**Accession Number:** 0001911035
**File Stem:** 0001951757-25-001344
**Filing Date:** 2025-11
**Character Count:** 14958
**Document Hash:** a46537da08c9992a3752271c44213803
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001344.hdr.sgml**: 20251107

**ACCESSION NUMBER**: 0001951757-25-001344

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251107

**DATE AS OF CHANGE**: 20251107

**EFFECTIVENESS DATE**: 20251107

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** 626 Financial, LLC
- **CENTRAL INDEX KEY:** 0001911035

**ORGANIZATION NAME:**
- **EIN:** 270477078
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21984
- **FILM NUMBER:** 251461807

**BUSINESS ADDRESS:**
- **STREET 1:** 7950 MOORSBRIDGE ROAD
- **STREET 2:** SUITE 104
- **CITY:** PORTAGE
- **STATE:** MI
- **ZIP:** 49024
- **BUSINESS PHONE:** (269) 321-5040

**MAIL ADDRESS:**
- **STREET 1:** 7950 MOORSBRIDGE ROAD
- **STREET 2:** SUITE 104
- **CITY:** PORTAGE
- **STATE:** MI
- **ZIP:** 49024

### 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:** 626 Financial LLC<br>**Address:** 7950 MOORSBRIDGE ROAD<br>SUITE 104<br>PORTAGE, MI 49024

**Form 13F File Number:** 028-21984

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:** Thomas Anderton<br>**Title:** Chief Compliance Officer<br>**Phone:** (269) 321-5040

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

Thomas Anderton  Portage, MI  11-07-2025<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:** 117

**Form 13F Information Table Value Total:** $227876007

      (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 |  | 312481 | 2333 | SH |  | SOLE |  | 0 | 0 | 2333 |
| ABBVIE INC | COM | 00287Y109 |  | 1081987 | 4673 | SH |  | SOLE |  | 0 | 0 | 4673 |
| AFLAC INC | COM | 001055102 |  | 1627805 | 14573 | SH |  | SOLE |  | 0 | 0 | 14573 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3580116 | 14700 | SH |  | SOLE |  | 0 | 0 | 14700 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 6662171 | 27405 | SH |  | SOLE |  | 0 | 0 | 27405 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 435536 | 6593 | SH |  | SOLE |  | 0 | 0 | 6593 |
| AMAZON COM INC | COM | 023135106 |  | 8094232 | 36864 | SH |  | SOLE |  | 0 | 0 | 36864 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 474984 | 1430 | SH |  | SOLE |  | 0 | 0 | 1430 |
| ANHEUSER BUSCH INBEV SA/NV | SPONSORED ADR | 03524A108 |  | 341028 | 5721 | SH |  | SOLE |  | 0 | 0 | 5721 |
| APPLE INC | COM | 037833100 |  | 13189099 | 51797 | SH |  | SOLE |  | 0 | 0 | 51797 |
| AT INC | COM | 00206R102 |  | 687559 | 24347 | SH |  | SOLE |  | 0 | 0 | 24347 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1182947 | 2353 | SH |  | SOLE |  | 0 | 0 | 2353 |
| BNY MELLON ETF TRUST | US LRG CP CORE | 09661T107 |  | 316072 | 2462 | SH |  | SOLE |  | 0 | 0 | 2462 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 454698 | 10082 | SH |  | SOLE |  | 0 | 0 | 10082 |
| NVIDIA CORPORATION | CALL | 67066G904 |  | 1031000 | 100 | PRN | Call | SOLE |  | 0 | 0 | 100 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 541229 | 2546 | SH |  | SOLE |  | 0 | 0 | 2546 |
| CATERPILLAR INC | COM | 149123101 |  | 966412 | 2025 | SH |  | SOLE |  | 0 | 0 | 2025 |
| CHENIERE ENERGY INC | COM NEW | 16411R208 |  | 669458 | 2849 | SH |  | SOLE |  | 0 | 0 | 2849 |
| CHEVRON CORP NEW | COM | 166764100 |  | 908864 | 5853 | SH |  | SOLE |  | 0 | 0 | 5853 |
| CISCO SYS INC | COM | 17275R102 |  | 274212 | 4008 | SH |  | SOLE |  | 0 | 0 | 4008 |
| CITIGROUP INC | COM NEW | 172967424 |  | 875720 | 8628 | SH |  | SOLE |  | 0 | 0 | 8628 |
| COCA COLA CO | COM | 191216100 |  | 269972 | 4071 | SH |  | SOLE |  | 0 | 0 | 4071 |
| CORNING INC | COM | 219350105 |  | 484705 | 5909 | SH |  | SOLE |  | 0 | 0 | 5909 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 346186 | 374 | SH |  | SOLE |  | 0 | 0 | 374 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 953298 | 1944 | SH |  | SOLE |  | 0 | 0 | 1944 |
| DEERE  CO | COM | 244199105 |  | 448571 | 981 | SH |  | SOLE |  | 0 | 0 | 981 |
| ETF SER SOLUTIONS | DEFIANCE CONNECT | 26922A289 |  | 283373 | 4594 | SH |  | SOLE |  | 0 | 0 | 4594 |
| DELTA AIR LINES INC DEL | COM NEW | 247361702 |  | 636578 | 11217 | SH |  | SOLE |  | 0 | 0 | 11217 |
| DOW INC | COM | 260557103 |  | 240331 | 10481 | SH |  | SOLE |  | 0 | 0 | 10481 |
| DTE ENERGY CO | COM | 233331107 |  | 257588 | 1821 | SH |  | SOLE |  | 0 | 0 | 1821 |
| ELI LILLY  CO | COM | 532457108 |  | 1732016 | 2270 | SH |  | SOLE |  | 0 | 0 | 2270 |
| EMERSON ELEC CO | COM | 291011104 |  | 1172618 | 8939 | SH |  | SOLE |  | 0 | 0 | 8939 |
| TELEFONAKTIEBOLAGET LM ERICS | ADR B SEK 10 | 294821608 |  | 94775 | 11460 | SH |  | SOLE |  | 0 | 0 | 11460 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 443111 | 3930 | SH |  | SOLE |  | 0 | 0 | 3930 |
| FEDEX CORP | COM | 31428X106 |  | 281085 | 1192 | SH |  | SOLE |  | 0 | 0 | 1192 |
| FIRST TR EXCHANGE-TRADED ALP | SHS ISSUED FRST | 33733C108 |  | 3202303 | 36696 | SH |  | SOLE |  | 0 | 0 | 36696 |
| FIRST TR EXCHANGE-TRADED FD | DJ INTERNT IDX | 33733E302 |  | 857710 | 3065 | SH |  | SOLE |  | 0 | 0 | 3065 |
| FIRST TR EXCHANGE-TRADED ALP | COM SHS | 33733F101 |  | 1487952 | 9268 | SH |  | SOLE |  | 0 | 0 | 9268 |
| FIRST TR EXCHANGE-TRADED ALP | COM SHS | 33735J101 |  | 220398 | 2645 | SH |  | SOLE |  | 0 | 0 | 2645 |
| FIRST TR EXCH TRD ALPHDX FD | EM SML CP ALPH | 33737J307 |  | 7075593 | 160156 | SH |  | SOLE |  | 0 | 0 | 160156 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 |  | 682150 | 13701 | SH |  | SOLE |  | 0 | 0 | 13701 |
| FIRST TR EXCHANGE-TRADED FD | SMID RISNG ETF | 33741X102 |  | 310923 | 8178 | SH |  | SOLE |  | 0 | 0 | 8178 |
| FORD MTR CO | COM | 345370860 |  | 238267 | 19922 | SH |  | SOLE |  | 0 | 0 | 19922 |
| GE AEROSPACE | COM NEW | 369604301 |  | 241257 | 802 | SH |  | SOLE |  | 0 | 0 | 802 |
| GENERAL MLS INC | COM | 370334104 |  | 745158 | 14779 | SH |  | SOLE |  | 0 | 0 | 14779 |
| GRACO INC | COM | 384109104 |  | 491069 | 5780 | SH |  | SOLE |  | 0 | 0 | 5780 |
| HANESBRANDS INC | COM | 410345102 |  | 88998 | 13505 | SH |  | SOLE |  | 0 | 0 | 13505 |
| HOME DEPOT INC | COM | 437076102 |  | 308577 | 762 | SH |  | SOLE |  | 0 | 0 | 762 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 239346 | 1220 | SH |  | SOLE |  | 0 | 0 | 1220 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 467021 | 1791 | SH |  | SOLE |  | 0 | 0 | 1791 |
| INTEL CORP | COM | 458140100 |  | 488355 | 14556 | SH |  | SOLE |  | 0 | 0 | 14556 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 579275 | 2053 | SH |  | SOLE |  | 0 | 0 | 2053 |
| INTERNATIONAL PAPER CO | COM | 460146103 |  | 248240 | 5350 | SH |  | SOLE |  | 0 | 0 | 5350 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 217934 | 363 | SH |  | SOLE |  | 0 | 0 | 363 |
| INVESCO EXCHANGE TRADED FD T | S MIDCAP 400 | 46137V225 |  | 12135199 | 100606 | SH |  | SOLE |  | 0 | 0 | 100606 |
| ISHARES TR | CORE S ETF | 464287200 |  | 259019 | 387 | SH |  | SOLE |  | 0 | 0 | 387 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1448375 | 22194 | SH |  | SOLE |  | 0 | 0 | 22194 |
| ISHARES TR | MSCI INDIA SM CP | 46429B614 |  | 2555296 | 35629 | SH |  | SOLE |  | 0 | 0 | 35629 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 252547 | 691 | SH |  | SOLE |  | 0 | 0 | 691 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1215486 | 6875 | SH |  | SOLE |  | 0 | 0 | 6875 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 1580696 | 6533 | SH |  | SOLE |  | 0 | 0 | 6533 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 10339799 | 37785 | SH |  | SOLE |  | 0 | 0 | 37785 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 515888 | 5380 | SH |  | SOLE |  | 0 | 0 | 5380 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1114486 | 6011 | SH |  | SOLE |  | 0 | 0 | 6011 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 3349222 | 10618 | SH |  | SOLE |  | 0 | 0 | 10618 |
| KRAFT HEINZ CO | COM | 500754106 |  | 423541 | 16265 | SH |  | SOLE |  | 0 | 0 | 16265 |
| MCDONALDS CORP | COM | 580135101 |  | 303282 | 998 | SH |  | SOLE |  | 0 | 0 | 998 |
| MERCANTILE BK CORP | COM | 587376104 |  | 219420 | 4876 | SH |  | SOLE |  | 0 | 0 | 4876 |
| META PLATFORMS INC | CL A | 30303M102 |  | 582408 | 793 | SH |  | SOLE |  | 0 | 0 | 793 |
| MICROSOFT CORP | COM | 594918104 |  | 10640918 | 20544 | SH |  | SOLE |  | 0 | 0 | 20544 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 223180 | 1404 | SH |  | SOLE |  | 0 | 0 | 1404 |
| NEOS ETF TRUST | NASDAQ 100 HIGH | 78433H675 |  | 304604 | 5620 | SH |  | SOLE |  | 0 | 0 | 5620 |
| NETFLIX INC | COM | 64110L106 |  | 1668895 | 1392 | SH |  | SOLE |  | 0 | 0 | 1392 |
| NIKE INC | CL B | 654106103 |  | 445086 | 6383 | SH |  | SOLE |  | 0 | 0 | 6383 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 225908 | 752 | SH |  | SOLE |  | 0 | 0 | 752 |
| NORTHERN DYNASTY MINERALS LT | COM NEW | 66510M204 |  | 36240 | 30200 | SH |  | SOLE |  | 0 | 0 | 30200 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 6626742 | 35517 | SH |  | SOLE |  | 0 | 0 | 35517 |
| ORACLE CORP | COM | 68389X105 |  | 719896 | 2560 | SH |  | SOLE |  | 0 | 0 | 2560 |
| PACER FDS TR | US SMALL CAP CAS | 69374H857 |  | 279027 | 6373 | SH |  | SOLE |  | 0 | 0 | 6373 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 532221 | 702 | SH |  | SOLE |  | 0 | 0 | 702 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 207350 | 3092 | SH |  | SOLE |  | 0 | 0 | 3092 |
| PEPSICO INC | COM | 713448108 |  | 404203 | 2878 | SH |  | SOLE |  | 0 | 0 | 2878 |
| PFIZER INC | COM | 717081103 |  | 1168881 | 45874 | SH |  | SOLE |  | 0 | 0 | 45874 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 1910333 | 38337 | SH |  | SOLE |  | 0 | 0 | 38337 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 561849 | 3464 | SH |  | SOLE |  | 0 | 0 | 3464 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1354945 | 8818 | SH |  | SOLE |  | 0 | 0 | 8818 |
| QUALCOMM INC | COM | 747525103 |  | 2535208 | 15239 | SH |  | SOLE |  | 0 | 0 | 15239 |
| SALESFORCE INC | COM | 79466L302 |  | 1250950 | 5278 | SH |  | SOLE |  | 0 | 0 | 5278 |
| SEMPRA | COM | 816851109 |  | 251249 | 2792 | SH |  | SOLE |  | 0 | 0 | 2792 |
| SMURFIT WESTROCK PLC | SHS | G8267P108 |  | 653366 | 15348 | SH |  | SOLE |  | 0 | 0 | 15348 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1390598 | 3912 | SH |  | SOLE |  | 0 | 0 | 3912 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 892724 | 8542 | SH |  | SOLE |  | 0 | 0 | 8542 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 665399 | 12026 | SH |  | SOLE |  | 0 | 0 | 12026 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 4930469 | 106444 | SH |  | SOLE |  | 0 | 0 | 106444 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1100756 | 1652 | SH |  | SOLE |  | 0 | 0 | 1652 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 262848 | 2965 | SH |  | SOLE |  | 0 | 0 | 2965 |
| STARBUCKS CORP | COM | 855244109 |  | 279710 | 3306 | SH |  | SOLE |  | 0 | 0 | 3306 |
| STRYKER CORPORATION | COM | 863667101 |  | 28465768 | 77003 | SH |  | SOLE |  | 0 | 0 | 77003 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 1904385 | 6756 | SH |  | SOLE |  | 0 | 0 | 6756 |
| TESLA INC | COM | 88160R101 |  | 1055764 | 2374 | SH |  | SOLE |  | 0 | 0 | 2374 |
| TJX COS INC NEW | COM | 872540109 |  | 314009 | 2172 | SH |  | SOLE |  | 0 | 0 | 2172 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 1533917 | 15657 | SH |  | SOLE |  | 0 | 0 | 15657 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 348738 | 4175 | SH |  | SOLE |  | 0 | 0 | 4175 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 427504 | 4902 | SH |  | SOLE |  | 0 | 0 | 4902 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 237642 | 1686 | SH |  | SOLE |  | 0 | 0 | 1686 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 204288 | 2088 | SH |  | SOLE |  | 0 | 0 | 2088 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 481618 | 1106 | SH |  | SOLE |  | 0 | 0 | 1106 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 664182 | 1085 | SH |  | SOLE |  | 0 | 0 | 1085 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 363967 | 4955 | SH |  | SOLE |  | 0 | 0 | 4955 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4442495 | 13537 | SH |  | SOLE |  | 0 | 0 | 13537 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 985972 | 5287 | SH |  | SOLE |  | 0 | 0 | 5287 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 345769 | 7867 | SH |  | SOLE |  | 0 | 0 | 7867 |
| WALMART INC | COM | 931142103 |  | 1354305 | 13141 | SH |  | SOLE |  | 0 | 0 | 13141 |
| DISNEY WALT CO | COM | 254687106 |  | 316914 | 2768 | SH |  | SOLE |  | 0 | 0 | 2768 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 25918662 | 308556 | SH |  | SOLE |  | 0 | 0 | 308556 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 845924 | 9720 | SH |  | SOLE |  | 0 | 0 | 9720 |
| WISDOMTREE TR | WISDOMTREE US VA | 97717W547 |  | 10303622 | 113214 | SH |  | SOLE |  | 0 | 0 | 113214 |

---