# EDGAR Filing Document

**Accession Number:** 0002080991
**File Stem:** 0002080991-26-000002
**Filing Date:** 2026-4
**Character Count:** 15003
**Document Hash:** e81027cb229af3329cf5fd7e950af5e5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002080991-26-000002.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0002080991-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260424

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Old Peak Finance LLC
- **CENTRAL INDEX KEY:** 0002080991

**ORGANIZATION NAME:**
- **EIN:** 273013948
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26184
- **FILM NUMBER:** 26891406

**BUSINESS ADDRESS:**
- **STREET 1:** 100 EUROPA DR
- **STREET 2:** STE 410
- **CITY:** CHAPEL HILL
- **STATE:** NC
- **ZIP:** 27517
- **BUSINESS PHONE:** 9194598181

**MAIL ADDRESS:**
- **STREET 1:** 100 EUROPA DR
- **STREET 2:** STE 410
- **CITY:** CHAPEL HILL
- **STATE:** NC
- **ZIP:** 27517

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** Old Peak Finance LLC<br>**Address:** 100 EUROPA DR<br>STE 410<br>CHAPEL HILL, NC 27517

**Form 13F File Number:** 028-26184

**CRD Number (if applicable):** 000154804

**SEC File Number (if applicable):** 801-109968

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:** Richard Waechter<br>**Title:** Founder<br>**Phone:** 9194509191

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

Richard Waechter  Chapel Hill, NC  04-24-2026<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:** 117

**Form 13F Information Table Value Total:** $171248024

      (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 ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 31240977 | 803937 | SH |  | SOLE |  | 130 | 0 | 803806 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 24196661 | 712295 | SH |  | SOLE |  | 72 | 0 | 712223 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 39632485 | 505452 | SH |  | SOLE |  | 0 | 0 | 505452 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 358785 | 3172 | SH |  | SOLE |  | 0 | 0 | 3172 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 53953 | 477 | SH |  | DFND |  | 0 | 0 | 477 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 346286 | 1640 | SH |  | SOLE |  | 0 | 0 | 1640 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 56588 | 268 | SH |  | DFND |  | 0 | 0 | 268 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 15954498 | 91482 | SH |  | SOLE |  | 0 | 0 | 91482 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 540117 | 3097 | SH |  | DFND |  | 0 | 0 | 3097 |
| PEPSICO INC | COM | 713448108 |  | 207467 | 1336 | SH |  | SOLE |  | 0 | 0 | 1336 |
| PEPSICO INC | COM | 713448108 |  | 29505 | 190 | SH |  | DFND |  | 0 | 0 | 190 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 167262 | 1158 | SH |  | SOLE |  | 0 | 0 | 1158 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 55898 | 387 | SH |  | DFND |  | 0 | 0 | 387 |
| TARGET CORP | COM | 87612E106 |  | 447834 | 3695 | SH |  | SOLE |  | 0 | 0 | 3695 |
| TARGET CORP | COM | 87612E106 |  | 13453 | 111 | SH |  | DFND |  | 0 | 0 | 111 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1592582 | 21627 | SH |  | SOLE |  | 0 | 0 | 21627 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 339565 | 3025 | SH |  | SOLE |  | 0 | 0 | 3025 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 289916 | 605 | SH |  | SOLE |  | 0 | 0 | 605 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 90569 | 189 | SH |  | DFND |  | 0 | 0 | 189 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 189790 | 660 | SH |  | DFND |  | 0 | 0 | 660 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 288135 | 1002 | SH |  | SOLE |  | 0 | 0 | 1002 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 154904 | 540 | SH |  | DFND |  | 0 | 0 | 540 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 706151 | 2462 | SH |  | SOLE |  | 0 | 0 | 2462 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 720215 | 10914 | SH |  | DFND |  | 0 | 0 | 10914 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 56421 | 855 | SH |  | SOLE |  | 0 | 0 | 855 |
| AMAZON COM INC | COM | 023135106 |  | 138291 | 664 | SH |  | DFND |  | 0 | 0 | 664 |
| AMAZON COM INC | COM | 023135106 |  | 673337 | 3233 | SH |  | SOLE |  | 0 | 0 | 3233 |
| APPLE INC | COM | 037833100 |  | 521538 | 2055 | SH |  | DFND |  | 0 | 0 | 2055 |
| APPLE INC | COM | 037833100 |  | 1422265 | 5604 | SH |  | SOLE |  | 0 | 0 | 5604 |
| BALCHEM CORP | COM | 057665200 |  | 1864 | 11 | SH |  | DFND |  | 0 | 0 | 11 |
| BALCHEM CORP | COM | 057665200 |  | 218460 | 1289 | SH |  | SOLE |  | 0 | 0 | 1289 |
| CENCORA INC | COM | 03073E105 |  | 11623 | 37 | SH |  | DFND |  | 0 | 0 | 37 |
| CENCORA INC | COM | 03073E105 |  | 219898 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 16071 | 171 | SH |  | DFND |  | 0 | 0 | 171 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 861541 | 9167 | SH |  | SOLE |  | 0 | 0 | 9167 |
| ELI LILLY  CO | COM | 532457108 |  | 78180 | 85 | SH |  | DFND |  | 0 | 0 | 85 |
| ELI LILLY  CO | COM | 532457108 |  | 260403 | 283 | SH |  | SOLE |  | 0 | 0 | 283 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 109940 | 648 | SH |  | DFND |  | 0 | 0 | 648 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 854408 | 5036 | SH |  | SOLE |  | 0 | 0 | 5036 |
| INTEL CORP | COM | 458140100 |  | 891735 | 20207 | SH |  | DFND |  | 0 | 0 | 20207 |
| INTEL CORP | COM | 458140100 |  | 441 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 11064 | 24 | SH |  | DFND |  | 0 | 0 | 24 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 307941 | 668 | SH |  | SOLE |  | 0 | 0 | 668 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 97073 | 330 | SH |  | DFND |  | 0 | 0 | 330 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1253512 | 4261 | SH |  | SOLE |  | 0 | 0 | 4261 |
| MCDONALDS CORP | COM | 580135101 |  | 50348 | 162 | SH |  | DFND |  | 0 | 0 | 162 |
| MCDONALDS CORP | COM | 580135101 |  | 183677 | 591 | SH |  | SOLE |  | 0 | 0 | 591 |
| META PLATFORMS INC | CL A | 30303M102 |  | 168778 | 295 | SH |  | DFND |  | 0 | 0 | 295 |
| META PLATFORMS INC | CL A | 30303M102 |  | 175097 | 306 | SH |  | SOLE |  | 0 | 0 | 306 |
| MICROSOFT CORP | COM | 594918104 |  | 337965 | 913 | SH |  | DFND |  | 0 | 0 | 913 |
| MICROSOFT CORP | COM | 594918104 |  | 1115849 | 3014 | SH |  | SOLE |  | 0 | 0 | 3014 |
| NEWMONT CORP | COM | 651639106 |  | 161726 | 1494 | SH |  | DFND |  | 0 | 0 | 1494 |
| NEWMONT CORP | COM | 651639106 |  | 46235 | 427 | SH |  | SOLE |  | 0 | 0 | 427 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 1032005 | 7055 | SH |  | DFND |  | 0 | 0 | 7055 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 181241 | 1239 | SH |  | SOLE |  | 0 | 0 | 1239 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 803718 | 4861 | SH |  | DFND |  | 0 | 0 | 4861 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 45634 | 276 | SH |  | SOLE |  | 0 | 0 | 276 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 11797 | 24 | SH |  | DFND |  | 0 | 0 | 24 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 196612 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| UNION PAC CORP | COM | 907818108 |  | 22321 | 92 | SH |  | DFND |  | 0 | 0 | 92 |
| UNION PAC CORP | COM | 907818108 |  | 231702 | 955 | SH |  | SOLE |  | 0 | 0 | 955 |
| WALMART INC | COM | 931142103 |  | 64253 | 517 | SH |  | DFND |  | 0 | 0 | 517 |
| WALMART INC | COM | 931142103 |  | 282938 | 2277 | SH |  | SOLE |  | 0 | 0 | 2277 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4516052 | 14077 | SH |  | SOLE |  | 0 | 0 | 14077 |
| ISHARES TR | 3YRTB ETF | 464288125 |  | 572256 | 7714 | SH |  | SOLE |  | 0 | 0 | 7714 |
| ISHARES TR | INTL TREA BD ETF | 464288117 |  | 568194 | 13838 | SH |  | SOLE |  | 0 | 0 | 13838 |
| ISHARES TR | MSCI DENMARK ETF | 46429B523 |  | 208495 | 1992 | SH |  | SOLE |  | 0 | 0 | 1992 |
| ISHARES INC | MSCI SWEDEN ETF | 464286756 |  | 237986 | 4885 | SH |  | SOLE |  | 0 | 0 | 4885 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 3324055 | 43108 | SH |  | SOLE |  | 0 | 0 | 43108 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 590567 | 11862 | SH |  | SOLE |  | 0 | 0 | 11862 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 242902 | 1954 | SH |  | SOLE |  | 0 | 0 | 1954 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 330034 | 3280 | SH |  | SOLE |  | 0 | 0 | 3280 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 3940729 | 61497 | SH |  | SOLE |  | 0 | 0 | 61497 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1516387 | 28055 | SH |  | SOLE |  | 0 | 0 | 28055 |
| ISHARES TR | CORE S ETF | 464287200 |  | 56176 | 86 | SH |  | DFND |  | 0 | 0 | 86 |
| ISHARES TR | CORE S ETF | 464287200 |  | 542575 | 831 | SH |  | SOLE |  | 0 | 0 | 831 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 422521 | 10008 | SH |  | SOLE |  | 0 | 0 | 10008 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 446085 | 12555 | SH |  | SOLE |  | 0 | 0 | 12555 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 1248557 | 17406 | SH |  | SOLE |  | 0 | 0 | 17406 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 458911 | 5174 | SH |  | SOLE |  | 0 | 0 | 5174 |
| AGNICO EAGLE MINES LTD | COM | 008474108 |  | 562661 | 2772 | SH |  | DFND |  | 0 | 0 | 2772 |
| AGNICO EAGLE MINES LTD | COM | 008474108 |  | 42626 | 210 | SH |  | SOLE |  | 0 | 0 | 210 |
| FIRST CTZNS BANCSHARES INC D | CL A | 31946M103 |  | 3769 | 2 | SH |  | DFND |  | 0 | 0 | 2 |
| FIRST CTZNS BANCSHARES INC D | CL A | 31946M103 |  | 1355128 | 719 | SH |  | SOLE |  | 0 | 0 | 719 |
| PAN AMERN SILVER CORP | COM | 697900108 |  | 644689 | 11801 | SH |  | DFND |  | 0 | 0 | 11801 |
| PAN AMERN SILVER CORP | COM | 697900108 |  | 46053 | 843 | SH |  | SOLE |  | 0 | 0 | 843 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 434453 | 4799 | SH |  | SOLE |  | 0 | 0 | 4799 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 819967 | 1923 | SH |  | SOLE |  | 0 | 0 | 1923 |
| ROYAL BK CDA | COM | 780087102 |  | 313530 | 1938 | SH |  | SOLE |  | 0 | 0 | 1938 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 914727 | 22262 | SH |  | SOLE |  | 0 | 0 | 22262 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 423073 | 733 | SH |  | SOLE |  | 0 | 0 | 733 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 367162 | 3459 | SH |  | SOLE |  | 0 | 0 | 3459 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 555336 | 1934 | SH |  | SOLE |  | 0 | 0 | 1934 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 269036 | 1027 | SH |  | SOLE |  | 0 | 0 | 1027 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 317244 | 1653 | SH |  | SOLE |  | 0 | 0 | 1653 |
| AUTOZONE INC | COM | 053332102 |  | 256711 | 76 | SH |  | SOLE |  | 0 | 0 | 76 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 413057 | 9742 | SH |  | SOLE |  | 0 | 0 | 9742 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 238614 | 1216 | SH |  | SOLE |  | 0 | 0 | 1216 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 219871 | 2299 | SH |  | SOLE |  | 0 | 0 | 2299 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 571337 | 4040 | SH |  | SOLE |  | 0 | 0 | 4040 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 280333 | 5962 | SH |  | SOLE |  | 0 | 0 | 5962 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 311812 | 5511 | SH |  | SOLE |  | 0 | 0 | 5511 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 424744 | 1975 | SH |  | SOLE |  | 0 | 0 | 1975 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 456462 | 7309 | SH |  | SOLE |  | 0 | 0 | 7309 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 862737 | 6235 | SH |  | SOLE |  | 0 | 0 | 6235 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 319176 | 1287 | SH |  | SOLE |  | 0 | 0 | 1287 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 423145 | 4352 | SH |  | SOLE |  | 0 | 0 | 4352 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 2750344 | 4229 | SH |  | SOLE |  | 0 | 0 | 4229 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 230812 | 5076 | SH |  | SOLE |  | 0 | 0 | 5076 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 476526 | 5240 | SH |  | SOLE |  | 0 | 0 | 5240 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 525571 | 11551 | SH |  | SOLE |  | 0 | 0 | 11551 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 2205896 | 31108 | SH |  | SOLE |  | 0 | 0 | 31108 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 293134 | 4121 | SH |  | SOLE |  | 0 | 0 | 4121 |
| ISHARES TR | FUTURE AI  TECH | 46435U556 |  | 441478 | 9488 | SH |  | SOLE |  | 0 | 0 | 9488 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1927039 | 3225 | SH |  | SOLE |  | 0 | 0 | 3225 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 291412 | 6013 | SH |  | SOLE |  | 0 | 0 | 6013 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 244379 | 2516 | SH |  | SOLE |  | 0 | 0 | 2516 |

---