<SEC-DOCUMENT>0001775530-24-000003.txt : 20240724 <SEC-HEADER>0001775530-24-000003.hdr.sgml : 20240724 <ACCEPTANCE-DATETIME>20240724151831 ACCESSION NUMBER: 0001775530-24-000003 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240630 FILED AS OF DATE: 20240724 DATE AS OF CHANGE: 20240724 EFFECTIVENESS DATE: 20240724 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Oldfather Financial Services, LLC CENTRAL INDEX KEY: 0001775530 ORGANIZATION NAME: IRS NUMBER: 465731535 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-19711 FILM NUMBER: 241137845 BUSINESS ADDRESS: STREET 1: P.O. BOX 1775 STREET 2: 2033 CENTRAL AVENUE CITY: KEARNEY STATE: NE ZIP: 68848 BUSINESS PHONE: 308 2374571 MAIL ADDRESS: STREET 1: P.O. BOX 1775 STREET 2: 2033 CENTRAL AVENUE CITY: KEARNEY STATE: NE ZIP: 68848 </SEC-HEADER> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:com="http://www.sec.gov/edgar/common"> <schemaVersion>X0202</schemaVersion> <headerData> <submissionType>13F-HR</submissionType> <filerInfo> <liveTestFlag>LIVE</liveTestFlag> <flags> <confirmingCopyFlag>false</confirmingCopyFlag> <returnCopyFlag>false</returnCopyFlag> <overrideInternetFlag>false</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001775530</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>06-30-2024</periodOfReport> </filerInfo> </headerData> <formData> <coverPage> <reportCalendarOrQuarter>06-30-2024</reportCalendarOrQuarter> <filingManager> <name>Oldfather Financial Services, LLC</name> <address> <com:street1>P.O. 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<shrsOrPrnAmt> <sshPrnamt>2478</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2478</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MICROSOFT CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>594918104</cusip> <value>1105291</value> <shrsOrPrnAmt> <sshPrnamt>2473</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2473</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ORACLE CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>68389X105</cusip> <value>213636</value> <shrsOrPrnAmt> <sshPrnamt>1513</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1513</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PEPSICO INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>713448108</cusip> <value>417455</value> <shrsOrPrnAmt> <sshPrnamt>2531</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2531</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>693475105</cusip> <value>279864</value> <shrsOrPrnAmt> <sshPrnamt>1800</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1800</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>74251V102</cusip> <value>267844</value> <shrsOrPrnAmt> <sshPrnamt>3414</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3414</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>742718109</cusip> <value>251780</value> <shrsOrPrnAmt> <sshPrnamt>1527</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1527</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>INTL EQTY ETF</titleOfClass> <cusip>808524805</cusip> <value>533811</value> <shrsOrPrnAmt> <sshPrnamt>13894</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13894</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US LRG CAP ETF</titleOfClass> <cusip>808524201</cusip> <value>1468563</value> <shrsOrPrnAmt> <sshPrnamt>22857</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>22857</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US SML CAP ETF</titleOfClass> <cusip>808524607</cusip> <value>1071265</value> <shrsOrPrnAmt> <sshPrnamt>22577</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>22577</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US LCAP GR ETF</titleOfClass> <cusip>808524300</cusip> <value>290796</value> <shrsOrPrnAmt> <sshPrnamt>2884</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2884</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>EMRG MKTEQ ETF</titleOfClass> <cusip>808524706</cusip> <value>318881</value> <shrsOrPrnAmt> <sshPrnamt>12006</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>12006</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US MID-CAP ETF</titleOfClass> <cusip>808524508</cusip> <value>1359598</value> <shrsOrPrnAmt> <sshPrnamt>17469</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17469</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US AGGREGATE B</titleOfClass> <cusip>808524839</cusip> <value>1582043</value> <shrsOrPrnAmt> <sshPrnamt>34709</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>34709</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US DIVIDEND EQ</titleOfClass> <cusip>808524797</cusip> <value>352679</value> <shrsOrPrnAmt> <sshPrnamt>4535</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4535</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>TECHNOLOGY</titleOfClass> <cusip>81369Y803</cusip> <value>562634</value> <shrsOrPrnAmt> <sshPrnamt>2487</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2487</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P 500 ETF TR</nameOfIssuer> <titleOfClass>TR UNIT</titleOfClass> <cusip>78462F103</cusip> <value>14313058</value> <shrsOrPrnAmt> <sshPrnamt>26300</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>26300</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P MIDCAP 400 ETF TR</nameOfIssuer> <titleOfClass>UTSER1 S&PDCRP</titleOfClass> <cusip>78467Y107</cusip> <value>27838958</value> <shrsOrPrnAmt> <sshPrnamt>52028</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>52028</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass> <cusip>78468R663</cusip> <value>203293</value> <shrsOrPrnAmt> <sshPrnamt>2215</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2215</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P DIVID ETF</titleOfClass> <cusip>78464A763</cusip> <value>233757</value> <shrsOrPrnAmt> <sshPrnamt>1838</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1838</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNION PAC CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>907818108</cusip> <value>999900</value> <shrsOrPrnAmt> <sshPrnamt>4419</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4419</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>91324P102</cusip> <value>311667</value> <shrsOrPrnAmt> <sshPrnamt>612</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>612</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>US BANCORP DEL</nameOfIssuer> <titleOfClass>COM NEW</titleOfClass> <cusip>902973304</cusip> <value>595500</value> <shrsOrPrnAmt> <sshPrnamt>15000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>15000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer> <titleOfClass>TOTAL BND MRKT</titleOfClass> <cusip>921937835</cusip> <value>705586</value> <shrsOrPrnAmt> <sshPrnamt>9793</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>9793</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>SML CP GRW ETF</titleOfClass> <cusip>922908595</cusip> <value>288400</value> <shrsOrPrnAmt> <sshPrnamt>1153</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1153</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>MID CAP ETF</titleOfClass> <cusip>922908629</cusip> <value>754626</value> <shrsOrPrnAmt> <sshPrnamt>3117</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3117</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>SM CP VAL ETF</titleOfClass> <cusip>922908611</cusip> <value>382562</value> <shrsOrPrnAmt> <sshPrnamt>2096</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2096</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>SMALL CP ETF</titleOfClass> <cusip>922908751</cusip> <value>6850037</value> <shrsOrPrnAmt> <sshPrnamt>31416</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>31416</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>S&P 500 ETF SHS</titleOfClass> <cusip>922908363</cusip> <value>62197050</value> <shrsOrPrnAmt> <sshPrnamt>124362</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>124362</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>TOTAL STK MKT</titleOfClass> <cusip>922908769</cusip> <value>1446015</value> <shrsOrPrnAmt> <sshPrnamt>5405</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5405</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE EMR MKT ETF</titleOfClass> <cusip>922042858</cusip> <value>264048</value> <shrsOrPrnAmt> <sshPrnamt>6034</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6034</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer> <titleOfClass>DIV APP ETF</titleOfClass> <cusip>921908844</cusip> <value>255570</value> <shrsOrPrnAmt> <sshPrnamt>1400</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1400</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>92343V104</cusip> <value>444361</value> <shrsOrPrnAmt> <sshPrnamt>10775</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10775</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VISA INC</nameOfIssuer> <titleOfClass>COM CL A</titleOfClass> <cusip>92826C839</cusip> <value>214700</value> <shrsOrPrnAmt> <sshPrnamt>818</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>818</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>949746101</cusip> <value>3833908</value> <shrsOrPrnAmt> <sshPrnamt>64555</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>64555</None> </votingAuthority> </infoTable> </informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>