ERN FINANCIAL, LLC

Filed: 1/14/2025ACC: 0001768302-25-000001

📋 What this filing means

ERN FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 190 equity positions with a total reported market value of $666.54M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

190

Positions

$666.54M

Total AUM (reported)

10.36M

Total Shares

Allocation by class

COM$84.48M12.7%

500 GRTH IDX F$43.44M6.5%

S&P 500 REVENUE$39.07M5.9%

PRTFLO S&P500 GW$36.37M5.5%

PRTFLO S&P500 VL$27.70M4.2%

PORTFOLIO DEVLPD$23.25M3.5%

VAN FTSE DEV MKT$21.10M3.2%

Portfolio Concentration

Top 3$118.87M17.8%

4–10$134.68M20.2%

11–25$159.93M24.0%

Rest$253.05M38.0%

Top 3 weight

17.8%

Top 10 weight

38.0%

Voting Authority Distribution

Total shares with voting rights: 10.36M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

10.36M

% of voting shares100.0%

Investment Discretion (by position count)

Sole190

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings190

Rows:

VANGUARD ADMIRAL FDS INC

SOLE

500 GRTH IDX F

Shares118.67K

TypeSH

Market value$43.44M

6.52%

Sole

0.00

Shared

0.00

None

118.67K

INVESCO EXCH TRADED FD TR II

SOLE

S&P 500 REVENUE

Shares398.97K

TypeSH

Market value$39.07M

5.86%

Sole

0.00

Shared

0.00

None

398.97K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares413.74K

TypeSH

Market value$36.37M

5.46%

Sole

0.00

Shared

0.00

None

413.74K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares541.57K

TypeSH

Market value$27.70M

4.16%

Sole

0.00

Shared

0.00

None

541.57K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares681.11K

TypeSH

Market value$23.25M

3.49%

Sole

0.00

Shared

0.00

None

681.11K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares441.22K

TypeSH

Market value$21.10M

3.17%

Sole

0.00

Shared

0.00

None

441.22K

SPDR SER TR

SOLE

S&P 400 MDCP VAL

Shares211.86K

TypeSH

Market value$16.99M

2.55%

Sole

0.00

Shared

0.00

None

211.86K

INVESCO EXCH TRD SLF IDX FD

SOLE

RUSL 1000 DYNM

Shares283.91K

TypeSH

Market value$15.40M

2.31%

Sole

0.00

Shared

0.00

None

283.91K

VICTORY PORTFOLIOS II

SOLE

SHORT TRM BD ETF

Shares301.65K

TypeSH

Market value$15.14M

2.27%

Sole

0.00

Shared

0.00

None

301.65K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares393.73K

TypeSH

Market value$15.11M

2.27%

Sole

0.00

Shared

0.00

None

393.73K

JOHN HANCOCK EXCHANGE TRADED

SOLE

MULTIFACTOR MI

Shares245.51K

TypeSH

Market value$14.66M

2.20%

Sole

0.00

Shared

0.00

None

245.51K

FIRST TR EXCH TRADED FD III

SOLE

MANAGD MUN ETF

Shares278.87K

TypeSH

Market value$14.22M

2.13%

Sole

0.00

Shared

0.00

None

278.87K

APPLE INC

SOLE

COM

Shares50.74K

TypeSH

Market value$12.71M

1.91%

Sole

0.00

Shared

0.00

None

50.74K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares62.79K

TypeSH

Market value$11.18M

1.68%

Sole

0.00

Shared

0.00

None

62.79K

ISHARES TR

SOLE

CORE MSCI EAFE

Shares157.65K

TypeSH

Market value$11.08M

1.66%

Sole

0.00

Shared

0.00

None

157.65K

PIMCO ETF TR

SOLE

MULTISECTOR BD

Shares419.39K

TypeSH

Market value$10.87M

1.63%

Sole

0.00

Shared

0.00

None

419.39K

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares183.99K

TypeSH

Market value$10.82M

1.62%

Sole

0.00

Shared

0.00

None

183.99K

ISHARES TR

SOLE

CRE U S REIT ETF

Shares186.19K

TypeSH

Market value$10.67M

1.60%

Sole

0.00

Shared

0.00

None

186.19K

ISHARES TR

SOLE

GLOBAL REIT ETF

Shares420.13K

TypeSH

Market value$10.07M

1.51%

Sole

0.00

Shared

0.00

None

420.13K

DIMENSIONAL ETF TRUST

SOLE

WORLD EX US CORE

Shares383.74K

TypeSH

Market value$9.54M

1.43%

Sole

0.00

Shared

0.00

None

383.74K

SPDR SER TR

SOLE

S&P 400 MDCP GRW

Shares107.59K

TypeSH

Market value$9.35M

1.40%

Sole

0.00

Shared

0.00

None

107.59K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares22.56K

TypeSH

Market value$9.26M

1.39%

Sole

0.00

Shared

0.00

None

22.56K

DIMENSIONAL ETF TRUST

SOLE

CORE FIXED INCOM

Shares222.70K

TypeSH

Market value$9.19M

1.38%

Sole

0.00

Shared

0.00

None

222.70K

J P MORGAN EXCHANGE TRADED F

SOLE

CORE PLUS BD ETF

Shares180.28K

TypeSH

Market value$8.31M

1.25%

Sole

0.00

Shared

0.00

None

180.28K

HARTFORD FDS EXCHANGE TRADED

SOLE

MUN OPORTUNITE

Shares206.95K

TypeSH

Market value$8.00M

1.20%

Sole

0.00

Shared

0.00

None

206.95K

Issuer	Class	Shares	Type	Value / Portfolio %	None
VANGUARD ADMIRAL FDS INCSOLE	500 GRTH IDX F	118.67K	SH	$43.44M 6.52%	118.67K
INVESCO EXCH TRADED FD TR IISOLE	S&P 500 REVENUE	398.97K	SH	$39.07M 5.86%	398.97K
SPDR SER TRSOLE	PRTFLO S&P500 GW	413.74K	SH	$36.37M 5.46%	413.74K
SPDR SER TRSOLE	PRTFLO S&P500 VL	541.57K	SH	$27.70M 4.16%	541.57K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	681.11K	SH	$23.25M 3.49%	681.11K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	441.22K	SH	$21.10M 3.17%	441.22K
SPDR SER TRSOLE	S&P 400 MDCP VAL	211.86K	SH	$16.99M 2.55%	211.86K
INVESCO EXCH TRD SLF IDX FDSOLE	RUSL 1000 DYNM	283.91K	SH	$15.40M 2.31%	283.91K
VICTORY PORTFOLIOS IISOLE	SHORT TRM BD ETF	301.65K	SH	$15.14M 2.27%	301.65K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	393.73K	SH	$15.11M 2.27%	393.73K
JOHN HANCOCK EXCHANGE TRADEDSOLE	MULTIFACTOR MI	245.51K	SH	$14.66M 2.20%	245.51K
FIRST TR EXCH TRADED FD IIISOLE	MANAGD MUN ETF	278.87K	SH	$14.22M 2.13%	278.87K
APPLE INCSOLE	COM	50.74K	SH	$12.71M 1.91%	50.74K
ISHARES TRSOLE	MSCI USA QLT FCT	62.79K	SH	$11.18M 1.68%	62.79K
ISHARES TRSOLE	CORE MSCI EAFE	157.65K	SH	$11.08M 1.66%	157.65K
PIMCO ETF TRSOLE	MULTISECTOR BD	419.39K	SH	$10.87M 1.63%	419.39K
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	183.99K	SH	$10.82M 1.62%	183.99K
ISHARES TRSOLE	CRE U S REIT ETF	186.19K	SH	$10.67M 1.60%	186.19K
ISHARES TRSOLE	GLOBAL REIT ETF	420.13K	SH	$10.07M 1.51%	420.13K
DIMENSIONAL ETF TRUSTSOLE	WORLD EX US CORE	383.74K	SH	$9.54M 1.43%	383.74K
SPDR SER TRSOLE	S&P 400 MDCP GRW	107.59K	SH	$9.35M 1.40%	107.59K
VANGUARD INDEX FDSSOLE	GROWTH ETF	22.56K	SH	$9.26M 1.39%	22.56K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXED INCOM	222.70K	SH	$9.19M 1.38%	222.70K
J P MORGAN EXCHANGE TRADED FSOLE	CORE PLUS BD ETF	180.28K	SH	$8.31M 1.25%	180.28K
HARTFORD FDS EXCHANGE TRADEDSOLE	MUN OPORTUNITE	206.95K	SH	$8.00M 1.20%	206.95K

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