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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
+1.76%
1 Year Est. Return
+19.83%
3 Year Est. Return
+55.85%
5 Year Est. Return
+51.28%
10 Year Est. Return
–
AUM
$532M
AUM Growth
+$25.4M
Cap. Flow
+$17.4M
Cap. Flow %
3.27%
Top 10 Hldgs %
38.84%
Holding
148
New
8
Increased
70
Reduced
57
Closed
2

Top Buys

Rank Stock Value
1
JTEK icon
JPMorgan US Tech Leaders ETF
JTEK
+$6.79M
2
RAAX icon
VanEck Inflation Allocation ETF
RAAX
+$3.45M
3
IEFA icon
iShares Core MSCI EAFE ETF
IEFA
+$2.02M
4
SPYV icon
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
+$1.78M
5
JHML icon
John Hancock Multifactor Large Cap ETF
JHML
+$1.11M

Top Sells

Rank Stock Value
1
OMFL icon
Invesco Russell 1000 Dynamic Multifactor ETF
OMFL
+$5.51M
2
SPYG icon
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
+$2.21M
3
MDYV icon
State Street SPDR S&P 400 Mid Cap Value ETF
MDYV
+$994K
4
EXAS
Exact Sciences
EXAS
+$349K
5
DFAI
Dimensional International Core Equity Market ETF
DFAI
+$246K

Sector Composition

Rank Sector Weight
1 Technology 3.28%
2 Financials 0.7%
3 Consumer Discretionary 0.63%
4 Communication Services 0.62%
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
$40.6M 7.63%
380,325
-20,875
-5% -$2.21M
SPYV icon
2
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36.1B
$38.4M 7.22%
676,263
+31,736
+5% +$1.78M
SPDW icon
3
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$40.2B
$30.4M 5.71%
684,153
+6,103
+0.9% +$267K
IEFA icon
4
iShares Core MSCI EAFE ETF
IEFA
$190B
$17.7M 3.33%
197,956
+22,866
+13% +$2.02M
USTB icon
5
Victory Portfolios II VictoryShares Short-Term Bond ETF
USTB
$2.29B
$16M 3.01%
315,306
+14,292
+5% +$727K
MDYV icon
6
State Street SPDR S&P 400 Mid Cap Value ETF
MDYV
$2.76B
$14.9M 2.8%
175,750
-11,875
-6% -$994K
AVEM icon
7
Avantis Emerging Markets Equity ETF
AVEM
$25.4B
$12.9M 2.42%
167,024
+3,557
+2% +$272K
SPEM icon
8
State Street SPDR Portfolio Emerging Markets ETF
SPEM
$17.2B
$12.7M 2.38%
270,813
-2,501
-0.9% -$118K
PYLD icon
9
PIMCO Multi Sector Bond Active ETF
PYLD
$15B
$11.7M 2.2%
438,407
+40,212
+10% +$1.08M
QUAL icon
10
iShares MSCI USA Quality Factor ETF
QUAL
$46.4B
$11.3M 2.13%
56,958
+408
+0.7% +$80.2K
VUG icon
11
Vanguard Morningstar Growth ETF
VUG
$220B
$10.8M 2.04%
133,344
-1,584
-1% -$129K
DFAX icon
12
Dimensional World ex US Core Equity 2 ETF
DFAX
$11.9B
$10.6M 2%
324,812
+2,615
+0.8% +$83.4K
DFCF icon
13
Dimensional Core Fixed Income ETF
DFCF
$10.8B
$10.6M 1.99%
249,044
+14,781
+6% +$633K
REET icon
14
iShares Global REIT ETF
REET
$5.09B
$10.5M 1.98%
421,282
+12,134
+3% +$307K
JHML icon
15
John Hancock Multifactor Large Cap ETF
JHML
$1.17B
$10.5M 1.97%
131,506
+14,020
+12% +$1.11M
OMFL icon
16
Invesco Russell 1000 Dynamic Multifactor ETF
OMFL
$4.75B
$10.2M 1.92%
167,428
-91,324
-35% -$5.51M
SPAB icon
17
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
$9.76B
$9.08M 1.71%
352,597
+33,673
+11% +$871K
SPIP icon
18
State Street SPDR Portfolio TIPS ETF
SPIP
$1.01B
$8.97M 1.69%
345,832
+35,433
+11% +$929K
MDYG icon
19
State Street SPDR S&P 400 Mid Cap Growth ETF
MDYG
$2.8B
$8.59M 1.62%
92,965
+1,274
+1% +$117K
HMOP icon
20
Hartford Municipal Opportunities ETF
HMOP
$777M
$8.17M 1.54%
208,888
+55
+0% +$2.15K
FDG icon
21
American Century Focused Dynamic Growth ETF
FDG
$396M
$8.13M 1.53%
64,111
+5,798
+10% +$722K
FMB icon
22
First Trust Managed Municipal ETF
FMB
$2.04B
$8.12M 1.53%
158,806
+9,246
+6% +$473K
SPYM
23
State Street SPDR Portfolio S&P 500 ETF
SPYM
$161B
$7.79M 1.46%
97,067
+1,282
+1% +$102K
USRT icon
24
iShares Core US REIT ETF
USRT
$4.62B
$7.34M 1.38%
128,841
+2,320
+2% +$134K
VONG icon
25
Vanguard Russell 1000 Growth ETF
VONG
$42.8B
$7.22M 1.36%
59,310
-278
-0.5% -$33.9K
1
2 3 4 5

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ERn Financial LLC's Q4 2025 Portfolio in Review

As of Q4 2025, ERn Financial LLC held 148 positions worth $532M, up 5% from $506M the previous quarter. Its ten largest holdings account for 39% of the portfolio.

ERn Financial LLC deployed $17.4M of net new capital in Q4 2025, opening 8 new positions and adding to 70 existing holdings. Its largest new stake was JPMorgan US Tech Leaders ETF: 73,977 shares worth $6.66M.

By sector, the portfolio is most concentrated in Technology at 3.3% of assets, down from 3.4% a quarter earlier, followed by Financials and Consumer Discretionary.

On the sell side, the largest reduction was Invesco Russell 1000 Dynamic Multifactor ETF, an estimated $5.51M trimmed.

  • ERn Financial LLC's largest Q4 2025 buy was JPMorgan US Tech Leaders ETF: 73,977 shares worth $6.66M.
  • ERn Financial LLC added most to iShares Core MSCI EAFE ETF in Q4 2025, an estimated $2.02M increase.
  • ERn Financial LLC's biggest Q4 2025 reduction was Invesco Russell 1000 Dynamic Multifactor ETF, cutting an estimated $5.51M.
  • ERn Financial LLC fully exited ServiceNow in Q4 2025, selling an estimated $226K.
  • ERn Financial LLC's ten largest holdings make up 39% of its $532M portfolio in Q4 2025.
  • ERn Financial LLC opened 8 new positions and closed 2 in Q4 2025.
  • ERn Financial LLC's portfolio value rose 5% quarter-over-quarter to $532M.

Based on ERn Financial LLC's 13F filing for Q4 2025, filed 15 Jan 2026.