Q3 2026 13F · SEC CIK 1965229

Sensible Money, LLC

Wealth managerFiled 2026-10-20 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $388.8M
Reported positions: 105
Holdings vs S&P 500, 3 yrs: —
Assets under management: $742.5M

Sensible Money, LLC is a wealth manager that reported 105 positions worth $388.8M in its Q3 2026 13F, filed 2026-10-20. Its largest holdings were Dimensional ETF Trust (DFAC, 26.8%), Dimensional ETF Trust (DFAT, 19.6%), Dimensional ETF Trust (DFEV, 8.5%).

Sensible Money, LLC holdings largest 50 of 105 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.

Sensible Money, LLC 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
DFACDimensional ETF Trust	26.8%	26.1%	2,344,144	+5.5%	$104.2M
DFATDimensional ETF Trust	19.6%	20.2%	1,145,671	+5.0%	$76.1M
DFEVDimensional ETF Trust	8.5%	8.5%	778,155	+4.0%	$33.0M
DFICDimensional ETF Trust	8.2%	7.5%	851,822	+12.0%	$32.0M
DFEMDimensional ETF Trust	8.0%	8.1%	787,359	+4.8%	$31.3M
DFAXDimensional ETF Trust	6.2%	6.6%	655,663	-2.9%	$24.3M
DISVDimensional ETF Trust	3.6%	3.4%	320,954	+0.4%	$13.9M
AAPLApple Inc	1.2%	1.1%	13,740	-1.8%	$4.6M
SCHASchwab Strategic Tr	1.1%	1.2%	126,150	-0.6%	$4.1M
FNDESchwab Strategic Tr	0.9%	0.9%	83,568	-0.8%	$3.5M
DFUSDimensional ETF Trust	0.7%	0.6%	34,254	+15.3%	$2.8M
VTIVanguard Index Fds	0.6%	0.8%	6,430	-20.5%	$2.4M
FCXFreeport Mcmoran Inc	0.6%	0.6%	32,055	-16.5%	$2.2M
SPYState Str Spdr S&p 500 ETF T	0.5%	0.6%	2,674	-6.1%	$2.0M
SLYVSpdr Series Trust	0.5%	0.6%	19,602	-1.0%	$2.0M
IVVIshares Tr	0.5%	0.5%	2,505	+3.6%	$1.9M
IEMGIshares Inc	0.5%	0.5%	22,102	-1.4%	$1.8M
VEAVanguard Ftse Developed Markets Index Fu	0.4%	0.6%	24,593	-16.0%	$1.7M
IWVIshares Tr	0.4%	0.4%	3,729	+0.0%	$1.6M
GOOGLAlphabet Inc	0.4%	0.4%	4,425	-6.6%	$1.5M
QTECFirst Tr Exchange-Traded Fd	0.4%	0.4%	4,266	+0.0%	$1.4M
VOOVanguard Index Fds	0.4%	0.4%	1,971	+0.0%	$1.4M
MSFTMicrosoft Corp	0.3%	0.2%	2,632	+8.8%	$1.3M
AVEMAmerican Centy ETF Tr	0.3%	0.3%	11,500	+14.5%	$1.1M
AVESAmerican Centy ETF Tr	0.3%	0.3%	16,344	+0.0%	$1.1M
BSCSInvesco Exch Trd Slf Idx Fd	0.3%	0.2%	48,387	+8.7%	$974K
GOOGAlphabet Inc	0.2%	0.3%	2,783	-5.2%	$948K
BRK-BBerkshire Hathaway Inc Del	0.2%	0.2%	1,842	-0.3%	$917K
SPLGSpdr Series Trust	0.2%	0.2%	9,954	+4.6%	$894K
IYWIshares Tr	0.2%	0.2%	3,225	+0.8%	$854K
USMVIshares Tr	0.2%	0.2%	8,653	+0.0%	$843K
AMZNAmazon Com Inc	0.2%	0.2%	3,308	-3.3%	$824K
RSPHInvesco Exchange Traded Fd T	0.2%	0.2%	21,559	-1.2%	$798K
RWJInvesco Exch Traded Fd Tr II	0.2%	0.2%	13,809	+2.4%	$776K
NVDANvidia Corporation	0.2%	0.2%	3,346	-14.8%	$764K
SCHDSchwab Strategic Tr	0.2%	—	23,276	—	$757K
DFAWDimensional ETF Trust	0.2%	0.2%	8,847	+2.6%	$728K
JPMJpmorgan Chase & Co	0.2%	0.2%	2,041	+0.0%	$675K
QQQMInvesco Exch Traded Fd Tr II	0.2%	0.2%	2,107	+1.8%	$642K
BSCRInvesco Exch Trd Slf Idx Fd	0.2%	0.1%	31,456	+15.3%	$615K
IJRIshares Tr	0.2%	0.3%	4,484	-40.1%	$610K
DFLVDimensional ETF Trust	0.2%	0.2%	14,869	+0.3%	$597K
BSCUInvesco Exch Trd Slf Idx Fd	0.1%	0.1%	35,945	+13.2%	$580K
SGOVIshares Tr	0.1%	—	5,739	—	$578K
QQQInvesco Qqq Tr	0.1%	0.2%	774	-2.4%	$573K
PDNInvesco Exch Traded Fd Tr II	0.1%	0.1%	12,413	+0.2%	$570K
PKWInvesco Exchange Traded Fd T	0.1%	0.1%	3,982	+0.0%	$570K
MOATVaneck Morningstar Wide Moat ETF	0.1%	—	5,236	—	$553K
BSCTInvesco Exch Trd Slf Idx Fd	0.1%	—	30,225	—	$550K
IEFAIshares Tr	0.1%	0.1%	5,607	+1.4%	$543K

What Sensible Money, LLC bought and sold in Q3 2026, against Q2 2026.

New positions

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

Added to

BSCR Invesco Exch Trd Slf Idx Fd+15.3% shares
DFUS Dimensional ETF Trust+15.3% shares
AVEM American Centy ETF Tr+14.5% shares
BSCU Invesco Exch Trd Slf Idx Fd+13.2% shares
DFIC Dimensional ETF Trust+12.0% shares
MSFT Microsoft Corp+8.8% shares
BSCS Invesco Exch Trd Slf Idx Fd+8.7% shares
DFAC Dimensional ETF Trust+5.5% shares

Reduced

IJR Ishares Tr-40.1% shares
VTI Vanguard Index Fds-20.5% shares
FCX Freeport Mcmoran Inc-16.5% shares
VEA Vanguard Ftse Developed Markets Index Fu-16.0% shares
NVDA Nvidia Corporation-14.8% shares
GOOGL Alphabet Inc-6.6% shares
SPY State Str Spdr S&p 500 ETF T-6.1% shares
GOOG Alphabet Inc-5.2% shares

Left the top 50

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: +27.1% /yr; S&P 500 +20.1%
3 years: —
5 years: —

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	$388.8M	105
Q2 2026	$377.1M	101
Q1 2026	$328.7M	86
Q4 2025	$313.1M	86
Q3 2025	$294.2M	88
Q2 2025	$263.8M	87
Q1 2025	$233.4M	83
Q4 2024	$228.1M	82
Q3 2024	$228.9M	86
Q2 2024	$205.1M	82
Q1 2024	$186.0M	82
Q4 2023	$166.5M	76

Questions about Sensible Money, LLC's portfolio

What stocks does Sensible Money, LLC own?

Sensible Money, LLC's latest 13F, for Q3 2026 and filed Oct 20, 2026, lists 105 positions worth $388.8M. The largest are Dimensional ETF Trust (DFAC) at 26.8%, Dimensional ETF Trust (DFAT) at 19.6%, Dimensional ETF Trust (DFEV) at 8.5%, Dimensional ETF Trust (DFIC) at 8.2% and Dimensional ETF Trust (DFEM) at 8.0%.

What did Sensible Money, LLC buy last quarter?

In Q3 2026, Sensible Money, LLC added Invesco Exch Trd Slf Idx Fd (BSCR) (+15.3% shares), Dimensional ETF Trust (DFUS) (+15.3% shares) and American Centy ETF Tr (AVEM) (+14.5% shares), compared with its Q2 2026 filing.

What did Sensible Money, LLC sell last quarter?

In Q3 2026, Sensible Money, LLC cut from its top 50 Wisdomtree Tr (EZM), cut from its top 50 Schwab Strategic Tr (FNDC), cut from its top 50 Vanguard Index Fds (VBK), cut from its top 50 Ishares Tr (LQD), Ishares Tr (IJR) (-40.1% shares), Vanguard Index Fds (VTI) (-20.5% shares) and Freeport Mcmoran Inc (FCX) (-16.5% shares), compared with its Q2 2026 filing.

When is Sensible Money, LLC's next 13F filing due?

13F filings are due 45 days after each quarter ends. Sensible Money, 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 Sensible Money, LLC manage?

Sensible Money, LLC reported $742.5M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $388.8M.