Better Money Decisions, LLC

Santa Fe, NM · CIK 1858428 · 13F filing filed 2025-08-08

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 nearbySanta Fe, NM

$164.6m reported value +9.9% vs Q1 2025

74positions

60.9%in top 10

7 new 44 added 14 reduced 1 sold out vs Q1 2025

Holdings, Q2 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	ISHARES TR CORE MSCI EAFE IEFA	IEFA	200,431	$16.7m10.17%	10.17%	Added +4.8k	+4,774 2.4%
2	ISHARES TR ISHS 1-5YR INVS IGSB	IGSB	301,082	$15.9m9.65%	9.65%	Added +15.1k	+15,115 5.3%
3	SPDR SER TR PORTFOLIO SH TSR SPTS	SPTS	504,368	$14.8m8.98%	8.98%	Added +24.2k	+24,181 5.0%
4	SPDR INDEX SHS FDS PORTFOLIO EMG MK SPEM	SPEM	263,223	$11.3m6.84%	6.84%	Added +10.9k	+10,852 4.3%
5	DIMENSIONAL ETF TRUST US TARGETED VLU DFAT	DFAT	187,289	$10.1m6.14%	6.14%	Added +9.4k	+9,430 5.3%
6	ISHARES TR CORE S&P MCP ETF IJH	IJH	140,957	$8.7m5.31%	5.31%	Added +5.3k	+5,295 3.9%
7	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	12,299	$7.0m4.24%	4.24%	Reduced -883	-883 -6.7%
8	SPDR SER TR BLOOMBERG INVT FLRN	FLRN	207,496	$6.4m3.89%	3.89%	Added +16.2k	+16,185 8.5%
9	SPDR SER TR PORTFOLIO AGRGTE SPAB	SPAB	189,378	$4.8m2.95%	2.95%	Added +17.5k	+17,490 10.2%
10	VANGUARD INDEX FDS SMALL CP ETF VB	VB	19,257	$4.6m2.77%	2.77%	Added +142	+142 0.7%
11	NUSHARES ETF TR NUVEEN ESG INTL NUDM	NUDM	126,504	$4.5m2.73%	2.73%	Added +2.6k	+2,585 2.1%
12	ISHARES TR ESG SELECT SCRE XVV	XVV	88,618	$4.2m2.57%	2.57%	Added +1.8k	+1,841 2.1%
13	APPLE INC COM AAPL	AAPL	20,034	$4.1m2.50%	2.50%	Added +35	+35 0.2%
14	VANGUARD SCOTTSDALE FDS INT-TERM CORP VCIT	VCIT	49,446	$4.1m2.49%	2.49%	Reduced -1.8k	-1,788 -3.5%
15	ISHARES TR CRE U S REIT ETF USRT	USRT	43,255	$2.4m1.49%	1.49%	Added +1.7k	+1,745 4.2%
16	ISHARES TR ESG AWR US AGRGT EAGG	EAGG	44,950	$2.1m1.30%	1.30%	Added +1.7k	+1,733 4.0%
17	ISHARES TR IBOXX HI YD ETF HYG	HYG	24,199	$2.0m1.19%	1.19%	Added +2.4k	+2,378 10.9%
18	SPDR SERIES TRUST PRTFLO S&P500 VL SPYV	SPYV	36,647	$1.9m1.17%	1.17%	Added +1.1k	+1,062 3.0%
19	MICROSOFT CORP COM MSFT	MSFT	3,498	$1.7m1.06%	1.06%	Added +21	+21 0.6%
20	ISHARES TR ESG AWRE 1 5 YR SUSB	SUSB	69,075	$1.7m1.06%	1.06%	Added +1.7k	+1,678 2.5%
21	NVIDIA CORPORATION COM NVDA	NVDA	10,032	$1.6m0.96%	0.96%	Added +70	+70 0.7%
22	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	37,000	$1.5m0.91%	0.91%	Added +716	+716 2.0%
23	ISHARES TR CORE INTL AGGR IAGG	IAGG	28,903	$1.5m0.90%	0.90%	Added +1.3k	+1,253 4.5%
24	AMAZON COM INC COM AMZN	AMZN	6,686	$1.5m0.89%	0.89%	Reduced -111	-111 -1.6%
25	SPDR SERIES TRUST PRTFLO S&P500 GW SPYG	SPYG	15,234	$1.5m0.88%	0.88%	Added +21	+21 0.1%
26	SPDR SERIES TRUST PORTFOLI S&P1500 SPTM	SPTM	19,177	$1.4m0.87%	0.87%	Added +626	+626 3.4%
27	ISHARES TR ESG SELECT SCREE XJR	XJR	34,450	$1.4m0.83%	0.83%	Added +1.5k	+1,469 4.5%
28	ISHARES TR U.S. TECH ETF IYW	IYW	6,273	$1.1m0.66%	0.66%	Added +3	+3 0.1%
29	ISHARES TR ESG ADVNCD HY BD HYXF	HYXF	22,883	$1.1m0.66%	0.66%	Added +442	+442 2.0%
30	ISHARES TR CORE S&P500 ETF IVV	IVV	1,741	$1.1m0.66%	0.66%	Reduced -3	-3 -0.2%
31	ISHARES TR CORE S&P SCP ETF IJR	IJR	9,278	$1.0m0.62%	0.62%	Reduced -120	-120 -1.3%
32	VANGUARD WORLD FD HEALTH CAR ETF VHT	VHT	3,897	$967.8k0.59%	0.59%	Added +15	+15 0.4%
33	NUSHARES ETF TR NUVEEN ESG EMRGN NUEM	NUEM	27,458	$911.9k0.55%	0.55%	Added +601	+601 2.2%
34	ISHARES TR ESG SELECT SCRE XJH	XJH	21,743	$902.3k0.55%	0.55%	Added +850	+850 4.1%
35	NETFLIX INC COM NFLX	NFLX	669	$895.9k0.54%	0.54%	Unchanged
36	JPMORGAN CHASE & CO COM JPM	JPM	2,967	$860.2k0.52%	0.52%	Added +14	+14 0.5%
37	NUSHARES ETF TR NUVEEN ESG LRGVL NULV	NULV	20,516	$859.9k0.52%	0.52%	Added +685	+685 3.5%
38	TESLA INC COM TSLA	TSLA	2,486	$789.7k0.48%	0.48%	New
39	ISHARES TR USD GRN BOND ETF BGRN	BGRN	16,112	$768.1k0.47%	0.47%	Added +362	+362 2.3%
40	ALPHABET INC CAP STK CL A GOOGL	GOOGL	4,140	$729.7k0.44%	0.44%	Added +20	+20 0.5%
41	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	3,323	$680.1k0.41%	0.41%	Unchanged
42	TOAST INC CL A TOST	TOST	15,021	$665.3k0.40%	0.40%	Reduced -1.4k	-1,382 -8.4%
43	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	2,167	$658.6k0.40%	0.40%	Reduced -32	-32 -1.5%
44	DIMENSIONAL ETF TRUST US CORE EQUITY 2 DFAC	DFAC	18,203	$652.4k0.40%	0.40%	Reduced -668	-668 -3.5%
45	VANGUARD WHITEHALL FDS HIGH DIV YLD VYM	VYM	4,329	$577.1k0.35%	0.35%	Reduced -172	-172 -3.8%
46	META PLATFORMS INC CL A META	META	709	$523.0k0.32%	0.32%	Added +5	+5 0.7%
47	PGIM ETF TR ACTV HY BD ETF PHYL	PHYL	14,250	$505.7k0.31%	0.31%	Reduced -442	-442 -3.0%
48	ISHARES TR US INDUSTRIALS IYJ	IYJ	3,518	$500.6k0.30%	0.30%	Added +7	+7 0.2%
49	VANGUARD WORLD FD MEGA CAP VAL ETF MGV	MGV	3,636	$477.0k0.29%	0.29%	New
50	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	949	$461.0k0.28%	0.28%	Added +3	+3 0.3%
51	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	741	$457.7k0.28%	0.28%	Added +2	+2 0.3%
52	VANGUARD WORLD FD ESG US STK ETF ESGV	ESGV	4,144	$454.4k0.28%	0.28%	Reduced -52	-52 -1.2%
53	FLEXSHARES TR STOX US ESG SLCT ESG	ESG	3,044	$447.0k0.27%	0.27%	Added +8	+8 0.3%
54	CHEVRON CORP NEW COM CVX	CVX	3,011	$431.1k0.26%	0.26%	Unchanged
55	SPDR SER TR PORTFOLIO SHORT SPSB	SPSB	13,929	$420.5k0.26%	0.26%	Added +1.1k	+1,148 9.0%
56	VANGUARD INDEX FDS MID CAP ETF VO	VO	1,484	$415.3k0.25%	0.25%	Reduced -242	-242 -14.0%
57	COSTCO WHSL CORP NEW COM COST	COST	387	$383.1k0.23%	0.23%	Added +4	+4 1.0%
58	DIMENSIONAL ETF TRUST WORLD EX US CORE DFAX	DFAX	11,295	$331.7k0.20%	0.20%	Added +141	+141 1.3%
59	LOWES COS INC COM LOW	LOW	1,455	$322.8k0.20%	0.20%	Unchanged
60	VANGUARD INDEX FDS LARGE CAP ETF VV	VV	1,107	$315.9k0.19%	0.19%	Unchanged
61	VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD VCSH	VCSH	3,953	$314.3k0.19%	0.19%	Reduced -1.9k	-1,911 -32.6%
62	COCA COLA CO COM KO	KO	4,426	$313.2k0.19%	0.19%	Unchanged
63	WISDOMTREE TR US SMALLCAP DIVD DES	DES	9,648	$306.4k0.19%	0.19%	Added +68	+68 0.7%
64	ISHARES TR ESG MSCI LEADR SUSL	SUSL	2,812	$304.6k0.19%	0.19%	Added +7	+7 0.2%
65	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	524	$289.0k0.18%	0.18%	Unchanged
66	VANGUARD WORLD FD INF TECH ETF VGT	VGT	398	$263.7k0.16%	0.16%	Reduced -2	-2 -0.5%
67	KKR & CO INC COM KKR	KKR	1,872	$249.0k0.15%	0.15%	Unchanged
68	SCHWAB STRATEGIC TR US MID-CAP ETF SCHM	SCHM	8,150	$228.6k0.14%	0.14%	Added +27	+27 0.3%
69	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	1,376	$226.3k0.14%	0.14%	Unchanged
70	TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS TSM	TSM	959	$217.2k0.13%	0.13%	New
71	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	8,876	$216.9k0.13%	0.13%	New
72	GE AEROSPACE COM NEW GE	GE	798	$205.4k0.12%	0.12%	New
73	AMERICAN EXPRESS CO COM AXP	AXP	637	$203.2k0.12%	0.12%	New
74	SELECT SECTOR SPDR TR TECHNOLOGY XLK	XLK	791	$200.3k0.12%	0.12%	New

Sold out since Q1 2025

Security	Ticker	Shares held before	Value then
VANGUARD TAX-MANAGED FDS VEA	VEA	7,958	$404.5k8.0k shares