President

0001104659-26-049334.txt : 20260427 0001104659-26-049334.hdr.sgml : 20260427 20260427144646 ACCESSION NUMBER: 0001104659-26-049334 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20260331 FILED AS OF DATE: 20260427 DATE AS OF CHANGE: 20260427 EFFECTIVENESS DATE: 20260427 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Carter Financial Group, INC. CENTRAL INDEX KEY: 0001919749 ORGANIZATION NAME: EIN: 364339370 STATE OF INCORPORATION: IL FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-22446 FILM NUMBER: 26899836 BUSINESS ADDRESS: STREET 1: 222 S. COOK ST. CITY: BARRINGTON STATE: IL ZIP: 60010 BUSINESS PHONE: 847-713-2700 MAIL ADDRESS: STREET 1: 222 S. COOK ST. CITY: BARRINGTON STATE: IL ZIP: 60010 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001919749 XXXXXXXX 03-31-2026 03-31-2026 false Carter Financial Group, INC.

222 S. Cook St. Barrington IL 60010

13F HOLDINGS REPORT 028-22446 N Kevin Carter President 847-713-2700 /s/ Kevin Carter Barrington IL 04-16-2026 0 126 161665299 INFORMATION TABLE 2 infotable.xml Apple Inc COM 037833100 6474607 25512 SH SOLE 0 0 6474607 AbbVie Inc COM 00287Y109 291583 1341 SH SOLE 0 0 291583 Agnico Eagle Mines Ltd COM 008474108 210896 1039 SH SOLE 0 0 210896 iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 350106 3527 SH SOLE 0 0 350106 VistaShares Artfcl Intlgc Supercycle ETF VISTASHARES ARTI 45259A845 1323518 31580 SH SOLE 0 0 1323518 Advanced Micro Devices Inc COM 007903107 272625 1340 SH SOLE 0 0 272625 Amgen Inc COM 031162100 799509 2272 SH SOLE 0 0 799509 Amazon.com Inc COM 023135106 1598681 7676 SH SOLE 0 0 1598681 Arista Networks Inc COM SHS 040413205 991940 8079 SH SOLE 0 0 991940 ASML Holding NV ADR N Y REGISTRY SHS N07059210 410781 311 SH SOLE 0 0 410781 Atmos Energy Corp COM 049560105 204388 1106 SH SOLE 0 0 204388 Broadcom Inc COM 11135F101 666276 2153 SH SOLE 0 0 666276 Avantis US Small Cap Value ETF US SML CP VALU 025072877 264067 2390 SH SOLE 0 0 264067 American Express Co COM 025816109 414990 1372 SH SOLE 0 0 414990 AstraZeneca PLC SPONSORED ADR 046353108 217731 1104 SH SOLE 0 0 217731 Bank of America Corp COM 060505104 298033 6113 SH SOLE 0 0 298033 Banco Bilbao Vizcaya Argentaria SA ADR SPONSORED ADS 058934100 201958 9324 SH SOLE 0 0 201958 Bitwise Bitcoin ETF SHS BEN INT 09174C104 5016099 136270 SH SOLE 0 0 5016099 Cambria Global Real Estate ETF GBL REAL EST ETF 132061813 3048005 127134 SH SOLE 0 0 3048005 Amplify Blockchain Technology ETF BLOCKCHAIN LDR 032108607 6415719 128804 SH SOLE 0 0 6415719 NEOS Enhanced Income Aggregate Bond ETF NEOS ENHCD INME 78433H402 4715946 99917 SH SOLE 0 0 4715946 Vanguard Total International Bond ETF TOTAL INT BD ETF 92203J407 1162323 24190 SH SOLE 0 0 1162323 Berkshire Hathaway Inc Class B CL B NEW 084670702 19987259 41710 SH SOLE 0 0 19987259 Citigroup Inc COM NEW 172967424 449025 3959 SH SOLE 0 0 449025 Pacer US Small Cap Cash Cows 100 ETF US SMALL CAP CAS 69374H857 4756578 106008 SH SOLE 0 0 4756578 Caterpillar Inc COM 149123101 342156 483 SH SOLE 0 0 342156 Constellation Energy Corp COM 21037T109 307548 1101 SH SOLE 0 0 307548 CIM Real Estate Finance Trust Inc COM 12558Q103 66139 12867 SH SOLE 0 0 66139 Capital One Financial Corp COM 14040H105 210843 1156 SH SOLE 0 0 210843 Coinbase Global Inc Ordinary Shares - Class A COM CL A 19260Q107 264709 1516 SH SOLE 0 0 264709 Cisco Systems Inc COM 17275R102 217296 2801 SH SOLE 0 0 217296 NEOS Enhanced Inc 1-3 Month T-Bill ETF NEOS ENH INC 1-3 78433H501 505698 10159 SH SOLE 0 0 505698 Carlisle Companies Inc COM 142339100 201539 604 SH SOLE 0 0 201539 Chevron Corp COM 166764100 214916 1039 SH SOLE 0 0 214916 Xtrackers MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 6835674 138374 SH SOLE 0 0 6835674 BNY Mellon High Yield Strategies Fund SH BEN INT 09660L105 49428 20257 SH SOLE 0 0 49428 Amplify CWP Enhanced Dividend Income ETF CWP ENHANCED DIV 032108409 8072145 179981 SH SOLE 0 0 8072145 Global X Atnms & Elctrc Vhcls ETF AUTONMOUS EV ETF 37954Y624 239786 7857 SH SOLE 0 0 239786 iShares JP Morgan USD Em Mkts Bd ETF JPMORGAN USD EMG 464288281 712176 7582 SH SOLE 0 0 712176 Ford Motor Co COM 345370860 123366 10690 SH SOLE 0 0 123366 First Trust Materials AlphaDEXA(R) ETF MATERIALS ALPH 33734X168 225983 2965 SH SOLE 0 0 225983 Gabelli Financial Services Opp ETF FINL SVCS OPPTYS 36261K400 2681576 64430 SH SOLE 0 0 2681576 GE Aerospace COM NEW 369604301 418905 1476 SH SOLE 0 0 418905 GE Vernova Inc COM 36828A101 296786 340 SH SOLE 0 0 296786 Alphabet Inc Class C CAP STK CL C 02079K107 3198675 11151 SH SOLE 0 0 3198675 Alphabet Inc Class A CAP STK CL A 02079K305 2418960 8412 SH SOLE 0 0 2418960 The Goldman Sachs Group Inc COM 38141G104 422211 499 SH SOLE 0 0 422211 FlexShares Mstar Glbl Upstrm Nat Res ETF MORNSTAR UPSTR 33939L407 279451 5066 SH SOLE 0 0 279451 HSBC Holdings PLC ADR SPON ADR NEW 404280406 376331 4562 SH SOLE 0 0 376331 iShares Core International Aggt Bd ETF CORE INTL AGGR 46435G672 363240 7259 SH SOLE 0 0 363240 iShares Biotechnology ETF ISHARES BIOTECH 464287556 400153 2370 SH SOLE 0 0 400153 International Business Machines Corp COM 459200101 382446 1578 SH SOLE 0 0 382446 Amplify Online Retail ETF ONLIN RETL ETF 032108102 282470 4518 SH SOLE 0 0 282470 iShares Core MSCI Emerging Markets ETF CORE MSCI EMKT 46434G103 393530 5642 SH SOLE 0 0 393530 Intel Corp COM 458140100 518247 11744 SH SOLE 0 0 518247 iShares US Aerospace & Defense ETF US AER DEF ETF 464288760 331326 1515 SH SOLE 0 0 331326 iShares Core S&P Total US Stock Mkt ETF CORE S&P TTL STK 464287150 353660 2483 SH SOLE 0 0 353660 Illinois Tool Works Inc COM 452308109 1159673 4455 SH SOLE 0 0 1159673 iShares Russell 1000 ETF RUS 1000 ETF 464287622 565740 1587 SH SOLE 0 0 565740 iShares Russell 2000 ETF RUSSELL 2000 ETF 464287655 325280 1312 SH SOLE 0 0 325280 iShares Russell 3000 ETF RUSSELL 3000 ETF 464287689 1154497 3115 SH SOLE 0 0 1154497 Janus Henderson Mortgage-Backed Sec ETF HENDERSON MTG 47103U852 1867894 41343 SH SOLE 0 0 1867894 Johnson & Johnson COM 478160104 517559 2117 SH SOLE 0 0 517559 JPMorgan Chase & Co COM 46625H100 734512 2497 SH SOLE 0 0 734512 JPMorgan Ultra-Short Income ETF ULTRA SHRT ETF 46641Q837 1770809 34989 SH SOLE 0 0 1770809 KBS Real Estate Investment Trust III Inc Ordinary Shares ORD SHS 48668L105 62538 23162 SH SOLE 0 0 62538 Lennox International Inc COM 526107107 252892 545 SH SOLE 0 0 252892 Lam Research Corp COM 512807306 292501 1369 SH SOLE 0 0 292501 Labor Smart Inc COM 50541A108 1600 8000000 SH SOLE 0 0 1600 Lloyds Banking Group PLC ADR SPONSORED ADR 539439109 125971 25044 SH SOLE 0 0 125971 iShares MBS ETF MBS ETF 464288588 840012 8847 SH SOLE 0 0 840012 McDonald's Corp COM 580135101 303543 977 SH SOLE 0 0 303543 Meta Platforms Inc Class A CL A 30303M102 652596 1141 SH SOLE 0 0 652596 3M Co COM 88579Y101 202385 1394 SH SOLE 0 0 202385 Microsoft Corp COM 594918104 2427481 6558 SH SOLE 0 0 2427481 Micron Technology Inc COM 595112103 319259 945 SH SOLE 0 0 319259 Netflix Inc COM 64110L106 240183 2498 SH SOLE 0 0 240183 NGL Energy Partners LP COM UNIT REPST 62913M107 800080 64889 SH SOLE 0 0 800080 NVIDIA Corp COM 67066G104 4940108 28326 SH SOLE 0 0 4940108 Novartis AG ADR SPONSORED ADR 66987V109 404654 2649 SH SOLE 0 0 404654 Northwest Bancshares Inc COM 667340103 197044 15528 SH SOLE 0 0 197044 Oracle Corp COM 68389X105 758037 5153 SH SOLE 0 0 758037 Palantir Technologies Inc Ordinary Shares - Class A CL A 69608A108 2018810 13801 SH SOLE 0 0 2018810 Invesco Aerospace & Defense ETF AEROSPACE DEFN 46137V100 1680721 10143 SH SOLE 0 0 1680721 Invesco QQQ Trust UNIT SER 1 46090E103 2295463 3977 SH SOLE 0 0 2295463 Invesco NASDAQ 100 ETF NASDAQ 100 ETF 46138G649 11058786 46540 SH SOLE 0 0 11058786 Defiance Quantum ETF DEFIANCE QUANTUM 26922A420 533790 4975 SH SOLE 0 0 533790 Zacks Quality International ETF QUALITY INTERNAT 98888G881 498715 18498 SH SOLE 0 0 498715 RTX Corp COM 75513E101 982058 5091 SH SOLE 0 0 982058 Royal Bank of Canada COM 780087102 365137 2257 SH SOLE 0 0 365137 Banco Santander SA ADR ADR 05964H105 360125 31926 SH SOLE 0 0 360125 Schwab International Small-Cap Eq ETF(R) INTL SCEQT ETF 808524888 2303940 49293 SH SOLE 0 0 2303940 Schwab Emerging Markets Equity ETF TM EMRG MKTEQ ETF 808524706 211415 6416 SH SOLE 0 0 211415 Schwab US REIT ETFA TM US REIT ETF 808524847 1608806 74863 SH SOLE 0 0 1608806 Schwab US TIPS ETFA TM US TIPS ETF 808524870 264265 9931 SH SOLE 0 0 264265 Global X Defense Tech ETF DEFENSE TECH ETF 37960A529 1952932 27568 SH SOLE 0 0 1952932 State Street(R) SPDR(R) S&P 600(TM) Sm CpValETF S&P 600 SMCP VAL 78464A300 845367 8938 SH SOLE 0 0 845367 VanEck Semiconductor ETF SEMICONDUCTR ETF 92189F676 1664303 4341 SH SOLE 0 0 1664303 Zacks Small/Mid Cap ETF SMALL/MID CAP 98888G204 485334 13092 SH SOLE 0 0 485334 Snap-on Inc COM 833034101 634503 1747 SH SOLE 0 0 634503 State Street SPDR Port ItmtTermCorpBdETF PORTFOLIO INTRMD 78464A375 347536 10362 SH SOLE 0 0 347536 State Street(R) SPDR(R) S&P 500(R) ETF TR UNIT 78462F103 1279542 1967 SH SOLE 0 0 1279542 AT&T Inc COM 00206R102 385156 13286 SH SOLE 0 0 385156 The Toronto-Dominion Bank COM NEW 891160509 352150 3774 SH SOLE 0 0 352150 Tesla Inc COM 88160R101 2250620 6054 SH SOLE 0 0 2250620 iShares Broad USD High Yield Corp Bd ETF BROAD USD HIGH 46435U853 345294 9373 SH SOLE 0 0 345294 Visa Inc Class A COM CL A 92826C839 298362 987 SH SOLE 0 0 298362 Vanguard Small-Cap ETF SMALL CP ETF 922908751 303242 1158 SH SOLE 0 0 303242 Vanguard Interm-Term Corp Bd ETF INT-TERM CORP 92206C870 691165 8352 SH SOLE 0 0 691165 Vanguard Short-Term Corporate Bond ETF SHRT TRM CORP BD 92206C409 372809 4703 SH SOLE 0 0 372809 Vanguard Intmdt-Term Trs ETF INTER TERM TREAS 92206C706 669497 11243 SH SOLE 0 0 669497 Vanguard Short-Term Treasury ETF SHORT TERM TREAS 92206C102 344379 5883 SH SOLE 0 0 344379 Vanguard Mortgage-Backed Secs ETF MTG-BKD SECS ETF 92206C771 222446 4738 SH SOLE 0 0 222446 Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 1151979 1928 SH SOLE 0 0 1151979 Vanguard Tax-Exempt Bond ETF TAX EXEMPT BD 922907746 1013565 20316 SH SOLE 0 0 1013565 Vanguard FTSE Emerging Markets ETF FTSE EMR MKT ETF 922042858 2664123 49290 SH SOLE 0 0 2664123 Vanguard Emerging Mkts Govt Bd ETF EM MK GOV BD ETF 921946885 239177 3641 SH SOLE 0 0 239177 Verizon Communications Inc COM 92343V104 213559 4254 SH SOLE 0 0 213559 Warner Bros. Discovery Inc Ordinary Shares - Class A COM SER A 934423104 221932 8082 SH SOLE 0 0 221932 Welltower Inc COM 95040Q104 215362 1089 SH SOLE 0 0 215362 Walmart Inc COM 931142103 1021495 8219 SH SOLE 0 0 1021495 State Street(R) SPDR(R) S&P(R) Biotech ETF S&P BIOTECH 78464A870 244897 1917 SH SOLE 0 0 244897 Exxon Mobil Corp COM 30231G102 1729297 10193 SH SOLE 0 0 1729297 ERShares Private-Public Crossover ETF ERSHARES PRIVATE 293828877 561103 33221 SH SOLE 0 0 561103 Block Inc Class A CL A 852234103 365834 6079 SH SOLE 0 0 365834 Zacks Earnings Consistent ETF EARNGS CONSTANT 98888G105 1229448 36342 SH SOLE 0 0 1229448