13F HOLDINGS REPORT

ERn Financial, LLC

Quarter ended Q3 2025 · Filed October 30, 2025 · Accession 0001768302-25-000007

Total Value

$506.5M

Positions

140

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (140)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SPDR SERIES TRUST	78464A409	401,200	$41.9M	8.28%
2	SPDR SERIES TRUST	78464A508	644,527	$35.7M	7.04%
3	SPDR INDEX SHS FDS	78463X889	678,050	$29.0M	5.73%
4	SPDR SERIES TRUST	78464A839	187,625	$15.6M	3.09%
5	INVESCO EXCH TRD SLF IDX FD	IVZ	258,752	$15.6M	3.08%
6	VICTORY PORTFOLIOS II	92647N535	301,014	$15.3M	3.03%
7	ISHARES TR	46432F842	175,090	$15.3M	3.02%
8	SPDR INDEX SHS FDS	78463X509	273,314	$12.8M	2.53%
9	AMERICAN CENTY ETF TR	025072604	163,467	$12.3M	2.42%
10	ISHARES TR	46432F339	56,550	$11.0M	2.17%
11	VANGUARD INDEX FDS	922908736	22,488	$10.8M	2.13%
12	PIMCO ETF TR	72201R585	398,195	$10.7M	2.11%
13	ISHARES TR	46434V647	409,148	$10.5M	2.06%
14	DIMENSIONAL ETF TRUST	25434V880	322,197	$10.1M	2.00%
15	DIMENSIONAL ETF TRUST	25434V872	234,263	$10.0M	1.98%
16	JOHN HANCOCK EXCHANGE TRADED	47804J107	117,486	$9.2M	1.82%
17	SPDR SERIES TRUST	78464A821	91,691	$8.4M	1.66%
18	SPDR SERIES TRUST	78464A649	318,924	$8.2M	1.63%
19	SPDR SERIES TRUST	78464A656	310,399	$8.2M	1.61%
20	HARTFORD FDS EXCHANGE TRADED	41653L503	208,833	$8.1M	1.61%
21	FIRST TR EXCH TRADED FD III	33739N108	149,560	$7.6M	1.50%
22	SPDR SERIES TRUST	78464A854	95,785	$7.5M	1.48%
23	ISHARES TR	464288521	126,521	$7.4M	1.47%
24	VANGUARD SCOTTSDALE FDS	92206C680	59,588	$7.2M	1.42%
25	AMERICAN CENTY ETF TR	025072810	58,313	$7.0M	1.39%
26	PIMCO ETF TR	72201R866	128,661	$6.7M	1.33%
27	ISHARES TR	464287465	71,256	$6.7M	1.31%
28	VANGUARD INDEX FDS	922908363	10,762	$6.6M	1.30%
29	AMERICAN CENTY ETF TR	025072877	62,640	$6.2M	1.23%
30	FIRST TR EXCHNG TRADED FD VI	33740F805	130,284	$5.8M	1.14%
31	PUTNAM ETF TRUST	746729300	131,875	$5.6M	1.11%
32	ISHARES TR	464287804	44,405	$5.3M	1.04%
33	SPDR SERIES TRUST	78464A201	51,299	$4.8M	0.96%
34	APPLE INC	AAPL	17,732	$4.5M	0.89%
35	J P MORGAN EXCHANGE TRADED F	46641Q654	87,431	$4.5M	0.88%
36	J P MORGAN EXCHANGE TRADED F	46654Q716	80,725	$4.4M	0.86%
37	BLACKROCK ETF TRUST	BLK	73,024	$4.3M	0.85%
38	DIMENSIONAL ETF TRUST	25434V203	117,801	$4.3M	0.85%
39	ISHARES TR	464287200	6,046	$4.0M	0.80%
40	VANGUARD INDEX FDS	922908744	20,200	$3.8M	0.74%
41	JOHN HANCOCK EXCHANGE TRADED	47804J206	54,467	$3.5M	0.70%
42	DIMENSIONAL ETF TRUST	25434V104	62,993	$2.9M	0.57%
43	FIRST TR EXCHNG TRADED FD VI	33740F847	53,557	$2.8M	0.56%
44	NVIDIA CORPORATION	NVDA	14,886	$2.8M	0.55%
45	FIRST TR EXCHANGE-TRADED FD	33734H106	56,292	$2.6M	0.51%
46	VANGUARD INDEX FDS	922908538	8,541	$2.5M	0.50%
47	MICROSOFT CORP	MSFT	4,697	$2.4M	0.48%
48	VANGUARD INDEX FDS	922908629	8,184	$2.4M	0.47%
49	ISHARES TR	464287507	36,067	$2.4M	0.46%
50	FIRST TR EXCHNG TRADED FD VI	33740U307	46,352	$2.3M	0.46%
51	SCHWAB STRATEGIC TR	808524730	59,350	$2.1M	0.42%
52	FAIR ISAAC CORP	FICO	1,368	$2.0M	0.40%
53	BLACKROCK ETF TRUST II	BLK	61,468	$2.0M	0.40%
54	ORACLE CORP	ORCL-PD	6,979	$2.0M	0.39%
55	PACER FDS TR	69374H881	33,866	$1.9M	0.38%
56	FIRST TR EXCHANGE-TRADED FD	33733E104	19,741	$1.8M	0.37%
57	VANGUARD TAX-MANAGED FDS	921943858	27,870	$1.7M	0.33%
58	INVESCO QQQ TR	IVZ	2,732	$1.6M	0.32%
59	CAPITAL GROUP INTL FOCUS EQT	14019W109	54,910	$1.6M	0.32%
60	DIMENSIONAL ETF TRUST	25434V773	51,042	$1.6M	0.32%
61	INVESCO EXCHANGE TRADED FD T	IVZ	20,690	$1.5M	0.30%
62	SPDR SERIES TRUST	78464A300	17,018	$1.5M	0.30%
63	SPDR S&P 500 ETF TR	SPY	2,122	$1.4M	0.28%
64	ISHARES TR	464287234	26,355	$1.4M	0.28%
65	ISHARES GOLD TR	IAU	17,102	$1.2M	0.25%
66	VANGUARD SPECIALIZED FUNDS	921908844	5,694	$1.2M	0.24%
67	ISHARES INC	46434G764	18,015	$1.2M	0.24%
68	FIDELITY COVINGTON TRUST	316092840	21,514	$1.2M	0.24%
69	ISHARES TR	46432F396	4,618	$1.2M	0.23%
70	TESLA INC	TSLA	2,620	$1.2M	0.23%
71	META PLATFORMS INC	META	1,474	$1.1M	0.21%
72	DIMENSIONAL ETF TRUST	25434V708	28,000	$1.1M	0.21%
73	WISDOMTREE TR	WT	22,876	$1.1M	0.21%
74	FIRST TR EXCHNG TRADED FD VI	33740F862	20,167	$1.0M	0.21%
75	ISHARES TR	46435G425	7,102	$1.0M	0.20%
76	AMAZON COM INC	AMZN	4,649	$1.0M	0.20%
77	VANGUARD INDEX FDS	922908595	3,409	$1.0M	0.20%
78	J P MORGAN EXCHANGE TRADED F	46641Q332	17,405	$993,832	0.20%
79	CREDIT ACCEP CORP MICH	225310101	2,100	$980,553	0.19%
80	ISHARES TR	46435G516	10,268	$954,719	0.19%
81	ISHARES TR	464287663	8,066	$806,148	0.16%
82	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,519	$763,662	0.15%
83	SPDR SERIES TRUST	78464A847	12,992	$743,007	0.15%
84	ALPHABET INC	GOOG	3,050	$741,455	0.15%
85	AMERICAN CENTY ETF TR	025072505	14,373	$721,956	0.14%
86	EXXON MOBIL CORP	XOM	6,155	$693,967	0.14%
87	ARISTA NETWORKS INC	ANET	4,697	$684,400	0.14%
88	BROADCOM INC	AVGO	1,973	$650,826	0.13%
89	VANGUARD INDEX FDS	922908512	3,547	$619,235	0.12%
90	ALPHABET INC	GOOG	2,506	$610,235	0.12%
91	VANGUARD INDEX FDS	922908769	1,858	$609,740	0.12%
92	EXACT SCIENCES CORP	30063P105	10,824	$592,181	0.12%
93	AMERICAN CENTY ETF TR	025072141	9,139	$586,010	0.12%
94	VANGUARD INDEX FDS	922908611	2,782	$580,631	0.11%
95	INVESCO EXCH TRD SLF IDX FD	IVZ	12,683	$557,873	0.11%
96	NETFLIX INC	NFLX	461	$552,702	0.11%
97	INVESCO EXCH TRADED FD TR II	IVZ	8,377	$532,442	0.11%
98	SCHWAB STRATEGIC TR	808524201	20,081	$528,922	0.10%
99	SPDR SERIES TRUST	78468R853	11,294	$523,122	0.10%
100	VANGUARD INDEX FDS	922908751	2,053	$522,037	0.10%
101	SPDR SERIES TRUST	78464A359	5,601	$506,898	0.10%
102	SHOPIFY INC	SHOP	3,341	$496,506	0.10%
103	JPMORGAN CHASE & CO.	VYLD	1,549	$488,601	0.10%
104	ELI LILLY & CO	LLY	612	$466,796	0.09%
105	FORD MTR CO	345370860	38,719	$463,082	0.09%
106	VISA INC	V	1,332	$454,718	0.09%
107	GENERAL DYNAMICS CORP	GD	1,293	$440,913	0.09%
108	COSTCO WHSL CORP NEW	22160K105	471	$435,828	0.09%
109	WALMART INC	WMT	4,041	$416,485	0.08%
110	STRYKER CORPORATION	SYK	1,017	$375,954	0.07%
111	ABBVIE INC	ABBV	1,493	$345,788	0.07%
112	BOEING CO	BA-PA	1,600	$345,328	0.07%
113	INTERNATIONAL BUSINESS MACHS	INTR	1,210	$341,416	0.07%
114	MASTERCARD INCORPORATED	MA	586	$333,221	0.07%
115	PACER FDS TR	69374H873	8,881	$323,451	0.06%
116	PHILIP MORRIS INTL INC	718172109	1,992	$323,120	0.06%
117	ROCKWELL AUTOMATION INC	ROK	861	$300,771	0.06%
118	HOME DEPOT INC	HD	726	$294,168	0.06%
119	FIDELITY NATL INFORMATION SV	31620M106	4,449	$293,395	0.06%
120	ALTRIA GROUP INC	MO	4,419	$291,919	0.06%
121	ISHARES TR	46434V407	6,661	$288,402	0.06%
122	ISHARES TR	464288885	2,503	$285,042	0.06%
123	MCDONALDS CORP	MCD	891	$270,900	0.05%
124	ASML HOLDING N V	ASMLF	269	$260,381	0.05%
125	BANK AMERICA CORP	060505104	4,911	$253,337	0.05%
126	EVOLENT HEALTH INC	EVH	29,574	$250,196	0.05%
127	CISCO SYS INC	CSCO	3,532	$241,653	0.05%
128	CHEVRON CORP NEW	CVX	1,555	$241,476	0.05%
129	FIRST BUSINESS FINL SVCS INC	319390100	4,615	$236,565	0.05%
130	PALANTIR TECHNOLOGIES INC	PLTR	1,290	$235,322	0.05%
131	MGE ENERGY INC	MGEE	2,776	$233,692	0.05%
132	ISHARES TR	464287614	490	$229,521	0.05%
133	VERIZON COMMUNICATIONS INC	VZ	5,172	$227,316	0.04%
134	SERVICENOW INC	NOW	245	$225,920	0.04%
135	BANK MONTREAL QUE	063671101	1,680	$218,820	0.04%
136	MCKESSON CORP	MCK	277	$213,994	0.04%
137	ISHARES TR	464287481	1,489	$212,048	0.04%
138	WELLS FARGO CO NEW	949746101	2,441	$204,631	0.04%
139	SCHWAB STRATEGIC TR	808524300	6,284	$200,522	0.04%
140	BRASILAGRO COMPANHIA BRASILE	10554B104	13,000	$50,440	0.01%