Sensible Money, LLC

In its 13F for Q1 2025 (holdings as of March 31, 2025, filed May 13, 2025), Sensible Money, LLC reported 83 stock positions worth $233.4 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 25.5% of the portfolio, followed by Dimensional US Target Value (DFAT, 18.7%) and Dimensional World Ex US Core (DFAX, 9.4%). Compared with Q4 2024, it opened 2 new positions, sold out of 1, added to 31 and reduced 16. The biggest buy was Dimensional International (DFIC, shares +29%) and the biggest sale SS SPDR S&P 500 ETF Trust-US (SPY, shares −11%).

Most Recent 13F
Q2 2026
Location
SCOTTSDALE, AZ
CIK
0001965229
Portfolio Value
$233.4M (Q1 2025)
SEC Filing
0001085146-25-003050 ↗ filed May 13, 2025

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 Q3 2024 Q4 2024: $228.1M Q4 2024 Q1 2025: $233.4M $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 83 stocks · $233.4M
DFAC Dimensional US Core Equity 2 25.47% 1,801,981 $59.4M Add +4.5%
DFAT Dimensional US Target Value 18.71% 848,025 $43.7M Add +7.1%
DFAX Dimensional World Ex US Core 9.38% 835,632 $21.9M Reduce -3.6%
DFEV Dimensional Emrg MRKT Val 7.38% 636,963 $17.2M Add +6.6%
DFEM Dimensional Emrg MRKT Core 7.23% 637,927 $16.9M Add +10.2%
DFIC Dimensional International Co. 5.12% 430,656 $12.0M Add +29.5%
DISV Dimensional International SM 4.12% 330,628 $9.6M Reduce -0.8%
AAPL Apple Inc. 3.05% 32,076 $7.1M Add +0.2%
SCHA Schwab US Small-Cap ETF 1.19% 118,818 $2.8M Add +0.5%
FNDE Schwab Fndmntl Em MRK Eq ETF 1.18% 89,134 $2.7M Reduce -0.4%
FCX Freeport-McMoran Inc. 0.91% 55,975 $2.1M Add +16.8%
SPY SS SPDR S&P 500 ETF Trust-US 0.76% 3,177 $1.8M Reduce -11.5%
SLYV SS SPDR S&P 600 SC Val ETF 0.69% 20,536 $1.6M Reduce -0.3%
DFUS Dimensional US Eq MKT ETF 0.64% 24,653 $1.5M Reduce -0.4%
VOO Vanguard S&P 500 ETF 0.62% 2,810 $1.4M Add +8.0%
VTI VG Morningstar TS MKT ETF-US 0.57% 4,839 $1.3M Add +0.6%
IEMG iShares Core MSCI Emerging 0.51% 21,970 $1.2M Reduce -0.6%
IWV iShares Russell 3000 ETF 0.51% 3,729 $1.2M No change
IVV iShares Core S&P 500 ETF 0.46% 1,913 $1.1M Reduce -0.2%
VEA Vanguard Ftse Developed ETF 0.45% 20,849 $1.1M Add +0.3%
MSFT Microsoft Corp. 0.43% 2,701 $1.0M Add +7.4%
USMV iShares MSCI USA Min Vol Fac 0.35% 8,839 $828K Add +1.3%
GOOGL Alphabet Inc. Class A 0.34% 5,118 $791K Reduce -0.8%
SPLV Invesco S&P 500 Low Volatili 0.33% 10,453 $781K No change
AVES Avantis Emerging Markets Val 0.33% 16,329 $770K No change
IJR iShares Core S&P Small-Cap E 0.33% 7,313 $765K Add +0.0%
QTEC First Trust Nasdq 100 Tech I 0.32% 4,266 $740K No change
EZM Wisdomtree US Midcap Fund 0.31% 12,046 $718K No change
AMZN Amazon.com Inc. 0.29% 3,545 $674K Add +0.5%
RSPH Invesco S&P 500 Equal Weight 0.28% 21,825 $649K No change
FNDC Schwab Fndmnt Intl SM Eq ETF 0.27% 17,546 $635K No change
AVEM Avantis Emerging Markets Eq 0.26% 10,064 $606K No change
QQQ Invesco QQQ Trust Series 1 0.24% 1,211 $568K No change
BSCP Invesco Bulletshares 2025 CB 0.24% 26,648 $551K Add +0.1%
JPM JPMorgan Chase & Co. 0.24% 2,239 $549K Add +0.9%
BSCS Invesco Bulletshares 2028 CB 0.23% 26,247 $534K Add +1.8%
GOOG Alphabet Inc. Class C 0.22% 3,241 $506K Reduce -3.5%
BSCQ Invesco Bulletshares 2026 CB 0.20% 23,517 $458K Reduce -0.1%
PKW Invesco Buyback Achievers Et 0.19% 4,019 $453K No change
NVDA Nvidia Corp. 0.19% 4,152 $450K Add +1.6%
IYW iShares Ustechnology ETF 0.19% 3,200 $449K No change
BSCR Invesco Bulletshares 2027 CB 0.19% 22,908 $449K Reduce -0.2%
IEFA iShares Core MSCI Eafe ETF 0.19% 5,892 $446K No change
MDYV SS SPDR S&P 400 MC Val ETF 0.19% 5,702 $439K No change
DFLV Dim US Large Cap Value ETF 0.19% 14,275 $436K Reduce -0.1%
ACWV iShares MSCI Global Min Vol 0.18% 3,647 $424K No change
PDN Inv Rafi Dev MKT US SM-Usdin 0.18% 12,217 $409K Reduce -2.3%
FDN First Trust DJ Internet Ind 0.17% 1,788 $397K No change
IJJ iShares S&P Mid-Cap 400 Valu 0.17% 3,311 $396K No change
QUAL iShares MSCI USA Quality Fac 0.16% 2,244 $383K Add +4.7%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.15% 1,394 $351K No change
SPDW Ste STR SPDR PT DW Eu ETF 0.15% 9,537 $347K No change
PRK Park National Corp. 0.14% 2,214 $335K Add +31.2%
ISCV iShares Morningstar Small-Ca 0.14% 5,611 $333K Add +0.4%
COST Costco Wholesale Corp. 0.14% 342 $324K No change
VIG Vanguard Dividend Apprec ETF 0.14% 1,668 $324K Add +4.5%
PFI Invesco Dorsey Wright Financ 0.14% 5,973 $319K No change
BSCU Invesco Bulletshares 2030 CB 0.14% 19,236 $319K Add +2.5%
SLYG SS SPDR S&P 600 SC GR ETF 0.13% 3,794 $315K Add +0.0%
IJT iShares S&P Small-Cap 600 GR 0.13% 2,511 $313K Add +0.8%
V Visa Inc. Class A 0.13% 834 $292K Add +10.0%
ITOT iShares Core S&P Total U.S. 0.12% 2,342 $286K Add +27.4%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.12% 1,086 $281K No change
BSCT Invesco Bulletshares 2029 CB 0.12% 14,773 $274K Add +0.1%
DVY iShares Select Dividend ETF 0.12% 2,022 $272K Add +0.8%
DGRW Wisdomtree U.S. Quality Divi 0.11% 3,337 $266K No change
XMLV Invesco S&P Midcap Low Volat 0.11% 4,275 $264K No change
VB Vanguard Most SM-Cap ETF-Usd 0.11% 1,183 $262K Add +11.5%
IYG iShares U.S. Financial Servi 0.11% 3,213 $252K No change
SCHD Schwab US DVD Equity ETF 0.10% 8,539 $239K No change
AOR iShares Core 60/40 Balanced 0.10% 4,100 $236K No change
MOAT Vaneck Morningstar Wide Moat 0.10% 2,589 $228K No change
BFOR Barron's 400 ETF 0.10% 3,236 $225K No change
VTV Vanguard Mrngstr Val ETF-Aui 0.10% 1,288 $222K Reduce -18.0%
EFA iShares MSCI Eafe ETF 0.09% 2,702 $221K No change
SCHX Schwab US Large-Cap ETF 0.09% 9,884 $218K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.09% 865 $215K New
RDVY First Trust Rising Dividend 0.09% 3,665 $215K No change
ABBV Abbvie Inc. 0.09% 1,020 $214K New
PTNQ Pacer Trendpilot 100 ETF 0.09% 3,000 $213K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.09% 550 $204K Reduce -18.1%
ETW Eaton Vance T/M GLBL Buy-WR 0.05% 14,586 $120K No change
PACIRA BIOSCIENCES INC (PCRX 0.75 08/01/25) 0.00% 10,000 $10K No change

Portfolio Sells Q4 2024 → Q1 2025
SPY SS SPDR S&P 500 ETF Trust-US Reduce -11.5% 0.76% −0.16
SLYV SS SPDR S&P 600 SC Val ETF Reduce -0.3% 0.69% −0.10
FTAI Ftai Aviation Ltd. Sold out 0.00% −0.09
GOOGL Alphabet Inc. Class A Reduce -0.8% 0.34% −0.09
DFAX Dimensional World Ex US Core Reduce -3.6% 9.38% −0.07
GOOG Alphabet Inc. Class C Reduce -3.5% 0.22% −0.06
DFUS Dimensional US Eq MKT ETF Reduce -0.4% 0.64% −0.05
IVV iShares Core S&P 500 ETF Reduce -0.2% 0.46% −0.03
VUG Vanguard Mrngstar GR ETF-Sui Reduce -18.1% 0.09% −0.03
VTV Vanguard Mrngstr Val ETF-Aui Reduce -18.0% 0.10% −0.02
BSCQ Invesco Bulletshares 2026 CB Reduce -0.1% 0.20% −0.00
BSCR Invesco Bulletshares 2027 CB Reduce -0.2% 0.19% −0.00
DFLV Dim US Large Cap Value ETF Reduce -0.1% 0.19% −0.00
PDN Inv Rafi Dev MKT US SM-Usdin Reduce -2.3% 0.18% +0.00
IEMG iShares Core MSCI Emerging Reduce -0.6% 0.51% +0.00
FNDE Schwab Fndmntl Em MRK Eq ETF Reduce -0.4% 1.18% +0.04
DISV Dimensional International SM Reduce -0.8% 4.12% +0.24

Portfolio Buys Q4 2024 → Q1 2025
DFIC Dimensional International Co. Add +29.5% 5.12% +1.35
DFEM Dimensional Emrg MRKT Core Add +10.2% 7.23% +0.58
DFEV Dimensional Emrg MRKT Val Add +6.6% 7.38% +0.52
FCX Freeport-McMoran Inc. Add +16.8% 0.91% +0.11
IBM Intl Business Machines Corp. New 0.09% +0.09
ABBV Abbvie Inc. New 0.09% +0.09
V Visa Inc. Class A Add +10.0% 0.13% +0.02
ITOT iShares Core S&P Total U.S. Add +27.4% 0.12% +0.02
VEA Vanguard Ftse Developed ETF Add +0.3% 0.45% +0.02
PRK Park National Corp. Add +31.2% 0.14% +0.02
USMV iShares MSCI USA Min Vol Fac Add +1.3% 0.35% +0.01
VOO Vanguard S&P 500 ETF Add +8.0% 0.62% +0.00
BSCU Invesco Bulletshares 2030 CB Add +2.5% 0.14% +0.00
JPM JPMorgan Chase & Co. Add +0.9% 0.24% +0.00
VIG Vanguard Dividend Apprec ETF Add +4.5% 0.14% +0.00
BSCS Invesco Bulletshares 2028 CB Add +1.8% 0.23% +0.00
DVY iShares Select Dividend ETF Add +0.8% 0.12% +0.00
VB Vanguard Most SM-Cap ETF-Usd Add +11.5% 0.11% +0.00
BSCT Invesco Bulletshares 2029 CB Add +0.1% 0.12% −0.00
QUAL iShares MSCI USA Quality Fac Add +4.7% 0.16% −0.00
BSCP Invesco Bulletshares 2025 CB Add +0.1% 0.24% −0.00
ISCV iShares Morningstar Small-Ca Add +0.4% 0.14% −0.01
IJT iShares S&P Small-Cap 600 GR Add +0.8% 0.13% −0.01
SLYG SS SPDR S&P 600 SC GR ETF Add +0.0% 0.13% −0.02
MSFT Microsoft Corp. Add +7.4% 0.43% −0.03
VTI VG Morningstar TS MKT ETF-US Add +0.6% 0.57% −0.04
IJR iShares Core S&P Small-Cap E Add +0.0% 0.33% −0.04
NVDA Nvidia Corp. Add +1.6% 0.19% −0.05
AMZN Amazon.com Inc. Add +0.5% 0.29% −0.05
SCHA Schwab US Small-Cap ETF Add +0.5% 1.19% −0.15
AAPL Apple Inc. Add +0.2% 3.05% −0.46
DFAT Dimensional US Target Value Add +7.1% 18.71% −0.62
DFAC Dimensional US Core Equity 2 Add +4.5% 25.47% −0.68

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