# EDGAR Filing Document

**Accession Number:** 0001728866
**File Stem:** 0001728866-26-000001
**Filing Date:** 2026-1
**Character Count:** 12184
**Document Hash:** b00d119f72444a7f49045d9f2437a452
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001728866-26-000001.hdr.sgml**: 20260130

**ACCESSION NUMBER**: 0001728866-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260130

**DATE AS OF CHANGE**: 20260130

**EFFECTIVENESS DATE**: 20260130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Smart Money Group LLC
- **CENTRAL INDEX KEY:** 0001728866

**ORGANIZATION NAME:**
- **EIN:** 813038854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18631
- **FILM NUMBER:** 26582097

**BUSINESS ADDRESS:**
- **STREET 1:** PO BOX 904
- **CITY:** EASTLAND
- **STATE:** TX
- **ZIP:** 76448
- **BUSINESS PHONE:** 254-629-3863

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 904
- **CITY:** EASTLAND
- **STATE:** TX
- **ZIP:** 76448

### 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:** Smart Money Group LLC<br>**Address:** PO BOX 904<br>EASTLAND, TX 76448

**Form 13F File Number:** 028-18631

**CRD Number (if applicable):** 000284187

**SEC File Number (if applicable):** 801-107979

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:** Jim R Kennedy<br>**Title:** Principal<br>**Phone:** 254-629-3863

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

Jim R Kennedy  Eastland, TX  01-30-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[ ] **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).)

[x] **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:** 85

**Form 13F Information Table Value Total:** $342861605

      (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.]

|   No. | Name                | Form 13F File Number   |   CRD Number | SEC File Number   |
|---:|:---|:---|---:|:---|
|     1 | Empowered Funds LLC | 028-17729              |    000017141 | 801-79835         |

### 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 |
| EA SERIES TRUST | YOKE CORE ETF | 02072Q788 |  | 201517792 | 7414194 | SH |  | SOLE |  | 0 | 0 | 7414194 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 9725484 | 234462 | SH |  | SOLE |  | 0 | 0 | 234462 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 8011279 | 87670 | SH |  | SOLE |  | 0 | 0 | 87670 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 7750723 | 99521 | SH |  | SOLE |  | 0 | 0 | 99521 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 7393916 | 18657 | SH |  | SOLE |  | 0 | 0 | 18657 |
| ISHARES U S ETF TR | SHORT MATURITY M | 46431W838 |  | 6856686 | 136262 | SH |  | SOLE |  | 0 | 0 | 136262 |
| TIDAL TRUST I | FOLIOBEYOND ALTE | 886364637 |  | 5311471 | 147091 | SH |  | SOLE |  | 0 | 0 | 147091 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 |  | 4477598 | 58738 | SH |  | SOLE |  | 0 | 0 | 58738 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3318528 | 17794 | SH |  | SOLE |  | 0 | 0 | 17794 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 3304905 | 30855 | SH |  | SOLE |  | 0 | 0 | 30855 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 3257466 | 139387 | SH |  | SOLE |  | 0 | 0 | 139387 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 3202818 | 63649 | SH |  | SOLE |  | 0 | 0 | 63649 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 2874972 | 56975 | SH |  | SOLE |  | 0 | 0 | 56975 |
| MICROSOFT CORP | COM | 594918104 |  | 2874363 | 5943 | SH |  | SOLE |  | 0 | 0 | 5943 |
| APPLE INC | COM | 037833100 |  | 2817249 | 10363 | SH |  | SOLE |  | 0 | 0 | 10363 |
| FIRST FINL BANKSHARES INC | COM | 32020R109 |  | 2386333 | 79891 | SH |  | SOLE |  | 0 | 0 | 79891 |
| NOBLE CORP PLC | ORD SHS A | G65431127 |  | 2352618 | 83308 | SH |  | SOLE |  | 0 | 0 | 83308 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 2317419 | 44217 | SH |  | SOLE |  | 0 | 0 | 44217 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2160805 | 6904 | SH |  | SOLE |  | 0 | 0 | 6904 |
| AMAZON COM INC | COM | 023135106 |  | 2078765 | 9006 | SH |  | SOLE |  | 0 | 0 | 9006 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 1985555 | 9997 | SH |  | SOLE |  | 0 | 0 | 9997 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1981949 | 3943 | SH |  | SOLE |  | 0 | 0 | 3943 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 1735343 | 18430 | SH |  | SOLE |  | 0 | 0 | 18430 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1668591 | 2661 | SH |  | SOLE |  | 0 | 0 | 2661 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1637837 | 2481 | SH |  | SOLE |  | 0 | 0 | 2481 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1547537 | 7478 | SH |  | SOLE |  | 0 | 0 | 7478 |
| BROADCOM INC | COM | 11135F101 |  | 1530985 | 4424 | SH |  | SOLE |  | 0 | 0 | 4424 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1381781 | 2249 | SH |  | SOLE |  | 0 | 0 | 2249 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 1352664 | 9811 | SH |  | SOLE |  | 0 | 0 | 9811 |
| TJX COS INC NEW | COM | 872540109 |  | 1349287 | 8784 | SH |  | SOLE |  | 0 | 0 | 8784 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 1330706 | 11152 | SH |  | SOLE |  | 0 | 0 | 11152 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 |  | 1288660 | 11196 | SH |  | SOLE |  | 0 | 0 | 11196 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1257113 | 1835 | SH |  | SOLE |  | 0 | 0 | 1835 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 1234618 | 1154 | SH |  | SOLE |  | 0 | 0 | 1154 |
| MOODYS CORP | COM | 615369105 |  | 1193525 | 2336 | SH |  | SOLE |  | 0 | 0 | 2336 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1187522 | 9868 | SH |  | SOLE |  | 0 | 0 | 9868 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 1168958 | 13412 | SH |  | SOLE |  | 0 | 0 | 13412 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 1144780 | 2367 | SH |  | SOLE |  | 0 | 0 | 2367 |
| ABBVIE INC | COM | 00287Y109 |  | 1127015 | 4932 | SH |  | SOLE |  | 0 | 0 | 4932 |
| HOME DEPOT INC | COM | 437076102 |  | 1123712 | 3266 | SH |  | SOLE |  | 0 | 0 | 3266 |
| S GLOBAL INC | COM | 78409V104 |  | 1123613 | 2150 | SH |  | SOLE |  | 0 | 0 | 2150 |
| LOWES COS INC | COM | 548661107 |  | 1121803 | 4652 | SH |  | SOLE |  | 0 | 0 | 4652 |
| PACCAR INC | COM | 693718108 |  | 1116933 | 10199 | SH |  | SOLE |  | 0 | 0 | 10199 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1111017 | 1946 | SH |  | SOLE |  | 0 | 0 | 1946 |
| COCA COLA CO | COM | 191216100 |  | 1096032 | 15678 | SH |  | SOLE |  | 0 | 0 | 15678 |
| QUALCOMM INC | COM | 747525103 |  | 1094529 | 6399 | SH |  | SOLE |  | 0 | 0 | 6399 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1063298 | 7420 | SH |  | SOLE |  | 0 | 0 | 7420 |
| AUTOZONE INC | COM | 053332102 |  | 1058148 | 312 | SH |  | SOLE |  | 0 | 0 | 312 |
| FIDELITY COVINGTON TRUST | LOW VOLITY ETF | 316092824 |  | 1048820 | 15713 | SH |  | SOLE |  | 0 | 0 | 15713 |
| OLD DOMINION FREIGHT LINE IN | COM | 679580100 |  | 1041210 | 6640 | SH |  | SOLE |  | 0 | 0 | 6640 |
| NOVO-NORDISK A S | ADR | 670100205 |  | 999592 | 19646 | SH |  | SOLE |  | 0 | 0 | 19646 |
| UNILEVER PLC | SPON ADR NEW | 904767803 |  | 993884 | 15197 | SH |  | SOLE |  | 0 | 0 | 15197 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 985754 | 3938 | SH |  | SOLE |  | 0 | 0 | 3938 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 978679 | 1435 | SH |  | SOLE |  | 0 | 0 | 1435 |
| WALMART INC | COM | 931142103 |  | 935073 | 8393 | SH |  | SOLE |  | 0 | 0 | 8393 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 931071 | 8991 | SH |  | SOLE |  | 0 | 0 | 8991 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 921779 | 28752 | SH |  | SOLE |  | 0 | 0 | 28752 |
| EOG RES INC | COM | 26875P101 |  | 879715 | 8377 | SH |  | SOLE |  | 0 | 0 | 8377 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 855877 | 2727 | SH |  | SOLE |  | 0 | 0 | 2727 |
| COPART INC | COM | 217204106 |  | 832760 | 21271 | SH |  | SOLE |  | 0 | 0 | 21271 |
| SCHWAB STRATEGIC TR | LONG TERM US | 808524680 |  | 754658 | 23806 | SH |  | SOLE |  | 0 | 0 | 23806 |
| FRANKLIN TEMPLETON ETF TR | FRANKLIN DYN MUN | 35473P868 |  | 715326 | 28763 | SH |  | SOLE |  | 0 | 0 | 28763 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 683096 | 5924 | SH |  | SOLE |  | 0 | 0 | 5924 |
| VANECK ETF TRUST | FALLEN ANGEL HG | 92189F437 |  | 629750 | 21446 | SH |  | SOLE |  | 0 | 0 | 21446 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F698 |  | 601523 | 12645 | SH |  | SOLE |  | 0 | 0 | 12645 |
| BLACKSTONE INC | COM | 09260D107 |  | 536436 | 3480 | SH |  | SOLE |  | 0 | 0 | 3480 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 489183 | 1610 | SH |  | SOLE |  | 0 | 0 | 1610 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 485105 | 2834 | SH |  | SOLE |  | 0 | 0 | 2834 |
| CHEVRON CORP NEW | COM | 166764100 |  | 484604 | 3180 | SH |  | SOLE |  | 0 | 0 | 3180 |
| CELESTICA INC | COM | 15101Q207 |  | 447849 | 1515 | SH |  | SOLE |  | 0 | 0 | 1515 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 445118 | 516 | SH |  | SOLE |  | 0 | 0 | 516 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 432421 | 1968 | SH |  | SOLE |  | 0 | 0 | 1968 |
| TESLA INC | COM | 88160R101 |  | 401600 | 893 | SH |  | SOLE |  | 0 | 0 | 893 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 371675 | 2091 | SH |  | SOLE |  | 0 | 0 | 2091 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 367258 | 5701 | SH |  | SOLE |  | 0 | 0 | 5701 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 355281 | 913 | SH |  | SOLE |  | 0 | 0 | 913 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A664 |  | 344978 | 13033 | SH |  | SOLE |  | 0 | 0 | 13033 |
| VANGUARD WELLINGTON FD | US VALUE FACTR | 921935805 |  | 332283 | 2503 | SH |  | SOLE |  | 0 | 0 | 2503 |
| KINDER MORGAN INC DEL | COM | 49456B101 |  | 248126 | 9026 | SH |  | SOLE |  | 0 | 0 | 9026 |
| ELI LILLY  CO | COM | 532457108 |  | 231189 | 215 | SH |  | SOLE |  | 0 | 0 | 215 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 229644 | 8372 | SH |  | SOLE |  | 0 | 0 | 8372 |
| ARISTA NETWORKS INC | COM SHS | 040413205 |  | 227861 | 1739 | SH |  | SOLE |  | 0 | 0 | 1739 |
| EMCOR GROUP INC | COM | 29084Q100 |  | 216660 | 354 | SH |  | SOLE |  | 0 | 0 | 354 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 213226 | 604 | SH |  | SOLE |  | 0 | 0 | 604 |
| DILLARDS INC | CL A | 254067101 |  | 207840 | 343 | SH |  | SOLE |  | 0 | 0 | 343 |

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