# EDGAR Filing Document

**Accession Number:** 0001701879
**File Stem:** 0001701879-25-000007
**Filing Date:** 2025-11
**Character Count:** 12435
**Document Hash:** 110c08bbc33e92e5ca88b252b331ed9b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001701879-25-000007.hdr.sgml**: 20251113

**ACCESSION NUMBER**: 0001701879-25-000007

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251113

**DATE AS OF CHANGE**: 20251113

**EFFECTIVENESS DATE**: 20251113

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Acorns Advisers, LLC
- **CENTRAL INDEX KEY:** 0001701879

**ORGANIZATION NAME:**
- **EIN:** 461062115
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18016
- **FILM NUMBER:** 251477782

**BUSINESS ADDRESS:**
- **STREET 1:** 5300 CALIFORNIA AVE
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92617
- **BUSINESS PHONE:** 8656969970

**MAIL ADDRESS:**
- **STREET 1:** 5300 CALIFORNIA AVE
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92617

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** Acorns Advisers LLC<br>**Address:** 5300 CALIFORNIA AVE<br>IRVINE, CA 92617

**Form 13F File Number:** 028-18016

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:** Derek Harper<br>**Title:** Director of Financial Operations<br>**Phone:** 9494382978

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

Derek Harper  Irvine, CA  11-13-2025<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:** 99

**Form 13F Information Table Value Total:** $12713074

      (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 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 855905 | 13115309 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 412400 | 3470507 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 |  | 28612 | 634691 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 |  | 370525 | 2544818 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 |  | 59212 | 436504 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5508763 | 8995662 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI EM | 46434G863 |  | 53455 | 1231111 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 2931195 | 35495219 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 144427 | 1553309 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1258086 | 12549487 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR SERIES TRUST | SPDR BLOOMBERG | 78468R663 |  | 50299 | 548222 | SH |  | SOLE |  | 0 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 50154 | 500390 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 26529 | 1147436 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | ULTR SH TRM BD | 46434V878 |  | 50148 | 988139 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 536878 | 10992587 | SH |  | SOLE |  | 0 | 0 | 0 |
| JP MORGAN EXCHANGE TRADED FD | ULTRA SHRT INC | 46641Q837 |  | 50065 | 986901 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 |  | 25365 | 266578 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 50159 | 453970 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | 1-3 YR TR BD ETF | 464287457 |  | 15917 | 191870 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 15822 | 625111 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 |  | 22929 | 973223 | SH |  | SOLE |  | 0 | 0 | 0 |
| PROSHARES TR | BITCOIN STRATE | 74347G440 |  | 90060 | 4576226 | SH |  | SOLE |  | 0 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 21225 | 113758 | SH |  | SOLE |  | 0 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 9019 | 35419 | SH |  | SOLE |  | 0 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 13286 | 29874 | SH |  | SOLE |  | 0 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 7392 | 33667 | SH |  | SOLE |  | 0 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 5053 | 9755 | SH |  | SOLE |  | 0 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2698 | 3674 | SH |  | SOLE |  | 0 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2152 | 4281 | SH |  | SOLE |  | 0 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 3835 | 13605 | SH |  | SOLE |  | 0 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 2248 | 13896 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2044 | 8394 | SH |  | SOLE |  | 0 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1583 | 1710 | SH |  | SOLE |  | 0 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 1523 | 1996 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1524 | 6267 | SH |  | SOLE |  | 0 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 1064 | 10325 | SH |  | SOLE |  | 0 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 1595 | 27931 | SH |  | SOLE |  | 0 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 720 | 10857 | SH |  | SOLE |  | 0 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 1803 | 5466 | SH |  | SOLE |  | 0 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1142 | 10125 | SH |  | SOLE |  | 0 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 1021 | 852 | SH |  | SOLE |  | 0 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 763 | 1883 | SH |  | SOLE |  | 0 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 523 | 4566 | SH |  | SOLE |  | 0 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 |  | 683 | 586 | SH |  | SOLE |  | 0 | 0 | 0 |
| INTEL CORP | COM | 458140100 |  | 1039 | 30964 | SH |  | SOLE |  | 0 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 684 | 1371 | SH |  | SOLE |  | 0 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 591 | 1874 | SH |  | SOLE |  | 0 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 954 | 10678 | SH |  | SOLE |  | 0 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 837 | 5391 | SH |  | SOLE |  | 0 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 |  | 516 | 6096 | SH |  | SOLE |  | 0 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 547 | 1799 | SH |  | SOLE |  | 0 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 543 | 3902 | SH |  | SOLE |  | 0 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 911 | 3027 | SH |  | SOLE |  | 0 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 412 | 1207 | SH |  | SOLE |  | 0 | 0 | 0 |
| NIKE INC | CL B | 654106103 |  | 472 | 6770 | SH |  | SOLE |  | 0 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 637 | 1334 | SH |  | SOLE |  | 0 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 1124 | 3998 | SH |  | SOLE |  | 0 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 661 | 1915 | SH |  | SOLE |  | 0 | 0 | 0 |
| BOEING CO | COM | 097023105 |  | 564 | 2614 | SH |  | SOLE |  | 0 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 355 | 1070 | SH |  | SOLE |  | 0 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 |  | 1090 | 1772 | SH |  | SOLE |  | 0 | 0 | 0 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 742 | 13770 | SH |  | SOLE |  | 0 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 306 | 1291 | SH |  | SOLE |  | 0 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 369 | 14492 | SH |  | SOLE |  | 0 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 316 | 11191 | SH |  | SOLE |  | 0 | 0 | 0 |
| PROLOGIS INC. | COM | 74340W103 |  | 426 | 3718 | SH |  | SOLE |  | 0 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 313 | 3749 | SH |  | SOLE |  | 0 | 0 | 0 |
| S GLOBAL INC | COM | 78409V104 |  | 344 | 706 | SH |  | SOLE |  | 0 | 0 | 0 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 426 | 2214 | SH |  | SOLE |  | 0 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 465 | 1647 | SH |  | SOLE |  | 0 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 415 | 2239 | SH |  | SOLE |  | 0 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 405 | 4646 | SH |  | SOLE |  | 0 | 0 | 0 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 366 | 2955 | SH |  | SOLE |  | 0 | 0 | 0 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 334 | 2823 | SH |  | SOLE |  | 0 | 0 | 0 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 354 | 2297 | SH |  | SOLE |  | 0 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 310 | 3271 | SH |  | SOLE |  | 0 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 306 | 4060 | SH |  | SOLE |  | 0 | 0 | 0 |
| DEERE  CO | COM | 244199105 |  | 273 | 597 | SH |  | SOLE |  | 0 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 254 | 1524 | SH |  | SOLE |  | 0 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 304 | 1314 | SH |  | SOLE |  | 0 | 0 | 0 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 265 | 49 | SH |  | SOLE |  | 0 | 0 | 0 |
| ARK ETF TR | GENOMIC REV ETF | 00214Q302 |  | 261 | 9405 | SH |  | SOLE |  | 0 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 222 | 496 | SH |  | SOLE |  | 0 | 0 | 0 |
| SERVICENOW INC | COM | 81762P102 |  | 210 | 228 | SH |  | SOLE |  | 0 | 0 | 0 |
| ADOBE INC | COM | 00724F101 |  | 236 | 669 | SH |  | SOLE |  | 0 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 257 | 1534 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR SERIES TRUST | S RETAIL ETF | 78464A714 |  | 253 | 2940 | SH |  | SOLE |  | 0 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 230 | 1498 | SH |  | SOLE |  | 0 | 0 | 0 |
| APPLIED MATLS INC | COM | 038222105 |  | 227 | 1110 | SH |  | SOLE |  | 0 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 223 | 3377 | SH |  | SOLE |  | 0 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 219 | 2799 | SH |  | SOLE |  | 0 | 0 | 0 |
| CVS HEALTH CORP | COM | 126650100 |  | 217 | 2884 | SH |  | SOLE |  | 0 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 217 | 863 | SH |  | SOLE |  | 0 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 216 | 3150 | SH |  | SOLE |  | 0 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 214 | 4139 | SH |  | SOLE |  | 0 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI MATERIALS | 81369Y100 |  | 214 | 2389 | SH |  | SOLE |  | 0 | 0 | 0 |
| 3M CO | COM | 88579Y101 |  | 212 | 1365 | SH |  | SOLE |  | 0 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 209 | 2212 | SH |  | SOLE |  | 0 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 206 | 2449 | SH |  | SOLE |  | 0 | 0 | 0 |

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