Sensible Financial Planning & Management, LLC.

WALTHAM, MA · CIK 1567738 · 13F filing filed 2025-11-05

No investment adviser registration (Form ADV) found for this filer. It may be a parent company whose subsidiaries are the registered advisers, a bank or insurer, or a manager based outside the US.

Others nearbyWaltham, MA

$550.7m reported value +4.6% vs Q2 2025

31positions

82.1%in top 10

0 new 15 added 15 reduced 6 sold out vs Q2 2025

Holdings, Q3 2025

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	SCHWAB STRATEGIC TR US TIPS ETF SCHP	SCHP	3,088,558	$83.2m15.12%	15.12%	Added +66.6k	+66,563 2.2%
2	VANGUARD CHARLOTTE FDS TOTAL INT BD ETF BNDX	BNDX	1,677,297	$83.0m15.07%	15.07%	Added +72.3k	+72,278 4.5%
3	ISHARES TR MBS ETF MBB	MBB	796,082	$75.7m13.76%	13.76%	Added +58.0k	+57,954 7.8%
4	ISHARES TR USD INV GRDE ETF USIG	USIG	1,407,927	$73.5m13.35%	13.35%	Added +15.5k	+15,501 1.1%
5	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	45,017	$27.6m5.01%	5.01%	Added +2.3k	+2,276 5.3%
6	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	79,427	$26.1m4.73%	4.73%	Added +13	+13 0.0%
7	ISHARES TR 0-5 YR TIPS ETF STIP	STIP	222,335	$23.0m4.17%	4.17%	Added +2.9k	+2,850 1.3%
8	ISHARES TR MSCI USA MMENTM MTUM	MTUM	88,088	$22.6m4.10%	4.10%	Reduced -3.7k	-3,689 -4.0%
9	SPDR SER TR SPDR S&P 500 ETF SPYX	SPYX	395,140	$21.7m3.94%	3.94%	Added +9.6k	+9,583 2.5%
10	VANGUARD WORLD FD MEGA CAP INDEX MGC	MGC	63,370	$15.5m2.81%	2.81%	Reduced -2.8k	-2,840 -4.3%
11	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	495,277	$13.0m2.37%	2.37%	Reduced -12.0k	-11,961 -2.4%
12	VANGUARD SCOTTSDALE FDS TOTAL CORP BND VTC	VTC	146,989	$11.5m2.09%	2.09%	Added +3.3k	+3,338 2.3%
13	VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF VMBS	VMBS	240,360	$11.3m2.05%	2.05%	Reduced -758	-758 -0.3%
14	DIMENSIONAL ETF TRUST INFLATION PROTE DFIP	DFIP	194,181	$8.2m1.49%	1.49%	Added +23.7k	+23,692 13.9%
15	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	173,336	$7.4m1.35%	1.35%	Reduced -3.3k	-3,305 -1.9%
16	SCHWAB STRATEGIC TR US REIT ETF SCHH	SCHH	322,193	$6.9m1.26%	1.26%	Reduced -11.7k	-11,708 -3.5%
17	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	13,476	$6.5m1.17%	1.17%	Reduced -8	-8 -0.1%
18	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	94,692	$5.7m1.03%	1.03%	Reduced -1.6k	-1,585 -1.6%
19	VANGUARD INDEX FDS SMALL CP ETF VB	VB	20,143	$5.1m0.93%	0.93%	Reduced -430	-430 -2.1%
20	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	61,463	$3.3m0.60%	0.60%	Added +462	+462 0.8%
21	VANGUARD INDEX FDS MID CAP ETF VO	VO	10,684	$3.1m0.57%	0.57%	Reduced -258	-258 -2.4%
22	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	20,227	$2.9m0.53%	0.53%	Added +1.8k	+1,833 10.0%
23	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	29,990	$2.7m0.50%	0.50%	Reduced -1.1k	-1,107 -3.6%
24	VANGUARD MALVERN FDS STRM INFPROIDX VTIP	VTIP	44,307	$2.2m0.41%	0.41%	Reduced -2.4k	-2,364 -5.1%
25	VANGUARD INDEX FDS VALUE ETF VTV	VTV	10,664	$2.0m0.36%	0.36%	Added +209	+209 2.0%
26	VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF BNDW	BNDW	28,004	$2.0m0.35%	0.35%	Added +4.8k	+4,817 20.8%
27	CABOT CORP COM CBT	CBT	24,979	$1.9m0.34%	0.34%	Reduced -314	-314 -1.2%
28	ISHARES TR ESG AW MSCI EAFE ESGD	ESGD	10,770	$1.0m0.18%	0.18%	Reduced -393	-393 -3.5%
29	DIMENSIONAL ETF TRUST US TARGETED VLU DFAT	DFAT	15,818	$920.8k0.17%	0.17%	Reduced -789	-789 -4.8%
30	ISHARES INC ESG AWR MSCI EM ESGE	ESGE	12,445	$540.4k0.10%	0.10%	Added +1.2k	+1,172 10.4%
31	DIMENSIONAL ETF TRUST INTL CORE EQT MK DFAI	DFAI	12,682	$461.0k0.08%	0.08%	Unchanged

Sold out since Q2 2025

Security	Ticker	Shares held before	Value then
EA SERIES TRUST ROE	ROE	26,189	$843.5k26.2k shares
EA SERIES TRUST AGGA	AGGA	29,407	$742.1k29.4k shares
SPDR INDEX SHS FDS EFAX	EFAX	13,872	$657.0k13.9k shares
EA SERIES TRUST GQQQ	GQQQ	22,153	$599.7k22.2k shares
SPDR SER TR SPTI	SPTI	20,577	$592.0k20.6k shares
DOUBLELINE ETF TRUST DMBS	DMBS	10,086	$494.9k10.1k shares