ERn Financial, LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 14, 2025), ERn Financial, LLC reported 190 stock positions worth $666.5 million. Its top holding was Vanguard S&P 500 Growth ETF (VOOG) at 6.5% of the portfolio, followed by Invesco S&P 500 Revenue ETF (RWL, 5.9%) and SS SPDR P S&P 500 Growth ETF (SPYG, 5.5%). Compared with Q3 2024, it opened 11 new positions, sold out of 8, added to 112 and reduced 57. The biggest buy was PIMCO Multisector Bond Actv (PYLD, shares +213%) and the biggest sale Hartford Schroders Tax Aware (HTAB, shares −76%).
- Most Recent 13F
- Q2 2026
- Location
- MIDDLETON, WI
- CIK
- 0001768302
- Portfolio Value
- $666.5M (Q4 2024)
- SEC Filing
- 0001768302-25-000001 ↗ filed Jan 14, 2025
Holdings Value
Holdings 190 stocks · $666.5M
| VOOG Vanguard S&P 500 Growth ETF | 6.52% | 118,667 | $43.4M | Add +0.2% |
| RWL Invesco S&P 500 Revenue ETF | 5.86% | 398,974 | $39.1M | Add +0.6% |
| SPYG SS SPDR P S&P 500 Growth ETF | 5.46% | 413,740 | $36.4M | Reduce -0.5% |
| SPYV SS SPDR P S&P 500 Value ETF | 4.16% | 541,565 | $27.7M | Add +3.7% |
| SPDW Ste STR SPDR PT DW Eu ETF | 3.49% | 681,113 | $23.2M | Add +4.9% |
| VEA Vanguard Ftse Developed ETF | 3.17% | 441,224 | $21.1M | Add +2.3% |
| MDYV SS SPDR S&P 400 MC Val ETF | 2.55% | 211,860 | $17.0M | Reduce -1.4% |
| OMFL Invesco Russell 1000 DYN M/F | 2.31% | 283,906 | $15.4M | Reduce -11.6% |
| USTB Victoryshares Short-Term Bon | 2.27% | 301,649 | $15.1M | Add +3.0% |
| SPEM State Street SP PTF Em ETF | 2.27% | 393,732 | $15.1M | Add +0.3% |
| JHMM John Hancock Multi Fact Mid | 2.20% | 245,513 | $14.7M | Add +4.5% |
| FMB First Trust Managed Municipa | 2.13% | 278,866 | $14.2M | Add +4.9% |
| AAPL Apple Inc. | 1.91% | 50,740 | $12.7M | Add +18.0% |
| QUAL iShares MSCI USA Quality Fac | 1.68% | 62,787 | $11.2M | Reduce -2.8% |
| IEFA iShares Core MSCI Eafe ETF | 1.66% | 157,652 | $11.1M | Add +8.7% |
| PYLD PIMCO Multisector Bond Actv | 1.63% | 419,387 | $10.9M | Add +212.5% |
| AVEM Avantis Emerging Markets Eq | 1.62% | 183,985 | $10.8M | Add +3.8% |
| USRT iShares Core US REIT ETF | 1.60% | 186,187 | $10.7M | Add +2.5% |
| REET iShares Global REIT ETF | 1.51% | 420,130 | $10.1M | Reduce -1.7% |
| DFAX Dimensional World Ex US Core | 1.43% | 383,740 | $9.5M | Add +0.3% |
| MDYG SS SPDR S&P 400 MC GR ETF | 1.40% | 107,595 | $9.3M | Reduce -0.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.39% | 22,559 | $9.3M | Reduce -0.5% |
| DFCF Dimensional Core Fixed Inc. | 1.38% | 222,697 | $9.2M | Add +2.7% |
| JCPB JPMorgan Core Plus Bond ETF | 1.25% | 180,276 | $8.3M | Add +4.4% |
| HMOP Hartford Municipal Opp ETF | 1.20% | 206,946 | $8.0M | Add +1.5% |
| SLYG SS SPDR S&P 600 SC GR ETF | 1.00% | 73,776 | $6.7M | Reduce -3.8% |
| VONG Vanguard Russell 1000 Growth | 0.98% | 62,997 | $6.5M | Reduce -0.7% |
| EFA iShares MSCI Eafe ETF | 0.96% | 84,251 | $6.4M | Add +8.7% |
| IJR iShares Core S&P Small-Cap E | 0.95% | 54,793 | $6.3M | Add +1.2% |
| PVAL Putnam Focused LRG Cap Value | 0.95% | 169,949 | $6.3M | Add +7.2% |
| NVDA Nvidia Corp. | 0.94% | 46,605 | $6.3M | Reduce -0.1% |
| FDG American Century Focused DYN | 0.89% | 57,132 | $5.9M | Reduce -9.4% |
| SPIP SS SPDR P Tips ETF | 0.88% | 230,742 | $5.8M | Add +5.5% |
| SPAB SS SPDR P Agg Bond ETF | 0.86% | 228,878 | $5.7M | Add +7.8% |
| VOO Vanguard S&P 500 ETF | 0.86% | 10,601 | $5.7M | Reduce -3.5% |
| TSLA Tesla Inc. | 0.86% | 14,135 | $5.7M | Add +3.7% |
| MSFT Microsoft Corp. | 0.83% | 13,152 | $5.5M | Add +4.6% |
| AVUV Avantis US Small Cap Value | 0.82% | 56,750 | $5.5M | Add +1.0% |
| FIXD First Trust Smith Opportunis | 0.78% | 120,735 | $5.2M | Reduce -4.6% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 0.67% | 65,216 | $4.5M | Reduce -2.4% |
| JHML John Hancock Multi Fact LRG | 0.67% | 63,727 | $4.4M | Add +44.1% |
| AMZN Amazon.com Inc. | 0.63% | 19,229 | $4.2M | Reduce -0.3% |
| DFAI Dimensional International Co. | 0.61% | 138,362 | $4.0M | Reduce -0.7% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.53% | 20,861 | $3.5M | Add +1.9% |
| GOOGL Alphabet Inc. Class A | 0.51% | 17,915 | $3.4M | Add +3.7% |
| SPGP Invesco S&P 500 Garp ETF | 0.51% | 32,184 | $3.4M | Reduce -0.6% |
| JMST JPM Ultra-Short Muni Income filed as J P MORGAN EXCHANGE TRADED F | 0.50% | 65,111 | $3.3M | Add +53.1% |
| AXON Axon Enterprise Inc. | 0.48% | 5,352 | $3.2M | New |
| FNOV FT Vest US Equity Buffer ETF | 0.47% | 65,474 | $3.1M | Reduce -1.1% |
| DFAU Dimensional US Core Equity M | 0.44% | 71,926 | $2.9M | Reduce -5.1% |
| FVD First Trust Value Line DVD | 0.42% | 63,911 | $2.8M | Reduce -3.6% |
| MUNI PIMCO Intermediate Municipal | 0.42% | 53,508 | $2.8M | Add +1.7% |
| FSEP FT Vest U.S. Equity Buffer E | 0.41% | 60,441 | $2.8M | New |
| SPHQ Invesco S&P 500 Quality ETF | 0.41% | 40,730 | $2.7M | Reduce -0.0% |
| FICO Fair Isaac Corp. | 0.41% | 1,367 | $2.7M | No change |
| IJH iShares Core S&P Midcap ETF | 0.39% | 42,177 | $2.6M | Reduce -0.5% |
| EEMA iShares MSCI Emerg MRKT Asia | 0.36% | 33,204 | $2.4M | Add +2.1% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.35% | 9,236 | $2.3M | Reduce -0.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.35% | 5,125 | $2.3M | Add +2.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.35% | 8,764 | $2.3M | Reduce -2.8% |
| COWZ Pacer US Cash Cows 100 ETF | 0.34% | 39,740 | $2.2M | Reduce -1.1% |
| SKYY First Trust Cloud Computing | 0.33% | 18,532 | $2.2M | Reduce -1.3% |
| ORCL Oracle Corp. | 0.33% | 13,168 | $2.2M | Add +2.4% |
| IVV iShares Core S&P 500 ETF | 0.33% | 3,717 | $2.2M | Add +0.8% |
| SLYV SS SPDR S&P 600 SC Val ETF | 0.32% | 24,571 | $2.1M | Reduce -3.8% |
| HTAB Hartford Schroders Tax Aware | 0.30% | 101,844 | $2.0M | Reduce -75.7% |
| COST Costco Wholesale Corp. | 0.29% | 2,091 | $1.9M | Add +2.5% |
| FTCS First Trust Capital Strength | 0.27% | 20,858 | $1.8M | Reduce -36.9% |
| SMH Vaneck Semiconductor ETF | 0.26% | 7,215 | $1.7M | Reduce -1.8% |
| V Visa Inc. Class A | 0.25% | 5,337 | $1.7M | Add +7.4% |
| JMUB JPMorgan Municipal ETF | 0.25% | 32,879 | $1.6M | Add +1.7% |
| JPM JPMorgan Chase & Co. | 0.25% | 6,869 | $1.6M | Add +4.9% |
| SMIN iShares MSCI India Small-Cap | 0.25% | 21,471 | $1.6M | Add +4.7% |
| DE Deere & Co. | 0.24% | 3,832 | $1.6M | Add +0.9% |
| EEM iShares MSCI Emerging Market | 0.24% | 37,656 | $1.6M | Reduce -0.4% |
| AVGO Broadcom Inc. | 0.22% | 6,327 | $1.5M | Add +4.5% |
| SYK Stryker Corp. | 0.22% | 3,984 | $1.4M | Add +2.4% |
| UNH Unitedhealth Group Inc. | 0.21% | 2,813 | $1.4M | Add +4.2% |
| META Meta Platforms Inc. Class A | 0.21% | 2,426 | $1.4M | Add +12.9% |
| PNW Pinnacle West Capital | 0.20% | 16,073 | $1.4M | Add +25.4% |
| HD Home Depot Inc. | 0.20% | 3,435 | $1.3M | Add +10.4% |
| XOM Exxon Mobil Corp. | 0.19% | 11,866 | $1.3M | Reduce -1.0% |
| HON Honeywell International Inc. | 0.19% | 5,494 | $1.2M | Add +2.4% |
| JEPI JPMorgan Equity Premium Inco | 0.19% | 21,451 | $1.2M | Add +2.2% |
| BUG Global X Cybersecurity ETF | 0.18% | 37,454 | $1.2M | Reduce -1.3% |
| UNP Union Pacific Corp. | 0.18% | 5,185 | $1.2M | Add +1.9% |
| VIG Vanguard Dividend Apprec ETF | 0.18% | 6,024 | $1.2M | Reduce -2.4% |
| LLY Eli Lilly & Co. | 0.18% | 1,526 | $1.2M | Add +1.8% |
| DFIS Dimensional International SM | 0.17% | 47,291 | $1.2M | Add +5.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.17% | 1,974 | $1.2M | Reduce -30.1% |
| ACN Accenture PLC Class A | 0.17% | 3,241 | $1.1M | Add +0.4% |
| JNJ Johnson & Johnson | 0.17% | 7,705 | $1.1M | Add +7.3% |
| NFLX Netflix Inc. | 0.16% | 1,207 | $1.1M | Add +6.1% |
| AXP American Express Co. | 0.16% | 3,498 | $1.0M | Add +0.1% |
| DFAC Dimensional US Core Equity 2 | 0.16% | 29,878 | $1.0M | Reduce -0.8% |
| FBND Fidelity Total Bond ETF | 0.15% | 22,747 | $1.0M | Add +2.7% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.15% | 18,088 | $1.0M | Add +0.5% |
| CACC Credit Acceptance Corp. | 0.15% | 2,100 | $986K | No change |
| CVX Chevron Corp. | 0.15% | 6,738 | $976K | Add +1.7% |
| TMO Thermo Fisher Scientific Inc. | 0.15% | 1,873 | $975K | Add +2.7% |
Portfolio Sells Q3 2024 → Q4 2024
| HTAB Hartford Schroders Tax Aware | Reduce -75.7% | 0.30% | −0.97 |
| FOCT FT Vest U.S. Equity Buffer E | Sold out | 0.00% | −0.43 |
| OMFL Invesco Russell 1000 DYN M/F | Reduce -11.6% | 2.31% | −0.28 |
| REET iShares Global REIT ETF | Reduce -1.7% | 1.51% | −0.22 |
| FTCS First Trust Capital Strength | Reduce -36.9% | 0.27% | −0.18 |
| FIXD First Trust Smith Opportunis | Reduce -4.6% | 0.78% | −0.09 |
| SLYG SS SPDR S&P 600 SC GR ETF | Reduce -3.8% | 1.00% | −0.09 |
| QUAL iShares MSCI USA Quality Fac | Reduce -2.8% | 1.68% | −0.08 |
| SBUX Starbucks Corp. | Sold out | 0.00% | −0.07 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -30.1% | 0.17% | −0.07 |
| DFAI Dimensional International Co. | Reduce -0.7% | 0.61% | −0.07 |
| MDYV SS SPDR S&P 400 MC Val ETF | Reduce -1.4% | 2.55% | −0.05 |
| FVD First Trust Value Line DVD | Reduce -3.6% | 0.42% | −0.04 |
| AMD Advanced Micro Devices | Sold out | 0.00% | −0.04 |
| MDYG SS SPDR S&P 400 MC GR ETF | Reduce -0.3% | 1.40% | −0.04 |
| GXO Gxo Logistics Inc. | Sold out | 0.00% | −0.03 |
| SGOL Abrdn Physical Gold Shares | Sold out | 0.00% | −0.03 |
| UBER Uber Technologies Inc. | Sold out | 0.00% | −0.03 |
| T AT&T Inc. | Sold out | 0.00% | −0.03 |
| LGLV SPDR US LC Low Vol Idx | Sold out | 0.00% | −0.03 |
| EEM iShares MSCI Emerging Market | Reduce -0.4% | 0.24% | −0.03 |
| VOO Vanguard S&P 500 ETF | Reduce -3.5% | 0.86% | −0.02 |
| XOM Exxon Mobil Corp. | Reduce -1.0% | 0.19% | −0.02 |
| DFAU Dimensional US Core Equity M | Reduce -5.1% | 0.44% | −0.02 |
| COWZ Pacer US Cash Cows 100 ETF | Reduce -1.1% | 0.34% | −0.02 |
| SPSM SS SPDR P S&P 600 Small Cap | Reduce -9.8% | 0.12% | −0.02 |
| SLYV SS SPDR S&P 600 SC Val ETF | Reduce -3.8% | 0.32% | −0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -2.8% | 0.35% | −0.01 |
| ICOW Pacer Developed Markets Inte | Reduce -13.5% | 0.05% | −0.01 |
| VZ Verizon Communications Inc. | Reduce -20.4% | 0.03% | −0.01 |
| EFAV iShares MSCI Eafe Min Vol Fa | Reduce -21.4% | 0.03% | −0.01 |
| SMH Vaneck Semiconductor ETF | Reduce -1.8% | 0.26% | −0.01 |
| WFC Wells Fargo & Co. | Reduce -34.0% | 0.05% | −0.01 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Reduce -2.4% | 0.67% | −0.01 |
| PM Philip Morris International | Reduce -12.4% | 0.07% | −0.01 |
| SPGP Invesco S&P 500 Garp ETF | Reduce -0.6% | 0.51% | −0.01 |
| VIG Vanguard Dividend Apprec ETF | Reduce -2.4% | 0.18% | −0.01 |
| OMFS Invesco RSL 2000 DYN Mltfctr | Reduce -7.1% | 0.09% | −0.01 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.5% | 0.39% | −0.01 |
| SPHQ Invesco S&P 500 Quality ETF | Reduce -0.0% | 0.41% | −0.01 |
| FIS Fidelity National Info Serv | Reduce -4.1% | 0.07% | −0.01 |
| IUSV iShares Core S&P U.S. Value | Reduce -1.0% | 0.12% | −0.01 |
| FMAR FT Vest US Equity Buffer ETF | Reduce -13.8% | 0.04% | −0.01 |
| IBM Intl Business Machines Corp. | Reduce -10.1% | 0.05% | −0.01 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Reduce -4.2% | 0.10% | −0.01 |
| LMBS First Trust Low Duration Opp | Reduce -8.8% | 0.04% | −0.01 |
| FNOV FT Vest US Equity Buffer ETF | Reduce -1.1% | 0.47% | −0.01 |
| VYM Vanguard High DVD Yield ETF | Reduce -4.8% | 0.06% | −0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -5.0% | 0.08% | −0.00 |
| MO Altria Group Inc. | Reduce -5.4% | 0.06% | −0.00 |
Portfolio Buys Q3 2024 → Q4 2024
| PYLD PIMCO Multisector Bond Actv | Add +212.5% | 1.63% | +1.09 |
| AXON Axon Enterprise Inc. | New | 0.48% | +0.48 |
| FSEP FT Vest U.S. Equity Buffer E | New | 0.41% | +0.41 |
| AAPL Apple Inc. | Add +18.0% | 1.91% | +0.38 |
| TSLA Tesla Inc. | Add +3.7% | 0.86% | +0.31 |
| VOOG Vanguard S&P 500 Growth ETF | Add +0.2% | 6.52% | +0.30 |
| JHML John Hancock Multi Fact LRG | Add +44.1% | 0.67% | +0.20 |
| JMST JPM Ultra-Short Muni Income | Add +53.1% | 0.50% | +0.17 |
| CGXU Cap Group Intl Focus | New | 0.11% | +0.11 |
| ANET Arista Networks Inc. | New | 0.07% | +0.07 |
| GOOGL Alphabet Inc. Class A | Add +3.7% | 0.51% | +0.07 |
| AVGO Broadcom Inc. | Add +4.5% | 0.22% | +0.06 |
| SHOP Shopify Inc. Class A | New | 0.05% | +0.05 |
| JHMM John Hancock Multi Fact Mid | Add +4.5% | 2.20% | +0.05 |
| IWD iShares Russell 1000 Value E | New | 0.05% | +0.05 |
| V Visa Inc. Class A | Add +7.4% | 0.25% | +0.05 |
| CRWD CrowdStrike Holdings Inc. Class A | New | 0.04% | +0.04 |
| CSCO Cisco Systems Inc. | New | 0.04% | +0.04 |
| CRM Salesforce Inc. | New | 0.04% | +0.04 |
| NFLX Netflix Inc. | Add +6.1% | 0.16% | +0.04 |
| JPM JPMorgan Chase & Co. | Add +4.9% | 0.25% | +0.04 |
| MCK McKesson Corp. | New | 0.03% | +0.03 |
| NEE Nextera Energy Inc. | New | 0.03% | +0.03 |
| FMB First Trust Managed Municipa | Add +4.9% | 2.13% | +0.03 |
| PNW Pinnacle West Capital | Add +25.4% | 0.20% | +0.03 |
| PVAL Putnam Focused LRG Cap Value | Add +7.2% | 0.95% | +0.03 |
| Z Zillow Group Inc. Class C | Add +11.2% | 0.12% | +0.03 |
| META Meta Platforms Inc. Class A | Add +12.9% | 0.21% | +0.03 |
| GOOG Alphabet Inc. Class C | Add +8.9% | 0.12% | +0.02 |
| MA Mastercard Inc. Class A | Add +44.2% | 0.05% | +0.02 |
| HON Honeywell International Inc. | Add +2.4% | 0.19% | +0.02 |
| DIS The Walt Disney Co. | Add +1.1% | 0.13% | +0.02 |
| BAC Bank of America Corp. | Add +3.3% | 0.14% | +0.02 |
| FISV Fiserv Inc. | Add +0.1% | 0.13% | +0.01 |
| PG The Procter & Gamble Co. | Add +17.2% | 0.13% | +0.01 |
| SPAB SS SPDR P Agg Bond ETF | Add +7.8% | 0.86% | +0.01 |
| ABBV Abbvie Inc. | Add +58.6% | 0.05% | +0.01 |
| BLK BlackRock Inc. | Add +4.3% | 0.12% | +0.01 |
| COST Costco Wholesale Corp. | Add +2.5% | 0.29% | +0.01 |
| AXP American Express Co. | Add +0.1% | 0.16% | +0.01 |
| XLE SS Energy Select Sector | Add +20.1% | 0.08% | +0.01 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Add +18.1% | 0.12% | +0.01 |
| AMP Ameriprise Financial Inc. | Add +0.9% | 0.08% | +0.01 |
| HD Home Depot Inc. | Add +10.4% | 0.20% | +0.01 |
| MSFT Microsoft Corp. | Add +4.6% | 0.83% | +0.01 |
| USTB Victoryshares Short-Term Bon | Add +3.0% | 2.27% | +0.01 |
| ESGU iShares ESG Aware MSCI USA | Add +5.0% | 0.14% | +0.01 |
| NOW ServiceNow Inc. | Add +0.4% | 0.04% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +5.1% | 0.07% | +0.01 |
| CMG Chipotle Mexican Grill Inc. | Add +2.3% | 0.10% | +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 |