# EDGAR Filing Document

**Accession Number:** 0001858428
**File Stem:** 0001667731-25-001073
**Filing Date:** 2025-8
**Character Count:** 11148
**Document Hash:** 4e08e9c68074b0d1fac2bc0c1d2b630b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001667731-25-001073.hdr.sgml**: 20250808

**ACCESSION NUMBER**: 0001667731-25-001073

**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:** Better Money Decisions, LLC
- **CENTRAL INDEX KEY:** 0001858428

**ORGANIZATION NAME:**
- **EIN:** 471644382
- **STATE OF INCORPORATION:** NM
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21160
- **FILM NUMBER:** 251196777

**BUSINESS ADDRESS:**
- **STREET 1:** 460 ST. MICHAELS DRIVE, SUITE 902
- **CITY:** SANTA FE
- **STATE:** NM
- **ZIP:** 87505
- **BUSINESS PHONE:** 844-507-0961

**MAIL ADDRESS:**
- **STREET 1:** 460 ST. MICHAELS DRIVE, SUITE 902
- **CITY:** SANTA FE
- **STATE:** NM
- **ZIP:** 87505

### 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:** Better Money Decisions LLC<br>**Address:** 460 St. Michaels Drive Suite 902<br>Santa Fe, NM 87505

**Form 13F File Number:** 028-21160

**CRD Number (if applicable):** 000172980

**SEC File Number (if applicable):** 801-115227

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:** Loraine Ell<br>**Title:** CEO<br>**Phone:** 844-507-0961

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

/s/ Loraine Ell  Santa Fe, NM  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:** 74

**Form 13F Information Table Value Total:** $164591682

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 729654 | 4140 | SH |  | SOLE |  | 0 | 0 | 4140 |
| AMAZON COM INC | COM | 023135106 |  | 1466842 | 6686 | SH |  | SOLE |  | 0 | 0 | 6686 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 203190 | 637 | SH |  | SOLE |  | 0 | 0 | 637 |
| APPLE INC | COM | 037833100 |  | 4110360 | 20034 | SH |  | SOLE |  | 0 | 0 | 20034 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 460996 | 949 | SH |  | SOLE |  | 0 | 0 | 949 |
| CHEVRON CORP NEW | COM | 166764100 |  | 431145 | 3011 | SH |  | SOLE |  | 0 | 0 | 3011 |
| COCA COLA CO | COM | 191216100 |  | 313159 | 4426 | SH |  | SOLE |  | 0 | 0 | 4426 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 383107 | 387 | SH |  | SOLE |  | 0 | 0 | 387 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 331727 | 11295 | SH |  | SOLE |  | 0 | 0 | 11295 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 652392 | 18203 | SH |  | SOLE |  | 0 | 0 | 18203 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 10106135 | 187289 | SH |  | SOLE |  | 0 | 0 | 187289 |
| FLEXSHARES TR | STOX US ESG SLCT | 33939L696 |  | 446953 | 3044 | SH |  | SOLE |  | 0 | 0 | 3044 |
| GE AEROSPACE | COM NEW | 369604301 |  | 205397 | 798 | SH |  | SOLE |  | 0 | 0 | 798 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 289016 | 524 | SH |  | SOLE |  | 0 | 0 | 524 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 1476656 | 28903 | SH |  | SOLE |  | 0 | 0 | 28903 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1080798 | 1741 | SH |  | SOLE |  | 0 | 0 | 1741 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 8742169 | 140957 | SH |  | SOLE |  | 0 | 0 | 140957 |
| ISHARES TR | ESG ADVNCD HY BD | 46435G441 |  | 1086928 | 22883 | SH |  | SOLE |  | 0 | 0 | 22883 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 902335 | 21743 | SH |  | SOLE |  | 0 | 0 | 21743 |
| ISHARES TR | ESG MSCI LEADR | 46435U218 |  | 304645 | 2812 | SH |  | SOLE |  | 0 | 0 | 2812 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 2446486 | 43255 | SH |  | SOLE |  | 0 | 0 | 43255 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 16732018 | 200431 | SH |  | SOLE |  | 0 | 0 | 200431 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 2136913 | 44950 | SH |  | SOLE |  | 0 | 0 | 44950 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 |  | 1738627 | 69075 | SH |  | SOLE |  | 0 | 0 | 69075 |
| ISHARES TR | USD GRN BOND ETF | 46435U440 |  | 768065 | 16112 | SH |  | SOLE |  | 0 | 0 | 16112 |
| ISHARES TR | US INDUSTRIALS | 464287754 |  | 500642 | 3518 | SH |  | SOLE |  | 0 | 0 | 3518 |
| ISHARES TR | ESG SELECT SCRE | 46436E569 |  | 4226073 | 88618 | SH |  | SOLE |  | 0 | 0 | 88618 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1014039 | 9278 | SH |  | SOLE |  | 0 | 0 | 9278 |
| ISHARES TR | ESG SELECT SCREE | 46436E544 |  | 1362498 | 34450 | SH |  | SOLE |  | 0 | 0 | 34450 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 15885072 | 301082 | SH |  | SOLE |  | 0 | 0 | 301082 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 1086939 | 6273 | SH |  | SOLE |  | 0 | 0 | 6273 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 1951610 | 24199 | SH |  | SOLE |  | 0 | 0 | 24199 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 860163 | 2967 | SH |  | SOLE |  | 0 | 0 | 2967 |
| KKR  CO INC | COM | 48251W104 |  | 249032 | 1872 | SH |  | SOLE |  | 0 | 0 | 1872 |
| LOWES COS INC | COM | 548661107 |  | 322821 | 1455 | SH |  | SOLE |  | 0 | 0 | 1455 |
| META PLATFORMS INC | CL A | 30303M102 |  | 523045 | 709 | SH |  | SOLE |  | 0 | 0 | 709 |
| MICROSOFT CORP | COM | 594918104 |  | 1740160 | 3498 | SH |  | SOLE |  | 0 | 0 | 3498 |
| NETFLIX INC | COM | 64110L106 |  | 895878 | 669 | SH |  | SOLE |  | 0 | 0 | 669 |
| NUSHARES ETF TR | NUVEEN ESG INTL | 67092P805 |  | 4489644 | 126504 | SH |  | SOLE |  | 0 | 0 | 126504 |
| NUSHARES ETF TR | NUVEEN ESG EMRGN | 67092P888 |  | 911870 | 27458 | SH |  | SOLE |  | 0 | 0 | 27458 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 |  | 859921 | 20516 | SH |  | SOLE |  | 0 | 0 | 20516 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1584956 | 10032 | SH |  | SOLE |  | 0 | 0 | 10032 |
| PGIM ETF TR | ACTV HY BD ETF | 69344A206 |  | 505730 | 14250 | SH |  | SOLE |  | 0 | 0 | 14250 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 216919 | 8876 | SH |  | SOLE |  | 0 | 0 | 8876 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 228620 | 8150 | SH |  | SOLE |  | 0 | 0 | 8150 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 200328 | 791 | SH |  | SOLE |  | 0 | 0 | 791 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 1498128 | 37000 | SH |  | SOLE |  | 0 | 0 | 37000 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 11250169 | 263223 | SH |  | SOLE |  | 0 | 0 | 263223 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 457692 | 741 | SH |  | SOLE |  | 0 | 0 | 741 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 4848082 | 189378 | SH |  | SOLE |  | 0 | 0 | 189378 |
| SPDR SERIES TRUST | PRTFLO S GW | 78464A409 |  | 1452065 | 15234 | SH |  | SOLE |  | 0 | 0 | 15234 |
| SPDR SERIES TRUST | BLOOMBERG INVT | 78468R200 |  | 6397104 | 207496 | SH |  | SOLE |  | 0 | 0 | 207496 |
| SPDR SERIES TRUST | PORTFOLI S | 78464A805 |  | 1436200 | 19177 | SH |  | SOLE |  | 0 | 0 | 19177 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 1918087 | 36647 | SH |  | SOLE |  | 0 | 0 | 36647 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 420525 | 13929 | SH |  | SOLE |  | 0 | 0 | 13929 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 14772926 | 504368 | SH |  | SOLE |  | 0 | 0 | 504368 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 217204 | 959 | SH |  | SOLE |  | 0 | 0 | 959 |
| TESLA INC | COM | 88160R101 |  | 789703 | 2486 | SH |  | SOLE |  | 0 | 0 | 2486 |
| TOAST INC | CL A | 888787108 |  | 665280 | 15021 | SH |  | SOLE |  | 0 | 0 | 15021 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 226298 | 1376 | SH |  | SOLE |  | 0 | 0 | 1376 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 315925 | 1107 | SH |  | SOLE |  | 0 | 0 | 1107 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 6986224 | 12299 | SH |  | SOLE |  | 0 | 0 | 12299 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 415321 | 1484 | SH |  | SOLE |  | 0 | 0 | 1484 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 4563514 | 19257 | SH |  | SOLE |  | 0 | 0 | 19257 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 658622 | 2167 | SH |  | SOLE |  | 0 | 0 | 2167 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 314277 | 3953 | SH |  | SOLE |  | 0 | 0 | 3953 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 4100053 | 49446 | SH |  | SOLE |  | 0 | 0 | 49446 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 680134 | 3323 | SH |  | SOLE |  | 0 | 0 | 3323 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 577149 | 4329 | SH |  | SOLE |  | 0 | 0 | 4329 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 477043 | 3636 | SH |  | SOLE |  | 0 | 0 | 3636 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 454401 | 4144 | SH |  | SOLE |  | 0 | 0 | 4144 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 263693 | 398 | SH |  | SOLE |  | 0 | 0 | 398 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 967782 | 3897 | SH |  | SOLE |  | 0 | 0 | 3897 |
| WISDOMTREE TR | US SMALLCAP DIVD | 97717W604 |  | 306408 | 9648 | SH |  | SOLE |  | 0 | 0 | 9648 |

---