Sensible Financial Planning & Management, LLC.
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 28, 2024), Sensible Financial Planning & Management, LLC. reported 53 stock positions worth $506.5 million. Its top holding was Schwab U.S. Tips ETF (SCHP) at 15.8% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 15.2%) and iShares Broad Usd Investment (USIG, 14.6%). Compared with Q2 2024, it opened 26 new positions, added to 15 and reduced 10. The biggest buy was a new position in Vngrd Mrngstr MD-Cap ETF-Usd (VO) and the biggest sale iShares MSCI USA Momentum Fa (MTUM, shares −2%).
- Most Recent 13F
- Q3 2025
- Location
- WALTHAM, MA
- CIK
- 0001567738
- Portfolio Value
- $506.5M (Q3 2024)
- SEC Filing
- 0001567738-24-000011 ↗ filed Oct 28, 2024
Holdings Value
Holdings 53 stocks · $506.5M
| SCHP Schwab U.S. Tips ETF | 15.84% | 1,495,734 | $80.2M | Add +1.7% |
| BNDX Vanguard Total Intl Bond ETF | 15.20% | 1,531,296 | $77.0M | Add +1.2% |
| USIG iShares Broad Usd Investment | 14.59% | 1,405,406 | $73.9M | Add +1.7% |
| MBB iShares MBS ETF | 12.65% | 668,862 | $64.1M | Add +1.2% |
| VTI VG Morningstar TS MKT ETF-US | 4.39% | 78,499 | $22.2M | Add +1.7% |
| MTUM iShares MSCI USA Momentum Fa | 4.05% | 101,296 | $20.5M | Reduce -1.8% |
| STIP iShares 0-5 Year Tips Bond E | 4.04% | 202,099 | $20.5M | Add +1.5% |
| VOO Vanguard S&P 500 ETF | 3.95% | 37,918 | $20.0M | Reduce -1.3% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 3.60% | 386,001 | $18.2M | Add +0.4% |
| SCHX Schwab US Large-Cap ETF | 2.35% | 175,580 | $11.9M | Reduce -4.3% |
| VTC Vanguard Total Corporate BND | 2.05% | 130,636 | $10.4M | Reduce -0.3% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 1.82% | 44,671 | $9.2M | Add +4.7% |
| VMBS Vanguard Mortgage-Backed Sec | 1.81% | 194,669 | $9.2M | Add +1.3% |
| SPDW Ste STR SPDR PT DW Eu ETF | 1.79% | 241,928 | $9.1M | Add +2.3% |
| SCHH Schwab US REIT ETF | 1.61% | 351,695 | $8.1M | Add +1.3% |
| DFIP Dimensional Inflation-Protec | 1.10% | 132,247 | $5.6M | Add +5.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.99% | 13,031 | $5.0M | Reduce -0.5% |
| VEA Vanguard Ftse Developed ETF | 0.94% | 90,263 | $4.8M | Add +19.9% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.71% | 15,161 | $3.6M | Reduce -7.1% |
| VNQ Vanguard Real Estate ETF | 0.63% | 32,871 | $3.2M | Reduce -3.4% |
| CBT Cabot Corp. | 0.60% | 27,337 | $3.1M | Reduce -3.0% |
| VWO Vanguard Ftse Emerging Marke | 0.56% | 59,614 | $2.9M | Add +13.6% |
| VTIP Vanguard Short-Term Tips | 0.49% | 50,155 | $2.5M | Reduce -1.2% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.45% | 8,630 | $2.3M | New |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.41% | 11,862 | $2.1M | Reduce -2.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.39% | 3,453 | $2.0M | New |
| AAPL Apple Inc. | 0.31% | 6,770 | $1.6M | New |
| VTHR Vanguard Russell 3000 | 0.30% | 6,038 | $1.5M | New |
| ESGU iShares ESG Aware MSCI USA | 0.22% | 8,770 | $1.1M | New |
| BNDW Vanguard Total World Bond Et | 0.20% | 14,227 | $1.0M | Add +13.6% |
| TPL Texas Pacific Land Corp. | 0.19% | 1,077 | $953K | New |
| DFAT Dimensional US Target Value | 0.18% | 16,608 | $924K | No change |
| DHR Danaher Corp. | 0.14% | 2,523 | $701K | New |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.13% | 3,379 | $678K | New |
| ESGD iShares Trust iShares ESG Aw | 0.12% | 7,027 | $591K | New |
| VT Vanguard Tot World STK ETF | 0.11% | 4,742 | $568K | New |
| EFA iShares MSCI Eafe ETF | 0.10% | 6,224 | $521K | New |
| IWB iShares Russell 1000 ETF | 0.10% | 1,608 | $506K | New |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.08% | 1,560 | $411K | New |
| DFAI Dimensional International Co. | 0.08% | 12,682 | $403K | No change |
| EEM iShares MSCI Emerging Market | 0.07% | 8,248 | $378K | New |
| IEMG iShares Core MSCI Emerging | 0.07% | 6,083 | $349K | New |
| BIL SS SPDR BB 1-3M T-Bill ETF | 0.06% | 3,535 | $325K | New |
| MSFT Microsoft Corp. | 0.06% | 741 | $319K | New |
| QQQ Invesco QQQ Trust Series 1 | 0.06% | 644 | $314K | New |
| VIG Vanguard Dividend Apprec ETF | 0.06% | 1,461 | $289K | New |
| IJS iShares S&P Small-Cap 600 Va | 0.05% | 2,495 | $269K | New |
| IVE iShares S&P 500 Value ETF | 0.05% | 1,251 | $247K | New |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.05% | 1,372 | $230K | New |
| SPTM SS SPDR P S&P 1500 Comp ETF | 0.04% | 3,084 | $216K | New |
| ESGE iShares Inc. iShares ESG Awar | 0.04% | 5,854 | $213K | New |
| VXUS Vanguard Total Intl Stock | 0.04% | 3,273 | $212K | New |
| IVV iShares Core S&P 500 ETF | 0.04% | 352 | $203K | New |
Portfolio Sells Q2 2024 → Q3 2024
| MTUM iShares MSCI USA Momentum Fa | Reduce -1.8% | 4.05% | −0.29 |
| VOO Vanguard S&P 500 ETF | Reduce -1.3% | 3.95% | −0.20 |
| SCHX Schwab US Large-Cap ETF | Reduce -4.3% | 2.35% | −0.20 |
| VTC Vanguard Total Corporate BND | Reduce -0.3% | 2.05% | −0.10 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.5% | 0.99% | −0.07 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -7.1% | 0.71% | −0.06 |
| VTIP Vanguard Short-Term Tips | Reduce -1.2% | 0.49% | −0.04 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -2.0% | 0.41% | −0.01 |
| VNQ Vanguard Real Estate ETF | Reduce -3.4% | 0.63% | +0.02 |
| CBT Cabot Corp. | Reduce -3.0% | 0.60% | +0.04 |
Portfolio Buys Q2 2024 → Q3 2024
| VO Vngrd Mrngstr MD-Cap ETF-Usd | New | 0.45% | +0.45 |
| SPY SS SPDR S&P 500 ETF Trust-US | New | 0.39% | +0.39 |
| AAPL Apple Inc. | New | 0.31% | +0.31 |
| VTHR Vanguard Russell 3000 | New | 0.30% | +0.30 |
| ESGU iShares ESG Aware MSCI USA | New | 0.22% | +0.22 |
| TPL Texas Pacific Land Corp. | New | 0.19% | +0.19 |
| DHR Danaher Corp. | New | 0.14% | +0.14 |
| VEA Vanguard Ftse Developed ETF | Add +19.9% | 0.94% | +0.14 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | New | 0.13% | +0.13 |
| ESGD iShares Trust iShares ESG Aw | New | 0.12% | +0.12 |
| VT Vanguard Tot World STK ETF | New | 0.11% | +0.11 |
| SCHH Schwab US REIT ETF | Add +1.3% | 1.61% | +0.11 |
| EFA iShares MSCI Eafe ETF | New | 0.10% | +0.10 |
| IWB iShares Russell 1000 ETF | New | 0.10% | +0.10 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | New | 0.08% | +0.08 |
| EEM iShares MSCI Emerging Market | New | 0.07% | +0.07 |
| IEMG iShares Core MSCI Emerging | New | 0.07% | +0.07 |
| VWO Vanguard Ftse Emerging Marke | Add +13.6% | 0.56% | +0.07 |
| BIL SS SPDR BB 1-3M T-Bill ETF | New | 0.06% | +0.06 |
| MSFT Microsoft Corp. | New | 0.06% | +0.06 |
| QQQ Invesco QQQ Trust Series 1 | New | 0.06% | +0.06 |
| VIG Vanguard Dividend Apprec ETF | New | 0.06% | +0.06 |
| IJS iShares S&P Small-Cap 600 Va | New | 0.05% | +0.05 |
| IVE iShares S&P 500 Value ETF | New | 0.05% | +0.05 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | New | 0.05% | +0.05 |
| SPTM SS SPDR P S&P 1500 Comp ETF | New | 0.04% | +0.04 |
| ESGE iShares Inc. iShares ESG Awar | New | 0.04% | +0.04 |
| VXUS Vanguard Total Intl Stock | New | 0.04% | +0.04 |
| IVV iShares Core S&P 500 ETF | New | 0.04% | +0.04 |
| BNDW Vanguard Total World Bond Et | Add +13.6% | 0.20% | +0.01 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +4.7% | 1.82% | +0.00 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +2.3% | 1.79% | +0.00 |
| DFIP Dimensional Inflation-Protec | Add +5.3% | 1.10% | −0.00 |
| VMBS Vanguard Mortgage-Backed Sec | Add +1.3% | 1.81% | −0.07 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.7% | 4.39% | −0.07 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Add +0.4% | 3.60% | −0.11 |
| STIP iShares 0-5 Year Tips Bond E | Add +1.5% | 4.04% | −0.24 |
| USIG iShares Broad Usd Investment | Add +1.7% | 14.59% | −0.41 |
| MBB iShares MBS ETF | Add +1.2% | 12.65% | −0.46 |
| SCHP Schwab U.S. Tips ETF | Add +1.7% | 15.84% | −0.69 |
| BNDX Vanguard Total Intl Bond ETF | Add +1.2% | 15.20% | −0.72 |
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 |