# EDGAR Filing Document

**Accession Number:** 0001593038
**File Stem:** 0001104659-26-012393
**Filing Date:** 2026-2
**Character Count:** 14947
**Document Hash:** 626342c21a066a7f3bf663bf122d9b59
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-012393.hdr.sgml**: 20260210

**ACCESSION NUMBER**: 0001104659-26-012393

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260210

**DATE AS OF CHANGE**: 20260210

**EFFECTIVENESS DATE**: 20260210

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Coyle Financial Counsel LLC
- **CENTRAL INDEX KEY:** 0001593038

**ORGANIZATION NAME:**
- **EIN:** 362705245
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16084
- **FILM NUMBER:** 26613726

**BUSINESS ADDRESS:**
- **STREET 1:** 2700 PATRIOT BLVD
- **STREET 2:** SUITE 440
- **CITY:** GLENVIEW
- **STATE:** IL
- **ZIP:** 60026
- **BUSINESS PHONE:** 847-441-5644

**MAIL ADDRESS:**
- **STREET 1:** 2700 PATRIOT BLVD
- **STREET 2:** SUITE 440
- **CITY:** GLENVIEW
- **STATE:** IL
- **ZIP:** 60026

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Coyle Financial Counsel, Inc.
- **DATE OF NAME CHANGE:** 20131126

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Coyle Financial Counsel LLC<br>**Address:** 2700 PATRIOT BLVD<br>SUITE 440<br>GLENVIEW, IL 60026

**Form 13F File Number:** 028-16084

**CRD Number (if applicable):** 000110593

**SEC File Number (if applicable):** 801-17378

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:** Dave Smestuen<br>**Title:** Chief Operating Officer<br>**Phone:** 847-441-5644

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

/s/ Dave Smestuen  Glenview, IL  02-09-2026<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:** 114

**Form 13F Information Table Value Total:** $467856819

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 911234 | 7273 | SH |  | SOLE |  | 7273 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 1831119 | 8014 | SH |  | SOLE |  | 8014 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3379314 | 10769 | SH |  | SOLE |  | 10769 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2431071 | 7767 | SH |  | SOLE |  | 7767 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 3956024 | 17139 | SH |  | SOLE |  | 17139 | 0 | 0 |
| AMCOR PLC | ORD | G0250X107 |  | 110171 | 13210 | SH |  | SOLE |  | 13210 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 209022 | 565 | SH |  | SOLE |  | 565 | 0 | 0 |
| AMERICAN HOMES 4 RENT | CL A | 02665T306 |  | 513488 | 15997 | SH |  | SOLE |  | 15997 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 4823736 | 17743 | SH |  | SOLE |  | 17743 | 0 | 0 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 228123 | 1741 | SH |  | SOLE |  | 1741 | 0 | 0 |
| ATI INC | COM | 01741R102 |  | 222864 | 1942 | SH |  | SOLE |  | 1942 | 0 | 0 |
| AUTOZONE INC | COM | 053332102 |  | 1587222 | 468 | SH |  | SOLE |  | 468 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 517715 | 9413 | SH |  | SOLE |  | 9413 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1142523 | 2273 | SH |  | SOLE |  | 2273 | 0 | 0 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 |  | 339446 | 3560 | SH |  | SOLE |  | 3560 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 1453620 | 4200 | SH |  | SOLE |  | 4200 | 0 | 0 |
| BRUNSWICK CORP | COM | 117043109 |  | 755837 | 10181 | SH |  | SOLE |  | 10181 | 0 | 0 |
| CARDINAL HEALTH INC | COM | 14149Y108 |  | 333116 | 1621 | SH |  | SOLE |  | 1621 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 784259 | 1369 | SH |  | SOLE |  | 1369 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 324938 | 2132 | SH |  | SOLE |  | 2132 | 0 | 0 |
| CIENA CORP | COM NEW | 171779309 |  | 2203991 | 9424 | SH |  | SOLE |  | 9424 | 0 | 0 |
| CITIGROUP INC | COM NEW | 172967424 |  | 392662 | 3365 | SH |  | SOLE |  | 3365 | 0 | 0 |
| CLEAN HARBORS INC | COM | 184496107 |  | 1931060 | 8236 | SH |  | SOLE |  | 8236 | 0 | 0 |
| CME GROUP INC | COM | 12572Q105 |  | 334523 | 1225 | SH |  | SOLE |  | 1225 | 0 | 0 |
| COCA COLA CONS INC | COM | 191098102 |  | 360474 | 2351 | SH |  | SOLE |  | 2351 | 0 | 0 |
| CRH PLC | ORD | G25508105 |  | 2133456 | 17095 | SH |  | SOLE |  | 17095 | 0 | 0 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 489385 | 1044 | SH |  | SOLE |  | 1044 | 0 | 0 |
| DECKERS OUTDOOR CORP | COM | 243537107 |  | 942982 | 9096 | SH |  | SOLE |  | 9096 | 0 | 0 |
| DELL TECHNOLOGIES INC | CL C | 24703L202 |  | 879020 | 6983 | SH |  | SOLE |  | 6983 | 0 | 0 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 444075 | 2954 | SH |  | SOLE |  | 2954 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 5386339 | 156307 | SH |  | SOLE |  | 156307 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 9251888 | 242768 | SH |  | SOLE |  | 242768 | 0 | 0 |
| DOLLAR GEN CORP NEW | COM | 256677105 |  | 235667 | 1775 | SH |  | SOLE |  | 1775 | 0 | 0 |
| EA SERIES TRUST | FREEDOM 100 EM | 02072L607 |  | 29765315 | 580560 | SH |  | SOLE |  | 580560 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 517996 | 482 | SH |  | SOLE |  | 482 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 221203 | 1838 | SH |  | SOLE |  | 1838 | 0 | 0 |
| FEDEX CORP | COM | 31428X106 |  | 222711 | 771 | SH |  | SOLE |  | 771 | 0 | 0 |
| FIDELITY COVINGTON TRUST | ENHANCED INTL | 31609A404 |  | 3643185 | 99595 | SH |  | SOLE |  | 99595 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 35100342 | 762388 | SH |  | SOLE |  | 762388 | 0 | 0 |
| FIRST HORIZON CORPORATION | COM | 320517105 |  | 768218 | 32143 | SH |  | SOLE |  | 32143 | 0 | 0 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 317242 | 6204 | SH |  | SOLE |  | 6204 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 403211 | 1309 | SH |  | SOLE |  | 1309 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 |  | 339856 | 520 | SH |  | SOLE |  | 520 | 0 | 0 |
| GENERAL MTRS CO | COM | 37045V100 |  | 344472 | 4236 | SH |  | SOLE |  | 4236 | 0 | 0 |
| GLOBE LIFE INC | COM | 37959E102 |  | 250489 | 1791 | SH |  | SOLE |  | 1791 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 858483 | 8590 | SH |  | SOLE |  | 8590 | 0 | 0 |
| HEALTHEQUITY INC | COM | 42226A107 |  | 1172150 | 12795 | SH |  | SOLE |  | 12795 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 535764 | 1557 | SH |  | SOLE |  | 1557 | 0 | 0 |
| I3 VERTICALS INC | COM CL A | 46571Y107 |  | 339108 | 13462 | SH |  | SOLE |  | 13462 | 0 | 0 |
| IDEXX LABS INC | COM | 45168D104 |  | 247610 | 366 | SH |  | SOLE |  | 366 | 0 | 0 |
| INTEL CORP | COM | 458140100 |  | 212101 | 5748 | SH |  | SOLE |  | 5748 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 28240925 | 45972 | SH |  | SOLE |  | 45972 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 20708613 | 313767 | SH |  | SOLE |  | 313767 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 77615339 | 113317 | SH |  | SOLE |  | 113317 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 472456 | 3833 | SH |  | SOLE |  | 3833 | 0 | 0 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 951651 | 2460 | SH |  | SOLE |  | 2460 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 617430 | 12207 | SH |  | SOLE |  | 12207 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 2338204 | 30159 | SH |  | SOLE |  | 30159 | 0 | 0 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 309600 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 664776 | 6623 | SH |  | SOLE |  | 6623 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 516133 | 2494 | SH |  | SOLE |  | 2494 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1218956 | 3783 | SH |  | SOLE |  | 3783 | 0 | 0 |
| KIRBY CORP | COM | 497266106 |  | 1136397 | 10314 | SH |  | SOLE |  | 10314 | 0 | 0 |
| KNIGHT-SWIFT TRANSN HLDGS IN | CL A | 499049104 |  | 513024 | 9813 | SH |  | SOLE |  | 9813 | 0 | 0 |
| LKQ CORP | COM | 501889208 |  | 1291035 | 42750 | SH |  | SOLE |  | 42750 | 0 | 0 |
| MARVELL TECHNOLOGY INC | COM | 573874104 |  | 201233 | 2368 | SH |  | SOLE |  | 2368 | 0 | 0 |
| MASCO CORP | COM | 574599106 |  | 1054800 | 16622 | SH |  | SOLE |  | 16622 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 676970 | 2215 | SH |  | SOLE |  | 2215 | 0 | 0 |
| MCKESSON CORP | COM | 58155Q103 |  | 355186 | 433 | SH |  | SOLE |  | 433 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1439656 | 2181 | SH |  | SOLE |  | 2181 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 4006792 | 8285 | SH |  | SOLE |  | 8285 | 0 | 0 |
| MONOLITHIC PWR SYS INC | COM | 609839105 |  | 233841 | 258 | SH |  | SOLE |  | 258 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 272842 | 2910 | SH |  | SOLE |  | 2910 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 6141671 | 32931 | SH |  | SOLE |  | 32931 | 0 | 0 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 219178 | 2403 | SH |  | SOLE |  | 2403 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 260759 | 1467 | SH |  | SOLE |  | 1467 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 473762 | 2572 | SH |  | SOLE |  | 2572 | 0 | 0 |
| PINNACLE FINL PARTNERS INC | COM | 72346Q104 |  | 1095784 | 11485 | SH |  | SOLE |  | 11485 | 0 | 0 |
| PINTEREST INC | CL A | 72352L106 |  | 274149 | 10589 | SH |  | SOLE |  | 10589 | 0 | 0 |
| PROGRESSIVE CORP | COM | 743315103 |  | 853381 | 3748 | SH |  | SOLE |  | 3748 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 254351 | 1487 | SH |  | SOLE |  | 1487 | 0 | 0 |
| QUANTA SVCS INC | COM | 74762E102 |  | 330895 | 784 | SH |  | SOLE |  | 784 | 0 | 0 |
| RB GLOBAL INC | COM | 74935Q107 |  | 1168603 | 11360 | SH |  | SOLE |  | 11360 | 0 | 0 |
| REINSURANCE GRP OF AMERICA I | COM NEW | 759351604 |  | 288506 | 1418 | SH |  | SOLE |  | 1418 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 431257 | 2351 | SH |  | SOLE |  | 2351 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 556489 | 10160 | SH |  | SOLE |  | 10160 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 1243613 | 8638 | SH |  | SOLE |  | 8638 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 341647 | 2207 | SH |  | SOLE |  | 2207 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET COM | 81369Y852 |  | 401778 | 3413 | SH |  | SOLE |  | 3413 | 0 | 0 |
| SERVICENOW INC | COM | 81762P102 |  | 245870 | 1605 | SH |  | SOLE |  | 1605 | 0 | 0 |
| SOMNIGROUP INTERNATIONAL INC | COM | 88023U101 |  | 2007461 | 22485 | SH |  | SOLE |  | 22485 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2145350 | 3146 | SH |  | SOLE |  | 3146 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 1658417 | 2749 | SH |  | SOLE |  | 2749 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 2299121 | 25160 | SH |  | SOLE |  | 25160 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 683574 | 1520 | SH |  | SOLE |  | 1520 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 |  | 328725 | 2140 | SH |  | SOLE |  | 2140 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 303492 | 1312 | SH |  | SOLE |  | 1312 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 606348 | 6113 | SH |  | SOLE |  | 6113 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 215892 | 654 | SH |  | SOLE |  | 654 | 0 | 0 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 18040281 | 361964 | SH |  | SOLE |  | 361964 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 13011780 | 20748 | SH |  | SOLE |  | 20748 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 5753165 | 17160 | SH |  | SOLE |  | 17160 | 0 | 0 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 4461467 | 21334 | SH |  | SOLE |  | 21334 | 0 | 0 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 |  | 478905 | 6349 | SH |  | SOLE |  | 6349 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 19805764 | 140407 | SH |  | SOLE |  | 140407 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1777205 | 33058 | SH |  | SOLE |  | 33058 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 15187306 | 181341 | SH |  | SOLE |  | 181341 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 24125372 | 302588 | SH |  | SOLE |  | 302588 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 6701265 | 88829 | SH |  | SOLE |  | 88829 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 61176145 | 979288 | SH |  | SOLE |  | 979288 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 531128 | 1514 | SH |  | SOLE |  | 1514 | 0 | 0 |
| VODAFONE GROUP PLC NEW | SPONSORED ADR | 92857W308 |  | 148626 | 11251 | SH |  | SOLE |  | 11251 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 484523 | 4349 | SH |  | SOLE |  | 4349 | 0 | 0 |
| WINTRUST FINL CORP | COM | 97650W108 |  | 408135 | 2919 | SH |  | SOLE |  | 2919 | 0 | 0 |

---