# Better Money Decisions, LLC

> Institutional holdings reported to the SEC as of Q2 2025 on Form 13F. CIK 1858428. Source: https://holderbook.com/funds/1858428-better-money-decisions-llc/

- Reported value: $164.6M
- Positions: 74
- Weight of the ten largest: 60.9%
- Filed: 2025-08-08

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 |
|---|---|---|---|---|---|
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $16.7M | 200,431 | 10.2% | 18 |
| ISHARES TR | [IGSB](https://holderbook.com/stocks/IGSB/) | $15.9M | 301,082 | 9.7% | 18 |
| SPDR SERIES TRUST | [SPTS](https://holderbook.com/stocks/SPTS/) | $14.8M | 504,368 | 9.0% | 18 |
| SPDR INDEX SHS FDS | [SPEM](https://holderbook.com/stocks/SPEM/) | $11.3M | 263,223 | 6.8% | 18 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $10.1M | 187,289 | 6.1% | 10 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $8.7M | 140,957 | 5.3% | 18 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $7.0M | 12,299 | 4.2% | 18 |
| SPDR SERIES TRUST | [FLRN](https://holderbook.com/stocks/FLRN/) | $6.4M | 207,496 | 3.9% | 17 |
| SPDR SERIES TRUST | [SPAB](https://holderbook.com/stocks/SPAB/) | $4.8M | 189,378 | 2.9% | 18 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $4.6M | 19,257 | 2.8% | 18 |
| NUSHARES ETF TR | [NUDM](https://holderbook.com/stocks/NUDM/) | $4.5M | 126,504 | 2.7% | 15 |
| ISHARES TR | [XVV](https://holderbook.com/stocks/XVV/) | $4.2M | 88,618 | 2.6% | 15 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $4.1M | 20,034 | 2.5% | 18 |
| VANGUARD SCOTTSDALE FDS | [VCIT](https://holderbook.com/stocks/VCIT/) | $4.1M | 49,446 | 2.5% | 11 |
| ISHARES TR | [USRT](https://holderbook.com/stocks/USRT/) | $2.4M | 43,255 | 1.5% | 2 |
| ISHARES TR | [EAGG](https://holderbook.com/stocks/EAGG/) | $2.1M | 44,950 | 1.3% | 18 |
| ISHARES TR | [HYG](https://holderbook.com/stocks/HYG/) | $2.0M | 24,199 | 1.2% | 10 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $1.9M | 36,647 | 1.2% | 18 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $1.7M | 3,498 | 1.1% | 18 |
| ISHARES TR | [SUSB](https://holderbook.com/stocks/SUSB/) | $1.7M | 69,075 | 1.1% | 18 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.6M | 10,032 | 1.0% | 7 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $1.5M | 37,000 | 0.9% | 18 |
| ISHARES TR | [IAGG](https://holderbook.com/stocks/IAGG/) | $1.5M | 28,903 | 0.9% | 18 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.5M | 6,686 | 0.9% | 18 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $1.5M | 15,234 | 0.9% | 18 |
| SPDR SERIES TRUST | [SPTM](https://holderbook.com/stocks/SPTM/) | $1.4M | 19,177 | 0.9% | 18 |
| ISHARES TR | [XJR](https://holderbook.com/stocks/XJR/) | $1.4M | 34,450 | 0.8% | 13 |
| ISHARES TR | [IYW](https://holderbook.com/stocks/IYW/) | $1.1M | 6,273 | 0.7% | 18 |
| ISHARES TR | [HYXF](https://holderbook.com/stocks/HYXF/) | $1.1M | 22,883 | 0.7% | 5 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $1.1M | 1,741 | 0.7% | 18 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $1.0M | 9,278 | 0.6% | 18 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $967.8K | 3,897 | 0.6% | 18 |
| NUSHARES ETF TR | [NUEM](https://holderbook.com/stocks/NUEM/) | $911.9K | 27,458 | 0.6% | 11 |
| ISHARES TR | [XJH](https://holderbook.com/stocks/XJH/) | $902.3K | 21,743 | 0.5% | 11 |
| NETFLIX INC | [NFLX](https://holderbook.com/stocks/NFLX/) | $895.9K | 669 | 0.5% | 11 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $860.2K | 2,967 | 0.5% | 11 |
| NUSHARES ETF TR | [NULV](https://holderbook.com/stocks/NULV/) | $859.9K | 20,516 | 0.5% | 7 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $789.7K | 2,486 | 0.5% | 1 |
| ISHARES TR | [BGRN](https://holderbook.com/stocks/BGRN/) | $768.1K | 16,112 | 0.5% | 13 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $729.7K | 4,140 | 0.4% | 18 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $680.1K | 3,323 | 0.4% | 18 |
| TOAST INC | [TOST](https://holderbook.com/stocks/TOST/) | $665.3K | 15,021 | 0.4% | 2 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $658.6K | 2,167 | 0.4% | 18 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $652.4K | 18,203 | 0.4% | 17 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $577.1K | 4,329 | 0.4% | 11 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $523.0K | 709 | 0.3% | 6 |
| PGIM ETF TR | [PHYL](https://holderbook.com/stocks/PHYL/) | $505.7K | 14,250 | 0.3% | 3 |
| ISHARES TR | [IYJ](https://holderbook.com/stocks/IYJ/) | $500.6K | 3,518 | 0.3% | 18 |
| VANGUARD WORLD FD | [MGV](https://holderbook.com/stocks/MGV/) | $477.0K | 3,636 | 0.3% | 1 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $461.0K | 949 | 0.3% | 18 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $457.7K | 741 | 0.3% | 17 |
| VANGUARD WORLD FD | [ESGV](https://holderbook.com/stocks/ESGV/) | $454.4K | 4,144 | 0.3% | 18 |
| FLEXSHARES TR | [ESG](https://holderbook.com/stocks/ESG/) | $447.0K | 3,044 | 0.3% | 6 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $431.1K | 3,011 | 0.3% | 18 |
| SPDR SERIES TRUST | [SPSB](https://holderbook.com/stocks/SPSB/) | $420.5K | 13,929 | 0.3% | 18 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $415.3K | 1,484 | 0.3% | 13 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $383.1K | 387 | 0.2% | 18 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $331.7K | 11,295 | 0.2% | 10 |
| LOWES COS INC | [LOW](https://holderbook.com/stocks/LOW/) | $322.8K | 1,455 | 0.2% | 2 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $315.9K | 1,107 | 0.2% | 7 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $314.3K | 3,953 | 0.2% | 3 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $313.2K | 4,426 | 0.2% | 13 |
| WISDOMTREE TR | [DES](https://holderbook.com/stocks/DES/) | $306.4K | 9,648 | 0.2% | 3 |
| ISHARES TR | [SUSL](https://holderbook.com/stocks/SUSL/) | $304.6K | 2,812 | 0.2% | 6 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $289.0K | 524 | 0.2% | 7 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $263.7K | 398 | 0.2% | 7 |
| KKR & CO INC | [KKR](https://holderbook.com/stocks/KKR/) | $249.0K | 1,872 | 0.2% | 6 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $228.6K | 8,150 | 0.1% | 6 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $226.3K | 1,376 | 0.1% | 3 |
| TAIWAN SEMICONDUCTOR MANUFAC | [TSM](https://holderbook.com/stocks/TSM/) | $217.2K | 959 | 0.1% | 1 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $216.9K | 8,876 | 0.1% | 1 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $205.4K | 798 | 0.1% | 1 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $203.2K | 637 | 0.1% | 1 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $200.3K | 791 | 0.1% | 1 |

## 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 2025 | +5.8% | +10.5% | -4.6% | 100% |
| Q1 2025 | -1.3% | -4.6% | +3.2% | 100% |
| Q4 2024 | -1.6% | +2.1% | -3.8% | 100% |
| Q3 2024 | +5.5% | +5.4% | +0.0% | 100% |
| Q2 2024 | +0.7% | +4.0% | -3.3% | 100% |
| Q1 2024 | +4.3% | +10.0% | -5.7% | 100% |
| Q4 2023 | +7.5% | +11.2% | -3.7% | 100% |
| Q3 2023 | -3.3% | -3.6% | +0.3% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2025 | $164.6M | 74 |
| Q1 2025 | $149.8M | 68 |
| Q4 2024 | $144.3M | 67 |
| Q3 2024 | $141.0M | 64 |
| Q2 2024 | $132.9M | 65 |
| Q1 2024 | $126.1M | 66 |
| Q4 2023 | $120.5M | 61 |
| Q3 2023 | $113.6M | 58 |
| Q2 2023 | $122.7M | 63 |
| Q1 2023 | $118.5M | 64 |
| Q4 2022 | $115.3M | 68 |
| Q3 2022 | $102.7M | 57 |