13F HOLDINGS REPORT

ERn Financial, LLC

Quarter ended Q4 2025 · Filed January 15, 2026 · Accession 0001768302-26-000001

Total Value

$531.9M

Positions

146

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (146)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	SPDR SERIES TRUST	78464A409	380,325	$40.6M	7.63%
2	SPDR SERIES TRUST	78464A508	676,263	$38.4M	7.22%
3	SPDR INDEX SHS FDS	78463X889	684,153	$30.4M	5.71%
4	ISHARES TR	46432F842	197,956	$17.7M	3.33%
5	VICTORY PORTFOLIOS II	92647N535	315,306	$16.0M	3.01%
6	SPDR SERIES TRUST	78464A839	175,750	$14.9M	2.80%
7	AMERICAN CENTY ETF TR	025072604	167,024	$12.9M	2.42%
8	SPDR INDEX SHS FDS	78463X509	270,813	$12.7M	2.38%
9	PIMCO ETF TR	72201R585	438,407	$11.7M	2.20%
10	ISHARES TR	46432F339	56,958	$11.3M	2.13%
11	VANGUARD INDEX FDS	922908736	22,224	$10.8M	2.04%
12	DIMENSIONAL ETF TRUST	25434V880	324,812	$10.6M	2.00%
13	DIMENSIONAL ETF TRUST	25434V872	249,044	$10.6M	1.99%
14	ISHARES TR	46434V647	421,282	$10.5M	1.98%
15	JOHN HANCOCK EXCHANGE TRADED	47804J107	131,506	$10.5M	1.97%
16	INVESCO EXCH TRD SLF IDX FD	IVZ	167,428	$10.2M	1.92%
17	SPDR SERIES TRUST	78464A649	352,597	$9.1M	1.71%
18	SPDR SERIES TRUST	78464A656	345,832	$9.0M	1.69%
19	SPDR SERIES TRUST	78464A821	92,965	$8.6M	1.62%
20	HARTFORD FDS EXCHANGE TRADED	41653L503	208,888	$8.2M	1.54%
21	AMERICAN CENTY ETF TR	025072810	64,111	$8.1M	1.53%
22	FIRST TR EXCH TRADED FD III	33739N108	158,806	$8.1M	1.53%
23	SPDR SERIES TRUST	78464A854	97,067	$7.8M	1.46%
24	ISHARES TR	464288521	128,841	$7.3M	1.38%
25	VANGUARD SCOTTSDALE FDS	92206C680	59,310	$7.2M	1.36%
26	ISHARES TR	464287465	74,021	$7.1M	1.34%
27	PIMCO ETF TR	72201R866	130,377	$6.8M	1.28%
28	VANGUARD INDEX FDS	922908363	10,765	$6.8M	1.27%
29	J P MORGAN EXCHANGE TRADED F	46654Q732	73,977	$6.7M	1.25%
30	AMERICAN CENTY ETF TR	025072877	62,891	$6.4M	1.21%
31	PUTNAM ETF TRUST	746729300	139,276	$6.3M	1.19%
32	FIRST TR EXCHNG TRADED FD VI	33740F805	136,125	$6.0M	1.13%
33	ISHARES TR	464287804	44,993	$5.4M	1.02%
34	J P MORGAN EXCHANGE TRADED F	46654Q716	90,866	$4.9M	0.92%
35	APPLE INC	AAPL	17,507	$4.8M	0.89%
36	SPDR SERIES TRUST	78464A201	50,375	$4.7M	0.89%
37	BLACKROCK ETF TRUST	BLK	77,151	$4.7M	0.88%
38	J P MORGAN EXCHANGE TRADED F	46641Q654	91,152	$4.6M	0.87%
39	DIMENSIONAL ETF TRUST	25434V203	111,151	$4.2M	0.80%
40	ISHARES TR	464287200	6,121	$4.2M	0.79%
41	VANGUARD INDEX FDS	922908744	20,105	$3.8M	0.72%
42	JOHN HANCOCK EXCHANGE TRADED	47804J206	58,329	$3.8M	0.72%
43	VANECK ETF TRUST	92189F130	98,341	$3.4M	0.65%
44	FIRST TR EXCHNG TRADED FD VI	33740F847	57,388	$3.1M	0.59%
45	DIMENSIONAL ETF TRUST	25434V104	62,074	$2.9M	0.55%
46	FIRST TR EXCHANGE-TRADED FD	33734H106	61,707	$2.8M	0.53%
47	NVIDIA CORPORATION	NVDA	14,727	$2.7M	0.52%
48	ISHARES TR	464287507	36,408	$2.4M	0.45%
49	VANGUARD INDEX FDS	922908538	8,468	$2.4M	0.44%
50	VANGUARD INDEX FDS	922908629	8,042	$2.3M	0.44%
51	FIRST TR EXCHNG TRADED FD VI	33740U307	44,926	$2.3M	0.44%
52	FAIR ISAAC CORP	FICO	1,367	$2.3M	0.43%
53	MICROSOFT CORP	MSFT	4,693	$2.3M	0.43%
54	BLACKROCK ETF TRUST II	BLK	68,573	$2.3M	0.43%
55	SCHWAB STRATEGIC TR	808524730	62,275	$2.2M	0.42%
56	PACER FDS TR	69374H881	32,936	$2.0M	0.37%
57	CAPITAL GROUP INTL FOCUS EQT	14019W109	64,220	$1.9M	0.36%
58	FIRST TR EXCHANGE-TRADED FD	33733E104	19,961	$1.8M	0.35%
59	INVESCO QQQ TR	IVZ	2,960	$1.8M	0.34%
60	DIMENSIONAL ETF TRUST	25434V773	52,995	$1.7M	0.33%
61	VANGUARD TAX-MANAGED FDS	921943858	27,743	$1.7M	0.33%
62	INVESCO EXCHANGE TRADED FD T	IVZ	22,602	$1.7M	0.32%
63	SPDR SERIES TRUST	78464A300	16,754	$1.5M	0.29%
64	SPDR S&P 500 ETF TR	SPY	2,107	$1.4M	0.27%
65	ISHARES GOLD TR	IAU	17,673	$1.4M	0.27%
66	ISHARES TR	464287234	25,390	$1.4M	0.26%
67	ORACLE CORP	ORCL-PD	7,078	$1.4M	0.26%
68	FIDELITY COVINGTON TRUST	316092840	23,409	$1.3M	0.25%
69	ISHARES INC	46434G764	17,982	$1.3M	0.25%
70	VANGUARD SPECIALIZED FUNDS	921908844	5,670	$1.2M	0.23%
71	AMAZON COM INC	AMZN	5,151	$1.2M	0.22%
72	WISDOMTREE TR	WT	25,222	$1.2M	0.22%
73	ISHARES TR	46432F396	4,633	$1.2M	0.22%
74	TESLA INC	TSLA	2,558	$1.2M	0.22%
75	DIMENSIONAL ETF TRUST	25434V708	27,877	$1.1M	0.21%
76	J P MORGAN EXCHANGE TRADED F	46641Q332	18,994	$1.1M	0.20%
77	FIRST TR EXCHNG TRADED FD VI	33740F862	19,708	$1.0M	0.20%
78	ISHARES TR	46435G425	6,983	$1.0M	0.20%
79	VANGUARD INDEX FDS	922908595	3,410	$1.0M	0.19%
80	META PLATFORMS INC	META	1,475	$973,876	0.18%
81	ISHARES TR	46435G516	10,142	$964,403	0.18%
82	CREDIT ACCEP CORP MICH	225310101	2,100	$931,266	0.18%
83	ALPHABET INC	GOOG	2,875	$899,875	0.17%
84	ISHARES TR	464287663	8,705	$892,647	0.17%
85	AMERICAN CENTY ETF TR	025072505	15,900	$801,042	0.15%
86	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,588	$798,208	0.15%
87	ALPHABET INC	GOOG	2,499	$784,055	0.15%
88	SPDR SERIES TRUST	78464A847	12,940	$749,363	0.14%
89	EXXON MOBIL CORP	XOM	6,194	$745,385	0.14%
90	VANGUARD INDEX FDS	922908769	1,974	$661,823	0.12%
91	EXACT SCIENCES CORP	30063P105	6,479	$658,007	0.12%
92	ELI LILLY & CO	LLY	608	$653,184	0.12%
93	BROADCOM INC	AVGO	1,886	$652,779	0.12%
94	AMERICAN CENTY ETF TR	025072141	10,189	$635,895	0.12%
95	VANGUARD INDEX FDS	922908512	3,532	$626,471	0.12%
96	ARISTA NETWORKS INC	ANET	4,644	$608,503	0.11%
97	VANGUARD INDEX FDS	922908611	2,782	$589,200	0.11%
98	INVESCO EXCH TRD SLF IDX FD	IVZ	12,605	$560,545	0.11%
99	SCHWAB STRATEGIC TR	808524201	20,124	$541,536	0.10%
100	SHOPIFY INC	SHOP	3,290	$529,591	0.10%
101	VANGUARD INDEX FDS	922908751	2,053	$529,571	0.10%
102	SPDR SERIES TRUST	78468R853	11,042	$517,438	0.10%
103	INVESCO EXCH TRADED FD TR II	IVZ	8,274	$516,031	0.10%
104	FORD MTR CO	345370860	38,804	$509,114	0.10%
105	SPDR SERIES TRUST	78464A359	5,607	$500,130	0.09%
106	JPMORGAN CHASE & CO.	VYLD	1,549	$499,119	0.09%
107	VISA INC	V	1,276	$447,506	0.08%
108	WALMART INC	WMT	3,972	$442,541	0.08%
109	GENERAL DYNAMICS CORP	GD	1,276	$429,578	0.08%
110	NETFLIX INC	NFLX	4,545	$426,139	0.08%
111	ISHARES TR	464287499	4,416	$425,128	0.08%
112	COSTCO WHSL CORP NEW	22160K105	462	$398,267	0.07%
113	BOEING CO	BA-PA	1,676	$363,893	0.07%
114	INTERNATIONAL BUSINESS MACHS	INTR	1,203	$356,454	0.07%
115	CAPITAL GROUP NEW GEOGRAPHY	14021N105	10,707	$341,875	0.06%
116	ABBVIE INC	ABBV	1,479	$338,034	0.06%
117	STRYKER CORPORATION	SYK	953	$334,951	0.06%
118	ROCKWELL AUTOMATION INC	ROK	861	$334,795	0.06%
119	PHILIP MORRIS INTL INC	718172109	2,014	$323,006	0.06%
120	MASTERCARD INCORPORATED	MA	557	$317,957	0.06%
121	PACER FDS TR	69374H873	8,184	$316,563	0.06%
122	ISHARES TR	464287614	640	$302,912	0.06%
123	FIDELITY NATL INFORMATION SV	31620M106	4,545	$302,038	0.06%
124	ISHARES TR	46434V407	6,727	$288,379	0.05%
125	ISHARES TR	464288885	2,523	$287,420	0.05%
126	ASML HOLDING N V	ASMLF	268	$287,148	0.05%
127	CISCO SYS INC	CSCO	3,543	$272,938	0.05%
128	MCDONALDS CORP	MCD	871	$266,290	0.05%
129	ALTRIA GROUP INC	MO	4,607	$265,631	0.05%
130	BANK AMERICA CORP	060505104	4,723	$259,742	0.05%
131	MICRON TECHNOLOGY INC	MU	889	$253,729	0.05%
132	SALESFORCE INC	CRM	948	$251,050	0.05%
133	FIRST BUSINESS FINL SVCS INC	319390100	4,615	$250,595	0.05%
134	PALANTIR TECHNOLOGIES INC	PLTR	1,393	$247,606	0.05%
135	HOME DEPOT INC	HD	708	$243,623	0.05%
136	CHEVRON CORP NEW	CVX	1,527	$232,730	0.04%
137	AMPHENOL CORP NEW	032095101	1,709	$230,961	0.04%
138	INVESCO EXCH TRADED FD TR II	IVZ	1,863	$222,321	0.04%
139	MCKESSON CORP	MCK	271	$222,299	0.04%
140	MGE ENERGY INC	MGEE	2,785	$218,438	0.04%
141	BANK MONTREAL QUE	063671101	1,680	$218,047	0.04%
142	VERIZON COMMUNICATIONS INC	VZ	5,304	$216,040	0.04%
143	SCHWAB STRATEGIC TR	808524300	6,284	$204,984	0.04%
144	ISHARES TR	464287481	1,489	$203,904	0.04%
145	EVOLENT HEALTH INC	EVH	29,574	$118,296	0.02%
146	BRASILAGRO COMPANHIA BRASILE	10554B104	13,000	$46,540	0.01%