# EDGAR Filing Document

**Accession Number:** 0002083149
**File Stem:** 0002083149-26-000001
**Filing Date:** 2026-1
**Character Count:** 8727
**Document Hash:** 3a2c1a21c4b855131e65b1bfa0d34402
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002083149-26-000001.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0002083149-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260121

**EFFECTIVENESS DATE**: 20260121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Provident Living Financial Services, Inc.
- **CENTRAL INDEX KEY:** 0002083149

**ORGANIZATION NAME:**
- **EIN:** 272321097
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25946
- **FILM NUMBER:** 26548599

**BUSINESS ADDRESS:**
- **STREET 1:** 3450 N TRIUMPH BLVD, SUITE 102
- **CITY:** LEHI
- **STATE:** UT
- **ZIP:** 84043
- **BUSINESS PHONE:** 2096179390

**MAIL ADDRESS:**
- **STREET 1:** 3450 N TRIUMPH BLVD, SUITE 102
- **CITY:** LEHI
- **STATE:** UT
- **ZIP:** 84043

### 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:** Provident Living Financial Services Inc.<br>**Address:** 3450 N TRIUMPH BLVD SUITE 102<br>LEHI, UT 84043

**Form 13F File Number:** 028-25946

**CRD Number (if applicable):** 000282665

**SEC File Number (if applicable):** 801-132694

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:** Katie Shields<br>**Title:** Operations Manager<br>**Phone:** 385-576-2560

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

Katie Anna Shields  Eagle Mountain, UT  01-21-2026<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:** 51

**Form 13F Information Table Value Total:** $101800671

      (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 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 1246625 | 5821 | SH |  | SOLE |  | 0 | 0 | 5821 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2012970 | 6431 | SH |  | SOLE |  | 0 | 0 | 6431 |
| AMAZON COM INC | COM | 023135106 |  | 1837881 | 7962 | SH |  | SOLE |  | 0 | 0 | 7962 |
| APPLE INC | COM | 037833100 |  | 3860987 | 14202 | SH |  | SOLE |  | 0 | 0 | 14202 |
| AT INC | COM | 00206R102 |  | 1108112 | 44610 | SH |  | SOLE |  | 0 | 0 | 44610 |
| BANK AMERICA CORP | COM | 060505104 |  | 5705220 | 103731 | SH |  | SOLE |  | 0 | 0 | 103731 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1648692 | 3280 | SH |  | SOLE |  | 0 | 0 | 3280 |
| BILL HOLDINGS INC | COM | 090043100 |  | 1052895 | 19305 | SH |  | SOLE |  | 0 | 0 | 19305 |
| CHEVRON CORP NEW | COM | 166764100 |  | 741170 | 4863 | SH |  | SOLE |  | 0 | 0 | 4863 |
| CITIGROUP INC | COM NEW | 172967424 |  | 6552938 | 56157 | SH |  | SOLE |  | 0 | 0 | 56157 |
| COINBASE GLOBAL INC | COM CL A | 19260Q107 |  | 404564 | 1789 | SH |  | SOLE |  | 0 | 0 | 1789 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 1129243 | 2409 | SH |  | SOLE |  | 0 | 0 | 2409 |
| CVS HEALTH CORP | COM | 126650100 |  | 538934 | 6791 | SH |  | SOLE |  | 0 | 0 | 6791 |
| ETSY INC | COM | 29786A106 |  | 879057 | 15856 | SH |  | SOLE |  | 0 | 0 | 15856 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 891719 | 7410 | SH |  | SOLE |  | 0 | 0 | 7410 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 10011138 | 217444 | SH |  | SOLE |  | 0 | 0 | 217444 |
| RBB FUND TRUST | FIRST EAGLE GBL | 75526L886 |  | 9990425 | 217056 | SH |  | SOLE |  | 0 | 0 | 217056 |
| FREEPORT-MCMORAN INC | CL B | 35671D857 |  | 18020 | 10600 | SH |  | SOLE |  | 0 | 0 | 10600 |
| FREEPORT-MCMORAN INC | CL B | 35671D857 |  | 1813898 | 35714 | SH |  | SOLE |  | 0 | 0 | 35714 |
| HUBSPOT INC | COM | 443573100 |  | 516874 | 1288 | SH |  | SOLE |  | 0 | 0 | 1288 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 679475 | 1106 | SH |  | SOLE |  | 0 | 0 | 1106 |
| ISHARES TR | CORE S ETF | 464287200 |  | 478773 | 699 | SH |  | SOLE |  | 0 | 0 | 699 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 642089 | 15524 | SH |  | SOLE |  | 0 | 0 | 15524 |
| ISHARES TR | HIGH YLD SYSTM B | 46435G250 |  | 4296638 | 90742 | SH |  | SOLE |  | 0 | 0 | 90742 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1001224 | 4838 | SH |  | SOLE |  | 0 | 0 | 4838 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1597834 | 2421 | SH |  | SOLE |  | 0 | 0 | 2421 |
| MICROSOFT CORP | COM | 594918104 |  | 1300150 | 2688 | SH |  | SOLE |  | 0 | 0 | 2688 |
| NICE LTD | SPONSORED ADR | 653656108 |  | 454873 | 4024 | SH |  | SOLE |  | 0 | 0 | 4024 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1373946 | 7367 | SH |  | SOLE |  | 0 | 0 | 7367 |
| ORACLE CORP | COM | 68389X105 |  | 563095 | 2889 | SH |  | SOLE |  | 0 | 0 | 2889 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 498368 | 8283 | SH |  | SOLE |  | 0 | 0 | 8283 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 498098 | 8532 | SH |  | SOLE |  | 0 | 0 | 8532 |
| PETROLEO BRASILEIRO SA PETRO | SPONSORED ADR | 71654V408 |  | 1047068 | 88360 | SH |  | SOLE |  | 0 | 0 | 88360 |
| PRINCIPAL FINANCIAL GROUP IN | COM | 74251V102 |  | 297709 | 3375 | SH |  | SOLE |  | 0 | 0 | 3375 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 1436665 | 54772 | SH |  | SOLE |  | 0 | 0 | 54772 |
| SERVICENOW INC | COM | 81762P102 |  | 453749 | 2962 | SH |  | SOLE |  | 0 | 0 | 2962 |
| SOFI TECHNOLOGIES INC | COM | 83406F102 |  | 318450 | 110000 | SH |  | SOLE |  | 0 | 0 | 110000 |
| SOFI TECHNOLOGIES INC | COM | 83406F102 |  | 21922792 | 837387 | SH |  | SOLE |  | 0 | 0 | 837387 |
| SPDR INDEX SHS FDS | S EMKTSC ETF | 78463X756 |  | 258423 | 3936 | SH |  | SOLE |  | 0 | 0 | 3936 |
| SUNRUN INC | COM | 86771W105 |  | 208914 | 11354 | SH |  | SOLE |  | 0 | 0 | 11354 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 626838 | 4374 | SH |  | SOLE |  | 0 | 0 | 4374 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 867846 | 3109 | SH |  | SOLE |  | 0 | 0 | 3109 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 448190 | 715 | SH |  | SOLE |  | 0 | 0 | 715 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 390981 | 7905 | SH |  | SOLE |  | 0 | 0 | 7905 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 611014 | 2885 | SH |  | SOLE |  | 0 | 0 | 2885 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 762393 | 15778 | SH |  | SOLE |  | 0 | 0 | 15778 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 5024789 | 14987 | SH |  | SOLE |  | 0 | 0 | 14987 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 653391 | 16042 | SH |  | SOLE |  | 0 | 0 | 16042 |
| VODAFONE GROUP PLC NEW | SPONSORED ADR | 92857W308 |  | 388804 | 29433 | SH |  | SOLE |  | 0 | 0 | 29433 |
| WALMART INC | COM | 931142103 |  | 511372 | 4590 | SH |  | SOLE |  | 0 | 0 | 4590 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 225358 | 2418 | SH |  | SOLE |  | 0 | 0 | 2418 |

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