BETTER MONEY DECISIONS, LLC

Filed: 8/9/2023ACC: 0001214659-23-010907

📋 What this filing means

BETTER MONEY DECISIONS, LLC filed this quarterly 13F‑HR report disclosing 63 equity positions with a total reported market value of $122.68M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$122.68M

Total AUM (reported)

2.22M

Total Shares

Allocation by class

CORE MSCI EAFE$21.18M17.3%

ISHS 1-5YR INVS$14.63M11.9%

PORTFOLIO SH TSR$14.16M11.5%

SMALL CP ETF$8.40M6.8%

COM$7.24M5.9%

CORE S&P MCP ETF$6.12M5.0%

PORTFOLIO EMG MK$5.46M4.5%

Portfolio Concentration

Top 3$49.98M40.7%

4–10$34.35M28.0%

11–25$22.33M18.2%

Rest$16.02M13.1%

Top 3 weight

40.7%

Top 10 weight

68.7%

Voting Authority Distribution

Total shares with voting rights: 2.22M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.22M

% of voting shares100.0%

Investment Discretion (by position count)

Sole63

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings63

Rows:

ISHARES TR

SOLE

CORE MSCI EAFE

Shares313.78K

TypeSH

Market value$21.18M

17.26%

Sole

0.00

Shared

0.00

None

313.78K

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares291.71K

TypeSH

Market value$14.63M

11.93%

Sole

0.00

Shared

0.00

None

291.71K

SPDR SER TR

SOLE

PORTFOLIO SH TSR

Shares491.98K

TypeSH

Market value$14.16M

11.55%

Sole

0.00

Shared

0.00

None

491.98K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares42.23K

TypeSH

Market value$8.40M

6.85%

Sole

0.00

Shared

0.00

None

42.23K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares23.42K

TypeSH

Market value$6.12M

4.99%

Sole

0.00

Shared

0.00

None

23.42K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares158.88K

TypeSH

Market value$5.46M

4.45%

Sole

0.00

Shared

0.00

None

158.88K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares11K

TypeSH

Market value$4.48M

3.65%

Sole

0.00

Shared

0.00

None

11K

APPLE INC

SOLE

COM

Shares17.86K

TypeSH

Market value$3.46M

2.82%

Sole

0.00

Shared

0.00

None

17.86K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares42.53K

TypeSH

Market value$3.36M

2.74%

Sole

0.00

Shared

0.00

None

42.53K

SPDR SER TR

SOLE

BLOOMBERG INVT

Shares99.65K

TypeSH

Market value$3.06M

2.49%

Sole

0.00

Shared

0.00

None

99.65K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares37.92K

TypeSH

Market value$2.31M

1.89%

Sole

0.00

Shared

0.00

None

37.92K

ISHARES TR

SOLE

ESG SCRND S&P500

Shares67.44K

TypeSH

Market value$2.28M

1.86%

Sole

0.00

Shared

0.00

None

67.44K

ISHARES TR

SOLE

CORE INTL AGGR

Shares44.40K

TypeSH

Market value$2.19M

1.78%

Sole

0.00

Shared

0.00

None

44.40K

ISHARES TR

SOLE

ESG AWRE 1 5 YR

Shares82.45K

TypeSH

Market value$1.97M

1.61%

Sole

0.00

Shared

0.00

None

82.45K

NUSHARES ETF TR

SOLE

NUVEEN ESG INTL

Shares60.47K

TypeSH

Market value$1.75M

1.43%

Sole

0.00

Shared

0.00

None

60.47K

ISHARES TR

SOLE

ESG AWR US AGRGT

Shares33.69K

TypeSH

Market value$1.59M

1.30%

Sole

0.00

Shared

0.00

None

33.69K

VANGUARD INDEX FDS

SOLE

REAL ESTATE ETF

Shares17.59K

TypeSH

Market value$1.47M

1.20%

Sole

0.00

Shared

0.00

None

17.59K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares41.40K

TypeSH

Market value$1.35M

1.10%

Sole

0.00

Shared

0.00

None

41.40K

ISHARES TR

SOLE

IBOXX HI YD ETF

Shares15.74K

TypeSH

Market value$1.18M

0.96%

Sole

0.00

Shared

0.00

None

15.74K

VANGUARD WORLD FD

SOLE

ESG US STK ETF

Shares13.83K

TypeSH

Market value$1.08M

0.88%

Sole

0.00

Shared

0.00

None

13.83K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares24.20K

TypeSH

Market value$1.05M

0.85%

Sole

0.00

Shared

0.00

None

24.20K

AMAZON COM INC

SOLE

COM

Shares8K

TypeSH

Market value$1.04M

0.85%

Sole

0.00

Shared

0.00

None

VANGUARD SPECIALIZED FUNDS

SOLE

DIV APP ETF

Shares6.40K

TypeSH

Market value$1.04M

0.85%

Sole

0.00

Shared

0.00

None

6.40K

VANGUARD WORLD FDS

SOLE

HEALTH CAR ETF

Shares4.19K

TypeSH

Market value$1.03M

0.84%

Sole

0.00

Shared

0.00

None

4.19K

SPDR SER TR

SOLE

PORTFOLI S&P1500

Shares18.44K

TypeSH

Market value$1.00M

0.82%

Sole

0.00

Shared

0.00

None

18.44K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	CORE MSCI EAFE	313.78K	SH	$21.18M 17.26%	313.78K
ISHARES TRSOLE	ISHS 1-5YR INVS	291.71K	SH	$14.63M 11.93%	291.71K
SPDR SER TRSOLE	PORTFOLIO SH TSR	491.98K	SH	$14.16M 11.55%	491.98K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	42.23K	SH	$8.40M 6.85%	42.23K
ISHARES TRSOLE	CORE S&P MCP ETF	23.42K	SH	$6.12M 4.99%	23.42K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	158.88K	SH	$5.46M 4.45%	158.88K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	11K	SH	$4.48M 3.65%	11K
APPLE INCSOLE	COM	17.86K	SH	$3.46M 2.82%	17.86K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	42.53K	SH	$3.36M 2.74%	42.53K
SPDR SER TRSOLE	BLOOMBERG INVT	99.65K	SH	$3.06M 2.49%	99.65K
SPDR SER TRSOLE	PRTFLO S&P500 GW	37.92K	SH	$2.31M 1.89%	37.92K
ISHARES TRSOLE	ESG SCRND S&P500	67.44K	SH	$2.28M 1.86%	67.44K
ISHARES TRSOLE	CORE INTL AGGR	44.40K	SH	$2.19M 1.78%	44.40K
ISHARES TRSOLE	ESG AWRE 1 5 YR	82.45K	SH	$1.97M 1.61%	82.45K
NUSHARES ETF TRSOLE	NUVEEN ESG INTL	60.47K	SH	$1.75M 1.43%	60.47K
ISHARES TRSOLE	ESG AWR US AGRGT	33.69K	SH	$1.59M 1.30%	33.69K
VANGUARD INDEX FDSSOLE	REAL ESTATE ETF	17.59K	SH	$1.47M 1.20%	17.59K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	41.40K	SH	$1.35M 1.10%	41.40K
ISHARES TRSOLE	IBOXX HI YD ETF	15.74K	SH	$1.18M 0.96%	15.74K
VANGUARD WORLD FDSOLE	ESG US STK ETF	13.83K	SH	$1.08M 0.88%	13.83K
SPDR SER TRSOLE	PRTFLO S&P500 VL	24.20K	SH	$1.05M 0.85%	24.20K
AMAZON COM INCSOLE	COM	8K	SH	$1.04M 0.85%	8K
VANGUARD SPECIALIZED FUNDSSOLE	DIV APP ETF	6.40K	SH	$1.04M 0.85%	6.40K
VANGUARD WORLD FDSSOLE	HEALTH CAR ETF	4.19K	SH	$1.03M 0.84%	4.19K
SPDR SER TRSOLE	PORTFOLI S&P1500	18.44K	SH	$1.00M 0.82%	18.44K

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