<SEC-DOCUMENT>0001398344-23-019644.txt : 20231024
<SEC-HEADER>0001398344-23-019644.hdr.sgml : 20231024
<ACCEPTANCE-DATETIME>20231024094644
ACCESSION NUMBER:		0001398344-23-019644
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231024
DATE AS OF CHANGE:		20231024
EFFECTIVENESS DATE:		20231024

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOFI WEALTH, LLC
		CENTRAL INDEX KEY:			0001925582
		IRS NUMBER:				320408594

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-22510
		FILM NUMBER:		231341410

	BUSINESS ADDRESS:	
		STREET 1:		234 1ST ST
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94104
		BUSINESS PHONE:		855-525-7634

	MAIL ADDRESS:	
		STREET 1:		234 1ST ST
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94104
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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      <filer>
        <credentials>
          <cik>0001925582</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2023</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2023</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>SOFI WEALTH, LLC</name>
        <address>
          <ns1:street1>234 1ST ST</ns1:street1>
          <ns1:city>SAN FRANCISCO</ns1:city>
          <ns1:stateOrCountry>CA</ns1:stateOrCountry>
          <ns1:zipCode>94104</ns1:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-22510</form13FFileNumber>
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      <secFileNumber>801-78185</secFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Candice Gilman</name>
      <title>Chief Compliance Officer</title>
      <phone>302-551-6922</phone>
      <signature>/s/ Candice Gilman</signature>
      <city>Claymont</city>
      <stateOrCountry>DE</stateOrCountry>
      <signatureDate>10-19-2023</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
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      <tableValueTotal>820061670</tableValueTotal>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>41354611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>592643</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>592643</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>35972364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478547</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>478547</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
    <cusip>92189H409</cusip>
    <value>3098622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63147</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63147</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>3276244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44442</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>37842596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>369052</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIDAL ETF TR</nameOfIssuer>
    <titleOfClass>SOFI SELCT 500</titleOfClass>
    <cusip>886364207</cusip>
    <value>406811297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26606363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26606363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIDAL ETF TR</nameOfIssuer>
    <titleOfClass>SOFI NEXT 500</titleOfClass>
    <cusip>886364306</cusip>
    <value>46473869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3951860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3951860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>22981521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>121550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>162194175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3709839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>3709839</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>6538092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138285</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>138285</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>53518279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1364914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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