Sensible Money, LLC

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CIK 1965229

13F portfolio (2026-Q1)

$329M

Positions

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

Top 5

70.4%

Top 10

85.1%

Effective N

7.3

HHI

0.137

This quarter

4 new · 0 exit →

By sector

Unclassified95.8%

Information Technology1.7%

Communication Services0.7%

Financials0.7%

Materials0.7%

Consumer Discretionary0.3%

Industrials0.1%

Health Care0.1%

By market cap

Unknown95.8%

Mega (>$200B)3.3%

Large ($10–200B)0.8%

Mid ($2–10B)0.1%

By region

Other95.8%

North America4.2%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	96.09%	73
Technology Hardware & Equipment	1.18%	1
Software & IT Services	0.70%	2
Metals & Mining	0.68%	1
Specialty Retail	0.32%	2
Banks	0.31%	2
Software	0.29%	1
Semiconductors & Semiconductor Equipment	0.21%	1
Commercial Services & Supplies	0.15%	2
Pharmaceuticals & Biotechnology	0.06%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	DFAC	DIMENSIONAL ETF TRUST	Unclassified	26.13%
2	DFAT	DIMENSIONAL ETF TRUST	Unclassified	20.30%
3	DFEV	DIMENSIONAL ETF TRUST	Unclassified	8.26%
4	DFEM	DIMENSIONAL ETF TRUST	Unclassified	7.91%
5	DFIC	DIMENSIONAL ETF TRUST	Unclassified	7.83%
6	DFAX	DIMENSIONAL ETF TRUST	Unclassified	7.58%
7	DISV	DIMENSIONAL ETF TRUST	Unclassified	3.75%
8	AAPL	Apple Inc.	Information Technology	1.18%
9	SCHA	SCHWAB STRATEGIC TR	Unclassified	1.13%
10	FNDE	SCHWAB STRATEGIC TR	Unclassified	0.99%

14/86 names classified · sector 4.2% of weight · industry 3.9% · mkt cap 4.2%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 14 quarters

Information TechnologyAAPL, MSFT, NVDA, IBM, INTC · other

Materials

Communication ServicesGOOGL, GOOG, DIS, META

FinancialsJPM, PRK, V, BRK.B, UNH

Consumer DiscretionaryAMZN, COST

Health CareABBV, JNJ, MDT, LLY

IndustrialsFTAI, NSC

UnclassifiedDFAC, DFAT, DFAX, DFEV, DFEM · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 4.2% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 4% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (13 classified)Sensible Money, LLC centroid (Large Growth)

Information TechnologyCommunication ServicesMaterialsFinancialsConsumer DiscretionaryIndustrialsHealth Care

Style box summary for Sensible Money, LLC: centroid Large Growth. Heaviest cells: Large Core 2.1%, Large Growth 1.6%, Small Core 0.1%.

Classified: 3.9% of book weight (13/86 names) · unclassified 96.1%: DFAC, DFAT, DFEV, DFEM, DFIC, DFAX, DISV, SCHA, FNDE, VTI +63 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 86 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	DFACDIMENSIONAL ETF TRUST	2,210,467	$86M	26.1%	ADD 9%
2	DFATDIMENSIONAL ETF TRUST	1,068,341	$67M	20.3%	ADD 5%
3	DFEVDIMENSIONAL ETF TRUST	758,832	$27M	8.3%	ADD 4%
4	DFEMDIMENSIONAL ETF TRUST	752,742	$26M	7.9%	ADD 4%
5	DFICDIMENSIONAL ETF TRUST	724,079	$26M	7.8%	ADD 11%
6	DFAXDIMENSIONAL ETF TRUST	733,377	$25M	7.6%	TRIM −5%
7	DISVDIMENSIONAL ETF TRUST	312,922	$12M	3.8%	HOLD
8	AAPLAPPLE INC	15,289	$4M	1.2%	TRIM −49%
9	SCHASCHWAB STRATEGIC TR	127,320	$4M	1.1%	HOLD
10	FNDESCHWAB STRATEGIC TR	84,808	$3M	1.0%	TRIM −4%
11	FCXFREEPORT MCMORAN INC	38,300	$2M	0.7%	HOLD
12	VTIVANGUARD INDEX FDS	6,465	$2M	0.6%	TRIM −7%
13	DFUSDIMENSIONAL ETF TRUST	27,808	$2M	0.6%	ADD 4%
14	SLYVSPDR SERIES TRUST	19,861	$2M	0.6%	HOLD
15	SPYSTATE STR SPDR S&P 500 ETF T	2,846	$2M	0.6%	TRIM −18%
16	IVVISHARES TR	2,519	$2M	0.5%	ADD 31%
17	VEAVANGUARD TAX-MANAGED FDS	24,586	$2M	0.5%	ADD 18%
18	IEMGISHARES INC	22,432	$2M	0.5%	ADD 3%
19	GOOGLALPHABET INC	4,818	$1M	0.4%	TRIM −4%
20	IWVISHARES TR	3,729	$1M	0.4%	HOLD
21	VOOVANGUARD INDEX FDS	1,953	$1M	0.4%	HOLD
22	AVESAMERICAN CENTY ETF TR	16,339	$980,003	0.3%	HOLD
23	BRK.BBERKSHIRE HATHAWAY INC DEL	2,037	$976,131	0.3%	NEW
24	MSFTMICROSOFT CORP	2,552	$944,715	0.3%	HOLD
25	GOOGALPHABET INC	3,241	$929,828	0.3%	HOLD
26	QTECFIRST TR EXCHANGE-TRADED FD	4,266	$921,371	0.3%	HOLD
27	IJRISHARES TR	7,292	$906,440	0.3%	HOLD
28	BSCSINVESCO EXCH TRD SLF IDX FD	42,219	$862,245	0.3%	HOLD
29	AVEMAMERICAN CENTY ETF TR	10,048	$809,642	0.2%	HOLD
30	USMVISHARES TR	8,678	$804,798	0.2%	HOLD
31	EZMWISDOMTREE TR	11,866	$797,633	0.2%	HOLD
32	SPLVINVESCO EXCH TRADED FD TR II	10,453	$764,533	0.2%	HOLD
33	AMZNAMAZON COM INC	3,572	$743,941	0.2%	HOLD
34	FNDCSCHWAB STRATEGIC TR	14,870	$689,376	0.2%	HOLD
35	NVDANVIDIA CORPORATION	3,927	$684,933	0.2%	TRIM −6%
36	RSPHINVESCO EXCHANGE TRADED FD T	21,825	$658,976	0.2%	HOLD
37	JPMJPMORGAN CHASE & CO	2,239	$658,625	0.2%	HOLD
38	IYWISHARES TR	3,200	$580,544	0.2%	HOLD
39	PDNINVESCO EXCH TRADED FD TR II	12,350	$535,619	0.2%	HOLD
40	BSCUINVESCO EXCH TRD SLF IDX FD	31,735	$530,573	0.2%	ADD 18%
41	PKWINVESCO EXCHANGE TRADED FD T	4,019	$527,491	0.2%	HOLD
42	DFLVDIMENSIONAL ETF TRUST	14,770	$527,450	0.2%	ADD 2%
43	BSCRINVESCO EXCH TRD SLF IDX FD	26,844	$526,816	0.2%	HOLD
44	IEFAISHARES TR	5,545	$502,016	0.2%	TRIM −3%
45	DFAWDIMENSIONAL ETF TRUST	6,666	$491,837	0.1%	ADD 138%
46	BSCQINVESCO EXCH TRD SLF IDX FD	24,803	$484,400	0.1%	HOLD
47	BSCTINVESCO EXCH TRD SLF IDX FD	24,750	$461,839	0.1%	ADD 6%
48	SPDWSPDR INDEX SHS FDS	9,868	$450,491	0.1%	HOLD
49	QQQINVESCO QQQ TR	772	$445,710	0.1%	HOLD
50	IJJISHARES TR	3,311	$438,708	0.1%	HOLD
51	ACWVISHARES INC	3,647	$435,853	0.1%	HOLD
52	QUALISHARES TR	2,232	$428,120	0.1%	HOLD
53	SCHDSCHWAB STRATEGIC TR	13,821	$424,017	0.1%	TRIM −12%
54	VBKVANGUARD INDEX FDS	1,394	$421,337	0.1%	HOLD
55	FDNFIRST TR EXCHANGE-TRADED FD	1,765	$413,063	0.1%	HOLD
56	ISCVISHARES TR	5,731	$398,388	0.1%	HOLD
57	SLYGSPDR SERIES TRUST	3,796	$366,796	0.1%	HOLD
58	PRKPARK NATL CORP	2,235	$365,318	0.1%	HOLD
59	IJTISHARES TR	2,518	$364,396	0.1%	HOLD
60	VIGVANGUARD SPECIALIZED FUNDS	1,614	$347,107	0.1%	TRIM −3%
61	DFSVDIMENSIONAL ETF TRUST	9,705	$340,055	0.1%	NEW
62	ITOTISHARES TR	2,361	$336,251	0.1%	HOLD
63	MDYVSPDR SERIES TRUST	3,864	$329,020	0.1%	TRIM −22%
64	COSTCOSTCO WHSL CORP NEW	323	$322,027	0.1%	HOLD
65	PFIINVESCO EXCHANGE TRADED FD T	5,973	$318,075	0.1%	HOLD
66	VBVANGUARD INDEX FDS	1,159	$303,566	0.1%	TRIM −38%
67	VOVANGUARD INDEX FDS	1,055	$302,975	0.1%	ADD 36%
68	AVUVAMERICAN CENTY ETF TR	2,465	$272,343	0.1%	ADD 4%
69	XMLVINVESCO EXCH TRADED FD TR II	4,275	$269,197	0.1%	HOLD
70	BFORALPS ETF TR	3,236	$268,605	0.1%	HOLD
71	IYGISHARES TR	3,213	$266,165	0.1%	HOLD
72	EFAISHARES TR	2,693	$261,556	0.1%	HOLD
73	SCHXSCHWAB U.S. LARGE-CAP ETF	9,884	$253,422	0.1%	HOLD
74	VVISA INC	834	$252,069	0.1%	HOLD
75	MOATVANECK ETF TRUST	2,589	$250,357	0.1%	HOLD
76	RDVYFIRST TR EXCHANGE TRADED FD	3,665	$250,247	0.1%	HOLD
77	SCHCSCHWAB STRATEGIC TR	5,031	$235,168	0.1%	HOLD
78	IAUISHARES GOLD TR	2,667	$235,123	0.1%	HOLD
79	FTAIFTAI AVIATION LTD	951	$232,995	0.1%	TRIM −22%
80	PTNQPACER FDS TR	3,000	$218,880	0.1%	HOLD
81	EFAVISHARES TR	2,382	$217,644	0.1%	HOLD
82	SCHBSCHWAB STRATEGIC TR	8,636	$216,755	0.1%	ADD 4%
83	DFSEDIMENSIONAL ETF TRUST	5,054	$214,137	0.1%	NEW
84	VUGVANGUARD INDEX FDS	486	$212,280	0.1%	HOLD
85	ABBVABBVIE INC	940	$204,441	0.1%	TRIM −3%
86	VWOVANGUARD INTL EQUITY INDEX F	3,738	$202,059	0.1%	NEW

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

DFACDIMENSIONAL ETF TRUST

1.7M

1.8M

1.9M

2.0M

2.2M

$86M

DFATDIMENSIONAL ETF TRUST

792K

848K

903K

966K

1.0M

1.1M

$67M

DFEVDIMENSIONAL ETF TRUST

597K

637K

689K

712K

731K

759K

$27M

DFEMDIMENSIONAL ETF TRUST

579K

638K

666K

708K

724K

753K

$26M

DFICDIMENSIONAL ETF TRUST

333K

431K

491K

563K

651K

724K

$26M

DFAXDIMENSIONAL ETF TRUST

867K

836K

825K

804K

768K

733K

$25M

DISVDIMENSIONAL ETF TRUST

333K

331K

332K

326K

317K

313K

$12M

AAPLAPPLE INC

32K

31K

30K

15K

$4M

SCHASCHWAB STRATEGIC TR

118K

119K

117K

128K

127K

$4M

FNDESCHWAB STRATEGIC TR

89K

90K

89K

85K

$3M

FCXFREEPORT MCMORAN INC

48K

56K

47K

42K

38K

$2M

VTIVANGUARD INDEX FDS

$2M

DFUSDIMENSIONAL ETF TRUST

25K

27K

28K

$2M

SLYVSPDR SERIES TRUST

21K

20K

$2M

SPYSTATE STR SPDR S&P 500 ETF T

$2M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

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