The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE

OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8

Report for the Calendar Year or Quarter Ended: 06-30-2022
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: Sterneck Capital Management, LLC
Address: 4510 BELLEVIEW AVE, SUITE 204
KANSAS CITY , MO66209
Form 13F File Number: 028-13362

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: Frank Sterneck
Title: Chief Investment Officer
Phone: 816-531-2254
Signature, Place, and Date of Signing:
Frank Sterneck Kanas City , MO 08-10-2022
[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 reported are 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: 92
Form 13F Information Table Value Total: 149,261
(thousands)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name

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. Form 13F File Number Name


SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8

COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AIR PRODS & CHEMS INC COM 009158106 385 1,600 SH SOLE 0 0 0 1,600
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 2,059 18,115 SH SOLE 0 0 0 18,115
ALPHABET INC CAP STK CL C 02079K107 2,494 1,140 SH SOLE 0 0 0 1,140
ALPHABET INC CAP STK CL A 02079K305 2,156 989 SH SOLE 0 0 0 989
AMAZON COM INC COM 023135106 3,548 33,405 SH SOLE 0 0 0 33,405
AMERICAN CENTY ETF TR US SML CP VALU 025072877 2,216 32,411 SH SOLE 0 0 0 32,411
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 2,151 42,210 SH SOLE 0 0 0 42,210
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,377 45,684 SH SOLE 0 0 0 45,684
APPLE INC COM 037833100 14,971 109,501 SH SOLE 0 0 0 109,501
ARMADA HOFFLER PPTYS INC COM 04208T108 265 20,628 SH SOLE 0 0 0 20,628
AUTOZONE INC COM 053332102 1,289 600 SH SOLE 0 0 0 600
BERKSHIRE HATHAWAY INC DEL CL A 084670108 818 2 SH SOLE 0 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,739 6,368 SH SOLE 0 0 0 6,368
BK OF AMERICA CORP COM 060505104 250 8,023 SH SOLE 0 0 0 8,023
BLACKROCK INNOVATION AND GRW SHS BEN INT 09260Q108 125 15,701 SH SOLE 0 0 0 15,701
BLACKSTONE INC COM 09260D107 317 3,475 SH SOLE 0 0 0 3,475
BOEING CO COM 097023105 368 2,688 SH SOLE 0 0 0 2,688
BRISTOL-MYERS SQUIBB CO COM 110122108 405 5,257 SH SOLE 0 0 0 5,257
CARLYLE GROUP INC COM 14316J108 412 13,020 SH SOLE 0 0 0 13,020
CHEVRON CORP NEW COM 166764100 823 5,681 SH SOLE 0 0 0 5,681
CHURCH & DWIGHT CO INC COM 171340102 917 9,900 SH SOLE 0 0 0 9,900
CISCO SYS INC COM 17275R102 360 8,440 SH SOLE 0 0 0 8,440
CITIGROUP INC COM NEW 172967424 969 21,060 SH SOLE 0 0 0 21,060
COCA COLA CO COM 191216100 409 6,500 SH SOLE 0 0 0 6,500
CVS HEALTH CORP COM 126650100 464 5,004 SH SOLE 0 0 0 5,004
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 387 18,056 SH SOLE 0 0 0 18,056
DISNEY WALT CO COM 254687106 2,076 21,994 SH SOLE 0 0 0 21,994
EA SERIES TRUST VAL MOMTM TRND 02072L508 7,037 295,070 SH SOLE 0 0 0 295,070
ENBRIDGE INC COM 29250N105 426 10,071 SH SOLE 0 0 0 10,071
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 152 15,210 SH SOLE 0 0 0 15,210
ENTERPRISE PRODS PARTNERS L COM 293792107 219 9,000 SH SOLE 0 0 0 9,000
FEDEX CORP COM 31428X106 767 3,384 SH SOLE 0 0 0 3,384
FIRST TR ENERGY INFRASTRCTR COM 33738C103 290 20,269 SH SOLE 0 0 0 20,269
FIRST TR INTER DURATN PFD & COM 33718W103 3,045 163,006 SH SOLE 0 0 0 163,006
GENERAL MTRS CO COM 37045V100 1,411 44,416 SH SOLE 0 0 0 44,416
GEO GROUP INC NEW COM 36162J106 179 27,113 SH SOLE 0 0 0 27,113
GILEAD SCIENCES INC COM 375558103 281 4,544 SH SOLE 0 0 0 4,544
GREAT AJAX CORP 7.25 CV SR NT 24 38983D409 1,541 62,850 SH SOLE 0 0 0 62,850
HERTZ GLOBAL HLDGS INC COM NEW 42806J700 1,057 66,756 SH SOLE 0 0 0 66,756
HERTZ GLOBAL HLDGS INC *W EXP 06/30/205 42806J148 689 70,391 SH SOLE 0 0 0 70,391
ILLINOIS TOOL WKS INC COM 452308109 228 1,250 SH SOLE 0 0 0 1,250
INSEEGO CORP COM 45782B104 31 16,440 SH SOLE 0 0 0 16,440
INTEL CORP COM 458140100 433 11,587 SH SOLE 0 0 0 11,587
INTERNATIONAL BUSINESS MACHS COM 459200101 2,442 17,297 SH SOLE 0 0 0 17,297
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 14,810 110,334 SH SOLE 0 0 0 110,334
ISHARES TR CORE S&P500 ETF 464287200 208 548 SH SOLE 0 0 0 548
ISHARES TR RUSSELL 3000 ETF 464287689 261 1,201 SH SOLE 0 0 0 1,201
ISHARES TR U S EQUITY FACTR 46434V282 4,725 124,662 SH SOLE 0 0 0 124,662
ISHARES TR U.S. FIXED INCME 46435U796 806 9,392 SH SOLE 0 0 0 9,392
ISTAR INC COM 45031U101 2,155 157,154 SH SOLE 0 0 0 157,154
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407 6,687 73,069 SH SOLE 0 0 0 73,069
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209 4,986 102,142 SH SOLE 0 0 0 102,142
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 254 5,062 SH SOLE 0 0 0 5,062
JPMORGAN CHASE & CO COM 46625H100 723 6,424 SH SOLE 0 0 0 6,424
KRANESHARES TR CSI CHI INTERNET 500767306 4,286 130,817 SH SOLE 0 0 0 130,817
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 424 43,395 SH SOLE 0 0 0 43,395
LIBERTY LATIN AMERICA LTD COM CL C G9001E128 251 32,237 SH SOLE 0 0 0 32,237
LIMELIGHT NETWORKS INC COM 53261M104 23 10,000 SH SOLE 0 0 0 10,000
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720 2,211 91,172 SH SOLE 0 0 0 91,172
META PLATFORMS INC CL A 30303M102 1,606 9,962 SH SOLE 0 0 0 9,962
MICROSOFT CORP COM 594918104 2,258 8,792 SH SOLE 0 0 0 8,792
NUVEEN AMT FREE MUN CR INC F COM 67071L106 1,147 87,471 SH SOLE 0 0 0 87,471
NUVEEN QUALITY MUNCP INCOME COM 67066V101 646 51,800 SH SOLE 0 0 0 51,800
NUVEEN REAL ASSET INCOME & G COM 67074Y105 964 73,732 SH SOLE 0 0 0 73,732
OLIN CORP COM PAR $1 680665205 254 5,482 SH SOLE 0 0 0 5,482
PENNANTPARK INVT CORP COM 708062104 451 72,973 SH SOLE 0 0 0 72,973
PFIZER INC COM 717081103 687 13,104 SH SOLE 0 0 0 13,104
PIONEER DIVERSIFIED HIGH INC COM 723653101 713 65,781 SH SOLE 0 0 0 65,781
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 565 148,631 SH SOLE 0 0 0 148,631
QUALCOMM INC COM 747525103 1,988 15,565 SH SOLE 0 0 0 15,565
SELECT SECTOR SPDR TR ENERGY 81369Y506 341 4,765 SH SOLE 0 0 0 4,765
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 560 17,803 SH SOLE 0 0 0 17,803
SOUTHWEST AIRLS CO COM 844741108 236 6,527 SH SOLE 0 0 0 6,527
SPDR GOLD TR GOLD SHS 78463V107 227 1,350 SH SOLE 0 0 0 1,350
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,302 210,011 SH SOLE 0 0 0 210,011
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,241 8,592 SH SOLE 0 0 0 8,592
SPDR SER TR PORTFOLI S&P1500 78464A805 3,978 85,587 SH SOLE 0 0 0 85,587
SPROTT PHYSICAL GOLD TR UNIT 85207H104 3,176 223,947 SH SOLE 0 0 0 223,947
THERMO FISHER SCIENTIFIC INC COM 883556102 1,738 3,200 SH SOLE 0 0 0 3,200
TRAVELERS COMPANIES INC COM 89417E109 677 4,000 SH SOLE 0 0 0 4,000
UNITED PARCEL SERVICE INC CL B 911312106 2,254 12,345 SH SOLE 0 0 0 12,345
VANGUARD INDEX FDS LARGE CAP ETF 922908637 245 1,424 SH SOLE 0 0 0 1,424
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 344 2,396 SH SOLE 0 0 0 2,396
VERIZON COMMUNICATIONS INC COM 92343V104 2,301 45,339 SH SOLE 0 0 0 45,339
VINTAGE WINE ESTATES INC COM 92747V106 120 15,305 SH SOLE 0 0 0 15,305
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 455 29,227 SH SOLE 0 0 0 29,227
WALMART INC COM 931142103 633 5,205 SH SOLE 0 0 0 5,205
WARNER BROS DISCOVERY INC COM SER A 934423104 184 13,740 SH SOLE 0 0 0 13,740
WELLS FARGO CO NEW COM 949746101 1,294 33,043 SH SOLE 0 0 0 33,043
WILLIAMS COS INC COM 969457100 500 16,032 SH SOLE 0 0 0 16,032
YATRA ONLINE INC ORD SHS G98338109 130 57,736 SH SOLE 0 0 0 57,736
ZOETIS INC CL A 98978V103 258 1,500 SH SOLE 0 0 0 1,500