# EDGAR Filing Document

**Accession Number:** 0001977044
**File Stem:** 0001977044-26-000002
**Filing Date:** 2026-5
**Character Count:** 9599
**Document Hash:** d17ba11656f4c39b888bbbafee53ebe9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001977044-26-000002.hdr.sgml**: 20260511

**ACCESSION NUMBER**: 0001977044-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260511

**DATE AS OF CHANGE**: 20260511

**EFFECTIVENESS DATE**: 20260511

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PCA Investment Advisory Services Inc.
- **CENTRAL INDEX KEY:** 0001977044

**ORGANIZATION NAME:**
- **EIN:** 593766965
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23273
- **FILM NUMBER:** 26961791

**BUSINESS ADDRESS:**
- **STREET 1:** 2133 LURAY AVENUE
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45206
- **BUSINESS PHONE:** 5132813366

**MAIL ADDRESS:**
- **STREET 1:** 2133 LURAY AVENUE
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45206

### 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:** PCA Investment Advisory Services Inc.<br>**Address:** 2133 LURAY AVENUE<br>CINCINNATI, OH 45206

**Form 13F File Number:** 028-23273

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:** Melissa C. Anderson<br>**Title:** Compliance Consultant<br>**Phone:** 513-693-4875

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

Melissa C Anderson  Cincinnati, OH  05-11-2026<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:** 57

**Form 13F Information Table Value Total:** $299701063

      (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 |  | 4448975 | 15471 | SH |  | SOLE |  | 15471 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 3251463 | 11335 | SH |  | SOLE |  | 11335 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 3299830 | 15844 | SH |  | SOLE |  | 15844 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 7217915 | 28441 | SH |  | SOLE |  | 28441 | 0 | 0 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 1729682 | 10993 | SH |  | SOLE |  | 10993 | 0 | 0 |
| COHEN  STEERS ETF TRUST | REAL ESTATE ACTI | 19249U104 |  | 379615 | 14445 | SH |  | SOLE |  | 14445 | 0 | 0 |
| COLUMBIA ETF TR I | RESH ENHNC COR | 19761L706 |  | 749018 | 19215 | SH |  | SOLE |  | 19215 | 0 | 0 |
| DBX ETF TR | XTRACK MSCI EAFE | 233051200 |  | 1045712 | 21168 | SH |  | SOLE |  | 21168 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 22645424 | 318367 | SH |  | SOLE |  | 318367 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 9641549 | 284747 | SH |  | SOLE |  | 284747 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 5205122 | 146499 | SH |  | SOLE |  | 146499 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 2483539 | 63746 | SH |  | SOLE |  | 63746 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 1510495 | 42299 | SH |  | SOLE |  | 42299 | 0 | 0 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 1493829 | 29458 | SH |  | SOLE |  | 29458 | 0 | 0 |
| FIDELITY COVINGTON TRUST | ENHANCED LARGE | 316092113 |  | 789595 | 21770 | SH |  | SOLE |  | 21770 | 0 | 0 |
| FIDELITY COVINGTON TRUST | ENHANCED INTL | 31609A404 |  | 422862 | 11367 | SH |  | SOLE |  | 11367 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 17653396 | 386458 | SH |  | SOLE |  | 386458 | 0 | 0 |
| FIFTH THIRD BANCORP | COM | 316773100 |  | 759876 | 16355 | SH |  | SOLE |  | 16355 | 0 | 0 |
| FIRST COMWLTH FINL CORP PA | COM | 319829107 |  | 211400 | 12025 | SH |  | SOLE |  | 12025 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | RISNG DIVD ACHIV | 33738R506 |  | 3144050 | 46046 | SH |  | SOLE |  | 46046 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 336917109 |  | 649753 | 12790 | SH |  | SOLE |  | 12790 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY BUFR FEB | 45782C433 |  | 1644441 | 34473 | SH |  | SOLE |  | 34473 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C417 |  | 1530096 | 38157 | SH |  | SOLE |  | 38157 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY BUF DEC | 45782C557 |  | 702156 | 14628 | SH |  | SOLE |  | 14628 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JAN | 45782C409 |  | 660812 | 12391 | SH |  | SOLE |  | 12391 | 0 | 0 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C656 |  | 476545 | 11067 | SH |  | SOLE |  | 11067 | 0 | 0 |
| INNOVATOR ETFS TRUST | DEFINED WLT SHLD | 45783Y855 |  | 418982 | 12520 | SH |  | SOLE |  | 12520 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 985550 | 14130 | SH |  | SOLE |  | 14130 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 42995433 | 65656 | SH |  | SOLE |  | 65656 | 0 | 0 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 32808661 | 320867 | SH |  | SOLE |  | 320867 | 0 | 0 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 15546885 | 100231 | SH |  | SOLE |  | 100231 | 0 | 0 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 12576007 | 295941 | SH |  | SOLE |  | 295941 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 12380976 | 182907 | SH |  | SOLE |  | 182907 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 3035538 | 24283 | SH |  | SOLE |  | 24283 | 0 | 0 |
| ISHARES TR | MRGSTR MD CP GRW | 464288307 |  | 1661667 | 21095 | SH |  | SOLE |  | 21095 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1618900 | 17456 | SH |  | SOLE |  | 17456 | 0 | 0 |
| ISHARES TR | MRGSTR MD CP VAL | 464288406 |  | 1174489 | 13852 | SH |  | SOLE |  | 13852 | 0 | 0 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 |  | 1115477 | 12208 | SH |  | SOLE |  | 12208 | 0 | 0 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 1051042 | 16982 | SH |  | SOLE |  | 16982 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 709866 | 10115 | SH |  | SOLE |  | 10115 | 0 | 0 |
| KROGER CO | COM | 501044101 |  | 857392 | 11849 | SH |  | SOLE |  | 11849 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 5110553 | 13806 | SH |  | SOLE |  | 13806 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 4206781 | 24121 | SH |  | SOLE |  | 24121 | 0 | 0 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 3916172 | 27113 | SH |  | SOLE |  | 27113 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 5737668 | 187017 | SH |  | SOLE |  | 187017 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 2856966 | 92279 | SH |  | SOLE |  | 92279 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 907942 | 18556 | SH |  | SOLE |  | 18556 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 281907 | 10995 | SH |  | SOLE |  | 10995 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 974603 | 12733 | SH |  | SOLE |  | 12733 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 18027050 | 91881 | SH |  | SOLE |  | 91881 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 16473266 | 37714 | SH |  | SOLE |  | 37714 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 4104478 | 15671 | SH |  | SOLE |  | 15671 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3663506 | 11420 | SH |  | SOLE |  | 11420 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 3462563 | 11586 | SH |  | SOLE |  | 11586 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 3239355 | 11280 | SH |  | SOLE |  | 11280 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2990628 | 46670 | SH |  | SOLE |  | 46670 | 0 | 0 |
| WISDOMTREE TR | US TOTAL DIVIDND | 97717W109 |  | 1063610 | 12316 | SH |  | SOLE |  | 12316 | 0 | 0 |

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