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)

#	Stock	Shares	Value	% Portfolio
1	SPYGSPDR SERIES TRUST	380,325	$40.6M	7.63%
2	SPYVSPDR SERIES TRUST	676,263	$38.4M	7.22%
3	SPDWSPDR INDEX SHS FDS	684,153	$30.4M	5.71%
4	AQLTISHARES TR	197,956	$17.7M	3.33%
5	USTBVICTORY PORTFOLIOS II	315,306	$16.0M	3.01%
6	MDYVSPDR SERIES TRUST	175,750	$14.9M	2.80%
7	AVEMAMERICAN CENTY ETF TR	167,024	$12.9M	2.42%
8	SPEMSPDR INDEX SHS FDS	270,813	$12.7M	2.38%
9	PYLDPIMCO ETF TR	438,407	$11.7M	2.20%
10	QUALISHARES TR	56,958	$11.3M	2.13%
11	VUGVANGUARD INDEX FDS	22,224	$10.8M	2.04%
12	DFAXDIMENSIONAL ETF TRUST	324,812	$10.6M	2.00%
13	DFCFDIMENSIONAL ETF TRUST	249,044	$10.6M	1.99%
14	REETISHARES TR	421,282	$10.5M	1.98%
15	JHMLJOHN HANCOCK EXCHANGE TRADED	131,506	$10.5M	1.97%
16	OMFLINVESCO EXCH TRD SLF IDX FD	167,428	$10.2M	1.92%
17	SPABSPDR SERIES TRUST	352,597	$9.1M	1.71%
18	SPIPSPDR SERIES TRUST	345,832	$9.0M	1.69%
19	MDYGSPDR SERIES TRUST	92,965	$8.6M	1.62%
20	HEMIHARTFORD FDS EXCHANGE TRADED	208,888	$8.2M	1.54%
21	FDGAMERICAN CENTY ETF TR	64,111	$8.1M	1.53%
22	FMBFIRST TR EXCH TRADED FD III	158,806	$8.1M	1.53%
23	SPYMSPDR SERIES TRUST	97,067	$7.8M	1.46%
24	USRTISHARES TR	128,841	$7.3M	1.38%
25	VONGVANGUARD SCOTTSDALE FDS	59,310	$7.2M	1.36%
26	EFAISHARES TR	74,021	$7.1M	1.34%
27	MUNIPIMCO ETF TR	130,377	$6.8M	1.28%
28	VOOVANGUARD INDEX FDS	10,765	$6.8M	1.27%
29	JOYTJ P MORGAN EXCHANGE TRADED F	73,977	$6.7M	1.25%
30	AVUVAMERICAN CENTY ETF TR	62,891	$6.4M	1.21%
31	PVALPUTNAM ETF TRUST	139,276	$6.3M	1.19%
32	FIXDFIRST TR EXCHNG TRADED FD VI	136,125	$6.0M	1.13%
33	IJRISHARES TR	44,993	$5.4M	1.02%
34	JBNDJ P MORGAN EXCHANGE TRADED F	90,866	$4.9M	0.92%
35	AAPLAPPLE INC	17,507	$4.8M	0.89%
36	SLYGSPDR SERIES TRUST	50,375	$4.7M	0.89%
37	DYNFBLACKROCK ETF TRUST	77,151	$4.7M	0.88%
38	JMSTJ P MORGAN EXCHANGE TRADED F	91,152	$4.6M	0.87%
39	DFAIDIMENSIONAL ETF TRUST	111,151	$4.2M	0.80%
40	IVVISHARES TR	6,121	$4.2M	0.79%
41	VTVVANGUARD INDEX FDS	20,105	$3.8M	0.72%
42	JHMMJOHN HANCOCK EXCHANGE TRADED	58,329	$3.8M	0.72%
43	RAAXVANECK ETF TRUST	98,341	$3.4M	0.65%
44	FNOVFIRST TR EXCHNG TRADED FD VI	57,388	$3.1M	0.59%
45	DFAUDIMENSIONAL ETF TRUST	62,074	$2.9M	0.55%
46	FVDFIRST TR EXCHANGE-TRADED FD	61,707	$2.8M	0.53%
47	NVDANVIDIA CORPORATION	14,727	$2.7M	0.52%
48	IJHISHARES TR	36,408	$2.4M	0.45%
49	VOTVANGUARD INDEX FDS	8,468	$2.4M	0.44%
50	VOVANGUARD INDEX FDS	8,042	$2.3M	0.44%
51	FSEPFIRST TR EXCHNG TRADED FD VI	44,926	$2.3M	0.44%
52	FICOFAIR ISAAC CORP	1,367	$2.3M	0.43%
53	MSFTMICROSOFT CORP	4,693	$2.3M	0.43%
54	IVVBBLACKROCK ETF TRUST II	68,573	$2.3M	0.43%
55	FNDESCHWAB STRATEGIC TR	62,275	$2.2M	0.42%
56	COWZPACER FDS TR	32,936	$2.0M	0.37%
57	CGXUCAPITAL GROUP INTL FOCUS EQT	64,220	$1.9M	0.36%
58	FTCSFIRST TR EXCHANGE-TRADED FD	19,961	$1.8M	0.35%
59	NDQINVESCO QQQ TR	2,960	$1.8M	0.34%
60	DFISDIMENSIONAL ETF TRUST	52,995	$1.7M	0.33%
61	VEAVANGUARD TAX-MANAGED FDS	27,743	$1.7M	0.33%
62	SPHQINVESCO EXCHANGE TRADED FD T	22,602	$1.7M	0.32%
63	SLYVSPDR SERIES TRUST	16,754	$1.5M	0.29%
64	SPYSPDR S&P 500 ETF TR	2,107	$1.4M	0.27%
65	IAU*ISHARES GOLD TR	17,673	$1.4M	0.27%
66	EEMISHARES TR	25,390	$1.4M	0.26%
67	ORCLORACLE CORP	7,078	$1.4M	0.26%
68	FDVVFIDELITY COVINGTON TRUST	23,409	$1.3M	0.25%
69	EMXCISHARES INC	17,982	$1.3M	0.25%
70	VIGVANGUARD SPECIALIZED FUNDS	5,670	$1.2M	0.23%
71	AMZNAMAZON COM INC	5,151	$1.2M	0.22%
72	DEMWISDOMTREE TR	25,222	$1.2M	0.22%
73	MTUMISHARES TR	4,633	$1.2M	0.22%
74	TSLATESLA INC	2,558	$1.1M	0.22%
75	DFACDIMENSIONAL ETF TRUST	27,877	$1.1M	0.21%
76	JEPIJ P MORGAN EXCHANGE TRADED F	18,994	$1.1M	0.20%
77	FAUGFIRST TR EXCHNG TRADED FD VI	19,708	$1.0M	0.20%
78	ESGUISHARES TR	6,983	$1.0M	0.20%
79	VBKVANGUARD INDEX FDS	3,410	$1.0M	0.19%
80	METAMETA PLATFORMS INC	1,475	$973K	0.18%
81	ESGDISHARES TR	10,142	$964K	0.18%
82	CACCCREDIT ACCEP CORP MICH	2,100	$931K	0.18%
83	GOOGLALPHABET INC	2,875	$899K	0.17%
84	IUSVISHARES TR	8,705	$892K	0.17%
85	TAXFAMERICAN CENTY ETF TR	15,900	$801K	0.15%
86	BRK/BBERKSHIRE HATHAWAY INC DEL	1,588	$798K	0.15%
87	GOOGALPHABET INC	2,499	$784K	0.15%
88	SPMDSPDR SERIES TRUST	12,940	$749K	0.14%
89	XOMEXXON MOBIL CORP	6,194	$745K	0.14%
90	VTIVANGUARD INDEX FDS	1,974	$661K	0.12%
91	EXASEXACT SCIENCES CORP	6,479	$658K	0.12%
92	LLYELI LILLY & CO	608	$653K	0.12%
93	AVGOBROADCOM INC	1,886	$652K	0.12%
94	AVEEAMERICAN CENTY ETF TR	10,189	$635K	0.12%
95	VOEVANGUARD INDEX FDS	3,532	$626K	0.12%
96	ANETARISTA NETWORKS INC	4,644	$608K	0.11%
97	VBRVANGUARD INDEX FDS	2,782	$589K	0.11%
98	OMFSINVESCO EXCH TRD SLF IDX FD	12,605	$560K	0.11%
99	SCHXSCHWAB STRATEGIC TR	20,124	$541K	0.10%
100	SHOPSHOPIFY INC	3,290	$529K	0.10%

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