0001768302-23-000001.txt : 20230214 0001768302-23-000001.hdr.sgml : 20230214 20230214150201 ACCESSION NUMBER: 0001768302-23-000001 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20221231 FILED AS OF DATE: 20230214 DATE AS OF CHANGE: 20230214 EFFECTIVENESS DATE: 20230214 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: 23627657 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 12-31-2022 12-31-2022 ERn Financial, LLC

8215 GREENWAY BOULEVARD SUITE 540 MIDDLETON WI 53562

13F HOLDINGS REPORT 028-19425 000297717 N Scott O. Conwell 6086651714 Scott O. Conwell Middleton WI 02-14-2023 0 172 438725809 false INFORMATION TABLE 2 ErnFinancial_13f.xml 2022 Q4 ERN FINANCIAL 3M CO COM 88579Y101 219787 1833 SH SOLE 0 0 0 1833 ABBVIE INC COM 00287Y109 229807 1422 SH SOLE 0 0 0 1422 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 989082 3707 SH SOLE 0 0 0 3707 ADOBE SYSTEMS INCORPORATED COM 00724F101 548116 1629 SH SOLE 0 0 0 1629 ALPHABET INC CAP STK CL A 02079K305 1146108 12990 SH SOLE 0 0 0 12990 ALPHABET INC CAP STK CL C 02079K107 335932 3786 SH SOLE 0 0 0 3786 ALPS ETF TR CLEAN ENERGY 00162Q460 1981668 43563 SH SOLE 0 0 0 43563 ALTRIA GROUP INC COM 02209S103 419280 9173 SH SOLE 0 0 0 9173 AMAZON COM INC COM 023135106 1452400 17290 SH SOLE 0 0 0 17290 AMERICAN CENTY ETF TR US SML CP VALU 025072877 2578950 34612 SH SOLE 0 0 0 34612 AMERICAN CENTY ETF TR FOCUSED LRG CAP 025072794 9760851 166001 SH SOLE 0 0 0 166001 AMERICAN CENTY ETF TR FOCUSED DYNAMIC 025072810 3439288 66293 SH SOLE 0 0 0 66293 AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505 1643754 33594 SH SOLE 0 0 0 33594 AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 8855664 175533 SH SOLE 0 0 0 175533 AMERICAN ELEC PWR CO INC COM 025537101 213936 2253 SH SOLE 0 0 0 2253 AMERICAN EXPRESS CO COM 025816109 439556 2975 SH SOLE 0 0 0 2975 AMERIPRISE FINL INC COM 03076C106 551748 1772 SH SOLE 0 0 0 1772 APPLE INC COM 037833100 4863283 37430 SH SOLE 0 0 0 37430 AT&T INC COM 00206R102 485227 26357 SH SOLE 0 0 0 26357 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1198532 3880 SH SOLE 0 0 0 3880 BLACKROCK INC COM 09247X101 551323 778 SH SOLE 0 0 0 778 BOEING CO COM 097023105 229731 1206 SH SOLE 0 0 0 1206 CAMDEN PPTY TR SH BEN INT 133131102 273611 2446 SH SOLE 0 0 0 2446 CHEVRON CORP NEW COM 166764100 942666 5252 SH SOLE 0 0 0 5252 CHIPOTLE MEXICAN GRILL INC COM 169656105 391272 282 SH SOLE 0 0 0 282 COINBASE GLOBAL INC COM CL A 19260Q107 234671 6631 SH SOLE 0 0 0 6631 COSTCO WHSL CORP NEW COM 22160K105 977332 2141 SH SOLE 0 0 0 2141 CREDIT ACCEP CORP MICH COM 225310101 996240 2100 SH SOLE 0 0 0 2100 DEERE & CO COM 244199105 1662536 3878 SH SOLE 0 0 0 3878 DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 5680637 210238 SH SOLE 0 0 0 210238 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 3941346 157402 SH SOLE 0 0 0 157402 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 795049 32745 SH SOLE 0 0 0 32745 DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 6064503 280764 SH SOLE 0 0 0 280764 DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 1158159 27894 SH SOLE 0 0 0 27894 DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 729081 33895 SH SOLE 0 0 0 33895 DISNEY WALT CO COM 254687106 727824 8377 SH SOLE 0 0 0 8377 ENBRIDGE INC COM 29250N105 411532 10525 SH SOLE 0 0 0 10525 EXACT SCIENCES CORP COM 30063P105 357908 7229 SH SOLE 0 0 0 7229 EXXON MOBIL CORP COM 30231G102 1381582 12526 SH SOLE 0 0 0 12526 FAIR ISAAC CORP COM 303250104 816463 1364 SH SOLE 0 0 0 1364 FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 480447 10672 SH SOLE 0 0 0 10672 FIDELITY NATL INFORMATION SV COM 31620M106 410281 6047 SH SOLE 0 0 0 6047 FIRST REP BK SAN FRANCISCO C COM 33616C100 457129 3750 SH SOLE 0 0 0 3750 FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830 1752379 88773 SH SOLE 0 0 0 88773 FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 10565192 210840 SH SOLE 0 0 0 210840 FIRST TR EXCH TRADED FD III RIVRFRNT DYN DEV 33739P608 554683 10434 SH SOLE 0 0 0 10434 FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 4919910 45249 SH SOLE 0 0 0 45249 FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 1883143 32688 SH SOLE 0 0 0 32688 FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 4173560 55685 SH SOLE 0 0 0 55685 FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 13729601 289593 SH SOLE 0 0 0 289593 FIRST TR EXCHNG TRADED FD VI SKYBRIDGE CRYPTO 33740F540 336780 102343 SH SOLE 0 0 0 102343 FIRST TR EXCHNG TRADED FD VI CBOE EQT BUFER 33740F847 6552694 184479 SH SOLE 0 0 0 184479 FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 7106277 161800 SH SOLE 0 0 0 161800 FIRST TR VALUE LINE DIVID IN SHS 33734H106 3018147 75624 SH SOLE 0 0 0 75624 FISERV INC COM 337738108 439149 4345 SH SOLE 0 0 0 4345 FLEXSHARES TR STOXX GLOBR INF 33939L795 576423 11435 SH SOLE 0 0 0 11435 FORD MTR CO DEL COM 345370860 262867 22603 SH SOLE 0 0 0 22603 GALLAGHER ARTHUR J & CO COM 363576109 408378 2166 SH SOLE 0 0 0 2166 GENERAL DYNAMICS CORP COM 369550108 326761 1317 SH SOLE 0 0 0 1317 GLOBAL X FDS CYBRSCURTY ETF 37954Y384 1393981 67180 SH SOLE 0 0 0 67180 GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 911141 15546 SH SOLE 0 0 0 15546 GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101 206107 4828 SH SOLE 0 0 0 4828 HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 7921216 210895 SH SOLE 0 0 0 210895 HCA HEALTHCARE INC COM 40412C101 635389 2648 SH SOLE 0 0 0 2648 HOME DEPOT INC COM 437076102 843916 2672 SH SOLE 0 0 0 2672 HONEYWELL INTL INC COM 438516106 893109 4168 SH SOLE 0 0 0 4168 INTERNATIONAL BUSINESS MACHS COM 459200101 265662 1886 SH SOLE 0 0 0 1886 INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 27858818 376776 SH SOLE 0 0 0 376776 INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 2041362 39546 SH SOLE 0 0 0 39546 INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 411926 7701 SH SOLE 0 0 0 7701 INVESCO EXCH TRD SLF IDX FD RUSL 2000 DYNM 46138J593 633076 18522 SH SOLE 0 0 0 18522 INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 17757861 413551 SH SOLE 0 0 0 413551 INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 417995 8865 SH SOLE 0 0 0 8865 INVESCO QQQ TR UNIT SER 1 46090E103 291577 1095 SH SOLE 0 0 0 1095 ISHARES INC MSCI THAILND ETF 464286624 1669592 22205 SH SOLE 0 0 0 22205 ISHARES INC MSCI MLY ETF NEW 46434G814 1096913 48026 SH SOLE 0 0 0 48026 ISHARES INC MSCI EMERG MRKT 464286533 250078 4714 SH SOLE 0 0 0 4714 ISHARES TR CORE S&P SCP ETF 464287804 5406070 57122 SH SOLE 0 0 0 57122 ISHARES TR CORE S&P US VLU 464287663 650789 9214 SH SOLE 0 0 0 9214 ISHARES TR MSCI EAFE MIN VL 46429B689 2503824 39378 SH SOLE 0 0 0 39378 ISHARES TR MSCI USA QLT FCT 46432F339 8914792 78227 SH SOLE 0 0 0 78227 ISHARES TR ESG AW MSCI EAFE 46435G516 551033 8382 SH SOLE 0 0 0 8382 ISHARES TR NATIONAL MUN ETF 464288414 242590 2299 SH SOLE 0 0 0 2299 ISHARES TR ESG AWR MSCI USA 46435G425 564520 6661 SH SOLE 0 0 0 6661 ISHARES TR MSCI EAFE ETF 464287465 5453148 83077 SH SOLE 0 0 0 83077 ISHARES TR GLOBAL REIT ETF 46434V647 4716949 207704 SH SOLE 0 0 0 207704 ISHARES TR CORE MSCI EAFE 46432F842 6618740 107377 SH SOLE 0 0 0 107377 ISHARES TR MSCI EMG MKT ETF 464287234 1621589 42786 SH SOLE 0 0 0 42786 ISHARES TR CORE S&P MCP ETF 464287507 2062947 8528 SH SOLE 0 0 0 8528 ISHARES TR RUS 1000 GRW ETF 464287614 268443 1253 SH SOLE 0 0 0 1253 ISHARES TR MSCI USA MMENTM 46432F396 1675130 11479 SH SOLE 0 0 0 11479 ISHARES TR CORE S&P500 ETF 464287200 2149226 5594 SH SOLE 0 0 0 5594 ISHARES TR EAFE GRWTH ETF 464288885 206217 2462 SH SOLE 0 0 0 2462 ISHARES TR SHORT TREAS BD 464288679 329386 2997 SH SOLE 0 0 0 2997 ISHARES TR CRE U S REIT ETF 464288521 6658928 134660 SH SOLE 0 0 0 134660 ISHARES TR 0-5YR HI YL CP 46434V407 287004 7019 SH SOLE 0 0 0 7019 J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 292987 6379 SH SOLE 0 0 0 6379 J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1982943 39239 SH SOLE 0 0 0 39239 JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 10179565 218727 SH SOLE 0 0 0 218727 JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 2719043 55209 SH SOLE 0 0 0 55209 JOHNSON & JOHNSON COM 478160104 1096349 6206 SH SOLE 0 0 0 6206 JPMORGAN CHASE & CO COM 46625H100 965920 7203 SH SOLE 0 0 0 7203 KLA CORP COM NEW 482480100 581303 1542 SH SOLE 0 0 0 1542 LILLY ELI & CO COM 532457108 327886 896 SH SOLE 0 0 0 896 MCDONALDS CORP COM 580135101 427446 1622 SH SOLE 0 0 0 1622 MERCK & CO INC COM 58933Y105 286362 2581 SH SOLE 0 0 0 2581 MGE ENERGY INC COM 55277P104 217256 3086 SH SOLE 0 0 0 3086 MICROSOFT CORP COM 594918104 2495990 10408 SH SOLE 0 0 0 10408 NEXTERA ENERGY INC COM 65339F101 765035 9151 SH SOLE 0 0 0 9151 NVIDIA CORPORATION COM 67066G104 770563 5273 SH SOLE 0 0 0 5273 ORACLE CORP COM 68389X105 648280 7931 SH SOLE 0 0 0 7931 PACER FDS TR US CASH COWS 100 69374H881 1729241 37389 SH SOLE 0 0 0 37389 PAYPAL HLDGS INC COM 70450Y103 385728 5416 SH SOLE 0 0 0 5416 PEPSICO INC COM 713448108 856133 4739 SH SOLE 0 0 0 4739 PFIZER INC COM 717081103 261523 5104 SH SOLE 0 0 0 5104 PHILIP MORRIS INTL INC COM 718172109 486932 4811 SH SOLE 0 0 0 4811 PIMCO ETF TR INTER MUN BD ACT 72201R866 6201926 120707 SH SOLE 0 0 0 120707 PINNACLE WEST CAP CORP COM 723484101 411833 5416 SH SOLE 0 0 0 5416 PROCTER AND GAMBLE CO COM 742718109 274576 1812 SH SOLE 0 0 0 1812 RAYTHEON TECHNOLOGIES CORP COM 75513E101 263955 2615 SH SOLE 0 0 0 2615 REYNOLDS CONSUMER PRODS INC COM 76171L106 343956 11473 SH SOLE 0 0 0 11473 ROCKWELL AUTOMATION INC COM 773903109 242245 941 SH SOLE 0 0 0 941 S&P GLOBAL INC COM 78409V104 792216 2365 SH SOLE 0 0 0 2365 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 296447 6566 SH SOLE 0 0 0 6566 SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 483126 6219 SH SOLE 0 0 0 6219 SILVERGATE CAP CORP CL A 82837P408 185432 10657 SH SOLE 0 0 0 10657 SOLAREDGE TECHNOLOGIES INC COM 83417M104 630276 2225 SH SOLE 0 0 0 2225 SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 12300471 373194 SH SOLE 0 0 0 373194 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 13870711 467185 SH SOLE 0 0 0 467185 SPDR S&P 500 ETF TR TR UNIT 78462F103 1056438 2762 SH SOLE 0 0 0 2762 SPDR SER TR PORTFLI TIPS ETF 78464A656 3910235 151795 SH SOLE 0 0 0 151795 SPDR SER TR BLOOMBERG 3-12 M 78468R523 758873 7643 SH SOLE 0 0 0 7643 SPDR SER TR S&P 600 SMCP VAL 78464A300 1959969 26408 SH SOLE 0 0 0 26408 SPDR SER TR S&P 600 SMCP GRW 78464A201 4478160 61990 SH SOLE 0 0 0 61990 SPDR SER TR S&P 400 MDCP GRW 78464A821 4801887 73491 SH SOLE 0 0 0 73491 SPDR SER TR PORTFOLIO AGRGTE 78464A649 3048333 121303 SH SOLE 0 0 0 121303 SPDR SER TR PORTFOLIO S&P600 78468R853 2203056 59590 SH SOLE 0 0 0 59590 SPDR SER TR PRTFLO S&P500 GW 78464A409 10531265 207840 SH SOLE 0 0 0 207840 SPDR SER TR S&P 400 MDCP VAL 78464A839 12359263 190965 SH SOLE 0 0 0 190965 SPDR SER TR S&P OILGAS EXP 78468R556 318441 2344 SH SOLE 0 0 0 2344 SPDR SER TR PORTFOLIO S&P400 78464A847 504178 11863 SH SOLE 0 0 0 11863 SPDR SER TR PORTFOLIO S&P500 78464A854 2507332 55743 SH SOLE 0 0 0 55743 SPDR SER TR BBG CONV SEC ETF 78464A359 347839 5406 SH SOLE 0 0 0 5406 SPDR SER TR PRTFLO S&P500 VL 78464A508 5695571 146453 SH SOLE 0 0 0 146453 STRYKER CORPORATION COM 863667101 1188397 4861 SH SOLE 0 0 0 4861 T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 2000614 97023 SH SOLE 0 0 0 97023 TARGET CORP COM 87612E106 537840 3609 SH SOLE 0 0 0 3609 TESLA INC COM 88160R101 1603543 13018 SH SOLE 0 0 0 13018 THERMO FISHER SCIENTIFIC INC COM 883556102 832085 1511 SH SOLE 0 0 0 1511 UNION PAC CORP COM 907818108 1044616 5045 SH SOLE 0 0 0 5045 UNITEDHEALTH GROUP INC COM 91324P102 1252255 2362 SH SOLE 0 0 0 2362 VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1314911 6479 SH SOLE 0 0 0 6479 VANECK ETF TRUST INDONESIA INDEX 92189F833 1087514 62645 SH SOLE 0 0 0 62645 VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 22248030 105471 SH SOLE 0 0 0 105471 VANGUARD INDEX FDS VALUE ETF 922908744 2096710 14937 SH SOLE 0 0 0 14937 VANGUARD INDEX FDS GROWTH ETF 922908736 5132767 24085 SH SOLE 0 0 0 24085 VANGUARD INDEX FDS TOTAL STK MKT 922908769 372728 1950 SH SOLE 0 0 0 1950 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 575017 4252 SH SOLE 0 0 0 4252 VANGUARD INDEX FDS SMALL CP ETF 922908751 745356 4061 SH SOLE 0 0 0 4061 VANGUARD INDEX FDS MID CAP ETF 922908629 2362973 11594 SH SOLE 0 0 0 11594 VANGUARD INDEX FDS SML CP GRW ETF 922908595 705728 3519 SH SOLE 0 0 0 3519 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3950368 11244 SH SOLE 0 0 0 11244 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1641404 9131 SH SOLE 0 0 0 9131 VANGUARD INDEX FDS SM CP VAL ETF 922908611 390251 2457 SH SOLE 0 0 0 2457 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6384515 136684 SH SOLE 0 0 0 136684 VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 3193763 57942 SH SOLE 0 0 0 57942 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 931919 6137 SH SOLE 0 0 0 6137 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 13180305 314041 SH SOLE 0 0 0 314041 VERIZON COMMUNICATIONS INC COM 92343V104 205837 5224 SH SOLE 0 0 0 5224 VISA INC COM CL A 92826C839 922568 4441 SH SOLE 0 0 0 4441 WALMART INC COM 931142103 335223 2364 SH SOLE 0 0 0 2364 ZILLOW GROUP INC CL C CAP STK 98954M200 222797 6917 SH SOLE 0 0 0 6917