# EDGAR Filing Document

**Accession Number:** 0002081139
**File Stem:** 0002081139-26-000002
**Filing Date:** 2026-1
**Character Count:** 10698
**Document Hash:** f070e71b21212d693c5e3b0dd3fa1f88
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002081139-26-000002.hdr.sgml**: 20260129

**ACCESSION NUMBER**: 0002081139-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260129

**DATE AS OF CHANGE**: 20260129

**EFFECTIVENESS DATE**: 20260129

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Brindle & Bay Financial Advisors, LLC
- **CENTRAL INDEX KEY:** 0002081139

**ORGANIZATION NAME:**
- **EIN:** 823890625
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26012
- **FILM NUMBER:** 26576029

**BUSINESS ADDRESS:**
- **STREET 1:** 5899 PRESTON RD
- **STREET 2:** SUITE 1103
- **CITY:** FRISCO
- **STATE:** TX
- **ZIP:** 75034
- **BUSINESS PHONE:** (214) 988-9178

**MAIL ADDRESS:**
- **STREET 1:** 5899 PRESTON RD
- **STREET 2:** SUITE 1103
- **CITY:** FRISCO
- **STATE:** TX
- **ZIP:** 75034

### 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:** Brindle  Bay Financial Advisors LLC<br>**Address:** 5899 PRESTON RD<br>SUITE 1103<br>FRISCO, TX 75034

**Form 13F File Number:** 028-26012

**CRD Number (if applicable):** 000291747

**SEC File Number (if applicable):** 801-131045

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:** Rita Rhodes<br>**Title:** Consultant<br>**Phone:** 815-900-2202

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

Rita Rhodes  Rockford, IL  01-29-2026<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:** 68

**Form 13F Information Table Value Total:** $150245676

      (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 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 15725842 | 25599 | SH |  | SOLE | 0 | 25599 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 15404858 | 246596 | SH |  | SOLE | 0 | 246596 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 12498487 | 232487 | SH |  | SOLE | 0 | 232487 | 0 | 0 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 12342611 | 144578 | SH |  | SOLE | 0 | 144578 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 7395882 | 88309 | SH |  | SOLE | 0 | 88309 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R622 |  | 5441129 | 55973 | SH |  | SOLE | 0 | 55973 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5190691 | 8277 | SH |  | SOLE | 0 | 8277 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 4960914 | 10169 | SH |  | SOLE | 0 | 10169 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A359 |  | 4486134 | 50293 | SH |  | SOLE | 0 | 50293 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 4134724 | 55822 | SH |  | SOLE | 0 | 55822 | 0 | 0 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 3718032 | 47741 | SH |  | SOLE | 0 | 47741 | 0 | 0 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 3379371 | 109153 | SH |  | SOLE | 0 | 109153 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 3193012 | 15076 | SH |  | SOLE | 0 | 15076 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 2817833 | 31844 | SH |  | SOLE | 0 | 31844 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2673065 | 13996 | SH |  | SOLE | 0 | 13996 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 2412082 | 10975 | SH |  | SOLE | 0 | 10975 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 2241512 | 7420 | SH |  | SOLE | 0 | 7420 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 2143723 | 45534 | SH |  | SOLE | 0 | 45534 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 |  | 2135635 | 38273 | SH |  | SOLE | 0 | 38273 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 2097233 | 11824 | SH |  | SOLE | 0 | 11824 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 2034062 | 7287 | SH |  | SOLE | 0 | 7287 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 1972094 | 32907 | SH |  | SOLE | 0 | 32907 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1808096 | 9439 | SH |  | SOLE | 0 | 9439 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 1484512 | 29350 | SH |  | SOLE | 0 | 29350 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1212907 | 4702 | SH |  | SOLE | 0 | 4702 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1194008 | 4114 | SH |  | SOLE | 0 | 4114 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 1133613 | 23461 | SH |  | SOLE | 0 | 23461 | 0 | 0 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 934488 | 18280 | SH |  | SOLE | 0 | 18280 | 0 | 0 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 827656 | 27690 | SH |  | SOLE | 0 | 27690 | 0 | 0 |
| FOX CORP | CL A COM | 35137L105 |  | 810206 | 11088 | SH |  | SOLE | 0 | 11088 | 0 | 0 |
| US BANCORP DEL | COM NEW | 902973304 |  | 794682 | 14893 | SH |  | SOLE | 0 | 14893 | 0 | 0 |
| AVERY DENNISON CORP | COM | 053611109 |  | 782094 | 4300 | SH |  | SOLE | 0 | 4300 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 777993 | 7391 | SH |  | SOLE | 0 | 7391 | 0 | 0 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 769223 | 2867 | SH |  | SOLE | 0 | 2867 | 0 | 0 |
| SNAP ON INC | COM | 833034101 |  | 757759 | 2199 | SH |  | SOLE | 0 | 2199 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 754617 | 3646 | SH |  | SOLE | 0 | 3646 | 0 | 0 |
| PRICE T ROWE GROUP INC | COM | 74144T108 |  | 753228 | 7357 | SH |  | SOLE | 0 | 7357 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 743866 | 18263 | SH |  | SOLE | 0 | 18263 | 0 | 0 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 741629 | 6042 | SH |  | SOLE | 0 | 6042 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 738605 | 2999 | SH |  | SOLE | 0 | 2999 | 0 | 0 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 738585 | 9347 | SH |  | SOLE | 0 | 9347 | 0 | 0 |
| GENERAL MLS INC | COM | 370334104 |  | 736808 | 15845 | SH |  | SOLE | 0 | 15845 | 0 | 0 |
| CBOE GLOBAL MKTS INC | COM | 12503M108 |  | 734651 | 2927 | SH |  | SOLE | 0 | 2927 | 0 | 0 |
| CME GROUP INC | COM | 12572Q105 |  | 734521 | 2690 | SH |  | SOLE | 0 | 2690 | 0 | 0 |
| VICI PPTYS INC | COM | 925652109 |  | 734495 | 26120 | SH |  | SOLE | 0 | 26120 | 0 | 0 |
| CONAGRA BRANDS INC | COM | 205887102 |  | 731935 | 42284 | SH |  | SOLE | 0 | 42284 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 728547 | 5084 | SH |  | SOLE | 0 | 5084 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 727872 | 12624 | SH |  | SOLE | 0 | 12624 | 0 | 0 |
| KRAFT HEINZ CO | COM | 500754106 |  | 727809 | 30013 | SH |  | SOLE | 0 | 30013 | 0 | 0 |
| CF INDS HLDGS INC | COM | 125269100 |  | 724672 | 9370 | SH |  | SOLE | 0 | 9370 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 717445 | 4999 | SH |  | SOLE | 0 | 4999 | 0 | 0 |
| EOG RES INC | COM | 26875P101 |  | 714365 | 6803 | SH |  | SOLE | 0 | 6803 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 699235 | 6931 | SH |  | SOLE | 0 | 6931 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 676356 | 15777 | SH |  | SOLE | 0 | 15777 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 546490 | 6854 | SH |  | SOLE | 0 | 6854 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 470606 | 4596 | SH |  | SOLE | 0 | 4596 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 439736 | 7487 | SH |  | SOLE | 0 | 7487 | 0 | 0 |
| BRINKER INTL INC | COM | 109641100 |  | 437137 | 3046 | SH |  | SOLE | 0 | 3046 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 413230 | 2669 | SH |  | SOLE | 0 | 2669 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 351582 | 513 | SH |  | SOLE | 0 | 513 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 317875 | 4092 | SH |  | SOLE | 0 | 4092 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 314054 | 6711 | SH |  | SOLE | 0 | 6711 | 0 | 0 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 303693 | 5971 | SH |  | SOLE | 0 | 5971 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 241319 | 2008 | SH |  | SOLE | 0 | 2008 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 225969 | 1574 | SH |  | SOLE | 0 | 1574 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 217781 | 3300 | SH |  | SOLE | 0 | 3300 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 210454 | 435 | SH |  | SOLE | 0 | 435 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 210346 | 2836 | SH |  | SOLE | 0 | 2836 | 0 | 0 |

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