Sensible Financial Planning & Management, LLC.

RIA/Wealth

Sensible Financial Planning & Management, LLC. is a RIA/Wealth based in Bellingham, WA led by Jr. Frederick Miller, reporting $885.4M in AUM as of Q3 2025 with 100% ETF concentration, 82% concentrated in top 10 holdings, and 15% allocation to SCHP.

CEOJr. Frederick Miller

Portfolio Value: $550.7M
Positions: 31
Top Holding: SCHP at 15.12%
Last Reported: Q3 2025

Address11 Bellwether Way, Suite 301, Bellingham, WA, 98225-2956, United States

Top Holdings

Largest long holdings in Sensible Financial Planning & Management, LLC.'s portfolio (82.1% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 Schwab U.S. TIPS SCHP	ETF ETF	$83.2M	15.12%	+$1.8M Bought	— 3.1M shares	Q3 2014 Held for 11y 2m
2 Vanguard Total International Bond BNDX	ETF ETF	$83.0M	15.07%	+$3.6M Bought	— 1.7M shares	Q3 2014 Held for 11y 2m
3 iShares MBS MBB	ETF ETF	$75.7M	13.76%	+$5.5M Bought	— 796.1K shares	Q1 2022 Held for 3y 8m
4 iShares Broad USD Investment Grade Corporate Bond USIG	ETF ETF	$73.5M	13.35%	+$809.5K Bought	— 1.4M shares	Q1 2022 Held for 3y 8m
5 Vanguard S&P 500 ETF VOO	ETF ETF	$27.6M	5.01%	+$1.4M Bought	— 45.0K shares	Q4 2014 Held for 10y 11m
6 Vanguard Total Stock Market VTI	ETF ETF	$26.1M	4.73%	+$4.3K Bought	— 79.4K shares	Q4 2014 Held for 10y 11m
7 iShares 0-5 Year TIPS Bond STIP	ETF ETF	$23.0M	4.17%	+$294.6K Bought	— 222.3K shares	Q3 2014 Held for 11y 2m
8 iShares MSCI USA Momentum Factor MTUM	ETF ETF	$22.6M	4.10%	-$946.0K Sold	— 88.1K shares	Q3 2019 Held for 6y 2m
9 SPYX SPDR S&P 500 Fossil Fuel Free ETF SPYX	ETF ETF	$21.7M	3.94%	+$525.6K Bought	— 395.1K shares	Q1 2019 Held for 6y 8m
10 Vanguard Mega Cap 300 Index ETF MGC	ETF ETF	$15.5M	2.81%	-$693.2K Sold	— 63.4K shares	Q3 2019 Held for 6y 2m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Sensible Financial Planning & Management, LLC.'s latest filing

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Market Value

$550.7M

Prior: $525.3M

Q/Q Change

+4.83%

+$25.3M

Net Flows % of MV

+1.87%

Turnover Ratio

1.95%

New Purchases

0 stocks

Added To

15 stocks

+$15.9M

Sold Out Of

4 stocks

$2.6M

Reduced Holdings

15 stocks

-$3.0M

Increased Positions

Position	Shares Δ	Change
1 Vanguard Total World Bond BNDW	+20.77%	23.2K → 28.0K +$335.6K
2 DFIP Dimensional Inflation-Protected Securities DFIP	+13.9%	170.5K → 194.2K +$1.0M
3 ESGE iShares ESG Aware MSCI EM ETF ESGE	+10.4%	11.3K → 12.4K +$50.9K
4 iShares ESG Aware MSCI USA ETF ESGU	+9.97%	18.4K → 20.2K +$266.9K
5 iShares MBS MBB	+7.85%	738.1K → 796.1K +$5.5M

Decreased Positions

Position	Shares Δ	Change
1 ROE Astoria US Equal Weight Quality Kings ETF ROE	Sold	26.2K → 0 −$843.5K
2 SPDR MSCI EAFE Fossil Fuel Reserves Free EFAX	Sold	13.9K → 0 −$657.0K
3 SPDR Portfolio Intermediate Term Treasury SPTI	Sold	20.6K → 0 −$592.0K
4 DoubleLine Mortgage DMBS	Sold	10.1K → 0 −$494.9K
5 VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund VTIP	-5.07%	46.7K → 44.3K −$119.7K