# EDGAR Filing Document

**Accession Number:** 0001965229
**File Stem:** 0001965229-26-000001
**Filing Date:** 2026-2
**Character Count:** 13626
**Document Hash:** 3a0744a1a54f62f48f5c99d838d548a1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001965229-26-000001.hdr.sgml**: 20260209

**ACCESSION NUMBER**: 0001965229-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260209

**DATE AS OF CHANGE**: 20260209

**EFFECTIVENESS DATE**: 20260209

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sensible Money, LLC
- **CENTRAL INDEX KEY:** 0001965229

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** AZ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24204
- **FILM NUMBER:** 26609993

**BUSINESS ADDRESS:**
- **STREET 1:** 4200 N MARSHALL WAY SUITE 2
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** (480) 719-7290

**MAIL ADDRESS:**
- **STREET 1:** 4200 N MARSHALL WAY SUITE 2
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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 Money LLC<br>**Address:** 4200 N MARSHALL WAY SUITE 2<br>SCOTTSDALE, AZ 85251

**Form 13F File Number:** 028-24204

**CRD Number (if applicable):** 000158641

**SEC File Number (if applicable):** 801-110039

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:** Dana Anspach<br>**Title:** CEO<br>**Phone:** 480-609-4336

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

/s/Dana Anspach  Scottsdale, AZ  02-09-2026<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:** 86

**Form 13F Information Table Value Total:** $313137002

      (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 | BBG0025Y4RZ3 | 220950 | 967 | SH |  | SOLE |  | 0 | 0 | 967 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 1569410 | 5014 | SH |  | SOLE |  | 0 | 0 | 5014 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 1017113 | 3241 | SH |  | SOLE |  | 0 | 0 | 3241 |
| ALPS ETF TR | BARRONS 400 ETF | 00162Q726 | BBG004N1S5G4 | 266485 | 3236 | SH |  | SOLE |  | 0 | 0 | 3236 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 812949 | 3522 | SH |  | SOLE |  | 0 | 0 | 3522 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 | BBG00Q6ZDXT0 | 773864 | 10048 | SH |  | SOLE |  | 0 | 0 | 10048 |
| AMERICAN CENTY ETF TR | EMERGING MKT VAL | 025072372 | BBG012NXXGN9 | 952698 | 16338 | SH |  | SOLE |  | 0 | 0 | 16338 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 | BBG00Q9MQZW3 | 240800 | 2361 | SH |  | SOLE |  | 0 | 0 | 2361 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 8229587 | 30271 | SH |  | SOLE |  | 0 | 0 | 30271 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 278568 | 323 | SH |  | SOLE |  | 0 | 0 | 323 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 | BBG017159MD8 | 23953302 | 724102 | SH |  | SOLE |  | 0 | 0 | 724102 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 | BBG017158GJ6 | 24660555 | 730900 | SH |  | SOLE |  | 0 | 0 | 730900 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 22430725 | 650921 | SH |  | SOLE |  | 0 | 0 | 650921 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 | BBG01633Y2Y6 | 12043897 | 316945 | SH |  | SOLE |  | 0 | 0 | 316945 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 80387445 | 2030499 | SH |  | SOLE |  | 0 | 0 | 2030499 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 | BBG011DXXNJ2 | 1990789 | 26841 | SH |  | SOLE |  | 0 | 0 | 26841 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 | BBG01BN5Z188 | 494103 | 14443 | SH |  | SOLE |  | 0 | 0 | 14443 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | BBG011DXY0L8 | 60784890 | 1020908 | SH |  | SOLE |  | 0 | 0 | 1020908 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 | BBG01J9W24S6 | 207089 | 2799 | SH |  | SOLE |  | 0 | 0 | 2799 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 25141540 | 768150 | SH |  | SOLE |  | 0 | 0 | 768150 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 206339 | 192 | SH |  | SOLE |  | 0 | 0 | 192 |
| FIRST TR EXCHANGE TRADED FD | RISNG DIVD ACHIV | 33738R506 | BBG005SW6WS0 | 254608 | 3665 | SH |  | SOLE |  | 0 | 0 | 3665 |
| FIRST TR EXCHANGE-TRADED FD | DJ INTERNT IDX | 33733E302 | BBG001SN9872 | 475103 | 1765 | SH |  | SOLE |  | 0 | 0 | 1765 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 337345102 | BBG001SQWVL2 | 982076 | 4266 | SH |  | SOLE |  | 0 | 0 | 4266 |
| FREEPORT-MCMORAN INC | CL B | 35671D857 | BBG001S5R3F3 | 1921626 | 37835 | SH |  | SOLE |  | 0 | 0 | 37835 |
| FTAI AVIATION LTD | SHS | G3730V105 | BBG019M62R54 | 240354 | 1221 | SH |  | SOLE |  | 0 | 0 | 1221 |
| GOLDEN MATRIX GROUP INC | COM | 381098300 | BBG001T45XK7 | 8008 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 257407 | 869 | SH |  | SOLE |  | 0 | 0 | 869 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E735 | BBG001SSH3K8 | 519894 | 12324 | SH |  | SOLE |  | 0 | 0 | 12324 |
| INVESCO EXCH TRADED FD TR II | S MIDCP LOW | 46138E198 | BBG00449DWF6 | 266623 | 4275 | SH |  | SOLE |  | 0 | 0 | 4275 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 | BBG001V18CG8 | 746554 | 10453 | SH |  | SOLE |  | 0 | 0 | 10453 |
| INVESCO EXCH TRD SLF IDX FD | BULETSHS 2029 | 46138J577 | BBG00Q5D6ZV0 | 440014 | 23361 | SH |  | SOLE |  | 0 | 0 | 23361 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 | BBG00KJR2K35 | 483679 | 24709 | SH |  | SOLE |  | 0 | 0 | 24709 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 CB | 46138J783 | BBG00KJR2L24 | 527871 | 26741 | SH |  | SOLE |  | 0 | 0 | 26741 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO 30 CORP | 46138J460 | BBG00X3HYBX8 | 453382 | 26796 | SH |  | SOLE |  | 0 | 0 | 26796 |
| INVESCO EXCH TRD SLF IDX FD | INVSCO BLSH 28 | 46138J643 | BBG00LNJW5P2 | 867590 | 42116 | SH |  | SOLE |  | 0 | 0 | 42116 |
| INVESCO EXCHANGE TRADED FD T | BUYBACK ACHIEV | 46137V308 | BBG001SS5KV1 | 539834 | 4019 | SH |  | SOLE |  | 0 | 0 | 4019 |
| INVESCO EXCHANGE TRADED FD T | DORSEY WRGT FINL | 46137V860 | BBG001SRNBL4 | 344848 | 5973 | SH |  | SOLE |  | 0 | 0 | 5973 |
| INVESCO EXCHANGE TRADED FD T | S EQL HLT | 46137V332 | BBG00KJR2QH7 | 695127 | 21825 | SH |  | SOLE |  | 0 | 0 | 21825 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 474362 | 772 | SH |  | SOLE |  | 0 | 0 | 772 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 | BBG001SJK6D5 | 216481 | 2667 | SH |  | SOLE |  | 0 | 0 | 2667 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 1467056 | 21825 | SH |  | SOLE |  | 0 | 0 | 21825 |
| ISHARES INC | MSCI GBL MIN VOL | 464286525 | BBG0025X39Q6 | 433082 | 3647 | SH |  | SOLE |  | 0 | 0 | 3647 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 508965 | 5689 | SH |  | SOLE |  | 0 | 0 | 5689 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 876272 | 7291 | SH |  | SOLE |  | 0 | 0 | 7291 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 348204 | 2342 | SH |  | SOLE |  | 0 | 0 | 2342 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 1317020 | 1923 | SH |  | SOLE |  | 0 | 0 | 1923 |
| ISHARES TR | MRNING SM CP ETF | 464288703 | BBG001SBRKG1 | 391040 | 5709 | SH |  | SOLE |  | 0 | 0 | 5709 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 258594 | 2693 | SH |  | SOLE |  | 0 | 0 | 2693 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | BBG0025X2WP7 | 205448 | 2382 | SH |  | SOLE |  | 0 | 0 | 2382 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 817121 | 8678 | SH |  | SOLE |  | 0 | 0 | 8678 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 443320 | 2232 | SH |  | SOLE |  | 0 | 0 | 2232 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 | BBG001SFC7Z6 | 1442564 | 3729 | SH |  | SOLE |  | 0 | 0 | 3729 |
| ISHARES TR | S MC 400VL ETF | 464287705 | BBG001SFQJM9 | 435695 | 3311 | SH |  | SOLE |  | 0 | 0 | 3311 |
| ISHARES TR | S SML 600 GWT | 464287887 | BBG001SFQL44 | 355246 | 2517 | SH |  | SOLE |  | 0 | 0 | 2517 |
| ISHARES TR | U.S. FIN SVC ETF | 464287770 | BBG001SFGXS3 | 296400 | 3213 | SH |  | SOLE |  | 0 | 0 | 3213 |
| ISHARES TR | U.S. TECH ETF | 464287721 | BBG001SFB7Z7 | 638976 | 3200 | SH |  | SOLE |  | 0 | 0 | 3200 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 724351 | 2248 | SH |  | SOLE |  | 0 | 0 | 2248 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1237090 | 2558 | SH |  | SOLE |  | 0 | 0 | 2558 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 778449 | 4174 | SH |  | SOLE |  | 0 | 0 | 4174 |
| PACER FDS TR | TRENDPILOT 100 | 69374H303 | BBG009BNY740 | 235950 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |
| PARK NATL CORP | COM | 700658107 | BBG001S7X549 | 338594 | 2225 | SH |  | SOLE |  | 0 | 0 | 2225 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 | BBG0051QPC87 | 3193859 | 88571 | SH |  | SOLE |  | 0 | 0 | 88571 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 | BBG0051QD594 | 662461 | 14870 | SH |  | SOLE |  | 0 | 0 | 14870 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 229080 | 5031 | SH |  | SOLE |  | 0 | 0 | 5031 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 218485 | 8330 | SH |  | SOLE |  | 0 | 0 | 8330 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 432977 | 15785 | SH |  | SOLE |  | 0 | 0 | 15785 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 265975 | 9884 | SH |  | SOLE |  | 0 | 0 | 9884 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 3637532 | 127722 | SH |  | SOLE |  | 0 | 0 | 127722 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | BBG001SRXRJ1 | 438254 | 9868 | SH |  | SOLE |  | 0 | 0 | 9868 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 2367707 | 3472 | SH |  | SOLE |  | 0 | 0 | 3472 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A839 | BBG001SPTBM1 | 417494 | 4932 | SH |  | SOLE |  | 0 | 0 | 4932 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 | BBG001SG4275 | 357519 | 3796 | SH |  | SOLE |  | 0 | 0 | 3796 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 | BBG001SG3JV2 | 1820373 | 20011 | SH |  | SOLE |  | 0 | 0 | 20011 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 | BBG002XRNHT5 | 268117 | 2589 | SH |  | SOLE |  | 0 | 0 | 2589 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 237100 | 486 | SH |  | SOLE |  | 0 | 0 | 486 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 224631 | 774 | SH |  | SOLE |  | 0 | 0 | 774 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 1223528 | 1951 | SH |  | SOLE |  | 0 | 0 | 1951 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 479530 | 1859 | SH |  | SOLE |  | 0 | 0 | 1859 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 421142 | 1394 | SH |  | SOLE |  | 0 | 0 | 1394 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 2343203 | 6989 | SH |  | SOLE |  | 0 | 0 | 6989 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 366594 | 1668 | SH |  | SOLE |  | 0 | 0 | 1668 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 1302438 | 20849 | SH |  | SOLE |  | 0 | 0 | 20849 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 213781 | 1490 | SH |  | SOLE |  | 0 | 0 | 1490 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 294597 | 840 | SH |  | SOLE |  | 0 | 0 | 840 |
| WISDOMTREE TR | US MIDCAP FUND | 97717W570 | BBG001SSZB66 | 792649 | 11866 | SH |  | SOLE |  | 0 | 0 | 11866 |

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