# EDGAR Filing Document

**Accession Number:** 0002022456
**File Stem:** 0001172661-25-004669
**Filing Date:** 2025-11
**Character Count:** 9985
**Document Hash:** 1a11efc64264772202d686850c314d9d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-004669.hdr.sgml**: 20251110

**ACCESSION NUMBER**: 0001172661-25-004669

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251110

**DATE AS OF CHANGE**: 20251110

**EFFECTIVENESS DATE**: 20251110

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BRIGHT FINANCIAL ADVISORS, INC.
- **CENTRAL INDEX KEY:** 0002022456

**ORGANIZATION NAME:**
- **EIN:** 383391331
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24114
- **FILM NUMBER:** 251465903

**BUSINESS ADDRESS:**
- **STREET 1:** 450 W. CENTRE AVENUE
- **STREET 2:** SUITE C
- **CITY:** PORTAGE
- **STATE:** MI
- **ZIP:** 49024
- **BUSINESS PHONE:** 269-373-2700

**MAIL ADDRESS:**
- **STREET 1:** 450 W. CENTRE AVENUE
- **STREET 2:** SUITE C
- **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:** BRIGHT FINANCIAL ADVISORS INC.<br>**Address:** 450 W. Centre Avenue<br>Suite C<br>Portage, MI 49024

**Form 13F File Number:** 028-24114

**CRD Number (if applicable):** 000107931

**SEC File Number (if applicable):** 801-57192

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 M. Price<br>**Title:** President<br>**Phone:** 269-373-2700

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

/s/ Andrew M. Price  Portage, MI  11-10-2025<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:** 63

**Form 13F Information Table Value Total:** $204581763

      (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 |
| ABBVIE INC | COM | 00287Y109 |  | 340363 | 1470 | SH |  | SOLE |  | 0 | 0 | 1470 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 326845 | 1342 | SH |  | SOLE |  | 0 | 0 | 1342 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 398672 | 6035 | SH |  | SOLE |  | 0 | 0 | 6035 |
| AMAZON COM INC | COM | 023135106 |  | 1525353 | 6947 | SH |  | SOLE |  | 0 | 0 | 6947 |
| APPLE INC | COM | 037833100 |  | 4840085 | 19008 | SH |  | SOLE |  | 0 | 0 | 19008 |
| ARK ETF TR | INNOVATION ETF | 00214Q104 |  | 217735 | 2523 | SH |  | SOLE |  | 0 | 0 | 2523 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 5279400 | 7 | SH |  | SOLE |  | 0 | 0 | 7 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1562516 | 3108 | SH |  | SOLE |  | 0 | 0 | 3108 |
| CATERPILLAR INC | COM | 149123101 |  | 388715 | 815 | SH |  | SOLE |  | 0 | 0 | 815 |
| CHEVRON CORP NEW | COM | 166764100 |  | 270205 | 1740 | SH |  | SOLE |  | 0 | 0 | 1740 |
| CISCO SYS INC | COM | 17275R102 |  | 276554 | 4042 | SH |  | SOLE |  | 0 | 0 | 4042 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 255358 | 776 | SH |  | SOLE |  | 0 | 0 | 776 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 4250337 | 83701 | SH |  | SOLE |  | 0 | 0 | 83701 |
| EATON CORP PLC | SHS | G29183103 |  | 4420681 | 11812 | SH |  | SOLE |  | 0 | 0 | 11812 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 687068 | 6094 | SH |  | SOLE |  | 0 | 0 | 6094 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 1460167 | 31578 | SH |  | SOLE |  | 0 | 0 | 31578 |
| FIRST TR EXCHANGE TRAD FD VI | FST TR GLB FD | 33739H101 |  | 225563 | 8709 | SH |  | SOLE |  | 0 | 0 | 8709 |
| FIRST TR EXCHANGE TRADED FD | UTILITIES ALPH | 33734X184 |  | 252475 | 5555 | SH |  | SOLE |  | 0 | 0 | 5555 |
| FIRST TR EXCHANGE TRADED FD | CLOUD COMPUTING | 33734X192 |  | 281072 | 2091 | SH |  | SOLE |  | 0 | 0 | 2091 |
| FIRST TR EXCHANGE-TRADED FD | SMID RISNG ETF | 33741X102 |  | 4984355 | 131100 | SH |  | SOLE |  | 0 | 0 | 131100 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 241930 | 1857 | SH |  | SOLE |  | 0 | 0 | 1857 |
| GOLDMINING INC | COM | 38149E101 |  | 15942 | 12961 | SH |  | SOLE |  | 0 | 0 | 12961 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 449763 | 1594 | SH |  | SOLE |  | 0 | 0 | 1594 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 3065090 | 12403 | SH |  | SOLE |  | 0 | 0 | 12403 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 19011733 | 100220 | SH |  | SOLE |  | 0 | 0 | 100220 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 3584482 | 5970 | SH |  | SOLE |  | 0 | 0 | 5970 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1302365 | 17897 | SH |  | SOLE |  | 0 | 0 | 17897 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 35441236 | 353529 | SH |  | SOLE |  | 0 | 0 | 353529 |
| ISHARES TR | GLOBAL ENERG ETF | 464287341 |  | 208750 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 6372861 | 97653 | SH |  | SOLE |  | 0 | 0 | 97653 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 3205764 | 12501 | SH |  | SOLE |  | 0 | 0 | 12501 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 814833 | 9822 | SH |  | SOLE |  | 0 | 0 | 9822 |
| ISHARES TR | ISHARES SEMICDTR | 464287523 |  | 831581 | 3067 | SH |  | SOLE |  | 0 | 0 | 3067 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 10505922 | 88412 | SH |  | SOLE |  | 0 | 0 | 88412 |
| ISHARES TR | CORE S ETF | 464287200 |  | 13369180 | 19975 | SH |  | SOLE |  | 0 | 0 | 19975 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 789163 | 8452 | SH |  | SOLE |  | 0 | 0 | 8452 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 250784 | 1353 | SH |  | SOLE |  | 0 | 0 | 1353 |
| KELLANOVA | COM | 487836108 |  | 350964 | 4279 | SH |  | SOLE |  | 0 | 0 | 4279 |
| MICROSOFT CORP | COM | 594918104 |  | 1001715 | 1934 | SH |  | SOLE |  | 0 | 0 | 1934 |
| NETFLIX INC | COM | 64110L106 |  | 257768 | 215 | SH |  | SOLE |  | 0 | 0 | 215 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 8606006 | 46125 | SH |  | SOLE |  | 0 | 0 | 46125 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 509649 | 3142 | SH |  | SOLE |  | 0 | 0 | 3142 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 332909 | 6368 | SH |  | SOLE |  | 0 | 0 | 6368 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 309656 | 2015 | SH |  | SOLE |  | 0 | 0 | 2015 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 |  | 1774865 | 17220 | SH |  | SOLE |  | 0 | 0 | 17220 |
| SHOPIFY INC | CL A SUB VTG SHS | 82509L107 |  | 584929 | 3936 | SH |  | SOLE |  | 0 | 0 | 3936 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 21417053 | 60250 | SH |  | SOLE |  | 0 | 0 | 60250 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2229704 | 3347 | SH |  | SOLE |  | 0 | 0 | 3347 |
| SPDR SERIES TRUST | AEROSPACE DEF | 78464A631 |  | 496940 | 2115 | SH |  | SOLE |  | 0 | 0 | 2115 |
| SSGA ACTIVE ETF TR | GLOBL ALLO ETF | 78467V400 |  | 8752162 | 178185 | SH |  | SOLE |  | 0 | 0 | 178185 |
| STRYKER CORPORATION | COM | 863667101 |  | 8290461 | 22427 | SH |  | SOLE |  | 0 | 0 | 22427 |
| TESLA INC | COM | 88160R101 |  | 551452 | 1240 | SH |  | SOLE |  | 0 | 0 | 1240 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 335483 | 4511 | SH |  | SOLE |  | 0 | 0 | 4511 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4828327 | 14713 | SH |  | SOLE |  | 0 | 0 | 14713 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 431116 | 704 | SH |  | SOLE |  | 0 | 0 | 704 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 313188 | 6255 | SH |  | SOLE |  | 0 | 0 | 6255 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 416010 | 2216 | SH |  | SOLE |  | 0 | 0 | 2216 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 613954 | 2365 | SH |  | SOLE |  | 0 | 0 | 2365 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 2631680 | 3525 | SH |  | SOLE |  | 0 | 0 | 3525 |
| WALMART INC | COM | 931142103 |  | 542920 | 5268 | SH |  | SOLE |  | 0 | 0 | 5268 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 202090 | 2411 | SH |  | SOLE |  | 0 | 0 | 2411 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 6332659 | 82834 | SH |  | SOLE |  | 0 | 0 | 82834 |
| ZOETIS INC | CL A | 98978V103 |  | 763205 | 5216 | SH |  | SOLE |  | 0 | 0 | 5216 |

---