Sensible Financial Planning & Management, LLC.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 5, 2025), Sensible Financial Planning & Management, LLC. reported 31 stock positions worth $550.7 million. Its top holding was Schwab U.S. Tips ETF (SCHP) at 15.1% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 15.1%) and iShares MBS ETF (MBB, 13.8%). Compared with Q2 2025, it sold out of 6, added to 15 and reduced 15. The biggest buy was iShares MBS ETF (MBB, shares +8%) and the biggest sale an exit from Ast US Eq WGT QLTY Kings ETF (ROE).
- Most Recent 13F
- Q3 2025
- Location
- WALTHAM, MA
- CIK
- 0001567738
- Portfolio Value
- $550.7M (Q3 2025)
- SEC Filing
- 0002063364-25-000274 ↗ filed Nov 5, 2025
Holdings Value
Holdings 31 stocks · $550.7M
| SCHP Schwab U.S. Tips ETF | 15.12% | 3,088,558 | $83.2M | Add +2.2% |
| BNDX Vanguard Total Intl Bond ETF | 15.07% | 1,677,297 | $83.0M | Add +4.5% |
| MBB iShares MBS ETF | 13.76% | 796,082 | $75.7M | Add +7.8% |
| USIG iShares Broad Usd Investment | 13.35% | 1,407,927 | $73.5M | Add +1.1% |
| VOO Vanguard S&P 500 ETF | 5.01% | 45,017 | $27.6M | Add +5.3% |
| VTI VG Morningstar TS MKT ETF-US | 4.73% | 79,427 | $26.1M | Add +0.0% |
| STIP iShares 0-5 Year Tips Bond E | 4.17% | 222,335 | $23.0M | Add +1.3% |
| MTUM iShares MSCI USA Momentum Fa | 4.10% | 88,088 | $22.6M | Reduce -4.0% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 3.94% | 395,140 | $21.7M | Add +2.5% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.81% | 63,370 | $15.5M | Reduce -4.3% |
| SCHX Schwab US Large-Cap ETF | 2.37% | 495,277 | $13.0M | Reduce -2.4% |
| VTC Vanguard Total Corporate BND | 2.09% | 146,989 | $11.5M | Add +2.3% |
| VMBS Vanguard Mortgage-Backed Sec | 2.05% | 240,360 | $11.3M | Reduce -0.3% |
| DFIP Dimensional Inflation-Protec | 1.49% | 194,181 | $8.2M | Add +13.9% |
| SPDW Ste STR SPDR PT DW Eu ETF | 1.35% | 173,336 | $7.4M | Reduce -1.9% |
| SCHH Schwab US REIT ETF | 1.26% | 322,193 | $6.9M | Reduce -3.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.17% | 13,476 | $6.5M | Reduce -0.1% |
| VEA Vanguard Ftse Developed ETF | 1.03% | 94,692 | $5.7M | Reduce -1.6% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.93% | 20,143 | $5.1M | Reduce -2.1% |
| VWO Vanguard Ftse Emerging Marke | 0.60% | 61,463 | $3.3M | Add +0.8% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.57% | 10,684 | $3.1M | Reduce -2.4% |
| ESGU iShares ESG Aware MSCI USA | 0.53% | 20,227 | $2.9M | Add +10.0% |
| VNQ Vanguard Real Estate ETF | 0.50% | 29,990 | $2.7M | Reduce -3.6% |
| VTIP Vanguard Short-Term Tips | 0.41% | 44,307 | $2.2M | Reduce -5.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.36% | 10,664 | $2.0M | Add +2.0% |
| BNDW Vanguard Total World Bond Et | 0.35% | 28,004 | $2.0M | Add +20.8% |
| CBT Cabot Corp. | 0.34% | 24,979 | $1.9M | Reduce -1.2% |
| ESGD iShares Trust iShares ESG Aw | 0.18% | 10,770 | $1.0M | Reduce -3.5% |
| DFAT Dimensional US Target Value | 0.17% | 15,818 | $921K | Reduce -4.8% |
| ESGE iShares Inc. iShares ESG Awar | 0.10% | 12,445 | $540K | Add +10.4% |
| DFAI Dimensional International Co. | 0.08% | 12,682 | $461K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| ROE Ast US Eq WGT QLTY Kings ETF | Sold out | 0.00% | −0.16 |
| AGGA Ea Astoria Beacon Dynamic Co. | Sold out | 0.00% | −0.14 |
| EFAX State Street SPDR MSCI Eafe | Sold out | 0.00% | −0.12 |
| GQQQ Astoria US Qlity GRW KNG ETF | Sold out | 0.00% | −0.11 |
| SPTI SS SPDR P Int Term TSY ETF | Sold out | 0.00% | −0.11 |
| DMBS Doubleline Mortgage ETF | Sold out | 0.00% | −0.09 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -4.0% | 4.10% | −0.09 |
| SCHH Schwab US REIT ETF | Reduce -3.5% | 1.26% | −0.08 |
| VMBS Vanguard Mortgage-Backed Sec | Reduce -0.3% | 2.05% | −0.07 |
| VTIP Vanguard Short-Term Tips | Reduce -5.1% | 0.41% | −0.04 |
| VNQ Vanguard Real Estate ETF | Reduce -3.6% | 0.50% | −0.03 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -4.3% | 2.81% | −0.02 |
| CBT Cabot Corp. | Reduce -1.2% | 0.34% | −0.02 |
| VEA Vanguard Ftse Developed ETF | Reduce -1.6% | 1.03% | −0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -2.4% | 0.57% | −0.01 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -1.9% | 1.35% | −0.01 |
| ESGD iShares Trust iShares ESG Aw | Reduce -3.5% | 0.18% | −0.01 |
| DFAT Dimensional US Target Value | Reduce -4.8% | 0.17% | −0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -2.1% | 0.93% | +0.00 |
| SCHX Schwab US Large-Cap ETF | Reduce -2.4% | 2.37% | +0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.1% | 1.17% | +0.05 |
Portfolio Buys Q2 2025 → Q3 2025
| MBB iShares MBS ETF | Add +7.8% | 13.76% | +0.60 |
| VOO Vanguard S&P 500 ETF | Add +5.3% | 5.01% | +0.40 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Add +2.5% | 3.94% | +0.21 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.0% | 4.73% | +0.15 |
| DFIP Dimensional Inflation-Protec | Add +13.9% | 1.49% | +0.14 |
| ESGU iShares ESG Aware MSCI USA | Add +10.0% | 0.53% | +0.06 |
| BNDW Vanguard Total World Bond Et | Add +20.8% | 0.35% | +0.05 |
| VWO Vanguard Ftse Emerging Marke | Add +0.8% | 0.60% | +0.03 |
| ESGE iShares Inc. iShares ESG Awar | Add +10.4% | 0.10% | +0.01 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +2.0% | 0.36% | +0.01 |
| VTC Vanguard Total Corporate BND | Add +2.3% | 2.09% | −0.02 |
| BNDX Vanguard Total Intl Bond ETF | Add +4.5% | 15.07% | −0.02 |
| STIP iShares 0-5 Year Tips Bond E | Add +1.3% | 4.17% | −0.12 |
| SCHP Schwab U.S. Tips ETF | Add +2.2% | 15.12% | −0.19 |
| USIG iShares Broad Usd Investment | Add +1.1% | 13.35% | −0.25 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q3 2025 | 31 | $550.7M | SCHP, BNDX, MBB, USIG, VOO |
| Q2 2025 | 37 | $526.6M | SCHP, BNDX, USIG, MBB, VOO |
| Q1 2025 | 30 | $501.0M | SCHP, BNDX, USIG, MBB, STIP |
| Q4 2024 | 29 | $482.5M | SCHP, BNDX, USIG, MBB, VTI |
| Q3 2024 | 53 | $506.5M | SCHP, BNDX, USIG, MBB, VTI |
| Q2 2024 | 27 | $462.8M | SCHP, BNDX, USIG, MBB, VTI |
| Q1 2024 | 29 | $452.3M | SCHP, BNDX, USIG, MBB, VTI |