Sensible Money, LLC

In its 13F for Q3 2024 (holdings as of September 30, 2024, filed October 16, 2024), Sensible Money, LLC reported 86 stock positions worth $228.9 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 25.4% of the portfolio, followed by Dimensional US Target Value (DFAT, 18.2%) and Dimensional World Ex US Core (DFAX, 10.4%). Compared with Q2 2024, it opened 5 new positions, sold out of 1, added to 31 and reduced 17. The biggest buy was Apple (AAPL, shares +92%) and the biggest sale Dimensional World Ex US Core (DFAX, shares −1%).

Most Recent 13F
Q2 2026
Location
SCOTTSDALE, AZ
CIK
0001965229
Portfolio Value
$228.9M (Q3 2024)
SEC Filing
0001085146-24-004957 ↗ filed Oct 16, 2024

Holdings Value

0$100.0M$200.0M$300.0M$400.0M Q1 2024: $186.0M Q1 2024 Q2 2024: $205.1M Q2 2024 Q3 2024: $228.9M $228.9M Q3 2024 Q4 2024: $228.1M Q4 2024 Q1 2025: $233.4M Q1 2025 Q2 2025: $263.8M Q2 2025 Q3 2025: $294.2M Q3 2025 Q4 2025: $313.1M Q4 2025 Q1 2026: $328.7M Q1 2026 Q2 2026: $377.1M Q2 2026

Holdings 86 stocks · $228.9M
DFAC Dimensional US Core Equity 2 25.40% 1,695,128 $58.1M Add +1.8%
DFAT Dimensional US Target Value 18.20% 748,877 $41.7M Add +3.3%
DFAX Dimensional World Ex US Core 10.40% 881,193 $23.8M Reduce -1.0%
DFEV Dimensional Emrg MRKT Val 7.24% 582,486 $16.6M Add +5.1%
DFEM Dimensional Emrg MRKT Core 6.64% 540,129 $15.2M Add +8.3%
DISV Dimensional International SM 3.91% 308,122 $9.0M Add +2.1%
DFIC Dimensional International Co. 3.44% 280,092 $7.9M Add +41.8%
AAPL Apple Inc. 3.28% 32,217 $7.5M Add +92.4%
SCHA Schwab US Small-Cap ETF 1.34% 59,456 $3.1M Reduce -0.0%
FNDE Schwab Fndmntl Em MRK Eq ETF 1.26% 89,632 $2.9M Reduce -0.3%
FCX Freeport-McMoran Inc. 1.09% 49,927 $2.5M Add +0.0%
SPY SS SPDR S&P 500 ETF Trust-US 0.89% 3,533 $2.0M Add +48.2%
SLYV SS SPDR S&P 600 SC Val ETF 0.79% 20,758 $1.8M Add +2.2%
DFUS Dimensional US Eq MKT ETF 0.69% 25,336 $1.6M Add +28.0%
VOO Vanguard S&P 500 ETF 0.64% 2,769 $1.5M Add +16.4%
VTI VG Morningstar TS MKT ETF-US 0.59% 4,809 $1.4M Reduce -29.1%
IEMG iShares Core MSCI Emerging 0.55% 22,115 $1.3M Reduce -1.3%
IWV iShares Russell 3000 ETF 0.53% 3,729 $1.2M Reduce -7.7%
VEA Vanguard Ftse Developed ETF 0.48% 20,911 $1.1M No change
IVV iShares Core S&P 500 ETF 0.48% 1,894 $1.1M Reduce -3.8%
MSFT Microsoft Corp. 0.47% 2,525 $1.1M Add +0.4%
BSCO Invesco Bulletshares 2024 CB 0.39% 42,012 $887K No change
GOOGL Alphabet Inc. Class A 0.37% 5,162 $856K Add +0.6%
AVES Avantis Emerging Markets Val 0.37% 16,320 $851K No change
QTEC First Trust Nasdq 100 Tech I 0.36% 4,266 $816K No change
USMV iShares MSCI USA Min Vol Fac 0.35% 8,727 $797K Add +1.4%
IJR iShares Core S&P Small-Cap E 0.34% 6,691 $783K Reduce -27.6%
EZM Wisdomtree US Midcap Fund 0.33% 12,046 $751K No change
SPLV Invesco S&P 500 Low Volatili 0.33% 10,453 $750K No change
FNDC Schwab Fndmnt Intl SM Eq ETF 0.33% 19,606 $748K Reduce -0.2%
RSPH Invesco S&P 500 Equal Weight 0.31% 21,825 $703K Reduce -6.7%
AMZN Amazon.com Inc. 0.30% 3,630 $676K Add +1.1%
AVEM Avantis Emerging Markets Eq 0.28% 10,062 $650K No change
GOOG Alphabet Inc. Class C 0.25% 3,378 $565K No change
NVDA Nvidia Corp. 0.24% 4,449 $540K Add +0.9%
BSCS Invesco Bulletshares 2028 CB 0.23% 25,077 $516K Add +17.7%
BSCQ Invesco Bulletshares 2026 CB 0.22% 26,012 $509K Add +10.9%
QQQ Invesco QQQ Trust Series 1 0.22% 1,036 $506K Add +7.1%
IYW iShares Ustechnology ETF 0.21% 3,200 $485K No change
JPM JPMorgan Chase & Co. 0.20% 2,220 $468K Add +0.5%
PKW Invesco Buyback Achievers Et 0.20% 4,019 $460K No change
IEFA iShares Core MSCI Eafe ETF 0.20% 5,870 $458K Add +2.2%
MDYV SS SPDR S&P 400 MC Val ETF 0.20% 5,747 $457K No change
BSCP Invesco Bulletshares 2025 CB 0.20% 22,056 $455K Add +4.6%
BSCR Invesco Bulletshares 2027 CB 0.19% 22,358 $441K Add +4.8%
DFLV Dim US Large Cap Value ETF 0.19% 14,290 $440K Add +15.2%
PDN Inv Rafi Dev MKT US SM-Usdin 0.19% 12,499 $439K Reduce -26.6%
IJJ iShares S&P Mid-Cap 400 Valu 0.18% 3,423 $423K Add +2.8%
ACWV iShares MSCI Global Min Vol 0.18% 3,647 $418K No change
QUAL iShares MSCI USA Quality Fac 0.17% 2,141 $384K Add +2.1%
IJT iShares S&P Small-Cap 600 GR 0.17% 2,743 $383K Add +4.0%
VUG Vanguard Mrngstar GR ETF-Sui 0.17% 990 $380K No change
FDN First Trust DJ Internet Ind 0.17% 1,788 $379K No change
VBK Van Morst SML-Cap Gro-Usd Inc. 0.16% 1,394 $373K No change
SLYG SS SPDR S&P 600 SC GR ETF 0.16% 3,829 $356K Reduce -1.2%
SPDW Ste STR SPDR PT DW Eu ETF 0.15% 9,376 $352K No change
ISCV iShares Morningstar Small-Ca 0.15% 5,538 $352K No change
PFI Invesco Dorsey Wright Financ 0.14% 5,973 $331K No change
VIG Vanguard Dividend Apprec ETF 0.14% 1,596 $316K No change
BSCU Invesco Bulletshares 2030 CB 0.13% 18,117 $307K Add +47.0%
COST Costco Wholesale Corp. 0.13% 342 $303K No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.13% 1,086 $287K Add +8.1%
PRK Park National Corp. 0.12% 1,688 $284K Reduce -22.9%
DGRW Wisdomtree U.S. Quality Divi 0.12% 3,337 $278K No change
VB Vanguard Most SM-Cap ETF-Usd 0.12% 1,166 $277K Add +9.9%
VTV Vanguard Mrngstr Val ETF-Aui 0.12% 1,570 $274K Reduce -17.1%
BSCT Invesco Bulletshares 2029 CB 0.12% 14,563 $274K New
XMLV Invesco S&P Midcap Low Volat 0.11% 4,275 $261K No change
MOAT Vaneck Morningstar Wide Moat 0.11% 2,589 $251K No change
AOR iShares Core 60/40 Balanced 0.11% 4,100 $243K No change
DVY iShares Select Dividend ETF 0.11% 1,787 $241K New
SCHD Schwab US DVD Equity ETF 0.11% 2,846 $241K No change
BFOR Barron's 400 ETF 0.10% 3,236 $232K No change
ITOT iShares Core S&P Total U.S. 0.10% 1,838 $231K No change
IYG iShares U.S. Financial Servi 0.10% 3,213 $228K No change
EFA iShares MSCI Eafe ETF 0.10% 2,702 $226K Reduce -15.6%
SCHX Schwab US Large-Cap ETF 0.10% 3,295 $224K No change
PTNQ Pacer Trendpilot 100 ETF 0.10% 3,000 $220K No change
RDVY First Trust Rising Dividend 0.09% 3,665 $217K No change
ETHE Grayscale Ethereum Staking E 0.09% 9,765 $214K New
UNH Unitedhealth Group Inc. 0.09% 359 $210K New
V Visa Inc. Class A 0.09% 758 $208K New
SCHC Schwab Intl Small-Cap Equity 0.09% 5,343 $206K Reduce -12.0%
ABBV Abbvie Inc. 0.09% 1,020 $201K Reduce -23.2%
ETW Eaton Vance T/M GLBL Buy-WR 0.06% 14,586 $127K No change
PACIRA BIOSCIENCES INC (PCRX 0.75 08/01/25) 0.00% 10,000 $9K No change

Portfolio Sells Q2 2024 → Q3 2024
DFAX Dimensional World Ex US Core Reduce -1.0% 10.40% −0.64
VTI VG Morningstar TS MKT ETF-US Reduce -29.1% 0.59% −0.29
VXUS Vanguard Total Intl Stock Sold out 0.00% −0.21
IJR iShares Core S&P Small-Cap E Reduce -27.6% 0.34% −0.14
PDN Inv Rafi Dev MKT US SM-Usdin Reduce -26.6% 0.19% −0.08
IWV iShares Russell 3000 ETF Reduce -7.7% 0.53% −0.08
IVV iShares Core S&P 500 ETF Reduce -3.8% 0.48% −0.05
SCHA Schwab US Small-Cap ETF Reduce -0.0% 1.34% −0.04
RSPH Invesco S&P 500 Equal Weight Reduce -6.7% 0.31% −0.04
FNDE Schwab Fndmntl Em MRK Eq ETF Reduce -0.3% 1.26% −0.03
IEMG iShares Core MSCI Emerging Reduce -1.3% 0.55% −0.03
VTV Vanguard Mrngstr Val ETF-Aui Reduce -17.1% 0.12% −0.03
PRK Park National Corp. Reduce -22.9% 0.12% −0.03
EFA iShares MSCI Eafe ETF Reduce -15.6% 0.10% −0.02
ABBV Abbvie Inc. Reduce -23.2% 0.09% −0.02
SCHC Schwab Intl Small-Cap Equity Reduce -12.0% 0.09% −0.02
SLYG SS SPDR S&P 600 SC GR ETF Reduce -1.2% 0.16% −0.01
FNDC Schwab Fndmnt Intl SM Eq ETF Reduce -0.2% 0.33% −0.01

Portfolio Buys Q2 2024 → Q3 2024
AAPL Apple Inc. Add +92.4% 3.28% +1.56
DFIC Dimensional International Co. Add +41.8% 3.44% +0.91
SPY SS SPDR S&P 500 ETF Trust-US Add +48.2% 0.89% +0.25
DFEM Dimensional Emrg MRKT Core Add +8.3% 6.64% +0.14
DFUS Dimensional US Eq MKT ETF Add +28.0% 0.69% +0.12
BSCT Invesco Bulletshares 2029 CB New 0.12% +0.12
DVY iShares Select Dividend ETF New 0.11% +0.11
ETHE Grayscale Ethereum Staking E New 0.09% +0.09
UNH Unitedhealth Group Inc. New 0.09% +0.09
V Visa Inc. Class A New 0.09% +0.09
VOO Vanguard S&P 500 ETF Add +16.4% 0.64% +0.06
BSCU Invesco Bulletshares 2030 CB Add +47.0% 0.13% +0.04
BSCS Invesco Bulletshares 2028 CB Add +17.7% 0.23% +0.02
DFLV Dim US Large Cap Value ETF Add +15.2% 0.19% +0.02
SLYV SS SPDR S&P 600 SC Val ETF Add +2.2% 0.79% +0.01
VB Vanguard Most SM-Cap ETF-Usd Add +9.9% 0.12% +0.01
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +8.1% 0.13% +0.01
BSCQ Invesco Bulletshares 2026 CB Add +10.9% 0.22% +0.00
IJT iShares S&P Small-Cap 600 GR Add +4.0% 0.17% +0.00
IJJ iShares S&P Mid-Cap 400 Valu Add +2.8% 0.18% +0.00
IEFA iShares Core MSCI Eafe ETF Add +2.2% 0.20% −0.00
USMV iShares MSCI USA Min Vol Fac Add +1.4% 0.35% −0.00
QQQ Invesco QQQ Trust Series 1 Add +7.1% 0.22% −0.01
QUAL iShares MSCI USA Quality Fac Add +2.1% 0.17% −0.01
BSCR Invesco Bulletshares 2027 CB Add +4.8% 0.19% −0.01
BSCP Invesco Bulletshares 2025 CB Add +4.6% 0.20% −0.01
JPM JPMorgan Chase & Co. Add +0.5% 0.20% −0.01
NVDA Nvidia Corp. Add +0.9% 0.24% −0.03
AMZN Amazon.com Inc. Add +1.1% 0.30% −0.04
DISV Dimensional International SM Add +2.1% 3.91% −0.05
MSFT Microsoft Corp. Add +0.4% 0.47% −0.07
GOOGL Alphabet Inc. Class A Add +0.6% 0.37% −0.08
FCX Freeport-McMoran Inc. Add +0.0% 1.09% −0.09
DFAT Dimensional US Target Value Add +3.3% 18.20% −0.15
DFEV Dimensional Emrg MRKT Val Add +5.1% 7.24% −0.19
DFAC Dimensional US Core Equity 2 Add +1.8% 25.40% −0.79

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 101$377.1MDFAC, DFAT, DFEV, DFEM, DFIC
Q1 2026 86$328.7MDFAC, DFAT, DFEV, DFEM, DFIC
Q4 2025 86$313.1MDFAC, DFAT, DFAX, DFEV, DFEM
Q3 2025 88$294.2MDFAC, DFAT, DFAX, DFEM, DFEV
Q2 2025 87$263.8MDFAC, DFAT, DFAX, DFEV, DFEM
Q1 2025 83$233.4MDFAC, DFAT, DFAX, DFEV, DFEM
Q4 2024 82$228.1MDFAC, DFAT, DFAX, DFEV, DFEM
Q3 2024 86$228.9MDFAC, DFAT, DFAX, DFEV, DFEM
Q2 2024 82$205.1MDFAC, DFAT, DFAX, DFEV, DFEM
Q1 2024 82$186.0MDFAC, DFAT, DFAX, DFEV, DFEM