# EDGAR Filing Document

**Accession Number:** 0001535172
**File Stem:** 0001398344-26-006747
**Filing Date:** 2026-4
**Character Count:** 9364
**Document Hash:** 8d624277111725484ef5b012f02f3998
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-26-006747.hdr.sgml**: 20260421

**ACCESSION NUMBER**: 0001398344-26-006747

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260421

**DATE AS OF CHANGE**: 20260421

**EFFECTIVENESS DATE**: 20260421

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Berkshire Money Management, Inc.
- **CENTRAL INDEX KEY:** 0001535172

**ORGANIZATION NAME:**
- **EIN:** 043556944
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15668
- **FILM NUMBER:** 26876834

**BUSINESS ADDRESS:**
- **STREET 1:** 161 MAIN ST
- **CITY:** DALTON
- **STATE:** MA
- **ZIP:** 01226
- **BUSINESS PHONE:** 1-888-232-6072

**MAIL ADDRESS:**
- **STREET 1:** 161 MAIN ST
- **CITY:** DALTON
- **STATE:** MA
- **ZIP:** 01226

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** Berkshire Money Management Inc.<br>**Address:** 161 MAIN ST<br>DALTON, MA 01226

**Form 13F File Number:** 028-15668

**CRD Number (if applicable):** 000124873

**SEC File Number (if applicable):** 801-61763

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:** Allen Pierre Harris<br>**Title:** CEO CIO and CCO<br>**Phone:** 413-997-2006

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

/s/ Allen Pierre Harris  Dalton, MA  04-14-2026<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:** 52

**Form 13F Information Table Value Total:** $976419432

      (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 |
| AMAZON COM INC | COM | 023135106 |  | 2306027 | 11072 | SH |  | SOLE |  | 0 | 0 | 11072 |
| APPLE INC | COM | 037833100 |  | 6898800 | 27183 | SH |  | SOLE |  | 0 | 0 | 27183 |
| EXCHANGE TRADED CONCEPTS TRU | ROBO GLB ARTIF | 301505731 |  | 14776859 | 250406 | SH |  | SOLE |  | 0 | 0 | 250406 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 31864134 | 150908 | SH |  | SOLE |  | 0 | 0 | 150908 |
| ISHARES TR | EXPANDED TECH | 464287515 |  | 898962 | 11230 | SH |  | SOLE |  | 0 | 0 | 11230 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 25165895 | 59019 | SH |  | SOLE |  | 0 | 0 | 59019 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 6909449 | 27861 | SH |  | SOLE |  | 0 | 0 | 27861 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 22448145 | 527447 | SH |  | SOLE |  | 0 | 0 | 527447 |
| TIDAL TRUST I | FUNDSTRAT GRANNY | 886364231 |  | 7268057 | 304485 | SH |  | SOLE |  | 0 | 0 | 304485 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 60133041 | 279611 | SH |  | SOLE |  | 0 | 0 | 279611 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 33054985 | 421566 | SH |  | SOLE |  | 0 | 0 | 421566 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 29197862 | 455647 | SH |  | SOLE |  | 0 | 0 | 455647 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 21034497 | 48157 | SH |  | SOLE |  | 0 | 0 | 48157 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 55698700 | 96501 | SH |  | SOLE |  | 0 | 0 | 96501 |
| DIREXION SHARES ETF TRUST | NASDAQ 100 EQ WT | 25459Y207 |  | 5187000 | 52644 | SH |  | SOLE |  | 0 | 0 | 52644 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1940221 | 11436 | SH |  | SOLE |  | 0 | 0 | 11436 |
| INNOVATOR ETFS TRUST | US EQT ULTRA BF | 45782C300 |  | 3392001 | 79793 | SH |  | SOLE |  | 0 | 0 | 79793 |
| INNOVATOR ETFS TRUST | US SML CP PWR ET | 45782C342 |  | 3267213 | 90130 | SH |  | SOLE |  | 0 | 0 | 90130 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JAN | 45782C409 |  | 1238270 | 23219 | SH |  | SOLE |  | 0 | 0 | 23219 |
| INNOVATOR ETFS TRUST | US EQTY BUFR FEB | 45782C433 |  | 6742530 | 141346 | SH |  | SOLE |  | 0 | 0 | 141346 |
| INNOVATOR ETFS TRUST | GRWT100 PWR BF | 45782C466 |  | 643376 | 12055 | SH |  | SOLE |  | 0 | 0 | 12055 |
| INNOVATOR ETFS TRUST | US SML CP PWR B | 45782C474 |  | 6232391 | 149379 | SH |  | SOLE |  | 0 | 0 | 149379 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C573 |  | 24466070 | 598778 | SH |  | SOLE |  | 0 | 0 | 598778 |
| INNOVATOR ETFS TRUST | US EQTY BUF NOV | 45782C581 |  | 921123 | 21410 | SH |  | SOLE |  | 0 | 0 | 21410 |
| INNOVATOR ETFS TRUST | US EQTY BUF SEP | 45782C664 |  | 610036 | 12687 | SH |  | SOLE |  | 0 | 0 | 12687 |
| INNOVATOR ETFS TRUST | US EQUT BUFR AUG | 45782C698 |  | 527606 | 10801 | SH |  | SOLE |  | 0 | 0 | 10801 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C748 |  | 4609177 | 110197 | SH |  | SOLE |  | 0 | 0 | 110197 |
| INNOVATOR ETFS TRUST | US EQTY BUF OCT | 45782C771 |  | 2667443 | 55587 | SH |  | SOLE |  | 0 | 0 | 55587 |
| INNOVATOR ETFS TRUST | US EQTY BUFR JUL | 45782C789 |  | 1731845 | 34856 | SH |  | SOLE |  | 0 | 0 | 34856 |
| INNOVATOR ETFS TRUST | US EQTY PWR BUF | 45782C813 |  | 2028868 | 44137 | SH |  | SOLE |  | 0 | 0 | 44137 |
| INNOVATOR ETFS TRUST | US EQT BUFR APR | 45782C888 |  | 1046899 | 21374 | SH |  | SOLE |  | 0 | 0 | 21374 |
| INNOVATOR ETFS TRUST | US SMALL CAP PWR | 45783Y137 |  | 13006917 | 485177 | SH |  | SOLE |  | 0 | 0 | 485177 |
| INNOVATOR ETFS TRUST | INTL DEV PWR BUF | 45783Y459 |  | 8910476 | 256846 | SH |  | SOLE |  | 0 | 0 | 256846 |
| INNOVATOR ETFS TRUST | US SMALL CAP PWR | 45784N833 |  | 964476 | 37530 | SH |  | SOLE |  | 0 | 0 | 37530 |
| INNOVATOR ETFS TRUST | US SMALL CAP PWR | 45784N866 |  | 63810357 | 2226072 | SH |  | SOLE |  | 0 | 0 | 2226072 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 58810438 | 306432 | SH |  | SOLE |  | 0 | 0 | 306432 |
| INVESCO EXCHANGE TRADED FD T | AI AND NEXT GEN | 46137V639 |  | 13619028 | 234552 | SH |  | SOLE |  | 0 | 0 | 234552 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 |  | 411708 | 20159 | SH |  | SOLE |  | 0 | 0 | 20159 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 |  | 255204 | 13004 | SH |  | SOLE |  | 0 | 0 | 13004 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 565238 | 28942 | SH |  | SOLE |  | 0 | 0 | 28942 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 950678 | 10251 | SH |  | SOLE |  | 0 | 0 | 10251 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 1061158 | 10542 | SH |  | SOLE |  | 0 | 0 | 10542 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3158160 | 18109 | SH |  | SOLE |  | 0 | 0 | 18109 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 220777598 | 339480 | SH |  | SOLE |  | 0 | 0 | 339480 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A698 |  | 5481806 | 84141 | SH |  | SOLE |  | 0 | 0 | 84141 |
| STATE STR SPDR DOW JONES IND | UT SER 1 | 78467X109 |  | 95021333 | 205145 | SH |  | SOLE |  | 0 | 0 | 205145 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R408 |  | 41999067 | 1681308 | SH |  | SOLE |  | 0 | 0 | 1681308 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R622 |  | 16526201 | 172651 | SH |  | SOLE |  | 0 | 0 | 172651 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 23246048 | 253667 | SH |  | SOLE |  | 0 | 0 | 253667 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 733506 | 15984 | SH |  | SOLE |  | 0 | 0 | 15984 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 20805815 | 215158 | SH |  | SOLE |  | 0 | 0 | 215158 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1396738 | 17620 | SH |  | SOLE |  | 0 | 0 | 17620 |

---