ERN FINANCIAL, LLC

Filed: 10/30/2025ACC: 0001768302-25-000007

📋 What this filing means

ERN FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 140 equity positions with a total reported market value of $506.45M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

140

Positions

$506.45M

Total AUM (reported)

8.33M

Total Shares

Allocation by class

PRTFLO S&P500 GW$41.93M8.3%

PRTFLO S&P500 VL$35.66M7.0%

PORTFOLIO DEVLPD$29.01M5.7%

COM$27.58M5.4%

S&P 400 MDCP VAL$15.65M3.1%

RUSL 1000 DYNM$15.59M3.1%

SHORT TRM BD ETF$15.35M3.0%

Portfolio Concentration

Top 3$106.60M21.0%

4–10$97.95M19.3%

11–25$130.93M25.9%

Rest$170.97M33.8%

Top 3 weight

21.0%

Top 10 weight

40.4%

Voting Authority Distribution

Total shares with voting rights: 8.33M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

8.33M

% of voting shares100.0%

Investment Discretion (by position count)

Sole140

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings140

Rows:

SPDR SERIES TRUST

SOLE

PRTFLO S&P500 GW

Shares401.20K

TypeSH

Market value$41.93M

8.28%

Sole

0.00

Shared

0.00

None

401.20K

SPDR SERIES TRUST

SOLE

PRTFLO S&P500 VL

Shares644.53K

TypeSH

Market value$35.66M

7.04%

Sole

0.00

Shared

0.00

None

644.53K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO DEVLPD

Shares678.05K

TypeSH

Market value$29.01M

5.73%

Sole

0.00

Shared

0.00

None

678.05K

SPDR SERIES TRUST

SOLE

S&P 400 MDCP VAL

Shares187.63K

TypeSH

Market value$15.65M

3.09%

Sole

0.00

Shared

0.00

None

187.63K

INVESCO EXCH TRD SLF IDX FD

SOLE

RUSL 1000 DYNM

Shares258.75K

TypeSH

Market value$15.59M

3.08%

Sole

0.00

Shared

0.00

None

258.75K

VICTORY PORTFOLIOS II

SOLE

SHORT TRM BD ETF

Shares301.01K

TypeSH

Market value$15.35M

3.03%

Sole

0.00

Shared

0.00

None

301.01K

ISHARES TR

SOLE

CORE MSCI EAFE

Shares175.09K

TypeSH

Market value$15.29M

3.02%

Sole

0.00

Shared

0.00

None

175.09K

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares273.31K

TypeSH

Market value$12.79M

2.53%

Sole

0.00

Shared

0.00

None

273.31K

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares163.47K

TypeSH

Market value$12.28M

2.42%

Sole

0.00

Shared

0.00

None

163.47K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares56.55K

TypeSH

Market value$11.00M

2.17%

Sole

0.00

Shared

0.00

None

56.55K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares22.49K

TypeSH

Market value$10.79M

2.13%

Sole

0.00

Shared

0.00

None

22.49K

PIMCO ETF TR

SOLE

MULTISECTOR BD

Shares398.19K

TypeSH

Market value$10.69M

2.11%

Sole

0.00

Shared

0.00

None

398.19K

ISHARES TR

SOLE

GLOBAL REIT ETF

Shares409.15K

TypeSH

Market value$10.46M

2.06%

Sole

0.00

Shared

0.00

None

409.15K

DIMENSIONAL ETF TRUST

SOLE

WORLD EX US CORE

Shares322.20K

TypeSH

Market value$10.11M

2.00%

Sole

0.00

Shared

0.00

None

322.20K

DIMENSIONAL ETF TRUST

SOLE

CORE FIXED INCOM

Shares234.26K

TypeSH

Market value$10.02M

1.98%

Sole

0.00

Shared

0.00

None

234.26K

JOHN HANCOCK EXCHANGE TRADED

SOLE

MLTFCTR LRG CAP

Shares117.49K

TypeSH

Market value$9.21M

1.82%

Sole

0.00

Shared

0.00

None

117.49K

SPDR SERIES TRUST

SOLE

S&P 400 MDCP GRW

Shares91.69K

TypeSH

Market value$8.40M

1.66%

Sole

0.00

Shared

0.00

None

91.69K

SPDR SERIES TRUST

SOLE

PORTFOLIO AGRGTE

Shares318.92K

TypeSH

Market value$8.24M

1.63%

Sole

0.00

Shared

0.00

None

318.92K

SPDR SERIES TRUST

SOLE

PORTFLI TIPS ETF

Shares310.40K

TypeSH

Market value$8.17M

1.61%

Sole

0.00

Shared

0.00

None

310.40K

HARTFORD FDS EXCHANGE TRADED

SOLE

MUN OPORTUNITE

Shares208.83K

TypeSH

Market value$8.14M

1.61%

Sole

0.00

Shared

0.00

None

208.83K

FIRST TR EXCH TRADED FD III

SOLE

MANAGD MUN ETF

Shares149.56K

TypeSH

Market value$7.58M

1.50%

Sole

0.00

Shared

0.00

None

149.56K

SPDR SERIES TRUST

SOLE

PORTFOLIO S&P500

Shares95.78K

TypeSH

Market value$7.50M

1.48%

Sole

0.00

Shared

0.00

None

95.78K

ISHARES TR

SOLE

CRE U S REIT ETF

Shares126.52K

TypeSH

Market value$7.43M

1.47%

Sole

0.00

Shared

0.00

None

126.52K

VANGUARD SCOTTSDALE FDS

SOLE

VNG RUS1000GRW

Shares59.59K

TypeSH

Market value$7.18M

1.42%

Sole

0.00

Shared

0.00

None

59.59K

AMERICAN CENTY ETF TR

SOLE

FOCUSED DYNAMIC

Shares58.31K

TypeSH

Market value$7.02M

1.39%

Sole

0.00

Shared

0.00

None

58.31K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SERIES TRUSTSOLE	PRTFLO S&P500 GW	401.20K	SH	$41.93M 8.28%	401.20K
SPDR SERIES TRUSTSOLE	PRTFLO S&P500 VL	644.53K	SH	$35.66M 7.04%	644.53K
SPDR INDEX SHS FDSSOLE	PORTFOLIO DEVLPD	678.05K	SH	$29.01M 5.73%	678.05K
SPDR SERIES TRUSTSOLE	S&P 400 MDCP VAL	187.63K	SH	$15.65M 3.09%	187.63K
INVESCO EXCH TRD SLF IDX FDSOLE	RUSL 1000 DYNM	258.75K	SH	$15.59M 3.08%	258.75K
VICTORY PORTFOLIOS IISOLE	SHORT TRM BD ETF	301.01K	SH	$15.35M 3.03%	301.01K
ISHARES TRSOLE	CORE MSCI EAFE	175.09K	SH	$15.29M 3.02%	175.09K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	273.31K	SH	$12.79M 2.53%	273.31K
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	163.47K	SH	$12.28M 2.42%	163.47K
ISHARES TRSOLE	MSCI USA QLT FCT	56.55K	SH	$11.00M 2.17%	56.55K
VANGUARD INDEX FDSSOLE	GROWTH ETF	22.49K	SH	$10.79M 2.13%	22.49K
PIMCO ETF TRSOLE	MULTISECTOR BD	398.19K	SH	$10.69M 2.11%	398.19K
ISHARES TRSOLE	GLOBAL REIT ETF	409.15K	SH	$10.46M 2.06%	409.15K
DIMENSIONAL ETF TRUSTSOLE	WORLD EX US CORE	322.20K	SH	$10.11M 2.00%	322.20K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXED INCOM	234.26K	SH	$10.02M 1.98%	234.26K
JOHN HANCOCK EXCHANGE TRADEDSOLE	MLTFCTR LRG CAP	117.49K	SH	$9.21M 1.82%	117.49K
SPDR SERIES TRUSTSOLE	S&P 400 MDCP GRW	91.69K	SH	$8.40M 1.66%	91.69K
SPDR SERIES TRUSTSOLE	PORTFOLIO AGRGTE	318.92K	SH	$8.24M 1.63%	318.92K
SPDR SERIES TRUSTSOLE	PORTFLI TIPS ETF	310.40K	SH	$8.17M 1.61%	310.40K
HARTFORD FDS EXCHANGE TRADEDSOLE	MUN OPORTUNITE	208.83K	SH	$8.14M 1.61%	208.83K
FIRST TR EXCH TRADED FD IIISOLE	MANAGD MUN ETF	149.56K	SH	$7.58M 1.50%	149.56K
SPDR SERIES TRUSTSOLE	PORTFOLIO S&P500	95.78K	SH	$7.50M 1.48%	95.78K
ISHARES TRSOLE	CRE U S REIT ETF	126.52K	SH	$7.43M 1.47%	126.52K
VANGUARD SCOTTSDALE FDSSOLE	VNG RUS1000GRW	59.59K	SH	$7.18M 1.42%	59.59K
AMERICAN CENTY ETF TRSOLE	FOCUSED DYNAMIC	58.31K	SH	$7.02M 1.39%	58.31K

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