Managers / Q2 2025 · view latest →
Sensible Money, LLC
CIK 0001965229 · 4200 N MARSHALL WAY SUITE 2, SCOTTSDALE, AZ, 85251 · (480) 719-7290
Summary
Sensible Money, LLC reported $264M in U.S.-listed holdings across 87 positions for Q2 2025.
The portfolio is heavily concentrated: DFAC alone accounts for 25.7% of reported value.
Compared with Q1 2025, the fund opened 7 new positions and exited 3.
Portfolio Metrics
Methodology: turnover is min(value bought, value sold) ÷ average reported value across the two quarters — value-based, so market moves inflate it slightly versus a share-based measure. Concentration and largest position are shares of the filing’s total reported value, options excluded. New/exited counts compare against the prior filed quarter. All figures derive solely from the fund’s 13F filings.
Reported Value by Quarter
Portfolio Composition
- ETP · 94.2% · $249M
- Common Stock · 5.8% · $15M
- US DOMESTIC · 0.0% · $9,911
Quarter-over-Quarter Changes full breakdown →
vs Q1 2025 (amended baseline)
| Issuer | Move | Share Δ | Shares now | Value Δ | Value now |
|---|---|---|---|---|---|
| AMERICAN CENTY ETF TR | NEW | +2.7K | 2.7K | +$249,351 | $249,351 |
| METAMETA PLATFORMS INC | NEW | +328 | 328 | +$242,094 | $242,094 |
| SCHWAB STRATEGIC TR | NEW | +5.3K | 5.3K | +$226,354 | $226,354 |
| PANWPALO ALTO NETWORKS INC | NEW | +1.1K | 1.1K | +$220,807 | $220,807 |
| NSCNORFOLK SOUTHN CORP | NEW | +827 | 827 | +$211,688 | $211,688 |
| VANGUARD INDEX FDS | NEW | +715 | 715 | +$203,990 | $203,990 |
| ISHARES TR | NEW | +2.4K | 2.4K | +$200,231 | $200,231 |
| WISDOMTREE TR | SOLD OUT | −3.3K | 0 | −$266,493 | $0 |
Value changes conflate price moves with buying and selling — share changes are the real signal. Share counts are not split-adjusted.
Holdings — Q2 2025
| # | Issuer | Class | % Portfolio | Value ↓ | Shares |
|---|---|---|---|---|---|
| 1 | DFACDIMENSIONAL ETF TRUST | US CORE EQUITY 2 · US TARGETED VLU · WORLD EX US CORE · EMERGING MKTS VA · EMERGING MKTS CO · INTL CORE EQUITY · INTL SMALL CAP V · US EQUITY MARKET · US LARGE CAP VAL | 79.37% | $209M | 5.83M |
| 2 | SCHWAB STRATEGIC TR | US SML CAP ETF · FUNDAMENTAL EMER · FUNDAMENTAL INTL | 2.50% | $7M | 223.7K |
| 3 | AAPLAPPLE INChistory → | COM | 2.42% | $6M | 31.1K |
| 4 | ISHARES TR | RUSSELL 3000 ETF · CORE S&P500 ETF · MSCI USA MIN VOL · CORE S&P SCP ETF · U.S. TECH ETF · CORE MSCI EAFE · MSCI USA QLT FCT · S&P MC 400VL ETF | 2.27% | $6M | 36.5K |
| 5 | VANGUARD INDEX FDS | TOTAL STK MKT · S&P 500 ETF SHS | 1.17% | $3M | 8.4K |
| 6 | SPDR SERIES TRUST | S&P 600 SMCP VAL · S&P 400 MDCP VAL | 0.79% | $2M | 26.2K |
| 7 | FCXFREEPORT-MCMORAN INC | CL B | 0.77% | $2M | 46.6K |
| 8 | BSCPINVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB · INVSCO BLSH 28 · BULSHS 2026 CB · BULSHS 2027 CB | 0.76% | $2M | 99.4K |
| 9 | SPDR S&P 500 ETF TR | TR UNIT | 0.74% | $2M | 3.1K |
| 10 | ISHARES INC | CORE MSCI EMKT · MSCI GBL MIN VOL | 0.66% | $2M | 25.6K |
| 11 | AMERICAN CENTY ETF TR | EMERGING MKT VAL · AVANTIS EMGMKT | 0.59% | $2M | 26.4K |
| 12 | GOOGLALPHABET INC | CAP STK CL A · CAP STK CL C | 0.56% | $1M | 8.4K |
| 13 | FIRST TR EXCHANGE-TRADED FD | SHS · DJ INTERNT IDX | 0.52% | $1M | 6.0K |
| 14 | MSFTMICROSOFT CORP | COM | 0.51% | $1M | 2.7K |
| 15 | INVESCO EXCH TRADED FD TR II | S&P500 LOW VOL · RAFI DVLPD MRKTS | 0.47% | $1M | 22.7K |
| 16 | VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 0.45% | $1M | 20.8K |
| 17 | INVESCO EXCHANGE TRADED FD T | S&P500 EQL HLT · BUYBACK ACHIEV | 0.43% | $1M | 25.8K |
| 18 | AMZNAMAZON COM INC | COM | 0.29% | $777,738 | 3.5K |
| 19 | WISDOMTREE TR | US MIDCAP FUND | 0.28% | $732,963 | 11.9K |
| 20 | NVDANVIDIA CORPORATION | COM | 0.25% | $666,912 | 4.2K |
| 21 | JPMJPMORGAN CHASE & CO. | COM | 0.25% | $649,109 | 2.2K |
| 22 | NDQINVESCO QQQ TR | UNIT SER 1 | 0.16% | $426,473 | 773 |
Filing History
| Quarter | Reported Value | Positions | Filed | Type | Links |
|---|---|---|---|---|---|
| Q1 2026 | $329M | 86 | Apr 21, 2026 | 13F-HR | changes · EDGAR ↗ |
| Q4 2025 | $313M | 86 | Feb 9, 2026 | 13F-HR | changes · EDGAR ↗ |
| Q3 2025 | $294M | 88 | Nov 13, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q2 2025 | $264M | 87 | Aug 5, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q1 2025 | $233M | 83 | May 13, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q4 2024 | $228M | 82 | Jan 29, 2025 | 13F-HR | changes · EDGAR ↗ |
| Q3 2024 | $229M | 86 | Oct 16, 2024 | 13F-HR | changes · EDGAR ↗ |
| Q2 2024 | $186M | 82 | Jun 25, 2024 | 13F-HR | changes · EDGAR ↗ |
13F filings are due up to 45 days after quarter end, so holdings shown here lag the fund’s current book. Source: original SEC filing on EDGAR ↗.