Better Money Decisions, LLC
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 25, 2024), Better Money Decisions, LLC reported 64 stock positions worth $141.0 million. Its top holding was iShares Core MSCI Eafe ETF (IEFA) at 11.2% of the portfolio, followed by iShares 1-5Y Inv Grade (IGSB, 9.7%) and SS SPDR P St Term TSY ETF (SPTS, 8.4%). Compared with Q2 2024, it opened 2 new positions, sold out of 3, added to 38 and reduced 21. The biggest buy was SS SPDR BB Ig Float RT ETF (FLRN, shares +63%) and the biggest sale Vanguard Most SM-Cap ETF-Usd (VB, shares −21%).
- Most Recent 13F
- Q2 2025
- Location
- Santa Fe, NM
- CIK
- 0001858428
- Portfolio Value
- $141.0M (Q3 2024)
- SEC Filing
- 0001858428-24-000003 ↗ filed Oct 25, 2024
Holdings Value
Holdings 64 stocks · $141.0M
| IEFA iShares Core MSCI Eafe ETF | 11.20% | 202,243 | $15.8M | Reduce -6.3% |
| IGSB iShares 1-5Y Inv Grade Corp. | 9.67% | 258,917 | $13.6M | Add +2.5% |
| SPTS SS SPDR P St Term TSY ETF | 8.43% | 404,116 | $11.9M | Reduce -0.7% |
| SPEM State Street SP PTF Em ETF | 6.50% | 221,956 | $9.2M | Add +1.6% |
| DFAT Dimensional US Target Value | 6.21% | 157,312 | $8.8M | Add +7.2% |
| IJH iShares Core S&P Midcap ETF | 5.95% | 134,555 | $8.4M | Reduce -8.0% |
| VOO Vanguard S&P 500 ETF | 5.21% | 13,920 | $7.3M | Reduce -1.5% |
| FLRN SS SPDR BB Ig Float RT ETF | 3.63% | 165,704 | $5.1M | Add +63.4% |
| VB Vanguard Most SM-Cap ETF-Usd | 3.57% | 21,232 | $5.0M | Reduce -21.5% |
| AAPL Apple Inc. | 2.95% | 17,836 | $4.2M | Add +1.1% |
| XVV iShares ESG Select Screened | 2.92% | 92,960 | $4.1M | Reduce -6.3% |
| VCIT Vanguard Int-Term Corporate | 2.62% | 44,135 | $3.7M | Add +8.9% |
| SPAB SS SPDR P Agg Bond ETF | 2.61% | 140,574 | $3.7M | Add +11.4% |
| NUDM Nuveen ESG Intl Devel MRK Eq | 2.57% | 107,824 | $3.6M | Add +2.7% |
| EAGG iShares ESG Aware US Aggrega | 1.35% | 39,295 | $1.9M | Add +8.4% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.30% | 34,761 | $1.8M | Add +3.8% |
| SUSB iShares ESG Aware 1-5 Year U | 1.23% | 68,667 | $1.7M | Reduce -16.3% |
| SPYG SS SPDR P S&P 500 Growth ETF | 1.14% | 19,415 | $1.6M | Reduce -0.6% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 1.13% | 19,830 | $1.6M | Add +12.0% |
| AMZN Amazon.com Inc. | 1.07% | 8,119 | $1.5M | Reduce -0.1% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 1.01% | 20,356 | $1.4M | Add +3.7% |
| IAGG iShares Intl Aggregate Bond | 0.96% | 26,139 | $1.4M | Add +1.1% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.92% | 34,565 | $1.3M | Add +2.7% |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | 0.85% | 28,515 | $1.2M | Add +0.8% |
| NVDA Nvidia Corp. | 0.82% | 9,495 | $1.2M | Add +4.8% |
| IJR iShares Core S&P Small-Cap E | 0.76% | 9,218 | $1.1M | Reduce -1.5% |
| VHT Vanguard Health Care ETF | 0.76% | 3,815 | $1.1M | Add +1.1% |
| MSFT Microsoft Corp. | 0.76% | 2,475 | $1.1M | Reduce -0.9% |
| IVV iShares Core S&P 500 ETF | 0.67% | 1,639 | $946K | Reduce -11.5% |
| IYW iShares Ustechnology ETF | 0.66% | 6,146 | $932K | Add +0.1% |
| NULV Nuveen ESG Large-Cap Val ETF | 0.58% | 19,473 | $812K | Add +42.7% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.55% | 18,205 | $770K | Add +12.8% |
| DFAC Dimensional US Core Equity 2 | 0.50% | 20,354 | $698K | Reduce -4.2% |
| VIG Vanguard Dividend Apprec ETF | 0.48% | 3,452 | $684K | Add +0.9% |
| NUEM Nuveen ESG Emerging Markets | 0.46% | 20,964 | $650K | Add +8.6% |
| JPM JPMorgan Chase & Co. | 0.46% | 3,044 | $642K | Add +7.5% |
| GOOGL Alphabet Inc. Class A | 0.45% | 3,834 | $636K | Add +0.5% |
| BGRN iShares Usd Green Bond ETF | 0.44% | 12,766 | $617K | Reduce -18.4% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.42% | 1,038 | $596K | Reduce -0.1% |
| META Meta Platforms Inc. Class A | 0.42% | 1,035 | $593K | Add +93.5% |
| HYXF iShares ESG Adv High Yield | 0.41% | 12,334 | $584K | Add +160.5% |
| NFLX Netflix Inc. | 0.40% | 793 | $562K | Add +14.4% |
| CVX Chevron Corp. | 0.33% | 3,172 | $467K | Add +2.4% |
| IYJ iShares U.S. Industrials ETF | 0.33% | 3,494 | $467K | Add +0.2% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.33% | 1,014 | $467K | No change |
| ESGV Vanguard ESG US Stock ETF | 0.30% | 4,223 | $429K | Reduce -15.1% |
| ESG NT Stoxx US ESG ETF | 0.29% | 3,019 | $410K | Add +0.3% |
| KO The Coca-Cola Co. | 0.27% | 5,215 | $375K | Add +0.1% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.26% | 1,365 | $360K | Add +0.6% |
| VTI VG Morningstar TS MKT ETF-US | 0.23% | 1,168 | $331K | Reduce -4.3% |
| SUSL iShares ESG MSCI USA Leaders | 0.23% | 3,180 | $323K | Reduce -19.8% |
| VYM Vanguard High DVD Yield ETF | 0.23% | 2,513 | $322K | Add +16.4% |
| COST Costco Wholesale Corp. | 0.23% | 363 | $322K | No change |
| DFAX Dimensional World Ex US Core | 0.21% | 11,022 | $298K | Add +0.6% |
| SPSB SS SPDR P St C Corp. ETF | 0.20% | 9,432 | $286K | Add +1.3% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.19% | 1,043 | $275K | Add +6.8% |
| IWB iShares Russell 1000 ETF | 0.19% | 865 | $272K | Reduce -6.4% |
| KKR KKR & Co. Inc. | 0.19% | 2,064 | $270K | No change |
| XLK SS Technology Select Sector | 0.19% | 1,161 | $262K | Add +0.1% |
| QQQ Invesco QQQ Trust Series 1 | 0.18% | 531 | $259K | Reduce -4.5% |
| VGT Vanguard Info Tech ETF | 0.17% | 408 | $240K | Reduce -5.3% |
| SCHM Schwab US Mid Cap ETF | 0.16% | 2,691 | $224K | Add +0.6% |
| PAY Paymentus Holdings Inc. Class A | 0.15% | 10,264 | $205K | New |
| EZM Wisdomtree US Midcap Fund | 0.14% | 3,231 | $201K | New |
Portfolio Sells Q2 2024 → Q3 2024
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -21.5% | 3.57% | −0.86 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -6.3% | 11.20% | −0.59 |
| IJH iShares Core S&P Midcap ETF | Reduce -8.0% | 5.95% | −0.49 |
| SPTS SS SPDR P St Term TSY ETF | Reduce -0.7% | 8.43% | −0.41 |
| SUSB iShares ESG Aware 1-5 Year U | Reduce -16.3% | 1.23% | −0.29 |
| XVV iShares ESG Select Screened | Reduce -6.3% | 2.92% | −0.22 |
| IDEV iShares Core MSCI Dev MKTS | Sold out | 0.00% | −0.20 |
| VSGX Vanguard ESG Intl Stock ETF | Sold out | 0.00% | −0.18 |
| SIMS SS SPDR S&P Kensho Is ETF | Sold out | 0.00% | −0.16 |
| BGRN iShares Usd Green Bond ETF | Reduce -18.4% | 0.44% | −0.11 |
| AMZN Amazon.com Inc. | Reduce -0.1% | 1.07% | −0.11 |
| VOO Vanguard S&P 500 ETF | Reduce -1.5% | 5.21% | −0.11 |
| IVV iShares Core S&P 500 ETF | Reduce -11.5% | 0.67% | −0.09 |
| MSFT Microsoft Corp. | Reduce -0.9% | 0.76% | −0.08 |
| SUSL iShares ESG MSCI USA Leaders | Reduce -19.8% | 0.23% | −0.06 |
| ESGV Vanguard ESG US Stock ETF | Reduce -15.1% | 0.30% | −0.06 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -0.6% | 1.14% | −0.04 |
| DFAC Dimensional US Core Equity 2 | Reduce -4.2% | 0.50% | −0.02 |
| VGT Vanguard Info Tech ETF | Reduce -5.3% | 0.17% | −0.02 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -4.5% | 0.18% | −0.02 |
| IWB iShares Russell 1000 ETF | Reduce -6.4% | 0.19% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -4.3% | 0.23% | −0.01 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -0.1% | 0.42% | −0.00 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.5% | 0.76% | +0.01 |
Portfolio Buys Q2 2024 → Q3 2024
| FLRN SS SPDR BB Ig Float RT ETF | Add +63.4% | 3.63% | +1.27 |
| DFAT Dimensional US Target Value | Add +7.2% | 6.21% | +0.48 |
| SPEM State Street SP PTF Em ETF | Add +1.6% | 6.50% | +0.31 |
| HYXF iShares ESG Adv High Yield | Add +160.5% | 0.41% | +0.25 |
| SPAB SS SPDR P Agg Bond ETF | Add +11.4% | 2.61% | +0.22 |
| META Meta Platforms Inc. Class A | Add +93.5% | 0.42% | +0.22 |
| NULV Nuveen ESG Large-Cap Val ETF | Add +42.7% | 0.58% | +0.19 |
| VCIT Vanguard Int-Term Corporate | Add +8.9% | 2.62% | +0.18 |
| AAPL Apple Inc. | Add +1.1% | 2.95% | +0.15 |
| PAY Paymentus Holdings Inc. Class A | New | 0.15% | +0.15 |
| EZM Wisdomtree US Midcap Fund | New | 0.14% | +0.14 |
| NUDM Nuveen ESG Intl Devel MRK Eq | Add +2.7% | 2.57% | +0.11 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +12.0% | 1.13% | +0.10 |
| EAGG iShares ESG Aware US Aggrega | Add +8.4% | 1.35% | +0.08 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +3.8% | 1.30% | +0.08 |
| XJH Ishare ESG SS S&P Midcap ETF | Add +12.8% | 0.55% | +0.07 |
| NFLX Netflix Inc. | Add +14.4% | 0.40% | +0.05 |
| NUEM Nuveen ESG Emerging Markets | Add +8.6% | 0.46% | +0.04 |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | Add +0.8% | 0.85% | +0.04 |
| VYM Vanguard High DVD Yield ETF | Add +16.4% | 0.23% | +0.04 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +2.7% | 0.92% | +0.03 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Add +3.7% | 1.01% | +0.03 |
| JPM JPMorgan Chase & Co. | Add +7.5% | 0.46% | +0.02 |
| IYJ iShares U.S. Industrials ETF | Add +0.2% | 0.33% | +0.02 |
| KO The Coca-Cola Co. | Add +0.1% | 0.27% | +0.02 |
| VIG Vanguard Dividend Apprec ETF | Add +0.9% | 0.48% | +0.02 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +6.8% | 0.19% | +0.01 |
| VHT Vanguard Health Care ETF | Add +1.1% | 0.76% | +0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +0.6% | 0.26% | +0.01 |
| SCHM Schwab US Mid Cap ETF | Add +0.6% | 0.16% | +0.00 |
| DFAX Dimensional World Ex US Core | Add +0.6% | 0.21% | +0.00 |
| ESG NT Stoxx US ESG ETF | Add +0.3% | 0.29% | +0.00 |
| SPSB SS SPDR P St C Corp. ETF | Add +1.3% | 0.20% | −0.01 |
| IAGG iShares Intl Aggregate Bond | Add +1.1% | 0.96% | −0.01 |
| XLK SS Technology Select Sector | Add +0.1% | 0.19% | −0.01 |
| NVDA Nvidia Corp. | Add +4.8% | 0.82% | −0.02 |
| CVX Chevron Corp. | Add +2.4% | 0.33% | −0.03 |
| IYW iShares Ustechnology ETF | Add +0.1% | 0.66% | −0.03 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +2.5% | 9.67% | −0.06 |
| GOOGL Alphabet Inc. Class A | Add +0.5% | 0.45% | −0.07 |
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 |