Sensible Money, LLC — Q4 2025 13F Holdings

Name: Sensible Money, LLC — 13F Holdings, Q4 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	25.67%	+0.46%	+2.82%
2	DFAT	Dimensional US Target Value	ETF-Other	19.41%	+0.89%	+5.73%
3	DFAX	Dimensional World Ex US Core	ETF-Other	8.03%	-0.45%	-4.48%
4	DFEV	Dimensional Emrg Mrkt Val	ETF-Other	7.88%	+0.38%	+2.72%
5	DFEM	Dimensional Emrg Mrkt Core	ETF-Other	7.65%	+0.26%	+2.24%
6	DFIC	Dimensional International Co	ETF-Other	7.16%	+0.67%	+15.69%
7	DISV	Dimensional International Sm	ETF-Other	3.85%	-0.10%	-2.67%
8	AAPL	Apple INC	Stock-Tech	2.63%	-1.45%	-1.39%
9	SCHA	Schwab US Small-cap ETF	ETF-Other	1.16%	-0.03%	+8.85%
10	FNDE	Schwab Fndmntl Em Mrk Eq ETF	ETF-Other	1.02%	-0.03%	-0.48%
11	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	0.76%	-0.20%	+12.29%
12	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	0.75%	-0.12%	+7.69%
13	DFUS	Dimensional US Eq Mkt ETF	ETF-Other	0.64%	—	-0.98%
14	FCX	Freeport-mcmoran INC	Stock-Materials	0.61%	+0.07%	-9.01%
15	SLYV	Ss Spdr S&p 600 Sc Val ETF	ETF-Other	0.58%	-0.01%	-2.32%
16	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.50%	-0.08%	-2.07%
17	IEMG	Ishares Core Msci Emerging	ETF-Emerging Markets	0.47%	+0.01%	-0.32%
18	IWV	Ishares Russell 3000 ETF	ETF-Other	0.46%	-0.04%	—
19	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	0.42%	+0.08%	+0.21%
20	VEA	Vanguard Ftse Developed ETF	ETF-Other	0.42%	+0.06%	—
21	MSFT	Microsoft CORP	Stock-Tech	0.40%	-0.11%	-1.95%
22	VOO	Vanguard S&p 500 ETF	ETF-Large Cap & Growth	0.39%	-0.03%	-0.05%
23	GOOG	Alphabet Inc-cl C	Stock-Comm Services	0.32%	-0.04%	—
24	QTEC	First Trust Nasdq 100 Tech I	ETF-Tech	0.31%	-0.03%	—
25	AVES	Avantis Emerging Markets Val	ETF-Emerging Markets	0.30%	—	+0.03%
26	IJR	Ishares Core S&p Small-cap E	ETF-Small Cap	0.28%	—	+0.01%
27	BSCS	Invesco Bulletshares 2028 Cb	ETF-Other	0.28%	—	+58.59%
28	USMV	Ishares Msci USA Min Vol Fac	ETF-Other	0.26%	—	-1.82%
29	AMZN	Amazon.com INC	Stock-Consumer Disc	0.26%	-0.03%	—
30	EZM	Wisdomtree US Midcap Fund	ETF-Other	0.25%	—	—
31	NVDA	Nvidia CORP	Stock-Tech	0.25%	-0.04%	+6.53%
32	AVEM	Avantis Emerging Markets Eq	ETF-Emerging Markets	0.25%	—	-0.07%
33	SPLV	Invesco S&p 500 Low Volatili	ETF-Large Cap & Growth	0.24%	—	—
34	JPM	Jpmorgan Chase & Co	Stock-Financials	0.23%	-0.03%	+0.40%
35	RSPH	Invesco S&p 500 Equal Weight	ETF-Large Cap & Growth	0.22%	-0.02%	—
36	FNDC	Schwab Fndmnt Intl Sm Eq ETF	ETF-Other	0.21%	—	-0.68%
37	IYW	Ishares Ustechnology ETF	ETF-Tech	0.20%	-0.02%	—
38	PKW	Invesco Buyback Achievers Et	ETF-Other	0.17%	—	—
39	BSCR	Invesco Bulletshares 2027 Cb	ETF-Other	0.17%	—	+14.40%
40	PDN	Inv Rafi Dev Mkt US Sm-usdin	ETF-Other	0.17%	—	+0.37%
41	IEFA	Ishares Core Msci Eafe ETF	ETF-Other	0.16%	—	-2.97%
42	DFLV	Dim US Large Cap Value ETF	ETF-Large Cap & Growth	0.16%	—	+0.35%
43	BSCQ	Invesco Bulletshares 2026 Cb	ETF-Other	0.15%	—	+5.14%
44	VB	Vanguard Small-cap ETF	ETF-Other	0.15%	-0.06%	+60.40%
45	FDN	First Trust Dj Internet Ind	ETF-Other	0.15%	-0.02%	—
46	QQQ	Invesco Qqq Trust Series 1	ETF-Tech	0.15%	-0.01%	-1.78%
47	BSCU	Invesco Bulletshares 2030 Cb	ETF-Other	0.14%	+0.02%	+36.35%
48	QUAL	Ishares Msci USA Quality Fac	ETF-Other	0.14%	—	-0.53%
49	BSCT	Invesco Bulletshares 2029 Cb	ETF-Other	0.14%	—	+54.44%
50	SPDW	Ste Str Spdr Pt Dw EU ETF	ETF-Other	0.14%	—	+1.77%

1–50 of 86

Holding changes this quarter

Position changes disclosed by Sensible Money, LLC for the quarter ending Q4 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	DFIC	Dimensional International Co	+0.9%	+15.69%	Add
2	DFAT	Dimensional US Target Value	+0.3%	+5.73%	Add
3	DFEV	Dimensional Emrg Mrkt Val	+0.2%	+2.72%	Add
4	BSCS	Invesco Bulletshares 2028 Cb	+0.1%	+58.59%	Add
5	GOOGL	Alphabet Inc-cl A	+0.1%	-2.07%	Trim
6	SPY	Ss Spdr S&p 500 ETF Trust-us	+0.1%	+12.29%	Add
7	FCX	Freeport-mcmoran INC	+0.1%	-9.01%	Trim
8	SCHD	Schwab US Dvd Equity ETF	+0.1%	+84.73%	Add
9	SCHA	Schwab US Small-cap ETF	+0.1%	+8.85%	Add
10	GOOG	Alphabet Inc-cl C	+0.1%	—	Unchanged
11	VB	Vanguard Small-cap ETF	+0.1%	+60.40%	Add
12	BSCT	Invesco Bulletshares 2029 Cb	0%	+54.44%	Add
13	VTI	Vanguard Total Stock Mkt ETF	0%	+7.69%	Add
14	BSCU	Invesco Bulletshares 2030 Cb	0%	+36.35%	Add
15	BSCR	Invesco Bulletshares 2027 Cb	0%	+14.40%	Add
16	FTAI	FTAI Aviation Ltd.	0%	—	Unchanged
17	RSPH	Invesco S&p 500 Equal Weight	—	—	Unchanged
18	VEA	Vanguard Ftse Developed ETF	—	—	Unchanged
19	NVDA	Nvidia CORP	—	+6.53%	Add
20	AMZN	Amazon.com INC	—	—	Unchanged
21	SPDW	Ste Str Spdr Pt Dw EU ETF	—	+1.77%	Add
22	VUG	Vanguard Growth ETF	0%	-11.64%	Trim
23	BSCQ	Invesco Bulletshares 2026 Cb	0%	+5.14%	Add
24	PRK	Park National CORP	0%	+0.18%	Add
25	COST	Costco Wholesale CORP	0%	-5.83%	Trim
26	IVV	Ishares Core S&p 500 ETF	0%	+0.21%	Add
27	IWV	Ishares Russell 3000 ETF	0%	—	Unchanged
28	VOO	Vanguard S&p 500 ETF	0%	-0.05%	Trim
29	IEMG	Ishares Core Msci Emerging	0%	-0.32%	Trim
30	SPLV	Invesco S&p 500 Low Volatili	0%	—	Unchanged
31	AAPL	Apple INC	0%	-1.39%	Trim
32	MDYV	Ss Spdr S&p 400 Mc Val ETF	0%	-13.50%	Trim
33	DFUS	Dimensional US Eq Mkt ETF	0%	-0.98%	Trim
34	USMV	Ishares Msci USA Min Vol Fac	0%	-1.82%	Trim
35	MSFT	Microsoft CORP	-0.1%	-1.95%	Trim
36	DFEM	Dimensional Emrg Mrkt Core	-0.1%	+2.24%	Add
37	FNDE	Schwab Fndmntl Em Mrk Eq ETF	-0.1%	-0.48%	Trim
38	DISV	Dimensional International Sm	-0.1%	-2.67%	Trim
39	DFAC	Dimensional US Core Equity 2	-0.2%	+2.82%	Add
40	DFAX	Dimensional World Ex US Core	-0.6%	-4.48%	Trim
41	BSCP	Invesco Bulletshares 2025 Cb	—	EXIT	Sold out
42	DVY	Ishares Select Dividend ETF	—	EXIT	Sold out
43	META	Meta Platforms Inc-class A	—	EXIT	Sold out
44	NSC	Norfolk Southern CORP	—	EXIT	Sold out
45	PANW	Palo Alto Networks INC	—	EXIT	Sold out
46	VWO	Vanguard Ftse Emerging Marke	—	EXIT	Sold out
47	IAU	Ishares Gold Trust	—	NEW	New buy
48	VYM	Vanguard High Dvd Yield ETF	—	NEW	New buy
49	DFAW	Dimensional World Eqty ETF	—	NEW	New buy
50	LLY	Eli Lilly & Co	—	NEW	New buy