# EDGAR Filing Document

**Accession Number:** 0001858428
**File Stem:** 0001214659-23-002231
**Filing Date:** 2023-2
**Character Count:** 10435
**Document Hash:** a27889ede177bdf2c41a648d53cebbc1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001214659-23-002231.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001214659-23-002231

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Better Money Decisions, LLC
- **CENTRAL INDEX KEY:** 0001858428
- **IRS NUMBER:** 471644382
- **STATE OF INCORPORATION:** NM
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21160
- **FILM NUMBER:** 23623795

**BUSINESS ADDRESS:**
- **STREET 1:** 460 ST. MICHAELS DRIVE, SUITE 902
- **CITY:** SANTA FE
- **STATE:** NM
- **ZIP:** 87505
- **BUSINESS PHONE:** 844-507-0961

**MAIL ADDRESS:**
- **STREET 1:** 460 ST. MICHAELS DRIVE, SUITE 902
- **CITY:** SANTA FE
- **STATE:** NM
- **ZIP:** 87505

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Better Money Decisions LLC<br>**Address:** 460 ST. MICHAELS DRIVE SUITE 902<br>SANTA FE, NM 87505

**Form 13F File Number:** 028-21160

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Lorraine Ell<br>**Title:** CEO<br>**Phone:** 844-507-0961

**Signature, Place, and Date of Signing:**

/s/ Lorraine Ell  Santa Fe, NM  02-14-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 68

**Form 13F Information Table Value Total:** $115302644

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBVIE INC | COM | 00287Y109 |  | 280471 | 1735 | SH |  | SOLE |  | 0 | 0 | 1735 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 280042 | 3174 | SH |  | SOLE |  | 0 | 0 | 3174 |
| AMAZON COM INC | COM | 023135106 |  | 666204 | 7931 | SH |  | SOLE |  | 0 | 0 | 7931 |
| APPLE INC | COM | 037833100 |  | 2318010 | 17840 | SH |  | SOLE |  | 0 | 0 | 17840 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 290984 | 942 | SH |  | SOLE |  | 0 | 0 | 942 |
| CHEVRON CORP NEW | COM | 166764100 |  | 515933 | 2874 | SH |  | SOLE |  | 0 | 0 | 2874 |
| COCA COLA CO | COM | 191216100 |  | 354096 | 5567 | SH |  | SOLE |  | 0 | 0 | 5567 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 277024 | 607 | SH |  | SOLE |  | 0 | 0 | 607 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 673417 | 27735 | SH |  | SOLE |  | 0 | 0 | 27735 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C656 |  | 1843967 | 63036 | SH |  | SOLE |  | 0 | 0 | 63036 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C573 |  | 1289355 | 42708 | SH |  | SOLE |  | 0 | 0 | 42708 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C417 |  | 1152813 | 40592 | SH |  | SOLE |  | 0 | 0 | 40592 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C383 |  | 376046 | 12241 | SH |  | SOLE |  | 0 | 0 | 12241 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C318 |  | 272810 | 9712 | SH |  | SOLE |  | 0 | 0 | 9712 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C797 |  | 2278153 | 75762 | SH |  | SOLE |  | 0 | 0 | 75762 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C508 |  | 683200 | 21682 | SH |  | SOLE |  | 0 | 0 | 21682 |
| INNOVATOR ETFS TR | US EQT PWR BUF | 45782C870 |  | 291237 | 10375 | SH |  | SOLE |  | 0 | 0 | 10375 |
| ISHARES TR | SELF DRIVNG EV | 46435U366 |  | 268103 | 7925 | SH |  | SOLE |  | 0 | 0 | 7925 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 18900245 | 306623 | SH |  | SOLE |  | 0 | 0 | 306623 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 1070925 | 22912 | SH |  | SOLE |  | 0 | 0 | 22912 |
| ISHARES TR | USD GRN BOND ETF | 46435U440 |  | 467094 | 10161 | SH |  | SOLE |  | 0 | 0 | 10161 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 1652631 | 34756 | SH |  | SOLE |  | 0 | 0 | 34756 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 1448634 | 60944 | SH |  | SOLE |  | 0 | 0 | 60944 |
| ISHARES TR | ESG SCRND S SM | 46436E544 |  | 284086 | 8552 | SH |  | SOLE |  | 0 | 0 | 8552 |
| ISHARES TR | ESG SCRD S MID | 46436E551 |  | 211676 | 6453 | SH |  | SOLE |  | 0 | 0 | 6453 |
| ISHARES TR | ESG SCRND S | 46436E569 |  | 1580446 | 55599 | SH |  | SOLE |  | 0 | 0 | 55599 |
| ISHARES TR | IBONDS 25 TRM TS | 46436E866 |  | 200906 | 8630 | SH |  | SOLE |  | 0 | 0 | 8630 |
| ISHARES TR | IBONDS 24 TRM TS | 46436E874 |  | 205015 | 8596 | SH |  | SOLE |  | 0 | 0 | 8596 |
| ISHARES TR | US INDUSTRIALS | 464287754 |  | 331051 | 3432 | SH |  | SOLE |  | 0 | 0 | 3432 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 461405 | 6194 | SH |  | SOLE |  | 0 | 0 | 6194 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 5271044 | 21791 | SH |  | SOLE |  | 0 | 0 | 21791 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 914615 | 9664 | SH |  | SOLE |  | 0 | 0 | 9664 |
| ISHARES TR | CORE S ETF | 464287200 |  | 420450 | 1094 | SH |  | SOLE |  | 0 | 0 | 1094 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 808165 | 8332 | SH |  | SOLE |  | 0 | 0 | 8332 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 10309977 | 206945 | SH |  | SOLE |  | 0 | 0 | 206945 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 237372 | 1344 | SH |  | SOLE |  | 0 | 0 | 1344 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 211736 | 1579 | SH |  | SOLE |  | 0 | 0 | 1579 |
| MICROSOFT CORP | COM | 594918104 |  | 647336 | 2699 | SH |  | SOLE |  | 0 | 0 | 2699 |
| NETFLIX INC | COM | 64110L106 |  | 209955 | 712 | SH |  | SOLE |  | 0 | 0 | 712 |
| NUSHARES ETF TR | NUVEEN ESG INTL | 67092P805 |  | 1397332 | 54160 | SH |  | SOLE |  | 0 | 0 | 54160 |
| NUSHARES ETF TR | NUVEEN ESG EMRGN | 67092P888 |  | 208108 | 8180 | SH |  | SOLE |  | 0 | 0 | 8180 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 591886 | 11429 | SH |  | SOLE |  | 0 | 0 | 11429 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 304068 | 7506 | SH |  | SOLE |  | 0 | 0 | 7506 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 1220860 | 41120 | SH |  | SOLE |  | 0 | 0 | 41120 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 4997729 | 151630 | SH |  | SOLE |  | 0 | 0 | 151630 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 495559 | 1296 | SH |  | SOLE |  | 0 | 0 | 1296 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 522000 | 13422 | SH |  | SOLE |  | 0 | 0 | 13422 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 2454254 | 48436 | SH |  | SOLE |  | 0 | 0 | 48436 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 868710 | 18370 | SH |  | SOLE |  | 0 | 0 | 18370 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 812331 | 32325 | SH |  | SOLE |  | 0 | 0 | 32325 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 386192 | 13145 | SH |  | SOLE |  | 0 | 0 | 13145 |
| SPDR SER TR | BLOOMBERG INVT | 78468R200 |  | 2098111 | 69040 | SH |  | SOLE |  | 0 | 0 | 69040 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 |  | 7823502 | 270803 | SH |  | SOLE |  | 0 | 0 | 270803 |
| SPDR SER TR | S KENSHO INTLG | 78468R697 |  | 278310 | 8518 | SH |  | SOLE |  | 0 | 0 | 8518 |
| SPDR SER TR | S KENSHO CLEAN | 78468R655 |  | 344233 | 4198 | SH |  | SOLE |  | 0 | 0 | 4198 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 7051609 | 93672 | SH |  | SOLE |  | 0 | 0 | 93672 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 283988 | 1393 | SH |  | SOLE |  | 0 | 0 | 1393 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1164872 | 14123 | SH |  | SOLE |  | 0 | 0 | 14123 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 7723782 | 42082 | SH |  | SOLE |  | 0 | 0 | 42082 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 247723 | 1296 | SH |  | SOLE |  | 0 | 0 | 1296 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3365278 | 9578 | SH |  | SOLE |  | 0 | 0 | 9578 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 5030097 | 107688 | SH |  | SOLE |  | 0 | 0 | 107688 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 2337647 | 30159 | SH |  | SOLE |  | 0 | 0 | 30159 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 902131 | 5941 | SH |  | SOLE |  | 0 | 0 | 5941 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 210406 | 1944 | SH |  | SOLE |  | 0 | 0 | 1944 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 973029 | 14774 | SH |  | SOLE |  | 0 | 0 | 14774 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 1037510 | 4183 | SH |  | SOLE |  | 0 | 0 | 4183 |
| WISDOMTREE TR | US SMALLCAP DIVD | 97717W604 |  | 214758 | 7551 | SH |  | SOLE |  | 0 | 0 | 7551 |

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