Sensible Money, LLC

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 9, 2026), Sensible Money, LLC reported 86 stock positions worth $313.1 million. Its top holding was Dimensional US Core Equity 2 (DFAC) at 25.7% of the portfolio, followed by Dimensional US Target Value (DFAT, 19.4%) and Dimensional World Ex US Core (DFAX, 8.0%). Compared with Q3 2025, it opened 4 new positions, sold out of 6, added to 30 and reduced 23. The biggest buy was Dimensional International (DFIC, shares +16%) and the biggest sale Dimensional World Ex US Core (DFAX, shares −4%).

Most Recent 13F
Q2 2026
Location
SCOTTSDALE, AZ
CIK
0001965229
Portfolio Value
$313.1M (Q4 2025)
SEC Filing
0001965229-26-000001 ↗ filed Feb 9, 2026

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 Q3 2025 Q4 2025: $313.1M $313.1M Q4 2025 Q1 2026: $328.7M Q1 2026 Q2 2026: $377.1M Q2 2026

Holdings 86 stocks · $313.1M
DFAC Dimensional US Core Equity 2 25.67% 2,030,499 $80.4M Add +2.8%
DFAT Dimensional US Target Value 19.41% 1,020,908 $60.8M Add +5.7%
DFAX Dimensional World Ex US Core 8.03% 768,150 $25.1M Reduce -4.5%
DFEV Dimensional Emrg MRKT Val 7.88% 730,900 $24.7M Add +2.7%
DFEM Dimensional Emrg MRKT Core 7.65% 724,102 $24.0M Add +2.2%
DFIC Dimensional International Co. 7.16% 650,921 $22.4M Add +15.7%
DISV Dimensional International SM 3.85% 316,945 $12.0M Reduce -2.7%
AAPL Apple Inc. 2.63% 30,271 $8.2M Reduce -1.4%
SCHA Schwab US Small-Cap ETF 1.16% 127,722 $3.6M Add +8.8%
FNDE Schwab Fndmntl Em MRK Eq ETF 1.02% 88,571 $3.2M Reduce -0.5%
SPY SS SPDR S&P 500 ETF Trust-US 0.76% 3,472 $2.4M Add +12.3%
VTI VG Morningstar TS MKT ETF-US 0.75% 6,989 $2.3M Add +7.7%
DFUS Dimensional US Eq MKT ETF 0.64% 26,841 $2.0M Reduce -1.0%
FCX Freeport-McMoran Inc. 0.61% 37,835 $1.9M Reduce -9.0%
SLYV SS SPDR S&P 600 SC Val ETF 0.58% 20,011 $1.8M Reduce -2.3%
GOOGL Alphabet Inc. Class A 0.50% 5,014 $1.6M Reduce -2.1%
IEMG iShares Core MSCI Emerging 0.47% 21,825 $1.5M Reduce -0.3%
IWV iShares Russell 3000 ETF 0.46% 3,729 $1.4M No change
IVV iShares Core S&P 500 ETF 0.42% 1,923 $1.3M Add +0.2%
VEA Vanguard Ftse Developed ETF 0.42% 20,849 $1.3M No change
MSFT Microsoft Corp. 0.40% 2,558 $1.2M Reduce -1.9%
VOO Vanguard S&P 500 ETF 0.39% 1,951 $1.2M Reduce -0.1%
GOOG Alphabet Inc. Class C 0.32% 3,241 $1.0M No change
QTEC First Trust Nasdq 100 Tech I 0.31% 4,266 $982K No change
AVES Avantis Emerging Markets Val 0.30% 16,338 $953K Add +0.0%
IJR iShares Core S&P Small-Cap E 0.28% 7,291 $876K Add +0.0%
BSCS Invesco Bulletshares 2028 CB 0.28% 42,116 $868K Add +58.6%
USMV iShares MSCI USA Min Vol Fac 0.26% 8,678 $817K Reduce -1.8%
AMZN Amazon.com Inc. 0.26% 3,522 $813K No change
EZM Wisdomtree US Midcap Fund 0.25% 11,866 $793K No change
NVDA Nvidia Corp. 0.25% 4,174 $778K Add +6.5%
AVEM Avantis Emerging Markets Eq 0.25% 10,048 $774K Reduce -0.1%
SPLV Invesco S&P 500 Low Volatili 0.24% 10,453 $747K No change
JPM JPMorgan Chase & Co. 0.23% 2,248 $724K Add +0.4%
RSPH Invesco S&P 500 Equal Weight 0.22% 21,825 $695K No change
FNDC Schwab Fndmnt Intl SM Eq ETF 0.21% 14,870 $662K Reduce -0.7%
IYW iShares Ustechnology ETF 0.20% 3,200 $639K No change
PKW Invesco Buyback Achievers Et 0.17% 4,019 $540K No change
BSCR Invesco Bulletshares 2027 CB 0.17% 26,741 $528K Add +14.4%
PDN Inv Rafi Dev MKT US SM-Usdin 0.17% 12,324 $520K Add +0.4%
IEFA iShares Core MSCI Eafe ETF 0.16% 5,689 $509K Reduce -3.0%
DFLV Dim US Large Cap Value ETF 0.16% 14,443 $494K Add +0.3%
BSCQ Invesco Bulletshares 2026 CB 0.15% 24,709 $484K Add +5.1%
VB Vanguard Most SM-Cap ETF-Usd 0.15% 1,859 $480K Add +60.4%
FDN First Trust DJ Internet Ind 0.15% 1,765 $475K No change
QQQ Invesco QQQ Trust Series 1 0.15% 772 $474K Reduce -1.8%
BSCU Invesco Bulletshares 2030 CB 0.14% 26,796 $453K Add +36.4%
QUAL iShares MSCI USA Quality Fac 0.14% 2,232 $443K Reduce -0.5%
BSCT Invesco Bulletshares 2029 CB 0.14% 23,361 $440K Add +54.4%
SPDW Ste STR SPDR PT DW Eu ETF 0.14% 9,868 $438K Add +1.8%
IJJ iShares S&P Mid-Cap 400 Valu 0.14% 3,311 $436K No change
ACWV iShares MSCI Global Min Vol 0.14% 3,647 $433K No change
SCHD Schwab US DVD Equity ETF 0.14% 15,785 $433K Add +84.7%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.13% 1,394 $421K No change
MDYV SS SPDR S&P 400 MC Val ETF 0.13% 4,932 $417K Reduce -13.5%
ISCV iShares Morningstar Small-Ca 0.12% 5,709 $391K Add +0.7%
VIG Vanguard Dividend Apprec ETF 0.12% 1,668 $367K No change
SLYG SS SPDR S&P 600 SC GR ETF 0.11% 3,796 $358K Reduce -1.6%
IJT iShares S&P Small-Cap 600 GR 0.11% 2,517 $355K Add +0.9%
ITOT iShares Core S&P Total U.S. 0.11% 2,342 $348K No change
PFI Invesco Dorsey Wright Financ 0.11% 5,973 $345K No change
PRK Park National Corp. 0.11% 2,225 $339K Add +0.2%
IYG iShares U.S. Financial Servi 0.09% 3,213 $296K No change
V Visa Inc. Class A 0.09% 840 $295K Add +0.7%
COST Costco Wholesale Corp. 0.09% 323 $279K Reduce -5.8%
MOAT Vaneck Morningstar Wide Moat 0.09% 2,589 $268K No change
XMLV Invesco S&P Midcap Low Volat 0.09% 4,275 $267K No change
BFOR Barron's 400 ETF 0.09% 3,236 $266K No change
SCHX Schwab US Large-Cap ETF 0.08% 9,884 $266K No change
EFA iShares MSCI Eafe ETF 0.08% 2,693 $259K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.08% 869 $257K Add +0.5%
RDVY First Trust Rising Dividend 0.08% 3,665 $255K No change
AVUV Avantis US Small Cap Value 0.08% 2,361 $241K Reduce -1.2%
FTAI Ftai Aviation Ltd. 0.08% 1,221 $240K No change
VUG Vanguard Mrngstar GR ETF-Sui 0.08% 486 $237K Reduce -11.6%
PTNQ Pacer Trendpilot 100 ETF 0.08% 3,000 $236K No change
SCHC Schwab Intl Small-Cap Equity 0.07% 5,031 $229K Add +1.0%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.07% 774 $225K No change
ABBV Abbvie Inc. 0.07% 967 $221K Reduce -5.2%
SCHB Schwab US Broad Market ETF 0.07% 8,330 $218K Add +0.1%
IAU iShares Gold Trust 0.07% 2,667 $216K New
VYM Vanguard High DVD Yield ETF 0.07% 1,490 $214K New
DFAW Dimensional World Eqty ETF 0.07% 2,799 $207K New
LLY Eli Lilly & Co. 0.07% 192 $206K New
EFAV iShares MSCI Eafe Min Vol Fa 0.07% 2,382 $205K No change
GOLDEN MATRIX GROUP INC 0.00% 10,000 $8K No change

Portfolio Sells Q3 2025 → Q4 2025
DFAX Dimensional World Ex US Core Reduce -4.5% 8.03% −0.55
BSCP Invesco Bulletshares 2025 CB Sold out 0.00% −0.19
DISV Dimensional International SM Reduce -2.7% 3.85% −0.10
DVY iShares Select Dividend ETF Sold out 0.00% −0.09
META Meta Platforms Inc. Class A Sold out 0.00% −0.08
NSC Norfolk Southern Corp. Sold out 0.00% −0.08
PANW Palo Alto Networks Inc. Sold out 0.00% −0.07
VWO Vanguard Ftse Emerging Marke Sold out 0.00% −0.07
FNDE Schwab Fndmntl Em MRK Eq ETF Reduce -0.5% 1.02% −0.07
MSFT Microsoft Corp. Reduce -1.9% 0.40% −0.06
SLYV SS SPDR S&P 600 SC Val ETF Reduce -2.3% 0.58% −0.04
DFUS Dimensional US Eq MKT ETF Reduce -1.0% 0.64% −0.03
AAPL Apple Inc. Reduce -1.4% 2.63% −0.03
MDYV SS SPDR S&P 400 MC Val ETF Reduce -13.5% 0.13% −0.03
USMV iShares MSCI USA Min Vol Fac Reduce -1.8% 0.26% −0.02
IEMG iShares Core MSCI Emerging Reduce -0.3% 0.47% −0.02
COST Costco Wholesale Corp. Reduce -5.8% 0.09% −0.02
VOO Vanguard S&P 500 ETF Reduce -0.1% 0.39% −0.02
FNDC Schwab Fndmnt Intl SM Eq ETF Reduce -0.7% 0.21% −0.01
VUG Vanguard Mrngstar GR ETF-Sui Reduce -11.6% 0.08% −0.01
IEFA iShares Core MSCI Eafe ETF Reduce -3.0% 0.16% −0.01
ABBV Abbvie Inc. Reduce -5.2% 0.07% −0.01
AVEM Avantis Emerging Markets Eq Reduce -0.1% 0.25% −0.01
SLYG SS SPDR S&P 600 SC GR ETF Reduce -1.6% 0.11% −0.01
QQQ Invesco QQQ Trust Series 1 Reduce -1.8% 0.15% −0.01
QUAL iShares MSCI USA Quality Fac Reduce -0.5% 0.14% −0.01
AVUV Avantis US Small Cap Value Reduce -1.2% 0.08% −0.00
FCX Freeport-McMoran Inc. Reduce -9.0% 0.61% +0.06
GOOGL Alphabet Inc. Class A Reduce -2.1% 0.50% +0.08

Portfolio Buys Q3 2025 → Q4 2025
DFIC Dimensional International Co. Add +15.7% 7.16% +0.89
DFAT Dimensional US Target Value Add +5.7% 19.41% +0.31
DFEV Dimensional Emrg MRKT Val Add +2.7% 7.88% +0.16
BSCS Invesco Bulletshares 2028 CB Add +58.6% 0.28% +0.09
IAU iShares Gold Trust New 0.07% +0.07
VYM Vanguard High DVD Yield ETF New 0.07% +0.07
DFAW Dimensional World Eqty ETF New 0.07% +0.07
LLY Eli Lilly & Co. New 0.07% +0.07
SCHD Schwab US DVD Equity ETF Add +84.7% 0.14% +0.06
SPY SS SPDR S&P 500 ETF Trust-US Add +12.3% 0.76% +0.06
VB Vanguard Most SM-Cap ETF-Usd Add +60.4% 0.15% +0.05
SCHA Schwab US Small-Cap ETF Add +8.8% 1.16% +0.05
BSCT Invesco Bulletshares 2029 CB Add +54.4% 0.14% +0.04
BSCU Invesco Bulletshares 2030 CB Add +36.4% 0.14% +0.03
VTI VG Morningstar TS MKT ETF-US Add +7.7% 0.75% +0.02
BSCR Invesco Bulletshares 2027 CB Add +14.4% 0.17% +0.01
NVDA Nvidia Corp. Add +6.5% 0.25% +0.00
IBM Intl Business Machines Corp. Add +0.5% 0.08% −0.00
SPDW Ste STR SPDR PT DW Eu ETF Add +1.8% 0.14% −0.00
BSCQ Invesco Bulletshares 2026 CB Add +5.1% 0.15% −0.00
V Visa Inc. Class A Add +0.7% 0.09% −0.00
SCHB Schwab US Broad Market ETF Add +0.1% 0.07% −0.00
DFLV Dim US Large Cap Value ETF Add +0.3% 0.16% −0.00
ISCV iShares Morningstar Small-Ca Add +0.7% 0.12% −0.00
SCHC Schwab Intl Small-Cap Equity Add +1.0% 0.07% −0.00
PDN Inv Rafi Dev MKT US SM-Usdin Add +0.4% 0.17% −0.01
IJT iShares S&P Small-Cap 600 GR Add +0.9% 0.11% −0.01
JPM JPMorgan Chase & Co. Add +0.4% 0.23% −0.01
AVES Avantis Emerging Markets Val Add +0.0% 0.30% −0.01
IJR iShares Core S&P Small-Cap E Add +0.0% 0.28% −0.01
PRK Park National Corp. Add +0.2% 0.11% −0.01
IVV iShares Core S&P 500 ETF Add +0.2% 0.42% −0.02
DFEM Dimensional Emrg MRKT Core Add +2.2% 7.65% −0.07
DFAC Dimensional US Core Equity 2 Add +2.8% 25.67% −0.22

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