# EDGAR Filing Document

**Accession Number:** 0001567738
**File Stem:** 0002063364-25-000195
**Filing Date:** 2025-8
**Character Count:** 7790
**Document Hash:** 53afed3885bffec0b36963663d3c6320
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002063364-25-000195.hdr.sgml**: 20250808

**ACCESSION NUMBER**: 0002063364-25-000195

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250808

**DATE AS OF CHANGE**: 20250808

**EFFECTIVENESS DATE**: 20250808

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sensible Financial Planning & Management, LLC.
- **CENTRAL INDEX KEY:** 0001567738

**ORGANIZATION NAME:**
- **EIN:** 043638467
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-15097
- **FILM NUMBER:** 251197343

**BUSINESS ADDRESS:**
- **STREET 1:** 203 CRESCENT ST
- **STREET 2:** SUITE 404
- **CITY:** WALTHAM
- **STATE:** MA
- **ZIP:** 02453
- **BUSINESS PHONE:** (781) 642-0890

**MAIL ADDRESS:**
- **STREET 1:** 203 CRESCENT ST
- **STREET 2:** SUITE 404
- **CITY:** WALTHAM
- **STATE:** MA
- **ZIP:** 02453

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Sensible Financial Planning  Management LLC.<br>**Address:** 203 CRESCENT ST<br>SUITE 404<br>WALTHAM, MA 02453

**Form 13F File Number:** 028-15097

**CRD Number (if applicable):** 000120766

**SEC File Number (if applicable):** 801-64149

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:** Jim Cullen<br>**Title:** Filing Agent<br>**Phone:** 401-466-6010

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

Jim Cullen  East Providence, RI  08-08-2025<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:** 37

**Form 13F Information Table Value Total:** $526643615

      (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 |
| CABOT CORP | COM | 127055101 |  | 1896975 | 25293 | SH |  | SOLE | 0 | 0 | 0 | 25293 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 438422 | 12682 | SH |  | SOLE | 0 | 0 | 0 | 12682 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 896114 | 16607 | SH |  | SOLE | 0 | 0 | 0 | 16607 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 7128165 | 170489 | SH |  | SOLE | 0 | 0 | 0 | 170489 |
| DOUBLELINE ETF TRUST | MORTGAGE ETF | 25861R402 |  | 494921 | 10086 | SH |  | SOLE | 0 | 0 | 0 | 10086 |
| EA SERIES TRUST | ASTORIA US QUALI | 02072L185 |  | 599656 | 22153 | SH |  | SOLE | 0 | 0 | 0 | 22153 |
| EA SERIES TRUST | ASTORIA DYNAMIC | 02072Q663 |  | 742145 | 29407 | SH |  | SOLE | 0 | 0 | 0 | 29407 |
| EA SERIES TRUST | ASTORIA US EQUAL | 02072L433 |  | 843548 | 26189 | SH |  | SOLE | 0 | 0 | 0 | 26189 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 |  | 441564 | 11273 | SH |  | SOLE | 0 | 0 | 0 | 11273 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 995963 | 11163 | SH |  | SOLE | 0 | 0 | 0 | 11163 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 2488754 | 18394 | SH |  | SOLE | 0 | 0 | 0 | 18394 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 22055786 | 91777 | SH |  | SOLE | 0 | 0 | 0 | 91777 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 22587185 | 219485 | SH |  | SOLE | 0 | 0 | 0 | 219485 |
| ISHARES TR | MBS ETF | 464288588 |  | 69302850 | 738128 | SH |  | SOLE | 0 | 0 | 0 | 738128 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 71626385 | 1392426 | SH |  | SOLE | 0 | 0 | 0 | 1392426 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 7065352 | 333901 | SH |  | SOLE | 0 | 0 | 0 | 333901 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 12396891 | 507238 | SH |  | SOLE | 0 | 0 | 0 | 507238 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 80626838 | 3021995 | SH |  | SOLE | 0 | 0 | 0 | 3021995 |
| SPDR INDEX SHS FDS | MSCI EAFE FS ETF | 78470E106 |  | 656977 | 13872 | SH |  | SOLE | 0 | 0 | 0 | 13872 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 7152179 | 176641 | SH |  | SOLE | 0 | 0 | 0 | 176641 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 592001 | 20577 | SH |  | SOLE | 0 | 0 | 0 | 20577 |
| SPDR SERIES TRUST | SPDR S 500 ETF | 78468R796 |  | 19636399 | 385557 | SH |  | SOLE | 0 | 0 | 0 | 385557 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 79464469 | 1605019 | SH |  | SOLE | 0 | 0 | 0 | 1605019 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1847742 | 10455 | SH |  | SOLE | 0 | 0 | 0 | 10455 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 2769512 | 31097 | SH |  | SOLE | 0 | 0 | 0 | 31097 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 3061900 | 10942 | SH |  | SOLE | 0 | 0 | 0 | 10942 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 4875483 | 20573 | SH |  | SOLE | 0 | 0 | 0 | 20573 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 5911386 | 13484 | SH |  | SOLE | 0 | 0 | 0 | 13484 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 24136442 | 79414 | SH |  | SOLE | 0 | 0 | 0 | 79414 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 24278150 | 42741 | SH |  | SOLE | 0 | 0 | 0 | 42741 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 3017109 | 61001 | SH |  | SOLE | 0 | 0 | 0 | 61001 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2346162 | 46671 | SH |  | SOLE | 0 | 0 | 0 | 46671 |
| VANGUARD SCOTTSDALE FDS | TOTAL WLD BD ETF | 92206C565 |  | 1607549 | 23187 | SH |  | SOLE | 0 | 0 | 0 | 23187 |
| VANGUARD SCOTTSDALE FDS | TOTAL CORP BND | 92206C573 |  | 11108532 | 143651 | SH |  | SOLE | 0 | 0 | 0 | 143651 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 11173409 | 241118 | SH |  | SOLE | 0 | 0 | 0 | 241118 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 5488746 | 96277 | SH |  | SOLE | 0 | 0 | 0 | 96277 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 14891954 | 66210 | SH |  | SOLE | 0 | 0 | 0 | 66210 |

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