# Sensible Money, LLC

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1965229. Source: https://holderbook.com/funds/1965229-sensible-money-llc/

- Reported value: $377.1M
- Positions: 101
- Weight of the ten largest: 83.6%
- Filed: 2026-07-30

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 |
|---|---|---|---|---|---|
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $98.6M | 2,221,756 | 26.1% | 15 |
| DIMENSIONAL ETF TRUST | [DFAT](https://holderbook.com/stocks/DFAT/) | $76.3M | 1,091,399 | 20.2% | 15 |
| DIMENSIONAL ETF TRUST | [DFEV](https://holderbook.com/stocks/DFEV/) | $31.9M | 748,053 | 8.5% | 15 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $30.5M | 751,422 | 8.1% | 15 |
| DIMENSIONAL ETF TRUST | [DFIC](https://holderbook.com/stocks/DFIC/) | $28.3M | 760,816 | 7.5% | 15 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $24.9M | 675,314 | 6.6% | 15 |
| DIMENSIONAL ETF TRUST | [DISV](https://holderbook.com/stocks/DISV/) | $12.8M | 319,752 | 3.4% | 15 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $4.6M | 126,857 | 1.2% | 15 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $4.0M | 13,993 | 1.1% | 15 |
| SCHWAB STRATEGIC TR | [FNDE](https://holderbook.com/stocks/FNDE/) | $3.3M | 84,214 | 0.9% | 15 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $3.0M | 8,088 | 0.8% | 15 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $2.4M | 29,709 | 0.6% | 15 |
| FREEPORT-MCMORAN INC | [FCX](https://holderbook.com/stocks/FCX/) | $2.4M | 38,368 | 0.6% | 15 |
| SPDR SERIES TRUST | [SLYV](https://holderbook.com/stocks/SLYV/) | $2.2M | 19,795 | 0.6% | 15 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $2.1M | 2,849 | 0.6% | 15 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $2.1M | 29,280 | 0.6% | 15 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $1.9M | 22,419 | 0.5% | 15 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $1.8M | 2,417 | 0.5% | 15 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $1.7M | 4,736 | 0.4% | 15 |
| ISHARES TR | [IWV](https://holderbook.com/stocks/IWV/) | $1.6M | 3,729 | 0.4% | 15 |
| FIRST TR EXCHANGE-TRADED FD | [QTEC](https://holderbook.com/stocks/QTEC/) | $1.4M | 4,266 | 0.4% | 15 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $1.4M | 1,971 | 0.4% | 15 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $1.1M | 7,483 | 0.3% | 15 |
| AMERICAN CENTY ETF TR | [AVES](https://holderbook.com/stocks/AVES/) | $1.1M | 16,341 | 0.3% | 15 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.0M | 2,935 | 0.3% | 15 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $969.6K | 10,048 | 0.3% | 15 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $924.7K | 1,848 | 0.2% | 2 |
| INVESCO EXCH TRD SLF IDX FD | [BSCS](https://holderbook.com/stocks/BSCS/) | $906.8K | 44,526 | 0.2% | 15 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $902.4K | 2,419 | 0.2% | 15 |
| WISDOMTREE TR | [EZM](https://holderbook.com/stocks/EZM/) | $899.2K | 11,866 | 0.2% | 15 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $836.0K | 9,513 | 0.2% | 1 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $834.7K | 8,653 | 0.2% | 15 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $815.1K | 3,420 | 0.2% | 15 |
| ISHARES TR | [IYW](https://holderbook.com/stocks/IYW/) | $807.1K | 3,200 | 0.2% | 15 |
| INVESCO EXCH TRADED FD TR II | [RWJ](https://holderbook.com/stocks/RWJ/) | $802.5K | 13,487 | 0.2% | 1 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $786.0K | 3,928 | 0.2% | 11 |
| INVESCO EXCHANGE TRADED FD T | [RSPH](https://holderbook.com/stocks/RSPH/) | $724.4K | 21,825 | 0.2% | 15 |
| DIMENSIONAL ETF TRUST | [DFAW](https://holderbook.com/stocks/DFAW/) | $714.1K | 8,625 | 0.2% | 3 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $668.0K | 2,041 | 0.2% | 15 |
| INVESCO EXCH TRADED FD TR II | [QQQM](https://holderbook.com/stocks/QQQM/) | $627.2K | 2,070 | 0.2% | 1 |
| DIMENSIONAL ETF TRUST | [DFLV](https://holderbook.com/stocks/DFLV/) | $585.9K | 14,818 | 0.2% | 10 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $584.1K | 793 | 0.2% | 15 |
| INVESCO EXCHANGE TRADED FD T | [PKW](https://holderbook.com/stocks/PKW/) | $564.1K | 3,982 | 0.1% | 15 |
| INVESCO EXCH TRADED FD TR II | [PDN](https://holderbook.com/stocks/PDN/) | $557.2K | 12,387 | 0.1% | 15 |
| SCHWAB STRATEGIC TR | [FNDC](https://holderbook.com/stocks/FNDC/) | $538.8K | 11,096 | 0.1% | 15 |
| INVESCO EXCH TRD SLF IDX FD | [BSCR](https://holderbook.com/stocks/BSCR/) | $535.0K | 27,273 | 0.1% | 15 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $534.3K | 5,532 | 0.1% | 15 |
| INVESCO EXCH TRD SLF IDX FD | [BSCU](https://holderbook.com/stocks/BSCU/) | $528.6K | 31,757 | 0.1% | 13 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $514.5K | 1,407 | 0.1% | 15 |
| ISHARES TR | [LQD](https://holderbook.com/stocks/LQD/) | $505.8K | 4,637 | 0.1% | 1 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $504.4K | 10,011 | 0.1% | 11 |
| INVESCO EXCH TRADED FD TR II | [SPLV](https://holderbook.com/stocks/SPLV/) | $494.6K | 6,603 | 0.1% | 15 |
| ISHARES TR | [QUAL](https://holderbook.com/stocks/QUAL/) | $489.8K | 2,232 | 0.1% | 15 |
| ISHARES TR | [IJJ](https://holderbook.com/stocks/IJJ/) | $489.1K | 3,311 | 0.1% | 15 |
| INVESCO EXCH TRD SLF IDX FD | [BSCT](https://holderbook.com/stocks/BSCT/) | $475.0K | 25,571 | 0.1% | 8 |
| FIRST TR EXCHANGE-TRADED FD | [FDN](https://holderbook.com/stocks/FDN/) | $467.2K | 1,765 | 0.1% | 15 |
| INVESCO EXCH TRD SLF IDX FD | [BSCQ](https://holderbook.com/stocks/BSCQ/) | $462.7K | 23,698 | 0.1% | 15 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $453.6K | 14,304 | 0.1% | 15 |
| ISHARES TR | [IJT](https://holderbook.com/stocks/IJT/) | $453.2K | 2,537 | 0.1% | 15 |
| SPDR SERIES TRUST | [SLYG](https://holderbook.com/stocks/SLYG/) | $452.3K | 3,797 | 0.1% | 15 |
| ISHARES TR | [ISCV](https://holderbook.com/stocks/ISCV/) | $450.9K | 5,757 | 0.1% | 11 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $438.9K | 2,672 | 0.1% | 9 |
| ISHARES INC | [ACWV](https://holderbook.com/stocks/ACWV/) | $438.5K | 3,647 | 0.1% | 15 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $427.7K | 1,411 | 0.1% | 15 |
| PARK NATL CORP | [PRK](https://holderbook.com/stocks/PRK/) | $408.6K | 2,233 | 0.1% | 15 |
| DIMENSIONAL ETF TRUST | [DFSV](https://holderbook.com/stocks/DFSV/) | $377.0K | 9,718 | 0.1% | 2 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $372.1K | 1,091 | 0.1% | 1 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $369.5K | 6,190 | 0.1% | 2 |
| SPDR SERIES TRUST | [MDYV](https://holderbook.com/stocks/MDYV/) | $366.5K | 3,864 | 0.1% | 15 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $364.1K | 1,671 | 0.1% | 1 |
| INVESCO EXCHANGE TRADED FD T | [PFI](https://holderbook.com/stocks/PFI/) | $363.8K | 5,973 | 0.1% | 15 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $362.0K | 4,203 | 0.1% | 15 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $340.0K | 4,220 | 0.1% | 15 |
| FIRST TR EXCH TRADED FD III | [FPE](https://holderbook.com/stocks/FPE/) | $337.4K | 18,870 | 0.1% | 1 |
| ALPS ETF TR | [BFOR](https://holderbook.com/stocks/BFOR/) | $309.4K | 3,236 | 0.1% | 11 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $296.3K | 10,067 | 0.1% | 10 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $292.3K | 852 | 0.1% | 8 |
| ISHARES TR | [IYG](https://holderbook.com/stocks/IYG/) | $290.7K | 3,213 | 0.1% | 10 |
| INVESCO EXCH TRADED FD TR II | [XMLV](https://holderbook.com/stocks/XMLV/) | $283.6K | 4,275 | 0.1% | 15 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $282.2K | 2,262 | 0.1% | 5 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $279.7K | 2,693 | 0.1% | 15 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $272.2K | 3,530 | 0.1% | 1 |
| VANECK ETF TRUST | [MOAT](https://holderbook.com/stocks/MOAT/) | $269.2K | 2,589 | 0.1% | 11 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $267.5K | 951 | 0.1% | 1 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $266.4K | 1,908 | 0.1% | 1 |
| SCHWAB STRATEGIC TR | [SCHP](https://holderbook.com/stocks/SCHP/) | $262.3K | 9,897 | 0.1% | 1 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $261.3K | 279 | 0.1% | 13 |
| FTAI AVIATION LTD | [FTAI](https://holderbook.com/stocks/FTAI/) | $257.8K | 953 | 0.1% | 4 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $250.3K | 8,641 | 0.1% | 4 |
| DIMENSIONAL ETF TRUST | [DFSE](https://holderbook.com/stocks/DFSE/) | $247.0K | 5,054 | 0.1% | 2 |
| SCHWAB STRATEGIC TR | [SCHC](https://holderbook.com/stocks/SCHC/) | $242.3K | 5,035 | 0.1% | 5 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $239.9K | 200 | 0.1% | 1 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $237.7K | 945 | 0.1% | 4 |
| PRINCIPAL EXCHANGE TRADED FD | [PREF](https://holderbook.com/stocks/PREF/) | $222.8K | 11,689 | 0.1% | 1 |
| VANGUARD INDEX FDS | [VNQ](https://holderbook.com/stocks/VNQ/) | $222.2K | 2,304 | 0.1% | 1 |
| DELL TECHNOLOGIES INC | [DELL](https://holderbook.com/stocks/DELL/) | $218.8K | 507 | 0.1% | 1 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $218.6K | 861 | 0.1% | 1 |
| WISDOMTREE TR | [EES](https://holderbook.com/stocks/EES/) | $214.4K | 3,162 | 0.1% | 1 |
| ISHARES TR | [EFAV](https://holderbook.com/stocks/EFAV/) | $208.9K | 2,382 | 0.1% | 5 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $205.5K | 2,799 | 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 2026 | +12.6% | +14.8% | -2.2% | 100% |
| Q1 2026 | +1.6% | -4.6% | +6.2% | 100% |
| Q4 2025 | +3.5% | +2.4% | +1.1% | 100% |
| Q3 2025 | +7.7% | +7.8% | -0.1% | 100% |
| Q2 2025 | +8.7% | +10.5% | -1.8% | 100% |
| Q1 2025 | -2.3% | -4.6% | +2.2% | 100% |
| Q4 2024 | -2.4% | +2.1% | -4.5% | 100% |
| Q3 2024 | +6.2% | +5.4% | +0.8% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $377.1M | 101 |
| Q1 2026 | $328.7M | 86 |
| Q4 2025 | $313.1M | 86 |
| Q3 2025 | $294.2M | 88 |
| Q2 2025 | $263.8M | 87 |
| Q1 2025 | $233.4M | 83 |
| Q4 2024 | $228.1M | 82 |
| Q3 2024 | $228.9M | 86 |
| Q2 2024 | $205.1M | 82 |
| Q1 2024 | $186.0M | 82 |
| Q4 2023 | $166.5M | 76 |
| Q3 2023 | $141.8M | 72 |