# EDGAR Filing Document

**Accession Number:** 0001535172
**File Stem:** 0001398344-23-003075
**Filing Date:** 2023-2
**Character Count:** 8462
**Document Hash:** 54f2dc14143fcff1e6771f565f0850bb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-23-003075.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001398344-23-003075

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230213

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Berkshire Money Management, Inc.
- **CENTRAL INDEX KEY:** 0001535172
- **IRS NUMBER:** 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:** 23620907

**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:** 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:** 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  02-10-2023<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:** 45

**Form 13F Information Table Value Total:** $631301566

      (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 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 454060 | 10057 | SH |  | SOLE |  | 0 | 0 | 10057 |
| INNOVATOR ETFS TR | GRWT100 PWR BUF | 45782C615 |  | 387765 | 11063 | SH |  | SOLE |  | 0 | 0 | 11063 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 |  | 628475 | 11760 | SH |  | SOLE |  | 0 | 0 | 11760 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1334158 | 12096 | SH |  | SOLE |  | 0 | 0 | 12096 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 915137 | 12171 | SH |  | SOLE |  | 0 | 0 | 12171 |
| INNOVATOR ETFS TR | US EQTY BUFR JUL | 45782C789 |  | 391092 | 12652 | SH |  | SOLE |  | 0 | 0 | 12652 |
| INNOVATOR ETFS TR | GRWT100 PWR BF | 45782C466 |  | 448546 | 13013 | SH |  | SOLE |  | 0 | 0 | 13013 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2392811 | 13037 | SH |  | SOLE |  | 0 | 0 | 13037 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 259329 | 13703 | SH |  | SOLE |  | 0 | 0 | 13703 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 4840417 | 13777 | SH |  | SOLE |  | 0 | 0 | 13777 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 1150578 | 19668 | SH |  | SOLE |  | 0 | 0 | 19668 |
| PFIZER INC | COM | 717081103 |  | 1083162 | 21139 | SH |  | SOLE |  | 0 | 0 | 21139 |
| APPLE INC | COM | 037833100 |  | 2755398 | 21207 | SH |  | SOLE |  | 0 | 0 | 21207 |
| INNOVATOR ETFS TR | US EQT BUFR APR | 45782C888 |  | 710469 | 22897 | SH |  | SOLE |  | 0 | 0 | 22897 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 3357327 | 26835 | SH |  | SOLE |  | 0 | 0 | 26835 |
| INNOVATOR ETFS TR | US EQTY BUFR FEB | 45782C433 |  | 828676 | 27680 | SH |  | SOLE |  | 0 | 0 | 27680 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 5215025 | 29937 | SH |  | SOLE |  | 0 | 0 | 29937 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 2041861 | 30928 | SH |  | SOLE |  | 0 | 0 | 30928 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 4512373 | 31946 | SH |  | SOLE |  | 0 | 0 | 31946 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 2042109 | 31958 | SH |  | SOLE |  | 0 | 0 | 31958 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C748 |  | 959127 | 32263 | SH |  | SOLE |  | 0 | 0 | 32263 |
| INNOVATOR ETFS TR | US EQTY BUFR JUN | 45782C755 |  | 1403488 | 45927 | SH |  | SOLE |  | 0 | 0 | 45927 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 7339618 | 50295 | SH |  | SOLE |  | 0 | 0 | 50295 |
| INNOVATOR ETFS TR | US SML CP PWR B | 45782C474 |  | 1626446 | 54378 | SH |  | SOLE |  | 0 | 0 | 54378 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 14017736 | 65777 | SH |  | SOLE |  | 0 | 0 | 65777 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C813 |  | 2042927 | 67669 | SH |  | SOLE |  | 0 | 0 | 67669 |
| INNOVATOR ETFS TR | US EQT ULTRA BF | 45782C300 |  | 2427456 | 81705 | SH |  | SOLE |  | 0 | 0 | 81705 |
| ISHARES TR | MSCI USA VALUE | 46432F388 |  | 9082648 | 99656 | SH |  | SOLE |  | 0 | 0 | 99656 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 17757815 | 101846 | SH |  | SOLE |  | 0 | 0 | 101846 |
| INNOVATOR ETFS TR | US EQTY PWR BF | 45782C680 |  | 3450960 | 121727 | SH |  | SOLE |  | 0 | 0 | 121727 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 17763354 | 130757 | SH |  | SOLE |  | 0 | 0 | 130757 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 31955143 | 149156 | SH |  | SOLE |  | 0 | 0 | 149156 |
| INNOVATOR ETFS TR | US EQTY BUFR JAN | 45782C409 |  | 5105143 | 154514 | SH |  | SOLE |  | 0 | 0 | 154514 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C573 |  | 4763861 | 157796 | SH |  | SOLE |  | 0 | 0 | 157796 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 29568689 | 203824 | SH |  | SOLE |  | 0 | 0 | 203824 |
| INNOVATOR ETFS TR | US EQUT BUFR AUG | 45782C698 |  | 6479583 | 216325 | SH |  | SOLE |  | 0 | 0 | 216325 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 85067722 | 222440 | SH |  | SOLE |  | 0 | 0 | 222440 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 111905435 | 337746 | SH |  | SOLE |  | 0 | 0 | 337746 |
| INNOVATOR ETFS TR | US EQTY BUFR MAR | 45782C326 |  | 11692645 | 403064 | SH |  | SOLE |  | 0 | 0 | 403064 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C797 |  | 13513999 | 449418 | SH |  | SOLE |  | 0 | 0 | 449418 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 71759276 | 472567 | SH |  | SOLE |  | 0 | 0 | 472567 |
| INNOVATOR ETFS TR | US EQTY BUF SEP | 45782C664 |  | 14894305 | 491075 | SH |  | SOLE |  | 0 | 0 | 491075 |
| INNOVATOR ETFS TR | US EQTY BUF NOV | 45782C581 |  | 37228522 | 1250303 | SH |  | SOLE |  | 0 | 0 | 1250303 |
| SPDR SER TR | BLOOMBERG SHT TE | 78468R408 |  | 36869980 | 1521039 | SH |  | SOLE |  | 0 | 0 | 1521039 |
| INNOVATOR ETFS TR | US EQTY BUF OCT | 45782C771 |  | 56876920 | 1790835 | SH |  | SOLE |  | 0 | 0 | 1790835 |

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