Sensible Money, LLC — Q3 2025 13F Holdings

Name: Sensible Money, LLC — 13F Holdings, Q3 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0001965229

Total reported value

$328.7M

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	DFAC	Dimensional US Core Equity 2	ETF-Other	25.89%	+0.46%	+4.56%
2	DFAT	Dimensional US Target Value	ETF-Other	19.10%	+0.89%	+6.91%
3	DFAX	Dimensional World Ex US Core	ETF-Other	8.58%	-0.45%	-2.49%
4	DFEM	Dimensional Emrg Mrkt Core	ETF-Other	7.72%	+0.26%	+6.27%
5	DFEV	Dimensional Emrg Mrkt Val	ETF-Other	7.71%	+0.38%	+3.33%
6	DFIC	Dimensional International Co	ETF-Other	6.27%	+0.67%	+14.65%
7	DISV	Dimensional International Sm	ETF-Other	3.95%	-0.10%	-1.77%
8	AAPL	Apple INC	Stock-Tech	2.66%	-1.45%	-1.39%
9	SCHA	Schwab US Small-cap ETF	ETF-Other	1.11%	-0.03%	-1.33%
10	FNDE	Schwab Fndmntl Em Mrk Eq ETF	ETF-Other	1.09%	-0.03%	-0.82%
11	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	0.72%	-0.12%	—
12	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	0.70%	-0.20%	-1.53%
13	DFUS	Dimensional US Eq Mkt ETF	ETF-Other	0.67%	—	+6.66%
14	SLYV	Ss Spdr S&p 600 Sc Val ETF	ETF-Other	0.62%	-0.01%	-0.09%
15	FCX	Freeport-mcmoran INC	Stock-Materials	0.55%	+0.07%	-10.72%
16	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	0.49%	+0.01%	-0.42%
17	IWV	Ishares Russell 3000 ETF	ETF-Other	0.48%	-0.04%	—
18	MSFT	Microsoft CORP	Stock-Tech	0.46%	-0.11%	-3.41%
19	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	0.44%	+0.08%	+0.16%
20	VEA	Vanguard Ftse Developed ETF	ETF-Other	0.42%	+0.06%	—
21	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.42%	-0.08%	+0.02%
22	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	0.41%	-0.03%	—
23	QTEC	First Trust Nasdq 100 Tech I	ETF-Tech	0.33%	-0.03%	—
24	AVES	Avantis Emerging Markets Val	ETF-Emerging Markets	0.32%	—	—
25	IJR	Ishares Core S&p Small-cap E	ETF-Small Cap	0.29%	—	-0.33%
26	USMV	Ishares Msci USA Min Vol Fac	ETF-Other	0.29%	—	—
27	GOOG	Alphabet Inc-cl C	Stock-Comm Services	0.27%	-0.04%	—
28	EZM	Wisdomtree US Midcap Fund	ETF-Other	0.27%	—	—
29	AMZN	Amazon.com INC	Stock-Consumer Disc	0.26%	-0.03%	-0.65%
30	SPLV	Invesco S&p 500 Low Volatili	ETF-Large Cap & Growth	0.26%	—	—
31	AVEM	Avantis Emerging Markets Eq	ETF-Emerging Markets	0.26%	—	-0.11%
32	NVDA	Nvidia CORP	Stock-Tech	0.25%	-0.04%	-7.18%
33	JPM	Jpmorgan Chase & Co	Stock-Financials	0.24%	-0.03%	—
34	FNDC	Schwab Fndmnt Intl Sm Eq ETF	ETF-Other	0.23%	—	-0.41%
35	RSPH	Invesco S&p 500 Equal Weight	ETF-Large Cap & Growth	0.22%	-0.02%	—
36	IYW	Ishares Ustechnology ETF	ETF-Tech	0.21%	-0.02%	—
37	BSCP	Invesco Bulletshares 2025 Cb	ETF-Other	0.19%	—	-0.14%
38	BSCS	Invesco Bulletshares 2028 Cb	ETF-Other	0.19%	—	+1.12%
39	PKW	Invesco Buyback Achievers Et	ETF-Other	0.18%	—	—
40	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	0.17%	—	-0.58%
41	PDN	Inv Rafi Dev Mkt US Sm-usdin	ETF-Other	0.17%	—	+0.21%
42	FDN	First Trust Dj Internet Ind	ETF-Other	0.17%	-0.02%	—
43	MDYV	Ss Spdr S&p 400 Mc Val ETF	ETF-Other	0.16%	-0.03%	—
44	DFLV	Dim US Large Cap Value ETF	ETF-Large Cap & Growth	0.16%	—	+0.40%
45	QQQ	Invesco Qqq Trust Series 1	ETF-Tech	0.16%	-0.01%	+1.68%
46	BSCR	Invesco Bulletshares 2027 Cb	ETF-Other	0.16%	—	+1.96%
47	BSCQ	Invesco Bulletshares 2026 Cb	ETF-Other	0.16%	—	-0.13%
48	ACWV	Ishares Msci Global Min Vol	ETF-Other	0.15%	—	—
49	QUAL	Ishares Msci USA Quality Fac	ETF-Other	0.15%	—	—
50	IJJ	Ishares S&p Mid-cap 400 Valu	ETF-Other	0.15%	—	—

1–50 of 88

Holding changes this quarter

Position changes disclosed by Sensible Money, LLC for the quarter ending Q3 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFIC	Dimensional International Co	+1.2%	+14.65%	Add
2	DFEM	Dimensional Emrg Mrkt Core	+0.5%	+6.27%	Add
3	DFAC	Dimensional US Core Equity 2	+0.4%	+4.56%	Add
4	DFAT	Dimensional US Target Value	+0.4%	+6.91%	Add
5	DFEV	Dimensional Emrg Mrkt Val	+0.3%	+3.33%	Add
6	VTI	Vanguard Total Stock Mkt ETF	+0.2%	—	Add
7	GOOGL	Alphabet Inc-cl A	+0.1%	+0.02%	Add
8	NVDA	Nvidia CORP	+0.1%	-7.18%	Trim
9	GOOG	Alphabet Inc-cl C	+0.1%	—	Unchanged
10	DFUS	Dimensional US Eq Mkt ETF	0%	+6.66%	Add
11	MSFT	Microsoft CORP	0%	-3.41%	Trim
12	IYW	Ishares Ustechnology ETF	0%	—	Unchanged
13	QTEC	First Trust Nasdq 100 Tech I	0%	—	Unchanged
14	JPM	Jpmorgan Chase & Co	—	—	Unchanged
15	AVEM	Avantis Emerging Markets Eq	—	-0.11%	Trim
16	FDN	First Trust Dj Internet Ind	—	—	Trim
17	AVES	Avantis Emerging Markets Val	0%	—	Add
18	PDN	Inv Rafi Dev Mkt US Sm-usdin	0%	+0.21%	Add
19	PKW	Invesco Buyback Achievers Et	0%	—	Unchanged
20	SPDW	Ste Str Spdr Pt Dw EU ETF	0%	—	Add
21	IEMG	Ishares Core Msci Emerging	0%	-0.42%	Trim
22	IVV	Ishares Core S&p 500 ETF	0%	+0.16%	Add
23	IEFA	Ishares Core Msci Eafe ETF	0%	-0.58%	Trim
24	IWV	Ishares Russell 3000 ETF	0%	—	Unchanged
25	VEA	Vanguard Ftse Developed ETF	0%	—	Unchanged
26	AMZN	Amazon.com INC	0%	-0.65%	Trim
27	IJR	Ishares Core S&p Small-cap E	0%	-0.33%	Trim
28	SPY	Ss Spdr S&p 500 ETF Trust-us	-0.1%	-1.53%	Trim
29	SLYV	Ss Spdr S&p 600 Sc Val ETF	-0.1%	-0.09%	Trim
30	SCHA	Schwab US Small-cap ETF	-0.1%	-1.33%	Trim
31	QQQ	Invesco Qqq Trust Series 1	-0.1%	+1.68%	Trim
32	FNDE	Schwab Fndmntl Em Mrk Eq ETF	-0.1%	-0.82%	Trim
33	DISV	Dimensional International Sm	-0.2%	-1.77%	Trim
34	VOO	Vanguard S&p 500 ETF	-0.2%	—	Trim
35	FCX	Freeport-mcmoran INC	-0.4%	-10.72%	Trim
36	AAPL	Apple INC	-0.4%	-1.39%	Trim
37	DFAX	Dimensional World Ex US Core	-0.8%	-2.49%	Trim
38	DGRW	Wisdomtree U.s. Quality Divi	—	EXIT	Sold out
39	META	Meta Platforms Inc-class A	—	NEW	New buy
40	AVUV	Avantis US Small Cap Value	—	NEW	New buy
41	AOR	Ishares Core 60/40 Balanced	—	EXIT	Sold out
42	SCHC	Schwab Intl Small-cap Equity	—	NEW	New buy
43	VTV	Vanguard Value ETF	—	EXIT	Sold out
44	NSC	Norfolk Southern CORP	—	NEW	New buy
45	PANW	Palo Alto Networks INC	—	NEW	New buy
46	VWO	Vanguard Ftse Emerging Marke	—	NEW	New buy
47	SCHB	Schwab US Broad Market ETF	—	NEW	New buy
48	FTAI	FTAI Aviation Ltd.	—	NEW	New buy
49	EFAV	Ishares Msci Eafe Min Vol Fa	—	NEW	New buy
50	ETW	Eaton Vance T/m Glbl Buy-wr	—	EXIT	Sold out