BETTER MONEY DECISIONS, LLC

Filed: 1/23/2024ACC: 0001800502-24-000002

📋 What this filing means

BETTER MONEY DECISIONS, LLC filed this quarterly 13F‑HR report disclosing 61 equity positions with a total reported market value of $120.46M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$120.46M

Total AUM (reported)

2.17M

Total Shares

Allocation by class

CORE MSCI EAFE$17.76M14.7%

ISHS 1-5YR INVS$12.65M10.5%

PORTFOLIO SH TSR$11.65M9.7%

COM$7.71M6.4%

CORE S&P MCP ETF$7.30M6.1%

SMALL CP ETF$7.26M6.0%

PORTFOLIO EMG MK$6.39M5.3%

Portfolio Concentration

Top 3$42.06M34.9%

4–10$38.35M31.8%

11–25$25.08M20.8%

Rest$14.96M12.4%

Top 3 weight

34.9%

Top 10 weight

66.8%

Voting Authority Distribution

Total shares with voting rights: 2.17M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

2.17M

% of voting shares100.0%

Investment Discretion (by position count)

Sole61

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings61

Rows:

ISHARES TR

SOLE

CORE MSCI EAFE

Shares252.47K

TypeSH

Market value$17.76M

14.74%

Sole

0.00

Shared

0.00

None

252.47K

ISHARES TR

SOLE

ISHS 1-5YR INVS

Shares246.74K

TypeSH

Market value$12.65M

10.50%

Sole

0.00

Shared

0.00

None

246.74K

SPDR SER TR

SOLE

PORTFOLIO SH TSR

Shares401.06K

TypeSH

Market value$11.65M

9.67%

Sole

0.00

Shared

0.00

None

401.06K

ISHARES TR

SOLE

CORE S&P MCP ETF

Shares26.35K

TypeSH

Market value$7.30M

6.06%

Sole

0.00

Shared

0.00

None

26.35K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares34.03K

TypeSH

Market value$7.26M

6.03%

Sole

0.00

Shared

0.00

None

34.03K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares180.50K

TypeSH

Market value$6.39M

5.31%

Sole

0.00

Shared

0.00

None

180.50K

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares12.24K

TypeSH

Market value$5.35M

4.44%

Sole

0.00

Shared

0.00

None

12.24K

DIMENSIONAL ETF TRUST

SOLE

US TARGETED VLU

Shares96.65K

TypeSH

Market value$5.06M

4.20%

Sole

0.00

Shared

0.00

None

96.65K

ISHARES TR

SOLE

ESG SCRND S&P500

Shares96.69K

TypeSH

Market value$3.52M

2.92%

Sole

0.00

Shared

0.00

None

96.69K

APPLE INC

SOLE

COM

Shares18.06K

TypeSH

Market value$3.48M

2.89%

Sole

0.00

Shared

0.00

None

18.06K

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares36.88K

TypeSH

Market value$3.00M

2.49%

Sole

0.00

Shared

0.00

None

36.88K

SPDR SER TR

SOLE

BLOOMBERG INVT

Shares95.22K

TypeSH

Market value$2.91M

2.42%

Sole

0.00

Shared

0.00

None

95.22K

NUSHARES ETF TR

SOLE

NUVEEN ESG INTL

Shares94.80K

TypeSH

Market value$2.79M

2.32%

Sole

0.00

Shared

0.00

None

94.80K

SPDR SER TR

SOLE

PORTFOLIO AGRGTE

Shares94.36K

TypeSH

Market value$2.42M

2.01%

Sole

0.00

Shared

0.00

None

94.36K

ISHARES TR

SOLE

ESG AWRE 1 5 YR

Shares80.16K

TypeSH

Market value$1.96M

1.63%

Sole

0.00

Shared

0.00

None

80.16K

ISHARES TR

SOLE

ESG AWR US AGRGT

Shares33.26K

TypeSH

Market value$1.59M

1.32%

Sole

0.00

Shared

0.00

None

33.26K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares29.30K

TypeSH

Market value$1.37M

1.13%

Sole

0.00

Shared

0.00

None

29.30K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares20.06K

TypeSH

Market value$1.31M

1.08%

Sole

0.00

Shared

0.00

None

20.06K

AMAZON COM INC

SOLE

COM

Shares8.18K

TypeSH

Market value$1.24M

1.03%

Sole

0.00

Shared

0.00

None

8.18K

ISHARES TR

SOLE

CORE INTL AGGR

Shares24.55K

TypeSH

Market value$1.22M

1.01%

Sole

0.00

Shared

0.00

None

24.55K

ISHARES TR

SOLE

IBOXX HI YD ETF

Shares14.69K

TypeSH

Market value$1.14M

0.94%

Sole

0.00

Shared

0.00

None

14.69K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares31.86K

TypeSH

Market value$1.08M

0.90%

Sole

0.00

Shared

0.00

None

31.86K

SPDR SER TR

SOLE

PORTFOLI S&P1500

Shares18.41K

TypeSH

Market value$1.08M

0.89%

Sole

0.00

Shared

0.00

None

18.41K

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares9.52K

TypeSH

Market value$1.03M

0.86%

Sole

0.00

Shared

0.00

None

9.52K

VANGUARD WORLD FDS

SOLE

HEALTH CAR ETF

Shares3.76K

TypeSH

Market value$942.6K

0.78%

Sole

0.00

Shared

0.00

None

3.76K

Issuer	Class	Shares	Type	Value / Portfolio %	None
ISHARES TRSOLE	CORE MSCI EAFE	252.47K	SH	$17.76M 14.74%	252.47K
ISHARES TRSOLE	ISHS 1-5YR INVS	246.74K	SH	$12.65M 10.50%	246.74K
SPDR SER TRSOLE	PORTFOLIO SH TSR	401.06K	SH	$11.65M 9.67%	401.06K
ISHARES TRSOLE	CORE S&P MCP ETF	26.35K	SH	$7.30M 6.06%	26.35K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	34.03K	SH	$7.26M 6.03%	34.03K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	180.50K	SH	$6.39M 5.31%	180.50K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	12.24K	SH	$5.35M 4.44%	12.24K
DIMENSIONAL ETF TRUSTSOLE	US TARGETED VLU	96.65K	SH	$5.06M 4.20%	96.65K
ISHARES TRSOLE	ESG SCRND S&P500	96.69K	SH	$3.52M 2.92%	96.69K
APPLE INCSOLE	COM	18.06K	SH	$3.48M 2.89%	18.06K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	36.88K	SH	$3.00M 2.49%	36.88K
SPDR SER TRSOLE	BLOOMBERG INVT	95.22K	SH	$2.91M 2.42%	95.22K
NUSHARES ETF TRSOLE	NUVEEN ESG INTL	94.80K	SH	$2.79M 2.32%	94.80K
SPDR SER TRSOLE	PORTFOLIO AGRGTE	94.36K	SH	$2.42M 2.01%	94.36K
ISHARES TRSOLE	ESG AWRE 1 5 YR	80.16K	SH	$1.96M 1.63%	80.16K
ISHARES TRSOLE	ESG AWR US AGRGT	33.26K	SH	$1.59M 1.32%	33.26K
SPDR SER TRSOLE	PRTFLO S&P500 VL	29.30K	SH	$1.37M 1.13%	29.30K
SPDR SER TRSOLE	PRTFLO S&P500 GW	20.06K	SH	$1.31M 1.08%	20.06K
AMAZON COM INCSOLE	COM	8.18K	SH	$1.24M 1.03%	8.18K
ISHARES TRSOLE	CORE INTL AGGR	24.55K	SH	$1.22M 1.01%	24.55K
ISHARES TRSOLE	IBOXX HI YD ETF	14.69K	SH	$1.14M 0.94%	14.69K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	31.86K	SH	$1.08M 0.90%	31.86K
SPDR SER TRSOLE	PORTFOLI S&P1500	18.41K	SH	$1.08M 0.89%	18.41K
ISHARES TRSOLE	CORE S&P SCP ETF	9.52K	SH	$1.03M 0.86%	9.52K
VANGUARD WORLD FDSSOLE	HEALTH CAR ETF	3.76K	SH	$942.6K 0.78%	3.76K

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