ERN FINANCIAL, LLC

Filed: 4/24/2026ACC: 0001768302-26-000003

📋 What this filing means

ERN FINANCIAL, LLC filed this quarterly 13F‑HR report disclosing 150 equity positions with a total reported market value of $531.78M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

150

Positions

$531.78M

Total AUM (reported)

8.88M

Total Shares

Allocation by class

STATE STREET SPD$175.79M33.1%

COM$26.23M4.9%

CORE MSCI EAFE$18.96M3.6%

SHORT TRM BD ETF$16.90M3.2%

AVANTIS EMGMKT$13.92M2.6%

MULTISECTOR BD$12.20M2.3%

CORE FIXED INCOM$11.12M2.1%

Portfolio Concentration

Top 3$106.00M19.9%

4–10$100.01M18.8%

11–25$137.54M25.9%

Rest$188.23M35.4%

Top 3 weight

19.9%

Top 10 weight

38.7%

Voting Authority Distribution

Total shares with voting rights: 8.88M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

8.88M

% of voting shares100.0%

Investment Discretion (by position count)

Sole150

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings150

Rows:

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares698.50K

TypeSH

Market value$39.52M

7.43%

Sole

0.00

Shared

0.00

None

698.50K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares373.17K

TypeSH

Market value$36.54M

6.87%

Sole

0.00

Shared

0.00

None

373.17K

SPDR INDEX SHS FDS

SOLE

STATE STREET SPD

Shares655.79K

TypeSH

Market value$29.94M

5.63%

Sole

0.00

Shared

0.00

None

655.79K

ISHARES TR

SOLE

CORE MSCI EAFE

Shares209.45K

TypeSH

Market value$18.96M

3.57%

Sole

0.00

Shared

0.00

None

209.45K

VICTORY PORTFOLIOS II

SOLE

SHORT TRM BD ETF

Shares334.13K

TypeSH

Market value$16.90M

3.18%

Sole

0.00

Shared

0.00

None

334.13K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares169.43K

TypeSH

Market value$14.43M

2.71%

Sole

0.00

Shared

0.00

None

169.43K

AMERICAN CENTY ETF TR

SOLE

AVANTIS EMGMKT

Shares172.72K

TypeSH

Market value$13.92M

2.62%

Sole

0.00

Shared

0.00

None

172.72K

SPDR INDEX SHS FDS

SOLE

STATE STREET SPD

Shares266.08K

TypeSH

Market value$12.48M

2.35%

Sole

0.00

Shared

0.00

None

266.08K

PIMCO ETF TR

SOLE

MULTISECTOR BD

Shares465.81K

TypeSH

Market value$12.20M

2.29%

Sole

0.00

Shared

0.00

None

465.81K

DIMENSIONAL ETF TRUST

SOLE

CORE FIXED INCOM

Shares263.33K

TypeSH

Market value$11.12M

2.09%

Sole

0.00

Shared

0.00

None

263.33K

ISHARES TR

SOLE

MSCI USA QLT FCT

Shares56.98K

TypeSH

Market value$10.93M

2.06%

Sole

0.00

Shared

0.00

None

56.98K

ISHARES TR

SOLE

GLOBAL REIT ETF

Shares433.24K

TypeSH

Market value$10.90M

2.05%

Sole

0.00

Shared

0.00

None

433.24K

DIMENSIONAL ETF TRUST

SOLE

WORLD EX US CORE

Shares317.05K

TypeSH

Market value$10.77M

2.03%

Sole

0.00

Shared

0.00

None

317.05K

JOHN HANCOCK EXCHANGE TRADED

SOLE

MLTFCTR LRG CAP

Shares132.92K

TypeSH

Market value$10.40M

1.96%

Sole

0.00

Shared

0.00

None

132.92K

VANGUARD INDEX FDS

SOLE

GROWTH ETF

Shares22.17K

TypeSH

Market value$9.68M

1.82%

Sole

0.00

Shared

0.00

None

22.17K

J P MORGAN EXCHANGE TRADED F

SOLE

U S TECH LEADERS

Shares118.99K

TypeSH

Market value$9.46M

1.78%

Sole

0.00

Shared

0.00

None

118.99K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares358.39K

TypeSH

Market value$9.18M

1.73%

Sole

0.00

Shared

0.00

None

358.39K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares346.67K

TypeSH

Market value$9.02M

1.70%

Sole

0.00

Shared

0.00

None

346.67K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares91.06K

TypeSH

Market value$8.74M

1.64%

Sole

0.00

Shared

0.00

None

91.06K

INVESCO EXCH TRD SLF IDX FD

SOLE

RUSL 1000 DYNM

Shares142.43K

TypeSH

Market value$8.56M

1.61%

Sole

0.00

Shared

0.00

None

142.43K

VANECK ETF TRUST

SOLE

REAL ASSETS ETF

Shares209.95K

TypeSH

Market value$8.55M

1.61%

Sole

0.00

Shared

0.00

None

209.95K

HARTFORD FDS EXCHANGE TRADED

SOLE

MUN OPORTUNITE

Shares208.73K

TypeSH

Market value$8.09M

1.52%

Sole

0.00

Shared

0.00

None

208.73K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares102.29K

TypeSH

Market value$7.83M

1.47%

Sole

0.00

Shared

0.00

None

102.29K

ISHARES TR

SOLE

CRE U S REIT ETF

Shares130.44K

TypeSH

Market value$7.72M

1.45%

Sole

0.00

Shared

0.00

None

130.44K

FIRST TR EXCH TRADED FD III

SOLE

MANAGD MUN ETF

Shares152.27K

TypeSH

Market value$7.71M

1.45%

Sole

0.00

Shared

0.00

None

152.27K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SERIES TRUSTSOLE	STATE STREET SPD	698.50K	SH	$39.52M 7.43%	698.50K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	373.17K	SH	$36.54M 6.87%	373.17K
SPDR INDEX SHS FDSSOLE	STATE STREET SPD	655.79K	SH	$29.94M 5.63%	655.79K
ISHARES TRSOLE	CORE MSCI EAFE	209.45K	SH	$18.96M 3.57%	209.45K
VICTORY PORTFOLIOS IISOLE	SHORT TRM BD ETF	334.13K	SH	$16.90M 3.18%	334.13K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	169.43K	SH	$14.43M 2.71%	169.43K
AMERICAN CENTY ETF TRSOLE	AVANTIS EMGMKT	172.72K	SH	$13.92M 2.62%	172.72K
SPDR INDEX SHS FDSSOLE	STATE STREET SPD	266.08K	SH	$12.48M 2.35%	266.08K
PIMCO ETF TRSOLE	MULTISECTOR BD	465.81K	SH	$12.20M 2.29%	465.81K
DIMENSIONAL ETF TRUSTSOLE	CORE FIXED INCOM	263.33K	SH	$11.12M 2.09%	263.33K
ISHARES TRSOLE	MSCI USA QLT FCT	56.98K	SH	$10.93M 2.06%	56.98K
ISHARES TRSOLE	GLOBAL REIT ETF	433.24K	SH	$10.90M 2.05%	433.24K
DIMENSIONAL ETF TRUSTSOLE	WORLD EX US CORE	317.05K	SH	$10.77M 2.03%	317.05K
JOHN HANCOCK EXCHANGE TRADEDSOLE	MLTFCTR LRG CAP	132.92K	SH	$10.40M 1.96%	132.92K
VANGUARD INDEX FDSSOLE	GROWTH ETF	22.17K	SH	$9.68M 1.82%	22.17K
J P MORGAN EXCHANGE TRADED FSOLE	U S TECH LEADERS	118.99K	SH	$9.46M 1.78%	118.99K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	358.39K	SH	$9.18M 1.73%	358.39K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	346.67K	SH	$9.02M 1.70%	346.67K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	91.06K	SH	$8.74M 1.64%	91.06K
INVESCO EXCH TRD SLF IDX FDSOLE	RUSL 1000 DYNM	142.43K	SH	$8.56M 1.61%	142.43K
VANECK ETF TRUSTSOLE	REAL ASSETS ETF	209.95K	SH	$8.55M 1.61%	209.95K
HARTFORD FDS EXCHANGE TRADEDSOLE	MUN OPORTUNITE	208.73K	SH	$8.09M 1.52%	208.73K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	102.29K	SH	$7.83M 1.47%	102.29K
ISHARES TRSOLE	CRE U S REIT ETF	130.44K	SH	$7.72M 1.45%	130.44K
FIRST TR EXCH TRADED FD IIISOLE	MANAGD MUN ETF	152.27K	SH	$7.71M 1.45%	152.27K

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