ERn Financial, LLC
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 15, 2024), ERn Financial, LLC reported 187 stock positions worth $657.3 million. Its top holding was Vanguard S&P 500 Growth ETF (VOOG) at 6.2% of the portfolio, followed by Invesco S&P 500 Revenue ETF (RWL, 5.9%) and SS SPDR P S&P 500 Growth ETF (SPYG, 5.2%). Compared with Q2 2024, it opened 14 new positions, sold out of 4, added to 90 and reduced 74. The biggest buy was Dimensional Core Fixed (DFCF, shares +111%) and the biggest sale Invesco Russell 1000 DYN M/F (OMFL, shares −13%).
- Most Recent 13F
- Q2 2026
- Location
- MIDDLETON, WI
- CIK
- 0001768302
- Portfolio Value
- $657.3M (Q3 2024)
- SEC Filing
- 0001768302-24-000008 ↗ filed Oct 15, 2024
Holdings Value
Holdings 187 stocks · $657.3M
| VOOG Vanguard S&P 500 Growth ETF | 6.22% | 118,427 | $40.9M | Add +3.0% |
| RWL Invesco S&P 500 Revenue ETF | 5.92% | 396,549 | $38.9M | Add +3.0% |
| SPYG SS SPDR P S&P 500 Growth ETF | 5.24% | 415,636 | $34.5M | Add +5.4% |
| SPYV SS SPDR P S&P 500 Value ETF | 4.20% | 522,253 | $27.6M | Add +7.5% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.71% | 649,180 | $24.4M | Add +5.0% |
| VEA Vanguard Ftse Developed ETF | 3.46% | 431,271 | $22.8M | Add +2.6% |
| MDYV SS SPDR S&P 400 MC Val ETF | 2.60% | 214,987 | $17.1M | Reduce -0.7% |
| OMFL Invesco Russell 1000 DYN M/F | 2.59% | 321,199 | $17.0M | Reduce -12.7% |
| SPEM State Street SP PTF Em ETF | 2.47% | 392,585 | $16.2M | Add +0.6% |
| USTB Victoryshares Short-Term Bon | 2.26% | 292,859 | $14.9M | Add +3.3% |
| JHMM John Hancock Multi Fact Mid | 2.15% | 234,840 | $14.1M | Add +2.8% |
| FMB First Trust Managed Municipa | 2.10% | 265,943 | $13.8M | Add +6.0% |
| QUAL iShares MSCI USA Quality Fac | 1.76% | 64,608 | $11.6M | Reduce -0.7% |
| AVEM Avantis Emerging Markets Eq | 1.74% | 177,320 | $11.5M | Add +4.6% |
| REET iShares Global REIT ETF | 1.74% | 427,448 | $11.4M | Reduce -1.4% |
| IEFA iShares Core MSCI Eafe ETF | 1.72% | 145,040 | $11.3M | Add +7.3% |
| USRT iShares Core US REIT ETF | 1.70% | 181,723 | $11.2M | Add +0.7% |
| DFAX Dimensional World Ex US Core | 1.57% | 382,507 | $10.3M | Add +2.5% |
| AAPL Apple Inc. | 1.52% | 42,986 | $10.0M | Add +2.9% |
| MDYG SS SPDR S&P 400 MC GR ETF | 1.44% | 107,865 | $9.5M | Add +5.1% |
| DFCF Dimensional Core Fixed Inc. | 1.42% | 216,858 | $9.4M | Add +110.7% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.32% | 22,675 | $8.7M | Reduce -0.4% |
| JCPB JPMorgan Core Plus Bond ETF | 1.27% | 172,632 | $8.3M | Add +3.0% |
| HTAB Hartford Schroders Tax Aware | 1.26% | 419,260 | $8.3M | Add +1.7% |
| HMOP Hartford Municipal Opp ETF | 1.22% | 203,918 | $8.0M | Reduce -0.4% |
| SLYG SS SPDR S&P 600 SC GR ETF | 1.09% | 76,665 | $7.1M | Add +1.3% |
| EFA iShares MSCI Eafe ETF | 0.99% | 77,534 | $6.5M | Add +0.1% |
| IJR iShares Core S&P Small-Cap E | 0.96% | 54,157 | $6.3M | Reduce -1.2% |
| VONG Vanguard Russell 1000 Growth | 0.93% | 63,409 | $6.1M | Add +1.5% |
| PVAL Putnam Focused LRG Cap Value | 0.92% | 158,538 | $6.0M | Add +33.4% |
| FDG American Century Focused DYN | 0.89% | 63,066 | $5.8M | Add +0.3% |
| VOO Vanguard S&P 500 ETF | 0.88% | 10,980 | $5.8M | Reduce -0.8% |
| SPIP SS SPDR P Tips ETF | 0.87% | 218,791 | $5.7M | Add +4.4% |
| FIXD First Trust Smith Opportunis | 0.87% | 126,572 | $5.7M | Reduce -11.2% |
| NVDA Nvidia Corp. | 0.86% | 46,664 | $5.7M | Add +2.4% |
| SPAB SS SPDR P Agg Bond ETF | 0.84% | 212,237 | $5.5M | Reduce -7.3% |
| MSFT Microsoft Corp. | 0.82% | 12,571 | $5.4M | Add +1.1% |
| AVUV Avantis US Small Cap Value | 0.82% | 56,179 | $5.4M | Add +6.0% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.69% | 66,817 | $4.5M | Add +2.7% |
| DFAI Dimensional International Co. | 0.67% | 139,362 | $4.4M | Reduce -4.2% |
| AMZN Amazon.com Inc. | 0.55% | 19,279 | $3.6M | Add +2.1% |
| PYLD PIMCO Multisector Bond Actv | 0.54% | 134,194 | $3.6M | Add +44.0% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.54% | 20,470 | $3.6M | Add +10.7% |
| TSLA Tesla Inc. | 0.54% | 13,630 | $3.6M | Add +0.2% |
| SPGP Invesco S&P 500 Garp ETF | 0.52% | 32,381 | $3.4M | Add +1.8% |
| FNOV FT Vest US Equity Buffer ETF | 0.47% | 66,181 | $3.1M | Reduce -7.0% |
| JHML John Hancock Multi Fact LRG | 0.47% | 44,235 | $3.1M | Add +9.3% |
| FVD First Trust Value Line DVD | 0.46% | 66,294 | $3.0M | Reduce -2.4% |
| DFAU Dimensional US Core Equity M | 0.46% | 75,808 | $3.0M | Reduce -16.8% |
| FTCS First Trust Capital Strength | 0.46% | 33,046 | $3.0M | Reduce -2.3% |
| GOOGL Alphabet Inc. Class A | 0.44% | 17,274 | $2.9M | Add +1.6% |
| FOCT FT Vest U.S. Equity Buffer E | 0.43% | 66,372 | $2.8M | Reduce -9.4% |
| MUNI PIMCO Intermediate Municipal | 0.42% | 52,611 | $2.8M | Reduce -2.8% |
| SPHQ Invesco S&P 500 Quality ETF | 0.42% | 40,738 | $2.7M | Add +2.8% |
| FICO Fair Isaac Corp. | 0.40% | 1,367 | $2.7M | Add +0.1% |
| IJH iShares Core S&P Midcap ETF | 0.40% | 42,404 | $2.6M | Reduce -1.0% |
| EEMA iShares MSCI Emerg MRKT Asia | 0.39% | 32,525 | $2.5M | Add +3.1% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.36% | 9,020 | $2.4M | Reduce -3.7% |
| COWZ Pacer US Cash Cows 100 ETF | 0.35% | 40,184 | $2.3M | Reduce -1.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.35% | 5,012 | $2.3M | Add +2.9% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.34% | 9,296 | $2.3M | Reduce -0.9% |
| SLYV SS SPDR S&P 600 SC Val ETF | 0.34% | 25,549 | $2.2M | Reduce -0.1% |
| ORCL Oracle Corp. | 0.33% | 12,865 | $2.2M | Reduce -0.4% |
| JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F | 0.33% | 42,514 | $2.2M | Add +24.6% |
| IVV iShares Core S&P 500 ETF | 0.32% | 3,689 | $2.1M | Add +5.3% |
| SKYY First Trust Cloud Computing | 0.29% | 18,769 | $1.9M | Add +1.7% |
| COST Costco Wholesale Corp. | 0.28% | 2,040 | $1.8M | Reduce -2.3% |
| SMH Vaneck Semiconductor ETF | 0.27% | 7,346 | $1.8M | Add +3.7% |
| SMIN iShares MSCI India Small-Cap | 0.27% | 20,514 | $1.8M | Reduce -7.7% |
| EEM iShares MSCI Emerging Market | 0.26% | 37,794 | $1.7M | Reduce -0.5% |
| JMUB JPMorgan Municipal ETF | 0.25% | 32,326 | $1.7M | Reduce -2.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.25% | 2,822 | $1.6M | Add +48.1% |
| DE Deere & Co. | 0.24% | 3,799 | $1.6M | Add +2.6% |
| UNH Unitedhealth Group Inc. | 0.24% | 2,700 | $1.6M | Reduce -2.2% |
| XOM Exxon Mobil Corp. | 0.21% | 11,990 | $1.4M | Reduce -2.1% |
| SYK Stryker Corp. | 0.21% | 3,890 | $1.4M | Reduce -12.5% |
| JPM JPMorgan Chase & Co. | 0.21% | 6,546 | $1.4M | Add +4.1% |
| V Visa Inc. Class A | 0.21% | 4,969 | $1.4M | Reduce -1.3% |
| LLY Eli Lilly & Co. | 0.20% | 1,499 | $1.3M | Add +2.2% |
| HD Home Depot Inc. | 0.19% | 3,110 | $1.3M | Add +4.5% |
| UNP Union Pacific Corp. | 0.19% | 5,091 | $1.3M | Reduce -1.2% |
| JEPI JPMorgan Equity Premium Inco | 0.19% | 20,980 | $1.2M | Add +7.7% |
| META Meta Platforms Inc. Class A | 0.19% | 2,148 | $1.2M | Add +16.8% |
| VIG Vanguard Dividend Apprec ETF | 0.19% | 6,174 | $1.2M | Reduce -0.1% |
| DFIS Dimensional International SM | 0.18% | 45,020 | $1.2M | Reduce -1.5% |
| BUG Global X Cybersecurity ETF | 0.18% | 37,931 | $1.2M | Add +1.8% |
| JNJ Johnson & Johnson | 0.18% | 7,184 | $1.2M | Reduce -0.5% |
| ACN Accenture PLC Class A | 0.17% | 3,228 | $1.1M | Reduce -1.4% |
| PNW Pinnacle West Capital | 0.17% | 12,816 | $1.1M | Add +0.0% |
| TMO Thermo Fisher Scientific Inc. | 0.17% | 1,823 | $1.1M | Reduce -1.5% |
| HON Honeywell International Inc. | 0.17% | 5,363 | $1.1M | Reduce -1.1% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.17% | 18,001 | $1.1M | Reduce -1.4% |
| AVGO Broadcom Inc. | 0.16% | 6,052 | $1.0M | Add +11.3% |
| FBND Fidelity Total Bond ETF | 0.16% | 22,158 | $1.0M | Add +11.8% |
| DFAC Dimensional US Core Equity 2 | 0.16% | 30,111 | $1.0M | No change |
| PEP Pepsico Inc. | 0.16% | 6,014 | $1.0M | Reduce -1.0% |
| CVX Chevron Corp. | 0.15% | 6,624 | $976K | Reduce -0.9% |
| MTUM iShares MSCI USA Momentum Fa | 0.15% | 4,703 | $954K | No change |
| AXP American Express Co. | 0.14% | 3,493 | $947K | Add +15.0% |
| XLB SS Materials Select Sector | 0.14% | 9,779 | $943K | Reduce -2.3% |
Portfolio Sells Q2 2024 → Q3 2024
| OMFL Invesco Russell 1000 DYN M/F | Reduce -12.7% | 2.59% | −0.62 |
| FIXD First Trust Smith Opportunis | Reduce -11.2% | 0.87% | −0.15 |
| SPAB SS SPDR P Agg Bond ETF | Reduce -7.3% | 0.84% | −0.11 |
| DFAU Dimensional US Core Equity M | Reduce -16.8% | 0.46% | −0.11 |
| HMOP Hartford Municipal Opp ETF | Reduce -0.4% | 1.22% | −0.09 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.4% | 1.32% | −0.09 |
| QUAL iShares MSCI USA Quality Fac | Reduce -0.7% | 1.76% | −0.08 |
| FOCT FT Vest U.S. Equity Buffer E | Reduce -9.4% | 0.43% | −0.08 |
| FNOV FT Vest US Equity Buffer ETF | Reduce -7.0% | 0.47% | −0.07 |
| EVH Evolent Health Inc. Class A | Reduce -50.4% | 0.13% | −0.06 |
| MUNI PIMCO Intermediate Municipal | Reduce -2.8% | 0.42% | −0.04 |
| DFAI Dimensional International Co. | Reduce -4.2% | 0.67% | −0.04 |
| CRWD CrowdStrike Holdings Inc. Class A | Sold out | 0.00% | −0.04 |
| MCK McKesson Corp. | Sold out | 0.00% | −0.04 |
| SYK Stryker Corp. | Reduce -12.5% | 0.21% | −0.04 |
| VOO Vanguard S&P 500 ETF | Reduce -0.8% | 0.88% | −0.04 |
| MU Micron Technology Inc. | Sold out | 0.00% | −0.03 |
| F Ford Motor Co. | Reduce -2.4% | 0.09% | −0.03 |
| SMIN iShares MSCI India Small-Cap | Reduce -7.7% | 0.27% | −0.03 |
| CMG Chipotle Mexican Grill Inc. | Reduce -5.9% | 0.10% | −0.03 |
| CVX Chevron Corp. | Reduce -0.9% | 0.15% | −0.03 |
| JMUB JPMorgan Municipal ETF | Reduce -2.1% | 0.25% | −0.02 |
| ADBE Adobe Inc. | Reduce -1.8% | 0.12% | −0.02 |
| HON Honeywell International Inc. | Reduce -1.1% | 0.17% | −0.02 |
| MDYV SS SPDR S&P 400 MC Val ETF | Reduce -0.7% | 2.60% | −0.02 |
| XOM Exxon Mobil Corp. | Reduce -2.1% | 0.21% | −0.02 |
| GOOG Alphabet Inc. Class C | Reduce -0.1% | 0.10% | −0.02 |
| SPSM SS SPDR P S&P 600 Small Cap | Reduce -13.2% | 0.13% | −0.02 |
| COST Costco Wholesale Corp. | Reduce -2.3% | 0.28% | −0.02 |
| DIS The Walt Disney Co. | Reduce -2.9% | 0.11% | −0.02 |
| BAC Bank of America Corp. | Reduce -3.4% | 0.13% | −0.02 |
| AQN Algonquin Power & Utilities | Sold out | 0.00% | −0.02 |
| COWZ Pacer US Cash Cows 100 ETF | Reduce -1.6% | 0.35% | −0.02 |
| FTCS First Trust Capital Strength | Reduce -2.3% | 0.46% | −0.02 |
| LMBS First Trust Low Duration Opp | Reduce -19.3% | 0.05% | −0.01 |
| XOP SS SPDR S&P Og Exp & Prod | Reduce -3.3% | 0.06% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -3.7% | 0.36% | −0.01 |
| EFAV iShares MSCI Eafe Min Vol Fa | Reduce -25.1% | 0.04% | −0.01 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.0% | 0.40% | −0.01 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Reduce -0.9% | 0.34% | −0.01 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -1.4% | 0.17% | −0.01 |
| ESGU iShares ESG Aware MSCI USA | Reduce -5.0% | 0.13% | −0.01 |
| XLE SS Energy Select Sector | Reduce -2.2% | 0.07% | −0.01 |
| V Visa Inc. Class A | Reduce -1.3% | 0.21% | −0.01 |
| PEP Pepsico Inc. | Reduce -1.0% | 0.16% | −0.01 |
| TAXF American Century Diver Muni | Reduce -2.8% | 0.11% | −0.01 |
| IWF iShares Russell 1000 Growth | Reduce -9.0% | 0.06% | −0.01 |
| IUSV iShares Core S&P U.S. Value | Reduce -5.6% | 0.13% | −0.01 |
| T AT&T Inc. | Reduce -21.9% | 0.03% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -1.2% | 0.96% | −0.01 |
Portfolio Buys Q2 2024 → Q3 2024
| DFCF Dimensional Core Fixed Inc. | Add +110.7% | 1.42% | +0.72 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +7.5% | 4.20% | +0.27 |
| PVAL Putnam Focused LRG Cap Value | Add +33.4% | 0.92% | +0.20 |
| PYLD PIMCO Multisector Bond Actv | Add +44.0% | 0.54% | +0.15 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +5.0% | 3.71% | +0.11 |
| USRT iShares Core US REIT ETF | Add +0.7% | 1.70% | +0.10 |
| TSLA Tesla Inc. | Add +0.2% | 0.54% | +0.10 |
| IEFA iShares Core MSCI Eafe ETF | Add +7.3% | 1.72% | +0.09 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +48.1% | 0.25% | +0.07 |
| FICO Fair Isaac Corp. | Add +0.1% | 0.40% | +0.07 |
| JHMM John Hancock Multi Fact Mid | Add +2.8% | 2.15% | +0.07 |
| AAPL Apple Inc. | Add +2.9% | 1.52% | +0.06 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +10.7% | 0.54% | +0.05 |
| JMST JPM Ultra-Short Muni Income | Add +24.6% | 0.33% | +0.04 |
| SDVY First Trust Smid Cap Rising | New | 0.04% | +0.04 |
| LDI Loandepot Inc. Class A | New | 0.04% | +0.04 |
| AMD Advanced Micro Devices | New | 0.04% | +0.04 |
| LOW Lowe's Cos Inc. | New | 0.04% | +0.04 |
| MA Mastercard Inc. Class A | New | 0.03% | +0.03 |
| CLX Clorox Company | New | 0.03% | +0.03 |
| NOW ServiceNow Inc. | New | 0.03% | +0.03 |
| CAT Caterpillar Inc. | New | 0.03% | +0.03 |
| META Meta Platforms Inc. Class A | Add +16.8% | 0.19% | +0.03 |
| ABBV Abbvie Inc. | New | 0.03% | +0.03 |
| SGOL Abrdn Physical Gold Shares | New | 0.03% | +0.03 |
| UBER Uber Technologies Inc. | New | 0.03% | +0.03 |
| FBIZ First Business Financial Ser | New | 0.03% | +0.03 |
| LGLV SPDR US LC Low Vol Idx | New | 0.03% | +0.03 |
| JHML John Hancock Multi Fact LRG | Add +9.3% | 0.47% | +0.03 |
| AVUV Avantis US Small Cap Value | Add +6.0% | 0.82% | +0.03 |
| DEM Wisdomtree Emerging Markets | Add +35.1% | 0.14% | +0.03 |
| AXP American Express Co. | Add +15.0% | 0.14% | +0.03 |
| SPEM State Street SP PTF Em ETF | Add +0.6% | 2.47% | +0.03 |
| AVEM Avantis Emerging Markets Eq | Add +4.6% | 1.74% | +0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +2.9% | 0.35% | +0.02 |
| HD Home Depot Inc. | Add +4.5% | 0.19% | +0.02 |
| JEPQ JPM Nasdaq Equity Premium | Add +54.2% | 0.07% | +0.02 |
| VEA Vanguard Ftse Developed ETF | Add +2.6% | 3.46% | +0.02 |
| BLK BlackRock Finance Inc. | Add +6.1% | 0.11% | +0.02 |
| AVGO Broadcom Inc. | Add +11.3% | 0.16% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +34.6% | 0.07% | +0.01 |
| DE Deere & Co. | Add +2.6% | 0.24% | +0.01 |
| ESGD iShares Trust iShares ESG Aw | Add +12.5% | 0.12% | +0.01 |
| SBUX Starbucks Corp. | Add +2.9% | 0.07% | +0.01 |
| FISV Fiserv Inc. | Add +0.1% | 0.12% | +0.01 |
| PNW Pinnacle West Capital | Add +0.0% | 0.17% | +0.01 |
| FBND Fidelity Total Bond ETF | Add +11.8% | 0.16% | +0.01 |
| EEMA iShares MSCI Emerg MRKT Asia | Add +3.1% | 0.39% | +0.01 |
| SLYG SS SPDR S&P 600 SC GR ETF | Add +1.3% | 1.09% | +0.01 |
| TXN Texas Instruments Inc. | Add +13.2% | 0.09% | +0.01 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 161 | $604.3M | SPYG, SPYV, SPDW, IEFA, USTB |
| Q1 2026 | 150 | $531.8M | SPYV, SPYG, SPDW, IEFA, USTB |
| Q4 2025 | 146 | $531.9M | SPYG, SPYV, SPDW, IEFA, USTB |
| Q3 2025 | 140 | $506.5M | SPYG, SPYV, SPDW, MDYV, OMFL |
| Q2 2025 | 145 | $474.0M | SPYG, SPYV, SPDW, MDYV, OMFL |
| Q1 2025 | 180 | $632.9M | RWL, VOOG, SPYG, SPYV, SPDW |
| Q4 2024 | 190 | $666.5M | VOOG, RWL, SPYG, SPYV, SPDW |
| Q3 2024 | 187 | $657.3M | VOOG, RWL, SPYG, SPYV, SPDW |
| Q2 2024Amended | 177 | $602.8M | VOOG, RWL, SPYG, SPYV, SPDW |
| Q1 2024 | 173 | $576.5M | RWL, VOOG, SPYV, OMFL, SPYG |