ERn Financial, LLC Q4 2025 Filing

Filed January 15, 2026

Portfolio Value

$531.9M

Holdings

146

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (146 positions)

#StockSharesValue% PortfolioType
1
SPYGSPDR SERIES TRUST
380,325$40.6M7.63%
2
SPYVSPDR SERIES TRUST
676,263$38.4M7.22%
3
SPDWSPDR INDEX SHS FDS
684,153$30.4M5.71%
4
AQLTISHARES TR
197,956$17.7M3.33%
5
USTBVICTORY PORTFOLIOS II
315,306$16.0M3.01%
6
MDYVSPDR SERIES TRUST
175,750$14.9M2.80%
7
AVEMAMERICAN CENTY ETF TR
167,024$12.9M2.42%
8
SPEMSPDR INDEX SHS FDS
270,813$12.7M2.38%
9
PYLDPIMCO ETF TR
438,407$11.7M2.20%
10
QUALISHARES TR
56,958$11.3M2.13%
11
VUGVANGUARD INDEX FDS
22,224$10.8M2.04%
12
DFAXDIMENSIONAL ETF TRUST
324,812$10.6M2.00%
13
DFCFDIMENSIONAL ETF TRUST
249,044$10.6M1.99%
14
REETISHARES TR
421,282$10.5M1.98%
15
JHMLJOHN HANCOCK EXCHANGE TRADED
131,506$10.5M1.97%
16
OMFLINVESCO EXCH TRD SLF IDX FD
167,428$10.2M1.92%
17
SPABSPDR SERIES TRUST
352,597$9.1M1.71%
18
SPIPSPDR SERIES TRUST
345,832$9.0M1.69%
19
MDYGSPDR SERIES TRUST
92,965$8.6M1.62%
20
HEMIHARTFORD FDS EXCHANGE TRADED
208,888$8.2M1.54%
21
FDGAMERICAN CENTY ETF TR
64,111$8.1M1.53%
22
FMBFIRST TR EXCH TRADED FD III
158,806$8.1M1.53%
23
SPYMSPDR SERIES TRUST
97,067$7.8M1.46%
24
USRTISHARES TR
128,841$7.3M1.38%
25
VONGVANGUARD SCOTTSDALE FDS
59,310$7.2M1.36%
26
EFAISHARES TR
74,021$7.1M1.34%
27
MUNIPIMCO ETF TR
130,377$6.8M1.28%
28
VOOVANGUARD INDEX FDS
10,765$6.8M1.27%
29
JOYTJ P MORGAN EXCHANGE TRADED F
73,977$6.7M1.25%
30
AVUVAMERICAN CENTY ETF TR
62,891$6.4M1.21%
31
PVALPUTNAM ETF TRUST
139,276$6.3M1.19%
32
FIXDFIRST TR EXCHNG TRADED FD VI
136,125$6.0M1.13%
33
IJRISHARES TR
44,993$5.4M1.02%
34
JBNDJ P MORGAN EXCHANGE TRADED F
90,866$4.9M0.92%
35
AAPLAPPLE INC
17,507$4.8M0.89%
36
SLYGSPDR SERIES TRUST
50,375$4.7M0.89%
37
DYNFBLACKROCK ETF TRUST
77,151$4.7M0.88%
38
JMSTJ P MORGAN EXCHANGE TRADED F
91,152$4.6M0.87%
39
DFAIDIMENSIONAL ETF TRUST
111,151$4.2M0.80%
40
IVVISHARES TR
6,121$4.2M0.79%
41
VTVVANGUARD INDEX FDS
20,105$3.8M0.72%
42
JHMMJOHN HANCOCK EXCHANGE TRADED
58,329$3.8M0.72%
43
RAAXVANECK ETF TRUST
98,341$3.4M0.65%
44
FNOVFIRST TR EXCHNG TRADED FD VI
57,388$3.1M0.59%
45
DFAUDIMENSIONAL ETF TRUST
62,074$2.9M0.55%
46
FVDFIRST TR EXCHANGE-TRADED FD
61,707$2.8M0.53%
47
NVDANVIDIA CORPORATION
14,727$2.7M0.52%
48
IJHISHARES TR
36,408$2.4M0.45%
49
VOTVANGUARD INDEX FDS
8,468$2.4M0.44%
50
VOVANGUARD INDEX FDS
8,042$2.3M0.44%
51
FSEPFIRST TR EXCHNG TRADED FD VI
44,926$2.3M0.44%
52
FICOFAIR ISAAC CORP
1,367$2.3M0.43%
53
MSFTMICROSOFT CORP
4,693$2.3M0.43%
54
IVVBBLACKROCK ETF TRUST II
68,573$2.3M0.43%
55
FNDESCHWAB STRATEGIC TR
62,275$2.2M0.42%
56
COWZPACER FDS TR
32,936$2.0M0.37%
57
CGXUCAPITAL GROUP INTL FOCUS EQT
64,220$1.9M0.36%
58
FTCSFIRST TR EXCHANGE-TRADED FD
19,961$1.8M0.35%
59
NDQINVESCO QQQ TR
2,960$1.8M0.34%
60
DFISDIMENSIONAL ETF TRUST
52,995$1.7M0.33%
61
VEAVANGUARD TAX-MANAGED FDS
27,743$1.7M0.33%
62
SPHQINVESCO EXCHANGE TRADED FD T
22,602$1.7M0.32%
63
SLYVSPDR SERIES TRUST
16,754$1.5M0.29%
64
SPYSPDR S&P 500 ETF TR
2,107$1.4M0.27%
65
IAU*ISHARES GOLD TR
17,673$1.4M0.27%
66
EEMISHARES TR
25,390$1.4M0.26%
67
ORCLORACLE CORP
7,078$1.4M0.26%
68
FDVVFIDELITY COVINGTON TRUST
23,409$1.3M0.25%
69
EMXCISHARES INC
17,982$1.3M0.25%
70
VIGVANGUARD SPECIALIZED FUNDS
5,670$1.2M0.23%
71
AMZNAMAZON COM INC
5,151$1.2M0.22%
72
DEMWISDOMTREE TR
25,222$1.2M0.22%
73
MTUMISHARES TR
4,633$1.2M0.22%
74
TSLATESLA INC
2,558$1.1M0.22%
75
DFACDIMENSIONAL ETF TRUST
27,877$1.1M0.21%
76
JEPIJ P MORGAN EXCHANGE TRADED F
18,994$1.1M0.20%
77
FAUGFIRST TR EXCHNG TRADED FD VI
19,708$1.0M0.20%
78
ESGUISHARES TR
6,983$1.0M0.20%
79
VBKVANGUARD INDEX FDS
3,410$1.0M0.19%
80
METAMETA PLATFORMS INC
1,475$973K0.18%
81
ESGDISHARES TR
10,142$964K0.18%
82
CACCCREDIT ACCEP CORP MICH
2,100$931K0.18%
83
GOOGLALPHABET INC
2,875$899K0.17%
84
IUSVISHARES TR
8,705$892K0.17%
85
TAXFAMERICAN CENTY ETF TR
15,900$801K0.15%
86
BRK/BBERKSHIRE HATHAWAY INC DEL
1,588$798K0.15%
87
GOOGALPHABET INC
2,499$784K0.15%
88
SPMDSPDR SERIES TRUST
12,940$749K0.14%
89
XOMEXXON MOBIL CORP
6,194$745K0.14%
90
VTIVANGUARD INDEX FDS
1,974$661K0.12%
91
EXASEXACT SCIENCES CORP
6,479$658K0.12%
92
LLYELI LILLY & CO
608$653K0.12%
93
AVGOBROADCOM INC
1,886$652K0.12%
94
AVEEAMERICAN CENTY ETF TR
10,189$635K0.12%
95
VOEVANGUARD INDEX FDS
3,532$626K0.12%
96
ANETARISTA NETWORKS INC
4,644$608K0.11%
97
VBRVANGUARD INDEX FDS
2,782$589K0.11%
98
OMFSINVESCO EXCH TRD SLF IDX FD
12,605$560K0.11%
99
SCHXSCHWAB STRATEGIC TR
20,124$541K0.10%
100
SHOPSHOPIFY INC
3,290$529K0.10%
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