EFL

ERn Financial LLC Portfolio holdings

AUM $474M

This Quarter Return

-1.44%

1 Year Return

+13.19%

3 Year Return

+47.79%

5 Year Return

+68.55%

10 Year Return

–

AUM

$633M

AUM Growth

-$33.6M (-5%)

Cap. Flow

-$19.1M

Cap. Flow % of AUM

-3.01%

Top 10 Holdings %Top 10 Hldgs %

38.55%

Holding

195

New

Increased

Reduced

110

Closed

Top Buys

1	Vanguard FTSE Developed Markets ETF VEA	$1.96M
2	Pinnacle West Capital PNW	$1.54M
3	Invesco S&P 500 Quality ETF SPHQ	$1.41M
4	JPMorgan Core Plus Bond ETF JCPB	$1.4M
5	SPDR Portfolio Developed World ex-US ETF SPDW	$1.05M

Top Sells

1	Vanguard S&P 500 Growth ETF VOOG	$5.79M
2	Axon Enterprise AXON	$3.18M
3	First Trust Cloud Computing ETF SKYY	$2.21M
4	Apple AAPL	$1.91M
5	VanEck Semiconductor ETF SMH	$1.75M

Sector Composition

1	Technology	4.67%
2	Financials	2.06%
3	Consumer Discretionary	1.58%
4	Communication Services	1.23%
5	Healthcare	1.18%

#	Name	Market Value	Portfolio Weight	Shares or Principal	Shares Change %	Capital Flow
76	76 UnitedHealth UNH $278B	$1.38M	0.22%	2,632 -181	-6%	-$94.8K
77	77 Fidelity Total Bond ETF FBND $20.3B	$1.32M	0.21%	28,836 +6,089	+27%	+$278K
78	78 SPDR S&P 500 ETF Trust SPY $659B	$1.27M	0.2%	2,278 +304	+15%	+$170K
79	79 Dimensional International Small Cap ETF DFIS $3.77B	$1.27M	0.2%	48,984 +1,693	+4%	+$43.7K
80	80 JPMorgan Equity Premium Income ETF JEPI $41.4B	$1.26M	0.2%	22,084 +633	+3%	+$36.2K
81	81 Eli Lilly LLY $638B	$1.25M	0.2%	1,513 -13	-0.9%	-$10.7K
82	82 Johnson & Johnson JNJ $432B	$1.24M	0.2%	7,453 -252	-3%	-$41.8K
83	83 Union Pacific UNP $135B	$1.2M	0.19%	5,089 -96	-2%	-$22.7K
84	84 First Trust RiverFront Dynamic Developed International ETF RFDI $129M	$1.2M	0.19%	18,055 +3,558	+25%	+$237K
85	85 Home Depot HD $411B	$1.13M	0.18%	3,076 -359	-10%	-$132K
86	86 Vanguard Dividend Appreciation ETF VIG $95.6B	$1.11M	0.18%	5,742 -282	-5%	-$54.7K
87	87 Chevron CVX $319B	$1.1M	0.17%	6,595 -143	-2%	-$23.9K
88	88 Credit Acceptance CACC $5.69B	$1.08M	0.17%	2,100	–	–
89	89 Netflix NFLX $512B	$1.08M	0.17%	1,161 -46	-4%	-$42.9K
90	90 Capital Group International Focus Equity ETF CGXU $3.92B	$1.03M	0.16%	42,025 +11,645	+38%	+$285K
91	91 Broadcom AVGO $1.38T	$1.02M	0.16%	6,095 -232	-4%	-$38.8K
92	92 iShares MSCI Emerging Markets ex China ETF EMXC $13B	$1M	0.16%	18,165 +77	+0.4%	+$4.24K
93	93 Stryker SYK $151B	$992K	0.16%	2,665 -1,319	-33%	-$491K
94	94 Honeywell HON $141B	$987K	0.16%	4,661 -833	-15%	-$176K
95	95 Dimensional US Core Equity 2 ETF DFAC $37.1B	$986K	0.16%	29,878	–	–
96	96 WisdomTree Emerging Markets High Dividend Fund DEM $3.15B	$972K	0.15%	23,089 +1,186	+5%	+$49.9K
97	97 American Century Diversified Municipal Bond ETF TAXF $486M	$964K	0.15%	19,478 +5,835	+43%	+$289K
98	98 Accenture ACN $161B	$959K	0.15%	3,074 -167	-5%	-$52.1K
99	99 American Express AXP $222B	$941K	0.15%	3,498	–	–
100	100 iShares MSCI USA Momentum Factor ETF MTUM $18B	$940K	0.15%	4,652 -39	-0.8%	-$7.88K