0001768302-23-000003.txt : 20230810 0001768302-23-000003.hdr.sgml : 20230810 20230810151115 ACCESSION NUMBER: 0001768302-23-000003 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230630 FILED AS OF DATE: 20230810 DATE AS OF CHANGE: 20230810 EFFECTIVENESS DATE: 20230810 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ERn Financial, LLC CENTRAL INDEX KEY: 0001768302 IRS NUMBER: 825499775 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-19425 FILM NUMBER: 231158886 BUSINESS ADDRESS: STREET 1: 8215 GREENWAY BOULEVARD STREET 2: SUITE 540 CITY: MIDDLETON STATE: WI ZIP: 53562 BUSINESS PHONE: 6086651714 MAIL ADDRESS: STREET 1: 8215 GREENWAY BOULEVARD STREET 2: SUITE 540 CITY: MIDDLETON STATE: WI ZIP: 53562 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false true false 0001768302 XXXXXXXX 06-30-2023 06-30-2023 ERn Financial, LLC

8215 GREENWAY BOULEVARD SUITE 540 MIDDLETON WI 53562

13F HOLDINGS REPORT 028-19425 000297717 801-113774 N Scott O. Conwell 6086651714 Scott O. Conwell Middleton WI 08-10-2023 0 167 477718980 false INFORMATION TABLE 2 ErnFinancial_13f.xml 2023 Q2 ERN FINANCIAL ABBVIE INC COM 00287Y109 203568 1511 SH SOLE 0 0 0 1511 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 849374 2753 SH SOLE 0 0 0 2753 ADOBE SYSTEMS INCORPORATED COM 00724F101 819495 1676 SH SOLE 0 0 0 1676 ALGONQUIN PWR UTILS CORP COM 015857105 112096 13571 SH SOLE 0 0 0 13571 ALPHABET INC CAP STK CL A 02079K305 1630434 13621 SH SOLE 0 0 0 13621 ALPHABET INC CAP STK CL C 02079K107 476017 3935 SH SOLE 0 0 0 3935 ALPS ETF TR CLEAN ENERGY 00162Q460 1762534 39011 SH SOLE 0 0 0 39011 ALTRIA GROUP INC COM 02209S103 400001 8830 SH SOLE 0 0 0 8830 AMAZON COM INC COM 023135106 2282413 17509 SH SOLE 0 0 0 17509 AMERICAN CENTY ETF TR US SML CP VALU 025072877 2983575 38443 SH SOLE 0 0 0 38443 AMERICAN CENTY ETF TR FOCUSED DYNAMIC 025072810 4992270 76032 SH SOLE 0 0 0 76032 AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505 1693150 33863 SH SOLE 0 0 0 33863 AMERICAN CENTY ETF TR FOCUSED LRG CAP 025072794 9584243 160463 SH SOLE 0 0 0 160463 AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 9744344 181088 SH SOLE 0 0 0 181088 AMERICAN EXPRESS CO COM 025816109 528697 3035 SH SOLE 0 0 0 3035 AMERIPRISE FINL INC COM 03076C106 588588 1772 SH SOLE 0 0 0 1772 APPLE INC COM 037833100 7644763 39412 SH SOLE 0 0 0 39412 AT&T INC COM 00206R102 377477 23666 SH SOLE 0 0 0 23666 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1591447 4667 SH SOLE 0 0 0 4667 BLACKROCK INC COM 09247X101 555320 803 SH SOLE 0 0 0 803 BOEING CO COM 097023105 254237 1204 SH SOLE 0 0 0 1204 BROADCOM INC COM 11135F101 244326 282 SH SOLE 0 0 0 282 CAMDEN PPTY TR SH BEN INT 133131102 533839 4903 SH SOLE 0 0 0 4903 CHEVRON CORP NEW COM 166764100 950166 6039 SH SOLE 0 0 0 6039 CHIPOTLE MEXICAN GRILL INC COM 169656105 626727 293 SH SOLE 0 0 0 293 CLOROX CO DEL COM 189054109 208342 1310 SH SOLE 0 0 0 1310 COSTCO WHSL CORP NEW COM 22160K105 1171806 2177 SH SOLE 0 0 0 2177 CREDIT ACCEP CORP MICH COM 225310101 1066653 2100 SH SOLE 0 0 0 2100 DEERE & CO COM 244199105 1372577 3387 SH SOLE 0 0 0 3387 DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 1927926 46200 SH SOLE 0 0 0 46200 DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 976285 42782 SH SOLE 0 0 0 42782 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 835053 30757 SH SOLE 0 0 0 30757 DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 7029214 226822 SH SOLE 0 0 0 226822 DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 7347075 315190 SH SOLE 0 0 0 315190 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 4309429 157739 SH SOLE 0 0 0 157739 DISNEY WALT CO COM 254687106 781588 8754 SH SOLE 0 0 0 8754 ENBRIDGE INC COM 29250N105 438903 11814 SH SOLE 0 0 0 11814 EXACT SCIENCES CORP COM 30063P105 631759 6728 SH SOLE 0 0 0 6728 EXXON MOBIL CORP COM 30231G102 1334477 12443 SH SOLE 0 0 0 12443 FAIR ISAAC CORP COM 303250104 1103762 1364 SH SOLE 0 0 0 1364 FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 523069 11516 SH SOLE 0 0 0 11516 FIDELITY NATL INFORMATION SV COM 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INF 33939L795 728806 13918 SH SOLE 0 0 0 13918 FORD MTR CO DEL COM 345370860 354833 23452 SH SOLE 0 0 0 23452 GALLAGHER ARTHUR J & CO COM 363576109 548705 2499 SH SOLE 0 0 0 2499 GENERAL DYNAMICS CORP COM 369550108 283353 1317 SH SOLE 0 0 0 1317 GLOBAL X FDS CYBRSCURTY ETF 37954Y384 1522051 62739 SH SOLE 0 0 0 62739 GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 1048137 16120 SH SOLE 0 0 0 16120 GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101 316864 5044 SH SOLE 0 0 0 5044 HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 7960365 209263 SH SOLE 0 0 0 209263 HCA HEALTHCARE INC COM 40412C101 649844 2141 SH SOLE 0 0 0 2141 HOME DEPOT INC COM 437076102 883590 2844 SH SOLE 0 0 0 2844 HONEYWELL INTL INC COM 438516106 1228167 5919 SH SOLE 0 0 0 5919 INTERNATIONAL BUSINESS MACHS COM 459200101 244305 1826 SH SOLE 0 0 0 1826 INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 398527 7701 SH SOLE 0 0 0 7701 INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 30891759 386147 SH SOLE 0 0 0 386147 INVESCO EXCH TRD SLF IDX FD RUSL 2000 DYNM 46138J593 635427 17539 SH SOLE 0 0 0 17539 INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 20634970 421294 SH SOLE 0 0 0 421294 INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 2960824 32615 SH SOLE 0 0 0 32615 INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 457639 9439 SH SOLE 0 0 0 9439 INVESCO QQQ TR UNIT SER 1 46090E103 411534 1114 SH SOLE 0 0 0 1114 ISHARES INC MSCI EM ASIA ETF 464286426 1930986 29386 SH SOLE 0 0 0 29386 ISHARES TR ESG AW MSCI EAFE 46435G516 544714 7469 SH SOLE 0 0 0 7469 ISHARES TR CORE S&P US VLU 464287663 757756 9683 SH SOLE 0 0 0 9683 ISHARES TR MSCI EAFE MIN VL 46429B689 1632015 24178 SH SOLE 0 0 0 24178 ISHARES TR MSCI USA QLT FCT 46432F339 10067672 74647 SH SOLE 0 0 0 74647 ISHARES TR CORE S&P MCP ETF 464287507 2173504 8312 SH SOLE 0 0 0 8312 ISHARES TR CORE MSCI EAFE 46432F842 7451332 110390 SH SOLE 0 0 0 110390 ISHARES TR 0-5YR HI YL CP 46434V407 257457 6211 SH SOLE 0 0 0 6211 ISHARES TR MSCI EAFE ETF 464287465 5665202 78141 SH SOLE 0 0 0 78141 ISHARES TR GLOBAL REIT ETF 46434V647 5465135 237925 SH SOLE 0 0 0 237925 ISHARES TR EAFE GRWTH ETF 464288885 234899 2462 SH SOLE 0 0 0 2462 ISHARES TR CRE U S REIT ETF 464288521 7490912 145709 SH SOLE 0 0 0 145709 ISHARES TR ESG AWR MSCI USA 46435G425 644893 6617 SH SOLE 0 0 0 6617 ISHARES TR CORE S&P SCP ETF 464287804 5645342 56652 SH SOLE 0 0 0 56652 ISHARES TR MSCI EMG MKT ETF 464287234 1578207 39894 SH SOLE 0 0 0 39894 ISHARES TR RUS 1000 GRW ETF 464287614 273804 995 SH SOLE 0 0 0 995 ISHARES TR MSCI USA MMENTM 46432F396 1471494 10201 SH SOLE 0 0 0 10201 ISHARES TR CORE S&P500 ETF 464287200 1388398 3115 SH SOLE 0 0 0 3115 J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 962958 19012 SH SOLE 0 0 0 19012 J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1622730 32306 SH SOLE 0 0 0 32306 JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 11229606 225993 SH SOLE 0 0 0 225993 JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 2446557 44572 SH SOLE 0 0 0 44572 JOHNSON & JOHNSON COM 478160104 1070029 6465 SH SOLE 0 0 0 6465 JPMORGAN CHASE & CO COM 46625H100 1084772 7459 SH SOLE 0 0 0 7459 KLA CORP COM NEW 482480100 773220 1594 SH SOLE 0 0 0 1594 LILLY ELI & CO COM 532457108 413880 883 SH SOLE 0 0 0 883 MCDONALDS CORP COM 580135101 492078 1649 SH SOLE 0 0 0 1649 MERCK & CO INC COM 58933Y105 286398 2482 SH SOLE 0 0 0 2482 META PLATFORMS INC CL A 30303M102 282962 986 SH SOLE 0 0 0 986 MGE ENERGY INC COM 55277P104 245857 3108 SH SOLE 0 0 0 3108 MICROSOFT CORP COM 594918104 3634856 10674 SH SOLE 0 0 0 10674 NETFLIX INC COM 64110L106 217162 493 SH SOLE 0 0 0 493 NEXTERA ENERGY INC COM 65339F101 864189 11647 SH SOLE 0 0 0 11647 NORTHROP GRUMMAN CORP COM 666807102 397002 871 SH SOLE 0 0 0 871 NVIDIA CORPORATION COM 67066G104 1643135 3884 SH SOLE 0 0 0 3884 ORACLE CORP COM 68389X105 1413003 11865 SH SOLE 0 0 0 11865 PACER FDS TR US CASH COWS 100 69374H881 2161331 45150 SH SOLE 0 0 0 45150 PAYPAL HLDGS INC COM 70450Y103 372954 5589 SH SOLE 0 0 0 5589 PENSKE AUTOMOTIVE GRP INC COM 70959W103 505056 3031 SH SOLE 0 0 0 3031 PEPSICO INC COM 713448108 909001 4908 SH SOLE 0 0 0 4908 PHILIP MORRIS INTL INC COM 718172109 478169 4898 SH SOLE 0 0 0 4898 PIMCO ETF TR INTER MUN BD ACT 72201R866 2713243 52339 SH SOLE 0 0 0 52339 PINNACLE WEST CAP CORP COM 723484101 672208 8252 SH SOLE 0 0 0 8252 PROCTER AND GAMBLE CO COM 742718109 275144 1813 SH SOLE 0 0 0 1813 RAYTHEON TECHNOLOGIES CORP COM 75513E101 244813 2499 SH SOLE 0 0 0 2499 REYNOLDS CONSUMER PRODS INC COM 76171L106 338431 11980 SH SOLE 0 0 0 11980 ROCKWELL AUTOMATION INC COM 773903109 328626 998 SH SOLE 0 0 0 998 S&P GLOBAL INC COM 78409V104 841546 2099 SH SOLE 0 0 0 2099 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 359516 6865 SH SOLE 0 0 0 6865 SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 650391 7848 SH SOLE 0 0 0 7848 SOLAREDGE TECHNOLOGIES INC COM 83417M104 526531 1957 SH SOLE 0 0 0 1957 SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 13373165 388981 SH SOLE 0 0 0 388981 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 13729694 421933 SH SOLE 0 0 0 421933 SPDR S&P 500 ETF TR TR UNIT 78462F103 1204141 2716 SH SOLE 0 0 0 2716 SPDR SER TR PORTFLI TIPS ETF 78464A656 4200582 162561 SH SOLE 0 0 0 162561 SPDR SER TR S&P 600 SMCP VAL 78464A300 1915331 24813 SH SOLE 0 0 0 24813 SPDR SER TR S&P 600 SMCP GRW 78464A201 4731299 61477 SH SOLE 0 0 0 61477 SPDR SER TR PORTFOLIO AGRGTE 78464A649 4830500 190402 SH SOLE 0 0 0 190402 SPDR SER TR PORTFOLIO S&P600 78468R853 2469087 63571 SH SOLE 0 0 0 63571 SPDR SER TR PRTFLO S&P500 GW 78464A409 12954859 212340 SH SOLE 0 0 0 212340 SPDR SER TR S&P 400 MDCP VAL 78464A839 13535200 196790 SH SOLE 0 0 0 196790 SPDR SER TR S&P OILGAS EXP 78468R556 320525 2488 SH SOLE 0 0 0 2488 SPDR SER TR PORTFOLIO S&P500 78464A854 2923547 56103 SH SOLE 0 0 0 56103 SPDR SER TR PRTFLO S&P500 VL 78464A508 6189866 143284 SH SOLE 0 0 0 143284 SPDR SER TR BBG CONV SEC ETF 78464A359 378620 5413 SH SOLE 0 0 0 5413 SPDR SER TR PORTFOLIO S&P400 78464A847 544485 11865 SH SOLE 0 0 0 11865 SPDR SER TR S&P 400 MDCP GRW 78464A821 5417234 75607 SH SOLE 0 0 0 75607 STRYKER CORPORATION COM 863667101 1474621 4833 SH SOLE 0 0 0 4833 T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 2979117 106855 SH SOLE 0 0 0 106855 TESLA INC COM 88160R101 3342161 12768 SH SOLE 0 0 0 12768 THERMO FISHER SCIENTIFIC INC COM 883556102 816680 1565 SH SOLE 0 0 0 1565 UNION PAC CORP COM 907818108 1026037 5014 SH SOLE 0 0 0 5014 UNITED PARCEL SERVICE INC CL B 911312106 277202 1546 SH SOLE 0 0 0 1546 UNITEDHEALTH GROUP INC COM 91324P102 1167319 2429 SH SOLE 0 0 0 2429 VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1843591 12109 SH SOLE 0 0 0 12109 VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 28065018 110453 SH SOLE 0 0 0 110453 VANGUARD INDEX FDS SM CP VAL ETF 922908611 432916 2617 SH SOLE 0 0 0 2617 VANGUARD INDEX FDS TOTAL STK MKT 922908769 433749 1969 SH SOLE 0 0 0 1969 VANGUARD INDEX FDS SMALL CP ETF 922908751 713021 3585 SH SOLE 0 0 0 3585 VANGUARD INDEX FDS SML CP GRW ETF 922908595 803599 3498 SH SOLE 0 0 0 3498 VANGUARD INDEX FDS GROWTH ETF 922908736 6723301 23761 SH SOLE 0 0 0 23761 VANGUARD INDEX FDS VALUE ETF 922908744 2197387 15464 SH SOLE 0 0 0 15464 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 578260 4179 SH SOLE 0 0 0 4179 VANGUARD INDEX FDS MID CAP ETF 922908629 2443556 11099 SH SOLE 0 0 0 11099 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4461295 10954 SH SOLE 0 0 0 10954 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1934579 9402 SH SOLE 0 0 0 9402 VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 4075634 57598 SH SOLE 0 0 0 57598 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1013076 6237 SH SOLE 0 0 0 6237 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 14608150 316331 SH SOLE 0 0 0 316331 VERIZON COMMUNICATIONS INC COM 92343V104 275348 7404 SH SOLE 0 0 0 7404 VERRA MOBILITY CORP CL A COM STK 92511U102 956558 48507 SH SOLE 0 0 0 48507 VISA INC COM CL A 92826C839 1075082 4527 SH SOLE 0 0 0 4527 WALMART INC COM 931142103 390176 2482 SH SOLE 0 0 0 2482 WRAP TECHNOLOGIES INC COM 98212N107 14600 10000 SH SOLE 0 0 0 10000 ZILLOW GROUP INC CL C CAP STK 98954M200 439574 8746 SH SOLE 0 0 0 8746