Better Money Decisions, LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 24, 2025), Better Money Decisions, LLC reported 67 stock positions worth $144.3 million. Its top holding was iShares 1-5Y Inv Grade (IGSB) at 9.6% of the portfolio, followed by SS SPDR P St Term TSY ETF (SPTS, 9.4%) and iShares Core MSCI Eafe ETF (IEFA, 9.2%). Compared with Q3 2024, it opened 6 new positions, sold out of 3, added to 41 and reduced 18. The biggest buy was SS SPDR P St Term TSY ETF (SPTS, shares +15%) and the biggest sale iShares Core MSCI Eafe ETF (IEFA, shares −6%).
- Most Recent 13F
- Q2 2025
- Location
- Santa Fe, NM
- CIK
- 0001858428
- Portfolio Value
- $144.3M (Q4 2024)
- SEC Filing
- 0001667731-25-000121 ↗ filed Jan 24, 2025
Holdings Value
Holdings 67 stocks · $144.3M
| IGSB iShares 1-5Y Inv Grade Corp. | 9.61% | 268,340 | $13.9M | Add +3.6% |
| SPTS SS SPDR P St Term TSY ETF | 9.35% | 465,167 | $13.5M | Add +15.1% |
| IEFA iShares Core MSCI Eafe ETF | 9.23% | 189,442 | $13.3M | Reduce -6.3% |
| DFAT Dimensional US Target Value | 6.80% | 176,231 | $9.8M | Add +12.0% |
| SPEM State Street SP PTF Em ETF | 6.56% | 246,604 | $9.5M | Add +11.1% |
| IJH iShares Core S&P Midcap ETF | 5.93% | 137,362 | $8.6M | Add +2.1% |
| VOO Vanguard S&P 500 ETF | 5.36% | 14,358 | $7.7M | Add +3.1% |
| FLRN SS SPDR BB Ig Float RT ETF | 3.65% | 171,503 | $5.3M | Add +3.5% |
| VB Vanguard Most SM-Cap ETF-Usd | 3.13% | 18,793 | $4.5M | Reduce -11.5% |
| SPAB SS SPDR P Agg Bond ETF | 2.97% | 171,324 | $4.3M | Add +21.9% |
| XVV iShares ESG Select Screened | 2.94% | 93,750 | $4.2M | Add +0.8% |
| AAPL Apple Inc. | 2.87% | 16,541 | $4.1M | Reduce -7.3% |
| VCIT Vanguard Int-Term Corporate | 2.62% | 47,137 | $3.8M | Add +6.8% |
| NUDM Nuveen ESG Intl Devel MRK Eq | 2.29% | 110,129 | $3.3M | Add +2.1% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.35% | 38,118 | $1.9M | Add +9.7% |
| EAGG iShares ESG Aware US Aggrega | 1.28% | 39,708 | $1.8M | Add +1.1% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 1.25% | 22,847 | $1.8M | Add +15.2% |
| SUSB iShares ESG Aware 1-5 Year U | 1.11% | 65,054 | $1.6M | Reduce -5.3% |
| AMZN Amazon.com Inc. | 1.04% | 6,822 | $1.5M | Reduce -16.0% |
| NVDA Nvidia Corp. | 1.01% | 10,871 | $1.5M | Add +14.5% |
| IAGG iShares Intl Aggregate Bond | 0.97% | 27,927 | $1.4M | Add +6.8% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 0.95% | 19,239 | $1.4M | Reduce -5.5% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.87% | 14,331 | $1.3M | Reduce -26.2% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.86% | 36,229 | $1.2M | Add +4.8% |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | 0.83% | 28,955 | $1.2M | Add +1.5% |
| MSFT Microsoft Corp. | 0.81% | 2,759 | $1.2M | Add +11.5% |
| IJR iShares Core S&P Small-Cap E | 0.70% | 8,712 | $1.0M | Reduce -5.5% |
| IYW iShares Ustechnology ETF | 0.69% | 6,267 | $1000K | Add +2.0% |
| VHT Vanguard Health Care ETF | 0.69% | 3,904 | $990K | Add +2.3% |
| IVV iShares Core S&P 500 ETF | 0.66% | 1,627 | $958K | Reduce -0.7% |
| JPM JPMorgan Chase & Co. | 0.59% | 3,535 | $847K | Add +16.1% |
| NULV Nuveen ESG Large-Cap Val ETF | 0.56% | 20,449 | $805K | Add +5.0% |
| GOOGL Alphabet Inc. Class A | 0.55% | 4,191 | $793K | Add +9.3% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.54% | 18,597 | $778K | Add +2.1% |
| HYXF iShares ESG Adv High Yield | 0.50% | 15,566 | $719K | Add +26.2% |
| NUEM Nuveen ESG Emerging Markets | 0.49% | 24,519 | $712K | Add +17.0% |
| DFAC Dimensional US Core Equity 2 | 0.49% | 20,434 | $707K | Add +0.4% |
| BGRN iShares Usd Green Bond ETF | 0.49% | 15,094 | $704K | Add +18.2% |
| VYM Vanguard High DVD Yield ETF | 0.46% | 5,181 | $661K | Add +106.2% |
| VIG Vanguard Dividend Apprec ETF | 0.45% | 3,307 | $648K | Reduce -4.2% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.42% | 1,039 | $609K | Add +0.1% |
| NFLX Netflix Inc. | 0.42% | 677 | $603K | Reduce -14.6% |
| IYJ iShares U.S. Industrials ETF | 0.32% | 3,504 | $468K | Add +0.3% |
| CVX Chevron Corp. | 0.32% | 3,181 | $461K | Add +0.3% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.32% | 1,014 | $460K | No change |
| PHYL Pgim Active High Yield Bond | 0.32% | 13,150 | $457K | New |
| ESGV Vanguard ESG US Stock ETF | 0.31% | 4,234 | $444K | Add +0.3% |
| META Meta Platforms Inc. Class A | 0.29% | 714 | $418K | Reduce -31.0% |
| ESG NT Stoxx US ESG ETF | 0.29% | 3,030 | $417K | Add +0.4% |
| SPSB SS SPDR P St C Corp. ETF | 0.26% | 12,781 | $382K | Add +35.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.25% | 1,375 | $363K | Add +0.7% |
| COST Costco Wholesale Corp. | 0.23% | 363 | $333K | No change |
| KO The Coca-Cola Co. | 0.23% | 5,216 | $325K | Add +0.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.22% | 1,095 | $317K | Reduce -6.3% |
| DES Wisdomtree US Smallcap Divid | 0.22% | 9,134 | $314K | New |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.22% | 1,162 | $313K | Add +11.4% |
| SUSL iShares ESG MSCI USA Leaders | 0.20% | 2,797 | $288K | Reduce -12.0% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.20% | 3,661 | $286K | New |
| KKR KKR & Co. Inc. | 0.19% | 1,872 | $277K | Reduce -9.3% |
| DFAX Dimensional World Ex US Core | 0.19% | 11,126 | $277K | Add +0.9% |
| QQQ Invesco QQQ Trust Series 1 | 0.19% | 524 | $268K | Reduce -1.3% |
| XLK SS Technology Select Sector | 0.18% | 1,103 | $256K | Reduce -5.0% |
| TSM Taiwan Semiconductor-SP ADR | 0.16% | 1,179 | $233K | New |
| SCHM Schwab US Mid Cap ETF | 0.16% | 8,102 | $225K | Add +0.4% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.15% | 1,349 | $218K | New |
| VGT Vanguard Info Tech ETF | 0.15% | 337 | $209K | Reduce -17.4% |
| V Visa Inc. Class A | 0.14% | 656 | $207K | New |
Portfolio Sells Q3 2024 → Q4 2024
| IEFA iShares Core MSCI Eafe ETF | Reduce -6.3% | 9.23% | −1.97 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -11.5% | 3.13% | −0.44 |
| SPYG SS SPDR P S&P 500 Growth ETF | Reduce -26.2% | 0.87% | −0.27 |
| IWB iShares Russell 1000 ETF | Sold out | 0.00% | −0.19 |
| PAY Paymentus Holdings Inc. Class A | Sold out | 0.00% | −0.15 |
| EZM Wisdomtree US Midcap Fund | Sold out | 0.00% | −0.14 |
| META Meta Platforms Inc. Class A | Reduce -31.0% | 0.29% | −0.13 |
| SUSB iShares ESG Aware 1-5 Year U | Reduce -5.3% | 1.11% | −0.11 |
| AAPL Apple Inc. | Reduce -7.3% | 2.87% | −0.08 |
| IJR iShares Core S&P Small-Cap E | Reduce -5.5% | 0.70% | −0.07 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -5.5% | 0.95% | −0.06 |
| VIG Vanguard Dividend Apprec ETF | Reduce -4.2% | 0.45% | −0.04 |
| AMZN Amazon.com Inc. | Reduce -16.0% | 1.04% | −0.04 |
| SUSL iShares ESG MSCI USA Leaders | Reduce -12.0% | 0.20% | −0.03 |
| VGT Vanguard Info Tech ETF | Reduce -17.4% | 0.15% | −0.02 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -6.3% | 0.22% | −0.01 |
| XLK SS Technology Select Sector | Reduce -5.0% | 0.18% | −0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -0.7% | 0.66% | −0.01 |
| KKR KKR & Co. Inc. | Reduce -9.3% | 0.19% | +0.00 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -1.3% | 0.19% | +0.00 |
| NFLX Netflix Inc. | Reduce -14.6% | 0.42% | +0.02 |
Portfolio Buys Q3 2024 → Q4 2024
| SPTS SS SPDR P St Term TSY ETF | Add +15.1% | 9.35% | +0.92 |
| DFAT Dimensional US Target Value | Add +12.0% | 6.80% | +0.59 |
| SPAB SS SPDR P Agg Bond ETF | Add +21.9% | 2.97% | +0.36 |
| PHYL Pgim Active High Yield Bond | New | 0.32% | +0.32 |
| VYM Vanguard High DVD Yield ETF | Add +106.2% | 0.46% | +0.23 |
| DES Wisdomtree US Smallcap Divid | New | 0.22% | +0.22 |
| VCSH Vanguard S/T Corp. Bond ETF | New | 0.20% | +0.20 |
| NVDA Nvidia Corp. | Add +14.5% | 1.01% | +0.19 |
| TSM Taiwan Semiconductor-SP ADR | New | 0.16% | +0.16 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | New | 0.15% | +0.15 |
| VOO Vanguard S&P 500 ETF | Add +3.1% | 5.36% | +0.15 |
| V Visa Inc. Class A | New | 0.14% | +0.14 |
| JPM JPMorgan Chase & Co. | Add +16.1% | 0.59% | +0.13 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +15.2% | 1.25% | +0.12 |
| GOOGL Alphabet Inc. Class A | Add +9.3% | 0.55% | +0.10 |
| HYXF iShares ESG Adv High Yield | Add +26.2% | 0.50% | +0.08 |
| SPSB SS SPDR P St C Corp. ETF | Add +35.5% | 0.26% | +0.06 |
| SPEM State Street SP PTF Em ETF | Add +11.1% | 6.56% | +0.06 |
| MSFT Microsoft Corp. | Add +11.5% | 0.81% | +0.05 |
| BGRN iShares Usd Green Bond ETF | Add +18.2% | 0.49% | +0.05 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +9.7% | 1.35% | +0.05 |
| NUEM Nuveen ESG Emerging Markets | Add +17.0% | 0.49% | +0.03 |
| IYW iShares Ustechnology ETF | Add +2.0% | 0.69% | +0.03 |
| XVV iShares ESG Select Screened | Add +0.8% | 2.94% | +0.03 |
| FLRN SS SPDR BB Ig Float RT ETF | Add +3.5% | 3.65% | +0.03 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +11.4% | 0.22% | +0.02 |
| IAGG iShares Intl Aggregate Bond | Add +6.8% | 0.97% | +0.01 |
| ESGV Vanguard ESG US Stock ETF | Add +0.3% | 0.31% | +0.00 |
| VCIT Vanguard Int-Term Corporate | Add +6.8% | 2.62% | −0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +0.1% | 0.42% | −0.00 |
| ESG NT Stoxx US ESG ETF | Add +0.4% | 0.29% | −0.00 |
| SCHM Schwab US Mid Cap ETF | Add +0.4% | 0.16% | −0.00 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +0.7% | 0.25% | −0.00 |
| DFAC Dimensional US Core Equity 2 | Add +0.4% | 0.49% | −0.01 |
| XJH Ishare ESG SS S&P Midcap ETF | Add +2.1% | 0.54% | −0.01 |
| IYJ iShares U.S. Industrials ETF | Add +0.3% | 0.32% | −0.01 |
| CVX Chevron Corp. | Add +0.3% | 0.32% | −0.01 |
| IJH iShares Core S&P Midcap ETF | Add +2.1% | 5.93% | −0.02 |
| NULV Nuveen ESG Large-Cap Val ETF | Add +5.0% | 0.56% | −0.02 |
| DFAX Dimensional World Ex US Core | Add +0.9% | 0.19% | −0.02 |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | Add +1.5% | 0.83% | −0.02 |
| KO The Coca-Cola Co. | Add +0.0% | 0.23% | −0.04 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +3.6% | 9.61% | −0.06 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +4.8% | 0.86% | −0.06 |
| EAGG iShares ESG Aware US Aggrega | Add +1.1% | 1.28% | −0.08 |
| VHT Vanguard Health Care ETF | Add +2.3% | 0.69% | −0.08 |
| NUDM Nuveen ESG Intl Devel MRK Eq | Add +2.1% | 2.29% | −0.28 |
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 |