Better Money Decisions, LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 8, 2025), Better Money Decisions, LLC reported 74 stock positions worth $164.6 million. Its top holding was iShares Core MSCI Eafe ETF (IEFA) at 10.2% of the portfolio, followed by iShares 1-5Y Inv Grade (IGSB, 9.7%) and SS SPDR P St Term TSY ETF (SPTS, 9.0%). Compared with Q1 2025, it opened 7 new positions, sold out of 1, added to 44 and reduced 14. The biggest buy was a new position in Tesla (TSLA) and the biggest sale Vanguard Int-Term Corporate (VCIT, shares −3%).
- Most Recent 13F
- Q2 2025
- Location
- Santa Fe, NM
- CIK
- 0001858428
- Portfolio Value
- $164.6M (Q2 2025)
- SEC Filing
- 0001667731-25-001073 ↗ filed Aug 8, 2025
Holdings Value
Holdings 74 stocks · $164.6M
| IEFA iShares Core MSCI Eafe ETF | 10.17% | 200,431 | $16.7M | Add +2.4% |
| IGSB iShares 1-5Y Inv Grade Corp. | 9.65% | 301,082 | $15.9M | Add +5.3% |
| SPTS SS SPDR P St Term TSY ETF | 8.98% | 504,368 | $14.8M | Add +5.0% |
| SPEM State Street SP PTF Em ETF | 6.84% | 263,223 | $11.3M | Add +4.3% |
| DFAT Dimensional US Target Value | 6.14% | 187,289 | $10.1M | Add +5.3% |
| IJH iShares Core S&P Midcap ETF | 5.31% | 140,957 | $8.7M | Add +3.9% |
| VOO Vanguard S&P 500 ETF | 4.24% | 12,299 | $7.0M | Reduce -6.7% |
| FLRN SS SPDR BB Ig Float RT ETF | 3.89% | 207,496 | $6.4M | Add +8.5% |
| SPAB SS SPDR P Agg Bond ETF | 2.95% | 189,378 | $4.8M | Add +10.2% |
| VB Vanguard Most SM-Cap ETF-Usd | 2.77% | 19,257 | $4.6M | Add +0.7% |
| NUDM Nuveen ESG Intl Devel MRK Eq | 2.73% | 126,504 | $4.5M | Add +2.1% |
| XVV iShares ESG Select Screened | 2.57% | 88,618 | $4.2M | Add +2.1% |
| AAPL Apple Inc. | 2.50% | 20,034 | $4.1M | Add +0.2% |
| VCIT Vanguard Int-Term Corporate | 2.49% | 49,446 | $4.1M | Reduce -3.5% |
| USRT iShares Core US REIT ETF | 1.49% | 43,255 | $2.4M | Add +4.2% |
| EAGG iShares ESG Aware US Aggrega | 1.30% | 44,950 | $2.1M | Add +4.0% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 1.19% | 24,199 | $2.0M | Add +10.9% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.17% | 36,647 | $1.9M | Add +3.0% |
| MSFT Microsoft Corp. | 1.06% | 3,498 | $1.7M | Add +0.6% |
| SUSB iShares ESG Aware 1-5 Year U | 1.06% | 69,075 | $1.7M | Add +2.5% |
| NVDA Nvidia Corp. | 0.96% | 10,032 | $1.6M | Add +0.7% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.91% | 37,000 | $1.5M | Add +2.0% |
| IAGG iShares Intl Aggregate Bond | 0.90% | 28,903 | $1.5M | Add +4.5% |
| AMZN Amazon.com Inc. | 0.89% | 6,686 | $1.5M | Reduce -1.6% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.88% | 15,234 | $1.5M | Add +0.1% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 0.87% | 19,177 | $1.4M | Add +3.4% |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | 0.83% | 34,450 | $1.4M | Add +4.5% |
| IYW iShares Ustechnology ETF | 0.66% | 6,273 | $1.1M | Add +0.1% |
| HYXF iShares ESG Adv High Yield | 0.66% | 22,883 | $1.1M | Add +2.0% |
| IVV iShares Core S&P 500 ETF | 0.66% | 1,741 | $1.1M | Reduce -0.2% |
| IJR iShares Core S&P Small-Cap E | 0.62% | 9,278 | $1.0M | Reduce -1.3% |
| VHT Vanguard Health Care ETF | 0.59% | 3,897 | $968K | Add +0.4% |
| NUEM Nuveen ESG Emerging Markets | 0.55% | 27,458 | $912K | Add +2.2% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.55% | 21,743 | $902K | Add +4.1% |
| NFLX Netflix Inc. | 0.54% | 669 | $896K | No change |
| JPM JPMorgan Chase & Co. | 0.52% | 2,967 | $860K | Add +0.5% |
| NULV Nuveen ESG Large-Cap Val ETF | 0.52% | 20,516 | $860K | Add +3.5% |
| TSLA Tesla Inc. | 0.48% | 2,486 | $790K | New |
| BGRN iShares Usd Green Bond ETF | 0.47% | 16,112 | $768K | Add +2.3% |
| GOOGL Alphabet Inc. Class A | 0.44% | 4,140 | $730K | Add +0.5% |
| VIG Vanguard Dividend Apprec ETF | 0.41% | 3,323 | $680K | No change |
| TOST Toast Inc. Class A | 0.40% | 15,021 | $665K | Reduce -8.4% |
| VTI VG Morningstar TS MKT ETF-US | 0.40% | 2,167 | $659K | Reduce -1.5% |
| DFAC Dimensional US Core Equity 2 | 0.40% | 18,203 | $652K | Reduce -3.5% |
| VYM Vanguard High DVD Yield ETF | 0.35% | 4,329 | $577K | Reduce -3.8% |
| META Meta Platforms Inc. Class A | 0.32% | 709 | $523K | Add +0.7% |
| PHYL Pgim Active High Yield Bond | 0.31% | 14,250 | $506K | Reduce -3.0% |
| IYJ iShares U.S. Industrials ETF | 0.30% | 3,518 | $501K | Add +0.2% |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.29% | 3,636 | $477K | New |
| BRK.B Berkshire Hathaway Inc. Class B | 0.28% | 949 | $461K | Add +0.3% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.28% | 741 | $458K | Add +0.3% |
| ESGV Vanguard ESG US Stock ETF | 0.28% | 4,144 | $454K | Reduce -1.2% |
| ESG NT Stoxx US ESG ETF | 0.27% | 3,044 | $447K | Add +0.3% |
| CVX Chevron Corp. | 0.26% | 3,011 | $431K | No change |
| SPSB SS SPDR P St C Corp. ETF | 0.26% | 13,929 | $421K | Add +9.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.25% | 1,484 | $415K | Reduce -14.0% |
| COST Costco Wholesale Corp. | 0.23% | 387 | $383K | Add +1.0% |
| DFAX Dimensional World Ex US Core | 0.20% | 11,295 | $332K | Add +1.3% |
| LOW Lowe's Cos Inc. | 0.20% | 1,455 | $323K | No change |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.19% | 1,107 | $316K | No change |
| VCSH Vanguard S/T Corp. Bond ETF | 0.19% | 3,953 | $314K | Reduce -32.6% |
| KO The Coca-Cola Co. | 0.19% | 4,426 | $313K | No change |
| DES Wisdomtree US Smallcap Divid | 0.19% | 9,648 | $306K | Add +0.7% |
| SUSL iShares ESG MSCI USA Leaders | 0.19% | 2,812 | $305K | Add +0.3% |
| QQQ Invesco QQQ Trust Series 1 | 0.18% | 524 | $289K | No change |
| VGT Vanguard Info Tech ETF | 0.16% | 398 | $264K | Reduce -0.5% |
| KKR KKR & Co. Inc. | 0.15% | 1,872 | $249K | No change |
| SCHM Schwab US Mid Cap ETF | 0.14% | 8,150 | $229K | Add +0.3% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.14% | 1,376 | $226K | No change |
| TSM Taiwan Semiconductor-SP ADR | 0.13% | 959 | $217K | New |
| SCHX Schwab US Large-Cap ETF | 0.13% | 8,876 | $217K | New |
| GE General Electric filed as GE AEROSPACE | 0.12% | 798 | $205K | New |
| AXP American Express Co. | 0.12% | 637 | $203K | New |
| XLK SS Technology Select Sector | 0.12% | 791 | $200K | New |
Portfolio Sells Q1 2025 → Q2 2025
| VCIT Vanguard Int-Term Corporate | Reduce -3.5% | 2.49% | −0.30 |
| VOO Vanguard S&P 500 ETF | Reduce -6.7% | 4.24% | −0.28 |
| VEA Vanguard Ftse Developed ETF | Sold out | 0.00% | −0.27 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -32.6% | 0.19% | −0.12 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -14.0% | 0.25% | −0.05 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.3% | 0.62% | −0.04 |
| VYM Vanguard High DVD Yield ETF | Reduce -3.8% | 0.35% | −0.04 |
| PHYL Pgim Active High Yield Bond | Reduce -3.0% | 0.31% | −0.03 |
| DFAC Dimensional US Core Equity 2 | Reduce -3.5% | 0.40% | −0.02 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -1.5% | 0.40% | −0.00 |
| ESGV Vanguard ESG US Stock ETF | Reduce -1.2% | 0.28% | +0.00 |
| IVV iShares Core S&P 500 ETF | Reduce -0.2% | 0.66% | +0.00 |
| VGT Vanguard Info Tech ETF | Reduce -0.5% | 0.16% | +0.02 |
| AMZN Amazon.com Inc. | Reduce -1.6% | 0.89% | +0.03 |
| TOST Toast Inc. Class A | Reduce -8.4% | 0.40% | +0.04 |
Portfolio Buys Q1 2025 → Q2 2025
| TSLA Tesla Inc. | New | 0.48% | +0.48 |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | New | 0.29% | +0.29 |
| IEFA iShares Core MSCI Eafe ETF | Add +2.4% | 10.17% | +0.29 |
| NVDA Nvidia Corp. | Add +0.7% | 0.96% | +0.24 |
| SPEM State Street SP PTF Em ETF | Add +4.3% | 6.84% | +0.20 |
| MSFT Microsoft Corp. | Add +0.6% | 1.06% | +0.19 |
| TSM Taiwan Semiconductor-SP ADR | New | 0.13% | +0.13 |
| SCHX Schwab US Large-Cap ETF | New | 0.13% | +0.13 |
| GE General Electric | New | 0.12% | +0.12 |
| AXP American Express Co. | New | 0.12% | +0.12 |
| XLK SS Technology Select Sector | New | 0.12% | +0.12 |
| NUDM Nuveen ESG Intl Devel MRK Eq | Add +2.1% | 2.73% | +0.09 |
| XVV iShares ESG Select Screened | Add +2.1% | 2.57% | +0.09 |
| IYW iShares Ustechnology ETF | Add +0.1% | 0.66% | +0.07 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +0.1% | 0.88% | +0.07 |
| META Meta Platforms Inc. Class A | Add +0.7% | 0.32% | +0.05 |
| JPM JPMorgan Chase & Co. | Add +0.5% | 0.52% | +0.04 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +10.9% | 1.19% | +0.04 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Add +3.4% | 0.87% | +0.03 |
| NUEM Nuveen ESG Emerging Markets | Add +2.2% | 0.55% | +0.03 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +2.0% | 0.91% | +0.03 |
| IJH iShares Core S&P Midcap ETF | Add +3.9% | 5.31% | +0.03 |
| DFAT Dimensional US Target Value | Add +5.3% | 6.14% | +0.03 |
| GOOGL Alphabet Inc. Class A | Add +0.5% | 0.44% | +0.02 |
| SPAB SS SPDR P Agg Bond ETF | Add +10.2% | 2.95% | +0.02 |
| DFAX Dimensional World Ex US Core | Add +1.3% | 0.20% | +0.01 |
| SUSL iShares ESG MSCI USA Leaders | Add +0.3% | 0.19% | +0.01 |
| XJH Ishare ESG SS S&P Midcap ETF | Add +4.1% | 0.55% | +0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +0.3% | 0.28% | +0.00 |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | Add +4.5% | 0.83% | −0.00 |
| ESG NT Stoxx US ESG ETF | Add +0.3% | 0.27% | −0.00 |
| IYJ iShares U.S. Industrials ETF | Add +0.2% | 0.30% | −0.00 |
| SPSB SS SPDR P St C Corp. ETF | Add +9.0% | 0.26% | −0.00 |
| SCHM Schwab US Mid Cap ETF | Add +0.3% | 0.14% | −0.00 |
| COST Costco Wholesale Corp. | Add +1.0% | 0.23% | −0.01 |
| NULV Nuveen ESG Large-Cap Val ETF | Add +3.5% | 0.52% | −0.01 |
| DES Wisdomtree US Smallcap Divid | Add +0.7% | 0.19% | −0.02 |
| IAGG iShares Intl Aggregate Bond | Add +4.5% | 0.90% | −0.03 |
| BGRN iShares Usd Green Bond ETF | Add +2.3% | 0.47% | −0.03 |
| HYXF iShares ESG Adv High Yield | Add +2.0% | 0.66% | −0.03 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +3.0% | 1.17% | −0.05 |
| FLRN SS SPDR BB Ig Float RT ETF | Add +8.5% | 3.89% | −0.05 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +0.3% | 0.28% | −0.06 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +0.7% | 2.77% | −0.06 |
| SUSB iShares ESG Aware 1-5 Year U | Add +2.5% | 1.06% | −0.07 |
| EAGG iShares ESG Aware US Aggrega | Add +4.0% | 1.30% | −0.07 |
| VHT Vanguard Health Care ETF | Add +0.4% | 0.59% | −0.10 |
| USRT iShares Core US REIT ETF | Add +4.2% | 1.49% | −0.11 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +5.3% | 9.65% | −0.34 |
| SPTS SS SPDR P St Term TSY ETF | Add +5.0% | 8.98% | −0.40 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2025 | 74 | $164.6M | IEFA, IGSB, SPTS, SPEM, DFAT |
| Q1 2025 | 68 | $149.8M | IGSB, IEFA, SPTS, SPEM, DFAT |
| Q4 2024 | 67 | $144.3M | IGSB, SPTS, IEFA, DFAT, SPEM |
| Q3 2024 | 64 | $141.0M | IEFA, IGSB, SPTS, SPEM, DFAT |
| Q2 2024 | 65 | $132.9M | IEFA, IGSB, SPTS, IJH, SPEM |
| Q1 2024 | 66 | $126.1M | IEFA, IGSB, SPTS, IJH, DFAT |