Sensible Financial Planning & Management, LLC.
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 8, 2025), Sensible Financial Planning & Management, LLC. reported 37 stock positions worth $526.6 million. Its top holding was Schwab U.S. Tips ETF (SCHP) at 15.3% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 15.1%) and iShares Broad Usd Investment (USIG, 13.6%). Compared with Q1 2025, it opened 7 new positions, added to 11 and reduced 18. The biggest buy was Vanguard S&P 500 ETF (VOO, shares +7%) and the biggest sale iShares Broad Usd Investment (USIG, shares −2%).
- Most Recent 13F
- Q3 2025
- Location
- WALTHAM, MA
- CIK
- 0001567738
- Portfolio Value
- $526.6M (Q2 2025)
- SEC Filing
- 0002063364-25-000195 ↗ filed Aug 8, 2025
Holdings Value
Holdings 37 stocks · $526.6M
| SCHP Schwab U.S. Tips ETF | 15.31% | 3,021,995 | $80.6M | Add +0.6% |
| BNDX Vanguard Total Intl Bond ETF | 15.09% | 1,605,019 | $79.5M | Add +2.8% |
| USIG iShares Broad Usd Investment | 13.60% | 1,392,426 | $71.6M | Reduce -2.0% |
| MBB iShares MBS ETF | 13.16% | 738,128 | $69.3M | Add +7.0% |
| VOO Vanguard S&P 500 ETF | 4.61% | 42,741 | $24.3M | Add +6.6% |
| VTI VG Morningstar TS MKT ETF-US | 4.58% | 79,414 | $24.1M | Reduce -0.1% |
| STIP iShares 0-5 Year Tips Bond E | 4.29% | 219,485 | $22.6M | Add +1.2% |
| MTUM iShares MSCI USA Momentum Fa | 4.19% | 91,777 | $22.1M | Reduce -4.3% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 3.73% | 385,557 | $19.6M | Reduce -0.3% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.83% | 66,210 | $14.9M | Add +2.3% |
| SCHX Schwab US Large-Cap ETF | 2.35% | 507,238 | $12.4M | Add +0.1% |
| VMBS Vanguard Mortgage-Backed Sec | 2.12% | 241,118 | $11.2M | Reduce -3.3% |
| VTC Vanguard Total Corporate BND | 2.11% | 143,651 | $11.1M | Reduce -5.6% |
| SPDW Ste STR SPDR PT DW Eu ETF | 1.36% | 176,641 | $7.2M | Reduce -7.7% |
| DFIP Dimensional Inflation-Protec | 1.35% | 170,489 | $7.1M | Reduce -8.0% |
| SCHH Schwab US REIT ETF | 1.34% | 333,901 | $7.1M | Reduce -6.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.12% | 13,484 | $5.9M | Add +1.2% |
| VEA Vanguard Ftse Developed ETF | 1.04% | 96,277 | $5.5M | Reduce -0.3% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.93% | 20,573 | $4.9M | Add +7.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.58% | 10,942 | $3.1M | Reduce -1.7% |
| VWO Vanguard Ftse Emerging Marke | 0.57% | 61,001 | $3.0M | Reduce -7.0% |
| VNQ Vanguard Real Estate ETF | 0.53% | 31,097 | $2.8M | Reduce -3.1% |
| ESGU iShares ESG Aware MSCI USA | 0.47% | 18,394 | $2.5M | Add +57.0% |
| VTIP Vanguard Short-Term Tips | 0.45% | 46,671 | $2.3M | Reduce -4.0% |
| CBT Cabot Corp. | 0.36% | 25,293 | $1.9M | Reduce -1.2% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.35% | 10,455 | $1.8M | Add +3.2% |
| BNDW Vanguard Total World Bond Et | 0.31% | 23,187 | $1.6M | Reduce -26.5% |
| ESGD iShares Trust iShares ESG Aw | 0.19% | 11,163 | $996K | Reduce -0.4% |
| DFAT Dimensional US Target Value | 0.17% | 16,607 | $896K | Reduce -0.0% |
| ROE Ast US Eq WGT QLTY Kings ETF | 0.16% | 26,189 | $844K | New |
| AGGA Ea Astoria Beacon Dynamic Co. | 0.14% | 29,407 | $742K | New |
| EFAX State Street SPDR MSCI Eafe | 0.12% | 13,872 | $657K | New |
| GQQQ Astoria US Qlity GRW KNG ETF | 0.11% | 22,153 | $600K | New |
| SPTI SS SPDR P Int Term TSY ETF | 0.11% | 20,577 | $592K | New |
| DMBS Doubleline Mortgage ETF | 0.09% | 10,086 | $495K | New |
| ESGE iShares Inc. iShares ESG Awar | 0.08% | 11,273 | $442K | New |
| DFAI Dimensional International Co. | 0.08% | 12,682 | $438K | No change |
Portfolio Sells Q1 2025 → Q2 2025
| USIG iShares Broad Usd Investment | Reduce -2.0% | 13.60% | −0.88 |
| VTC Vanguard Total Corporate BND | Reduce -5.6% | 2.11% | −0.22 |
| DFIP Dimensional Inflation-Protec | Reduce -8.0% | 1.35% | −0.20 |
| SCHH Schwab US REIT ETF | Reduce -6.1% | 1.34% | −0.18 |
| VMBS Vanguard Mortgage-Backed Sec | Reduce -3.3% | 2.12% | −0.18 |
| BNDW Vanguard Total World Bond Et | Reduce -26.5% | 0.31% | −0.13 |
| CBT Cabot Corp. | Reduce -1.2% | 0.36% | −0.06 |
| VNQ Vanguard Real Estate ETF | Reduce -3.1% | 0.53% | −0.05 |
| VTIP Vanguard Short-Term Tips | Reduce -4.0% | 0.45% | −0.04 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -7.7% | 1.36% | −0.03 |
| VWO Vanguard Ftse Emerging Marke | Reduce -7.0% | 0.57% | −0.02 |
| DFAT Dimensional US Target Value | Reduce -0.0% | 0.17% | −0.00 |
| ESGD iShares Trust iShares ESG Aw | Reduce -0.4% | 0.19% | +0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -1.7% | 0.58% | +0.01 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.3% | 1.04% | +0.06 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -0.3% | 3.73% | +0.20 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -0.1% | 4.58% | +0.22 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -4.3% | 4.19% | +0.32 |
Portfolio Buys Q1 2025 → Q2 2025
| VOO Vanguard S&P 500 ETF | Add +6.6% | 4.61% | +0.50 |
| MBB iShares MBS ETF | Add +7.0% | 13.16% | +0.25 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +2.3% | 2.83% | +0.23 |
| ESGU iShares ESG Aware MSCI USA | Add +57.0% | 0.47% | +0.19 |
| ROE Ast US Eq WGT QLTY Kings ETF | New | 0.16% | +0.16 |
| AGGA Ea Astoria Beacon Dynamic Co. | New | 0.14% | +0.14 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +1.2% | 1.12% | +0.14 |
| EFAX State Street SPDR MSCI Eafe | New | 0.12% | +0.12 |
| SCHX Schwab US Large-Cap ETF | Add +0.1% | 2.35% | +0.12 |
| GQQQ Astoria US Qlity GRW KNG ETF | New | 0.11% | +0.11 |
| SPTI SS SPDR P Int Term TSY ETF | New | 0.11% | +0.11 |
| DMBS Doubleline Mortgage ETF | New | 0.09% | +0.09 |
| ESGE iShares Inc. iShares ESG Awar | New | 0.08% | +0.08 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +7.5% | 0.93% | +0.08 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +3.2% | 0.35% | +0.00 |
| BNDX Vanguard Total Intl Bond ETF | Add +2.8% | 15.09% | −0.12 |
| STIP iShares 0-5 Year Tips Bond E | Add +1.2% | 4.29% | −0.19 |
| SCHP Schwab U.S. Tips ETF | Add +0.6% | 15.31% | −0.82 |
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 |