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EFL

ERn Financial LLC Portfolio holdings

AUM $604M
1-Year Est. Return 19.83%
This Fund
S&P 500
This Quarter Est. Return
+6.07%
1 Year Est. Return
+19.83%
3 Year Est. Return
+55.85%
5 Year Est. Return
+51.28%
10 Year Est. Return
–
AUM
$506M
AUM Growth
+$32.5M
Cap. Flow
+$4.52M
Cap. Flow %
0.89%
Top 10 Hldgs %
40.39%
Holding
152
New
7
Increased
59
Reduced
67
Closed
12

Top Buys

Rank Stock Value
1
SPYV icon
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
+$3.49M
2
JHML icon
John Hancock Multifactor Large Cap ETF
JHML
+$2.14M
3
SPAB icon
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
+$1.92M
4
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
+$1.9M
5
DFCF icon
Dimensional Core Fixed Income ETF
DFCF
+$1.48M

Top Sells

Rank Stock Value
1
SPEM icon
State Street SPDR Portfolio Emerging Markets ETF
SPEM
+$1.86M
2
USRT icon
iShares Core US REIT ETF
USRT
+$1.84M
3
HTAB icon
Hartford Schroders Tax-Aware Bond ETF
HTAB
+$1.5M
4
DE icon
Deere & Co
DE
+$1.04M
5
MDYV icon
State Street SPDR S&P 400 Mid Cap Value ETF
MDYV
+$759K

Sector Composition

Rank Sector Weight
1 Technology 3.39%
2 Financials 0.78%
3 Communication Services 0.63%
4 Consumer Discretionary 0.63%
5 Healthcare 0.44%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
SPYG icon
1
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
$51.7B
$41.9M 8.28%
401,200
+6,031
+2% +$601K
SPYV icon
2
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36.1B
$35.7M 7.04%
644,527
+64,828
+11% +$3.49M
SPDW icon
3
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$40.2B
$29M 5.73%
678,050
+10,168
+2% +$421K
MDYV icon
4
State Street SPDR S&P 400 Mid Cap Value ETF
MDYV
$2.76B
$15.6M 3.09%
187,625
-9,215
-5% -$759K
OMFL icon
5
Invesco Russell 1000 Dynamic Multifactor ETF
OMFL
$4.75B
$15.6M 3.08%
258,752
-5,308
-2% -$312K
USTB icon
6
Victory Portfolios II VictoryShares Short-Term Bond ETF
USTB
$2.29B
$15.3M 3.03%
301,014
+19,442
+7% +$988K
IEFA icon
7
iShares Core MSCI EAFE ETF
IEFA
$190B
$15.3M 3.02%
175,090
+8,038
+5% +$683K
SPEM icon
8
State Street SPDR Portfolio Emerging Markets ETF
SPEM
$17.2B
$12.8M 2.53%
273,314
-41,923
-13% -$1.86M
AVEM icon
9
Avantis Emerging Markets Equity ETF
AVEM
$25.4B
$12.3M 2.42%
163,467
-9,434
-5% -$674K
QUAL icon
10
iShares MSCI USA Quality Factor ETF
QUAL
$46.4B
$11M 2.17%
56,550
-799
-1% -$150K
VUG icon
11
Vanguard Morningstar Growth ETF
VUG
$220B
$10.8M 2.13%
134,928
+300
+0.2% +$22.9K
PYLD icon
12
PIMCO Multi Sector Bond Active ETF
PYLD
$15B
$10.7M 2.11%
398,195
+49,612
+14% +$1.32M
REET icon
13
iShares Global REIT ETF
REET
$5.09B
$10.5M 2.06%
409,148
-3,209
-0.8% -$80.5K
DFAX icon
14
Dimensional World ex US Core Equity 2 ETF
DFAX
$11.9B
$10.1M 2%
322,197
-8,544
-3% -$259K
DFCF icon
15
Dimensional Core Fixed Income ETF
DFCF
$10.8B
$10M 1.98%
234,263
+34,971
+18% +$1.48M
JHML icon
16
John Hancock Multifactor Large Cap ETF
JHML
$1.17B
$9.21M 1.82%
117,486
+28,218
+32% +$2.14M
MDYG icon
17
State Street SPDR S&P 400 Mid Cap Growth ETF
MDYG
$2.8B
$8.4M 1.66%
91,691
-5,094
-5% -$458K
SPAB icon
18
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
$9.76B
$8.24M 1.63%
318,924
+74,825
+31% +$1.92M
SPIP icon
19
State Street SPDR Portfolio TIPS ETF
SPIP
$1.01B
$8.17M 1.61%
310,399
+49,204
+19% +$1.29M
HMOP icon
20
Hartford Municipal Opportunities ETF
HMOP
$777M
$8.14M 1.61%
208,833
+3,711
+2% +$143K
FMB icon
21
First Trust Managed Municipal ETF
FMB
$2.04B
$7.58M 1.5%
149,560
+728
+0.5% +$36.4K
SPYM
22
State Street SPDR Portfolio S&P 500 ETF
SPYM
$161B
$7.5M 1.48%
95,785
+25,251
+36% +$1.9M
USRT icon
23
iShares Core US REIT ETF
USRT
$4.62B
$7.43M 1.47%
126,521
-31,999
-20% -$1.84M
VONG icon
24
Vanguard Russell 1000 Growth ETF
VONG
$42.8B
$7.18M 1.42%
59,588
-3,210
-5% -$368K
FDG icon
25
American Century Focused Dynamic Growth ETF
FDG
$396M
$7.02M 1.39%
58,313
+2,787
+5% +$320K
1
2 3 4 5

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ERn Financial LLC's Q3 2025 Portfolio in Review

As of Q3 2025, ERn Financial LLC held 152 positions worth $506M, up 6.8% from $474M the previous quarter. Its ten largest holdings account for 40% of the portfolio.

ERn Financial LLC's Q3 2025 filing shows 7 new, 59 increased, 67 reduced and 12 closed positions. Its largest new stake was FT Vest US Equity Buffer ETF August: 20,167 shares worth $1.05M. The largest sale was State Street SPDR Portfolio Emerging Markets ETF, an estimated $1.86M.

By sector, the portfolio is most concentrated in Technology at 3.4% of assets, down from 3.6% a quarter earlier, followed by Financials and Communication Services.

  • ERn Financial LLC's largest Q3 2025 buy was FT Vest US Equity Buffer ETF August: 20,167 shares worth $1.05M.
  • ERn Financial LLC added most to State Street SPDR Portfolio S&P 500 Value ETF in Q3 2025, an estimated $3.49M increase.
  • ERn Financial LLC's biggest Q3 2025 reduction was State Street SPDR Portfolio Emerging Markets ETF, cutting an estimated $1.86M.
  • ERn Financial LLC fully exited Hartford Schroders Tax-Aware Bond ETF in Q3 2025, selling an estimated $1.5M.
  • ERn Financial LLC's ten largest holdings make up 40% of its $506M portfolio in Q3 2025.
  • ERn Financial LLC opened 7 new positions and closed 12 in Q3 2025.
  • ERn Financial LLC's portfolio value rose 6.8% quarter-over-quarter to $506M.

Based on ERn Financial LLC's 13F filing for Q3 2025, filed 30 Oct 2025.