0001768302-24-000001.txt : 20240119 0001768302-24-000001.hdr.sgml : 20240119 20240119105156 ACCESSION NUMBER: 0001768302-24-000001 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20231231 FILED AS OF DATE: 20240119 DATE AS OF CHANGE: 20240119 EFFECTIVENESS DATE: 20240119 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ERn Financial, LLC CENTRAL INDEX KEY: 0001768302 ORGANIZATION NAME: 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: 24544240 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 12-31-2023 12-31-2023 ERn Financial, LLC

8215 GREENWAY BOULEVARD SUITE 540 MIDDLETON WI 53562

13F HOLDINGS REPORT 028-19425 000297717 801-113774 N Mark Buchanan 6028081414 Mark Buchanan Scottsdale AZ 01-19-2024 0 166 528621 false INFORMATION TABLE 2 ErnFinancial_13f.xml 2023 Q4 ERN FINANCIAL ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1084310 3016 SH SOLE 0 0 0 3016 ADOBE INC COM 00724F101 946591 1594 SH SOLE 0 0 0 1594 ALGONQUIN PWR UTILS CORP COM 015857105 97104 16320 SH SOLE 0 0 0 16320 ALPHABET INC CAP STK CL A 02079K305 2301538 16041 SH SOLE 0 0 0 16041 ALPHABET INC CAP STK CL C 02079K107 553357 3817 SH SOLE 0 0 0 3817 ALTRIA GROUP INC COM 02209S103 351663 8696 SH SOLE 0 0 0 8696 AMAZON COM INC COM 023135106 2834776 18468 SH SOLE 0 0 0 18468 AMERICAN CENTY ETF TR US SML CP VALU 025072877 3459619 40308 SH SOLE 0 0 0 40308 AMERICAN CENTY ETF TR FOCUSED DYNAMIC 025072810 4764548 66518 SH SOLE 0 0 0 66518 AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505 711452 14077 SH SOLE 0 0 0 14077 AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 8933798 166924 SH SOLE 0 0 0 166924 AMERICAN EXPRESS CO COM 025816109 545663 3035 SH SOLE 0 0 0 3035 AMERIPRISE FINL INC COM 03076C106 663977 1771 SH SOLE 0 0 0 1771 APPLE INC COM 037833100 7749704 41084 SH SOLE 0 0 0 41084 AT&T INC COM 00206R102 385435 23502 SH SOLE 0 0 0 23502 BANK AMERICA CORP COM 060505104 683447 21539 SH SOLE 0 0 0 21539 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1728009 4769 SH SOLE 0 0 0 4769 BLACKROCK INC COM 09247X101 573480 721 SH SOLE 0 0 0 721 BOEING CO COM 097023105 273612 1293 SH SOLE 0 0 0 1293 BROADCOM INC COM 11135F101 584687 511 SH SOLE 0 0 0 511 CAMDEN PPTY TR SH BEN INT 133131102 576323 6018 SH SOLE 0 0 0 6018 CHEVRON CORP NEW COM 166764100 933686 6584 SH SOLE 0 0 0 6584 CHIPOTLE MEXICAN GRILL INC COM 169656105 622516 268 SH SOLE 0 0 0 268 COSTCO WHSL CORP NEW COM 22160K105 1374323 2000 SH SOLE 0 0 0 2000 CREDIT ACCEP CORP MICH COM 225310101 1084503 2100 SH SOLE 0 0 0 2100 DEERE & CO COM 244199105 1405223 3684 SH SOLE 0 0 0 3684 DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 1133982 48585 SH SOLE 0 0 0 48585 DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 2646946 63068 SH SOLE 0 0 0 63068 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 870491 30173 SH SOLE 0 0 0 30173 DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 4566068 137948 SH SOLE 0 0 0 137948 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 4802720 171648 SH SOLE 0 0 0 171648 DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 8492530 359701 SH SOLE 0 0 0 359701 DISNEY WALT CO COM 254687106 773484 8388 SH SOLE 0 0 0 8388 ELI LILLY & CO COM 532457108 850181 1364 SH SOLE 0 0 0 1364 EVOLENT HEALTH INC CL A 30050B101 2006740 67250 SH SOLE 0 0 0 67250 EXACT SCIENCES CORP COM 30063P105 440440 6755 SH SOLE 0 0 0 6755 EXXON MOBIL CORP COM 30231G102 1196802 12364 SH SOLE 0 0 0 12364 FAIR ISAAC CORP COM 303250104 1708549 1366 SH SOLE 0 0 0 1366 FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 609988 13427 SH SOLE 0 0 0 13427 FIDELITY NATL INFORMATION SV COM 31620M106 348415 5904 SH SOLE 0 0 0 5904 FIRST TR EXCH TRADED FD III RIVRFRNT DYN DEV 33739P608 721066 11924 SH SOLE 0 0 0 11924 FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 12767073 248532 SH SOLE 0 0 0 248532 FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 1640007 18668 SH SOLE 0 0 0 18668 FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 13277007 274545 SH SOLE 0 0 0 274545 FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 3505321 43566 SH SOLE 0 0 0 43566 FIRST TR EXCHNG TRADED FD VI CBOE EQT BUFER 33740F847 3774048 88447 SH SOLE 0 0 0 88447 FIRST TR EXCHNG TRADED FD VI VEST US EQTY BUF 33740F664 3925080 100360 SH SOLE 0 0 0 100360 FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 6992363 159026 SH SOLE 0 0 0 159026 FIRST TR VALUE LINE DIVID IN SHS 33734H106 2769660 69121 SH SOLE 0 0 0 69121 FISERV INC COM 337738108 586795 4258 SH SOLE 0 0 0 4258 FLEXSHARES TR STOXX GLOBR INF 33939L795 522528 9936 SH SOLE 0 0 0 9936 FORD MTR CO DEL COM 345370860 246500 22429 SH SOLE 0 0 0 22429 GALLAGHER ARTHUR J & CO COM 363576109 591190 2495 SH SOLE 0 0 0 2495 GENERAL DYNAMICS CORP COM 369550108 327966 1307 SH SOLE 0 0 0 1307 GLOBAL X FDS CYBRSCURTY ETF 37954Y384 1151392 38820 SH SOLE 0 0 0 38820 GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101 249034 4475 SH SOLE 0 0 0 4475 HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 7762104 200623 SH SOLE 0 0 0 200623 HARTFORD FDS EXCHANGE TRADED SCHRDRS TAX BD 41653L404 7289568 374400 SH SOLE 0 0 0 374400 HCA HEALTHCARE INC COM 40412C101 595836 2092 SH SOLE 0 0 0 2092 HOME DEPOT INC COM 437076102 1039947 2906 SH SOLE 0 0 0 2906 HONEYWELL INTL INC COM 438516106 1063272 5313 SH SOLE 0 0 0 5313 INTERNATIONAL BUSINESS MACHS COM 459200101 263295 1578 SH SOLE 0 0 0 1578 INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 444147 8468 SH SOLE 0 0 0 8468 INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 31469967 372426 SH SOLE 0 0 0 372426 INVESCO EXCH TRD SLF IDX FD RUSL 2000 DYNM 46138J593 616009 17102 SH SOLE 0 0 0 17102 INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 21025702 427178 SH SOLE 0 0 0 427178 INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 2107913 38585 SH SOLE 0 0 0 38585 INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431 3113293 32816 SH SOLE 0 0 0 32816 INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498 549386 9949 SH SOLE 0 0 0 9949 INVESCO QQQ TR UNIT SER 1 46090E103 231604 561 SH SOLE 0 0 0 561 ISHARES INC MSCI EM ASIA ETF 464286426 1836119 29558 SH SOLE 0 0 0 29558 ISHARES INC MSCI EMRG CHN 46434G764 972543 18250 SH SOLE 0 0 0 18250 ISHARES TR MSCI EMG MKT ETF 464287234 1477545 38893 SH SOLE 0 0 0 38893 ISHARES TR RUS 1000 GRW ETF 464287614 344462 1119 SH SOLE 0 0 0 1119 ISHARES TR MSCI USA MMENTM 46432F396 792661 4920 SH SOLE 0 0 0 4920 ISHARES TR CORE S&P500 ETF 464287200 1670707 3490 SH SOLE 0 0 0 3490 ISHARES TR ESG AW MSCI EAFE 46435G516 595639 8047 SH SOLE 0 0 0 8047 ISHARES TR MSCI EAFE MIN VL 46429B689 437456 6363 SH SOLE 0 0 0 6363 ISHARES TR CORE S&P US VLU 464287663 786442 9466 SH SOLE 0 0 0 9466 ISHARES TR MSCI USA QLT FCT 46432F339 10187844 68536 SH SOLE 0 0 0 68536 ISHARES TR MSCI INDIA SM CP 46429B614 1837193 25731 SH SOLE 0 0 0 25731 ISHARES TR CORE MSCI EAFE 46432F842 8728188 126955 SH SOLE 0 0 0 126955 ISHARES TR CORE S&P MCP ETF 464287507 2374816 8775 SH SOLE 0 0 0 8775 ISHARES TR CORE S&P SCP ETF 464287804 5806267 56202 SH SOLE 0 0 0 56202 ISHARES TR ESG AWR MSCI USA 46435G425 712740 6788 SH SOLE 0 0 0 6788 ISHARES TR 0-5YR HI YL CP 46434V407 293951 6966 SH SOLE 0 0 0 6966 ISHARES TR MSCI EAFE ETF 464287465 5740039 77820 SH SOLE 0 0 0 77820 ISHARES TR GLOBAL REIT ETF 46434V647 7925359 342053 SH SOLE 0 0 0 342053 ISHARES TR CRE U S REIT ETF 464288521 8777205 168017 SH SOLE 0 0 0 168017 ISHARES TR EAFE GRWTH ETF 464288885 233619 2462 SH SOLE 0 0 0 2462 J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1629488 32165 SH SOLE 0 0 0 32165 J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1200931 23687 SH SOLE 0 0 0 23687 J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 7328995 157647 SH SOLE 0 0 0 157647 J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 1051530 19046 SH SOLE 0 0 0 19046 JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 2398559 40973 SH SOLE 0 0 0 40973 JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 11327234 220203 SH SOLE 0 0 0 220203 JOHNSON & JOHNSON COM 478160104 1100603 6827 SH SOLE 0 0 0 6827 JPMORGAN CHASE & CO COM 46625H100 943632 5636 SH SOLE 0 0 0 5636 KLA CORP COM NEW 482480100 556789 944 SH SOLE 0 0 0 944 MCDONALDS CORP COM 580135101 468032 1590 SH SOLE 0 0 0 1590 MERCK & CO INC COM 58933Y105 294242 2482 SH SOLE 0 0 0 2482 META PLATFORMS INC CL A 30303M102 390982 1039 SH SOLE 0 0 0 1039 MGE ENERGY INC COM 55277P104 217225 3120 SH SOLE 0 0 0 3120 MICROSOFT CORP COM 594918104 4755081 12073 SH SOLE 0 0 0 12073 NETFLIX INC COM 64110L106 504237 1039 SH SOLE 0 0 0 1039 NORTHROP GRUMMAN CORP COM 666807102 509935 1074 SH SOLE 0 0 0 1074 NVIDIA CORPORATION COM 67066G104 2592716 4540 SH SOLE 0 0 0 4540 ORACLE CORP COM 68389X105 1384633 12738 SH SOLE 0 0 0 12738 PACER FDS TR DEVELOPED MRKT 69374H873 364506 11951 SH SOLE 0 0 0 11951 PACER FDS TR US CASH COWS 100 69374H881 2387572 46944 SH SOLE 0 0 0 46944 PEPSICO INC COM 713448108 967567 5788 SH SOLE 0 0 0 5788 PHILIP MORRIS INTL INC COM 718172109 422213 4531 SH SOLE 0 0 0 4531 PIMCO ETF TR MULTISECTOR BD 72201R585 426221 16708 SH SOLE 0 0 0 16708 PIMCO ETF TR INTER MUN BD ACT 72201R866 2732810 52153 SH SOLE 0 0 0 52153 PINNACLE WEST CAP CORP COM 723484101 562566 8119 SH SOLE 0 0 0 8119 PROCTER AND GAMBLE CO COM 742718109 581575 3926 SH SOLE 0 0 0 3926 ROCKWELL AUTOMATION INC COM 773903109 277272 924 SH SOLE 0 0 0 924 S&P GLOBAL INC COM 78409V104 1046745 2381 SH SOLE 0 0 0 2381 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 390446 6914 SH SOLE 0 0 0 6914 SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 525954 8614 SH SOLE 0 0 0 8614 SELECT SECTOR SPDR TR ENERGY 81369Y506 426968 5343 SH SOLE 0 0 0 5343 SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 778549 9477 SH SOLE 0 0 0 9477 SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 13071976 386288 SH SOLE 0 0 0 386288 SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 17870433 539078 SH SOLE 0 0 0 539078 SPDR S&P 500 ETF TR TR UNIT 78462F103 1020690 2142 SH SOLE 0 0 0 2142 SPDR SER TR PORTFLI TIPS ETF 78464A656 4707103 183943 SH SOLE 0 0 0 183943 SPDR SER TR S&P 600 SMCP VAL 78464A300 1934897 24771 SH SOLE 0 0 0 24771 SPDR SER TR S&P 600 SMCP GRW 78464A201 4704175 58134 SH SOLE 0 0 0 58134 SPDR SER TR PRTFLO S&P500 GW 78464A409 19066122 288226 SH SOLE 0 0 0 288226 SPDR SER TR PORTFOLIO S&P600 78468R853 2450854 60921 SH SOLE 0 0 0 60921 SPDR SER TR PORTFOLIO AGRGTE 78464A649 6308138 249137 SH SOLE 0 0 0 249137 SPDR SER TR S&P 400 MDCP VAL 78464A839 15502709 219182 SH SOLE 0 0 0 219182 SPDR SER TR S&P OILGAS EXP 78468R556 385184 3005 SH SOLE 0 0 0 3005 SPDR SER TR PORTFOLIO S&P500 78464A854 3040238 54232 SH SOLE 0 0 0 54232 SPDR SER TR BBG CONV SEC ETF 78464A359 383795 5424 SH SOLE 0 0 0 5424 SPDR SER TR PRTFLO S&P500 VL 78464A508 22964253 499006 SH SOLE 0 0 0 499006 SPDR SER TR BLOOMBERG 1-3 MO 78468R663 319396 3485 SH SOLE 0 0 0 3485 SPDR SER TR PORTFOLIO S&P400 78464A847 659229 13861 SH SOLE 0 0 0 13861 SPDR SER TR S&P 400 MDCP GRW 78464A821 7184563 96140 SH SOLE 0 0 0 96140 STARBUCKS CORP COM 855244109 404769 4337 SH SOLE 0 0 0 4337 STRYKER CORPORATION COM 863667101 1449234 4605 SH SOLE 0 0 0 4605 TESLA INC COM 88160R101 2468705 11651 SH SOLE 0 0 0 11651 THERMO FISHER SCIENTIFIC INC COM 883556102 974644 1790 SH SOLE 0 0 0 1790 TRANE TECHNOLOGIES PLC SHS G8994E103 550557 2226 SH SOLE 0 0 0 2226 UNION PAC CORP COM 907818108 1207013 5072 SH SOLE 0 0 0 5072 UNITEDHEALTH GROUP INC COM 91324P102 1424673 2759 SH SOLE 0 0 0 2759 VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1355216 7516 SH SOLE 0 0 0 7516 VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 30083403 109263 SH SOLE 0 0 0 109263 VANGUARD INDEX FDS SM CP VAL ETF 922908611 480766 2769 SH SOLE 0 0 0 2769 VANGUARD INDEX FDS TOTAL STK MKT 922908769 482122 2037 SH SOLE 0 0 0 2037 VANGUARD INDEX FDS SMALL CP ETF 922908751 573764 2790 SH SOLE 0 0 0 2790 VANGUARD INDEX FDS SML CP GRW ETF 922908595 799310 3434 SH SOLE 0 0 0 3434 VANGUARD INDEX FDS VALUE ETF 922908744 2678324 18105 SH SOLE 0 0 0 18105 VANGUARD INDEX FDS GROWTH ETF 922908736 7160186 22722 SH SOLE 0 0 0 22722 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 587669 4161 SH SOLE 0 0 0 4161 VANGUARD INDEX FDS MID CAP ETF 922908629 2257260 9936 SH SOLE 0 0 0 9936 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2046265 9517 SH SOLE 0 0 0 9517 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4862261 11103 SH SOLE 0 0 0 11103 VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 4579289 57812 SH SOLE 0 0 0 57812 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1089175 6387 SH SOLE 0 0 0 6387 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 18352086 393568 SH SOLE 0 0 0 393568 VERIZON COMMUNICATIONS INC COM 92343V104 282680 7259 SH SOLE 0 0 0 7259 VISA INC COM CL A 92826C839 1347347 5025 SH SOLE 0 0 0 5025 WALMART INC COM 931142103 362547 2221 SH SOLE 0 0 0 2221 WELLS FARGO CO NEW COM 949746101 322476 6944 SH SOLE 0 0 0 6944 ZILLOW GROUP INC CL C CAP STK 98954M200 499813 9513 SH SOLE 0 0 0 9513