Better Money Decisions, LLC
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 10, 2025), Better Money Decisions, LLC reported 68 stock positions worth $149.8 million. Its top holding was iShares 1-5Y Inv Grade (IGSB) at 10.0% of the portfolio, followed by iShares Core MSCI Eafe ETF (IEFA, 9.9%) and SS SPDR P St Term TSY ETF (SPTS, 9.4%). Compared with Q4 2024, it opened 4 new positions, sold out of 3, added to 38 and reduced 23. The biggest buy was a new position in iShares Core US REIT ETF (USRT) and the biggest sale Vanguard S&P 500 ETF (VOO, shares −8%).
- Most Recent 13F
- Q2 2025
- Location
- Santa Fe, NM
- CIK
- 0001858428
- Portfolio Value
- $149.8M (Q1 2025)
- SEC Filing
- 0001667731-25-000409 ↗ filed Apr 10, 2025
Holdings Value
Holdings 68 stocks · $149.8M
| IGSB iShares 1-5Y Inv Grade Corp. | 10.00% | 285,967 | $15.0M | Add +6.6% |
| IEFA iShares Core MSCI Eafe ETF | 9.88% | 195,657 | $14.8M | Add +3.3% |
| SPTS SS SPDR P St Term TSY ETF | 9.37% | 480,187 | $14.0M | Add +3.2% |
| SPEM State Street SP PTF Em ETF | 6.63% | 252,371 | $9.9M | Add +2.3% |
| DFAT Dimensional US Target Value | 6.11% | 177,859 | $9.2M | Add +0.9% |
| IJH iShares Core S&P Midcap ETF | 5.28% | 135,662 | $7.9M | Reduce -1.2% |
| VOO Vanguard S&P 500 ETF | 4.52% | 13,182 | $6.8M | Reduce -8.2% |
| FLRN SS SPDR BB Ig Float RT ETF | 3.94% | 191,311 | $5.9M | Add +11.6% |
| AAPL Apple Inc. | 2.96% | 19,999 | $4.4M | Add +20.9% |
| SPAB SS SPDR P Agg Bond ETF | 2.93% | 171,888 | $4.4M | Add +0.3% |
| VB Vanguard Most SM-Cap ETF-Usd | 2.83% | 19,115 | $4.2M | Add +1.7% |
| VCIT Vanguard Int-Term Corporate | 2.80% | 51,234 | $4.2M | Add +8.7% |
| NUDM Nuveen ESG Intl Devel MRK Eq | 2.63% | 123,919 | $3.9M | Add +12.5% |
| XVV iShares ESG Select Screened | 2.48% | 86,777 | $3.7M | Reduce -7.4% |
| USRT iShares Core US REIT ETF | 1.60% | 41,510 | $2.4M | New |
| EAGG iShares ESG Aware US Aggrega | 1.37% | 43,217 | $2.1M | Add +8.8% |
| SPYV SS SPDR P S&P 500 Value ETF | 1.21% | 35,585 | $1.8M | Reduce -6.7% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 1.15% | 21,821 | $1.7M | Reduce -4.5% |
| SUSB iShares ESG Aware 1-5 Year U | 1.12% | 67,397 | $1.7M | Add +3.6% |
| IAGG iShares Intl Aggregate Bond | 0.92% | 27,650 | $1.4M | Reduce -1.0% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.88% | 36,284 | $1.3M | Add +0.1% |
| MSFT Microsoft Corp. | 0.87% | 3,477 | $1.3M | Add +26.0% |
| AMZN Amazon.com Inc. | 0.86% | 6,797 | $1.3M | Reduce -0.4% |
| SPTM SS SPDR P S&P 1500 Comp ETF | 0.84% | 18,551 | $1.3M | Reduce -3.6% |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | 0.83% | 32,981 | $1.2M | Add +13.9% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.82% | 15,213 | $1.2M | Add +6.2% |
| NVDA Nvidia Corp. | 0.72% | 9,962 | $1.1M | Reduce -8.4% |
| HYXF iShares ESG Adv High Yield | 0.69% | 22,441 | $1.0M | Add +44.2% |
| VHT Vanguard Health Care ETF | 0.69% | 3,882 | $1.0M | Reduce -0.6% |
| IJR iShares Core S&P Small-Cap E | 0.66% | 9,398 | $983K | Add +7.9% |
| IVV iShares Core S&P 500 ETF | 0.65% | 1,744 | $980K | Add +7.2% |
| IYW iShares Ustechnology ETF | 0.59% | 6,270 | $881K | Add +0.1% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.54% | 20,893 | $816K | Add +12.3% |
| NULV Nuveen ESG Large-Cap Val ETF | 0.54% | 19,831 | $803K | Reduce -3.0% |
| NUEM Nuveen ESG Emerging Markets | 0.52% | 26,857 | $786K | Add +9.5% |
| BGRN iShares Usd Green Bond ETF | 0.50% | 15,750 | $746K | Add +4.3% |
| JPM JPMorgan Chase & Co. | 0.48% | 2,953 | $724K | Reduce -16.5% |
| VIG Vanguard Dividend Apprec ETF | 0.43% | 3,323 | $645K | Add +0.5% |
| GOOGL Alphabet Inc. Class A | 0.43% | 4,120 | $637K | Reduce -1.7% |
| NFLX Netflix Inc. | 0.42% | 669 | $624K | Reduce -1.2% |
| DFAC Dimensional US Core Equity 2 | 0.42% | 18,871 | $623K | Reduce -7.7% |
| VTI VG Morningstar TS MKT ETF-US | 0.40% | 2,199 | $604K | Add +100.8% |
| VYM Vanguard High DVD Yield ETF | 0.39% | 4,501 | $580K | Reduce -13.1% |
| TOST Toast Inc. Class A | 0.36% | 16,403 | $544K | New |
| PHYL Pgim Active High Yield Bond | 0.34% | 14,692 | $512K | Add +11.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.34% | 946 | $504K | Reduce -6.7% |
| CVX Chevron Corp. | 0.34% | 3,011 | $504K | Reduce -5.3% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.31% | 5,864 | $463K | Add +60.2% |
| IYJ iShares U.S. Industrials ETF | 0.31% | 3,511 | $457K | Add +0.2% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.30% | 1,726 | $446K | Add +25.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.28% | 739 | $413K | Reduce -28.9% |
| ESGV Vanguard ESG US Stock ETF | 0.27% | 4,196 | $411K | Reduce -0.9% |
| ESG NT Stoxx US ESG ETF | 0.27% | 3,036 | $408K | Add +0.2% |
| META Meta Platforms Inc. Class A | 0.27% | 704 | $406K | Reduce -1.4% |
| VEA Vanguard Ftse Developed ETF | 0.27% | 7,958 | $405K | New |
| SPSB SS SPDR P St C Corp. ETF | 0.26% | 12,781 | $385K | No change |
| COST Costco Wholesale Corp. | 0.24% | 383 | $362K | Add +5.5% |
| LOW Lowe's Cos Inc. | 0.23% | 1,455 | $339K | New |
| KO The Coca-Cola Co. | 0.21% | 4,426 | $317K | Reduce -15.2% |
| DES Wisdomtree US Smallcap Divid | 0.20% | 9,580 | $306K | Add +4.9% |
| DFAX Dimensional World Ex US Core | 0.20% | 11,154 | $292K | Add +0.3% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.19% | 1,107 | $285K | Reduce -4.7% |
| SUSL iShares ESG MSCI USA Leaders | 0.18% | 2,805 | $269K | Add +0.3% |
| QQQ Invesco QQQ Trust Series 1 | 0.16% | 524 | $245K | No change |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.15% | 1,376 | $221K | Add +2.0% |
| VGT Vanguard Info Tech ETF | 0.14% | 400 | $217K | Add +18.7% |
| KKR KKR & Co. Inc. | 0.14% | 1,872 | $216K | No change |
| SCHM Schwab US Mid Cap ETF | 0.14% | 8,123 | $213K | Add +0.3% |
Portfolio Sells Q4 2024 → Q1 2025
| VOO Vanguard S&P 500 ETF | Reduce -8.2% | 4.52% | −0.84 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.2% | 5.28% | −0.65 |
| XVV iShares ESG Select Screened | Reduce -7.4% | 2.48% | −0.46 |
| NVDA Nvidia Corp. | Reduce -8.4% | 0.72% | −0.29 |
| XLK SS Technology Select Sector | Sold out | 0.00% | −0.18 |
| AMZN Amazon.com Inc. | Reduce -0.4% | 0.86% | −0.17 |
| TSM Taiwan Semiconductor-SP ADR | Sold out | 0.00% | −0.16 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -28.9% | 0.28% | −0.15 |
| V Visa Inc. Class A | Sold out | 0.00% | −0.14 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -6.7% | 1.21% | −0.14 |
| GOOGL Alphabet Inc. Class A | Reduce -1.7% | 0.43% | −0.12 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Reduce -3.6% | 0.84% | −0.11 |
| JPM JPMorgan Chase & Co. | Reduce -16.5% | 0.48% | −0.10 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Reduce -4.5% | 1.15% | −0.10 |
| DFAC Dimensional US Core Equity 2 | Reduce -7.7% | 0.42% | −0.07 |
| VYM Vanguard High DVD Yield ETF | Reduce -13.1% | 0.39% | −0.07 |
| IAGG iShares Intl Aggregate Bond | Reduce -1.0% | 0.92% | −0.04 |
| ESGV Vanguard ESG US Stock ETF | Reduce -0.9% | 0.27% | −0.03 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -4.7% | 0.19% | −0.03 |
| NULV Nuveen ESG Large-Cap Val ETF | Reduce -3.0% | 0.54% | −0.02 |
| META Meta Platforms Inc. Class A | Reduce -1.4% | 0.27% | −0.02 |
| KO The Coca-Cola Co. | Reduce -15.2% | 0.21% | −0.01 |
| NFLX Netflix Inc. | Reduce -1.2% | 0.42% | −0.00 |
| VHT Vanguard Health Care ETF | Reduce -0.6% | 0.69% | −0.00 |
| CVX Chevron Corp. | Reduce -5.3% | 0.34% | +0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -6.7% | 0.34% | +0.02 |
Portfolio Buys Q4 2024 → Q1 2025
| USRT iShares Core US REIT ETF | New | 1.60% | +1.60 |
| IEFA iShares Core MSCI Eafe ETF | Add +3.3% | 9.88% | +0.65 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +6.6% | 10.00% | +0.38 |
| TOST Toast Inc. Class A | New | 0.36% | +0.36 |
| NUDM Nuveen ESG Intl Devel MRK Eq | Add +12.5% | 2.63% | +0.34 |
| FLRN SS SPDR BB Ig Float RT ETF | Add +11.6% | 3.94% | +0.28 |
| VEA Vanguard Ftse Developed ETF | New | 0.27% | +0.27 |
| LOW Lowe's Cos Inc. | New | 0.23% | +0.23 |
| HYXF iShares ESG Adv High Yield | Add +44.2% | 0.69% | +0.20 |
| VTI VG Morningstar TS MKT ETF-US | Add +100.8% | 0.40% | +0.18 |
| VCIT Vanguard Int-Term Corporate | Add +8.7% | 2.80% | +0.17 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +60.2% | 0.31% | +0.11 |
| AAPL Apple Inc. | Add +20.9% | 2.96% | +0.10 |
| EAGG iShares ESG Aware US Aggrega | Add +8.8% | 1.37% | +0.09 |
| SPEM State Street SP PTF Em ETF | Add +2.3% | 6.63% | +0.08 |
| MSFT Microsoft Corp. | Add +26.0% | 0.87% | +0.07 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +25.5% | 0.30% | +0.05 |
| NUEM Nuveen ESG Emerging Markets | Add +9.5% | 0.52% | +0.03 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +0.1% | 0.88% | +0.03 |
| PHYL Pgim Active High Yield Bond | Add +11.7% | 0.34% | +0.02 |
| SPTS SS SPDR P St Term TSY ETF | Add +3.2% | 9.37% | +0.02 |
| COST Costco Wholesale Corp. | Add +5.5% | 0.24% | +0.01 |
| SUSB iShares ESG Aware 1-5 Year U | Add +3.6% | 1.12% | +0.01 |
| BGRN iShares Usd Green Bond ETF | Add +4.3% | 0.50% | +0.01 |
| XJH Ishare ESG SS S&P Midcap ETF | Add +12.3% | 0.54% | +0.01 |
| DFAX Dimensional World Ex US Core | Add +0.3% | 0.20% | +0.00 |
| XJR Ishr ESG SS S&P Smal-Cap-Usd | Add +13.9% | 0.83% | +0.00 |
| VGT Vanguard Info Tech ETF | Add +18.7% | 0.14% | −0.00 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +2.0% | 0.15% | −0.00 |
| IVV iShares Core S&P 500 ETF | Add +7.2% | 0.65% | −0.01 |
| DES Wisdomtree US Smallcap Divid | Add +4.9% | 0.20% | −0.01 |
| SCHM Schwab US Mid Cap ETF | Add +0.3% | 0.14% | −0.01 |
| ESG NT Stoxx US ESG ETF | Add +0.2% | 0.27% | −0.02 |
| VIG Vanguard Dividend Apprec ETF | Add +0.5% | 0.43% | −0.02 |
| IYJ iShares U.S. Industrials ETF | Add +0.2% | 0.31% | −0.02 |
| SUSL iShares ESG MSCI USA Leaders | Add +0.3% | 0.18% | −0.02 |
| SPAB SS SPDR P Agg Bond ETF | Add +0.3% | 2.93% | −0.04 |
| IJR iShares Core S&P Small-Cap E | Add +7.9% | 0.66% | −0.04 |
| SPYG SS SPDR P S&P 500 Growth ETF | Add +6.2% | 0.82% | −0.06 |
| IYW iShares Ustechnology ETF | Add +0.1% | 0.59% | −0.10 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +1.7% | 2.83% | −0.30 |
| DFAT Dimensional US Target Value | Add +0.9% | 6.11% | −0.68 |
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 |