<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 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission xsi:schemaLocation="http://www.sec.gov/edgar/thirteenffiler eis_13F_Filer.xsd" xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:ns1="http://www.sec.gov/edgar/common" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <schemaVersion>X0202</schemaVersion> <headerData> <submissionType>13F-HR</submissionType> <filerInfo> <liveTestFlag>LIVE</liveTestFlag> <flags> <confirmingCopyFlag>false</confirmingCopyFlag> <returnCopyFlag>false</returnCopyFlag> <overrideInternetFlag>false</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001925582</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>09-30-2023</periodOfReport> </filerInfo> </headerData> <formData> <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> </filingManager> <reportType>13F HOLDINGS REPORT</reportType> <form13FFileNumber>028-22510</form13FFileNumber> <crdNumber>000167958</crdNumber> <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> <tableEntryTotal>11</tableEntryTotal> <tableValueTotal>820061670</tableValueTotal> </summaryPage> </formData> </edgarSubmission> </XML> </TEXT> </DOCUMENT> <DOCUMENT> <TYPE>INFORMATION TABLE <SEQUENCE>2 <FILENAME>fp0085718-1_13fhr-table.xml <TEXT> <XML> <?xml version="1.0" ?> <informationTable xsi:schemaLocation="http://www.sec.gov/edgar/document/thirteenf/informationtable eis_13FDocument.xsd" xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:n1="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <infoTable> <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer> <titleOfClass>TOTAL BND MRKT</titleOfClass> <cusip>921937835</cusip> <value>41354611</value> <shrsOrPrnAmt> <sshPrnamt>592643</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>592643</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer> <titleOfClass>SHORT TRM BOND</titleOfClass> <cusip>921937827</cusip> <value>35972364</value> <shrsOrPrnAmt> <sshPrnamt>478547</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>478547</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer> <titleOfClass>HIGH YLD MUNIETF</titleOfClass> <cusip>92189H409</cusip> <value>3098622</value> <shrsOrPrnAmt> <sshPrnamt>63147</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <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> </shrsOrPrnAmt> <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> </shrsOrPrnAmt> <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> <votingAuthority> <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> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <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> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <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> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1364914</None> </votingAuthority> </infoTable> </informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>