ERN FINANCIAL, LLC

Filed: 4/21/2025ACC: 0001768302-25-000003

📋 What this filing means

ERN FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 180 equity positions with a total reported market value of $632.91M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

180

Positions

$632.91M

Total AUM (reported)

10.30M

Total Shares

Allocation by class

COM$71.52M11.3%

S&P 500 REVENUE$38.33M6.1%

500 GRTH IDX F$33.90M5.4%

PRTFLO S&P500 GW$32.70M5.2%

PRTFLO S&P500 VL$28.46M4.5%

PORTFOLIO DEVLPD$25.85M4.1%

VAN FTSE DEV MKT$24.38M3.9%

Portfolio Concentration

Top 3$104.93M16.6%

4–10$139.04M22.0%

11–25$153.81M24.3%

Rest$235.12M37.1%

Top 3 weight

16.6%

Top 10 weight

38.5%

Voting Authority Distribution

Total shares with voting rights: 10.30M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

10.30M

% of voting shares100.0%

Investment Discretion (by position count)

Sole180

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings180

Rows:

INVESCO EXCH TRADED FD TR II

SOLE

S&P 500 REVENUE

Shares385.85K

TypeSH

Market value$38.33M

6.06%

Sole

0.00

Shared

0.00

None

385.85K

VANGUARD ADMIRAL FDS INC

SOLE

500 GRTH IDX F

Shares101.34K

TypeSH

Market value$33.90M

5.36%

Sole

0.00

Shared

0.00

None

101.34K

SPDR SER TR

SOLE

PRTFLO S&P500 GW

Shares406.90K

TypeSH

Market value$32.70M

5.17%

Sole

0.00

Shared

0.00

None

406.90K

SPDR SER TR

SOLE

PRTFLO S&P500 VL

Shares557.21K

TypeSH

Market value$28.46M

4.50%

Sole

0.00

Shared

0.00

None

557.21K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares709.84K

TypeSH

Market value$25.85M

4.08%

Sole

0.00

Shared

0.00

None

709.84K

VANGUARD TAX-MANAGED FDS

SOLE

VAN FTSE DEV MKT

Shares479.69K

TypeSH

Market value$24.38M

3.85%

Sole

0.00

Shared

0.00

None

479.69K

SPDR SER TR

SOLE

S&P 400 MDCP VAL

Shares210.16K

TypeSH

Market value$16.19M

2.56%

Sole

0.00

Shared

0.00

None

210.16K

VICTORY PORTFOLIOS II

SOLE

SHORT TRM BD ETF

Shares307.57K

TypeSH

Market value$15.58M

2.46%

Sole

0.00

Shared

0.00

None

307.57K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares363.77K

TypeSH

Market value$14.32M

2.26%

Sole

0.00

Shared

0.00

None

363.77K

INVESCO EXCH TRD SLF IDX FD

SOLE

RUSL 1000 DYNM

Shares267.60K

TypeSH

Market value$14.27M

2.25%

Sole

0.00

Shared

0.00

None

267.60K

FIRST TR EXCH TRADED FD III

SOLE

MANAGD MUN ETF

Shares272.52K

TypeSH

Market value$13.74M

2.17%

Sole

0.00

Shared

0.00

None

272.52K

ISHARES TR

SOLE

CORE MSCI EAFE

Shares166.13K

TypeSH

Market value$12.57M

1.99%

Sole

0.00

Shared

0.00

None

166.13K

JOHN HANCOCK EXCHANGE TRADED

SOLE

MULTIFACTOR MI

Shares218.22K

TypeSH

Market value$12.50M

1.98%

Sole

0.00

Shared

0.00

None

218.22K

PIMCO ETF TR

SOLE

MULTISECTOR BD

Shares423.43K

TypeSH

Market value$11.16M

1.76%

Sole

0.00

Shared

0.00

None

423.43K

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares182.68K

TypeSH

Market value$10.99M

1.74%

Sole

0.00

Shared

0.00

None

182.68K

ISHARES TR

SOLE

GLOBAL REIT ETF

Shares413.02K

TypeSH

Market value$10.02M

1.58%

Sole

0.00

Shared

0.00

None

413.02K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares58.61K

TypeSH

Market value$10.02M

1.58%

Sole

0.00

Shared

0.00

None

58.61K

DIMENSIONAL ETF TRUST

SOLE

CORE FIXED INCOM

Shares235.74K

TypeSH

Market value$9.91M

1.57%

Sole

0.00

Shared

0.00

None

235.74K

J P MORGAN EXCHANGE TRADED F

SOLE

CORE PLUS BD ETF

Shares209.93K

TypeSH

Market value$9.88M

1.56%

Sole

0.00

Shared

0.00

None

209.93K

ISHARES TR

SOLE

CRE U S REIT ETF

Shares170.92K

TypeSH

Market value$9.84M

1.56%

Sole

0.00

Shared

0.00

None

170.92K

APPLE INC

SOLE

COM

Shares42.13K

TypeSH

Market value$9.36M

1.48%

Sole

0.00

Shared

0.00

None

42.13K

DIMENSIONAL ETF TRUST

SOLE

WORLD EX US CORE

Shares346.09K

TypeSH

Market value$9.07M

1.43%

Sole

0.00

Shared

0.00

None

346.09K

SPDR SER TR

SOLE

S&P 400 MDCP GRW

Shares105.89K

TypeSH

Market value$8.41M

1.33%

Sole

0.00

Shared

0.00

None

105.89K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares22.51K

TypeSH

Market value$8.35M

1.32%

Sole

0.00

Shared

0.00

None

22.51K

HARTFORD FDS EXCHANGE TRADED

SOLE

MUN OPORTUNITE

Shares207.74K

TypeSH

Market value$7.99M

1.26%

Sole

0.00

Shared

0.00

None

207.74K

Issuer	Class	Shares	Type	Value / Portfolio %	None
INVESCO EXCH TRADED FD TR IISOLE	S&P 500 REVENUE	385.85K	SH	$38.33M 6.06%	385.85K
VANGUARD ADMIRAL FDS INCSOLE	500 GRTH IDX F	101.34K	SH	$33.90M 5.36%	101.34K
SPDR SER TRSOLE	PRTFLO S&P500 GW	406.90K	SH	$32.70M 5.17%	406.90K
SPDR SER TRSOLE	PRTFLO S&P500 VL	557.21K	SH	$28.46M 4.50%	557.21K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	709.84K	SH	$25.85M 4.08%	709.84K
VANGUARD TAX-MANAGED FDSSOLE	VAN FTSE DEV MKT	479.69K	SH	$24.38M 3.85%	479.69K
SPDR SER TRSOLE	S&P 400 MDCP VAL	210.16K	SH	$16.19M 2.56%	210.16K
VICTORY PORTFOLIOS IISOLE	SHORT TRM BD ETF	307.57K	SH	$15.58M 2.46%	307.57K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	363.77K	SH	$14.32M 2.26%	363.77K
INVESCO EXCH TRD SLF IDX FDSOLE	RUSL 1000 DYNM	267.60K	SH	$14.27M 2.25%	267.60K
FIRST TR EXCH TRADED FD IIISOLE	MANAGD MUN ETF	272.52K	SH	$13.74M 2.17%	272.52K
ISHARES TRSOLE	CORE MSCI EAFE	166.13K	SH	$12.57M 1.99%	166.13K
JOHN HANCOCK EXCHANGE TRADEDSOLE	MULTIFACTOR MI	218.22K	SH	$12.50M 1.98%	218.22K
PIMCO ETF TRSOLE	MULTISECTOR BD	423.43K	SH	$11.16M 1.76%	423.43K
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	182.68K	SH	$10.99M 1.74%	182.68K
ISHARES TRSOLE	GLOBAL REIT ETF	413.02K	SH	$10.02M 1.58%	413.02K
ISHARES TRSOLE	MSCI USA QLT FCT	58.61K	SH	$10.02M 1.58%	58.61K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXED INCOM	235.74K	SH	$9.91M 1.57%	235.74K
J P MORGAN EXCHANGE TRADED FSOLE	CORE PLUS BD ETF	209.93K	SH	$9.88M 1.56%	209.93K
ISHARES TRSOLE	CRE U S REIT ETF	170.92K	SH	$9.84M 1.56%	170.92K
APPLE INCSOLE	COM	42.13K	SH	$9.36M 1.48%	42.13K
DIMENSIONAL ETF TRUSTSOLE	WORLD EX US CORE	346.09K	SH	$9.07M 1.43%	346.09K
SPDR SER TRSOLE	S&P 400 MDCP GRW	105.89K	SH	$8.41M 1.33%	105.89K
VANGUARD INDEX FDSSOLE	GROWTH ETF	22.51K	SH	$8.35M 1.32%	22.51K
HARTFORD FDS EXCHANGE TRADEDSOLE	MUN OPORTUNITE	207.74K	SH	$7.99M 1.26%	207.74K

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