Better Money Decisions, LLC
In its 13F for Q1 2024 (holdings as of March 31, 2024, filed May 1, 2024), Better Money Decisions, LLC reported 66 stock positions worth $126.1 million. Its top holding was iShares Core MSCI Eafe ETF (IEFA) at 12.1% of the portfolio, followed by iShares 1-5Y Inv Grade (IGSB, 9.7%) and SS SPDR P St Term TSY ETF (SPTS, 8.8%). Compared with Q4 2023, it opened 8 new positions, sold out of 3, added to 34 and reduced 23. The biggest buy was Dimensional US Target Value (DFAT, shares +44%) and the biggest sale iShares Core MSCI Eafe ETF (IEFA, shares −18%).
- Most Recent 13F
- Q2 2025
- Location
- Santa Fe, NM
- CIK
- 0001858428
- Portfolio Value
- $126.1M (Q1 2024)
- SEC Filing
- 0001858428-24-000001 ↗ filed May 1, 2024
Holdings Value
Holdings 66 stocks · $126.1M
| IEFA iShares Core MSCI Eafe ETF | 12.13% | 206,003 | $15.3M | Reduce -18.4% |
| IGSB iShares 1-5Y Inv Grade Corp. | 9.74% | 239,354 | $12.3M | Reduce -3.0% |
| SPTS SS SPDR P St Term TSY ETF | 8.79% | 383,263 | $11.1M | Reduce -4.4% |
| IJH iShares Core S&P Midcap ETF | 6.71% | 139,370 | $8.5M | Add +5.8% |
| DFAT Dimensional US Target Value | 6.00% | 138,953 | $7.6M | Add +43.8% |
| SPEM State Street SP PTF Em ETF | 5.84% | 203,367 | $7.4M | Add +12.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 4.85% | 26,747 | $6.1M | Reduce -21.4% |
| VOO Vanguard S&P 500 ETF | 4.73% | 12,418 | $6.0M | Add +1.4% |
| XVV iShares ESG Select Screened | 3.08% | 96,418 | $3.9M | Reduce -0.3% |
| AAPL Apple Inc. | 2.48% | 18,209 | $3.1M | Add +0.8% |
| NUDM Nuveen ESG Intl Devel MRK Eq | 2.45% | 99,452 | $3.1M | Add +4.9% |
| VCIT Vanguard Int-Term Corporate | 2.40% | 37,585 | $3.0M | Add +1.9% |
| FLRN SS SPDR BB Ig Float RT ETF | 2.32% | 94,968 | $2.9M | Reduce -0.3% |
| SPAB SS SPDR P Agg Bond ETF | 2.21% | 110,094 | $2.8M | Add +16.7% |
| SUSB iShares ESG Aware 1-5 Year U | 1.56% | 80,158 | $2.0M | Reduce -0.0% |
| EAGG iShares ESG Aware US Aggrega | 1.28% | 34,194 | $1.6M | Add +2.8% |
| AMZN Amazon.com Inc. | 1.21% | 8,449 | $1.5M | Add +3.3% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.19% | 30,031 | $1.5M | Add +2.5% |
| SPYG SS SPDR P S&P 500 Growth ETF | 1.15% | 19,744 | $1.4M | Reduce -1.6% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 0.98% | 19,187 | $1.2M | Add +4.2% |
| IAGG iShares Intl Aggregate Bond | 0.95% | 23,880 | $1.2M | Reduce -2.7% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.94% | 15,317 | $1.2M | Add +4.3% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.92% | 32,474 | $1.2M | Add +1.9% |
| MSFT Microsoft Corp. | 0.85% | 2,547 | $1.1M | Add +4.1% |
| IJR iShares Core S&P Small-Cap E | 0.83% | 9,444 | $1.0M | Reduce -0.8% |
| VHT Vanguard Health Care ETF | 0.81% | 3,772 | $1.0M | Add +0.3% |
| IVV iShares Core S&P 500 ETF | 0.76% | 1,830 | $962K | Add +53.9% |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | 0.73% | 23,472 | $919K | Reduce -0.0% |
| IYW iShares Ustechnology ETF | 0.66% | 6,136 | $829K | Add +0.1% |
| VIG Vanguard Dividend Apprec ETF | 0.57% | 3,911 | $714K | Reduce -20.2% |
| BGRN iShares Usd Green Bond ETF | 0.56% | 14,974 | $702K | Reduce -4.2% |
| DFAC Dimensional US Core Equity 2 | 0.55% | 21,564 | $689K | Reduce -4.0% |
| NVDA Nvidia Corp. | 0.52% | 727 | $657K | Add +4.8% |
| JPM JPMorgan Chase & Co. | 0.48% | 3,048 | $611K | Add +79.0% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.48% | 14,695 | $604K | Reduce -0.0% |
| GOOGL Alphabet Inc. Class A | 0.47% | 3,884 | $586K | Add +5.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.45% | 1,086 | $568K | Add +66.3% |
| CVX Chevron Corp. | 0.39% | 3,150 | $497K | Add +6.3% |
| NUEM Nuveen ESG Emerging Markets | 0.38% | 17,437 | $480K | Add +0.9% |
| NULV Nuveen ESG Large-Cap Val ETF | 0.38% | 12,187 | $474K | Add +3.7% |
| NFLX Netflix Inc. | 0.37% | 767 | $466K | Reduce -1.2% |
| ESGV Vanguard ESG US Stock ETF | 0.37% | 4,955 | $462K | Add +0.2% |
| IYJ iShares U.S. Industrials ETF | 0.35% | 3,479 | $437K | Add +0.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.34% | 1,014 | $426K | Reduce -1.4% |
| ESG NT Stoxx US ESG ETF | 0.30% | 3,000 | $380K | New |
| SUSL iShares ESG MSCI USA Leaders | 0.29% | 3,957 | $371K | New |
| VTI VG Morningstar TS MKT ETF-US | 0.29% | 1,397 | $363K | Add +32.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.27% | 1,373 | $343K | Add +8.5% |
| IJT iShares S&P Small-Cap 600 GR | 0.26% | 2,491 | $326K | New |
| KO The Coca-Cola Co. | 0.25% | 5,208 | $319K | No change |
| COST Costco Wholesale Corp. | 0.25% | 428 | $314K | Reduce -8.7% |
| META Meta Platforms Inc. Class A | 0.22% | 576 | $280K | New |
| DFAX Dimensional World Ex US Core | 0.22% | 10,844 | $276K | Reduce -2.7% |
| SPSB SS SPDR P St C Corp. ETF | 0.22% | 9,204 | $274K | Add +0.8% |
| IDEV iShares Core MSCI Dev MKTS | 0.21% | 4,035 | $271K | New |
| IWB iShares Russell 1000 ETF | 0.21% | 900 | $259K | Reduce -2.0% |
| VYM Vanguard High DVD Yield ETF | 0.21% | 2,140 | $259K | Reduce -26.4% |
| QQQ Invesco QQQ Trust Series 1 | 0.19% | 553 | $245K | Add +0.2% |
| XLK SS Technology Select Sector | 0.19% | 1,159 | $241K | Reduce -7.9% |
| VSGX Vanguard ESG Intl Stock ETF | 0.19% | 4,168 | $240K | New |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.19% | 977 | $234K | Add +0.1% |
| VGT Vanguard Info Tech ETF | 0.18% | 441 | $231K | Add +0.2% |
| SIMS SS SPDR S&P Kensho Is ETF | 0.18% | 6,438 | $223K | Reduce -25.6% |
| SCHM Schwab US Mid Cap ETF | 0.17% | 2,673 | $218K | New |
| CNRG SS SPDR S&P Kensho CLP ETF | 0.17% | 3,265 | $211K | Add +0.3% |
| KKR KKR & Co. Inc. | 0.17% | 2,069 | $208K | New |
Portfolio Sells Q4 2023 → Q1 2024
| IEFA iShares Core MSCI Eafe ETF | Reduce -18.4% | 12.13% | −2.62 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -21.4% | 4.85% | −1.18 |
| SPTS SS SPDR P St Term TSY ETF | Reduce -4.4% | 8.79% | −0.88 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -3.0% | 9.74% | −0.77 |
| IGRO iShares Intl Div Growth ETF | Sold out | 0.00% | −0.32 |
| BSV Vanguard Short-Term Bond ETF | Sold out | 0.00% | −0.26 |
| IDRV iShares Self-Driving Ev&tech | Sold out | 0.00% | −0.24 |
| VIG Vanguard Dividend Apprec ETF | Reduce -20.2% | 0.57% | −0.13 |
| FLRN SS SPDR BB Ig Float RT ETF | Reduce -0.3% | 2.32% | −0.10 |
| SUSB iShares ESG Aware 1-5 Year U | Reduce -0.0% | 1.56% | −0.07 |
| SIMS SS SPDR S&P Kensho Is ETF | Reduce -25.6% | 0.18% | −0.07 |
| IAGG iShares Intl Aggregate Bond | Reduce -2.7% | 0.95% | −0.07 |
| VYM Vanguard High DVD Yield ETF | Reduce -26.4% | 0.21% | −0.06 |
| BGRN iShares Usd Green Bond ETF | Reduce -4.2% | 0.56% | −0.06 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.8% | 0.83% | −0.03 |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | Reduce -0.0% | 0.73% | −0.02 |
| XLK SS Technology Select Sector | Reduce -7.9% | 0.19% | −0.01 |
| COST Costco Wholesale Corp. | Reduce -8.7% | 0.25% | −0.01 |
| DFAX Dimensional World Ex US Core | Reduce -2.7% | 0.22% | −0.01 |
| DFAC Dimensional US Core Equity 2 | Reduce -4.0% | 0.55% | +0.00 |
| IWB iShares Russell 1000 ETF | Reduce -2.0% | 0.21% | +0.01 |
| XJH Ishare ESG SS S&P Midcap ETF | Reduce -0.0% | 0.48% | +0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -1.4% | 0.34% | +0.03 |
| NFLX Netflix Inc. | Reduce -1.2% | 0.37% | +0.06 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -1.6% | 1.15% | +0.06 |
| XVV iShares ESG Select Screened | Reduce -0.3% | 3.08% | +0.16 |
Portfolio Buys Q4 2023 → Q1 2024
| DFAT Dimensional US Target Value | Add +43.8% | 6.00% | +1.80 |
| IJH iShares Core S&P Midcap ETF | Add +5.8% | 6.71% | +0.65 |
| SPEM State Street SP PTF Em ETF | Add +12.7% | 5.84% | +0.53 |
| ESG NT Stoxx US ESG ETF | New | 0.30% | +0.30 |
| VOO Vanguard S&P 500 ETF | Add +1.4% | 4.73% | +0.30 |
| SUSL iShares ESG MSCI USA Leaders | New | 0.29% | +0.29 |
| IVV iShares Core S&P 500 ETF | Add +53.9% | 0.76% | +0.29 |
| IJT iShares S&P Small-Cap 600 GR | New | 0.26% | +0.26 |
| JPM JPMorgan Chase & Co. | Add +79.0% | 0.48% | +0.24 |
| NVDA Nvidia Corp. | Add +4.8% | 0.52% | +0.24 |
| META Meta Platforms Inc. Class A | New | 0.22% | +0.22 |
| IDEV iShares Core MSCI Dev MKTS | New | 0.21% | +0.21 |
| SPAB SS SPDR P Agg Bond ETF | Add +16.7% | 2.21% | +0.20 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +66.3% | 0.45% | +0.19 |
| VSGX Vanguard ESG Intl Stock ETF | New | 0.19% | +0.19 |
| AMZN Amazon.com Inc. | Add +3.3% | 1.21% | +0.18 |
| SCHM Schwab US Mid Cap ETF | New | 0.17% | +0.17 |
| KKR KKR & Co. Inc. | New | 0.17% | +0.17 |
| NUDM Nuveen ESG Intl Devel MRK Eq | Add +4.9% | 2.45% | +0.14 |
| MSFT Microsoft Corp. | Add +4.1% | 0.85% | +0.09 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Add +4.2% | 0.98% | +0.08 |
| VTI VG Morningstar TS MKT ETF-US | Add +32.9% | 0.29% | +0.08 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +2.5% | 1.19% | +0.06 |
| GOOGL Alphabet Inc. Class A | Add +5.0% | 0.47% | +0.04 |
| IYW iShares Ustechnology ETF | Add +0.1% | 0.66% | +0.03 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +8.5% | 0.27% | +0.03 |
| CVX Chevron Corp. | Add +6.3% | 0.39% | +0.03 |
| VHT Vanguard Health Care ETF | Add +0.3% | 0.81% | +0.03 |
| NULV Nuveen ESG Large-Cap Val ETF | Add +3.7% | 0.38% | +0.03 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +1.9% | 0.92% | +0.02 |
| IYJ iShares U.S. Industrials ETF | Add +0.2% | 0.35% | +0.02 |
| ESGV Vanguard ESG US Stock ETF | Add +0.2% | 0.37% | +0.02 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +0.1% | 0.19% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +0.2% | 0.19% | +0.01 |
| VGT Vanguard Info Tech ETF | Add +0.2% | 0.18% | +0.01 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +4.3% | 0.94% | +0.00 |
| NUEM Nuveen ESG Emerging Markets | Add +0.9% | 0.38% | −0.01 |
| SPSB SS SPDR P St C Corp. ETF | Add +0.8% | 0.22% | −0.01 |
| CNRG SS SPDR S&P Kensho CLP ETF | Add +0.3% | 0.17% | −0.03 |
| EAGG iShares ESG Aware US Aggrega | Add +2.8% | 1.28% | −0.04 |
| VCIT Vanguard Int-Term Corporate | Add +1.9% | 2.40% | −0.09 |
| AAPL Apple Inc. | Add +0.8% | 2.48% | −0.41 |
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 |