Francis Financial, Inc.

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 14, 2025), Francis Financial, Inc. reported 90 stock positions worth $393.7 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 18.0% of the portfolio, followed by Vanguard Intermediate-Term B (BIV, 10.0%) and Meta Platforms Class A (META, 8.6%). Compared with Q3 2024, it opened 7 new positions, sold out of 7, added to 44 and reduced 22. The biggest buy was Nvidia (NVDA, shares +254%) and the biggest sale Vanguard S&P 500 ETF (VOO, shares −1%).

Most Recent 13F
Q2 2026
Location
NEW YORK, NY
CIK
0001727514
Portfolio Value
$393.7M (Q4 2024)
SEC Filing
0001085146-25-001582 ↗ filed Feb 14, 2025

Holdings Value

0$200.0M$400.0M$600.0M$800.0M Q1 2024: $309.0M Q1 2024 Q2 2024: $329.2M Q2 2024 Q3 2024: $378.0M Q3 2024 Q4 2024: $393.7M $393.7M Q4 2024 Q1 2025: $411.2M Q1 2025 Q2 2025: $432.7M Q2 2025 Q3 2025: $561.0M Q3 2025 Q4 2025: $510.9M Q4 2025 Q1 2026: $538.4M Q1 2026 Q2 2026: $609.5M Q2 2026

Holdings 90 stocks · $393.7M
VOO Vanguard S&P 500 ETF 18.00% 131,496 $70.9M Reduce -0.9%
BIV Vanguard Intermediate-Term B 10.02% 527,836 $39.4M Add +6.4%
META Meta Platforms Inc. Class A 8.60% 114,999 $33.8M Add +95.8%
VUG Vanguard Mrngstar GR ETF-Sui 6.20% 59,437 $24.4M Add +7.0%
DFSI Dimensional Int Sus COR1 ETF 5.35% 640,886 $21.1M Add +9.9%
VCLT Vanguard Long-Term Corp. Bond 4.87% 256,127 $19.2M Add +13.2%
VYM Vanguard High DVD Yield ETF 4.29% 132,467 $16.9M Reduce -3.0%
IVOO Vanguard S&P Mid-Cap 400 ETF 4.20% 156,625 $16.5M Add +14.7%
BGRN iShares Usd Green Bond ETF 4.09% 345,030 $16.1M Add +0.8%
IJR iShares Core S&P Small-Cap E 3.67% 125,493 $14.5M Add +1.0%
DSI iShares ESG MSCI KLD 400 ETF 2.87% 102,385 $11.3M Reduce -3.5%
DFLV Dim US Large Cap Value ETF 2.85% 373,443 $11.2M Add +18.7%
SUSB iShares ESG Aware 1-5 Year U 2.28% 362,771 $9.0M Reduce -0.4%
NYF iShares New York Muni Bond E 1.65% 121,705 $6.5M Add +14.8%
NULG Nuveen ESG LRG-Cap GRW ETF 1.64% 75,162 $6.5M Add +1.4%
NVDA Nvidia Corp. 1.15% 44,460 $4.5M Add +254.2%
AAPL Apple Inc. 1.14% 23,881 $4.5M Add +28.7%
ELQD iShares ESG Adv Inv GR CB 1.12% 54,655 $4.4M Reduce -2.7%
DFSE Dimensional Em Sus CORE1 ETF 1.01% 120,557 $4.0M Reduce -1.0%
XJH Ishare ESG SS S&P Midcap ETF 1.01% 95,177 $4.0M Add +12.6%
VTI VG Morningstar TS MKT ETF-US 0.85% 11,553 $3.3M Reduce -6.3%
JIRE JPMorgan Int Res Enh Eqty 0.65% 43,980 $2.6M New
IVV iShares Core S&P 500 ETF 0.65% 4,323 $2.5M Add +31.8%
MSFT Microsoft Corp. 0.61% 9,360 $2.4M Add +72.3%
ESML iShares ESG Aware MSCI USA S 0.61% 56,649 $2.4M Reduce -2.1%
GOOGL Alphabet Inc. Class A 0.60% 15,888 $2.3M Add +26.6%
RSP Invesco S&P 500 Equal Weight 0.59% 13,170 $2.3M Add +40.7%
AMZN Amazon.com Inc. 0.57% 16,373 $2.3M Add +63.9%
DFUV Dimensional US Marketwide Va 0.54% 51,845 $2.1M Reduce -5.1%
VWO Vanguard Ftse Emerging Marke 0.49% 44,077 $1.9M Reduce -17.9%
FSMB First Trust Short Dur Manag 0.46% 90,835 $1.8M Add +23.5%
MUB iShares National Muni Bond E 0.44% 16,345 $1.7M Add +32.0%
VEA Vanguard Ftse Developed ETF 0.39% 32,481 $1.6M Add +114.7%
BRK.B Berkshire Hathaway Inc. Class B 0.29% 3,335 $1.1M Add +25.4%
GLW Corning Inc. 0.27% 23,806 $1.1M Add +4.8%
GOOG Alphabet Inc. Class C 0.25% 6,081 $968K Add +26.5%
PZA Invesco National Amt-Free Mu 0.21% 35,408 $836K Add +7.6%
DFAX Dimensional World Ex US Core 0.21% 32,725 $814K No change
IWM iShares Russell 2000 ETF 0.20% 3,594 $794K Reduce -3.1%
IWF iShares Russell 1000 Growth 0.18% 1,731 $695K No change
IWV iShares Russell 3000 ETF 0.17% 2,031 $679K No change
VB Vanguard Most SM-Cap ETF-Usd 0.17% 2,795 $672K Reduce -8.6%
TSLA Tesla Inc. 0.17% 2,300 $672K Add +46.3%
DFAI Dimensional International Co. 0.17% 22,804 $666K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.16% 3,328 $626K Add +25.4%
JPM JPMorgan Chase & Co. 0.16% 3,714 $626K Add +45.9%
AVGO Broadcom Inc. 0.14% 4,252 $566K Add +102.6%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.14% 2,140 $565K Reduce -3.2%
FNDF Schwab Fndmn Intl LRG Co. ETF 0.14% 16,654 $553K No change
SCHF Schwab Intl Equity ETF 0.14% 29,219 $541K No change
DFUS Dimensional US Eq MKT ETF 0.14% 8,400 $536K No change
IVW iShares S&P 500 Growth ETF 0.13% 5,185 $526K Reduce -0.8%
DFAC Dimensional US Core Equity 2 0.13% 14,876 $515K Reduce -24.6%
SCHX Schwab US Large-Cap ETF 0.13% 21,240 $492K No change
FNDX Schwab Fndmntl US LRG Co. ETF 0.13% 20,787 $492K Reduce -15.3%
PNC PNC Financial Services Group 0.12% 2,565 $470K Add +5.4%
LLY Eli Lilly & Co. 0.11% 888 $450K Add +60.0%
BND Vanguard Total Bond Market 0.10% 5,730 $412K Reduce -15.2%
GS Goldman Sachs Group Inc. 0.10% 880 $411K Add +22.7%
SPY SS SPDR S&P 500 ETF Trust-US 0.10% 685 $401K Reduce -69.4%
HD Home Depot Inc. 0.10% 1,443 $401K Add +42.2%
DGRO iShares Core Dividend Growth 0.10% 6,238 $383K No change
MCD McDonald's Corp. 0.10% 1,694 $381K Add +42.2%
DFAS Dimensional US Small Cap ETF 0.09% 5,634 $367K No change
DFSD Dimensional Short Duration 0.09% 7,801 $366K New
QQQ Invesco QQQ Trust Series 1 0.09% 700 $358K Reduce -2.5%
VTRS Viatris Inc. 0.09% 27,645 $336K Add +2.2%
CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE 0.09% 9,486 $334K No change
IVE iShares S&P 500 Value ETF 0.08% 1,710 $326K No change
UNH Unitedhealth Group Inc. 0.08% 932 $325K Add +47.9%
IUSV iShares Core S&P U.S. Value 0.08% 3,358 $311K New
CGGO Cap Group Global Growth filed as CAPITAL GROUP GBL GROWTH EQT 0.08% 10,505 $307K No change
SLB SLB Ltd. filed as SCHLUMBERGER LTD 0.07% 8,149 $294K Add +10.9%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 0.07% 691 $294K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.07% 9,038 $285K New
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.07% 3,100 $280K Add +32.5%
V Visa Inc. Class A 0.07% 1,597 $271K Add +100.1%
VTV Vanguard Mrngstr Val ETF-Aui 0.07% 1,573 $266K Reduce -10.6%
IJH iShares Core S&P Midcap ETF 0.07% 4,249 $265K Reduce -0.8%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.06% 2,356 $251K Add +11.0%
AVUS Avantis U.S. Equity ETF 0.06% 2,570 $249K New
SCHG Schwab US Large-Cap Growth 0.06% 8,888 $248K No change
PG The Procter & Gamble Co. 0.06% 2,750 $245K Add +91.6%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.06% 884 $238K No change
VIG Vanguard Dividend Apprec ETF 0.06% 1,190 $233K Reduce -23.5%
NUE Nucor Corp. 0.06% 1,954 $225K Add +2.3%
DVY iShares Select Dividend ETF 0.06% 1,675 $220K No change
SO The Southern Co. 0.05% 2,830 $207K Add +13.6%
CRM Salesforce Inc. 0.05% 1,036 $207K New
BSMQ Invesco Bulletshares 2026 MB 0.05% 8,635 $204K New

Options reported separately and not counted above: META puts ($586K), AMZN puts ($505K), MSFT puts ($253K).

Portfolio Sells Q3 2024 → Q4 2024
VOO Vanguard S&P 500 ETF Reduce -0.9% 18.00% −0.52
VYM Vanguard High DVD Yield ETF Reduce -3.0% 4.29% −0.34
SPY SS SPDR S&P 500 ETF Trust-US Reduce -69.4% 0.10% −0.24
VWO Vanguard Ftse Emerging Marke Reduce -17.9% 0.49% −0.19
DSI iShares ESG MSCI KLD 400 ETF Reduce -3.5% 2.87% −0.19
ELQD iShares ESG Adv Inv GR CB Reduce -2.7% 1.12% −0.15
SUSB iShares ESG Aware 1-5 Year U Reduce -0.4% 2.28% −0.15
DFSE Dimensional Em Sus CORE1 ETF Reduce -1.0% 1.01% −0.13
VEU Vanguard Ftse All-World Ex-U Sold out 0.00% −0.09
BNDX Vanguard Total Intl Bond ETF Sold out 0.00% −0.09
JNJ Johnson & Johnson Sold out 0.00% −0.07
VTI VG Morningstar TS MKT ETF-US Reduce -6.3% 0.85% −0.07
IUSB Ishr CR Unvrse Usd BD ETF-Ui Sold out 0.00% −0.07
DFUV Dimensional US Marketwide Va Reduce -5.1% 0.54% −0.06
WMT Walmart Inc. Sold out 0.00% −0.06
SBUX Starbucks Corp. Sold out 0.00% −0.06
UNP Union Pacific Corp. Sold out 0.00% −0.06
DFAC Dimensional US Core Equity 2 Reduce -24.6% 0.13% −0.05
ESML iShares ESG Aware MSCI USA S Reduce -2.1% 0.61% −0.03
FNDX Schwab Fndmntl US LRG Co. ETF Reduce -15.3% 0.13% −0.03
BND Vanguard Total Bond Market Reduce -15.2% 0.10% −0.03
VIG Vanguard Dividend Apprec ETF Reduce -23.5% 0.06% −0.02
VB Vanguard Most SM-Cap ETF-Usd Reduce -8.6% 0.17% −0.02
IWM iShares Russell 2000 ETF Reduce -3.1% 0.20% −0.01
VTV Vanguard Mrngstr Val ETF-Aui Reduce -10.6% 0.07% −0.01
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -3.2% 0.14% −0.01
IJH iShares Core S&P Midcap ETF Reduce -0.8% 0.07% −0.00
QQQ Invesco QQQ Trust Series 1 Reduce -2.5% 0.09% −0.00
IVW iShares S&P 500 Growth ETF Reduce -0.8% 0.13% +0.00

Portfolio Buys Q3 2024 → Q4 2024
NVDA Nvidia Corp. Add +254.2% 1.15% +0.75
JIRE JPMorgan Int Res Enh Eqty New 0.65% +0.65
VUG Vanguard Mrngstar GR ETF-Sui Add +7.0% 6.20% +0.55
IVOO Vanguard S&P Mid-Cap 400 ETF Add +14.7% 4.20% +0.38
DFLV Dim US Large Cap Value ETF Add +18.7% 2.85% +0.28
VEA Vanguard Ftse Developed ETF Add +114.7% 0.39% +0.18
IVV iShares Core S&P 500 ETF Add +31.8% 0.65% +0.15
RSP Invesco S&P 500 Equal Weight Add +40.7% 0.59% +0.14
NYF iShares New York Muni Bond E Add +14.8% 1.65% +0.12
DFSD Dimensional Short Duration New 0.09% +0.09
MUB iShares National Muni Bond E Add +32.0% 0.44% +0.09
AMZN Amazon.com Inc. Add +63.9% 0.57% +0.08
IUSV iShares Core S&P U.S. Value New 0.08% +0.08
BAC Bank of America Corp. New 0.07% +0.07
FSMB First Trust Short Dur Manag Add +23.5% 0.46% +0.07
XJH Ishare ESG SS S&P Midcap ETF Add +12.6% 1.01% +0.07
AVUS Avantis U.S. Equity ETF New 0.06% +0.06
TSLA Tesla Inc. Add +46.3% 0.17% +0.06
CRM Salesforce Inc. New 0.05% +0.05
BSMQ Invesco Bulletshares 2026 MB New 0.05% +0.05
AVGO Broadcom Inc. Add +102.6% 0.14% +0.05
GOOGL Alphabet Inc. Class A Add +26.6% 0.60% +0.05
GOOG Alphabet Inc. Class C Add +26.5% 0.25% +0.03
NULG Nuveen ESG LRG-Cap GRW ETF Add +1.4% 1.64% +0.02
JPM JPMorgan Chase & Co. Add +45.9% 0.16% +0.02
DIS The Walt Disney Co. Add +32.5% 0.07% +0.01
V Visa Inc. Class A Add +100.1% 0.07% +0.01
GS Goldman Sachs Group Inc. Add +22.7% 0.10% +0.01
IBM Intl Business Machines Corp. Add +25.4% 0.16% +0.00
GLW Corning Inc. Add +4.8% 0.27% +0.00
VCLT Vanguard Long-Term Corp. Bond Add +13.2% 4.87% +0.00
VTRS Viatris Inc. Add +2.2% 0.09% +0.00
PZA Invesco National Amt-Free Mu Add +7.6% 0.21% +0.00
MCD McDonald's Corp. Add +42.2% 0.10% +0.00
PNC PNC Financial Services Group Add +5.4% 0.12% +0.00
TJX TJX Companies Inc. Add +11.0% 0.06% −0.00
PG The Procter & Gamble Co. Add +91.6% 0.06% −0.00
AAPL Apple Inc. Add +28.7% 1.14% −0.00
MSFT Microsoft Corp. Add +72.3% 0.61% −0.01
SO The Southern Co. Add +13.6% 0.05% −0.01
HD Home Depot Inc. Add +42.2% 0.10% −0.01
SLB SLB Ltd. Add +10.9% 0.07% −0.01
UNH Unitedhealth Group Inc. Add +47.9% 0.08% −0.01
LLY Eli Lilly & Co. Add +60.0% 0.11% −0.02
NUE Nucor Corp. Add +2.3% 0.06% −0.02
BRK.B Berkshire Hathaway Inc. Class B Add +25.4% 0.29% −0.04
DFSI Dimensional Int Sus COR1 ETF Add +9.9% 5.35% −0.17
IJR iShares Core S&P Small-Cap E Add +1.0% 3.67% −0.17
BIV Vanguard Intermediate-Term B Add +6.4% 10.02% −0.27
BGRN iShares Usd Green Bond ETF Add +0.8% 4.09% −0.29

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 131$609.5MVOO, FLXR, BIV, DFSI, JIRE
Q1 2026 112$538.4MVOO, BIV, FLXR, DFSI, JIRE
Q4 2025 108$510.9MVOO, BIV, FLXR, DFSI, VUG
Q3 2025 127$561.0MVOO, META, BIV, FLXR, DFSI
Q2 2025 92$432.7MVOO, BIV, META, FLXR, DFSI
Q1 2025 87$411.2MVOO, BIV, META, DFSI, VUG
Q4 2024 90$393.7MVOO, BIV, META, VUG, DFSI
Q3 2024 90$378.0MVOO, BIV, META, VUG, DFSI
Q2 2024 78$329.2MVOO, BIV, META, VUG, VYM
Q1 2024 69$309.0MVOO, BIV, META, VYM, VUG