# EDGAR Filing Document

**Accession Number:** 0002111360
**File Stem:** 0001951757-26-000454
**Filing Date:** 2026-2
**Character Count:** 10548
**Document Hash:** e497ec6097e910ce949b1468facd9dd8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000454.hdr.sgml**: 20260213

**ACCESSION NUMBER**: 0001951757-26-000454

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260213

**DATE AS OF CHANGE**: 20260213

**EFFECTIVENESS DATE**: 20260213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Tenzing Financial LLC
- **CENTRAL INDEX KEY:** 0002111360

**ORGANIZATION NAME:**
- **EIN:** 851507528
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26343
- **FILM NUMBER:** 26630723

**BUSINESS ADDRESS:**
- **STREET 1:** 1215 MT VERNON AVE
- **STREET 2:** SUITE C
- **CITY:** WILLIAMSBURG
- **STATE:** VA
- **ZIP:** 23185
- **BUSINESS PHONE:** (757) 703-0030

**MAIL ADDRESS:**
- **STREET 1:** 1215 MT VERNON AVE
- **STREET 2:** SUITE C
- **CITY:** WILLIAMSBURG
- **STATE:** VA
- **ZIP:** 23185

### 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:** Tenzing Financial LLC<br>**Address:** 1215 MT VERNON AVE<br>SUITE C<br>WILLIAMSBURG, VA 23185

**Form 13F File Number:** 028-26343

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:** Harold Philipsen<br>**Title:** Chief Compliance Officer<br>**Phone:** 757.645.5057

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

Harold Philipsen  Williamsburg, VA  02-13-2026<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:** 68

**Form 13F Information Table Value Total:** $123240065

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 1188031 | 5147 | SH |  | SOLE |  | 0 | 0 | 5147 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A649 |  | 8468651 | 328880 | SH |  | SOLE |  | 0 | 0 | 328880 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 272462 | 1317 | SH |  | SOLE |  | 0 | 0 | 1317 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 269680 | 804 | SH |  | SOLE |  | 0 | 0 | 804 |
| BANCO BRADESCO S A | SP ADR PFD NEW | 059460303 |  | 48065 | 14434 | SH |  | SOLE |  | 0 | 0 | 14434 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 802404 | 1177 | SH |  | SOLE |  | 0 | 0 | 1177 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 305435 | 535 | SH |  | SOLE |  | 0 | 0 | 535 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 453934 | 18882 | SH |  | SOLE |  | 0 | 0 | 18882 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 8124084 | 249052 | SH |  | SOLE |  | 0 | 0 | 249052 |
| FRANKLIN TEMPLETON ETF TR | FTSE CHINA | 35473P819 |  | 893877 | 37558 | SH |  | SOLE |  | 0 | 0 | 37558 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 364288 | 3031 | SH |  | SOLE |  | 0 | 0 | 3031 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 368945 | 734 | SH |  | SOLE |  | 0 | 0 | 734 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 10781106 | 130712 | SH |  | SOLE |  | 0 | 0 | 130712 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1347739 | 4306 | SH |  | SOLE |  | 0 | 0 | 4306 |
| MICROSOFT CORP | COM | 594918104 |  | 2243730 | 4639 | SH |  | SOLE |  | 0 | 0 | 4639 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 572391 | 2219 | SH |  | SOLE |  | 0 | 0 | 2219 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1169062 | 4028 | SH |  | SOLE |  | 0 | 0 | 4028 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 1319327 | 4191 | SH |  | SOLE |  | 0 | 0 | 4191 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 |  | 7157606 | 113289 | SH |  | SOLE |  | 0 | 0 | 113289 |
| TESLA INC | COM | 88160R101 |  | 682225 | 1517 | SH |  | SOLE |  | 0 | 0 | 1517 |
| JANUS DETROIT STR TR | HENDERSON MTG | 47103U852 |  | 1169534 | 25597 | SH |  | SOLE |  | 0 | 0 | 25597 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 210716 | 336 | SH |  | SOLE |  | 0 | 0 | 336 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 869105 | 17210 | SH |  | SOLE |  | 0 | 0 | 17210 |
| FRANKLIN TEMPLETON ETF TR | HIGH YIELD CORP | 35473P629 |  | 990925 | 40587 | SH |  | SOLE |  | 0 | 0 | 40587 |
| FRANKLIN TEMPLETON ETF TR | FRANKLIN DYN MUN | 35473P868 |  | 424482 | 17068 | SH |  | SOLE |  | 0 | 0 | 17068 |
| FRANKLIN TEMPLETON ETF TR | SENIOR LOAN ETF | 35473P595 |  | 526072 | 22463 | SH |  | SOLE |  | 0 | 0 | 22463 |
| ELI LILLY  CO | COM | 532457108 |  | 1345163 | 1252 | SH |  | SOLE |  | 0 | 0 | 1252 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 249496 | 874 | SH |  | SOLE |  | 0 | 0 | 874 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 16659816 | 291052 | SH |  | SOLE |  | 0 | 0 | 291052 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 |  | 208911 | 676 | SH |  | SOLE |  | 0 | 0 | 676 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A284 |  | 485138 | 19452 | SH |  | SOLE |  | 0 | 0 | 19452 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 3144799 | 114648 | SH |  | SOLE |  | 0 | 0 | 114648 |
| VISA INC | COM CL A | 92826C839 |  | 339570 | 968 | SH |  | SOLE |  | 0 | 0 | 968 |
| AMERICAN CENTY ETF TR | US LARGE CAP VLU | 025072349 |  | 3744446 | 49419 | SH |  | SOLE |  | 0 | 0 | 49419 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 203438 | 417 | SH |  | SOLE |  | 0 | 0 | 417 |
| META PLATFORMS INC | CL A | 30303M102 |  | 795474 | 1205 | SH |  | SOLE |  | 0 | 0 | 1205 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 267810 | 7729 | SH |  | SOLE |  | 0 | 0 | 7729 |
| BROADCOM INC | COM | 11135F101 |  | 925185 | 2673 | SH |  | SOLE |  | 0 | 0 | 2673 |
| ALPS ETF TR | INTER MUNI BD | 00162Q411 |  | 1811174 | 69741 | SH |  | SOLE |  | 0 | 0 | 69741 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 272461 | 5509 | SH |  | SOLE |  | 0 | 0 | 5509 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1767848 | 19761 | SH |  | SOLE |  | 0 | 0 | 19761 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R606 |  | 2147387 | 90722 | SH |  | SOLE |  | 0 | 0 | 90722 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2267569 | 12159 | SH |  | SOLE |  | 0 | 0 | 12159 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 772346 | 11490 | SH |  | SOLE |  | 0 | 0 | 11490 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 261994 | 862 | SH |  | SOLE |  | 0 | 0 | 862 |
| CISCO SYS INC | COM | 17275R102 |  | 227555 | 2954 | SH |  | SOLE |  | 0 | 0 | 2954 |
| ALPS ETF TR | SMITH CORE PLUS | 00162Q346 |  | 6432016 | 246721 | SH |  | SOLE |  | 0 | 0 | 246721 |
| ALPS ETF TR | INTL SEC DV DOG | 00162Q718 |  | 4680299 | 121377 | SH |  | SOLE |  | 0 | 0 | 121377 |
| GE AEROSPACE | COM NEW | 369604301 |  | 249534 | 810 | SH |  | SOLE |  | 0 | 0 | 810 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 541238 | 5121 | SH |  | SOLE |  | 0 | 0 | 5121 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3529520 | 5153 | SH |  | SOLE |  | 0 | 0 | 5153 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 655872 | 2035 | SH |  | SOLE |  | 0 | 0 | 2035 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2165424 | 20217 | SH |  | SOLE |  | 0 | 0 | 20217 |
| BANK AMERICA CORP | COM | 060505104 |  | 222672 | 4049 | SH |  | SOLE |  | 0 | 0 | 4049 |
| WALMART INC | COM | 931142103 |  | 374688 | 3363 | SH |  | SOLE |  | 0 | 0 | 3363 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 202111 | 682 | SH |  | SOLE |  | 0 | 0 | 682 |
| CATERPILLAR INC | COM | 149123101 |  | 248638 | 434 | SH |  | SOLE |  | 0 | 0 | 434 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 878104 | 2798 | SH |  | SOLE |  | 0 | 0 | 2798 |
| APPLIED MATLS INC | COM | 038222105 |  | 222479 | 866 | SH |  | SOLE |  | 0 | 0 | 866 |
| ALPS ETF TR | ALERIAN ENERGY | 00162Q676 |  | 1724232 | 54816 | SH |  | SOLE |  | 0 | 0 | 54816 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 212008 | 1322 | SH |  | SOLE |  | 0 | 0 | 1322 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 305416 | 2538 | SH |  | SOLE |  | 0 | 0 | 2538 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD AN | 85208R101 |  | 287555 | 6278 | SH |  | SOLE |  | 0 | 0 | 6278 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 2785202 | 65242 | SH |  | SOLE |  | 0 | 0 | 65242 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 4002234 | 60640 | SH |  | SOLE |  | 0 | 0 | 60640 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1362462 | 27092 | SH |  | SOLE |  | 0 | 0 | 27092 |
| APPLE INC | COM | 037833100 |  | 2591695 | 9533 | SH |  | SOLE |  | 0 | 0 | 9533 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 645210 | 4574 | SH |  | SOLE |  | 0 | 0 | 4574 |

---