COO/CCO

0001768302-22-000001.txt : 20220211 0001768302-22-000001.hdr.sgml : 20220211 20220211124154 ACCESSION NUMBER: 0001768302-22-000001 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20211231 FILED AS OF DATE: 20220211 DATE AS OF CHANGE: 20220211 EFFECTIVENESS DATE: 20220211 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: 22618709 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 13F-HR LIVE false true false 0001768302 XXXXXXXX 12-31-2021 12-31-2021 ERn Financial, LLC

8215 GREENWAY BOULEVARD SUITE 540 MIDDLETON WI 53562

13F HOLDINGS REPORT 028-19425 N Scott O. Conwell COO/CCO 6086651714 Scott O. Conwell Middleton WI 02-11-2022 0 156 448162 false INFORMATION TABLE 2 ErnFinancial_13f.xml 2021 Q4 ERN FINANCIAL 3M CO COM 88579Y101 228 1285 SH SOLE 0 0 0 1285 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1213 2927 SH SOLE 0 0 0 2927 ALIGN TECHNOLOGY INC COM 016255101 218 332 SH SOLE 0 0 0 332 ALPHABET INC CAP STK CL A 02079K305 414 143 SH SOLE 0 0 0 143 ALPHABET INC CAP STK CL C 02079K107 535 185 SH SOLE 0 0 0 185 ALPS ETF TR CLEAN ENERGY 00162Q460 5399 84155 SH SOLE 0 0 0 84155 ALTRIA GROUP INC COM 02209S103 384 8099 SH SOLE 0 0 0 8099 AMAZON COM INC COM 023135106 1584 475 SH SOLE 0 0 0 475 AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505 706 12787 SH SOLE 0 0 0 12787 AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 1341 21181 SH SOLE 0 0 0 21181 AMERICAN CENTY ETF TR FOCUSED LRG CAP 025072794 7614 124435 SH SOLE 0 0 0 124435 AMERICAN CENTY ETF TR FOCUSED DYNAMIC 025072810 2623 32492 SH SOLE 0 0 0 32492 AMERICAN EXPRESS CO COM 025816109 483 2954 SH SOLE 0 0 0 2954 AMERIPRISE FINL INC COM 03076C106 528 1750 SH SOLE 0 0 0 1750 APPLE INC COM 037833100 4483 25246 SH SOLE 0 0 0 25246 APTIV PLC SHS G6095L109 256 1552 SH SOLE 0 0 0 1552 ARK ETF TR INNOVATION ETF 00214Q104 207 2185 SH SOLE 0 0 0 2185 ARK ETF TR GENOMIC REV ETF 00214Q302 6027 98417 SH SOLE 0 0 0 98417 AT&T INC COM 00206R102 618 25122 SH SOLE 0 0 0 25122 BANCO SANTANDER S.A. ADR 05964H105 33 10048 SH SOLE 0 0 0 10048 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 580 1941 SH SOLE 0 0 0 1941 BOEING CO COM 097023105 265 1317 SH SOLE 0 0 0 1317 CHEVRON CORP NEW COM 166764100 200 1707 SH SOLE 0 0 0 1707 CLOROX CO DEL COM 189054109 229 1312 SH SOLE 0 0 0 1312 COSTCO WHSL CORP NEW COM 22160K105 318 561 SH SOLE 0 0 0 561 CREDIT ACCEP CORP MICH COM 225310101 1444 2100 SH SOLE 0 0 0 2100 DEERE & CO COM 244199105 711 2074 SH SOLE 0 0 0 2074 DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 2284 69222 SH SOLE 0 0 0 69222 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1124 38816 SH SOLE 0 0 0 38816 DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 2730 104573 SH SOLE 0 0 0 104573 DISNEY WALT CO COM 254687106 307 1985 SH SOLE 0 0 0 1985 ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 4377 71223 SH SOLE 0 0 0 71223 EXACT SCIENCES CORP COM 30063P105 257 3303 SH SOLE 0 0 0 3303 EXXON MOBIL CORP COM 30231G102 850 13886 SH SOLE 0 0 0 13886 FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 6389 114261 SH SOLE 0 0 0 114261 FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 743 14020 SH SOLE 0 0 0 14020 FIDELITY NATL INFORMATION SV COM 31620M106 693 6350 SH SOLE 0 0 0 6350 FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 13293 233289 SH SOLE 0 0 0 233289 FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 2232 42280 SH SOLE 0 0 0 42280 FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 11760 235243 SH SOLE 0 0 0 235243 FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 4348 51426 SH SOLE 0 0 0 51426 FIRST TR EXCHNG TRADED FD VI FT CBOE DEEP BFR 33740U406 3527 107485 SH SOLE 0 0 0 107485 FIRST TR EXCHNG TRADED FD VI US EQT DEEP DUFR 33740F771 5200 147548 SH SOLE 0 0 0 147548 FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 12460 234147 SH SOLE 0 0 0 234147 FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888 233 8822 SH SOLE 0 0 0 8822 FIRST TR VALUE LINE DIVID IN SHS 33734H106 3377 78454 SH SOLE 0 0 0 78454 FISERV INC COM 337738108 327 3146 SH SOLE 0 0 0 3146 FORD MTR CO DEL COM 345370860 298 14337 SH SOLE 0 0 0 14337 GENERAL DYNAMICS CORP COM 369550108 268 1285 SH SOLE 0 0 0 1285 GLOBAL X FDS US INFR DEV ETF 37954Y673 3869 134398 SH SOLE 0 0 0 134398 GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 333 3946 SH SOLE 0 0 0 3946 HOME DEPOT INC COM 437076102 303 729 SH SOLE 0 0 0 729 INTERNATIONAL BUSINESS MACHS COM 459200101 213 1591 SH SOLE 0 0 0 1591 INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 450 7701 SH SOLE 0 0 0 7701 INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 7273 90955 SH SOLE 0 0 0 90955 INVESCO EXCH TRD SLF IDX FD RUSL 2000 DYNM 46138J593 428 10166 SH SOLE 0 0 0 10166 INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 14319 282419 SH SOLE 0 0 0 282419 INVESCO EXCH TRD SLF IDX FD INTL DEV DYNAMIC 46138J437 2157 82562 SH SOLE 0 0 0 82562 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 20452 125668 SH SOLE 0 0 0 125668 ISHARES TR MSCI EMG MKT ETF 464287234 8318 170278 SH SOLE 0 0 0 170278 ISHARES TR EAFE GRWTH ETF 464288885 12468 113048 SH SOLE 0 0 0 113048 ISHARES TR ISHARES SEMICDTR 464287523 6430 11856 SH SOLE 0 0 0 11856 ISHARES TR U.S. TECH ETF 464287721 835 7269 SH SOLE 0 0 0 7269 ISHARES TR MSCI EAFE ETF 464287465 7767 98716 SH SOLE 0 0 0 98716 ISHARES TR CORE S&P MCP ETF 464287507 2280 8053 SH SOLE 0 0 0 8053 ISHARES TR CORE S&P SCP ETF 464287804 7512 65604 SH SOLE 0 0 0 65604 ISHARES TR CORE S&P500 ETF 464287200 1769 3708 SH SOLE 0 0 0 3708 ISHARES TR RUS 1000 VAL ETF 464287598 247 1472 SH SOLE 0 0 0 1472 ISHARES TR RUS 1000 GRW ETF 464287614 315 1031 SH SOLE 0 0 0 1031 ISHARES TR CORE S&P US VLU 464287663 1462 19154 SH SOLE 0 0 0 19154 ISHARES TR CORE S&P US GWT 464287671 440 3808 SH SOLE 0 0 0 3808 ISHARES TR ESG AWR MSCI USA 46435G425 587 5437 SH SOLE 0 0 0 5437 ISHARES TR MSCI INTL MULTFT 46434V274 747 25934 SH SOLE 0 0 0 25934 ISHARES TR GLOBAL REIT ETF 46434V647 4677 152794 SH SOLE 0 0 0 152794 ISHARES TR CORE MSCI EAFE 46432F842 5249 70328 SH SOLE 0 0 0 70328 ISHARES TR GLB INFRASTR ETF 464288372 232 4877 SH SOLE 0 0 0 4877 ISHARES TR CRE U S REIT ETF 464288521 10815 160003 SH SOLE 0 0 0 160003 ISHARES TR NATIONAL MUN ETF 464288414 3868 33263 SH SOLE 0 0 0 33263 ISHARES TR MSCI USA MMENTM 46432F396 3098 17040 SH SOLE 0 0 0 17040 ISHARES TR MSCI USA QLT FCT 46432F339 13908 95548 SH SOLE 0 0 0 95548 ISHARES TR 0-5YR HI YL CP 46434V407 411 9066 SH SOLE 0 0 0 9066 ISHARES TR MSCI EAFE MIN VL 46429B689 2487 32401 SH SOLE 0 0 0 32401 ISHARES TR ESG AW MSCI EAFE 46435G516 511 6426 SH SOLE 0 0 0 6426 J P MORGAN EXCHANGE-TRADED F SHORT DURA CORE 46641Q274 7161 144002 SH SOLE 0 0 0 144002 J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 2715 53179 SH SOLE 0 0 0 53179 JANUS DETROIT STR TR HENDERSON MTG 47103U852 1468 27871 SH SOLE 0 0 0 27871 JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 13196 237383 SH SOLE 0 0 0 237383 JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 3334 56085 SH SOLE 0 0 0 56085 JOHNSON & JOHNSON COM 478160104 297 1739 SH SOLE 0 0 0 1739 LOWES COS INC COM 548661107 251 971 SH SOLE 0 0 0 971 MCDONALDS CORP COM 580135101 433 1616 SH SOLE 0 0 0 1616 META PLATFORMS INC CL A 30303M102 396 1178 SH SOLE 0 0 0 1178 MICROSOFT CORP COM 594918104 2023 6015 SH SOLE 0 0 0 6015 NEXTERA ENERGY INC COM 65339F101 473 5069 SH SOLE 0 0 0 5069 NIKE INC CL B 654106103 250 1501 SH SOLE 0 0 0 1501 NORFOLK SOUTHN CORP COM 655844108 691 2323 SH SOLE 0 0 0 2323 NVIDIA CORPORATION COM 67066G104 346 1175 SH SOLE 0 0 0 1175 ORACLE CORP COM 68389X105 658 7543 SH SOLE 0 0 0 7543 PACER FDS TR BNCHMRK INDSTR 69374H766 1732 30914 SH SOLE 0 0 0 30914 PACER FDS TR BNCHMRK INFRA 69374H741 1725 39867 SH SOLE 0 0 0 39867 PENSKE AUTOMOTIVE GRP INC COM 70959W103 537 5008 SH SOLE 0 0 0 5008 PFIZER INC COM 717081103 219 3716 SH SOLE 0 0 0 3716 PHILIP MORRIS INTL INC COM 718172109 563 5922 SH SOLE 0 0 0 5922 PIMCO ETF TR INTER MUN BD ACT 72201R866 3696 65763 SH SOLE 0 0 0 65763 PINNACLE WEST CAP CORP COM 723484101 291 4123 SH SOLE 0 0 0 4123 PPG INDS INC COM 693506107 1639 9506 SH SOLE 0 0 0 9506 PROCTER AND GAMBLE CO COM 742718109 257 1572 SH SOLE 0 0 0 1572 QUALCOMM INC COM 747525103 209 1143 SH SOLE 0 0 0 1143 ROCKWELL AUTOMATION INC COM 773903109 636 1823 SH SOLE 0 0 0 1823 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 370 3247 SH SOLE 0 0 0 3247 SELECT SECTOR SPDR TR ENERGY 81369Y506 1751 31543 SH SOLE 0 0 0 31543 SKYWORKS SOLUTIONS INC COM 83088M102 229 1473 SH SOLE 0 0 0 1473 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 14781 405177 SH SOLE 0 0 0 405177 SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 17573 423557 SH SOLE 0 0 0 423557 SPDR S&P 500 ETF TR TR UNIT 78462F103 873 1837 SH SOLE 0 0 0 1837 SPDR SER TR S&P 600 SMCP VAL 78464A300 2619 30913 SH SOLE 0 0 0 30913 SPDR SER TR S&P 600 SMCP GRW 78464A201 2301 24791 SH SOLE 0 0 0 24791 SPDR SER TR PRTFLO S&P500 GW 78464A409 13483 186044 SH SOLE 0 0 0 186044 SPDR SER TR PRTFLO S&P500 VL 78464A508 8526 203007 SH SOLE 0 0 0 203007 SPDR SER TR S&P BIOTECH 78464A870 315 2817 SH SOLE 0 0 0 2817 SPDR SER TR S&P 400 MDCP VAL 78464A839 10078 141746 SH SOLE 0 0 0 141746 SPDR SER TR BLOOMBERG CONV 78464A359 447 5389 SH SOLE 0 0 0 5389 SPDR SER TR PORTFOLIO S&P400 78464A847 537 10794 SH SOLE 0 0 0 10794 SPDR SER TR S&P 400 MDCP GRW 78464A821 3787 46454 SH SOLE 0 0 0 46454 SPDR SER TR PORTFOLIO S&P500 78464A854 3150 56421 SH SOLE 0 0 0 56421 SPDR SER TR PORTFLI TIPS ETF 78464A656 4250 134909 SH SOLE 0 0 0 134909 SPDR SER TR BLOOMBERG 1-3 MO 78468R663 362 3959 SH SOLE 0 0 0 3959 SPDR SER TR PORTFOLIO AGRGTE 78464A649 4268 144106 SH SOLE 0 0 0 144106 SPDR SER TR PORTFOLIO S&P600 78468R853 2385 53360 SH SOLE 0 0 0 53360 STELLANTIS N.V SHS N82405106 259 13780 SH SOLE 0 0 0 13780 STRYKER CORPORATION COM 863667101 516 1930 SH SOLE 0 0 0 1930 T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 566 17058 SH SOLE 0 0 0 17058 TESLA INC COM 88160R101 1752 1658 SH SOLE 0 0 0 1658 TRINITY CAP INC COM 896442308 293 16666 SH SOLE 0 0 0 16666 UNITEDHEALTH GROUP INC COM 91324P102 349 695 SH SOLE 0 0 0 695 VANECK ETF TRUST INVESTMENT GRD 92189F486 6822 269973 SH SOLE 0 0 0 269973 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4638 10623 SH SOLE 0 0 0 10623 VANGUARD INDEX FDS TOTAL STK MKT 922908769 478 1980 SH SOLE 0 0 0 1980 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2263 8887 SH SOLE 0 0 0 8887 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 669 4447 SH SOLE 0 0 0 4447 VANGUARD INDEX FDS SML CP GRW ETF 922908595 618 2192 SH SOLE 0 0 0 2192 VANGUARD INDEX FDS VALUE ETF 922908744 1938 13175 SH SOLE 0 0 0 13175 VANGUARD INDEX FDS MID CAP ETF 922908629 2837 11136 SH SOLE 0 0 0 11136 VANGUARD INDEX FDS SM CP VAL ETF 922908611 436 2437 SH SOLE 0 0 0 2437 VANGUARD INDEX FDS SMALL CP ETF 922908751 202 895 SH SOLE 0 0 0 895 VANGUARD INDEX FDS GROWTH ETF 922908736 8239 25675 SH SOLE 0 0 0 25675 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 251 5068 SH SOLE 0 0 0 5068 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3674 71470 SH SOLE 0 0 0 71470 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 8840 108788 SH SOLE 0 0 0 108788 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1079 6281 SH SOLE 0 0 0 6281 VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1083 21210 SH SOLE 0 0 0 21210 VERIZON COMMUNICATIONS INC COM 92343V104 229 4402 SH SOLE 0 0 0 4402 VISA INC COM CL A 92826C839 344 1586 SH SOLE 0 0 0 1586 WALMART INC COM 931142103 275 1897 SH SOLE 0 0 0 1897 WRAP TECHNOLOGIES INC COM 98212N107 39 10000 SH SOLE 0 0 0 10000 ZILLOW GROUP INC CL C CAP STK 98954M200 244 3814 SH SOLE 0 0 0 3814