BETTER MONEY DECISIONS, LLC

Filed: 4/10/2025ACC: 0001667731-25-000409

📋 What this filing means

BETTER MONEY DECISIONS, LLC filed this quarterly 13F‑HR report disclosing 68 equity positions with a total reported market value of $149.83M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$149.83M

Total AUM (reported)

2.85M

Total Shares

Allocation by class

ISHS 1-5YR INVS$14.98M10.0%

CORE MSCI EAFE$14.80M9.9%

PORTFOLIO SH TSR$14.04M9.4%

COM$11.21M7.5%

PORTFOLIO EMG MK$9.94M6.6%

US TARGETED VLU$9.16M6.1%

CORE S&P MCP ETF$7.92M5.3%

Portfolio Concentration

Top 3$43.82M29.2%

4–10$48.51M32.4%

11–25$33.56M22.4%

Rest$23.94M16.0%

Top 3 weight

29.2%

Top 10 weight

61.6%

Voting Authority Distribution

Total shares with voting rights: 2.85M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.85M

% of voting shares100.0%

Investment Discretion (by position count)

Sole68

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings68

Rows:

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares285.97K

TypeSH

Market value$14.98M

10.00%

Sole

0.00

Shared

0.00

None

285.97K

ISHARES TR

SOLE

CORE MSCI EAFE

Shares195.66K

TypeSH

Market value$14.80M

9.88%

Sole

0.00

Shared

0.00

None

195.66K

SPDR SER TR

SOLE

PORTFOLIO SH TSR

Shares480.19K

TypeSH

Market value$14.04M

9.37%

Sole

0.00

Shared

0.00

None

480.19K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares252.37K

TypeSH

Market value$9.94M

6.63%

Sole

0.00

Shared

0.00

None

252.37K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares177.86K

TypeSH

Market value$9.16M

6.11%

Sole

0.00

Shared

0.00

None

177.86K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares135.66K

TypeSH

Market value$7.92M

5.28%

Sole

0.00

Shared

0.00

None

135.66K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares13.18K

TypeSH

Market value$6.77M

4.52%

Sole

0.00

Shared

0.00

None

13.18K

SPDR SER TR

SOLE

BLOOMBERG INVT

Shares191.31K

TypeSH

Market value$5.90M

3.94%

Sole

0.00

Shared

0.00

None

191.31K

APPLE INC

SOLE

COM

Shares20K

TypeSH

Market value$4.44M

2.97%

Sole

0.00

Shared

0.00

None

20K

SPDR SER TR

SOLE

PORTFOLIO AGRGTE

Shares171.89K

TypeSH

Market value$4.39M

2.93%

Sole

0.00

Shared

0.00

None

171.89K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares19.11K

TypeSH

Market value$4.24M

2.83%

Sole

0.00

Shared

0.00

None

19.11K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares51.23K

TypeSH

Market value$4.19M

2.80%

Sole

0.00

Shared

0.00

None

51.23K

NUSHARES ETF TR

SOLE

NUVEEN ESG INTL

Shares123.92K

TypeSH

Market value$3.95M

2.63%

Sole

0.00

Shared

0.00

None

123.92K

ISHARES TR

SOLE

ESG SELECT SCRE

Shares86.78K

TypeSH

Market value$3.71M

2.48%

Sole

0.00

Shared

0.00

None

86.78K

ISHARES TR

SOLE

CRE U S REIT ETF

Shares41.51K

TypeSH

Market value$2.39M

1.60%

Sole

0.00

Shared

0.00

None

41.51K

ISHARES TR

SOLE

ESG AWR US AGRGT

Shares43.22K

TypeSH

Market value$2.05M

1.37%

Sole

0.00

Shared

0.00

None

43.22K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares35.59K

TypeSH

Market value$1.82M

1.21%

Sole

0.00

Shared

0.00

None

35.59K

ISHARES TR

SOLE

IBOXX HI YD ETF

Shares21.82K

TypeSH

Market value$1.72M

1.15%

Sole

0.00

Shared

0.00

None

21.82K

ISHARES TR

SOLE

ESG AWRE 1 5 YR

Shares67.40K

TypeSH

Market value$1.68M

1.12%

Sole

0.00

Shared

0.00

None

67.40K

ISHARES TR

SOLE

CORE INTL AGGR

Shares27.65K

TypeSH

Market value$1.38M

0.92%

Sole

0.00

Shared

0.00

None

27.65K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares36.28K

TypeSH

Market value$1.32M

0.88%

Sole

0.00

Shared

0.00

None

36.28K

MICROSOFT CORP

SOLE

COM

Shares3.48K

TypeSH

Market value$1.31M

0.87%

Sole

0.00

Shared

0.00

None

3.48K

AMAZON COM INC

SOLE

COM

Shares6.80K

TypeSH

Market value$1.29M

0.86%

Sole

0.00

Shared

0.00

None

6.80K

SPDR SER TR

SOLE

PORTFOLI S&P1500

Shares18.55K

TypeSH

Market value$1.26M

0.84%

Sole

0.00

Shared

0.00

None

18.55K

ISHARES TR

SOLE

ESG SELECT SCREE

Shares32.98K

TypeSH

Market value$1.24M

0.83%

Sole

0.00

Shared

0.00

None

32.98K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	ISHS 1-5YR INVS	285.97K	SH	$14.98M 10.00%	285.97K
ISHARES TRSOLE	CORE MSCI EAFE	195.66K	SH	$14.80M 9.88%	195.66K
SPDR SER TRSOLE	PORTFOLIO SH TSR	480.19K	SH	$14.04M 9.37%	480.19K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	252.37K	SH	$9.94M 6.63%	252.37K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	177.86K	SH	$9.16M 6.11%	177.86K
ISHARES TRSOLE	CORE S&P MCP ETF	135.66K	SH	$7.92M 5.28%	135.66K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	13.18K	SH	$6.77M 4.52%	13.18K
SPDR SER TRSOLE	BLOOMBERG INVT	191.31K	SH	$5.90M 3.94%	191.31K
APPLE INCSOLE	COM	20K	SH	$4.44M 2.97%	20K
SPDR SER TRSOLE	PORTFOLIO AGRGTE	171.89K	SH	$4.39M 2.93%	171.89K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	19.11K	SH	$4.24M 2.83%	19.11K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	51.23K	SH	$4.19M 2.80%	51.23K
NUSHARES ETF TRSOLE	NUVEEN ESG INTL	123.92K	SH	$3.95M 2.63%	123.92K
ISHARES TRSOLE	ESG SELECT SCRE	86.78K	SH	$3.71M 2.48%	86.78K
ISHARES TRSOLE	CRE U S REIT ETF	41.51K	SH	$2.39M 1.60%	41.51K
ISHARES TRSOLE	ESG AWR US AGRGT	43.22K	SH	$2.05M 1.37%	43.22K
SPDR SER TRSOLE	PRTFLO S&P500 VL	35.59K	SH	$1.82M 1.21%	35.59K
ISHARES TRSOLE	IBOXX HI YD ETF	21.82K	SH	$1.72M 1.15%	21.82K
ISHARES TRSOLE	ESG AWRE 1 5 YR	67.40K	SH	$1.68M 1.12%	67.40K
ISHARES TRSOLE	CORE INTL AGGR	27.65K	SH	$1.38M 0.92%	27.65K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	36.28K	SH	$1.32M 0.88%	36.28K
MICROSOFT CORPSOLE	COM	3.48K	SH	$1.31M 0.87%	3.48K
AMAZON COM INCSOLE	COM	6.80K	SH	$1.29M 0.86%	6.80K
SPDR SER TRSOLE	PORTFOLI S&P1500	18.55K	SH	$1.26M 0.84%	18.55K
ISHARES TRSOLE	ESG SELECT SCREE	32.98K	SH	$1.24M 0.83%	32.98K

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