# EDGAR Filing Document

**Accession Number:** 0002107537
**File Stem:** 0002085853-26-000369
**Filing Date:** 2026-4
**Character Count:** 11511
**Document Hash:** 6ad44fcaf93ee623e4facade205a3a4c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002085853-26-000369.hdr.sgml**: 20260414

**ACCESSION NUMBER**: 0002085853-26-000369

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260414

**DATE AS OF CHANGE**: 20260414

**EFFECTIVENESS DATE**: 20260414

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CDM FINANCIAL COUNSELING SERVICES, INC.
- **CENTRAL INDEX KEY:** 0002107537

**ORGANIZATION NAME:**
- **EIN:** 061167271
- **STATE OF INCORPORATION:** CT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26100
- **FILM NUMBER:** 26859414

**BUSINESS ADDRESS:**
- **STREET 1:** 457 WEST MAIN ST
- **CITY:** NORWICH
- **STATE:** CT
- **ZIP:** 06360
- **BUSINESS PHONE:** (860) 886-5108

**MAIL ADDRESS:**
- **STREET 1:** 457 WEST MAIN ST
- **CITY:** NORWICH
- **STATE:** CT
- **ZIP:** 06360

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** CDM FINANCIAL COUNSELING SERVICES INC.<br>**Address:** 457 WEST MAIN ST<br>NORWICH, CT 06360

**Form 13F File Number:** 028-26100

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:** Andrew D. Sawyer<br>**Title:** CFA Vice President<br>**Phone:** 860-886-5108

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

/s/ Andrew D. Sawyer  Norwich, CT  01-14-2026<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:** 80

**Form 13F Information Table Value Total:** $104507154

      (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 |  | 207500 | 1020 | SH |  | SOLE |  | 0 | 0 | 1020 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1058797 | 3682 | SH |  | SOLE |  | 0 | 0 | 3682 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1672687 | 5796 | SH |  | SOLE |  | 0 | 0 | 5796 |
| ALPS ETF TR | ALERIAN MLP | 00162Q452 |  | 253935 | 4824 | SH |  | SOLE |  | 0 | 0 | 4824 |
| AMAZON COM INC | COM | 023135106 |  | 1394577 | 6646 | SH |  | SOLE |  | 0 | 0 | 6646 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 575481 | 1903 | SH |  | SOLE |  | 0 | 0 | 1903 |
| APPLE INC | COM | 037833100 |  | 1622925 | 6396 | SH |  | SOLE |  | 0 | 0 | 6396 |
| ASML HLDG NV | N Y REGISTRY SHS | N07059210 |  | 796258 | 602 | SH |  | SOLE |  | 0 | 0 | 602 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 208186 | 1025 | SH |  | SOLE |  | 0 | 0 | 1025 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1565546 | 3267 | SH |  | SOLE |  | 0 | 0 | 3267 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 718140 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| CATERPILLAR INC | COM | 149123101 |  | 1664963 | 2350 | SH |  | SOLE |  | 0 | 0 | 2350 |
| COCA COLA CO | COM | 191216100 |  | 555114 | 7299 | SH |  | SOLE |  | 0 | 0 | 7299 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 394586 | 396 | SH |  | SOLE |  | 0 | 0 | 396 |
| CSX CORP | COM | 126408103 |  | 636391 | 15503 | SH |  | SOLE |  | 0 | 0 | 15503 |
| CURTISS WRIGHT CORP | COM | 231561101 |  | 238392 | 350 | SH |  | SOLE |  | 0 | 0 | 350 |
| DEERE  CO | COM | 244199105 |  | 468274 | 831 | SH |  | SOLE |  | 0 | 0 | 831 |
| ELI LILLY  CO | COM | 532457108 |  | 444249 | 483 | SH |  | SOLE |  | 0 | 0 | 483 |
| FIDELITY COVINGTON TRUST | HIGH DIVID ETF | 316092840 |  | 734788 | 13302 | SH |  | SOLE |  | 0 | 0 | 13302 |
| FIDELITY COVINGTON TRUST | DIVID ETF RISI | 316092832 |  | 461606 | 7850 | SH |  | SOLE |  | 0 | 0 | 7850 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 |  | 485020 | 6893 | SH |  | SOLE |  | 0 | 0 | 6893 |
| GARMIN LTD | SHS | H2906T109 |  | 475621 | 2050 | SH |  | SOLE |  | 0 | 0 | 2050 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 256140 | 746 | SH |  | SOLE |  | 0 | 0 | 746 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 367160 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| HOME DEPOT INC | COM | 437076102 |  | 800834 | 2436 | SH |  | SOLE |  | 0 | 0 | 2436 |
| HONEYWELL INTL INC | COM | 438516106 |  | 245390 | 1086 | SH |  | SOLE |  | 0 | 0 | 1086 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 478503 | 3042 | SH |  | SOLE |  | 0 | 0 | 3042 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 1119859 | 4663 | SH |  | SOLE |  | 0 | 0 | 4663 |
| INVESCO EXCHANGE TRADED FD T | S 500 TOP 50 | 46137V233 |  | 354575 | 6500 | SH |  | SOLE |  | 0 | 0 | 6500 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 797934 | 4158 | SH |  | SOLE |  | 0 | 0 | 4158 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1347278 | 2335 | SH |  | SOLE |  | 0 | 0 | 2335 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 296830 | 3056 | SH |  | SOLE |  | 0 | 0 | 3056 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2088880 | 3198 | SH |  | SOLE |  | 0 | 0 | 3198 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 1737558 | 5287 | SH |  | SOLE |  | 0 | 0 | 5287 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 719141 | 2942 | SH |  | SOLE |  | 0 | 0 | 2942 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 568739 | 1934 | SH |  | SOLE |  | 0 | 0 | 1934 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 353569 | 585 | SH |  | SOLE |  | 0 | 0 | 585 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 1588428 | 4857 | SH |  | SOLE |  | 0 | 0 | 4857 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 807903 | 1617 | SH |  | SOLE |  | 0 | 0 | 1617 |
| MCDONALDS CORP | COM | 580135101 |  | 826519 | 2811 | SH |  | SOLE |  | 0 | 0 | 2811 |
| META PLATFORMS INC | CL A | 30303M102 |  | 675831 | 1181 | SH |  | SOLE |  | 0 | 0 | 1181 |
| MICROSOFT CORP | COM | 594918104 |  | 3508999 | 9480 | SH |  | SOLE |  | 0 | 0 | 9480 |
| MONSTER BEVERAGE CORP NEW | COM | 61174X109 |  | 413022 | 5500 | SH |  | SOLE |  | 0 | 0 | 5500 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 361561 | 2197 | SH |  | SOLE |  | 0 | 0 | 2197 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 310121 | 3339 | SH |  | SOLE |  | 0 | 0 | 3339 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 574485 | 2002 | SH |  | SOLE |  | 0 | 0 | 2002 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 592648 | 3298 | SH |  | SOLE |  | 0 | 0 | 3298 |
| PEPSICO INC | COM | 713448108 |  | 337959 | 2176 | SH |  | SOLE |  | 0 | 0 | 2176 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 1227897 | 7427 | SH |  | SOLE |  | 0 | 0 | 7427 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 204925 | 1419 | SH |  | SOLE |  | 0 | 0 | 1419 |
| PROLOGIS INC. | COM | 74340W103 |  | 511032 | 3866 | SH |  | SOLE |  | 0 | 0 | 3866 |
| RTX CORPORATION | COM | 75513E101 |  | 1885296 | 9773 | SH |  | SOLE |  | 0 | 0 | 9773 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 358428 | 14280 | SH |  | SOLE |  | 0 | 0 | 14280 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 209360 | 8459 | SH |  | SOLE |  | 0 | 0 | 8459 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 760081 | 24775 | SH |  | SOLE |  | 0 | 0 | 24775 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 2399219 | 21914 | SH |  | SOLE |  | 0 | 0 | 21914 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 570637 | 3892 | SH |  | SOLE |  | 0 | 0 | 3892 |
| SELECT SECTOR SPDR TR | STATE STREET IND | 81369Y704 |  | 215275 | 1331 | SH |  | SOLE |  | 0 | 0 | 1331 |
| SELECT SECTOR SPDR TR | STATE STREET COM | 81369Y852 |  | 3990403 | 35994 | SH |  | SOLE |  | 0 | 0 | 35994 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 8832847 | 66464 | SH |  | SOLE |  | 0 | 0 | 66464 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 1504813 | 32791 | SH |  | SOLE |  | 0 | 0 | 32791 |
| STARBUCKS CORP | COM | 855244109 |  | 453247 | 5059 | SH |  | SOLE |  | 0 | 0 | 5059 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 12470980 | 19176 | SH |  | SOLE |  | 0 | 0 | 19176 |
| STATE STR SPDR S MIDCAP 40 | UTSER1 S | 78467Y107 |  | 704429 | 1142 | SH |  | SOLE |  | 0 | 0 | 1142 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 509075 | 1036 | SH |  | SOLE |  | 0 | 0 | 1036 |
| UNION PAC CORP | COM | 907818108 |  | 830468 | 3423 | SH |  | SOLE |  | 0 | 0 | 3423 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 1056385 | 2715 | SH |  | SOLE |  | 0 | 0 | 2715 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 303753 | 1004 | SH |  | SOLE |  | 0 | 0 | 1004 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 299614 | 1456 | SH |  | SOLE |  | 0 | 0 | 1456 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2358215 | 3948 | SH |  | SOLE |  | 0 | 0 | 3948 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 2355279 | 5393 | SH |  | SOLE |  | 0 | 0 | 5393 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 294666 | 1145 | SH |  | SOLE |  | 0 | 0 | 1145 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 6229356 | 18753 | SH |  | SOLE |  | 0 | 0 | 18753 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 5446686 | 25326 | SH |  | SOLE |  | 0 | 0 | 25326 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 3515650 | 23738 | SH |  | SOLE |  | 0 | 0 | 23738 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 3636029 | 9895 | SH |  | SOLE |  | 0 | 0 | 9895 |
| VISA INC | COM CL A | 92826C839 |  | 1627389 | 5384 | SH |  | SOLE |  | 0 | 0 | 5384 |
| WALMART INC | COM | 931142103 |  | 415192 | 3341 | SH |  | SOLE |  | 0 | 0 | 3341 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 614177 | 6992 | SH |  | SOLE |  | 0 | 0 | 6992 |
| YUM BRANDS INC | COM | 988498101 |  | 553449 | 3560 | SH |  | SOLE |  | 0 | 0 | 3560 |

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