BETTER MONEY DECISIONS, LLC

Filed: 1/24/2025ACC: 0001667731-25-000121

📋 What this filing means

BETTER MONEY DECISIONS, LLC filed this quarterly 13F‑HR report disclosing 67 equity positions with a total reported market value of $144.32M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$144.32M

Total AUM (reported)

2.69M

Total Shares

Allocation by class

ISHS 1-5YR INVS$13.87M9.6%

PORTFOLIO SH TSR$13.49M9.4%

CORE MSCI EAFE$13.31M9.2%

COM$11.11M7.7%

US TARGETED VLU$9.81M6.8%

PORTFOLIO EMG MK$9.46M6.6%

CORE S&P MCP ETF$8.56M5.9%

Portfolio Concentration

Top 3$40.68M28.2%

4–10$49.63M34.4%

11–25$32.09M22.2%

Rest$21.92M15.2%

Top 3 weight

28.2%

Top 10 weight

62.6%

Voting Authority Distribution

Total shares with voting rights: 2.69M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.69M

% of voting shares100.0%

Investment Discretion (by position count)

Sole67

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings67

Rows:

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares268.34K

TypeSH

Market value$13.87M

9.61%

Sole

0.00

Shared

0.00

None

268.34K

SPDR SER TR

SOLE

PORTFOLIO SH TSR

Shares465.17K

TypeSH

Market value$13.49M

9.35%

Sole

0.00

Shared

0.00

None

465.17K

ISHARES TR

SOLE

CORE MSCI EAFE

Shares189.44K

TypeSH

Market value$13.31M

9.23%

Sole

0.00

Shared

0.00

None

189.44K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares176.23K

TypeSH

Market value$9.81M

6.80%

Sole

0.00

Shared

0.00

None

176.23K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares246.60K

TypeSH

Market value$9.46M

6.56%

Sole

0.00

Shared

0.00

None

246.60K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares137.36K

TypeSH

Market value$8.56M

5.93%

Sole

0.00

Shared

0.00

None

137.36K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares14.36K

TypeSH

Market value$7.74M

5.36%

Sole

0.00

Shared

0.00

None

14.36K

SPDR SER TR

SOLE

BLOOMBERG INVT

Shares171.50K

TypeSH

Market value$5.27M

3.65%

Sole

0.00

Shared

0.00

None

171.50K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares18.79K

TypeSH

Market value$4.52M

3.13%

Sole

0.00

Shared

0.00

None

18.79K

SPDR SER TR

SOLE

PORTFOLIO AGRGTE

Shares171.32K

TypeSH

Market value$4.28M

2.97%

Sole

0.00

Shared

0.00

None

171.32K

ISHARES TR

SOLE

ESG SCRND S&P500

Shares93.75K

TypeSH

Market value$4.25M

2.94%

Sole

0.00

Shared

0.00

None

93.75K

APPLE INC

SOLE

COM

Shares16.54K

TypeSH

Market value$4.14M

2.87%

Sole

0.00

Shared

0.00

None

16.54K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares47.14K

TypeSH

Market value$3.78M

2.62%

Sole

0.00

Shared

0.00

None

47.14K

NUSHARES ETF TR

SOLE

NUVEEN ESG INTL

Shares110.13K

TypeSH

Market value$3.31M

2.29%

Sole

0.00

Shared

0.00

None

110.13K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares38.12K

TypeSH

Market value$1.95M

1.35%

Sole

0.00

Shared

0.00

None

38.12K

ISHARES TR

SOLE

ESG AWR US AGRGT

Shares39.71K

TypeSH

Market value$1.84M

1.28%

Sole

0.00

Shared

0.00

None

39.71K

ISHARES TR

SOLE

IBOXX HI YD ETF

Shares22.85K

TypeSH

Market value$1.80M

1.25%

Sole

0.00

Shared

0.00

None

22.85K

ISHARES TR

SOLE

ESG AWRE 1 5 YR

Shares65.05K

TypeSH

Market value$1.61M

1.11%

Sole

0.00

Shared

0.00

None

65.05K

AMAZON COM INC

SOLE

COM

Shares6.82K

TypeSH

Market value$1.50M

1.04%

Sole

0.00

Shared

0.00

None

6.82K

NVIDIA CORPORATION

SOLE

COM

Shares10.87K

TypeSH

Market value$1.46M

1.01%

Sole

0.00

Shared

0.00

None

10.87K

ISHARES TR

SOLE

CORE INTL AGGR

Shares27.93K

TypeSH

Market value$1.39M

0.97%

Sole

0.00

Shared

0.00

None

27.93K

SPDR SER TR

SOLE

PORTFOLI S&P1500

Shares19.24K

TypeSH

Market value$1.37M

0.95%

Sole

0.00

Shared

0.00

None

19.24K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares14.33K

TypeSH

Market value$1.26M

0.87%

Sole

0.00

Shared

0.00

None

14.33K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares36.23K

TypeSH

Market value$1.24M

0.86%

Sole

0.00

Shared

0.00

None

36.23K

ISHARES TR

SOLE

ESG SCRND S&P SM

Shares28.95K

TypeSH

Market value$1.19M

0.83%

Sole

0.00

Shared

0.00

None

28.95K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	ISHS 1-5YR INVS	268.34K	SH	$13.87M 9.61%	268.34K
SPDR SER TRSOLE	PORTFOLIO SH TSR	465.17K	SH	$13.49M 9.35%	465.17K
ISHARES TRSOLE	CORE MSCI EAFE	189.44K	SH	$13.31M 9.23%	189.44K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	176.23K	SH	$9.81M 6.80%	176.23K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	246.60K	SH	$9.46M 6.56%	246.60K
ISHARES TRSOLE	CORE S&P MCP ETF	137.36K	SH	$8.56M 5.93%	137.36K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	14.36K	SH	$7.74M 5.36%	14.36K
SPDR SER TRSOLE	BLOOMBERG INVT	171.50K	SH	$5.27M 3.65%	171.50K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	18.79K	SH	$4.52M 3.13%	18.79K
SPDR SER TRSOLE	PORTFOLIO AGRGTE	171.32K	SH	$4.28M 2.97%	171.32K
ISHARES TRSOLE	ESG SCRND S&P500	93.75K	SH	$4.25M 2.94%	93.75K
APPLE INCSOLE	COM	16.54K	SH	$4.14M 2.87%	16.54K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	47.14K	SH	$3.78M 2.62%	47.14K
NUSHARES ETF TRSOLE	NUVEEN ESG INTL	110.13K	SH	$3.31M 2.29%	110.13K
SPDR SER TRSOLE	PRTFLO S&P500 VL	38.12K	SH	$1.95M 1.35%	38.12K
ISHARES TRSOLE	ESG AWR US AGRGT	39.71K	SH	$1.84M 1.28%	39.71K
ISHARES TRSOLE	IBOXX HI YD ETF	22.85K	SH	$1.80M 1.25%	22.85K
ISHARES TRSOLE	ESG AWRE 1 5 YR	65.05K	SH	$1.61M 1.11%	65.05K
AMAZON COM INCSOLE	COM	6.82K	SH	$1.50M 1.04%	6.82K
NVIDIA CORPORATIONSOLE	COM	10.87K	SH	$1.46M 1.01%	10.87K
ISHARES TRSOLE	CORE INTL AGGR	27.93K	SH	$1.39M 0.97%	27.93K
SPDR SER TRSOLE	PORTFOLI S&P1500	19.24K	SH	$1.37M 0.95%	19.24K
SPDR SER TRSOLE	PRTFLO S&P500 GW	14.33K	SH	$1.26M 0.87%	14.33K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	36.23K	SH	$1.24M 0.86%	36.23K
ISHARES TRSOLE	ESG SCRND S&P SM	28.95K	SH	$1.19M 0.83%	28.95K

Page 1 of 3