# EDGAR Filing Document

**Accession Number:** 0001916066
**File Stem:** 0001172661-25-002708
**Filing Date:** 2025-7
**Character Count:** 7475
**Document Hash:** 90e8397181a7390b9ffbc25d0cc04f7f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-002708.hdr.sgml**: 20250724

**ACCESSION NUMBER**: 0001172661-25-002708

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250724

**DATE AS OF CHANGE**: 20250724

**EFFECTIVENESS DATE**: 20250724

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FinDec Wealth Services, Inc.
- **CENTRAL INDEX KEY:** 0001916066

**ORGANIZATION NAME:**
- **EIN:** 853994987
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22758
- **FILM NUMBER:** 251146645

**BUSINESS ADDRESS:**
- **STREET 1:** 1776 W. MARCH LANE
- **STREET 2:** SUITE 190
- **CITY:** STOCKTON
- **STATE:** CA
- **ZIP:** 95207
- **BUSINESS PHONE:** 209-957-7413

**MAIL ADDRESS:**
- **STREET 1:** 1776 W. MARCH LANE
- **STREET 2:** SUITE 190
- **CITY:** STOCKTON
- **STATE:** CA
- **ZIP:** 95207

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** FinDec Wealth Services Inc.<br>**Address:** 1776 W. March Lane<br>Suite 190<br>Stockton, CA 95207

**Form 13F File Number:** 028-22758

**CRD Number (if applicable):** 000311949

**SEC File Number (if applicable):** 801-120139

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:** Kenneth R. Herold<br>**Title:** Chief Compliance Officer<br>**Phone:** 209-224-7272

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

/s/ Kenneth R. Herold  Stockton, CA  07-24-2025<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:** 35

**Form 13F Information Table Value Total:** $95633305

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 202981 | 925 | SH |  | SOLE |  | 0 | 0 | 925 |
| APPLE INC | COM | 037833100 |  | 1676661 | 8172 | SH |  | SOLE |  | 0 | 0 | 8172 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 1457600 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| CAPITAL GROUP CORE EQUITY ET | SHS CREATION UNI | 14020V108 |  | 285785 | 7739 | SH |  | SOLE |  | 0 | 0 | 7739 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 692360 | 17533 | SH |  | SOLE |  | 0 | 0 | 17533 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 323728 | 10126 | SH |  | SOLE |  | 0 | 0 | 10126 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 306823 | 7548 | SH |  | SOLE |  | 0 | 0 | 7548 |
| CAPITAL GRP FIXED INCM ETF T | CORE PLUS INCM | 14020Y102 |  | 16691059 | 741825 | SH |  | SOLE |  | 0 | 0 | 741825 |
| CARDIFF ONCOLOGY INC | COM | 14147L108 |  | 50400 | 16000 | SH |  | SOLE |  | 0 | 0 | 16000 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 5046395 | 119413 | SH |  | SOLE |  | 0 | 0 | 119413 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 2635883 | 91049 | SH |  | SOLE |  | 0 | 0 | 91049 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 334457 | 7809 | SH |  | SOLE |  | 0 | 0 | 7809 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 8451014 | 244461 | SH |  | SOLE |  | 0 | 0 | 244461 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 380490 | 7925 | SH |  | SOLE |  | 0 | 0 | 7925 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 11949783 | 282101 | SH |  | SOLE |  | 0 | 0 | 282101 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 11590459 | 373645 | SH |  | SOLE |  | 0 | 0 | 373645 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 229296 | 3599 | SH |  | SOLE |  | 0 | 0 | 3599 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 354144 | 6563 | SH |  | SOLE |  | 0 | 0 | 6563 |
| GLOBAL X FDS | S 500 CATHOLIC | 37954Y889 |  | 262488 | 3479 | SH |  | SOLE |  | 0 | 0 | 3479 |
| INVESCO EXCH TRADED FD TR II | S INTL MOMNT | 46138E222 |  | 223707 | 4366 | SH |  | SOLE |  | 0 | 0 | 4366 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 783048 | 12501 | SH |  | SOLE |  | 0 | 0 | 12501 |
| MICROSOFT CORP | COM | 594918104 |  | 501650 | 1009 | SH |  | SOLE |  | 0 | 0 | 1009 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 441047 | 2792 | SH |  | SOLE |  | 0 | 0 | 2792 |
| PEPSICO INC | COM | 713448108 |  | 485996 | 3681 | SH |  | SOLE |  | 0 | 0 | 3681 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 213904 | 729 | SH |  | SOLE |  | 0 | 0 | 729 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 894994 | 29695 | SH |  | SOLE |  | 0 | 0 | 29695 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 1626068 | 73578 | SH |  | SOLE |  | 0 | 0 | 73578 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 13251604 | 453667 | SH |  | SOLE |  | 0 | 0 | 453667 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 244679 | 8843 | SH |  | SOLE |  | 0 | 0 | 8843 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 315411 | 12906 | SH |  | SOLE |  | 0 | 0 | 12906 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 1237286 | 15998 | SH |  | SOLE |  | 0 | 0 | 15998 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 4921195 | 17586 | SH |  | SOLE |  | 0 | 0 | 17586 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 468609 | 825 | SH |  | SOLE |  | 0 | 0 | 825 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 4487591 | 18937 | SH |  | SOLE |  | 0 | 0 | 18937 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2614710 | 8603 | SH |  | SOLE |  | 0 | 0 | 8603 |

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