Better Money Decisions, LLC
In its 13F for Q2 2024 (holdings as of June 30, 2024, filed July 24, 2024), Better Money Decisions, LLC reported 65 stock positions worth $132.9 million. Its top holding was iShares Core MSCI Eafe ETF (IEFA) at 11.8% 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 Q1 2024, it opened 1 new position, sold out of 2, added to 43 and reduced 18. The biggest buy was Vanguard S&P 500 ETF (VOO, shares +14%) and the biggest sale an exit from iShares S&P Small-Cap 600 GR (IJT).
- Most Recent 13F
- Q2 2025
- Location
- Santa Fe, NM
- CIK
- 0001858428
- Portfolio Value
- $132.9M (Q2 2024)
- SEC Filing
- 0001858428-24-000002 ↗ filed Jul 24, 2024
Holdings Value
Holdings 65 stocks · $132.9M
| IEFA iShares Core MSCI Eafe ETF | 11.79% | 215,726 | $15.7M | Add +4.7% |
| IGSB iShares 1-5Y Inv Grade Corp. | 9.74% | 252,529 | $12.9M | Add +5.5% |
| SPTS SS SPDR P St Term TSY ETF | 8.84% | 407,064 | $11.8M | Add +6.2% |
| IJH iShares Core S&P Midcap ETF | 6.44% | 146,191 | $8.6M | Add +4.9% |
| SPEM State Street SP PTF Em ETF | 6.19% | 218,363 | $8.2M | Add +7.4% |
| DFAT Dimensional US Target Value | 5.73% | 146,813 | $7.6M | Add +5.7% |
| VOO Vanguard S&P 500 ETF | 5.32% | 14,134 | $7.1M | Add +13.8% |
| VB Vanguard Most SM-Cap ETF-Usd | 4.44% | 27,043 | $5.9M | Add +1.1% |
| XVV iShares ESG Select Screened | 3.14% | 99,200 | $4.2M | Add +2.9% |
| AAPL Apple Inc. | 2.80% | 17,646 | $3.7M | Reduce -3.1% |
| NUDM Nuveen ESG Intl Devel MRK Eq | 2.46% | 105,014 | $3.3M | Add +5.6% |
| VCIT Vanguard Int-Term Corporate | 2.44% | 40,539 | $3.2M | Add +7.9% |
| SPAB SS SPDR P Agg Bond ETF | 2.38% | 126,180 | $3.2M | Add +14.6% |
| FLRN SS SPDR BB Ig Float RT ETF | 2.35% | 101,403 | $3.1M | Add +6.8% |
| SUSB iShares ESG Aware 1-5 Year U | 1.51% | 82,023 | $2.0M | Add +2.3% |
| EAGG iShares ESG Aware US Aggrega | 1.27% | 36,253 | $1.7M | Add +6.0% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.23% | 33,478 | $1.6M | Add +11.5% |
| AMZN Amazon.com Inc. | 1.18% | 8,129 | $1.6M | Reduce -3.8% |
| SPYG SS SPDR P S&P 500 Growth ETF | 1.18% | 19,532 | $1.6M | Reduce -1.1% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 1.03% | 17,709 | $1.4M | Add +15.6% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 0.98% | 19,631 | $1.3M | Add +2.3% |
| IAGG iShares Intl Aggregate Bond | 0.97% | 25,846 | $1.3M | Add +8.2% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.89% | 33,657 | $1.2M | Add +3.6% |
| NVDA Nvidia Corp. | 0.84% | 9,063 | $1.1M | Add +24.7% |
| MSFT Microsoft Corp. | 0.84% | 2,497 | $1.1M | Reduce -2.0% |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | 0.81% | 28,297 | $1.1M | Add +20.6% |
| IVV iShares Core S&P 500 ETF | 0.76% | 1,852 | $1.0M | Add +1.2% |
| VHT Vanguard Health Care ETF | 0.76% | 3,775 | $1.0M | Add +0.1% |
| IJR iShares Core S&P Small-Cap E | 0.75% | 9,355 | $998K | Reduce -0.9% |
| IYW iShares Ustechnology ETF | 0.70% | 6,139 | $924K | Add +0.1% |
| BGRN iShares Usd Green Bond ETF | 0.55% | 15,650 | $728K | Add +4.5% |
| GOOGL Alphabet Inc. Class A | 0.52% | 3,814 | $695K | Reduce -1.8% |
| DFAC Dimensional US Core Equity 2 | 0.52% | 21,239 | $685K | Reduce -1.5% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.48% | 16,147 | $639K | Add +9.9% |
| VIG Vanguard Dividend Apprec ETF | 0.47% | 3,420 | $624K | Reduce -12.6% |
| JPM JPMorgan Chase & Co. | 0.43% | 2,833 | $573K | Reduce -7.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.43% | 1,039 | $565K | Reduce -4.3% |
| NUEM Nuveen ESG Emerging Markets | 0.42% | 19,308 | $554K | Add +10.7% |
| NULV Nuveen ESG Large-Cap Val ETF | 0.39% | 13,642 | $516K | Add +11.9% |
| CVX Chevron Corp. | 0.36% | 3,099 | $485K | Reduce -1.6% |
| ESGV Vanguard ESG US Stock ETF | 0.36% | 4,971 | $480K | Add +0.3% |
| NFLX Netflix Inc. | 0.35% | 693 | $468K | Reduce -9.7% |
| IYJ iShares U.S. Industrials ETF | 0.31% | 3,486 | $416K | Add +0.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.31% | 1,014 | $412K | No change |
| SUSL iShares ESG MSCI USA Leaders | 0.29% | 3,966 | $386K | Add +0.2% |
| ESG NT Stoxx US ESG ETF | 0.29% | 3,010 | $386K | Add +0.3% |
| KO The Coca-Cola Co. | 0.25% | 5,208 | $332K | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.25% | 1,357 | $329K | Reduce -1.2% |
| VTI VG Morningstar TS MKT ETF-US | 0.25% | 1,221 | $327K | Reduce -12.6% |
| COST Costco Wholesale Corp. | 0.23% | 363 | $309K | Reduce -15.2% |
| DFAX Dimensional World Ex US Core | 0.21% | 10,955 | $278K | Add +1.0% |
| SPSB SS SPDR P St C Corp. ETF | 0.21% | 9,316 | $277K | Add +1.2% |
| IWB iShares Russell 1000 ETF | 0.21% | 924 | $275K | Add +2.7% |
| META Meta Platforms Inc. Class A | 0.20% | 535 | $270K | Reduce -7.1% |
| IDEV iShares Core MSCI Dev MKTS | 0.20% | 4,105 | $269K | Add +1.7% |
| QQQ Invesco QQQ Trust Series 1 | 0.20% | 556 | $266K | Add +0.5% |
| XLK SS Technology Select Sector | 0.20% | 1,160 | $262K | Add +0.1% |
| VYM Vanguard High DVD Yield ETF | 0.19% | 2,158 | $256K | Add +0.8% |
| VGT Vanguard Info Tech ETF | 0.19% | 431 | $249K | Reduce -2.3% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.18% | 977 | $244K | No change |
| VSGX Vanguard ESG Intl Stock ETF | 0.18% | 4,208 | $241K | Add +1.0% |
| KKR KKR & Co. Inc. | 0.16% | 2,064 | $217K | Reduce -0.2% |
| SIMS SS SPDR S&P Kensho Is ETF | 0.16% | 6,458 | $215K | Add +0.3% |
| HYXF iShares ESG Adv High Yield | 0.16% | 4,735 | $214K | New |
| SCHM Schwab US Mid Cap ETF | 0.16% | 2,676 | $208K | Add +0.1% |
Portfolio Sells Q1 2024 → Q2 2024
| IJT iShares S&P Small-Cap 600 GR | Sold out | 0.00% | −0.26 |
| CNRG SS SPDR S&P Kensho CLP ETF | Sold out | 0.00% | −0.17 |
| VIG Vanguard Dividend Apprec ETF | Reduce -12.6% | 0.47% | −0.10 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.9% | 0.75% | −0.08 |
| JPM JPMorgan Chase & Co. | Reduce -7.0% | 0.43% | −0.05 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -12.6% | 0.25% | −0.04 |
| DFAC Dimensional US Core Equity 2 | Reduce -1.5% | 0.52% | −0.03 |
| CVX Chevron Corp. | Reduce -1.6% | 0.36% | −0.03 |
| AMZN Amazon.com Inc. | Reduce -3.8% | 1.18% | −0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -4.3% | 0.43% | −0.03 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -1.2% | 0.25% | −0.03 |
| META Meta Platforms Inc. Class A | Reduce -7.1% | 0.20% | −0.02 |
| NFLX Netflix Inc. | Reduce -9.7% | 0.35% | −0.02 |
| COST Costco Wholesale Corp. | Reduce -15.2% | 0.23% | −0.02 |
| MSFT Microsoft Corp. | Reduce -2.0% | 0.84% | −0.01 |
| KKR KKR & Co. Inc. | Reduce -0.2% | 0.16% | −0.00 |
| VGT Vanguard Info Tech ETF | Reduce -2.3% | 0.19% | +0.00 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -1.1% | 1.18% | +0.03 |
| GOOGL Alphabet Inc. Class A | Reduce -1.8% | 0.52% | +0.06 |
| AAPL Apple Inc. | Reduce -3.1% | 2.80% | +0.32 |
Portfolio Buys Q1 2024 → Q2 2024
| VOO Vanguard S&P 500 ETF | Add +13.8% | 5.32% | +0.58 |
| SPEM State Street SP PTF Em ETF | Add +7.4% | 6.19% | +0.35 |
| NVDA Nvidia Corp. | Add +24.7% | 0.84% | +0.32 |
| SPAB SS SPDR P Agg Bond ETF | Add +14.6% | 2.38% | +0.17 |
| HYXF iShares ESG Adv High Yield | New | 0.16% | +0.16 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +15.6% | 1.03% | +0.08 |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | Add +20.6% | 0.81% | +0.08 |
| XVV iShares ESG Select Screened | Add +2.9% | 3.14% | +0.06 |
| SPTS SS SPDR P St Term TSY ETF | Add +6.2% | 8.84% | +0.05 |
| IYW iShares Ustechnology ETF | Add +0.1% | 0.70% | +0.04 |
| VCIT Vanguard Int-Term Corporate | Add +7.9% | 2.44% | +0.04 |
| NUEM Nuveen ESG Emerging Markets | Add +10.7% | 0.42% | +0.04 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +11.5% | 1.23% | +0.03 |
| FLRN SS SPDR BB Ig Float RT ETF | Add +6.8% | 2.35% | +0.03 |
| IAGG iShares Intl Aggregate Bond | Add +8.2% | 0.97% | +0.02 |
| NULV Nuveen ESG Large-Cap Val ETF | Add +11.9% | 0.39% | +0.01 |
| NUDM Nuveen ESG Intl Devel MRK Eq | Add +5.6% | 2.46% | +0.01 |
| XLK SS Technology Select Sector | Add +0.1% | 0.20% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +0.5% | 0.20% | +0.01 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Add +2.3% | 0.98% | +0.00 |
| XJH Ishare ESG SS S&P Midcap ETF | Add +9.9% | 0.48% | +0.00 |
| IWB iShares Russell 1000 ETF | Add +2.7% | 0.21% | +0.00 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +5.5% | 9.74% | −0.00 |
| IVV iShares Core S&P 500 ETF | Add +1.2% | 0.76% | −0.00 |
| SUSL iShares ESG MSCI USA Leaders | Add +0.2% | 0.29% | −0.00 |
| ESGV Vanguard ESG US Stock ETF | Add +0.3% | 0.36% | −0.00 |
| EAGG iShares ESG Aware US Aggrega | Add +6.0% | 1.27% | −0.01 |
| VSGX Vanguard ESG Intl Stock ETF | Add +1.0% | 0.18% | −0.01 |
| BGRN iShares Usd Green Bond ETF | Add +4.5% | 0.55% | −0.01 |
| SPSB SS SPDR P St C Corp. ETF | Add +1.2% | 0.21% | −0.01 |
| DFAX Dimensional World Ex US Core | Add +1.0% | 0.21% | −0.01 |
| ESG NT Stoxx US ESG ETF | Add +0.3% | 0.29% | −0.01 |
| IDEV iShares Core MSCI Dev MKTS | Add +1.7% | 0.20% | −0.01 |
| VYM Vanguard High DVD Yield ETF | Add +0.8% | 0.19% | −0.01 |
| SIMS SS SPDR S&P Kensho Is ETF | Add +0.3% | 0.16% | −0.02 |
| SCHM Schwab US Mid Cap ETF | Add +0.1% | 0.16% | −0.02 |
| IYJ iShares U.S. Industrials ETF | Add +0.2% | 0.31% | −0.03 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +3.6% | 0.89% | −0.03 |
| SUSB iShares ESG Aware 1-5 Year U | Add +2.3% | 1.51% | −0.05 |
| VHT Vanguard Health Care ETF | Add +0.1% | 0.76% | −0.05 |
| DFAT Dimensional US Target Value | Add +5.7% | 5.73% | −0.27 |
| IJH iShares Core S&P Midcap ETF | Add +4.9% | 6.44% | −0.28 |
| IEFA iShares Core MSCI Eafe ETF | Add +4.7% | 11.79% | −0.34 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +1.1% | 4.44% | −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 |