# EDGAR Filing Document

**Accession Number:** 0001967332
**File Stem:** 0001967332-23-000002
**Filing Date:** 2023-3
**Character Count:** 13322
**Document Hash:** 0130741e4b23dac056ff4169a8b9f144
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001967332-23-000002.hdr.sgml**: 20230301

**ACCESSION NUMBER**: 0001967332-23-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230301

**DATE AS OF CHANGE**: 20230301

**EFFECTIVENESS DATE**: 20230301

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PANORAMIC INVESTMENT ADVISORS, LLC
- **CENTRAL INDEX KEY:** 0001967332
- **IRS NUMBER:** 823115494
- **STATE OF INCORPORATION:** CO
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23152
- **FILM NUMBER:** 23691615

**BUSINESS ADDRESS:**
- **STREET 1:** 650 S. CHERRY ST SUITE 840
- **CITY:** DENVER
- **STATE:** CO
- **ZIP:** 80246
- **BUSINESS PHONE:** 3038080815

**MAIL ADDRESS:**
- **STREET 1:** 650 S. CHERRY ST SUITE 840
- **CITY:** DENVER
- **STATE:** CO
- **ZIP:** 80246

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** PANORAMIC INVESTMENT ADVISORS LLC<br>**Address:** 650 S. CHERRY ST SUITE 840<br>DENVER, CO 80246

**Form 13F File Number:** 028-23152

**CRD Number (if applicable):** 000290770

**SEC File Number (if applicable):** 801-112146

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:** Stacie Craddock<br>**Title:** Chief Compliance Officer<br>**Phone:** 3038080815

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

Stacie Craddock  Broomfield, CO  03-01-2023<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:** 94

**Form 13F Information Table Value Total:** $97530143

      (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 |
| 3M CO | COM | 88579Y101 |  | 267542 | 2231 | SH |  | SOLE |  | 2171 | 0 | 60 |
| ABBOTT LABS | COM | 002824100 |  | 3692370 | 33631 | SH |  | SOLE |  | 33446 | 0 | 185 |
| AETHLON MED INC | COM | 00808Y307 |  | 9639 | 35000 | SH |  | SOLE |  | 35000 | 0 | 0 |
| AIM ETF PRODUCTS TRUST | US LRG CP BFR 10 | 00888H604 |  | 381394 | 13500 | SH |  | SOLE |  | 10500 | 0 | 3000 |
| AIM ETF PRODUCTS TRUST | US LRG CP BUFR20 | 00888H505 |  | 208721 | 7500 | SH |  | SOLE |  | 5000 | 0 | 2500 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 4573322 | 51542 | SH |  | SOLE |  | 50522 | 0 | 1020 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1141255 | 12935 | SH |  | SOLE |  | 12685 | 0 | 250 |
| AMAZON COM INC | COM | 023135106 |  | 718788 | 8557 | SH |  | SOLE |  | 7507 | 0 | 1050 |
| APPLE INC | COM | 037833100 |  | 1038009 | 7989 | SH |  | SOLE |  | 6944 | 0 | 1045 |
| ARBOR REALTY TRUST INC | COM | 038923108 |  | 253050 | 19185 | SH |  | SOLE |  | 19185 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 193139 | 10491 | SH |  | SOLE |  | 10491 | 0 | 0 |
| BARINGS BDC INC | COM | 06759L103 |  | 280262 | 34388 | SH |  | SOLE |  | 34388 | 0 | 0 |
| BAXTER INTL INC | COM | 071813109 |  | 328094 | 6437 | SH |  | SOLE |  | 6437 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1945761 | 6299 | SH |  | SOLE |  | 6299 | 0 | 0 |
| CELLDEX THERAPEUTICS INC NEW | COM NEW | 15117B202 |  | 289705 | 6500 | SH |  | SOLE |  | 6500 | 0 | 0 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 251224 | 7184 | SH |  | SOLE |  | 7184 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 391014 | 3545 | SH |  | SOLE |  | 3545 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI HLTH CARE I | 316092600 |  | 307591 | 4808 | SH |  | SOLE |  | 4808 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI FINLS IDX | 316092501 |  | 341812 | 7130 | SH |  | SOLE |  | 6205 | 0 | 925 |
| FIRST TR EXCH TRADED FD III | SHRT DUR MNG MUN | 33739P830 |  | 788892 | 39964 | SH |  | SOLE |  | 39964 | 0 | 0 |
| FIRST TR EXCHANGE TRAD FD VI | FST TR GLB FD | 33739H101 |  | 1091177 | 44556 | SH |  | SOLE |  | 43907 | 0 | 649 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 1308034 | 17452 | SH |  | SOLE |  | 17452 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 |  | 524208 | 11057 | SH |  | SOLE |  | 10807 | 0 | 250 |
| FIRST TR EXCHANGE-TRADED FD | RISNG DIVD ACHIV | 33738R506 |  | 806635 | 18366 | SH |  | SOLE |  | 18366 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | FT CBOE VEST US | 33740U307 |  | 338549 | 10115 | SH |  | SOLE |  | 10115 | 0 | 0 |
| FORD MTR CO DEL | COM | 345370860 |  | 276445 | 23770 | SH |  | SOLE |  | 23370 | 0 | 400 |
| FS CREDIT OPPORTUNITIES CORP | COMMON STOCK | 30290Y101 |  | 176667 | 37509 | SH |  | SOLE |  | 37509 | 0 | 0 |
| FS KKR CAP CORP | COM | 302635206 |  | 457048 | 26117 | SH |  | SOLE |  | 26117 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | CEF INM COMPSI | 46138E404 |  | 327608 | 18080 | SH |  | SOLE |  | 18080 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 495707 | 7758 | SH |  | SOLE |  | 7758 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FINL PFD ETF | 46137V621 |  | 194657 | 13518 | SH |  | SOLE |  | 13518 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1376495 | 5169 | SH |  | SOLE |  | 5169 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 224143 | 6480 | SH |  | SOLE |  | 6480 | 0 | 0 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 408208 | 8599 | SH |  | SOLE |  | 8589 | 0 | 10 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1152021 | 12173 | SH |  | SOLE |  | 11324 | 0 | 849 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 2219049 | 22879 | SH |  | SOLE |  | 22641 | 0 | 238 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 2336756 | 46355 | SH |  | SOLE |  | 45910 | 0 | 445 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 3240540 | 64759 | SH |  | SOLE |  | 64179 | 0 | 580 |
| ISHARES TR | U.S. MED DVC ETF | 464288810 |  | 1499797 | 28530 | SH |  | SOLE |  | 28320 | 0 | 210 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 988086 | 4085 | SH |  | SOLE |  | 4084 | 0 | 1 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 336168 | 3335 | SH |  | SOLE |  | 2135 | 0 | 1200 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1295371 | 21015 | SH |  | SOLE |  | 19067 | 0 | 1948 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 431643 | 9607 | SH |  | SOLE |  | 9542 | 0 | 65 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 214051 | 2011 | SH |  | SOLE |  | 1403 | 0 | 608 |
| ISHARES TR | MRNING SM CP ETF | 464288703 |  | 737691 | 14170 | SH |  | SOLE |  | 14170 | 0 | 0 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 243524 | 8966 | SH |  | SOLE |  | 8766 | 0 | 200 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 590921 | 11861 | SH |  | SOLE |  | 11861 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1258308 | 3275 | SH |  | SOLE |  | 3275 | 0 | 0 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 462515 | 9342 | SH |  | SOLE |  | 9342 | 0 | 0 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 293693 | 9620 | SH |  | SOLE |  | 9620 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 495995 | 5849 | SH |  | SOLE |  | 5849 | 0 | 0 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 |  | 353235 | 4291 | SH |  | SOLE |  | 4201 | 0 | 90 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 619824 | 11375 | SH |  | SOLE |  | 7800 | 0 | 3575 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 241299 | 496 | SH |  | SOLE |  | 496 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 690553 | 6224 | SH |  | SOLE |  | 5914 | 0 | 310 |
| MICROSOFT CORP | COM | 594918104 |  | 937303 | 3908 | SH |  | SOLE |  | 3401 | 0 | 507 |
| MIDCAP FINANCIAL INVSTMNT CO | COM NEW | 03761U502 |  | 611382 | 53630 | SH |  | SOLE |  | 53630 | 0 | 0 |
| NORTHERN LTS FD TR III | HCM DEFND 100 | 66538R748 |  | 1019349 | 29937 | SH |  | SOLE |  | 29937 | 0 | 0 |
| NORTHERN LTS FD TR III | HCM DEFEN 500 | 66538R730 |  | 1062323 | 31854 | SH |  | SOLE |  | 31854 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 2705225 | 14974 | SH |  | SOLE |  | 14974 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 267210 | 2640 | SH |  | SOLE |  | 2640 | 0 | 0 |
| REALTY INCOME CORP | COM | 756109104 |  | 391811 | 6177 | SH |  | SOLE |  | 6177 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 9735724 | 128882 | SH |  | SOLE |  | 127500 | 0 | 1382 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 2040096 | 36719 | SH |  | SOLE |  | 36719 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 3776300 | 57199 | SH |  | SOLE |  | 57199 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1162356 | 17716 | SH |  | SOLE |  | 17716 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 955952 | 23598 | SH |  | SOLE |  | 23598 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 987419 | 19066 | SH |  | SOLE |  | 19046 | 0 | 20 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 1117086 | 24929 | SH |  | SOLE |  | 24929 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 1345786 | 15386 | SH |  | SOLE |  | 15386 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 529815 | 3900 | SH |  | SOLE |  | 3400 | 0 | 500 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 200217 | 5854 | SH |  | SOLE |  | 5854 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 230541 | 1359 | SH |  | SOLE |  | 1359 | 0 | 0 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 6585409 | 146407 | SH |  | SOLE |  | 144197 | 0 | 2210 |
| SPDR SER TR | PRTFLO S HI | 78468R788 |  | 337328 | 8523 | SH |  | SOLE |  | 8273 | 0 | 250 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 3146410 | 48473 | SH |  | SOLE |  | 47539 | 0 | 934 |
| VANECK ETF TRUST | FALLEN ANGEL HG | 92189F437 |  | 227358 | 8414 | SH |  | SOLE |  | 8414 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1230357 | 5773 | SH |  | SOLE |  | 5668 | 0 | 105 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 626570 | 7597 | SH |  | SOLE |  | 6930 | 0 | 667 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 775292 | 4882 | SH |  | SOLE |  | 4805 | 0 | 77 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2865952 | 8157 | SH |  | SOLE |  | 8032 | 0 | 125 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 898118 | 17365 | SH |  | SOLE |  | 17365 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 2139053 | 19768 | SH |  | SOLE |  | 19498 | 0 | 270 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 300829 | 5050 | SH |  | SOLE |  | 3950 | 0 | 1100 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 231700 | 1750 | SH |  | SOLE |  | 1750 | 0 | 0 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 379850 | 3132 | SH |  | SOLE |  | 3132 | 0 | 0 |
| VANGUARD WORLD FDS | FINANCIALS ETF | 92204A405 |  | 344139 | 4160 | SH |  | SOLE |  | 4160 | 0 | 0 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 869355 | 2722 | SH |  | SOLE |  | 2722 | 0 | 0 |
| VANGUARD WORLD FDS | UTILITIES ETF | 92204A876 |  | 435214 | 2838 | SH |  | SOLE |  | 2838 | 0 | 0 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 347350 | 1400 | SH |  | SOLE |  | 1400 | 0 | 0 |
| VANGUARD WORLD FDS | CONSUM STP ETF | 92204A207 |  | 284322 | 1484 | SH |  | SOLE |  | 1484 | 0 | 0 |
| WELLTOWER INC | COM | 95040Q104 |  | 430991 | 6575 | SH |  | SOLE |  | 6575 | 0 | 0 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 596755 | 9839 | SH |  | SOLE |  | 9839 | 0 | 0 |
| XCEL ENERGY INC | COM | 98389B100 |  | 293691 | 4189 | SH |  | SOLE |  | 4189 | 0 | 0 |

---