# EDGAR Filing Document

**Accession Number:** 0001925074
**File Stem:** 0001725547-23-000069
**Filing Date:** 2023-2
**Character Count:** 14597
**Document Hash:** 518d7bb7cb36b267ae444828a1a3fbdc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001725547-23-000069.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001725547-23-000069

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TRIAD FINANCIAL ADVISORS, INC.
- **CENTRAL INDEX KEY:** 0001925074
- **IRS NUMBER:** 561599758
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22465
- **FILM NUMBER:** 23624164

**BUSINESS ADDRESS:**
- **STREET 1:** 3623 N. ELM STREET
- **STREET 2:** SUITE 102
- **CITY:** GREENSBORO
- **STATE:** NC
- **ZIP:** 27455
- **BUSINESS PHONE:** 336-230-0071

**MAIL ADDRESS:**
- **STREET 1:** 3623 N. ELM STREET
- **STREET 2:** SUITE 102
- **CITY:** GREENSBORO
- **STATE:** NC
- **ZIP:** 27455

### 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:** TRIAD FINANCIAL ADVISORS INC.<br>**Address:** 3623 N. ELM STREET<br>SUITE 102<br>GREENSBORO, NC 27455

**Form 13F File Number:** 028-22465

**CRD Number (if applicable):** 000118583

**SEC File Number (if applicable):** 801-80645

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:** Nathaniel Carswell<br>**Title:** Chief Compliance Officer<br>**Phone:** 336-230-0071

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

/s/ Nathaniel Carswell  Greensboro, NC  02-14-2023<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:** 110

**Form 13F Information Table Value Total:** $224246010

      (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 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 211621 | 2385 | SH |  | SOLE |  | 0 | 0 | 2385 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 274836 | 3115 | SH |  | SOLE |  | 0 | 0 | 3115 |
| AMAZON COM INC | COM | 023135106 |  | 459228 | 5467 | SH |  | SOLE |  | 0 | 0 | 5467 |
| AMERICAN CENTY ETF TR | REAL ESTATE ETF | 025072356 |  | 1064962 | 25899 | SH |  | SOLE |  | 0 | 0 | 25898 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 482201 | 9558 | SH |  | SOLE |  | 0 | 0 | 9558 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 826023 | 15530 | SH |  | SOLE |  | 0 | 0 | 15529 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 532747 | 7150 | SH |  | SOLE |  | 0 | 0 | 7150 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 451178 | 6634 | SH |  | SOLE |  | 0 | 0 | 6634 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 214840 | 1014 | SH |  | SOLE |  | 0 | 0 | 1014 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 226810 | 442 | SH |  | SOLE |  | 0 | 0 | 442 |
| APPLE INC | COM | 037833100 |  | 6938160 | 53399 | SH |  | SOLE |  | 0 | 0 | 53399 |
| BANK AMERICA CORP | COM | 060505104 |  | 616688 | 18620 | SH |  | SOLE |  | 0 | 0 | 18619 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 902297 | 2921 | SH |  | SOLE |  | 0 | 0 | 2921 |
| BIOGEN INC | COM | 09062X103 |  | 287997 | 1040 | SH |  | SOLE |  | 0 | 0 | 1040 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 434557 | 6040 | SH |  | SOLE |  | 0 | 0 | 6039 |
| C H ROBINSON WORLDWIDE INC | COM NEW | 12541W209 |  | 232105 | 2535 | SH |  | SOLE |  | 0 | 0 | 2535 |
| CSX CORP | COM | 126408103 |  | 428113 | 13819 | SH |  | SOLE |  | 0 | 0 | 13819 |
| CATERPILLAR INC | COM | 149123101 |  | 2213669 | 9241 | SH |  | SOLE |  | 0 | 0 | 9240 |
| CELSIUS HLDGS INC | COM NEW | 15118V207 |  | 260100 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| CHEVRON CORP NEW | COM | 166764100 |  | 850757 | 4740 | SH |  | SOLE |  | 0 | 0 | 4739 |
| CISCO SYS INC | COM | 17275R102 |  | 278301 | 5842 | SH |  | SOLE |  | 0 | 0 | 5841 |
| COCA COLA CO | COM | 191216100 |  | 461644 | 7257 | SH |  | SOLE |  | 0 | 0 | 7257 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 951346 | 2084 | SH |  | SOLE |  | 0 | 0 | 2084 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 768616 | 28446 | SH |  | SOLE |  | 0 | 0 | 28446 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 8080623 | 322709 | SH |  | SOLE |  | 0 | 0 | 322708 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 277229 | 12630 | SH |  | SOLE |  | 0 | 0 | 12630 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 5449517 | 130967 | SH |  | SOLE |  | 0 | 0 | 130966 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 314982 | 6158 | SH |  | SOLE |  | 0 | 0 | 6158 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 1815079 | 41299 | SH |  | SOLE |  | 0 | 0 | 41298 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 41097932 | 1692666 | SH |  | SOLE |  | 0 | 0 | 1692666 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 9743402 | 291022 | SH |  | SOLE |  | 0 | 0 | 291021 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 2396254 | 106690 | SH |  | SOLE |  | 0 | 0 | 106689 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 677950 | 29985 | SH |  | SOLE |  | 0 | 0 | 29984 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 4976495 | 222662 | SH |  | SOLE |  | 0 | 0 | 222661 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 380087 | 17971 | SH |  | SOLE |  | 0 | 0 | 17971 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 6148714 | 256090 | SH |  | SOLE |  | 0 | 0 | 256089 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 1089894 | 22796 | SH |  | SOLE |  | 0 | 0 | 22796 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 22356050 | 485052 | SH |  | SOLE |  | 0 | 0 | 485052 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 10671071 | 257010 | SH |  | SOLE |  | 0 | 0 | 257010 |
| DISNEY WALT CO | COM | 254687106 |  | 247022 | 2843 | SH |  | SOLE |  | 0 | 0 | 2843 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 294047 | 4795 | SH |  | SOLE |  | 0 | 0 | 4795 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 2363350 | 22947 | SH |  | SOLE |  | 0 | 0 | 22947 |
| AFLAC INC | COM | 001055102 |  | 375023 | 5213 | SH |  | SOLE |  | 0 | 0 | 5213 |
| AT INC | COM | 00206R102 |  | 353813 | 19219 | SH |  | SOLE |  | 0 | 0 | 19218 |
| ABBOTT LABS | COM | 002824100 |  | 227326 | 2071 | SH |  | SOLE |  | 0 | 0 | 2070 |
| ABBVIE INC | COM | 00287Y109 |  | 415582 | 2572 | SH |  | SOLE |  | 0 | 0 | 2571 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 292108 | 868 | SH |  | SOLE |  | 0 | 0 | 868 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 2106462 | 19098 | SH |  | SOLE |  | 0 | 0 | 19097 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 334726 | 3899 | SH |  | SOLE |  | 0 | 0 | 3898 |
| HOME DEPOT INC | COM | 437076102 |  | 1070798 | 3390 | SH |  | SOLE |  | 0 | 0 | 3390 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 288684 | 2049 | SH |  | SOLE |  | 0 | 0 | 2049 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 211875 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 236111 | 6826 | SH |  | SOLE |  | 0 | 0 | 6826 |
| ISHARES INC | MSCI AUST ETF | 464286103 |  | 233304 | 10495 | SH |  | SOLE |  | 0 | 0 | 10495 |
| ISHARES TR | CORE S ETF | 464287200 |  | 674289 | 1755 | SH |  | SOLE |  | 0 | 0 | 1755 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 30581862 | 522767 | SH |  | SOLE |  | 0 | 0 | 522766 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 220377 | 2715 | SH |  | SOLE |  | 0 | 0 | 2715 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 405577 | 6013 | SH |  | SOLE |  | 0 | 0 | 6013 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1127517 | 4661 | SH |  | SOLE |  | 0 | 0 | 4661 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 875763 | 4160 | SH |  | SOLE |  | 0 | 0 | 4160 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 380696 | 5390 | SH |  | SOLE |  | 0 | 0 | 5390 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 374258 | 4591 | SH |  | SOLE |  | 0 | 0 | 4591 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 551940 | 5832 | SH |  | SOLE |  | 0 | 0 | 5832 |
| ISHARES TR | INTRM GOV CR ETF | 464288612 |  | 1602372 | 15639 | SH |  | SOLE |  | 0 | 0 | 15639 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 299119 | 6004 | SH |  | SOLE |  | 0 | 0 | 6004 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 205788 | 2055 | SH |  | SOLE |  | 0 | 0 | 2055 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1142648 | 8521 | SH |  | SOLE |  | 0 | 0 | 8520 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 895098 | 5067 | SH |  | SOLE |  | 0 | 0 | 5067 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 224565 | 1654 | SH |  | SOLE |  | 0 | 0 | 1654 |
| LENNAR CORP | CL A | 526057104 |  | 230594 | 2548 | SH |  | SOLE |  | 0 | 0 | 2548 |
| LILLY ELI  CO | COM | 532457108 |  | 431451 | 1179 | SH |  | SOLE |  | 0 | 0 | 1179 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 434922 | 894 | SH |  | SOLE |  | 0 | 0 | 894 |
| LOWES COS INC | COM | 548661107 |  | 511497 | 2567 | SH |  | SOLE |  | 0 | 0 | 2567 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 277500 | 798 | SH |  | SOLE |  | 0 | 0 | 798 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 |  | 537625 | 6486 | SH |  | SOLE |  | 0 | 0 | 6486 |
| MERCK  CO INC | COM | 58933Y105 |  | 323319 | 2914 | SH |  | SOLE |  | 0 | 0 | 2914 |
| MICROSOFT CORP | COM | 594918104 |  | 1485202 | 6193 | SH |  | SOLE |  | 0 | 0 | 6192 |
| MODERNA INC | COM | 60770K107 |  | 276615 | 1540 | SH |  | SOLE |  | 0 | 0 | 1540 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 279308 | 3341 | SH |  | SOLE |  | 0 | 0 | 3341 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 399709 | 2531 | SH |  | SOLE |  | 0 | 0 | 2530 |
| PEPSICO INC | COM | 713448108 |  | 1044238 | 5780 | SH |  | SOLE |  | 0 | 0 | 5780 |
| PFIZER INC | COM | 717081103 |  | 369756 | 7216 | SH |  | SOLE |  | 0 | 0 | 7216 |
| PINNACLE FINL PARTNERS INC | COM | 72346Q104 |  | 201263 | 2742 | SH |  | SOLE |  | 0 | 0 | 2742 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1987537 | 13114 | SH |  | SOLE |  | 0 | 0 | 13113 |
| PROLOGIS INC. | COM | 74340W103 |  | 265028 | 2351 | SH |  | SOLE |  | 0 | 0 | 2351 |
| QUALCOMM INC | COM | 747525103 |  | 427777 | 3891 | SH |  | SOLE |  | 0 | 0 | 3891 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4571568 | 11954 | SH |  | SOLE |  | 0 | 0 | 11954 |
| SPDR SER TR | PORTFLI HIGH YLD | 78468R606 |  | 438802 | 19642 | SH |  | SOLE |  | 0 | 0 | 19642 |
| SPDR SER TR | BLOOMBERG 1-3 MO | 78468R663 |  | 292521 | 3198 | SH |  | SOLE |  | 0 | 0 | 3198 |
| SCHLUMBERGER LTD | COM STK | 806857108 |  | 473816 | 8863 | SH |  | SOLE |  | 0 | 0 | 8863 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 202093 | 4510 | SH |  | SOLE |  | 0 | 0 | 4510 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 391051 | 5177 | SH |  | SOLE |  | 0 | 0 | 5176 |
| SOUTHERN CO | COM | 842587107 |  | 330232 | 4624 | SH |  | SOLE |  | 0 | 0 | 4624 |
| STARBUCKS CORP | COM | 855244109 |  | 816533 | 8231 | SH |  | SOLE |  | 0 | 0 | 8231 |
| TESLA INC | COM | 88160R101 |  | 206203 | 1674 | SH |  | SOLE |  | 0 | 0 | 1674 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 442274 | 10278 | SH |  | SOLE |  | 0 | 0 | 10278 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 908342 | 1713 | SH |  | SOLE |  | 0 | 0 | 1713 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 871260 | 5738 | SH |  | SOLE |  | 0 | 0 | 5737 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 1433759 | 6797 | SH |  | SOLE |  | 0 | 0 | 6797 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 11133137 | 147890 | SH |  | SOLE |  | 0 | 0 | 147889 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 3614549 | 50314 | SH |  | SOLE |  | 0 | 0 | 50313 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1017731 | 24249 | SH |  | SOLE |  | 0 | 0 | 24249 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 368098 | 2318 | SH |  | SOLE |  | 0 | 0 | 2318 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 282684 | 1387 | SH |  | SOLE |  | 0 | 0 | 1387 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 833899 | 3913 | SH |  | SOLE |  | 0 | 0 | 3913 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 519229 | 3699 | SH |  | SOLE |  | 0 | 0 | 3699 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 356802 | 1944 | SH |  | SOLE |  | 0 | 0 | 1944 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 349470 | 8870 | SH |  | SOLE |  | 0 | 0 | 8869 |
| VISA INC | COM CL A | 92826C839 |  | 219395 | 1056 | SH |  | SOLE |  | 0 | 0 | 1056 |
| WALMART INC | COM | 931142103 |  | 233046 | 1644 | SH |  | SOLE |  | 0 | 0 | 1643 |

---