Sensible Money, LLC

In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 5, 2025), Sensible Money, LLC reported 87 stock positions worth $263.8 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 25.7% of the portfolio, followed by Dimensional US Target Value (DFAT, 18.5%) and Dimensional World Ex US Core (DFAX, 9.2%). Compared with Q1 2025, it opened 7 new positions, sold out of 3, added to 34 and reduced 11. The biggest buy was Dimensional International (DFIC, shares +14%) and the biggest sale Apple (AAPL, shares −3%).

Most Recent 13F
Q2 2026
Location
SCOTTSDALE, AZ
CIK
0001965229
Portfolio Value
$263.8M (Q2 2025)
SEC Filing
0001085146-25-004508 ↗ filed Aug 5, 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 Q1 2025 Q2 2025: $263.8M $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 87 stocks · $263.8M
DFAC Dimensional US Core Equity 2 25.66% 1,888,686 $67.7M Add +4.8%
DFAT Dimensional US Target Value 18.47% 903,198 $48.7M Add +6.5%
DFAX Dimensional World Ex US Core 9.18% 824,655 $24.2M Reduce -1.3%
DFEV Dimensional Emrg MRKT Val 7.83% 688,611 $20.7M Add +8.1%
DFEM Dimensional Emrg MRKT Core 7.50% 666,451 $19.8M Add +4.5%
DFIC Dimensional International Co. 5.78% 490,761 $15.3M Add +14.0%
DISV Dimensional International SM 4.14% 331,520 $10.9M Add +0.3%
AAPL Apple Inc. 2.42% 31,132 $6.4M Reduce -2.9%
SCHA Schwab US Small-Cap ETF 1.14% 118,912 $3.0M Add +0.1%
FNDE Schwab Fndmntl Em MRK Eq ETF 1.12% 89,732 $3.0M Add +0.7%
FCX Freeport-McMoran Inc. 0.77% 46,575 $2.0M Reduce -16.8%
VTI VG Morningstar TS MKT ETF-US 0.75% 6,490 $2.0M Add +34.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.74% 3,140 $1.9M Reduce -1.2%
DFUS Dimensional US Eq MKT ETF 0.65% 25,414 $1.7M Add +3.1%
SLYV SS SPDR S&P 600 SC Val ETF 0.62% 20,504 $1.6M Reduce -0.2%
MSFT Microsoft Corp. 0.51% 2,701 $1.3M No change
IEMG iShares Core MSCI Emerging 0.50% 21,987 $1.3M Add +0.1%
IWV iShares Russell 3000 ETF 0.50% 3,729 $1.3M No change
IVV iShares Core S&P 500 ETF 0.45% 1,916 $1.2M Add +0.2%
VEA Vanguard Ftse Developed ETF 0.45% 20,849 $1.2M No change
VOO Vanguard S&P 500 ETF 0.42% 1,952 $1.1M Reduce -30.5%
QTEC First Trust Nasdq 100 Tech I 0.34% 4,266 $908K No change
GOOGL Alphabet Inc. Class A 0.34% 5,119 $902K Add +0.0%
AVES Avantis Emerging Markets Val 0.33% 16,333 $875K Add +0.0%
USMV iShares MSCI USA Min Vol Fac 0.31% 8,839 $830K No change
IJR iShares Core S&P Small-Cap E 0.30% 7,314 $799K Add +0.0%
AMZN Amazon.com Inc. 0.29% 3,545 $778K No change
SPLV Invesco S&P 500 Low Volatili 0.29% 10,453 $761K No change
EZM Wisdomtree US Midcap Fund 0.28% 11,866 $733K Reduce -1.5%
AVEM Avantis Emerging Markets Eq 0.26% 10,066 $690K Add +0.0%
NVDA Nvidia Corp. 0.25% 4,221 $667K Add +1.7%
JPM JPMorgan Chase & Co. 0.25% 2,239 $649K No change
RSPH Invesco S&P 500 Equal Weight 0.24% 21,825 $637K No change
FNDC Schwab Fndmnt Intl SM Eq ETF 0.24% 15,034 $632K Reduce -14.3%
GOOG Alphabet Inc. Class C 0.22% 3,241 $575K No change
IYW iShares Ustechnology ETF 0.21% 3,200 $554K No change
BSCP Invesco Bulletshares 2025 CB 0.21% 26,668 $552K Add +0.1%
BSCS Invesco Bulletshares 2028 CB 0.20% 26,261 $538K Add +0.1%
PKW Invesco Buyback Achievers Et 0.19% 4,019 $497K No change
IEFA iShares Core MSCI Eafe ETF 0.19% 5,897 $492K Add +0.1%
PDN Inv Rafi Dev MKT US SM-Usdin 0.18% 12,252 $477K Add +0.3%
FDN First Trust DJ Internet Ind 0.18% 1,765 $475K Reduce -1.3%
BSCQ Invesco Bulletshares 2026 CB 0.17% 23,533 $459K Add +0.1%
MDYV SS SPDR S&P 400 MC Val ETF 0.17% 5,702 $453K No change
BSCR Invesco Bulletshares 2027 CB 0.17% 22,926 $450K Add +0.1%
DFLV Dim US Large Cap Value ETF 0.17% 14,335 $445K Add +0.4%
ACWV iShares MSCI Global Min Vol 0.16% 3,647 $432K No change
QQQ Invesco QQQ Trust Series 1 0.16% 773 $426K Reduce -36.2%
QUAL iShares MSCI USA Quality Fac 0.16% 2,244 $410K No change
IJJ iShares S&P Mid-Cap 400 Valu 0.16% 3,311 $409K No change
SPDW Ste STR SPDR PT DW Eu ETF 0.15% 9,696 $393K Add +1.7%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.15% 1,394 $386K No change
PRK Park National Corp. 0.14% 2,217 $371K Add +0.1%
ISCV iShares Morningstar Small-Ca 0.13% 5,639 $346K Add +0.5%
SLYG SS SPDR S&P 600 SC GR ETF 0.13% 3,857 $342K Add +1.7%
VIG Vanguard Dividend Apprec ETF 0.13% 1,668 $341K No change
COST Costco Wholesale Corp. 0.13% 343 $339K Add +0.3%
PFI Invesco Dorsey Wright Financ 0.13% 5,973 $339K No change
IJT iShares S&P Small-Cap 600 GR 0.13% 2,501 $333K Reduce -0.4%
BSCU Invesco Bulletshares 2030 CB 0.12% 19,253 $323K Add +0.1%
ITOT iShares Core S&P Total U.S. 0.12% 2,342 $316K No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.12% 1,086 $304K No change
V Visa Inc. Class A 0.11% 834 $296K No change
VB Vanguard Most SM-Cap ETF-Usd 0.11% 1,183 $280K No change
BSCT Invesco Bulletshares 2029 CB 0.10% 14,786 $277K Add +0.1%
IYG iShares U.S. Financial Servi 0.10% 3,213 $275K No change
DVY iShares Select Dividend ETF 0.10% 2,040 $271K Add +0.9%
XMLV Invesco S&P Midcap Low Volat 0.10% 4,275 $264K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.10% 865 $255K No change
AOR iShares Core 60/40 Balanced 0.10% 4,100 $252K No change
AVUV Avantis US Small Cap Value 0.09% 2,737 $249K New
BFOR Barron's 400 ETF 0.09% 3,236 $249K No change
EFA iShares MSCI Eafe ETF 0.09% 2,730 $244K Add +1.0%
MOAT Vaneck Morningstar Wide Moat 0.09% 2,589 $243K No change
META Meta Platforms Inc. Class A 0.09% 328 $242K New
SCHX Schwab US Large-Cap ETF 0.09% 9,884 $242K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.09% 550 $241K No change
RDVY First Trust Rising Dividend 0.09% 3,665 $230K No change
VTV Vanguard Mrngstr Val ETF-Aui 0.09% 1,288 $228K No change
SCHD Schwab US DVD Equity ETF 0.09% 8,544 $226K Add +0.1%
SCHC Schwab Intl Small-Cap Equity 0.09% 5,315 $226K New
PANW Palo Alto Networks Inc. 0.08% 1,079 $221K New
PTNQ Pacer Trendpilot 100 ETF 0.08% 3,000 $214K No change
NSC Norfolk Southern Corp. 0.08% 827 $212K New
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.08% 715 $204K New
EFAV iShares MSCI Eafe Min Vol Fa 0.08% 2,382 $200K New
PACIRA BIOSCIENCES INC (PCRX 0.75 08/01/25) 0.00% 10,000 $10K No change

Portfolio Sells Q1 2025 → Q2 2025
AAPL Apple Inc. Reduce -2.9% 2.42% −0.63
DFAX Dimensional World Ex US Core Reduce -1.3% 9.18% −0.20
VOO Vanguard S&P 500 ETF Reduce -30.5% 0.42% −0.20
FCX Freeport-McMoran Inc. Reduce -16.8% 0.77% −0.14
DGRW Wisdomtree U.S. Quality Divi Sold out 0.00% −0.11
ABBV Abbvie Inc. Sold out 0.00% −0.09
QQQ Invesco QQQ Trust Series 1 Reduce -36.2% 0.16% −0.08
SLYV SS SPDR S&P 600 SC Val ETF Reduce -0.2% 0.62% −0.07
ETW Eaton Vance T/M GLBL Buy-WR Sold out 0.00% −0.05
FNDC Schwab Fndmnt Intl SM Eq ETF Reduce -14.3% 0.24% −0.03
EZM Wisdomtree US Midcap Fund Reduce -1.5% 0.28% −0.03
SPY SS SPDR S&P 500 ETF Trust-US Reduce -1.2% 0.74% −0.03
IJT iShares S&P Small-Cap 600 GR Reduce -0.4% 0.13% −0.01
FDN First Trust DJ Internet Ind Reduce -1.3% 0.18% +0.01

Portfolio Buys Q1 2025 → Q2 2025
DFIC Dimensional International Co. Add +14.0% 5.78% +0.66
DFEV Dimensional Emrg MRKT Val Add +8.1% 7.83% +0.45
DFEM Dimensional Emrg MRKT Core Add +4.5% 7.50% +0.27
DFAC Dimensional US Core Equity 2 Add +4.8% 25.66% +0.19
VTI VG Morningstar TS MKT ETF-US Add +34.1% 0.75% +0.18
AVUV Avantis US Small Cap Value New 0.09% +0.09
META Meta Platforms Inc. Class A New 0.09% +0.09
SCHC Schwab Intl Small-Cap Equity New 0.09% +0.09
PANW Palo Alto Networks Inc. New 0.08% +0.08
NSC Norfolk Southern Corp. New 0.08% +0.08
VV Vngrd Mrgstr LRG-Cap ETF-Usd New 0.08% +0.08
EFAV iShares MSCI Eafe Min Vol Fa New 0.08% +0.08
NVDA Nvidia Corp. Add +1.7% 0.25% +0.06
DISV Dimensional International SM Add +0.3% 4.14% +0.01
DFUS Dimensional US Eq MKT ETF Add +3.1% 0.65% +0.01
PDN Inv Rafi Dev MKT US SM-Usdin Add +0.3% 0.18% +0.01
GOOGL Alphabet Inc. Class A Add +0.0% 0.34% +0.00
AVEM Avantis Emerging Markets Eq Add +0.0% 0.26% +0.00
AVES Avantis Emerging Markets Val Add +0.0% 0.33% +0.00
SPDW Ste STR SPDR PT DW Eu ETF Add +1.7% 0.15% 0.00
EFA iShares MSCI Eafe ETF Add +1.0% 0.09% −0.00
PRK Park National Corp. Add +0.1% 0.14% −0.00
IEFA iShares Core MSCI Eafe ETF Add +0.1% 0.19% −0.00
SLYG SS SPDR S&P 600 SC GR ETF Add +1.7% 0.13% −0.01
IEMG iShares Core MSCI Emerging Add +0.1% 0.50% −0.01
IVV iShares Core S&P 500 ETF Add +0.2% 0.45% −0.01
COST Costco Wholesale Corp. Add +0.3% 0.13% −0.01
ISCV iShares Morningstar Small-Ca Add +0.5% 0.13% −0.01
BSCT Invesco Bulletshares 2029 CB Add +0.1% 0.10% −0.01
DVY iShares Select Dividend ETF Add +0.9% 0.10% −0.01
BSCU Invesco Bulletshares 2030 CB Add +0.1% 0.12% −0.01
SCHD Schwab US DVD Equity ETF Add +0.1% 0.09% −0.02
DFLV Dim US Large Cap Value ETF Add +0.4% 0.17% −0.02
BSCR Invesco Bulletshares 2027 CB Add +0.1% 0.17% −0.02
BSCQ Invesco Bulletshares 2026 CB Add +0.1% 0.17% −0.02
IJR iShares Core S&P Small-Cap E Add +0.0% 0.30% −0.02
BSCS Invesco Bulletshares 2028 CB Add +0.1% 0.20% −0.02
BSCP Invesco Bulletshares 2025 CB Add +0.1% 0.21% −0.03
SCHA Schwab US Small-Cap ETF Add +0.1% 1.14% −0.05
FNDE Schwab Fndmntl Em MRK Eq ETF Add +0.7% 1.12% −0.05
DFAT Dimensional US Target Value Add +6.5% 18.47% −0.23

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