# EDGAR Filing Document

**Accession Number:** 0001543991
**File Stem:** 0001398344-25-013169
**Filing Date:** 2025-7
**Character Count:** 11748
**Document Hash:** 62b2ebea87ca75f0640459c4d69a580b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-25-013169.hdr.sgml**: 20250715

**ACCESSION NUMBER**: 0001398344-25-013169

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250715

**DATE AS OF CHANGE**: 20250715

**EFFECTIVENESS DATE**: 20250715

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Smith & Howard Wealth Management, LLC
- **CENTRAL INDEX KEY:** 0001543991

**ORGANIZATION NAME:**
- **EIN:** 582474069
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-14923
- **FILM NUMBER:** 251125534

**BUSINESS ADDRESS:**
- **STREET 1:** 271 17TH STREET, NW
- **STREET 2:** SUITE 2100
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30363
- **BUSINESS PHONE:** 404.874.6244

**MAIL ADDRESS:**
- **STREET 1:** 271 17TH STREET, NW
- **STREET 2:** SUITE 2100
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30363

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Smith  Howard Wealth Management LLC<br>**Address:** 271 17TH STREET NW<br>SUITE 2100<br>ATLANTA, GA 30363

**Form 13F File Number:** 028-14923

**CRD Number (if applicable):** 000109540

**SEC File Number (if applicable):** 801-56734

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:** Tim Agnew<br>**Title:** Chief Compliance Officer<br>**Phone:** 404-874-6244

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

/s/ Tim Agnew  Atlanta, GA  07-14-2025<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:** 80

**Form 13F Information Table Value Total:** $394835447

      (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 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 296085 | 4748 | SH |  | SOLE |  | 4748 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 763599 | 2505 | SH |  | SOLE |  | 2505 | 0 | 0 |
| MANAGED PORTFOLIO SERIES | TORTOISE NRAM PI | 56167N720 |  | 3781267 | 105829 | SH |  | SOLE |  | 105829 | 0 | 0 |
| AMERICAN BEACON SELECT FUNDS | AHL TREND ETF | 02368W309 |  | 2202640 | 99218 | SH |  | SOLE |  | 99218 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 226925 | 2548 | SH |  | SOLE |  | 2548 | 0 | 0 |
| VANGUARD MALVERN FDS | CORE BD ETF | 922020748 |  | 67704299 | 872703 | SH |  | SOLE |  | 872703 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 9344691 | 89440 | SH |  | SOLE |  | 89440 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 20153890 | 406001 | SH |  | SOLE |  | 406001 | 0 | 0 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 269667 | 5543 | SH |  | SOLE |  | 5543 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 13743962 | 138548 | SH |  | SOLE |  | 138548 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 2429869 | 22850 | SH |  | SOLE |  | 22850 | 0 | 0 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 2824000 | 32000 | SH |  | SOLE |  | 32000 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 281356 | 2734 | SH |  | SOLE |  | 2734 | 0 | 0 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 382269 | 8041 | SH |  | SOLE |  | 8041 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 9602383 | 130414 | SH |  | SOLE |  | 130414 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1320171 | 8356 | SH |  | SOLE |  | 8356 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 33378532 | 399839 | SH |  | SOLE |  | 399839 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 13360023 | 222556 | SH |  | SOLE |  | 222556 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 328058 | 750 | SH |  | SOLE |  | 750 | 0 | 0 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 309114 | 3066 | SH |  | SOLE |  | 3066 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 1816027 | 4953 | SH |  | SOLE |  | 4953 | 0 | 0 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 239975 | 5582 | SH |  | SOLE |  | 5582 | 0 | 0 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 311140 | 3420 | SH |  | SOLE |  | 3420 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 291859 | 1426 | SH |  | SOLE |  | 1426 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 8185937 | 42146 | SH |  | SOLE |  | 42146 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 14403688 | 252652 | SH |  | SOLE |  | 252652 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1003051 | 9305 | SH |  | SOLE |  | 9305 | 0 | 0 |
| AFLAC INC | COM | 001055102 |  | 1443182 | 13685 | SH |  | SOLE |  | 13685 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 5589610 | 25903 | SH |  | SOLE |  | 25903 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 9217958 | 14919 | SH |  | SOLE |  | 14919 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 284839 | 1238 | SH |  | SOLE |  | 1238 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 332567 | 612 | SH |  | SOLE |  | 612 | 0 | 0 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 221316 | 4226 | SH |  | SOLE |  | 4226 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 1129804 | 47411 | SH |  | SOLE |  | 47411 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1668811 | 3355 | SH |  | SOLE |  | 3355 | 0 | 0 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 5343463 | 87684 | SH |  | SOLE |  | 87684 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 261294 | 460 | SH |  | SOLE |  | 460 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 7428819 | 17497 | SH |  | SOLE |  | 17497 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 296129 | 6258 | SH |  | SOLE |  | 6258 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 565698 | 3210 | SH |  | SOLE |  | 3210 | 0 | 0 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 427685 | 3151 | SH |  | SOLE |  | 3151 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 1044532 | 15539 | SH |  | SOLE |  | 15539 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 24724659 | 139893 | SH |  | SOLE |  | 139893 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 610090 | 4617 | SH |  | SOLE |  | 4617 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 236683 | 1653 | SH |  | SOLE |  | 1653 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 12112048 | 43284 | SH |  | SOLE |  | 43284 | 0 | 0 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 236734 | 2038 | SH |  | SOLE |  | 2038 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 650000 | 1000 | SH | Call | SOLE |  | 1000 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 579158 | 1998 | SH |  | SOLE |  | 1998 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 915999 | 5997 | SH |  | SOLE |  | 5997 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 885019 | 4034 | SH |  | SOLE |  | 4034 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 555147 | 3484 | SH |  | SOLE |  | 3484 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 9349056 | 189023 | SH |  | SOLE |  | 189023 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 586130 | 944 | SH |  | SOLE |  | 944 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 4221998 | 45906 | SH |  | SOLE |  | 45906 | 0 | 0 |
| SPDR INDEX SHS FDS | MSCI ACWI EXUS | 78463X848 |  | 209383 | 6411 | SH |  | SOLE |  | 6411 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 12241733 | 51657 | SH |  | SOLE |  | 51657 | 0 | 0 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 302364 | 1335 | SH |  | SOLE |  | 1335 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 443593 | 601 | SH |  | SOLE |  | 601 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 212073 | 1529 | SH |  | SOLE |  | 1529 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 216611 | 4490 | SH |  | SOLE |  | 4490 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 997080 | 1007 | SH |  | SOLE |  | 1007 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 15179424 | 34625 | SH |  | SOLE |  | 34625 | 0 | 0 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 795185 | 3202 | SH |  | SOLE |  | 3202 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 3165773 | 45821 | SH |  | SOLE |  | 45821 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 283901 | 1103 | SH |  | SOLE |  | 1103 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 48226476 | 158676 | SH |  | SOLE |  | 158676 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 222362 | 1198 | SH |  | SOLE |  | 1198 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 248706 | 537 | SH |  | SOLE |  | 537 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 3052705 | 14879 | SH |  | SOLE |  | 14879 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 618027 | 3484 | SH |  | SOLE |  | 3484 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 547483 | 2162 | SH |  | SOLE |  | 2162 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 435291 | 1226 | SH |  | SOLE |  | 1226 | 0 | 0 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 243547 | 3040 | SH |  | SOLE |  | 3040 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 1492166 | 21091 | SH |  | SOLE |  | 21091 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 254355 | 1908 | SH |  | SOLE |  | 1908 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 274507 | 861 | SH |  | SOLE |  | 861 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 4594646 | 51400 | SH |  | SOLE |  | 51400 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 459144 | 2100 | SH |  | SOLE |  | 2100 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 246007 | 842 | SH |  | SOLE |  | 842 | 0 | 0 |

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