ERN FINANCIAL, LLC

Filed: 7/17/2025ACC: 0001768302-25-000004

📋 What this filing means

ERN FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 145 equity positions with a total reported market value of $474.00M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

145

Positions

$474.00M

Total AUM (reported)

8.14M

Total Shares

Allocation by class

PRTFLO S&P500 GW$37.67M7.9%

PRTFLO S&P500 VL$30.34M6.4%

COM$29.30M6.2%

PORTFOLIO DEVLPD$27.04M5.7%

S&P 400 MDCP VAL$15.64M3.3%

RUSL 1000 DYNM$15.26M3.2%

SHORT TRM BD ETF$14.31M3.0%

Portfolio Concentration

Top 3$95.05M20.1%

4–10$94.96M20.0%

11–25$119.15M25.1%

Rest$164.84M34.8%

Top 3 weight

20.1%

Top 10 weight

40.1%

Voting Authority Distribution

Total shares with voting rights: 8.14M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

8.14M

% of voting shares100.0%

Investment Discretion (by position count)

Sole145

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings145

Rows:

SPDR SERIES TRUST

SOLE

PRTFLO S&P500 GW

Shares395.17K

TypeSH

Market value$37.67M

7.95%

Sole

0.00

Shared

0.00

None

395.17K

SPDR SERIES TRUST

SOLE

PRTFLO S&P500 VL

Shares579.70K

TypeSH

Market value$30.34M

6.40%

Sole

0.00

Shared

0.00

None

579.70K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares667.88K

TypeSH

Market value$27.04M

5.71%

Sole

0.00

Shared

0.00

None

667.88K

SPDR SERIES TRUST

SOLE

S&P 400 MDCP VAL

Shares196.84K

TypeSH

Market value$15.64M

3.30%

Sole

0.00

Shared

0.00

None

196.84K

INVESCO EXCH TRD SLF IDX FD

SOLE

RUSL 1000 DYNM

Shares264.06K

TypeSH

Market value$15.26M

3.22%

Sole

0.00

Shared

0.00

None

264.06K

VICTORY PORTFOLIOS II

SOLE

SHORT TRM BD ETF

Shares281.57K

TypeSH

Market value$14.31M

3.02%

Sole

0.00

Shared

0.00

None

281.57K

ISHARES TR

SOLE

CORE MSCI EAFE

Shares167.05K

TypeSH

Market value$13.95M

2.94%

Sole

0.00

Shared

0.00

None

167.05K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares315.24K

TypeSH

Market value$13.47M

2.84%

Sole

0.00

Shared

0.00

None

315.24K

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares172.90K

TypeSH

Market value$11.85M

2.50%

Sole

0.00

Shared

0.00

None

172.90K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares57.35K

TypeSH

Market value$10.48M

2.21%

Sole

0.00

Shared

0.00

None

57.35K

ISHARES TR

SOLE

GLOBAL REIT ETF

Shares412.36K

TypeSH

Market value$10.19M

2.15%

Sole

0.00

Shared

0.00

None

412.36K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares22.44K

TypeSH

Market value$9.84M

2.08%

Sole

0.00

Shared

0.00

None

22.44K

DIMENSIONAL ETF TRUST

SOLE

WORLD EX US CORE

Shares330.74K

TypeSH

Market value$9.71M

2.05%

Sole

0.00

Shared

0.00

None

330.74K

PIMCO ETF TR

SOLE

MULTISECTOR BD

Shares348.58K

TypeSH

Market value$9.25M

1.95%

Sole

0.00

Shared

0.00

None

348.58K

ISHARES TR

SOLE

CRE U S REIT ETF

Shares158.52K

TypeSH

Market value$8.97M

1.89%

Sole

0.00

Shared

0.00

None

158.52K

DIMENSIONAL ETF TRUST

SOLE

CORE FIXED INCOM

Shares199.29K

TypeSH

Market value$8.42M

1.78%

Sole

0.00

Shared

0.00

None

199.29K

SPDR SERIES TRUST

SOLE

S&P 400 MDCP GRW

Shares96.78K

TypeSH

Market value$8.41M

1.77%

Sole

0.00

Shared

0.00

None

96.78K

HARTFORD FDS EXCHANGE TRADED

SOLE

MUN OPORTUNITE

Shares205.12K

TypeSH

Market value$7.85M

1.66%

Sole

0.00

Shared

0.00

None

205.12K

FIRST TR EXCH TRADED FD III

SOLE

MANAGD MUN ETF

Shares148.83K

TypeSH

Market value$7.41M

1.56%

Sole

0.00

Shared

0.00

None

148.83K

VANGUARD SCOTTSDALE FDS

SOLE

VNG RUS1000GRW

Shares62.80K

TypeSH

Market value$6.86M

1.45%

Sole

0.00

Shared

0.00

None

62.80K

SPDR SERIES TRUST

SOLE

PORTFLI TIPS ETF

Shares261.19K

TypeSH

Market value$6.81M

1.44%

Sole

0.00

Shared

0.00

None

261.19K

ISHARES TR

SOLE

MSCI EAFE ETF

Shares73.55K

TypeSH

Market value$6.57M

1.39%

Sole

0.00

Shared

0.00

None

73.55K

JOHN HANCOCK EXCHANGE TRADED

SOLE

MLTFCTR LRG CAP

Shares89.27K

TypeSH

Market value$6.55M

1.38%

Sole

0.00

Shared

0.00

None

89.27K

SPDR SERIES TRUST

SOLE

PORTFOLIO AGRGTE

Shares244.10K

TypeSH

Market value$6.25M

1.32%

Sole

0.00

Shared

0.00

None

244.10K

AMERICAN CENTY ETF TR

SOLE

FOCUSED DYNAMIC

Shares55.53K

TypeSH

Market value$6.07M

1.28%

Sole

0.00

Shared

0.00

None

55.53K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SERIES TRUSTSOLE	PRTFLO S&P500 GW	395.17K	SH	$37.67M 7.95%	395.17K
SPDR SERIES TRUSTSOLE	PRTFLO S&P500 VL	579.70K	SH	$30.34M 6.40%	579.70K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	667.88K	SH	$27.04M 5.71%	667.88K
SPDR SERIES TRUSTSOLE	S&P 400 MDCP VAL	196.84K	SH	$15.64M 3.30%	196.84K
INVESCO EXCH TRD SLF IDX FDSOLE	RUSL 1000 DYNM	264.06K	SH	$15.26M 3.22%	264.06K
VICTORY PORTFOLIOS IISOLE	SHORT TRM BD ETF	281.57K	SH	$14.31M 3.02%	281.57K
ISHARES TRSOLE	CORE MSCI EAFE	167.05K	SH	$13.95M 2.94%	167.05K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	315.24K	SH	$13.47M 2.84%	315.24K
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	172.90K	SH	$11.85M 2.50%	172.90K
ISHARES TRSOLE	MSCI USA QLT FCT	57.35K	SH	$10.48M 2.21%	57.35K
ISHARES TRSOLE	GLOBAL REIT ETF	412.36K	SH	$10.19M 2.15%	412.36K
VANGUARD INDEX FDSSOLE	GROWTH ETF	22.44K	SH	$9.84M 2.08%	22.44K
DIMENSIONAL ETF TRUSTSOLE	WORLD EX US CORE	330.74K	SH	$9.71M 2.05%	330.74K
PIMCO ETF TRSOLE	MULTISECTOR BD	348.58K	SH	$9.25M 1.95%	348.58K
ISHARES TRSOLE	CRE U S REIT ETF	158.52K	SH	$8.97M 1.89%	158.52K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXED INCOM	199.29K	SH	$8.42M 1.78%	199.29K
SPDR SERIES TRUSTSOLE	S&P 400 MDCP GRW	96.78K	SH	$8.41M 1.77%	96.78K
HARTFORD FDS EXCHANGE TRADEDSOLE	MUN OPORTUNITE	205.12K	SH	$7.85M 1.66%	205.12K
FIRST TR EXCH TRADED FD IIISOLE	MANAGD MUN ETF	148.83K	SH	$7.41M 1.56%	148.83K
VANGUARD SCOTTSDALE FDSSOLE	VNG RUS1000GRW	62.80K	SH	$6.86M 1.45%	62.80K
SPDR SERIES TRUSTSOLE	PORTFLI TIPS ETF	261.19K	SH	$6.81M 1.44%	261.19K
ISHARES TRSOLE	MSCI EAFE ETF	73.55K	SH	$6.57M 1.39%	73.55K
JOHN HANCOCK EXCHANGE TRADEDSOLE	MLTFCTR LRG CAP	89.27K	SH	$6.55M 1.38%	89.27K
SPDR SERIES TRUSTSOLE	PORTFOLIO AGRGTE	244.10K	SH	$6.25M 1.32%	244.10K
AMERICAN CENTY ETF TRSOLE	FOCUSED DYNAMIC	55.53K	SH	$6.07M 1.28%	55.53K

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