# ERn Financial, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1768302. Source: https://holderbook.com/funds/1768302-ern-financial-llc/

- Reported value: $604.3M
- Positions: 161
- Weight of the ten largest: 38.5%
- Filed: 2026-07-23

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $44.5M | 373,603 | 7.4% | 31 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $43.3M | 712,567 | 7.2% | 31 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $32.9M | 652,818 | 5.4% | 31 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $20.9M | 216,224 | 3.5% | 26 |
| VICTORY PORTFOLIOS II | [USTB](https://holderbook.com/stocks/USTB/) | $17.7M | 349,663 | 2.9% | 9 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $16.6M | 171,570 | 2.7% | 20 |
| SPDR SERIES TRUST | [MDYV](https://holderbook.com/stocks/MDYV/) | $16.2M | 171,098 | 2.7% | 31 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $14.0M | 269,872 | 2.3% | 31 |
| J P MORGAN EXCHANGE TRADED F | [JTEK](https://holderbook.com/stocks/JTEK/) | $13.4M | 120,322 | 2.2% | 3 |
| PIMCO ETF TR | [PYLD](https://holderbook.com/stocks/PYLD/) | $13.3M | 500,101 | 2.2% | 11 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $12.4M | 56,629 | 2.1% | 31 |
| ISHARES TR | [REET](https://holderbook.com/stocks/REET/) | $12.1M | 439,376 | 2.0% | 31 |
| JOHN HANCOCK EXCHANGE TRADED | [JHML](https://holderbook.com/stocks/JHML/) | $12.1M | 135,558 | 2.0% | 25 |
| DIMENSIONAL ETF TRUST | [DFCF](https://holderbook.com/stocks/DFCF/) | $11.9M | 282,203 | 2.0% | 17 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $11.7M | 318,909 | 1.9% | 20 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $11.4M | 132,586 | 1.9% | 31 |
| SPDR SERIES TRUST | [MDYG](https://holderbook.com/stocks/MDYG/) | $10.3M | 91,445 | 1.7% | 31 |
| SPDR SERIES TRUST | [SPAB](https://holderbook.com/stocks/SPAB/) | $10.1M | 397,513 | 1.7% | 31 |
| SPDR SERIES TRUST | [SPIP](https://holderbook.com/stocks/SPIP/) | $9.6M | 371,944 | 1.6% | 31 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $9.5M | 108,169 | 1.6% | 31 |
| AMERICAN CENTY ETF TR | [FDG](https://holderbook.com/stocks/FDG/) | $9.5M | 71,005 | 1.6% | 23 |
| INVESCO EXCH TRD SLF IDX FD | [OMFL](https://holderbook.com/stocks/OMFL/) | $9.2M | 133,689 | 1.5% | 21 |
| ISHARES TR | [USRT](https://holderbook.com/stocks/USRT/) | $8.8M | 132,502 | 1.5% | 31 |
| VANECK ETF TRUST | [RAAX](https://holderbook.com/stocks/RAAX/) | $8.7M | 218,783 | 1.4% | 3 |
| HARTFORD FDS EXCHANGE TRADED | [HMOP](https://holderbook.com/stocks/HMOP/) | $8.2M | 208,729 | 1.4% | 15 |
| FIRST TR EXCH TRADED FD III | [FMB](https://holderbook.com/stocks/FMB/) | $7.8M | 152,769 | 1.3% | 31 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $7.6M | 61,310 | 1.3% | 17 |
| VANGUARD SCOTTSDALE FDS | [VONG](https://holderbook.com/stocks/VONG/) | $7.4M | 58,130 | 1.2% | 17 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $7.4M | 10,752 | 1.2% | 27 |
| PIMCO ETF TR | [MUNI](https://holderbook.com/stocks/MUNI/) | $7.3M | 138,155 | 1.2% | 20 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $7.0M | 67,864 | 1.2% | 31 |
| PUTNAM ETF TRUST | [PVAL](https://holderbook.com/stocks/PVAL/) | $6.7M | 132,470 | 1.1% | 9 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $6.6M | 22,779 | 1.1% | 31 |
| FIRST TR EXCHNG TRADED FD VI | [FIXD](https://holderbook.com/stocks/FIXD/) | $6.2M | 143,214 | 1.0% | 25 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $6.2M | 41,653 | 1.0% | 26 |
| J P MORGAN EXCHANGE TRADED F | [JMST](https://holderbook.com/stocks/JMST/) | $5.9M | 115,911 | 1.0% | 26 |
| J P MORGAN EXCHANGE TRADED F | [JBND](https://holderbook.com/stocks/JBND/) | $5.9M | 109,604 | 1.0% | 5 |
| SPDR SERIES TRUST | [SLYG](https://holderbook.com/stocks/SLYG/) | $5.8M | 48,685 | 1.0% | 31 |
| BLACKROCK ETF TRUST | [DYNF](https://holderbook.com/stocks/DYNF/) | $5.2M | 76,093 | 0.9% | 5 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $4.5M | 6,066 | 0.8% | 31 |
| JOHN HANCOCK EXCHANGE TRADED | [JHMM](https://holderbook.com/stocks/JHMM/) | $4.4M | 58,812 | 0.7% | 26 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $4.4M | 20,113 | 0.7% | 26 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $3.6M | 17,872 | 0.6% | 20 |
| FIRST TR EXCHNG TRADED FD VI | [FNOV](https://holderbook.com/stocks/FNOV/) | $3.4M | 57,313 | 0.6% | 15 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $3.1M | 76,316 | 0.5% | 17 |
| DIMENSIONAL ETF TRUST | [DFAU](https://holderbook.com/stocks/DFAU/) | $3.1M | 59,969 | 0.5% | 22 |
| CAPITAL GROUP INTL FOCUS EQT | [CGXU](https://holderbook.com/stocks/CGXU/) | $3.0M | 86,256 | 0.5% | 7 |
| BLACKROCK ETF TRUST II | [IVVB](https://holderbook.com/stocks/IVVB/) | $2.5M | 72,456 | 0.4% | 5 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $2.5M | 8,101 | 0.4% | 31 |
| SCHWAB STRATEGIC TR | [FNDE](https://holderbook.com/stocks/FNDE/) | $2.4M | 61,131 | 0.4% | 5 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $2.4M | 30,721 | 0.4% | 31 |
| FIRST TR EXCHNG TRADED FD VI | [FSEP](https://holderbook.com/stocks/FSEP/) | $2.4M | 42,838 | 0.4% | 7 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $2.3M | 28,187 | 0.4% | 31 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $2.1M | 2,861 | 0.3% | 11 |
| INVESCO EXCHANGE TRADED FD T | [SPHQ](https://holderbook.com/stocks/SPHQ/) | $2.0M | 22,598 | 0.3% | 11 |
| DIMENSIONAL ETF TRUST | [DFIS](https://holderbook.com/stocks/DFIS/) | $2.0M | 57,717 | 0.3% | 17 |
| PACER FDS TR | [COWZ](https://holderbook.com/stocks/COWZ/) | $1.9M | 29,937 | 0.3% | 17 |
| FIRST TR EXCHANGE-TRADED FD | [FTCS](https://holderbook.com/stocks/FTCS/) | $1.9M | 19,822 | 0.3% | 25 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.8M | 4,775 | 0.3% | 31 |
| FIRST TR EXCHANGE-TRADED FD | [FVD](https://holderbook.com/stocks/FVD/) | $1.8M | 36,377 | 0.3% | 25 |
| SPDR SERIES TRUST | [SLYV](https://holderbook.com/stocks/SLYV/) | $1.7M | 15,232 | 0.3% | 31 |
| FAIR ISAAC CORP | [FICO](https://holderbook.com/stocks/FICO/) | $1.6M | 1,364 | 0.3% | 16 |
| ISHARES TR | [MTUM](https://holderbook.com/stocks/MTUM/) | $1.6M | 4,716 | 0.3% | 31 |
| ISHARES INC | [EMXC](https://holderbook.com/stocks/EMXC/) | $1.6M | 15,553 | 0.3% | 12 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $1.5M | 2,046 | 0.3% | 31 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.5M | 4,251 | 0.2% | 22 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $1.5M | 21,754 | 0.2% | 26 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $1.5M | 3,511 | 0.2% | 21 |
| FIDELITY COVINGTON TRUST | [FDVV](https://holderbook.com/stocks/FDVV/) | $1.5M | 24,220 | 0.2% | 5 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $1.5M | 20,489 | 0.2% | 27 |
| CREDIT ACCEP CORP MICH | [CACC](https://holderbook.com/stocks/CACC/) | $1.3M | 2,100 | 0.2% | 31 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $1.3M | 5,577 | 0.2% | 31 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $1.3M | 17,059 | 0.2% | 5 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $1.2M | 27,894 | 0.2% | 21 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.2M | 4,939 | 0.2% | 31 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.1M | 3,194 | 0.2% | 22 |
| ISHARES TR | [ESGU](https://holderbook.com/stocks/ESGU/) | $1.1M | 6,910 | 0.2% | 26 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $1.1M | 3,040 | 0.2% | 27 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $1.1M | 925 | 0.2% | 3 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $1.0M | 1,855 | 0.2% | 13 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $1.0M | 7,118 | 0.2% | 25 |
| J P MORGAN EXCHANGE TRADED F | [JEPI](https://holderbook.com/stocks/JEPI/) | $1.0M | 18,446 | 0.2% | 11 |
| ISHARES TR | [ESGD](https://holderbook.com/stocks/ESGD/) | $1.0M | 9,952 | 0.2% | 25 |
| FIRST TR EXCHNG TRADED FD VI | [FAUG](https://holderbook.com/stocks/FAUG/) | $1.0M | 17,718 | 0.2% | 4 |
| J P MORGAN EXCHANGE TRADED F | [JIVE](https://holderbook.com/stocks/JIVE/) | $989.2K | 10,757 | 0.2% | 2 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $978.5K | 2,590 | 0.2% | 13 |
| ISHARES TR | [IUSV](https://holderbook.com/stocks/IUSV/) | $975.0K | 8,851 | 0.2% | 26 |
| CAPITAL GROUP NEW GEOGRAPHY | [CGNG](https://holderbook.com/stocks/CGNG/) | $926.8K | 24,741 | 0.2% | 3 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $867.3K | 723 | 0.1% | 18 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $862.9K | 2,332 | 0.1% | 27 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $842.5K | 6,163 | 0.1% | 31 |
| AMERICAN CENTY ETF TR | [TAXF](https://holderbook.com/stocks/TAXF/) | $822.0K | 16,170 | 0.1% | 17 |
| ARISTA NETWORKS INC | [ANET](https://holderbook.com/stocks/ANET/) | $814.6K | 4,795 | 0.1% | 7 |
| SPDR SERIES TRUST | [SPMD](https://holderbook.com/stocks/SPMD/) | $802.9K | 11,884 | 0.1% | 31 |
| AMERICAN CENTY ETF TR | [AVEE](https://holderbook.com/stocks/AVEE/) | $749.2K | 10,807 | 0.1% | 5 |
| RBB FUND TRUST | [FEOE](https://holderbook.com/stocks/FEOE/) | $735.5K | 13,774 | 0.1% | 2 |
| WISDOMTREE TR | [DEM](https://holderbook.com/stocks/DEM/) | $731.3K | 13,595 | 0.1% | 9 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $697.1K | 2,869 | 0.1% | 26 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $695.0K | 1,389 | 0.1% | 31 |
| INVESCO EXCH TRD SLF IDX FD | [OMFS](https://holderbook.com/stocks/OMFS/) | $680.8K | 12,764 | 0.1% | 19 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +10.9% | +14.8% | -4.0% | 100% |
| Q1 2026 | -1.5% | -4.6% | +3.1% | 100% |
| Q4 2025 | +1.6% | +2.4% | -0.7% | 100% |
| Q3 2025 | +5.9% | +7.8% | -1.9% | 100% |
| Q2 2025 | +7.9% | +10.5% | -2.5% | 100% |
| Q1 2025 | -2.3% | -4.6% | +2.2% | 100% |
| Q4 2024 | -0.9% | +2.1% | -3.1% | 100% |
| Q3 2024 | +6.0% | +5.4% | +0.5% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $604.3M | 161 |
| Q1 2026 | $531.8M | 150 |
| Q4 2025 | $531.9M | 146 |
| Q3 2025 | $506.5M | 140 |
| Q2 2025 | $474.0M | 145 |
| Q1 2025 | $632.9M | 180 |
| Q4 2024 | $666.5M | 190 |
| Q3 2024 | $657.3M | 187 |
| Q2 2024 | $1.2B | 177 |
| Q1 2024 | $576.5M | 173 |
| Q4 2023 | $528.6M | 166 |
| Q3 2023 | $460.9M | 166 |