Sensible Money, LLC

In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 13, 2025), Sensible Money, LLC reported 88 stock positions worth $294.2 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 25.9% of the portfolio, followed by Dimensional US Target Value (DFAT, 19.1%) and Dimensional World Ex US Core (DFAX, 8.6%). Compared with Q2 2025, it opened 5 new positions, sold out of 4, added to 18 and reduced 26. The biggest buy was Dimensional US Target Value (DFAT, shares +7%) and the biggest sale Dimensional World Ex US Core (DFAX, shares −2%).

Most Recent 13F
Q2 2026
Location
SCOTTSDALE, AZ
CIK
0001965229
Portfolio Value
$294.2M (Q3 2025)
SEC Filing
0001965229-25-000002 ↗ filed Nov 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 Q1 2025 Q2 2025: $263.8M Q2 2025 Q3 2025: $294.2M $294.2M Q3 2025 Q4 2025: $313.1M Q4 2025 Q1 2026: $328.7M Q1 2026 Q2 2026: $377.1M Q2 2026

Holdings 88 stocks · $294.2M
DFAC Dimensional US Core Equity 2 25.89% 1,974,877 $76.2M Add +4.6%
DFAT Dimensional US Target Value 19.10% 965,599 $56.2M Add +6.9%
DFAX Dimensional World Ex US Core 8.58% 804,146 $25.2M Reduce -2.5%
DFEM Dimensional Emrg MRKT Core 7.72% 708,263 $22.7M Add +6.3%
DFEV Dimensional Emrg MRKT Val 7.71% 711,552 $22.7M Add +3.3%
DFIC Dimensional International Co. 6.27% 562,653 $18.4M Add +14.7%
DISV Dimensional International SM 3.95% 325,651 $11.6M Reduce -1.8%
AAPL Apple Inc. 2.66% 30,699 $7.8M Reduce -1.4%
SCHA Schwab US Small-Cap ETF 1.11% 117,335 $3.3M Reduce -1.3%
FNDE Schwab Fndmntl Em MRK Eq ETF 1.09% 88,997 $3.2M Reduce -0.8%
VTI VG Morningstar TS MKT ETF-US 0.72% 6,490 $2.1M No change
SPY SS SPDR S&P 500 ETF Trust-US 0.70% 3,092 $2.1M Reduce -1.5%
DFUS Dimensional US Eq MKT ETF 0.67% 27,106 $2.0M Add +6.7%
SLYV SS SPDR S&P 600 SC Val ETF 0.62% 20,486 $1.8M Reduce -0.1%
FCX Freeport-McMoran Inc. 0.55% 41,580 $1.6M Reduce -10.7%
IEMG iShares Core MSCI Emerging 0.49% 21,895 $1.4M Reduce -0.4%
IWV iShares Russell 3000 ETF 0.48% 3,729 $1.4M No change
MSFT Microsoft Corp. 0.46% 2,609 $1.4M Reduce -3.4%
IVV iShares Core S&P 500 ETF 0.44% 1,919 $1.3M Add +0.2%
VEA Vanguard Ftse Developed ETF 0.42% 20,849 $1.2M No change
GOOGL Alphabet Inc. Class A 0.42% 5,120 $1.2M Add +0.0%
VOO Vanguard S&P 500 ETF 0.41% 1,952 $1.2M No change
QTEC First Trust Nasdq 100 Tech I 0.33% 4,266 $980K No change
AVES Avantis Emerging Markets Val 0.32% 16,333 $937K No change
IJR iShares Core S&P Small-Cap E 0.29% 7,290 $866K Reduce -0.3%
USMV iShares MSCI USA Min Vol Fac 0.29% 8,839 $841K No change
GOOG Alphabet Inc. Class C 0.27% 3,241 $789K No change
EZM Wisdomtree US Midcap Fund 0.27% 11,866 $782K No change
AMZN Amazon.com Inc. 0.26% 3,522 $773K Reduce -0.7%
SPLV Invesco S&P 500 Low Volatili 0.26% 10,453 $768K No change
AVEM Avantis Emerging Markets Eq 0.26% 10,055 $755K Reduce -0.1%
NVDA Nvidia Corp. 0.25% 3,918 $731K Reduce -7.2%
JPM JPMorgan Chase & Co. 0.24% 2,239 $706K No change
FNDC Schwab Fndmnt Intl SM Eq ETF 0.23% 14,972 $666K Reduce -0.4%
RSPH Invesco S&P 500 Equal Weight 0.22% 21,825 $641K No change
IYW iShares Ustechnology ETF 0.21% 3,200 $627K No change
BSCP Invesco Bulletshares 2025 CB 0.19% 26,632 $551K Reduce -0.1%
BSCS Invesco Bulletshares 2028 CB 0.19% 26,556 $546K Add +1.1%
PKW Invesco Buyback Achievers Et 0.18% 4,019 $532K No change
IEFA iShares Core MSCI Eafe ETF 0.17% 5,863 $512K Reduce -0.6%
PDN Inv Rafi Dev MKT US SM-Usdin 0.17% 12,278 $505K Add +0.2%
FDN First Trust DJ Internet Ind 0.17% 1,765 $494K No change
MDYV SS SPDR S&P 400 MC Val ETF 0.16% 5,702 $476K No change
DFLV Dim US Large Cap Value ETF 0.16% 14,392 $474K Add +0.4%
QQQ Invesco QQQ Trust Series 1 0.16% 786 $472K Add +1.7%
BSCR Invesco Bulletshares 2027 CB 0.16% 23,375 $461K Add +2.0%
BSCQ Invesco Bulletshares 2026 CB 0.16% 23,502 $460K Reduce -0.1%
ACWV iShares MSCI Global Min Vol 0.15% 3,647 $437K No change
QUAL iShares MSCI USA Quality Fac 0.15% 2,244 $436K No change
IJJ iShares S&P Mid-Cap 400 Valu 0.15% 3,311 $430K No change
VBK Van Morst SML-Cap Gro-Usd Inc. 0.14% 1,394 $415K No change
SPDW Ste STR SPDR PT DW Eu ETF 0.14% 9,696 $415K No change
ISCV iShares Morningstar Small-Ca 0.13% 5,669 $378K Add +0.5%
SLYG SS SPDR S&P 600 SC GR ETF 0.12% 3,857 $364K No change
PRK Park National Corp. 0.12% 2,221 $361K Add +0.2%
VIG Vanguard Dividend Apprec ETF 0.12% 1,668 $360K No change
IJT iShares S&P Small-Cap 600 GR 0.12% 2,494 $353K Reduce -0.3%
PFI Invesco Dorsey Wright Financ 0.12% 5,973 $346K No change
ITOT iShares Core S&P Total U.S. 0.12% 2,342 $341K No change
BSCU Invesco Bulletshares 2030 CB 0.11% 19,652 $332K Add +2.1%
COST Costco Wholesale Corp. 0.11% 343 $317K No change
VB Vanguard Most SM-Cap ETF-Usd 0.10% 1,159 $295K Reduce -2.0%
IYG iShares U.S. Financial Servi 0.10% 3,213 $288K No change
V Visa Inc. Class A 0.10% 834 $285K No change
BSCT Invesco Bulletshares 2029 CB 0.10% 15,126 $285K Add +2.3%
DVY iShares Select Dividend ETF 0.09% 1,944 $276K Reduce -4.7%
XMLV Invesco S&P Midcap Low Volat 0.09% 4,275 $272K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.09% 550 $264K No change
BFOR Barron's 400 ETF 0.09% 3,236 $263K No change
SCHX Schwab US Large-Cap ETF 0.09% 9,884 $260K No change
MOAT Vaneck Morningstar Wide Moat 0.09% 2,589 $257K No change
EFA iShares MSCI Eafe ETF 0.09% 2,693 $251K Reduce -1.4%
RDVY First Trust Rising Dividend 0.08% 3,665 $247K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.08% 865 $244K No change
META Meta Platforms Inc. Class A 0.08% 328 $241K No change
AVUV Avantis US Small Cap Value 0.08% 2,390 $238K Reduce -12.7%
ABBV Abbvie Inc. 0.08% 1,020 $236K New
SCHD Schwab US DVD Equity ETF 0.08% 8,545 $233K Add +0.0%
PTNQ Pacer Trendpilot 100 ETF 0.08% 3,000 $233K No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.08% 774 $227K Reduce -28.7%
SCHC Schwab Intl Small-Cap Equity 0.08% 4,979 $227K Reduce -6.3%
NSC Norfolk Southern Corp. 0.08% 738 $222K Reduce -10.8%
PANW Palo Alto Networks Inc. 0.07% 1,079 $220K No change
VWO Vanguard Ftse Emerging Marke 0.07% 4,041 $219K New
SCHB Schwab US Broad Market ETF 0.07% 8,323 $214K New
FTAI Ftai Aviation Ltd. 0.07% 1,221 $204K New
EFAV iShares MSCI Eafe Min Vol Fa 0.07% 2,382 $202K No change
GOLDEN MATRIX GROUP INC 0.00% 10,000 $11K New

Portfolio Sells Q2 2025 → Q3 2025
DFAX Dimensional World Ex US Core Reduce -2.5% 8.58% −0.60
FCX Freeport-McMoran Inc. Reduce -10.7% 0.55% −0.21
DISV Dimensional International SM Reduce -1.8% 3.95% −0.19
AOR iShares Core 60/40 Balanced Sold out 0.00% −0.10
VTV Vanguard Mrngstr Val ETF-Aui Sold out 0.00% −0.09
VV Vngrd Mrgstr LRG-Cap ETF-Usd Sold out 0.00% −0.08
MSFT Microsoft Corp. Reduce -3.4% 0.46% −0.05
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -28.7% 0.08% −0.04
SPY SS SPDR S&P 500 ETF Trust-US Reduce -1.5% 0.70% −0.04
AMZN Amazon.com Inc. Reduce -0.7% 0.26% −0.03
FNDE Schwab Fndmntl Em MRK Eq ETF Reduce -0.8% 1.09% −0.03
SCHA Schwab US Small-Cap ETF Reduce -1.3% 1.11% −0.03
BSCP Invesco Bulletshares 2025 CB Reduce -0.1% 0.19% −0.02
BSCQ Invesco Bulletshares 2026 CB Reduce -0.1% 0.16% −0.02
AVUV Avantis US Small Cap Value Reduce -12.7% 0.08% −0.01
FNDC Schwab Fndmnt Intl SM Eq ETF Reduce -0.4% 0.23% −0.01
IEFA iShares Core MSCI Eafe ETF Reduce -0.6% 0.17% −0.01
IEMG iShares Core MSCI Emerging Reduce -0.4% 0.49% −0.01
DVY iShares Select Dividend ETF Reduce -4.7% 0.09% −0.01
SCHC Schwab Intl Small-Cap Equity Reduce -6.3% 0.08% −0.01
IJR iShares Core S&P Small-Cap E Reduce -0.3% 0.29% −0.01
EFA iShares MSCI Eafe ETF Reduce -1.4% 0.09% −0.01
IJT iShares S&P Small-Cap 600 GR Reduce -0.3% 0.12% −0.01
VB Vanguard Most SM-Cap ETF-Usd Reduce -2.0% 0.10% −0.01
NSC Norfolk Southern Corp. Reduce -10.8% 0.08% −0.00
AVEM Avantis Emerging Markets Eq Reduce -0.1% 0.26% −0.00
NVDA Nvidia Corp. Reduce -7.2% 0.25% −0.00
PACIRA BIOSCIENCES INC (PCRX 0.75 08/01/25) Sold out 0.00% −0.00
SLYV SS SPDR S&P 600 SC Val ETF Reduce -0.1% 0.62% −0.00
AAPL Apple Inc. Reduce -1.4% 2.66% +0.24

Portfolio Buys Q2 2025 → Q3 2025
DFAT Dimensional US Target Value Add +6.9% 19.10% +0.63
DFIC Dimensional International Co. Add +14.7% 6.27% +0.49
DFAC Dimensional US Core Equity 2 Add +4.6% 25.89% +0.23
DFEM Dimensional Emrg MRKT Core Add +6.3% 7.72% +0.22
GOOGL Alphabet Inc. Class A Add +0.0% 0.42% +0.08
ABBV Abbvie Inc. New 0.08% +0.08
VWO Vanguard Ftse Emerging Marke New 0.07% +0.07
SCHB Schwab US Broad Market ETF New 0.07% +0.07
FTAI Ftai Aviation Ltd. New 0.07% +0.07
DFUS Dimensional US Eq MKT ETF Add +6.7% 0.67% +0.02
GOLDEN MATRIX GROUP INC New 0.00% +0.00
QQQ Invesco QQQ Trust Series 1 Add +1.7% 0.16% −0.00
ISCV iShares Morningstar Small-Ca Add +0.5% 0.13% −0.00
SCHD Schwab US DVD Equity ETF Add +0.0% 0.08% −0.01
DFLV Dim US Large Cap Value ETF Add +0.4% 0.16% −0.01
BSCT Invesco Bulletshares 2029 CB Add +2.3% 0.10% −0.01
PDN Inv Rafi Dev MKT US SM-Usdin Add +0.2% 0.17% −0.01
BSCU Invesco Bulletshares 2030 CB Add +2.1% 0.11% −0.01
BSCR Invesco Bulletshares 2027 CB Add +2.0% 0.16% −0.01
IVV iShares Core S&P 500 ETF Add +0.2% 0.44% −0.01
PRK Park National Corp. Add +0.2% 0.12% −0.02
BSCS Invesco Bulletshares 2028 CB Add +1.1% 0.19% −0.02
DFEV Dimensional Emrg MRKT Val Add +3.3% 7.71% −0.12

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