Better Money Decisions, LLC

CIK

1858428

Location

SANTA FE, NM

Portfolio Value

Micro $16,092,651

Diversification

Diversified

Filing Date

Global Rank

#7,360 / 7,991 ▲ 47

Top Industry

Consumer Electronics 26.8%

3Y Alpha vs SPY

-1.5%

Period ended 12 months ago

Filed Aug 8, 2025 · 10mo

18 quarters · since Mar 2021

Clone Performance

Jun 2023–Jun 2026 · vs SPY

Hypothetical growth of cloning every reported 13F position and rebalancing on each filing, indexed to the same start.

Cloned portfolio

+69.7%

SPY

+76.3%

Annualised alpha

-1.5%

Max drawdown

−23.4%

Estimate. 13F holdings are quarter-lagged and long-only, so the clone rebalances about 45 days after each period end — when the filing becomes public — and excludes options and short positions. Past performance does not predict future results.

Portfolio Concentration

21 positions · as of Jun 30, 2025 · Δ vs Mar 31, 2025

Top Position

25.5%

−7.6 pts

Top 5

60.7%

−5.4 pts

Top 10

80.4%

−5.1 pts

HHI

1,098

Diversified−396

Portfolio Trend

18 quarters · across all stocks

Sector Breakdown

As of Jun 30, 2025

Sector	% Portfolio	Value	Positions
Technology	51.7%	$8,317,753	5
Consumer Cyclical	16.0%	$2,579,363	3
Financial Services	11.0%	$1,773,379	4
Communication Services	8.3%	$1,342,484	3
Unclassified	4.6%	$746,885	2
Consumer Defensive	4.3%	$696,245	2
Energy	2.7%	$431,145	1
Industrials	1.3%	$205,397	1

Last Quarter's Activity

Export CSV

Jun 30, 2025 vs Mar 31, 2025

Added To

Positions the filer increased

9 positions

Ticker	Company	Δ Shares	Shares	Value
NVDA	Nvidia Corp	+70	10,032	$1,584,955
AAPL	Apple Inc.	+35	20,034	$4,110,375
MSFT	Microsoft Corp	+21	3,498	$1,739,940
GOOGL	Alphabet Inc.	+20	4,140	$729,592
JPM	Jpmorgan Chase & Co	+14	2,967	$860,162
META	Meta Platforms, Inc.	+5	709	$523,305
COST	Costco Wholesale Corp /New	+4	387	$383,106
BRK-B	Berkshire Hathaway Inc	+3	949	$460,995
SPY	Spdr S&P 500 ETF Trust	+2	741	$457,826
No positions match the current search.

Trimmed

Positions the filer reduced

2 positions

Ticker	Company	Δ Shares	Shares	Value
TOST	Toast, Inc.	−1,382	15,021	$665,280
AMZN	Amazon Com Inc	−111	6,686	$1,466,841
No positions match the current search.

New Positions

Positions the filer opened this quarter

4 positions

Ticker	Company	Shares	Value
TSLA	Tesla, Inc.	2,486	$789,702
TSM	Taiwan Semiconductor Manufacturing Co Ltd	959	$217,203
GE	General Electric Co	798	$205,397
AXP	American Express Co	637	$203,190
No positions match the current search.

Sold Out

Positions the filer fully exited

No qualifying positions this quarter.

Portfolio Positions

Compact Export CSV View 13F filing

21 positions · $16,092,651 total · as of Jun 30, 2025

All sectors Communication Services Consumer Cyclical Consumer Defensive Energy Financial Services Industrials Technology

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
AAPL	Apple Inc. Technology	Added	20,034	+35	$4,110,375	−7.5%	25.54%
MSFT	Microsoft Corp Technology	Added	3,498	+21	$1,739,940	+33.3%	10.81%
NVDA	Nvidia Corp Technology	Added	10,032	+70	$1,584,955	+46.8%	9.85%
AMZN	Amazon Com Inc Consumer Cyclical	Reduced	6,686	-111	$1,466,841	+13.4%	9.11%
JPM	Jpmorgan Chase & Co Financial Services	Added	2,967	+14	$860,162	+18.7%	5.35%
TSLA	Tesla, Inc. Consumer Cyclical	NEW	2,486	NEW	$789,702	NEW	4.91%
GOOGL	Alphabet Inc. Communication Services	Added	4,140	+20	$729,592	+14.5%	4.53%
TOST	Toast, Inc. Technology	Reduced	15,021	-1,382	$665,280	+22.3%	4.13%
META	Meta Platforms, Inc. Communication Services	Added	709	+5	$523,305	+29.0%	3.25%
BRK-B	Berkshire Hathaway Inc Financial Services	Added	949	+3	$460,995	−8.5%	2.86%
SPY	Spdr S&P 500 ETF Trust	Added	741	+2	$457,826	+10.7%	2.84%
CVX	Chevron Corp Energy	Held	3,011	0	$431,145	−14.4%	2.68%
COST	Costco Wholesale Corp /New Consumer Defensive	Added	387	+4	$383,106	+5.8%	2.38%
LOW	Lowes Companies Inc Consumer Cyclical	Held	1,455	0	$322,820	−4.9%	2.01%
KO	Coca Cola Co Consumer Defensive	Held	4,426	0	$313,139	−1.2%	1.95%
QQQ	Invesco Qqq Trust, Series 1	Held	524	0	$289,059	+17.6%	1.80%
KKR	KKR & Co. Inc. Financial Services	Held	1,872	0	$249,032	+15.1%	1.55%
TSM	Taiwan Semiconductor Manufacturing Co Ltd Technology	NEW	959	NEW	$217,203	NEW	1.35%
GE	General Electric Co Industrials	NEW	798	NEW	$205,397	NEW	1.28%
AXP	American Express Co Financial Services	NEW	637	NEW	$203,190	NEW	1.26%
NFLX	Netflix Inc Communication Services	Held	669	0	$89,587	+43.6%	0.56%