# EDGAR Filing Document

**Accession Number:** 0002020459
**File Stem:** 0001951757-26-000310
**Filing Date:** 2026-1
**Character Count:** 9961
**Document Hash:** dfc34a5c66b56ef735f17b041c55bc21
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000310.hdr.sgml**: 20260127

**ACCESSION NUMBER**: 0001951757-26-000310

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260127

**DATE AS OF CHANGE**: 20260127

**EFFECTIVENESS DATE**: 20260127

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Joel Adams & Associates, Inc.
- **CENTRAL INDEX KEY:** 0002020459

**ORGANIZATION NAME:**
- **EIN:** 561870460
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24703
- **FILM NUMBER:** 26563553

**BUSINESS ADDRESS:**
- **STREET 1:** 545 MERRIMON AVENUE
- **CITY:** ASHEVILLE
- **STATE:** NC
- **ZIP:** 28804
- **BUSINESS PHONE:** (828) 251-9700

**MAIL ADDRESS:**
- **STREET 1:** 545 MERRIMON AVENUE
- **CITY:** ASHEVILLE
- **STATE:** NC
- **ZIP:** 28804

### 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:** Joel Adams  Associates Inc.<br>**Address:** 545 MERRIMON AVENUE<br>ASHEVILLE, NC 28804

**Form 13F File Number:** 028-24703

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:** Bray Creech<br>**Title:** Chief Compliance Officer<br>**Phone:** (828) 251-9700

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

Bray Creech  Asheville, NC  01-27-2026<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:** 63

**Form 13F Information Table Value Total:** $133032019

      (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 A | 02079K305 |  | 664499 | 2123 | SH |  | SOLE |  | 0 | 0 | 2123 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 213384 | 680 | SH |  | SOLE |  | 0 | 0 | 680 |
| AMAZON COM INC | COM | 023135106 |  | 311838 | 1351 | SH |  | SOLE |  | 0 | 0 | 1351 |
| APPLE INC | COM | 037833100 |  | 1454179 | 5349 | SH |  | SOLE |  | 0 | 0 | 5349 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 740403 | 1473 | SH |  | SOLE |  | 0 | 0 | 1473 |
| MORGAN STANLEY ETF TRUST | CALVERT US LARCP | 61774R205 |  | 6901438 | 81926 | SH |  | SOLE |  | 0 | 0 | 81926 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 281123 | 326 | SH |  | SOLE |  | 0 | 0 | 326 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 351029 | 8193 | SH |  | SOLE |  | 0 | 0 | 8193 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 1035545 | 23844 | SH |  | SOLE |  | 0 | 0 | 23844 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 429344 | 13118 | SH |  | SOLE |  | 0 | 0 | 13118 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 256573 | 2189 | SH |  | SOLE |  | 0 | 0 | 2189 |
| ELI LILLY  CO | COM | 532457108 |  | 1221911 | 1137 | SH |  | SOLE |  | 0 | 0 | 1137 |
| HOME DEPOT INC | COM | 437076102 |  | 244999 | 712 | SH |  | SOLE |  | 0 | 0 | 712 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 645026 | 1050 | SH |  | SOLE |  | 0 | 0 | 1050 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 2173718 | 32337 | SH |  | SOLE |  | 0 | 0 | 32337 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 488710 | 5082 | SH |  | SOLE |  | 0 | 0 | 5082 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 2056459 | 54993 | SH |  | SOLE |  | 0 | 0 | 54993 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 5145703 | 57520 | SH |  | SOLE |  | 0 | 0 | 57520 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 3397022 | 51470 | SH |  | SOLE |  | 0 | 0 | 51470 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2000982 | 16650 | SH |  | SOLE |  | 0 | 0 | 16650 |
| ISHARES TR | CORE S ETF | 464287200 |  | 585429 | 855 | SH |  | SOLE |  | 0 | 0 | 855 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 19428029 | 194514 | SH |  | SOLE |  | 0 | 0 | 194514 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 10562276 | 220737 | SH |  | SOLE |  | 0 | 0 | 220737 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 484494 | 19195 | SH |  | SOLE |  | 0 | 0 | 19195 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 367924 | 8240 | SH |  | SOLE |  | 0 | 0 | 8240 |
| ISHARES TR | MORNINGSTAR GRWT | 464287119 |  | 306221 | 2943 | SH |  | SOLE |  | 0 | 0 | 2943 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 580417 | 8646 | SH |  | SOLE |  | 0 | 0 | 8646 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 508900 | 5405 | SH |  | SOLE |  | 0 | 0 | 5405 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 716510 | 2862 | SH |  | SOLE |  | 0 | 0 | 2862 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2892089 | 27001 | SH |  | SOLE |  | 0 | 0 | 27001 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 696426 | 1471 | SH |  | SOLE |  | 0 | 0 | 1471 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 689994 | 3280 | SH |  | SOLE |  | 0 | 0 | 3280 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 253333 | 1796 | SH |  | SOLE |  | 0 | 0 | 1796 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 838960 | 7863 | SH |  | SOLE |  | 0 | 0 | 7863 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 290547 | 12619 | SH |  | SOLE |  | 0 | 0 | 12619 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 1338926 | 26202 | SH |  | SOLE |  | 0 | 0 | 26202 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 477020 | 2305 | SH |  | SOLE |  | 0 | 0 | 2305 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 611896 | 1899 | SH |  | SOLE |  | 0 | 0 | 1899 |
| MCDONALDS CORP | COM | 580135101 |  | 266815 | 873 | SH |  | SOLE |  | 0 | 0 | 873 |
| MICROSOFT CORP | COM | 594918104 |  | 712939 | 1474 | SH |  | SOLE |  | 0 | 0 | 1474 |
| MORGAN STANLEY ETF TRUST | CALVERT US MDCP | 61774R403 |  | 1599402 | 24940 | SH |  | SOLE |  | 0 | 0 | 24940 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 203911 | 2540 | SH |  | SOLE |  | 0 | 0 | 2540 |
| NUSHARES ETF TR | NUVEEN ESG MIDVL | 67092P508 |  | 287671 | 7357 | SH |  | SOLE |  | 0 | 0 | 7357 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 296535 | 1590 | SH |  | SOLE |  | 0 | 0 | 1590 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 2770497 | 27611 | SH |  | SOLE |  | 0 | 0 | 27611 |
| ROSS STORES INC | COM | 778296103 |  | 360280 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 1074736 | 11761 | SH |  | SOLE |  | 0 | 0 | 11761 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A284 |  | 383024 | 15358 | SH |  | SOLE |  | 0 | 0 | 15358 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 503305 | 6274 | SH |  | SOLE |  | 0 | 0 | 6274 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 514319 | 3696 | SH |  | SOLE |  | 0 | 0 | 3696 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 356326 | 2475 | SH |  | SOLE |  | 0 | 0 | 2475 |
| ETF SER SOLUTIONS | US VEGAN CLIMATE | 26922A297 |  | 638683 | 10503 | SH |  | SOLE |  | 0 | 0 | 10503 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 10403433 | 145259 | SH |  | SOLE |  | 0 | 0 | 145259 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 1119691 | 9257 | SH |  | SOLE |  | 0 | 0 | 9257 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 |  | 334882 | 5263 | SH |  | SOLE |  | 0 | 0 | 5263 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 21321285 | 33998 | SH |  | SOLE |  | 0 | 0 | 33998 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 419159 | 6994 | SH |  | SOLE |  | 0 | 0 | 6994 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2634445 | 9077 | SH |  | SOLE |  | 0 | 0 | 9077 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 7556456 | 150258 | SH |  | SOLE |  | 0 | 0 | 150258 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1686682 | 22771 | SH |  | SOLE |  | 0 | 0 | 22771 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 262695 | 5437 | SH |  | SOLE |  | 0 | 0 | 5437 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 4248511 | 56316 | SH |  | SOLE |  | 0 | 0 | 56316 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1433061 | 4274 | SH |  | SOLE |  | 0 | 0 | 4274 |

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