Sensible Financial Planning & Management, LLC.
In its 13F for Q1 2024 (holdings as of March 31, 2024, filed May 6, 2024), Sensible Financial Planning & Management, LLC. reported 29 stock positions worth $452.3 million. Its top holding was Schwab U.S. Tips ETF (SCHP) at 16.7% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 15.7%) and iShares Broad Usd Investment (USIG, 14.8%). Compared with Q4 2023, it opened 3 new positions, sold out of 1, added to 14 and reduced 11. The biggest buy was Vanguard Total Intl Bond ETF (BNDX, shares +10%) and the biggest sale Vanguard Total World Bond Et (BNDW, shares −58%).
- Most Recent 13F
- Q3 2025
- Location
- WALTHAM, MA
- CIK
- 0001567738
- Portfolio Value
- $452.3M (Q1 2024)
- SEC Filing
- 0001567738-24-000005 ↗ filed May 6, 2024
Holdings Value
Holdings 29 stocks · $452.3M
| SCHP Schwab U.S. Tips ETF | 16.72% | 1,449,463 | $75.6M | Add +4.9% |
| BNDX Vanguard Total Intl Bond ETF | 15.67% | 1,440,648 | $70.9M | Add +9.8% |
| USIG iShares Broad Usd Investment | 14.83% | 1,321,344 | $67.1M | Add +2.3% |
| MBB iShares MBS ETF | 12.99% | 635,717 | $58.8M | Add +4.6% |
| VTI VG Morningstar TS MKT ETF-US | 4.54% | 79,057 | $20.5M | Add +0.3% |
| MTUM iShares MSCI USA Momentum Fa | 4.34% | 104,877 | $19.6M | Reduce -3.8% |
| STIP iShares 0-5 Year Tips Bond E | 4.17% | 189,637 | $18.9M | Add +5.3% |
| VOO Vanguard S&P 500 ETF | 4.13% | 38,873 | $18.7M | Add +3.1% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 3.71% | 392,237 | $16.8M | Reduce -7.5% |
| SCHX Schwab US Large-Cap ETF | 2.54% | 185,414 | $11.5M | Reduce -3.2% |
| VTC Vanguard Total Corporate BND | 2.15% | 127,200 | $9.7M | Add +30.9% |
| VMBS Vanguard Mortgage-Backed Sec | 1.95% | 193,209 | $8.8M | Add +20.7% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 1.68% | 40,757 | $7.6M | Add +2.3% |
| SPDW Ste STR SPDR PT DW Eu ETF | 1.57% | 197,680 | $7.1M | Reduce -0.6% |
| SCHH Schwab US REIT ETF | 1.49% | 331,094 | $6.7M | Add +3.7% |
| DFIP Dimensional Inflation-Protec | 1.42% | 155,460 | $6.4M | Add +17.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.00% | 13,100 | $4.5M | Add +0.2% |
| VEA Vanguard Ftse Developed ETF | 0.84% | 76,086 | $3.8M | Reduce -0.6% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.80% | 15,820 | $3.6M | Add +9.8% |
| VNQ Vanguard Real Estate ETF | 0.66% | 34,332 | $3.0M | Reduce -1.3% |
| CBT Cabot Corp. | 0.60% | 29,577 | $2.7M | Reduce -6.2% |
| VTIP Vanguard Short-Term Tips | 0.57% | 53,652 | $2.6M | Reduce -2.4% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.42% | 11,744 | $1.9M | Reduce -6.6% |
| VWO Vanguard Ftse Emerging Marke | 0.42% | 45,198 | $1.9M | Reduce -4.4% |
| BNDW Vanguard Total World Bond Et | 0.36% | 23,608 | $1.6M | Reduce -58.2% |
| DFAT Dimensional US Target Value | 0.20% | 16,608 | $904K | No change |
| DFAU Dimensional US Core Equity M | 0.08% | 10,522 | $384K | New |
| DFAI Dimensional International Co. | 0.08% | 12,521 | $378K | New |
| TAST Carrols Restaurant Group Inc. | 0.05% | 25,567 | $243K | New |
Portfolio Sells Q4 2023 → Q1 2024
| BNDW Vanguard Total World Bond Et | Reduce -58.2% | 0.36% | −0.56 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -7.5% | 3.71% | −0.15 |
| IGOV iShares International Treasu | Sold out | 0.00% | −0.10 |
| VNQ Vanguard Real Estate ETF | Reduce -1.3% | 0.66% | −0.06 |
| VTIP Vanguard Short-Term Tips | Reduce -2.4% | 0.57% | −0.04 |
| VWO Vanguard Ftse Emerging Marke | Reduce -4.4% | 0.42% | −0.04 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -0.6% | 1.57% | −0.02 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -6.6% | 0.42% | −0.02 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.6% | 0.84% | −0.02 |
| CBT Cabot Corp. | Reduce -6.2% | 0.60% | −0.01 |
| SCHX Schwab US Large-Cap ETF | Reduce -3.2% | 2.54% | +0.01 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -3.8% | 4.34% | +0.33 |
Portfolio Buys Q4 2023 → Q1 2024
| BNDX Vanguard Total Intl Bond ETF | Add +9.8% | 15.67% | +0.47 |
| VTC Vanguard Total Corporate BND | Add +30.9% | 2.15% | +0.39 |
| VOO Vanguard S&P 500 ETF | Add +3.1% | 4.13% | +0.27 |
| VMBS Vanguard Mortgage-Backed Sec | Add +20.7% | 1.95% | +0.21 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.3% | 4.54% | +0.16 |
| DFIP Dimensional Inflation-Protec | Add +17.3% | 1.42% | +0.13 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +2.3% | 1.68% | +0.10 |
| DFAU Dimensional US Core Equity M | New | 0.08% | +0.08 |
| DFAI Dimensional International Co. | New | 0.08% | +0.08 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +9.8% | 0.80% | +0.08 |
| TAST Carrols Restaurant Group Inc. | New | 0.05% | +0.05 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +0.2% | 1.00% | +0.04 |
| STIP iShares 0-5 Year Tips Bond E | Add +5.3% | 4.17% | +0.01 |
| SCHH Schwab US REIT ETF | Add +3.7% | 1.49% | −0.07 |
| SCHP Schwab U.S. Tips ETF | Add +4.9% | 16.72% | −0.21 |
| MBB iShares MBS ETF | Add +4.6% | 12.99% | −0.42 |
| USIG iShares Broad Usd Investment | Add +2.3% | 14.83% | −0.70 |
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 |