CIK: 0001858428
Total reported value
$164.6M
Reporting period: 2025-06-30 · Number of holdings: 74
Better Money Decisions, LLC disclosed 74 holdings in its latest 13F filing for the period ending 2025-06-30, with total reported value of $164.6M and a quarterly turnover rate of 0.0%.
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Better Money Decisions, LLC's disclosed holdings carry a Herfindahl concentration index of 0.049 — mathematically equivalent to about 21 equally-sized positions, well below its 74 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.62), with a handful of outsized bets alongside many smaller positions.
No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.
Sector classification currently covers about 9% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
No holding changes this quarter
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | IEFA | Ishares Core Msci Eafe ETF | ETF-Other | 10.17% | — | +2.44% | |
| 2 | IGSB | Ishares 1-5y Inv Grade CORP | ETF-Other | 9.65% | — | +5.29% | |
| 3 | SPTS | Ss Spdr P St Term Tsy ETF | ETF-Other | 8.98% | — | +5.04% | |
| 4 | SPEM | State Street Sp Ptf Em ETF | ETF-Other | 6.84% | — | +4.30% | |
| 5 | DFAT | Dimensional US Target Value | ETF-Other | 6.14% | — | +5.30% | |
| 6 | IJH | Ishares Core S&p Midcap ETF | ETF-Other | 5.31% | — | +3.90% | |
| 7 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 4.24% | — | -6.70% | |
| 8 | FLRN | Ss Spdr Bb Ig Float Rt ETF | ETF-Other | 3.89% | — | +8.46% | |
| 9 | SPAB | Ss Spdr P Agg Bond ETF | ETF-Other | 2.95% | — | +10.18% | |
| 10 | VB | Vanguard Small-cap ETF | ETF-Other | 2.77% | — | +0.74% | |
| 11 | NUDM | Nuveen Esg Intl Devel Mrk Eq | ETF-Other | 2.73% | — | +2.09% | |
| 12 | XVV | Ishares Esg Select Screened | ETF-Other | 2.57% | — | +2.12% | |
| 13 | AAPL | Apple INC | Stock-Tech | 2.50% | — | +0.17% | |
| 14 | VCIT | Vanguard Int-term Corporate | ETF-Corp Bonds | 2.49% | — | -3.49% | |
| 15 | USRT | Ishares Core US Reit ETF | ETF-Other | 1.49% | — | +4.20% | |
| 16 | EAGG | Ishares Esg Aware US Aggrega | ETF-Other | 1.30% | — | +4.01% | |
| 17 | HYG | Ishr Ibx Usd Hiyld Cb Etf-ui | ETF-High Yield | 1.19% | — | +10.90% | |
| 18 | SPYV | Ss Spdr P S&p 500 Value ETF | ETF-Large Cap & Growth | 1.17% | — | +2.98% | |
| 19 | MSFT | Microsoft CORP | Stock-Tech | 1.06% | — | +0.60% | |
| 20 | SUSB | Ishares Esg Aware 1-5 Year U | ETF-Other | 1.06% | — | +2.49% | |
| 21 | NVDA | Nvidia CORP | Stock-Tech | 0.96% | — | +0.70% | |
| 22 | SPDW | Ste Str Spdr Pt Dw EU ETF | ETF-Other | 0.91% | — | +1.97% | |
| 23 | IAGG | Ishares Intl Aggregate Bond | ETF-Other | 0.90% | — | +4.53% | |
| 24 | AMZN | Amazon.com INC | Stock-Consumer Disc | 0.89% | — | -1.63% | |
| 25 | SPYG | Ss Spdr P S&p 500 Growth ETF | ETF-Large Cap & Growth | 0.88% | — | +0.14% | |
| 26 | SPTM | Ss Spdr P S&p 1500 Comp ETF | ETF-Other | 0.87% | — | +3.37% | |
| 27 | XJR | Ishr Esg Ss S&p Smal-cap-usd | ETF-Other | 0.83% | — | +4.45% | |
| 28 | IYW | Ishares Ustechnology ETF | ETF-Tech | 0.66% | — | +0.05% | |
| 29 | HYXF | Ishares Esg Adv High Yield | ETF-High Yield | 0.66% | — | +1.97% | |
| 30 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.66% | — | -0.17% | |
| 31 | IJR | Ishares Core S&p Small-cap E | ETF-Small Cap | 0.62% | — | -1.28% | |
| 32 | VHT | Vanguard Health Care ETF | ETF-Other | 0.59% | — | +0.39% | |
| 33 | NUEM | Nuveen Esg Emerging Markets | ETF-Emerging Markets | 0.55% | — | +2.24% | |
| 34 | XJH | Ishare Esg Ss S&p Midcap ETF | ETF-Other | 0.55% | — | +4.07% | |
| 35 | NFLX | Netflix INC | Stock-Comm Services | 0.54% | — | — | |
| 36 | JPM | Jpmorgan Chase & Co | Stock-Financials | 0.52% | — | +0.47% | |
| 37 | NULV | Nuveen Esg Large-cap Val ETF | ETF-Other | 0.52% | — | +3.45% | |
| 38 | TSLA | Tesla INC | Stock-Consumer Disc | 0.48% | — | — | |
| 39 | BGRN | Ishares Usd Green Bond ETF | ETF-Other | 0.47% | — | +2.30% | |
| 40 | GOOGL | Alphabet Inc-cl A | Stock-Comm Services | 0.44% | — | +0.49% | |
| 41 | VIG | Vanguard Dividend Apprec ETF | ETF-Other | 0.41% | — | — | |
| 42 | TOST | Toast Inc-class A | Stock-Tech | 0.40% | — | -8.43% | |
| 43 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 0.40% | — | -1.46% | |
| 44 | DFAC | Dimensional US Core Equity 2 | ETF-Other | 0.40% | — | -3.54% | |
| 45 | VYM | Vanguard High Dvd Yield ETF | ETF-Other | 0.35% | — | -3.82% | |
| 46 | META | Meta Platforms Inc-class A | Stock-Comm Services | 0.32% | — | +0.71% | |
| 47 | PHYL | Pgim Active High Yield Bond | ETF-High Yield | 0.31% | — | -3.01% | |
| 48 | IYJ | Ishares U.s. Industrials ETF | ETF-Other | 0.30% | — | +0.20% | |
| 49 | MGV | Vanguard Mega Cap Value ETF | ETF-Other | 0.29% | — | — | |
| 50 | BRK-B | Berkshire Hathaway Inc-cl B | Stock-Other | 0.28% | — | +0.32% |
Performance for Q3 2026
+2.6%
Performance Last 4 Quarters
+15.6%
Based on 81% of reported portfolio value with available pricing
| Period | Holdings | Total value | Stability | Top holdings |
|---|---|---|---|---|
| 2025-06-30 | 74 | $164.6M | 0 | |
| 2025-03-31 | 68 | $149.8M | 100 | |
| 2024-12-31 | 67 | $144.3M | 0 | |
| 2024-09-30 | 64 | $141.0M | 0 | |
| 2024-06-30 | 65 | $132.9M | 0 | |
| 2024-03-31 | 66 | $126.1M | 0 | |
| 2023-12-31 | 61 | $120.5M | 0 | |
| 2023-09-30 | 58 | $113.6M | 0 | |
| 2023-06-30 | 63 | $122.7M | 0 | |
| 2023-03-31 | 64 | $118.5M | 0 | |
| 2022-12-31 | 68 | $115.3M | 0 | |
| 2022-09-30 | 57 | $102.7M | 0 | |
| 2022-06-30 | 489 | $118.1M | 0 | |
| 2022-03-31 | 59 | $106.7M | 0 | |
| 2021-12-31 | 65 | $118.8M | 0 | |
| 2021-09-30 | 640 | $121.3M | 0 | |
| 2021-06-30 | 618 | $111.8M | 93 | |
| 2021-03-31 | 572 | $96.9M | 0 |
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2025-06-30 | 2025-08-08 | 13F-HR | View on EDGAR |
| 2025-03-31 | 2025-04-10 | 13F-HR | View on EDGAR |
| 2024-12-31 | 2025-01-24 | 13F-HR | View on EDGAR |
| 2024-09-30 | 2024-10-25 | 13F-HR | View on EDGAR |
| 2024-06-30 | 2024-07-24 | 13F-HR | View on EDGAR |
| 2024-03-31 | 2024-05-01 | 13F-HR | View on EDGAR |
| 2023-12-31 | 2024-01-23 | 13F-HR | View on EDGAR |
| 2023-09-30 | 2023-11-08 | 13F-HR | View on EDGAR |
| 2023-06-30 | 2023-08-09 | 13F-HR | View on EDGAR |
| 2023-03-31 | 2023-05-03 | 13F-HR | View on EDGAR |
| 2022-12-31 | 2023-02-14 | 13F-HR | View on EDGAR |
| 2022-09-30 | 2022-10-28 | 13F-HR | View on EDGAR |
| 2022-06-30 | 2022-08-05 | 13F-HR | View on EDGAR |
| 2022-03-31 | 2022-05-13 | 13F-HR | View on EDGAR |
| 2021-12-31 | 2022-02-14 | 13F-HR | View on EDGAR |
| 2021-09-30 | 2021-10-28 | 13F-HR | View on EDGAR |
| 2021-06-30 | 2021-07-22 | 13F-HR | View on EDGAR |
| 2021-03-31 | 2021-05-04 | 13F-HR | View on EDGAR |
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