BETTER MONEY DECISIONS, LLC

Filed: 5/3/2023ACC: 0001214659-23-006457

📋 What this filing means

BETTER MONEY DECISIONS, LLC filed this quarterly 13F‑HR report disclosing 64 equity positions with a total reported market value of $118.52M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$118.52M

Total AUM (reported)

2.15M

Total Shares

Allocation by class

CORE MSCI EAFE$20.60M17.4%

ISHS 1-5YR INVS$14.52M12.3%

PORTFOLIO SH TSR$10.91M9.2%

SMALL CP ETF$7.98M6.7%

COM$6.55M5.5%

STRM INFPROIDX$5.83M4.9%

CORE S&P MCP ETF$5.82M4.9%

Portfolio Concentration

Top 3$46.04M38.8%

4–10$34.77M29.3%

11–25$21.65M18.3%

Rest$16.06M13.6%

Top 3 weight

38.8%

Top 10 weight

68.2%

Voting Authority Distribution

Total shares with voting rights: 2.15M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.15M

% of voting shares100.0%

Investment Discretion (by position count)

Sole64

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings64

Rows:

ISHARES TR

SOLE

CORE MSCI EAFE

Shares308.23K

TypeSH

Market value$20.60M

17.39%

Sole

0.00

Shared

0.00

None

308.23K

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares287.34K

TypeSH

Market value$14.52M

12.25%

Sole

0.00

Shared

0.00

None

287.34K

SPDR SER TR

SOLE

PORTFOLIO SH TSR

Shares373.30K

TypeSH

Market value$10.91M

9.21%

Sole

0.00

Shared

0.00

None

373.30K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares42.10K

TypeSH

Market value$7.98M

6.73%

Sole

0.00

Shared

0.00

None

42.10K

VANGUARD MALVERN FDS

SOLE

STRM INFPROIDX

Shares121.96K

TypeSH

Market value$5.83M

4.92%

Sole

0.00

Shared

0.00

None

121.96K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares23.26K

TypeSH

Market value$5.82M

4.91%

Sole

0.00

Shared

0.00

None

23.26K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares155.51K

TypeSH

Market value$5.31M

4.48%

Sole

0.00

Shared

0.00

None

155.51K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares10.52K

TypeSH

Market value$3.96M

3.34%

Sole

0.00

Shared

0.00

None

10.52K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares36.87K

TypeSH

Market value$2.96M

2.50%

Sole

0.00

Shared

0.00

None

36.87K

APPLE INC

SOLE

COM

Shares17.70K

TypeSH

Market value$2.92M

2.46%

Sole

0.00

Shared

0.00

None

17.70K

ISHARES TR

SOLE

ESG SCRND S&P500

Shares68.76K

TypeSH

Market value$2.12M

1.79%

Sole

0.00

Shared

0.00

None

68.76K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares38.37K

TypeSH

Market value$2.12M

1.79%

Sole

0.00

Shared

0.00

None

38.37K

SPDR SER TR

SOLE

BLOOMBERG INVT

Shares68.44K

TypeSH

Market value$2.08M

1.76%

Sole

0.00

Shared

0.00

None

68.44K

ISHARES TR

SOLE

ESG AWRE 1 5 YR

Shares83.75K

TypeSH

Market value$2.02M

1.70%

Sole

0.00

Shared

0.00

None

83.75K

NUSHARES ETF TR

SOLE

NUVEEN ESG INTL

Shares59.86K

TypeSH

Market value$1.68M

1.42%

Sole

0.00

Shared

0.00

None

59.86K

ISHARES TR

SOLE

CORE INTL AGGR

Shares33.63K

TypeSH

Market value$1.65M

1.39%

Sole

0.00

Shared

0.00

None

33.63K

ISHARES TR

SOLE

ESG AWR US AGRGT

Shares31.03K

TypeSH

Market value$1.49M

1.26%

Sole

0.00

Shared

0.00

None

31.03K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares17.10K

TypeSH

Market value$1.42M

1.20%

Sole

0.00

Shared

0.00

None

17.10K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares41.07K

TypeSH

Market value$1.32M

1.11%

Sole

0.00

Shared

0.00

None

41.07K

VANGUARD WORLD FDS

SOLE

HEALTH CAR ETF

Shares4.19K

TypeSH

Market value$1.00M

0.84%

Sole

0.00

Shared

0.00

None

4.19K

VANGUARD WORLD FD

SOLE

ESG US STK ETF

Shares13.94K

TypeSH

Market value$999.3K

0.84%

Sole

0.00

Shared

0.00

None

13.94K

VANGUARD SPECIALIZED FUNDS

SOLE

DIV APP ETF

Shares6.13K

TypeSH

Market value$943.5K

0.80%

Sole

0.00

Shared

0.00

None

6.13K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares9.75K

TypeSH

Market value$942.9K

0.80%

Sole

0.00

Shared

0.00

None

9.75K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares22.89K

TypeSH

Market value$932.1K

0.79%

Sole

0.00

Shared

0.00

None

22.89K

SPDR SER TR

SOLE

PORTFOLI S&P1500

Shares18.30K

TypeSH

Market value$923.0K

0.78%

Sole

0.00

Shared

0.00

None

18.30K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	CORE MSCI EAFE	308.23K	SH	$20.60M 17.39%	308.23K
ISHARES TRSOLE	ISHS 1-5YR INVS	287.34K	SH	$14.52M 12.25%	287.34K
SPDR SER TRSOLE	PORTFOLIO SH TSR	373.30K	SH	$10.91M 9.21%	373.30K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	42.10K	SH	$7.98M 6.73%	42.10K
VANGUARD MALVERN FDSSOLE	STRM INFPROIDX	121.96K	SH	$5.83M 4.92%	121.96K
ISHARES TRSOLE	CORE S&P MCP ETF	23.26K	SH	$5.82M 4.91%	23.26K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	155.51K	SH	$5.31M 4.48%	155.51K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	10.52K	SH	$3.96M 3.34%	10.52K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	36.87K	SH	$2.96M 2.50%	36.87K
APPLE INCSOLE	COM	17.70K	SH	$2.92M 2.46%	17.70K
ISHARES TRSOLE	ESG SCRND S&P500	68.76K	SH	$2.12M 1.79%	68.76K
SPDR SER TRSOLE	PRTFLO S&P500 GW	38.37K	SH	$2.12M 1.79%	38.37K
SPDR SER TRSOLE	BLOOMBERG INVT	68.44K	SH	$2.08M 1.76%	68.44K
ISHARES TRSOLE	ESG AWRE 1 5 YR	83.75K	SH	$2.02M 1.70%	83.75K
NUSHARES ETF TRSOLE	NUVEEN ESG INTL	59.86K	SH	$1.68M 1.42%	59.86K
ISHARES TRSOLE	CORE INTL AGGR	33.63K	SH	$1.65M 1.39%	33.63K
ISHARES TRSOLE	ESG AWR US AGRGT	31.03K	SH	$1.49M 1.26%	31.03K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	17.10K	SH	$1.42M 1.20%	17.10K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	41.07K	SH	$1.32M 1.11%	41.07K
VANGUARD WORLD FDSSOLE	HEALTH CAR ETF	4.19K	SH	$1.00M 0.84%	4.19K
VANGUARD WORLD FDSOLE	ESG US STK ETF	13.94K	SH	$999.3K 0.84%	13.94K
VANGUARD SPECIALIZED FUNDSSOLE	DIV APP ETF	6.13K	SH	$943.5K 0.80%	6.13K
ISHARES TRSOLE	CORE S&P SCP ETF	9.75K	SH	$942.9K 0.80%	9.75K
SPDR SER TRSOLE	PRTFLO S&P500 VL	22.89K	SH	$932.1K 0.79%	22.89K
SPDR SER TRSOLE	PORTFOLI S&P1500	18.30K	SH	$923.0K 0.78%	18.30K

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