Better Money Decisions, LLC

CIK

1858428

Location

SANTA FE, NM

Portfolio Value

Small $164,591,982

Diversification

Moderately concentrated

Filing Date

Global Rank

#6,297 / 8,137 ▲ 16 · as of Jun 2025

Top Industry

Consumer Electronics 25.4%

Period ended 1 year ago

Filed Aug 8, 2025 · 1y

18 quarters · since Mar 2021

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Unknown

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2025, never from the firm's own description.

Style

Concentrated

The top 10 positions are 89.6% of the book (60%+)

Turnover

Low turnover

9.4% over the last four quarters (under 30%)

Horizon

Long horizon

Value-weighted holding period 15.6 quarters (12+)

Closest benchmark: every 13F filer's combined book, active share 82.8%; sector active share 78.0% against the combined 13F book's sector weights.

Over time 18 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

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Portfolio Concentration

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

Top Position

37.9%

−0.3 pts

Top 5

72.6%

−0.8 pts

Top 10

89.6%

−1.4 pts

HHI

1,821

Moderately concentrated−33

Portfolio Trend

18 quarters · across all stocks

Sector Breakdown

As of Jun 30, 2025

Sector	% Portfolio	Value	Positions
Unclassified	90.2%	$148,439,926	55
Technology	5.1%	$8,317,753	5
Consumer Cyclical	1.6%	$2,579,363	3
Communication Services	1.3%	$2,148,774	3
Financial Services	1.1%	$1,773,379	4
Consumer Defensive	0.4%	$696,245	2
Energy	0.3%	$431,145	1
Industrials	0.1%	$205,397	1

Last Quarter's Activity

Export CSV

Jun 30, 2025 vs Mar 31, 2025

Added To

Positions the filer increased

25 positions

Ticker	Company	Δ Shares	Shares	Value
—		+24,181	504,368	$14,772,938
SPAB	State Street(R) SPDR(R) Portfolio Aggregate Bond ETF	+17,490	189,378	$4,848,076
FLRN	State Street(R) SPDR(R) Bloomberg Investment Grade Floating Rate ETF	+16,185	207,496	$6,397,101
IGSB	iShares 1-5 Year Investment Grade Corporate Bond ETF	+15,115	301,082	$15,885,086
SPEM	State Street(R) SPDR(R) Portfolio Emerging Markets ETF	+10,852	263,223	$11,250,151
DFAT	Dimensional U.S. Targeted Value ETF	+9,430	187,289	$10,106,114
IJH	iShares Core S&P Mid-Cap ETF	+5,295	140,957	$8,742,153
IEFA	iShares Core MSCI EAFE ETF	+4,774	200,431	$16,731,979
NUDM	Nuveen ESG International Developed Markets Equity ETF	+2,585	126,504	$4,489,626
HYG	iShares iBoxx $ High Yield Corporate Bond ETF	+2,378	24,199	$1,951,649
XVV	iShares ESG Select Screened S&P 500 ETF	+1,841	88,618	$4,226,103
USRT	iShares Core U.S. REIT ETF	+1,745	43,255	$2,446,502
EAGG	iShares ESG Aware U.S. Aggregate Bond ETF	+1,733	44,950	$2,136,923
SUSB	iShares ESG Aware 1-5 Year USD Corporate Bond ETF	+1,678	69,075	$1,738,617
XJR	iShares ESG Select Screened S&P Small-Cap ETF	+1,469	34,450	$1,362,497
IAGG	iShares Core International Aggregate Bond ETF	+1,253	28,903	$1,476,654
SPSB	State Street(R) SPDR(R) Portfolio Short Term Corporate Bond ETF	+1,148	13,929	$420,516
SPYV	State Street(R) SPDR(R) Portfolio S&P 500(R) Value ETF	+1,062	36,647	$1,918,103
XJH	iShares ESG Select Screened S&P Mid-Cap ETF	+850	21,743	$902,334
SPDW	State Street(R) SPDR(R) Portfolio Developed World ex-US ETF	+716	37,000	$1,498,130
NULV	Nuveen ESG Large-Cap Value ETF	+685	20,516	$859,928
SPTM	State Street(R) SPDR(R) Portfolio S&P 1500(R) Composite Stock Market ETF	+626	19,177	$1,436,165
NUEM	Nuveen ESG Emerging Markets Equity ETF	+601	27,458	$911,880
HYXF	iShares ESG Advanced High Yield Corporate Bond ETF	+442	22,883	$1,086,942
BGRN	iShares USD Green Bond ETF	+362	16,112	$768,059
No positions match the current search.

Trimmed

Positions the filer reduced

14 positions

Ticker	Company	Δ Shares	Shares	Value
VCSH	VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	−1,911	3,953	$314,263
VCIT	VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX FUND	−1,788	49,446	$4,100,062
TOST	Toast, Inc.	−1,382	15,021	$665,280
VOO	VANGUARD 500 INDEX FUND	−883	12,299	$6,986,200
DFAC	Dimensional U.S. Core Equity 2 ETF	−668	18,203	$652,395
PHYL	PGIM Active High Yield Bond ETF	−442	14,250	$505,732
VO	VANGUARD MID-CAP INDEX FUND	−242	1,484	$415,267
VYM	VANGUARD HIGH DIVIDEND YIELD INDEX FUND	−172	4,329	$577,098
IJR	iShares Core S&P Small-Cap ETF	−120	9,278	$1,013,992
AMZN	Amazon Com Inc	−111	6,686	$1,466,841
ESGV	VANGUARD ESG U.S. STOCK ETF	−52	4,144	$454,348
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	−32	2,167	$658,616
IVV	iShares Core S&P 500 ETF	−3	1,741	$1,080,986
VGT	VANGUARD INFORMATION TECHNOLOGY INDEX FUND	−2	398	$263,985
No positions match the current search.

New Positions

Positions the filer opened this quarter

7 positions

Ticker	Company	Shares	Value
TSLA	Tesla, Inc.	2,486	$789,702
MGV	VANGUARD MORNINGSTAR MEGA CAP VALUE INDEX FUND	3,636	$477,043
TSM	Taiwan Semiconductor Manufacturing Co Ltd	959	$217,203
SCHX	Schwab U.S. Large-Cap ETF	8,876	$216,929
GE	General Electric Co	798	$205,397
AXP	American Express Co	637	$203,190
XLK	State Street(R) Technology Select Sector SPDR(R) ETF	791	$200,304
No positions match the current search.

Sold Out

Positions the filer fully exited

1 positions

Ticker	Company	Shares	Value	Open
VEA	Vanguard FTSE Developed Markets ETF	7,958	$404,505
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

74 tracked positions · $164,591,982 total · filing declares 74 positions · $164,591,682 · as of Jun 30, 2025

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

Showing 1–50 of 74 positions by value · page 1 of 2

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	Held (qtrs)	Est. cost/share	% of Portfolio
IEFA	iShares Core MSCI EAFE ETF	Added	200,431	+4,774	$16,731,979	+13.0%	18	before history	10.17%
IGSB	iShares 1-5 Year Investment Grade Corporate Bond ETF	Added	301,082	+15,115	$15,885,086	+6.1%	18	before history	9.65%
		Added	504,368	+24,181	$14,772,938	+5.2%	18	before history	8.98%
SPEM	State Street(R) SPDR(R) Portfolio Emerging Markets ETF	Added	263,223	+10,852	$11,250,151	+13.2%	18	before history	6.84%
DFAT	Dimensional U.S. Targeted Value ETF	Added	187,289	+9,430	$10,106,114	+10.4%	10	$49.76	6.14%
IJH	iShares Core S&P Mid-Cap ETF	Added	140,957	+5,295	$8,742,153	+10.4%	18	before history	5.31%
VOO	VANGUARD 500 INDEX FUND	Reduced	12,299	-883	$6,986,200	+3.1%	18	before history	4.24%
FLRN	State Street(R) SPDR(R) Bloomberg Investment Grade Floating Rate ETF	Added	207,496	+16,185	$6,397,101	+8.5%	17	unpriced	3.89%
SPAB	State Street(R) SPDR(R) Portfolio Aggregate Bond ETF	Added	189,378	+17,490	$4,848,076	+10.4%	18	before history	2.95%
VB	Vanguard Index Funds	Added	19,257	+142	$4,563,523	+7.7%	18	before history	2.77%
NUDM	Nuveen ESG International Developed Markets Equity ETF	Added	126,504	+2,585	$4,489,626	+13.8%	15	$28.63	2.73%
XVV	iShares ESG Select Screened S&P 500 ETF	Added	88,618	+1,841	$4,226,103	+13.8%	15	unpriced	2.57%
AAPL	Apple Inc. Technology	Added	20,034	+35	$4,110,375	−7.5%	18	before history	2.50%
VCIT	VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX FUND	Reduced	49,446	-1,788	$4,100,062	−2.1%	11	$78.55	2.49%
USRT	iShares Core U.S. REIT ETF	Added	43,255	+1,745	$2,446,502	+2.3%	2	unpriced	1.49%
EAGG	iShares ESG Aware U.S. Aggregate Bond ETF	Added	44,950	+1,733	$2,136,923	+4.1%	18	before history	1.30%
HYG	iShares iBoxx $ High Yield Corporate Bond ETF	Added	24,199	+2,378	$1,951,649	+13.4%	10	unpriced	1.19%
SPYV	State Street(R) SPDR(R) Portfolio S&P 500(R) Value ETF	Added	36,647	+1,062	$1,918,103	+5.5%	18	before history	1.17%
MSFT	Microsoft Corp Technology	Added	3,498	+21	$1,739,940	+33.3%	18	before history	1.06%
SUSB	iShares ESG Aware 1-5 Year USD Corporate Bond ETF	Added	69,075	+1,678	$1,738,617	+3.2%	18	before history	1.06%
NVDA	Nvidia Corp Technology	Added	10,032	+70	$1,584,955	+46.8%	7	unpriced	0.96%
SPDW	State Street(R) SPDR(R) Portfolio Developed World ex-US ETF	Added	37,000	+716	$1,498,130	+13.4%	18	before history	0.91%
IAGG	iShares Core International Aggregate Bond ETF	Added	28,903	+1,253	$1,476,654	+6.8%	18	before history	0.90%
AMZN	Amazon Com Inc Consumer Cyclical	Reduced	6,686	-111	$1,466,841	+13.4%	18	before history	0.89%
SPYG	State Street(R) SPDR(R) Portfolio S&P 500(R) Growth ETF	Added	15,234	+21	$1,452,104	+18.8%	18	before history	0.88%
SPTM	State Street(R) SPDR(R) Portfolio S&P 1500(R) Composite Stock Market ETF	Added	19,177	+626	$1,436,165	+13.8%	18	before history	0.87%
XJR	iShares ESG Select Screened S&P Small-Cap ETF	Added	34,450	+1,469	$1,362,497	+9.8%	13	unpriced	0.83%
HYXF	iShares ESG Advanced High Yield Corporate Bond ETF	Added	22,883	+442	$1,086,942	+4.6%	5	unpriced	0.66%
IYW	iShares, Inc.	Added	6,273	+3	$1,086,922	+23.4%	18	before history	0.66%
IVV	iShares Core S&P 500 ETF	Reduced	1,741	-3	$1,080,986	+10.3%	18	before history	0.66%
IJR	iShares Core S&P Small-Cap ETF	Reduced	9,278	-120	$1,013,992	+3.2%	18	before history	0.62%
VHT	VANGUARD HEALTH CARE INDEX FUND	Added	3,897	+15	$967,780	−5.8%	18	before history	0.59%
NUEM	Nuveen ESG Emerging Markets Equity ETF	Added	27,458	+601	$911,880	+16.1%	11	$27.09	0.55%
XJH	iShares ESG Select Screened S&P Mid-Cap ETF	Added	21,743	+850	$902,334	+10.5%	11	unpriced	0.55%
NFLX	Netflix Inc Communication Services	Held	669	0	$895,877	+43.6%	11	$333.68	0.54%
JPM	Jpmorgan Chase & Co Financial Services	Added	2,967	+14	$860,162	+18.7%	11	$166.59	0.52%
NULV	Nuveen ESG Large-Cap Value ETF	Added	20,516	+685	$859,928	+7.1%	7	$36.49	0.52%
TSLA	Tesla, Inc. Consumer Cyclical	NEW	2,486	NEW	$789,702	NEW	1	$301.28	0.48%
BGRN	iShares USD Green Bond ETF	Added	16,112	+362	$768,059	+3.0%	13	unpriced	0.47%
GOOGL	Alphabet Inc. Communication Services	Added	4,140	+20	$729,592	+14.5%	18	before history	0.44%
VIG	Vanguard Specialized Funds	Held	3,323	0	$680,118	+5.5%	18	before history	0.41%
TOST	Toast, Inc. Technology	Reduced	15,021	-1,382	$665,280	+22.3%	2	$37.44	0.40%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Reduced	2,167	-32	$658,616	+9.0%	18	before history	0.40%
DFAC	Dimensional U.S. Core Equity 2 ETF	Reduced	18,203	-668	$652,395	+4.8%	17	unpriced	0.40%
VYM	VANGUARD HIGH DIVIDEND YIELD INDEX FUND	Reduced	4,329	-172	$577,098	−0.6%	11	$119.97	0.35%
META	Meta Platforms, Inc. Communication Services	Added	709	+5	$523,305	+29.0%	6	$480.13	0.32%
PHYL	PGIM Active High Yield Bond ETF	Reduced	14,250	-442	$505,732	−1.1%	3	$35.22	0.31%
IYJ	iShares U.S. Industrials ETF	Added	3,518	+7	$500,646	+9.5%	18	before history	0.30%
MGV	VANGUARD MORNINGSTAR MEGA CAP VALUE INDEX FUND	NEW	3,636	NEW	$477,043	NEW	1	unpriced	0.29%
BRK-B	Berkshire Hathaway Inc Financial Services	Added	949	+3	$460,995	−8.5%	18	before history	0.28%

Showing the top 50 of 74 positions. Create a free account to see every position, past quarters, search, filters and CSV export.

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.