# EDGAR Filing Document

**Accession Number:** 0001844454
**File Stem:** 0001844454-25-000005
**Filing Date:** 2025-7
**Character Count:** 13087
**Document Hash:** be40abd5864e759acd2c6e0f6a8eb0bc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001844454-25-000005.hdr.sgml**: 20250725

**ACCESSION NUMBER**: 0001844454-25-000005

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250725

**DATE AS OF CHANGE**: 20250725

**EFFECTIVENESS DATE**: 20250725

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Wells Financial Advisors INC
- **CENTRAL INDEX KEY:** 0001844454

**ORGANIZATION NAME:**
- **EIN:** 043318813
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20674
- **FILM NUMBER:** 251151473

**BUSINESS ADDRESS:**
- **STREET 1:** 205 NEWBURY STREET
- **STREET 2:** SUITE 201
- **CITY:** FRAMINGHAM
- **STATE:** MA
- **ZIP:** 01701
- **BUSINESS PHONE:** 5086559303

**MAIL ADDRESS:**
- **STREET 1:** 205 NEWBURY STREET
- **STREET 2:** SUITE 201
- **CITY:** FRAMINGHAM
- **STATE:** MA
- **ZIP:** 01701

### 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:** Wells Financial Advisors INC<br>**Address:** 205 NEWBURY STREET<br>SUITE 201<br>FRAMINGHAM, MA 01701

**Form 13F File Number:** 028-20674

**CRD Number (if applicable):** 000125209

**SEC File Number (if applicable):** 801-116680

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:** Terry Wells<br>**Title:** Chief Compliance Officer<br>**Phone:** 508.655.9303

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

Terry Wells  Framingham, MA  07-24-2025<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:** 76

**Form 13F Information Table Value Total:** $72776524

      (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 |
| ALPHA ARCHITECT 1-3 MONTH BOX ETF | Exchange Traded Fund | 02072L565 |  | 3718 | 33 | SH |  | SOLE |  | 0 | 0 | 33 |
| ALPHABET INC CAP STK CL A | Common Stock | 02079K305 |  | 77541 | 440 | SH |  | SOLE |  | 0 | 0 | 440 |
| AMAZON COM INC COM | Common Stock | 023135106 |  | 61429 | 280 | SH |  | SOLE |  | 0 | 0 | 280 |
| BROADCOM INC COM | Common Stock | 11135F101 |  | 19296 | 70 | SH |  | SOLE |  | 0 | 0 | 70 |
| COLUMBIA U.S. EQUITY INCOME ETF | Exchange Traded Fund | 19761L854 |  | 63506 | 1410 | SH |  | SOLE |  | 0 | 0 | 1410 |
| ENERGY SELECT SECTOR SPDR FUND | Exchange Traded Fund | 81369Y506 |  | 119582 | 1410 | SH |  | SOLE |  | 0 | 0 | 1410 |
| HOME DEPOT INC COM | Common Stock | 437076102 |  | 12352 | 34 | SH |  | SOLE |  | 0 | 0 | 34 |
| INTERNATIONAL BUSINESS MACHS COM | Common Stock | 459200101 |  | 17097 | 58 | SH |  | SOLE |  | 0 | 0 | 58 |
| ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF | Exchange Traded Fund | 46434V407 |  | 92104 | 2135 | SH |  | SOLE |  | 0 | 0 | 2135 |
| ISHARES 10-20 YEAR TREASURY BOND ETF | Exchange Traded Fund | 464288653 |  | 84836 | 835 | SH |  | SOLE |  | 0 | 0 | 835 |
| ISHARES 20 YEAR TREASURY BOND ETF | Exchange Traded Fund | 464287432 |  | 232980 | 2640 | SH |  | SOLE |  | 0 | 0 | 2640 |
| ISHARES CONVERTIBLE BOND ETF | Exchange Traded Fund | 46435G102 |  | 15768 | 175 | SH |  | SOLE |  | 0 | 0 | 175 |
| ISHARES CORE DIVIDEND GROWTH ETF | Exchange Traded Fund | 46434V621 |  | 1301243 | 20351 | SH |  | SOLE |  | 0 | 0 | 20351 |
| ISHARES CORE MSCI EMERGING MARKETS ETF | Exchange Traded Fund | 46434G103 |  | 40520 | 675 | SH |  | SOLE |  | 0 | 0 | 675 |
| ISHARES CORE S 500 ETF | Exchange Traded Fund | 464287200 |  | 926383 | 1492 | SH |  | SOLE |  | 0 | 0 | 1492 |
| ISHARES CORE S TOTAL U.S. STOCK MARKET ETF | Exchange Traded Fund | 464287150 |  | 43213 | 320 | SH |  | SOLE |  | 0 | 0 | 320 |
| ISHARES CORE TOTAL USD BOND MARKET ETF | Exchange Traded Fund | 46434V613 |  | 765107 | 16550 | SH |  | SOLE |  | 0 | 0 | 16550 |
| ISHARES CORE U.S. AGGREGATE BOND ETF | Exchange Traded Fund | 464287226 |  | 664442 | 6698 | SH |  | SOLE |  | 0 | 0 | 6698 |
| ISHARES CURRENCY HEDGED MSCI EAFE ETF | Exchange Traded Fund | 46434V803 |  | 16133 | 425 | SH |  | SOLE |  | 0 | 0 | 425 |
| ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF | Exchange Traded Fund | 46435G243 |  | 268312 | 10660 | SH |  | SOLE |  | 0 | 0 | 10660 |
| ISHARES ESG AWARE MSCI USA SMALL-CAP ETF | Exchange Traded Fund | 46435U663 |  | 292823 | 7085 | SH |  | SOLE |  | 0 | 0 | 7085 |
| ISHARES ESG AWARE USD CORPORATE BOND ETF | Exchange Traded Fund | 46435G193 |  | 519074 | 22345 | SH |  | SOLE |  | 0 | 0 | 22345 |
| ISHARES ESG SELECT SCREENED S MID-CAP ETF | Exchange Traded Fund | 46436E551 |  | 33200 | 800 | SH |  | SOLE |  | 0 | 0 | 800 |
| ISHARES FLEXIBLE INCOME ACTIVE ETF | Exchange Traded Fund | 092528603 |  | 1100657 | 20830 | SH |  | SOLE |  | 0 | 0 | 20830 |
| ISHARES GOLD TRUST | Exchange Traded Fund | 464285204 |  | 124720 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| ISHARES HIGH YIELD SYSTEMATIC BOND ETF | Exchange Traded Fund | 46435G250 |  | 15192 | 320 | SH |  | SOLE |  | 0 | 0 | 320 |
| ISHARES IBONDS DEC 2025 TERM CORPORATE ETF | Exchange Traded Fund | 46434VBD1 |  | 36259 | 1440 | SH |  | SOLE |  | 0 | 0 | 1440 |
| ISHARES MSCI EAFE GROWTH ETF | Exchange Traded Fund | 464288885 |  | 169120 | 1510 | SH |  | SOLE |  | 0 | 0 | 1510 |
| ISHARES MSCI EAFE VALUE ETF | Exchange Traded Fund | 464288877 |  | 159970 | 2520 | SH |  | SOLE |  | 0 | 0 | 2520 |
| ISHARES MSCI EMERGING MARKETS EX CHINA ETF | Exchange Traded Fund | 46434G764 |  | 107969 | 1710 | SH |  | SOLE |  | 0 | 0 | 1710 |
| ISHARES MSCI INTL QUALITY FACTOR ETF | Exchange Traded Fund | 46434V456 |  | 1076437 | 24906 | SH |  | SOLE |  | 0 | 0 | 24906 |
| ISHARES MSCI USA MIN VOL FACTOR ETF | Exchange Traded Fund | 46429B697 |  | 5154207 | 54908 | SH |  | SOLE |  | 0 | 0 | 54908 |
| ISHARES MSCI USA QUALITY FACTOR ETF | Exchange Traded Fund | 46432F339 |  | 3124942 | 17093 | SH |  | SOLE |  | 0 | 0 | 17093 |
| ISHARES S 100 ETF | Exchange Traded Fund | 464287101 |  | 211828 | 696 | SH |  | SOLE |  | 0 | 0 | 696 |
| ISHARES S MID-CAP FUND ETF | Exchange Traded Fund | 464287507 |  | 691833 | 11155 | SH |  | SOLE |  | 0 | 0 | 11155 |
| ISHARES S SMALL-CAP FUND ETF | Exchange Traded Fund | 464287804 |  | 433881 | 3970 | SH |  | SOLE |  | 0 | 0 | 3970 |
| ISHARES U.S. EQUITY FACTOR ROTATION ACTIVE ETF | Exchange Traded Fund | 09290C103 |  | 1308946 | 24035 | SH |  | SOLE |  | 0 | 0 | 24035 |
| ISHARES U.S. TECHNOLOGY ETF | Exchange Traded Fund | 464287721 |  | 224385 | 1295 | SH |  | SOLE |  | 0 | 0 | 1295 |
| ISHARES U.S. THEMATIC ROTATION ACTIVE ETF | Exchange Traded Fund | 09290C806 |  | 47321 | 1330 | SH |  | SOLE |  | 0 | 0 | 1330 |
| ISHARES ULTRA SHORT DURATION BOND ACTIVE ETF | Exchange Traded Fund | 46434V878 |  | 42343 | 835 | SH |  | SOLE |  | 0 | 0 | 835 |
| KYNDRYL HLDGS INC COMMON STOCK | Common Stock | 50155Q100 |  | 420 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| MICROSOFT CORP COM | Common Stock | 594918104 |  | 150715 | 303 | SH |  | SOLE |  | 0 | 0 | 303 |
| ROBLOX CORP CL A | Common Stock | 771049103 |  | 15780 | 150 | SH |  | SOLE |  | 0 | 0 | 150 |
| SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF | Exchange Traded Fund | 78464A359 |  | 212436 | 2570 | SH |  | SOLE |  | 0 | 0 | 2570 |
| SPDR GOLD SHARES ETF | Exchange Traded Fund | 78463V107 |  | 3969191 | 13021 | SH |  | SOLE |  | 0 | 0 | 13021 |
| SPDR PORTFOLIO S 500 ETF | Exchange Traded Fund | 78464A854 |  | 1048553 | 14425 | SH |  | SOLE |  | 0 | 0 | 14425 |
| SPDR PORTFOLIO S 500 GROWTH ETF | Exchange Traded Fund | 78464A409 |  | 3020881 | 31692 | SH |  | SOLE |  | 0 | 0 | 31692 |
| SPDR PORTFOLIO S 500 VALUE ETF | Exchange Traded Fund | 78464A508 |  | 2288828 | 43730 | SH |  | SOLE |  | 0 | 0 | 43730 |
| SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF | Exchange Traded Fund | 78464A474 |  | 51202 | 1696 | SH |  | SOLE |  | 0 | 0 | 1696 |
| SPDR S 500 ESG ETF | Exchange Traded Fund | 78468R531 |  | 152816 | 2610 | SH |  | SOLE |  | 0 | 0 | 2610 |
| SPDR S 500 ETF TRUST | Exchange Traded Fund | 78462F103 |  | 618 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF | Exchange Traded Fund | 921908844 |  | 1084751 | 5300 | SH |  | SOLE |  | 0 | 0 | 5300 |
| VANGUARD ESG INTERNATIONAL STOCK ETF | Exchange Traded Fund | 921910725 |  | 32750 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| VANGUARD ESG U.S. STOCK ETF | Exchange Traded Fund | 921910733 |  | 43856 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| VANGUARD GROWTH INDEX FUND ETF | Exchange Traded Fund | 922908736 |  | 8442610 | 19258 | SH |  | SOLE |  | 0 | 0 | 19258 |
| VANGUARD HIGH DIVIDEND YIELD INDEX ETF | Exchange Traded Fund | 921946406 |  | 3584973 | 26892 | SH |  | SOLE |  | 0 | 0 | 26892 |
| VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF | Exchange Traded Fund | 92206C870 |  | 301829 | 3640 | SH |  | SOLE |  | 0 | 0 | 3640 |
| VANGUARD INTERMEDIATE-TERM TREASURY ETF | Exchange Traded Fund | 92206C706 |  | 1610923 | 26934 | SH |  | SOLE |  | 0 | 0 | 26934 |
| VANGUARD LARGE-CAP INDEX FUND ETF | Exchange Traded Fund | 922908637 |  | 3236443 | 11344 | SH |  | SOLE |  | 0 | 0 | 11344 |
| VANGUARD MEGA CAP ETF | Exchange Traded Fund | 921910873 |  | 123481 | 549 | SH |  | SOLE |  | 0 | 0 | 549 |
| VANGUARD MEGA CAP GROWTH ETF | Exchange Traded Fund | 921910816 |  | 7002269 | 19123 | SH |  | SOLE |  | 0 | 0 | 19123 |
| VANGUARD MEGA CAP VALUE ETF | Exchange Traded Fund | 921910840 |  | 3013008 | 22965 | SH |  | SOLE |  | 0 | 0 | 22965 |
| VANGUARD MID-CAP GROWTH INDEX FUND ETF | Exchange Traded Fund | 922908538 |  | 385633 | 1356 | SH |  | SOLE |  | 0 | 0 | 1356 |
| VANGUARD MID-CAP INDEX FUND ETF | Exchange Traded Fund | 922908629 |  | 2435081 | 8702 | SH |  | SOLE |  | 0 | 0 | 8702 |
| VANGUARD MID-CAP VALUE INDEX FUND ETF | Exchange Traded Fund | 922908512 |  | 197352 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| VANGUARD MORTGAGE-BACKED SECURITIES ETF | Exchange Traded Fund | 92206C771 |  | 124191 | 2680 | SH |  | SOLE |  | 0 | 0 | 2680 |
| VANGUARD S 500 ETF | Exchange Traded Fund | 922908363 |  | 227212 | 400 | SH |  | SOLE |  | 0 | 0 | 400 |
| VANGUARD SHORT-TERM TREASURY ETF | Exchange Traded Fund | 92206C102 |  | 2608715 | 44381 | SH |  | SOLE |  | 0 | 0 | 44381 |
| VANGUARD SMALL-CAP GROWTH ETF | Exchange Traded Fund | 922908595 |  | 342575 | 1237 | SH |  | SOLE |  | 0 | 0 | 1237 |
| VANGUARD SMALL-CAP INDEX FUND ETF | Exchange Traded Fund | 922908751 |  | 2478397 | 10458 | SH |  | SOLE |  | 0 | 0 | 10458 |
| VANGUARD SMALL-CAP VALUE INDEX FUND ETF | Exchange Traded Fund | 922908611 |  | 243958 | 1251 | SH |  | SOLE |  | 0 | 0 | 1251 |
| VANGUARD TAX-EXEMPT BOND ETF | Exchange Traded Fund | 922907746 |  | 925686 | 18880 | SH |  | SOLE |  | 0 | 0 | 18880 |
| VANGUARD TOTAL BOND MARKET ETF | Exchange Traded Fund | 921937835 |  | 1604103 | 21786 | SH |  | SOLE |  | 0 | 0 | 21786 |
| VANGUARD TOTAL STOCK MARKET ETF | Exchange Traded Fund | 922908769 |  | 34040 | 112 | SH |  | SOLE |  | 0 | 0 | 112 |
| VANGUARD VALUE FUND ETF | Exchange Traded Fund | 922908744 |  | 2068981 | 11706 | SH |  | SOLE |  | 0 | 0 | 11706 |
| WALMART INC COM | Common Stock | 931142103 |  | 11598 | 119 | SH |  | SOLE |  | 0 | 0 | 119 |

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