BetterWealth, LLC

2. Key Holdings

The portfolio is heavily concentrated at the top, with the three largest positions accounting for approximately 47.1% of total assets.

• DFAC (Dimensional US Core Equity 2 ETF): This is the dominant position, comprising 25.29% of the portfolio ($110.89M). This indicates a strong conviction in a systematic, factor-based approach to US equities, focusing on small and value companies.
• DFAX (Dimensional US Core Equity Market II ETF): The second-largest holding at 13.59% ($59.59M) reinforces the firm's preference for Dimensional Fund Advisors' (DFA) strategies, likely providing broader large-cap exposure to complement the small-cap tilt of DFAC.
• Fixed Income Exposure: The third and sixth largest positions are BIV (Vanguard Intermediate-Term Bond ETF) and BSV (Vanguard Short-Term Bond ETF), representing 8.26% and 4.94% of the portfolio, respectively. These were new positions this quarter, signaling a major strategic pivot toward capital preservation and income generation.
• Apple Inc. (AAPL): The only individual stock to break the top 5, AAPL represents 8.19% ($35.91M). This is a notable active bet on large-cap technology, standing apart from the systematic ETF exposures that dominate the rest of the portfolio.