Sensible Financial Planning & Management, LLC.
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 7, 2025), Sensible Financial Planning & Management, LLC. reported 29 stock positions worth $482.5 million. Its top holding was Schwab U.S. Tips ETF (SCHP) at 15.7% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 15.3%) and iShares Broad Usd Investment (USIG, 14.7%). Compared with Q3 2024, it sold out of 24, added to 13 and reduced 14. The biggest buy was Vngrd Mrngstr MG Cap ETF-Usd (MGC, shares +24%) and the biggest sale an exit from Vngrd Mrngstr MD-Cap ETF-Usd (VO).
- Most Recent 13F
- Q3 2025
- Location
- WALTHAM, MA
- CIK
- 0001567738
- Portfolio Value
- $482.5M (Q4 2024)
- SEC Filing
- 0001567738-25-000002 ↗ filed Feb 7, 2025
Holdings Value
Holdings 29 stocks · $482.5M
| SCHP Schwab U.S. Tips ETF | 15.72% | 2,935,521 | $75.8M | Reduce -1.9% |
| BNDX Vanguard Total Intl Bond ETF | 15.33% | 1,508,330 | $74.0M | Reduce -1.5% |
| USIG iShares Broad Usd Investment | 14.66% | 1,406,474 | $70.7M | Add +0.1% |
| MBB iShares MBS ETF | 12.73% | 669,913 | $61.4M | Add +0.2% |
| VTI VG Morningstar TS MKT ETF-US | 4.55% | 75,688 | $21.9M | Reduce -3.6% |
| STIP iShares 0-5 Year Tips Bond E | 4.41% | 211,444 | $21.3M | Add +4.6% |
| VOO Vanguard S&P 500 ETF | 4.34% | 38,848 | $20.9M | Add +2.5% |
| MTUM iShares MSCI USA Momentum Fa | 4.19% | 97,813 | $20.2M | Reduce -3.4% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 3.81% | 381,707 | $18.4M | Reduce -1.1% |
| SCHX Schwab US Large-Cap ETF | 2.44% | 507,984 | $11.8M | Reduce -3.6% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.43% | 55,219 | $11.7M | Add +23.6% |
| VTC Vanguard Total Corporate BND | 2.22% | 141,664 | $10.7M | Add +8.4% |
| VMBS Vanguard Mortgage-Backed Sec | 2.02% | 215,351 | $9.8M | Add +10.6% |
| SPDW Ste STR SPDR PT DW Eu ETF | 1.80% | 253,816 | $8.7M | Add +4.9% |
| SCHH Schwab US REIT ETF | 1.52% | 347,612 | $7.3M | Reduce -1.2% |
| DFIP Dimensional Inflation-Protec | 1.46% | 173,641 | $7.0M | Add +31.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.11% | 13,013 | $5.3M | Reduce -0.1% |
| VEA Vanguard Ftse Developed ETF | 0.89% | 89,336 | $4.3M | Reduce -1.0% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.80% | 15,963 | $3.8M | Add +5.3% |
| VNQ Vanguard Real Estate ETF | 0.60% | 32,496 | $2.9M | Reduce -1.1% |
| VWO Vanguard Ftse Emerging Marke | 0.53% | 58,033 | $2.6M | Reduce -2.6% |
| CBT Cabot Corp. | 0.49% | 25,941 | $2.4M | Reduce -5.1% |
| VTIP Vanguard Short-Term Tips | 0.49% | 48,703 | $2.4M | Reduce -2.9% |
| BNDW Vanguard Total World Bond Et | 0.36% | 25,829 | $1.8M | Add +81.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.36% | 10,145 | $1.7M | Reduce -14.5% |
| ESGU iShares ESG Aware MSCI USA | 0.31% | 11,615 | $1.5M | Add +32.4% |
| DFAT Dimensional US Target Value | 0.19% | 16,608 | $924K | No change |
| ESGD iShares Trust iShares ESG Aw | 0.18% | 11,386 | $867K | Add +62.0% |
| DFAI Dimensional International Co. | 0.08% | 12,682 | $370K | No change |
Portfolio Sells Q3 2024 → Q4 2024
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Sold out | 0.00% | −0.45 |
| SPY SS SPDR S&P 500 ETF Trust-US | Sold out | 0.00% | −0.39 |
| AAPL Apple Inc. | Sold out | 0.00% | −0.31 |
| VTHR Vanguard Russell 3000 | Sold out | 0.00% | −0.30 |
| TPL Texas Pacific Land Corp. | Sold out | 0.00% | −0.19 |
| DHR Danaher Corp. | Sold out | 0.00% | −0.14 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Sold out | 0.00% | −0.13 |
| SCHP Schwab U.S. Tips ETF | Reduce -1.9% | 15.72% | −0.12 |
| CBT Cabot Corp. | Reduce -5.1% | 0.49% | −0.11 |
| VT Vanguard Tot World STK ETF | Sold out | 0.00% | −0.11 |
| EFA iShares MSCI Eafe ETF | Sold out | 0.00% | −0.10 |
| IWB iShares Russell 1000 ETF | Sold out | 0.00% | −0.10 |
| SCHH Schwab US REIT ETF | Reduce -1.2% | 1.52% | −0.09 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Sold out | 0.00% | −0.08 |
| EEM iShares MSCI Emerging Market | Sold out | 0.00% | −0.07 |
| IEMG iShares Core MSCI Emerging | Sold out | 0.00% | −0.07 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Sold out | 0.00% | −0.06 |
| MSFT Microsoft Corp. | Sold out | 0.00% | −0.06 |
| QQQ Invesco QQQ Trust Series 1 | Sold out | 0.00% | −0.06 |
| VIG Vanguard Dividend Apprec ETF | Sold out | 0.00% | −0.06 |
| VEA Vanguard Ftse Developed ETF | Reduce -1.0% | 0.89% | −0.06 |
| IJS iShares S&P Small-Cap 600 Va | Sold out | 0.00% | −0.05 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -14.5% | 0.36% | −0.05 |
| IVE iShares S&P 500 Value ETF | Sold out | 0.00% | −0.05 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Sold out | 0.00% | −0.05 |
| SPTM SS SPDR P S&P 1500 Comp ETF | Sold out | 0.00% | −0.04 |
| ESGE iShares Inc. iShares ESG Awar | Sold out | 0.00% | −0.04 |
| VXUS Vanguard Total Intl Stock | Sold out | 0.00% | −0.04 |
| IVV iShares Core S&P 500 ETF | Sold out | 0.00% | −0.04 |
| VWO Vanguard Ftse Emerging Marke | Reduce -2.6% | 0.53% | −0.03 |
| VNQ Vanguard Real Estate ETF | Reduce -1.1% | 0.60% | −0.03 |
| VTIP Vanguard Short-Term Tips | Reduce -2.9% | 0.49% | +0.00 |
| SCHX Schwab US Large-Cap ETF | Reduce -3.6% | 2.44% | +0.09 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -0.1% | 1.11% | +0.12 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -1.5% | 15.33% | +0.13 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -3.4% | 4.19% | +0.14 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -3.6% | 4.55% | +0.16 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -1.1% | 3.81% | +0.21 |
Portfolio Buys Q3 2024 → Q4 2024
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +23.6% | 2.43% | +0.61 |
| VOO Vanguard S&P 500 ETF | Add +2.5% | 4.34% | +0.39 |
| STIP iShares 0-5 Year Tips Bond E | Add +4.6% | 4.41% | +0.37 |
| DFIP Dimensional Inflation-Protec | Add +31.3% | 1.46% | +0.35 |
| VMBS Vanguard Mortgage-Backed Sec | Add +10.6% | 2.02% | +0.21 |
| VTC Vanguard Total Corporate BND | Add +8.4% | 2.22% | +0.18 |
| BNDW Vanguard Total World Bond Et | Add +81.5% | 0.36% | +0.17 |
| ESGU iShares ESG Aware MSCI USA | Add +32.4% | 0.31% | +0.09 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +5.3% | 0.80% | +0.09 |
| MBB iShares MBS ETF | Add +0.2% | 12.73% | +0.08 |
| USIG iShares Broad Usd Investment | Add +0.1% | 14.66% | +0.07 |
| ESGD iShares Trust iShares ESG Aw | Add +62.0% | 0.18% | +0.06 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +4.9% | 1.80% | +0.00 |
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 |