Q2 2025 · 13F-HR
Better Money Decisions, LLCholdings as filed
Filed 2025-08-08 · accession 0001667731-25-001073
$164.6M
Reported value
74
Positions
2025-06-30
Period end
Holdings as filed
| CUSIP | Ticker | Issuer | Value | % port. | Shares | Class | Voting |
|---|---|---|---|---|---|---|---|
| 46432F842 | IEFA | ISHARES TR | $16.7M | 10.2% | 200,431 | Common | NONE |
| 464288646 | IGSB | ISHARES TR | $15.9M | 9.65% | 301,082 | Common | NONE |
| 78468R101 | SPTS | SPDR SERIES TRUST | $14.8M | 8.98% | 504,368 | Common | NONE |
| 78463X509 | SPEM | SPDR INDEX SHS FDS | $11.3M | 6.84% | 263,223 | Common | NONE |
| 25434V609 | DFAT | DIMENSIONAL ETF TRUST | $10.1M | 6.14% | 187,289 | Common | NONE |
| 464287507 | IJH | ISHARES TR | $8.7M | 5.31% | 140,957 | Common | NONE |
| 922908363 | VOO | VANGUARD INDEX FDS | $7.0M | 4.24% | 12,299 | Common | NONE |
| 78468R200 | FLRN | SPDR SERIES TRUST | $6.4M | 3.89% | 207,496 | Common | NONE |
| 78464A649 | SPAB | SPDR SERIES TRUST | $4.8M | 2.95% | 189,378 | Common | NONE |
| 922908751 | VB | VANGUARD INDEX FDS | $4.6M | 2.77% | 19,257 | Common | NONE |
| 67092P805 | NUDM | NUSHARES ETF TR | $4.5M | 2.73% | 126,504 | Common | NONE |
| 46436E569 | XVV | ISHARES TR | $4.2M | 2.57% | 88,618 | Common | NONE |
| 037833100 | AAPL | APPLE INC | $4.1M | 2.50% | 20,034 | Common | NONE |
| 92206C870 | VCIT | VANGUARD SCOTTSDALE FDS | $4.1M | 2.49% | 49,446 | Common | NONE |
| 464288521 | USRT | ISHARES TR | $2.4M | 1.49% | 43,255 | Common | NONE |
| 46435U549 | EAGG | ISHARES TR | $2.1M | 1.30% | 44,950 | Common | NONE |
| 464288513 | HYG | ISHARES TR | $2.0M | 1.19% | 24,199 | Common | NONE |
| 78464A508 | SPYV | SPDR SERIES TRUST | $1.9M | 1.17% | 36,647 | Common | NONE |
| 594918104 | MSFT | MICROSOFT CORP | $1.7M | 1.06% | 3,498 | Common | NONE |
| 46435G243 | SUSB | ISHARES TR | $1.7M | 1.06% | 69,075 | Common | NONE |
| 67066G104 | NVDA | NVIDIA CORPORATION | $1.6M | 0.96% | 10,032 | Common | NONE |
| 78463X889 | SPDW | SPDR INDEX SHS FDS | $1.5M | 0.91% | 37,000 | Common | NONE |
| 46435G672 | IAGG | ISHARES TR | $1.5M | 0.90% | 28,903 | Common | NONE |
| 023135106 | AMZN | AMAZON COM INC | $1.5M | 0.89% | 6,686 | Common | NONE |
| 78464A409 | SPYG | SPDR SERIES TRUST | $1.5M | 0.88% | 15,234 | Common | NONE |
| 78464A805 | SPTM | SPDR SERIES TRUST | $1.4M | 0.87% | 19,177 | Common | NONE |
| 46436E544 | XJR | ISHARES TR | $1.4M | 0.83% | 34,450 | Common | NONE |
| 464287721 | IYW | ISHARES TR | $1.1M | 0.66% | 6,273 | Common | NONE |
| 46435G441 | HYXF | ISHARES TR | $1.1M | 0.66% | 22,883 | Common | NONE |
| 464287200 | IVV | ISHARES TR | $1.1M | 0.66% | 1,741 | Common | NONE |
| 464287804 | IJR | ISHARES TR | $1.0M | 0.62% | 9,278 | Common | NONE |
| 92204A504 | VHT | VANGUARD WORLD FD | $967,782 | 0.59% | 3,897 | Common | NONE |
| 67092P888 | NUEM | NUSHARES ETF TR | $911,870 | 0.55% | 27,458 | Common | NONE |
| 46436E551 | XJH | ISHARES TR | $902,335 | 0.55% | 21,743 | Common | NONE |
| 64110L106 | NFLX | NETFLIX INC | $895,878 | 0.54% | 669 | Common | NONE |
| 46625H100 | JPM | JPMORGAN CHASE & CO. | $860,163 | 0.52% | 2,967 | Common | NONE |
| 67092P300 | NULV | NUSHARES ETF TR | $859,921 | 0.52% | 20,516 | Common | NONE |
| 88160R101 | TSLA | TESLA INC | $789,703 | 0.48% | 2,486 | Common | NONE |
| 46435U440 | BGRN | ISHARES TR | $768,065 | 0.47% | 16,112 | Common | NONE |
| 02079K305 | GOOGL | ALPHABET INC | $729,654 | 0.44% | 4,140 | Common | NONE |
| 921908844 | VIG | VANGUARD SPECIALIZED FUNDS | $680,134 | 0.41% | 3,323 | Common | NONE |
| 888787108 | TOST | TOAST INC | $665,280 | 0.40% | 15,021 | Common | NONE |
| 922908769 | VTI | VANGUARD INDEX FDS | $658,622 | 0.40% | 2,167 | Common | NONE |
| 25434V708 | DFAC | DIMENSIONAL ETF TRUST | $652,392 | 0.40% | 18,203 | Common | NONE |
| 921946406 | VYM | VANGUARD WHITEHALL FDS | $577,149 | 0.35% | 4,329 | Common | NONE |
| 30303M102 | META | META PLATFORMS INC | $523,045 | 0.32% | 709 | Common | NONE |
| 69344A206 | PHYL | PGIM ETF TR | $505,730 | 0.31% | 14,250 | Common | NONE |
| 464287754 | IYJ | ISHARES TR | $500,642 | 0.30% | 3,518 | Common | NONE |
| 921910840 | MGV | VANGUARD WORLD FD | $477,043 | 0.29% | 3,636 | Common | NONE |
| 084670702 | BRK/B | BERKSHIRE HATHAWAY INC DEL | $460,996 | 0.28% | 949 | Common | NONE |
| 78462F103 | SPY | SPDR S&P 500 ETF TR | $457,692 | 0.28% | 741 | Common | NONE |
| 921910733 | ESGV | VANGUARD WORLD FD | $454,401 | 0.28% | 4,144 | Common | NONE |
| 33939L696 | ESG | FLEXSHARES TR | $446,953 | 0.27% | 3,044 | Common | NONE |
| 166764100 | CVX | CHEVRON CORP NEW | $431,145 | 0.26% | 3,011 | Common | NONE |
| 78464A474 | SPSB | SPDR SERIES TRUST | $420,525 | 0.26% | 13,929 | Common | NONE |
| 922908629 | VO | VANGUARD INDEX FDS | $415,321 | 0.25% | 1,484 | Common | NONE |
| 22160K105 | COST | COSTCO WHSL CORP NEW | $383,107 | 0.23% | 387 | Common | NONE |
| 25434V880 | DFAX | DIMENSIONAL ETF TRUST | $331,727 | 0.20% | 11,295 | Common | NONE |
| 548661107 | LOW | LOWES COS INC | $322,821 | 0.20% | 1,455 | Common | NONE |
| 922908637 | VV | VANGUARD INDEX FDS | $315,925 | 0.19% | 1,107 | Common | NONE |
| 92206C409 | VCSH | VANGUARD SCOTTSDALE FDS | $314,277 | 0.19% | 3,953 | Common | NONE |
| 191216100 | KO | COCA COLA CO | $313,159 | 0.19% | 4,426 | Common | NONE |
| 97717W604 | DES | WISDOMTREE TR | $306,408 | 0.19% | 9,648 | Common | NONE |
| 46435U218 | SUSL | ISHARES TR | $304,645 | 0.19% | 2,812 | Common | NONE |
| 46090E103 | QQQ | INVESCO QQQ TR | $289,016 | 0.18% | 524 | Common | NONE |
| 92204A702 | VGT | VANGUARD WORLD FD | $263,693 | 0.16% | 398 | Common | NONE |
| 48251W104 | KKR | KKR & CO INC | $249,032 | 0.15% | 1,872 | Common | NONE |
| 808524508 | SCHM | SCHWAB STRATEGIC TR | $228,620 | 0.14% | 8,150 | Common | NONE |
| 922908512 | VOE | VANGUARD INDEX FDS | $226,298 | 0.14% | 1,376 | Common | NONE |
| 874039100 | TSM | TAIWAN SEMICONDUCTOR MFG LTD | $217,204 | 0.13% | 959 | Common | NONE |
| 808524201 | SCHX | SCHWAB STRATEGIC TR | $216,919 | 0.13% | 8,876 | Common | NONE |
| 369604301 | GE | GE AEROSPACE | $205,397 | 0.12% | 798 | Common | NONE |
| 025816109 | AXP | AMERICAN EXPRESS CO | $203,190 | 0.12% | 637 | Common | NONE |
| 81369Y803 | XLK | SELECT SECTOR SPDR TR | $200,328 | 0.12% | 791 | Common | NONE |
Source: SEC EDGAR · raw 13F holdings as filed. The Class column shows the option type when reported (Put/Call) or Common when the issuer's equity is held directly. 13F discloses long positions only.