Q3 2026 13F · SEC CIK 1768302

ERn Financial, LLC

Wealth managerFiled 2026-10-28 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $613.2M
Reported positions: 163
Top holdings a year, 3 yrs: +14.3%
Assets under management: $1.2B

ERn Financial, LLC is a wealth manager that reported 163 positions worth $613.2M in its Q3 2026 13F, filed 2026-10-28. Its largest holdings were State Street Spdr Portfolio S&p 500 Grow (SPYG, 7.9%), State Street Spdr Portfolio S&p 500 Valu (SPYV, 7.1%), Spdr Index Shs Fds (SPDW, 5.4%). A portfolio copying its top holdings returned 14.3% a year over the last 3 years, against 20.4% for the S&P 500.

ERn Financial, LLC holdings largest 50 of 163 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

ERn Financial, LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
SPYGState Street Spdr Portfolio S&p 500 Grow	7.9%	7.4%	395,011	+5.7%	$48.6M
SPYVState Street Spdr Portfolio S&p 500 Valu	7.1%	7.2%	708,557	-0.6%	$43.3M
SPDWSpdr Index Shs Fds	5.4%	5.4%	661,394	+1.3%	$33.2M
IEFAIshares Tr	3.4%	3.5%	214,305	-0.9%	$20.8M
USTBVictoryshares Short	3.0%	2.9%	372,558	+6.5%	$18.6M
AVEMAmerican Centy ETF Tr	2.6%	2.7%	170,997	-0.3%	$16.1M
MDYVSpdr Series Trust	2.4%	2.7%	169,285	-1.1%	$15.0M
FDGAmerican Centy ETF Tr	2.4%	1.6%	110,888	+56.2%	$14.9M
SPEMSpdr Index Shs Fds	2.3%	2.3%	266,919	-1.1%	$13.8M
PYLDPimco ETF Tr	2.2%	2.2%	540,381	+8.1%	$13.7M
JTEKJpmorgan U.s. Tech Leaders ETF	2.1%	2.2%	121,065	+0.6%	$12.7M
JHMLJohn Hancock Exchange Traded	2.1%	2.0%	141,178	+4.1%	$12.6M
QUALIshares Tr	2.0%	2.1%	56,013	-1.1%	$12.4M
VUGVanguard Index Fds	1.9%	1.9%	132,678	+0.1%	$12.0M
DFCFDimensional ETF Trust	1.9%	2.0%	294,519	+4.4%	$11.8M
SPABSpdr Series Trust	1.9%	1.7%	479,356	+20.6%	$11.7M
DFAXDimensional ETF Trust	1.8%	1.9%	305,836	-4.1%	$11.3M
REETIshares Tr	1.8%	2.0%	431,261	-1.8%	$11.1M
SPLGSpdr Series Trust	1.6%	1.6%	109,764	+1.5%	$9.9M
MDYGSpdr Ser Tr	1.6%	1.7%	92,332	+1.0%	$9.7M
SPIPSpdr Series Trust	1.6%	1.6%	393,415	+5.8%	$9.6M
OMFLInvesco Exch Trd Slf Idx Fd	1.5%	1.5%	130,589	-2.3%	$9.1M
RAAXVaneck ETF Trust	1.5%	1.4%	226,965	+3.7%	$9.0M
USRTIshares Tr	1.3%	1.5%	126,793	-4.3%	$7.8M
AAPLApple Inc	1.3%	1.1%	23,014	+1.0%	$7.7M
HMOPHartford Fds Exchange Traded	1.2%	1.4%	207,156	-0.8%	$7.6M
FMBFirst Tr Exch Traded Fd III	1.2%	1.3%	159,274	+4.3%	$7.6M
VONGVanguard Scottsdale Fds	1.2%	1.2%	57,291	-1.4%	$7.4M
MUNIPimco ETF Tr	1.2%	1.2%	146,203	+5.8%	$7.3M
VOOVanguard Index Fds	1.2%	1.2%	10,342	-3.8%	$7.2M
AVUVAmerican Centy ETF Tr	1.2%	1.3%	61,062	-0.4%	$7.2M
EFAIshares Tr	1.1%	1.2%	67,209	-1.0%	$7.0M
PVALPutnam Focused Large Capvalue ETF	1.1%	1.1%	131,759	-0.5%	$6.9M
FIXDFirst Tr Exchng Traded Fd Vi	1.0%	1.0%	144,918	+1.2%	$6.0M
JMSTJ P Morgan Exchange Traded F	1.0%	1.0%	117,610	+1.5%	$5.9M
JBNDJ P Morgan Exchange Traded F	0.9%	1.0%	112,801	+2.9%	$5.8M
IJRIshares Tr	0.9%	1.0%	40,190	-3.5%	$5.5M
DYNFBlackrock ETF Trust	0.9%	0.9%	76,235	+0.2%	$5.3M
SLYGSpdr Series Trust	0.8%	1.0%	48,194	-1.0%	$5.2M
IVVIshares Tr	0.8%	0.8%	6,019	-0.8%	$4.6M
VTVVanguard Index Fds	0.7%	0.7%	20,046	-0.3%	$4.3M
JHMMJohn Hancock Exchange Traded	0.7%	0.7%	59,701	+1.5%	$4.3M
NVDANvidia Corporation	0.7%	0.6%	18,366	+2.8%	$4.2M
FNOVFirst Tr Exchng Traded Fd Vi	0.6%	0.6%	57,281	-0.1%	$3.4M
CGXUCapital Group Intl Focus Eqt	0.5%	0.5%	95,610	+10.8%	$3.3M
DFAUDimensional ETF Trust	0.5%	0.5%	59,660	-0.5%	$3.1M
DFAIDimensional ETF Trust	0.5%	0.5%	71,544	-6.3%	$3.0M
FNDESchwab Strategic Tr	0.4%	0.4%	61,779	+1.1%	$2.6M
IVVBBlackrock ETF Trust II	0.4%	0.4%	73,042	+0.8%	$2.6M
MSFTMicrosoft Corp	0.4%	—	4,847	—	$2.5M

What ERn Financial, LLC bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +16.2% /yr; S&P 500 +20.1%
3 years: +14.3% /yr; S&P 500 +20.4%
5 years: +6.0% /yr; S&P 500 +11.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$613.2M	163
Q2 2026	$604.3M	161
Q1 2026	$531.8M	150
Q4 2025	$531.9M	146
Q3 2025	$506.5M	140
Q2 2025	$474.0M	145
Q1 2025	$632.9M	180
Q4 2024	$666.5M	190
Q3 2024	$657.3M	187
Q2 2024	$602.8M	177
Q1 2024	$576.5M	173
Q4 2023	$528.6M	166

Questions about ERn Financial, LLC's portfolio

What stocks does ERn Financial, LLC own?

ERn Financial, LLC's latest 13F, for Q3 2026 and filed Oct 28, 2026, lists 163 positions worth $613.2M. The largest are State Street Spdr Portfolio S&p 500 Grow (SPYG) at 7.9%, State Street Spdr Portfolio S&p 500 Valu (SPYV) at 7.1%, Spdr Index Shs Fds (SPDW) at 5.4%, Ishares Tr (IEFA) at 3.4% and Victoryshares Short (USTB) at 3.0%.

What did ERn Financial, LLC buy last quarter?

In Q3 2026, ERn Financial, LLC added American Centy ETF Tr (FDG) (+56.2% shares), Spdr Series Trust (SPAB) (+20.6% shares) and Capital Group Intl Focus Eqt (CGXU) (+10.8% shares), compared with its Q2 2026 filing.

What did ERn Financial, LLC sell last quarter?

In Q3 2026, ERn Financial, LLC cut from its top 50 Vanguard Index Fds (VOT) and Dimensional ETF Trust (DFAI) (-6.3% shares), compared with its Q2 2026 filing.

How has ERn Financial, LLC's portfolio performed?

A portfolio copying ERn Financial, LLC's 20 largest 13F holdings each quarter, from the day each filing was public, returned +14.3% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +16.2% against +20.1%. Over 5 years: +6.0% a year against +11.6%.

When is ERn Financial, LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. ERn Financial, LLC's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does ERn Financial, LLC manage?

ERn Financial, LLC reported $1.2B of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $613.2M.