# EDGAR Filing Document

**Accession Number:** 0002033299
**File Stem:** 0002033299-25-000008
**Filing Date:** 2025-10
**Character Count:** 14363
**Document Hash:** 98e61b763c3e882d007b72f06602c5cc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002033299-25-000008.hdr.sgml**: 20251015

**ACCESSION NUMBER**: 0002033299-25-000008

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251015

**DATE AS OF CHANGE**: 20251015

**EFFECTIVENESS DATE**: 20251015

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VESTIA PERSONAL WEALTH ADVISORS
- **CENTRAL INDEX KEY:** 0002033299

**ORGANIZATION NAME:**
- **EIN:** 822900112
- **STATE OF INCORPORATION:** IN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24284
- **FILM NUMBER:** 251394640

**BUSINESS ADDRESS:**
- **STREET 1:** 9121 ILLINOIS ROAD
- **STREET 2:** SUITE 51
- **CITY:** FORT WAYNE
- **STATE:** IN
- **ZIP:** 46804
- **BUSINESS PHONE:** 877-669-1126

**MAIL ADDRESS:**
- **STREET 1:** 9121 ILLINOIS ROAD
- **STREET 2:** SUITE 51
- **CITY:** FORT WAYNE
- **STATE:** IN
- **ZIP:** 46804

### 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:** VESTIA PERSONAL WEALTH ADVISORS<br>**Address:** 9121 ILLINOIS ROAD<br>SUITE 51<br>FORT WAYNE, IN 46804

**Form 13F File Number:** 028-24284

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:** MICHELLE ELDRIDGE<br>**Title:** SR. COMPLIANCE OFFICER<br>**Phone:** 971-371-3446

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

MICHELLE ELDRIDGE  PORTLAND, OR  10-15-2025<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:** 99

**Form 13F Information Table Value Total:** $172548873

      (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 |
| DIMENSIONAL INTERNATIONAL VALUE ETF | ETF | 25434V807 |  | 16044271 | 347881 | SH |  | SOLE |  | 0 | 0 | 347881 |
| DIMENSIONAL U.S. CORE EQUITY 2 ETF | ETF | 25434V708 |  | 15980862 | 422740 | SH |  | SOLE |  | 0 | 0 | 422740 |
| DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF | ETF | 25434V799 |  | 14353028 | 437726 | SH |  | SOLE |  | 0 | 0 | 437726 |
| DIMENSIONAL U.S. TARGETED VALUE ETF | ETF | 25434V609 |  | 10929435 | 187759 | SH |  | SOLE |  | 0 | 0 | 187759 |
| DIMENSIONAL US MARKETWIDE VALUE ETF | ETF | 25434V724 |  | 10879748 | 243449 | SH |  | SOLE |  | 0 | 0 | 243449 |
| DIMENSIONAL US SMALL CAP VALUE ETF | ETF | 25434V815 |  | 7358670 | 231114 | SH |  | SOLE |  | 0 | 0 | 231114 |
| DIMENSIONAL U.S. SMALL CAP ETF | ETF | 25434V500 |  | 6894590 | 100710 | SH |  | SOLE |  | 0 | 0 | 100710 |
| DIMENSIONAL NATIONAL MUNICIPAL BOND ETF | ETF | 25434V849 |  | 6036092 | 125804 | SH |  | SOLE |  | 0 | 0 | 125804 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 5519655 | 9013 | SH |  | SOLE |  | 0 | 0 | 9013 |
| DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF | ETF | 25434V732 |  | 5134830 | 160113 | SH |  | SOLE |  | 0 | 0 | 160113 |
| DIMENSIONAL U.S. EQUITY MARKET ETF | ETF | 25434V401 |  | 4810090 | 66401 | SH |  | SOLE |  | 0 | 0 | 66401 |
| DIMENSIONAL ULTRASHORT FIXED INCOME ETF | ETF | 25434V591 |  | 3850567 | 75828 | SH |  | SOLE |  | 0 | 0 | 75828 |
| DIMENSIONAL EMERGING MARKETS VALUE ETF | ETF | 25434V740 |  | 3764352 | 127149 | SH |  | SOLE |  | 0 | 0 | 127149 |
| DIMENSIONAL CORE FIXED INCOME ETF | ETF | 25434V872 |  | 3370170 | 78816 | SH |  | SOLE |  | 0 | 0 | 78816 |
| DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF | ETF | 25434V781 |  | 2695848 | 75535 | SH |  | SOLE |  | 0 | 0 | 75535 |
| APPLE INC COM | Stock | 037833100 |  | 2534502 | 9954 | SH |  | SOLE |  | 0 | 0 | 9954 |
| DIMENSIONAL US LARGE CAP VALUE ETF | ETF | 25434V666 |  | 2443087 | 74258 | SH |  | SOLE |  | 0 | 0 | 74258 |
| DIMENSIONAL GLOBAL REAL ESTATE ETF | ETF | 25434V658 |  | 2367794 | 86701 | SH |  | SOLE |  | 0 | 0 | 86701 |
| DIMENSIONAL SHORT-DURATION FIXED INCOME ETF | ETF | 25434V864 |  | 1884656 | 39109 | SH |  | SOLE |  | 0 | 0 | 39109 |
| DIMENSIONAL US CORE EQUITY MARKET ETF | ETF | 25434V104 |  | 1837983 | 40166 | SH |  | SOLE |  | 0 | 0 | 40166 |
| INNOVATOR LADDERED ALLOCATION POWER BUFFER ETF | ETF | 45783Y814 |  | 1766536 | 36158 | SH |  | SOLE |  | 0 | 0 | 36158 |
| DIMENSIONAL US REAL ESTATE ETF | ETF | 25434V823 |  | 1766438 | 74064 | SH |  | SOLE |  | 0 | 0 | 74064 |
| DIMENSIONAL INTERNATIONAL SMALL CAP ETF | ETF | 25434V773 |  | 1743255 | 55114 | SH |  | SOLE |  | 0 | 0 | 55114 |
| INNOVATOR US EQUITY ACCELERATED ETF | ETF | 45783Y103 |  | 1666303 | 41804 | SH |  | SOLE |  | 0 | 0 | 41804 |
| DIMENSIONAL WORLD EQUITY ETF | ETF | 25434V617 |  | 1535449 | 21367 | SH |  | SOLE |  | 0 | 0 | 21367 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 1489053 | 2875 | SH |  | SOLE |  | 0 | 0 | 2875 |
| NVIDIA CORPORATION COM | Stock | 67066G104 |  | 1473373 | 7897 | SH |  | SOLE |  | 0 | 0 | 7897 |
| DIMENSIONAL INFLATION-PROTECTED SECURITIES ETF | ETF | 25434V856 |  | 1380963 | 32701 | SH |  | SOLE |  | 0 | 0 | 32701 |
| DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF | ETF | 25434V203 |  | 1217885 | 33504 | SH |  | SOLE |  | 0 | 0 | 33504 |
| FIDELITY ENHANCED LARGE CAP VALUE ETF | ETF | 31609A107 |  | 1128371 | 33653 | SH |  | SOLE |  | 0 | 0 | 33653 |
| AMAZON COM INC COM | Stock | 023135106 |  | 1032199 | 4701 | SH |  | SOLE |  | 0 | 0 | 4701 |
| SPDR S 500 ETF TRUST | ETF | 78462F103 |  | 999850 | 1501 | SH |  | SOLE |  | 0 | 0 | 1501 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 906818 | 3730 | SH |  | SOLE |  | 0 | 0 | 3730 |
| TESLA INC COM | Stock | 88160R101 |  | 856753 | 1927 | SH |  | SOLE |  | 0 | 0 | 1927 |
| INNOVATOR U.S. EQUITY ACCELERATED 9 BUFFER ETF - APRIL | ETF | 45783Y301 |  | 840913 | 22210 | SH |  | SOLE |  | 0 | 0 | 22210 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 667849 | 18279 | SH |  | SOLE |  | 0 | 0 | 18279 |
| BROADCOM INC COM | Stock | 11135F101 |  | 664643 | 2015 | SH |  | SOLE |  | 0 | 0 | 2015 |
| SPDR PORTFOLIO S 500 VALUE ETF | ETF | 78464A508 |  | 625330 | 11302 | SH |  | SOLE |  | 0 | 0 | 11302 |
| SPDR S 600 SMALL CAP VALUE ETF | ETF | 78464A300 |  | 625094 | 7051 | SH |  | SOLE |  | 0 | 0 | 7051 |
| VANECK URANIUM AND NUCLEAR ETF | ETF | 92189F601 |  | 624654 | 4605 | SH |  | SOLE |  | 0 | 0 | 4605 |
| ISHARES S SMALL-CAP 600 VALUE ETF | ETF | 464287879 |  | 610497 | 5520 | SH |  | SOLE |  | 0 | 0 | 5520 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 598944 | 895 | SH |  | SOLE |  | 0 | 0 | 895 |
| DIMENSIONAL US VECTOR EQUITY ETF | ETF | 25434V559 |  | 563130 | 9636 | SH |  | SOLE |  | 0 | 0 | 9636 |
| SPDR S INTERNATIONAL SMALL CAP ETF | ETF | 78463X871 |  | 561765 | 13981 | SH |  | SOLE |  | 0 | 0 | 13981 |
| DIMENSIONAL US CORE EQUITY 1 ETF | ETF | 25434V625 |  | 553981 | 7701 | SH |  | SOLE |  | 0 | 0 | 7701 |
| CATERPILLAR INC COM | Stock | 149123101 |  | 551093 | 1155 | SH |  | SOLE |  | 0 | 0 | 1155 |
| ELI LILLY  CO COM | Stock | 532457108 |  | 528261 | 692 | SH |  | SOLE |  | 0 | 0 | 692 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 513962 | 2772 | SH |  | SOLE |  | 0 | 0 | 2772 |
| SPDR PORTFOLIO S 1500 COMPOSITE STOCK MARKET ETF | ETF | 78464A805 |  | 498349 | 6179 | SH |  | SOLE |  | 0 | 0 | 6179 |
| META PLATFORMS INC CL A | Stock | 30303M102 |  | 493359 | 672 | SH |  | SOLE |  | 0 | 0 | 672 |
| INNOVATOR U.S. EQUITY ACCELERATED PLUS ETF | ETF | 45783Y400 |  | 482600 | 12173 | SH |  | SOLE |  | 0 | 0 | 12173 |
| VANGUARD SMALL-CAP ETF | ETF | 922908751 |  | 480732 | 1891 | SH |  | SOLE |  | 0 | 0 | 1891 |
| SPDR MSCI ACWI EX-US ETF | ETF | 78463X848 |  | 474214 | 13580 | SH |  | SOLE |  | 0 | 0 | 13580 |
| ORACLE CORP COM | Stock | 68389X105 |  | 461353 | 1640 | SH |  | SOLE |  | 0 | 0 | 1640 |
| INNOVATOR DEFINED WEALTH SHIELD ETF | ETF | 45783Y855 |  | 456854 | 13920 | SH |  | SOLE |  | 0 | 0 | 13920 |
| INTERNATIONAL BUSINESS MACHS COM | Stock | 459200101 |  | 448634 | 1590 | SH |  | SOLE |  | 0 | 0 | 1590 |
| VANGUARD SHORT-TERM BOND ETF | ETF | 921937827 |  | 446224 | 5655 | SH |  | SOLE |  | 0 | 0 | 5655 |
| SPDR PORTFOLIO S 500 ETF | ETF | 78464A854 |  | 429003 | 82151 | SH |  | SOLE |  | 0 | 0 | 82151 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 402695 | 801 | SH |  | SOLE |  | 0 | 0 | 801 |
| INNOVATOR U.S. EQUITY ACCELERATED 9 BUFFER ETF - OCTOBER | ETF | 45783Y848 |  | 402693 | 12277 | SH |  | SOLE |  | 0 | 0 | 12277 |
| JPMORGAN CHASE  CO. COM | Stock | 46625H100 |  | 397500 | 1260 | SH |  | SOLE |  | 0 | 0 | 1260 |
| INNOVATOR INTERNATIONAL DEVELOPED POWER BUFFER ETF - JANUARY | ETF | 45782C524 |  | 387474 | 11011 | SH |  | SOLE |  | 0 | 0 | 11011 |
| DIMENSIONAL INTERNATIONAL VECTOR EQUITY ETF | ETF | 25434V542 |  | 387396 | 6296 | SH |  | SOLE |  | 0 | 0 | 6296 |
| CHEVRON CORP NEW COM | Stock | 166764100 |  | 381548 | 2457 | SH |  | SOLE |  | 0 | 0 | 2457 |
| NETFLIX INC COM | Stock | 64110L106 |  | 381257 | 318 | SH |  | SOLE |  | 0 | 0 | 318 |
| HERSHEY CO COM | Stock | 427866108 |  | 378402 | 2023 | SH |  | SOLE |  | 0 | 0 | 2023 |
| TECHNOLOGY SELECT SECTOR SPDR FUND | ETF | 81369Y803 |  | 366418 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 358916 | 1474 | SH |  | SOLE |  | 0 | 0 | 1474 |
| VANGUARD RUSSELL 1000 VALUE ETF | ETF | 92206C714 |  | 353956 | 3961 | SH |  | SOLE |  | 0 | 0 | 3961 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | ETF | 921943858 |  | 345334 | 5763 | SH |  | SOLE |  | 0 | 0 | 5763 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 333356 | 2957 | SH |  | SOLE |  | 0 | 0 | 2957 |
| AUTONATION INC COM | Stock | 05329W102 |  | 332749 | 1521 | SH |  | SOLE |  | 0 | 0 | 1521 |
| WALMART INC COM | Stock | 931142103 |  | 328723 | 3190 | SH |  | SOLE |  | 0 | 0 | 3190 |
| SPDR PORTFOLIO EMERGING MARKETS ETF | ETF | 78463X509 |  | 322894 | 6898 | SH |  | SOLE |  | 0 | 0 | 6898 |
| MPLX LP COM UNIT REP LTD | Stock | 55336V100 |  | 322677 | 6460 | SH |  | SOLE |  | 0 | 0 | 6460 |
| VANGUARD SMALL CAP VALUE ETF | ETF | 922908611 |  | 307945 | 1475 | SH |  | SOLE |  | 0 | 0 | 1475 |
| VANGUARD VALUE ETF | ETF | 922908744 |  | 305902 | 1640 | SH |  | SOLE |  | 0 | 0 | 1640 |
| ISHARES S 500 GROWTH ETF | ETF | 464287309 |  | 301800 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| DIMENSIONAL EMERGING CORE EQUITY MARKET ETF | ETF | 25434V302 |  | 297749 | 9443 | SH |  | SOLE |  | 0 | 0 | 9443 |
| SPDR PORTFOLIO S 600 SMALL CAP ETF | ETF | 78468R853 |  | 297656 | 6426 | SH |  | SOLE |  | 0 | 0 | 6426 |
| BOSTON SCIENTIFIC CORP COM | Stock | 101137107 |  | 297186 | 3044 | SH |  | SOLE |  | 0 | 0 | 3044 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 292320 | 1903 | SH |  | SOLE |  | 0 | 0 | 1903 |
| STRATEGY INC CL A NEW | Stock | 594972408 |  | 287734 | 893 | SH |  | SOLE |  | 0 | 0 | 893 |
| WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND | ETF | 97717W760 |  | 262809 | 3305 | SH |  | SOLE |  | 0 | 0 | 3305 |
| SCHWAB 1000 INDEX ETF | ETF | 808524722 |  | 252463 | 7860 | SH |  | SOLE |  | 0 | 0 | 7860 |
| COCA COLA CO COM | Stock | 191216100 |  | 243454 | 3679 | SH |  | SOLE |  | 0 | 0 | 3679 |
| VANGUARD FTSE EMERGING MARKETS ETF | ETF | 922042858 |  | 240404 | 4437 | SH |  | SOLE |  | 0 | 0 | 4437 |
| GRAYSCALE BITCOIN TRUST ETF | ETF | 389637109 |  | 237980 | 2651 | SH |  | SOLE |  | 0 | 0 | 2651 |
| INNOVATOR U.S. EQUITY ACCELERATED 9 BUFFER ETF - JANUARY | ETF | 45783Y780 |  | 236974 | 7573 | SH |  | SOLE |  | 0 | 0 | 7573 |
| VISA INC COM CL A | Stock | 92826C839 |  | 231361 | 678 | SH |  | SOLE |  | 0 | 0 | 678 |
| INNOVATOR U.S. EQUITY ACCELERATED PLUS ETF - JANUARY | ETF | 45783Y772 |  | 230895 | 7493 | SH |  | SOLE |  | 0 | 0 | 7493 |
| VANGUARD DIVIDEND APPRECIATION ETF | ETF | 921908844 |  | 223774 | 1037 | SH |  | SOLE |  | 0 | 0 | 1037 |
| PALO ALTO NETWORKS INC COM | Stock | 697435105 |  | 218077 | 1071 | SH |  | SOLE |  | 0 | 0 | 1071 |
| COSTCO WHSL CORP NEW COM | Stock | 22160K105 |  | 213821 | 231 | SH |  | SOLE |  | 0 | 0 | 231 |
| PROSHARES ULTRAPRO QQQ | ETF | 74347X831 |  | 154444 | 154444 | SH |  | SOLE |  | 0 | 0 | 154444 |
| NUVEEN CHURCHILL DIRECT LENDIN COM SHS | CEF | 67090S108 |  | 151607 | 10986 | SH |  | SOLE |  | 0 | 0 | 10986 |
| FS CREDIT OPPORTUNITIES CORP COMMON STOCK | CEF | 30290Y101 |  | 111314 | 16109 | SH |  | SOLE |  | 0 | 0 | 16109 |
| INSPIREMD INC COM | Stock | 45779A846 |  | 102244 | 42425 | SH |  | SOLE |  | 0 | 0 | 42425 |
| VANGUARD FTSE ALL-WORLD EX-US INDEX FUND | ETF | 922042775 |  | 10058 | 10058 | SH |  | SOLE |  | 0 | 0 | 10058 |

---