# EDGAR Filing Document

**Accession Number:** 0002028202
**File Stem:** 0001754960-26-000078
**Filing Date:** 2026-1
**Character Count:** 11524
**Document Hash:** 9348ae3cec8295ad5367378d02874896
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001754960-26-000078.hdr.sgml**: 20260115

**ACCESSION NUMBER**: 0001754960-26-000078

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260115

**DATE AS OF CHANGE**: 20260115

**EFFECTIVENESS DATE**: 20260115

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Elser Financial Planning, Inc
- **CENTRAL INDEX KEY:** 0002028202

**ORGANIZATION NAME:**
- **EIN:** 208133384
- **STATE OF INCORPORATION:** IN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24229
- **FILM NUMBER:** 26536957

**BUSINESS ADDRESS:**
- **STREET 1:** 8900 KEYSTONE CROSSING
- **STREET 2:** SUITE 450
- **CITY:** INDIANAPOLIS
- **STATE:** IN
- **ZIP:** 46240
- **BUSINESS PHONE:** 3177315615

**MAIL ADDRESS:**
- **STREET 1:** 8900 KEYSTONE CROSSING
- **STREET 2:** SUITE 450
- **CITY:** INDIANAPOLIS
- **STATE:** IN
- **ZIP:** 46240

### 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:** Elser Financial Planning Inc<br>**Address:** 8900 KEYSTONE CROSSING<br>SUITE 450<br>INDIANAPOLIS, IN 46240

**Form 13F File Number:** 028-24229

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:** Aryn Sands<br>**Title:** Agent<br>**Phone:** 844-844-3453

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

Aryn Sands  Reno, NV  01-15-2026<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:** 80

**Form 13F Information Table Value Total:** $138274594

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 290297 | 2317 | SH |  | SOLE |  | 0 | 0 | 2317 |
| ALLSTATE CORP | COM | 020002101 |  | 506504 | 2433 | SH |  | SOLE |  | 0 | 0 | 2433 |
| AMAZON COM INC | COM | 023135106 |  | 1879341 | 8142 | SH |  | SOLE |  | 0 | 0 | 8142 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 663537 | 4910 | SH |  | SOLE |  | 0 | 0 | 4910 |
| ELEVANCE HEALTH INC FORMERLY | COM | 036752103 |  | 313398 | 894 | SH |  | SOLE |  | 0 | 0 | 894 |
| APPLE INC | COM | 037833100 |  | 7435789 | 27352 | SH |  | SOLE |  | 0 | 0 | 27352 |
| BANK AMERICA CORP | COM | 060505104 |  | 314875 | 5725 | SH |  | SOLE |  | 0 | 0 | 5725 |
| BERKLEY W R CORP | COM | 084423102 |  | 559506 | 4792 | SH |  | SOLE |  | 0 | 0 | 4792 |
| BITWISE 10 CRYPTO INDEX ETF | UNIT BENEFICIAL | 091749101 |  | 931992 | 15861 | SH |  | SOLE |  | 0 | 0 | 15861 |
| BRADY CORP | CL A | 104674106 |  | 2119675 | 4217 | SH |  | SOLE |  | 0 | 0 | 4217 |
| BROWN  BROWN INC | COM | 115236101 |  | 2353780 | 29533 | SH |  | SOLE |  | 0 | 0 | 29533 |
| CSX CORP | COM | 126408103 |  | 416295 | 11484 | SH |  | SOLE |  | 0 | 0 | 11484 |
| CATERPILLAR INC | COM | 149123101 |  | 732701 | 1279 | SH |  | SOLE |  | 0 | 0 | 1279 |
| CHEVRON CORP NEW | COM | 166764100 |  | 665951 | 4369 | SH |  | SOLE |  | 0 | 0 | 4369 |
| COCA COLA CO | COM | 191216100 |  | 1128557 | 16143 | SH |  | SOLE |  | 0 | 0 | 16143 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 365626 | 4627 | SH |  | SOLE |  | 0 | 0 | 4627 |
| COMMERCE BANCSHARES INC | COM | 200525103 |  | 237153 | 4531 | SH |  | SOLE |  | 0 | 0 | 4531 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 3171954 | 42766 | SH |  | SOLE |  | 0 | 0 | 42766 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 1356266 | 19467 | SH |  | SOLE |  | 0 | 0 | 19467 |
| DIMENSIONAL ETF TRUST | GLOBAL EX US COR | 25434V575 |  | 33434128 | 635207 | SH |  | SOLE |  | 0 | 0 | 635207 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 341344 | 7327 | SH |  | SOLE |  | 0 | 0 | 7327 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 388671 | 7789 | SH |  | SOLE |  | 0 | 0 | 7789 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 1296779 | 30469 | SH |  | SOLE |  | 0 | 0 | 30469 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 729977 | 22303 | SH |  | SOLE |  | 0 | 0 | 22303 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 240065 | 7488 | SH |  | SOLE |  | 0 | 0 | 7488 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 337345102 |  | 1331304 | 5783 | SH |  | SOLE |  | 0 | 0 | 5783 |
| HOME DEPOT INC | COM | 437076102 |  | 242251 | 704 | SH |  | SOLE |  | 0 | 0 | 704 |
| INTEL CORP | COM | 458140100 |  | 227470 | 6165 | SH |  | SOLE |  | 0 | 0 | 6165 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 415368 | 676 | SH |  | SOLE |  | 0 | 0 | 676 |
| INTUIT | COM | 461202103 |  | 295720 | 446 | SH |  | SOLE |  | 0 | 0 | 446 |
| ISHARES TR | CORE S ETF | 464287200 |  | 471239 | 688 | SH |  | SOLE |  | 0 | 0 | 688 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 303743 | 3163 | SH |  | SOLE |  | 0 | 0 | 3163 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1763197 | 8520 | SH |  | SOLE |  | 0 | 0 | 8520 |
| KROGER CO | COM | 501044101 |  | 246853 | 3951 | SH |  | SOLE |  | 0 | 0 | 3951 |
| LIBERTY BROADBAND CORP | COM SER C | 530307305 |  | 230410 | 31650 | SH |  | SOLE |  | 0 | 0 | 31650 |
| ELI LILLY  CO | COM | 532457108 |  | 28180186 | 26222 | SH |  | SOLE |  | 0 | 0 | 26222 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 221671 | 458 | SH |  | SOLE |  | 0 | 0 | 458 |
| LOWES COS INC | COM | 548661107 |  | 433847 | 1799 | SH |  | SOLE |  | 0 | 0 | 1799 |
| MARRIOTT INTL INC NEW | CL A | 571903202 |  | 283559 | 914 | SH |  | SOLE |  | 0 | 0 | 914 |
| MCDONALDS CORP | COM | 580135101 |  | 285589 | 934 | SH |  | SOLE |  | 0 | 0 | 934 |
| MICROSOFT CORP | COM | 594918104 |  | 2919333 | 6036 | SH |  | SOLE |  | 0 | 0 | 6036 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 284554 | 997 | SH |  | SOLE |  | 0 | 0 | 997 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 681090 | 2359 | SH |  | SOLE |  | 0 | 0 | 2359 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 238198 | 271 | SH |  | SOLE |  | 0 | 0 | 271 |
| PEPSICO INC | COM | 713448108 |  | 498014 | 3470 | SH |  | SOLE |  | 0 | 0 | 3470 |
| PFIZER INC | COM | 717081103 |  | 223154 | 8962 | SH |  | SOLE |  | 0 | 0 | 8962 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 686003 | 4787 | SH |  | SOLE |  | 0 | 0 | 4787 |
| QUALCOMM INC | COM | 747525103 |  | 301048 | 1760 | SH |  | SOLE |  | 0 | 0 | 1760 |
| RTX CORPORATION | COM | 75513E101 |  | 247773 | 1351 | SH |  | SOLE |  | 0 | 0 | 1351 |
| SHELL PLC | SPON ADS | 780259305 |  | 243807 | 3318 | SH |  | SOLE |  | 0 | 0 | 3318 |
| RYDER SYS INC | COM | 783549108 |  | 289956 | 1515 | SH |  | SOLE |  | 0 | 0 | 1515 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 413351 | 1043 | SH |  | SOLE |  | 0 | 0 | 1043 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 282732 | 9362 | SH |  | SOLE |  | 0 | 0 | 9362 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 292482 | 3646 | SH |  | SOLE |  | 0 | 0 | 3646 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 2763242 | 105347 | SH |  | SOLE |  | 0 | 0 | 105347 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 3645518 | 135471 | SH |  | SOLE |  | 0 | 0 | 135471 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 1051487 | 32234 | SH |  | SOLE |  | 0 | 0 | 32234 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 2971466 | 104335 | SH |  | SOLE |  | 0 | 0 | 104335 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 634498 | 19374 | SH |  | SOLE |  | 0 | 0 | 19374 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 2243032 | 93304 | SH |  | SOLE |  | 0 | 0 | 93304 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 336509 | 16109 | SH |  | SOLE |  | 0 | 0 | 16109 |
| STRYKER CORPORATION | COM | 863667101 |  | 438986 | 1249 | SH |  | SOLE |  | 0 | 0 | 1249 |
| TJX COS INC NEW | COM | 872540109 |  | 251306 | 1636 | SH |  | SOLE |  | 0 | 0 | 1636 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 320908 | 1056 | SH |  | SOLE |  | 0 | 0 | 1056 |
| TEXAS INSTRS INC | COM | 882508104 |  | 231609 | 1335 | SH |  | SOLE |  | 0 | 0 | 1335 |
| UNION PAC CORP | COM | 907818108 |  | 1591839 | 6882 | SH |  | SOLE |  | 0 | 0 | 6882 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 802637 | 3652 | SH |  | SOLE |  | 0 | 0 | 3652 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 400713 | 3945 | SH |  | SOLE |  | 0 | 0 | 3945 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 915734 | 14659 | SH |  | SOLE |  | 0 | 0 | 14659 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 230137 | 4653 | SH |  | SOLE |  | 0 | 0 | 4653 |
| VANGUARD CALIF TAX FREE FDS | TAX EXEMPT BD FD | 922021605 |  | 461497 | 4603 | SH |  | SOLE |  | 0 | 0 | 4603 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 318274 | 4327 | SH |  | SOLE |  | 0 | 0 | 4327 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 377498 | 7022 | SH |  | SOLE |  | 0 | 0 | 7022 |
| VANGUARD MUN BD FDS | INTERMEDIATE TRM | 922907738 |  | 706663 | 7008 | SH |  | SOLE |  | 0 | 0 | 7008 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 3566014 | 70909 | SH |  | SOLE |  | 0 | 0 | 70909 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5676877 | 9052 | SH |  | SOLE |  | 0 | 0 | 9052 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 596012 | 3121 | SH |  | SOLE |  | 0 | 0 | 3121 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2239267 | 8681 | SH |  | SOLE |  | 0 | 0 | 8681 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 489517 | 1460 | SH |  | SOLE |  | 0 | 0 | 1460 |
| WALMART INC | COM | 931142103 |  | 605291 | 5433 | SH |  | SOLE |  | 0 | 0 | 5433 |

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