Francis Financial, Inc.
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed August 8, 2025), Francis Financial, Inc. reported 92 stock positions worth $432.7 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 16.3% of the portfolio, followed by Vanguard Intermediate-Term B (BIV, 10.4%) and Meta Platforms Class A (META, 8.8%). Compared with Q1 2025, it opened 13 new positions, sold out of 8, added to 29 and reduced 30. The biggest buy was a new position in Vanguard NY Tax-Ex Bond (MUNY) and the biggest sale an exit from Vanguard Mrngstar GR ETF-Sui (VUG).
- Most Recent 13F
- Q2 2026
- Location
- NEW YORK, NY
- CIK
- 0001727514
- Portfolio Value
- $432.7M (Q2 2025)
- SEC Filing
- 0001085146-25-004708 ↗ filed Aug 8, 2025
Holdings Value
Holdings 92 stocks · $432.7M
| VOO Vanguard S&P 500 ETF | 16.34% | 124,459 | $70.7M | Reduce -5.7% |
| BIV Vanguard Intermediate-Term B | 10.43% | 583,192 | $45.1M | Add +1.5% |
| META Meta Platforms Inc. Class A | 8.78% | 51,477 | $38.0M | Reduce -8.5% |
| FLXR TCW Flexible Income ETF | 6.91% | 757,595 | $29.9M | Add +64.9% |
| DFSI Dimensional Int Sus COR1 ETF | 6.32% | 694,253 | $27.4M | Add +3.0% |
| JIRE JPMorgan Int Res Enh Eqty | 5.34% | 326,329 | $23.1M | Add +7.8% |
| VYM Vanguard High DVD Yield ETF | 3.70% | 120,181 | $16.0M | Reduce -5.5% |
| IVOO Vanguard S&P Mid-Cap 400 ETF | 3.54% | 145,797 | $15.3M | Reduce -23.9% |
| IJR iShares Core S&P Small-Cap E | 2.84% | 112,436 | $12.3M | Reduce -14.3% |
| BGRN iShares Usd Green Bond ETF | 2.79% | 253,244 | $12.1M | Reduce -31.5% |
| MUNY Vanguard NY Tax-Ex Bond | 2.78% | 119,121 | $12.0M | New |
| DSI iShares ESG MSCI KLD 400 ETF | 2.63% | 98,133 | $11.4M | Reduce -4.3% |
| DFLV Dim US Large Cap Value ETF | 2.52% | 351,879 | $10.9M | Reduce -15.1% |
| SUSB iShares ESG Aware 1-5 Year U | 2.29% | 393,692 | $9.9M | Reduce -2.4% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.74% | 26,890 | $7.5M | Add +1155.4% |
| NULG Nuveen ESG LRG-Cap GRW ETF | 1.49% | 68,512 | $6.4M | Reduce -2.9% |
| NVDA Nvidia Corp. | 1.06% | 28,936 | $4.6M | Reduce -6.4% |
| AMZN Amazon.com Inc. | 1.05% | 20,670 | $4.5M | Add +104.1% |
| VONE Vanguard Russell 1000 | 1.04% | 16,051 | $4.5M | New |
| VTI VG Morningstar TS MKT ETF-US | 0.95% | 13,496 | $4.1M | Add +13.7% |
| AAPL Apple Inc. | 0.84% | 17,736 | $3.6M | Add +1.0% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.78% | 19,059 | $3.4M | New |
| FSMB First Trust Short Dur Manag | 0.62% | 133,797 | $2.7M | Reduce -1.5% |
| GOOGL Alphabet Inc. Class A | 0.59% | 14,527 | $2.6M | Add +18.3% |
| RSP Invesco S&P 500 Equal Weight | 0.58% | 13,732 | $2.5M | Reduce -1.5% |
| IVV iShares Core S&P 500 ETF | 0.57% | 3,945 | $2.4M | Reduce -3.4% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.56% | 6,557 | $2.4M | New |
| NYF iShares New York Muni Bond E | 0.55% | 45,343 | $2.4M | Reduce -75.0% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.54% | 56,138 | $2.3M | Reduce -40.8% |
| VTWO Vanguard Russell 2000 ETF | 0.52% | 25,882 | $2.3M | New |
| ESML iShares ESG Aware MSCI USA S | 0.52% | 54,456 | $2.3M | Reduce -3.6% |
| MSFT Microsoft Corp. | 0.52% | 4,514 | $2.2M | Reduce -12.0% |
| VWO Vanguard Ftse Emerging Marke | 0.52% | 45,349 | $2.2M | Add +1.8% |
| MUB iShares National Muni Bond E | 0.51% | 21,301 | $2.2M | Add +30.6% |
| DFUV Dimensional US Marketwide Va | 0.50% | 51,179 | $2.2M | Reduce -0.7% |
| ELQD iShares ESG Adv Inv GR CB | 0.50% | 26,222 | $2.2M | Reduce -52.0% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.33% | 2,904 | $1.4M | Add +2.9% |
| MCD McDonald's Corp. | 0.27% | 3,925 | $1.1M | Reduce -21.5% |
| GLW Corning Inc. | 0.26% | 21,037 | $1.1M | Reduce -7.4% |
| SCMB Schwab Municipal Bond ETF | 0.25% | 42,671 | $1.1M | New |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.24% | 3,471 | $1.0M | Add +5.6% |
| GOOG Alphabet Inc. Class C | 0.22% | 5,445 | $966K | Add +8.0% |
| DFAX Dimensional World Ex US Core | 0.20% | 29,119 | $855K | Reduce -8.8% |
| JPM JPMorgan Chase & Co. | 0.20% | 2,934 | $851K | Add +6.5% |
| AVGO Broadcom Inc. | 0.18% | 2,808 | $774K | Add +8.7% |
| IWM iShares Russell 2000 ETF | 0.18% | 3,536 | $763K | No change |
| IWF iShares Russell 1000 Growth | 0.17% | 1,731 | $735K | No change |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 0.15% | 16,654 | $666K | No change |
| TOUS T Rowe PRC International Eq | 0.15% | 20,371 | $659K | New |
| DFAI Dimensional International Co. | 0.15% | 18,901 | $653K | Reduce -17.1% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.13% | 2,385 | $565K | Add +0.6% |
| DFUS Dimensional US Eq MKT ETF | 0.13% | 8,400 | $563K | No change |
| LLY Eli Lilly & Co. | 0.13% | 697 | $543K | Add +4.0% |
| DFAC Dimensional US Core Equity 2 | 0.12% | 14,876 | $533K | No change |
| GS Goldman Sachs Group Inc. | 0.12% | 742 | $525K | Add +1.4% |
| IVW iShares S&P 500 Growth ETF | 0.12% | 4,717 | $519K | No change |
| FNDX Schwab Fndmntl US LRG Co. ETF | 0.12% | 20,787 | $510K | No change |
| COST Costco Wholesale Corp. | 0.12% | 504 | $499K | Add +130.1% |
| PNC PNC Financial Services Group | 0.11% | 2,443 | $455K | Reduce -0.4% |
| TSLA Tesla Inc. | 0.10% | 1,374 | $436K | Add +8.2% |
| BND Vanguard Total Bond Market | 0.10% | 5,730 | $422K | No change |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.09% | 8,623 | $408K | Add +8.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.09% | 651 | $402K | No change |
| MA Mastercard Inc. Class A | 0.09% | 710 | $399K | New |
| HD Home Depot Inc. | 0.09% | 1,074 | $394K | Add +5.2% |
| QQQ Invesco QQQ Trust Series 1 | 0.09% | 700 | $386K | No change |
| CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE | 0.09% | 9,486 | $375K | No change |
| SCHX Schwab US Large-Cap ETF | 0.09% | 15,288 | $374K | No change |
| V Visa Inc. Class A | 0.08% | 975 | $346K | Add +8.1% |
| IVE iShares S&P 500 Value ETF | 0.08% | 1,710 | $334K | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.07% | 2,581 | $320K | Add +4.2% |
| DFAS Dimensional US Small Cap ETF | 0.07% | 5,012 | $319K | No change |
| GE General Electric filed as GE AEROSPACE | 0.07% | 1,215 | $313K | Add +3.3% |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.07% | 691 | $304K | No change |
| NFLX Netflix Inc. | 0.07% | 227 | $303K | New |
| IWV iShares Russell 3000 ETF | 0.07% | 803 | $282K | No change |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.06% | 2,114 | $261K | Add +1.6% |
| IUSV iShares Core S&P U.S. Value | 0.06% | 2,741 | $259K | Reduce -14.9% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.06% | 884 | $252K | No change |
| NUE Nucor Corp. | 0.06% | 1,927 | $250K | Reduce -2.0% |
| VIG Vanguard Dividend Apprec ETF | 0.06% | 1,190 | $244K | No change |
| SO The Southern Co. | 0.06% | 2,624 | $241K | Add +2.1% |
| WMT Walmart Inc. | 0.05% | 2,431 | $238K | New |
| JNJ Johnson & Johnson | 0.05% | 1,463 | $223K | Add +6.9% |
| PG The Procter & Gamble Co. | 0.05% | 1,402 | $223K | Reduce -0.1% |
| DVY iShares Select Dividend ETF | 0.05% | 1,675 | $222K | No change |
| BSX Boston Scientific Corp. | 0.05% | 2,009 | $216K | New |
| SLB SLB Ltd. filed as SCHLUMBERGER LTD | 0.05% | 6,262 | $212K | Reduce -20.0% |
| CMG Chipotle Mexican Grill Inc. | 0.05% | 3,690 | $207K | New |
| IWD iShares Russell 1000 Value E | 0.05% | 1,048 | $203K | New |
| BSMQ Invesco Bulletshares 2026 MB | 0.05% | 8,635 | $203K | No change |
| VTRS Viatris Inc. | 0.03% | 13,209 | $118K | Reduce -51.4% |
Options reported separately and not counted above: META puts ($1.3M), MSFT puts ($597K), AMZN puts ($461K).
Portfolio Sells Q1 2025 → Q2 2025
| VUG Vanguard Mrngstar GR ETF-Sui | Sold out | 0.00% | −5.29 |
| NYF iShares New York Muni Bond E | Reduce -75.0% | 0.55% | −1.77 |
| BGRN iShares Usd Green Bond ETF | Reduce -31.5% | 2.79% | −1.47 |
| IVOO Vanguard S&P Mid-Cap 400 ETF | Reduce -23.9% | 3.54% | −1.06 |
| DFSE Dimensional Em Sus CORE1 ETF | Sold out | 0.00% | −0.98 |
| ELQD iShares ESG Adv Inv GR CB | Reduce -52.0% | 0.50% | −0.59 |
| DFLV Dim US Large Cap Value ETF | Reduce -15.1% | 2.52% | −0.56 |
| IJR iShares Core S&P Small-Cap E | Reduce -14.3% | 2.84% | −0.50 |
| XJH Ishare ESG SS S&P Midcap ETF | Reduce -40.8% | 0.54% | −0.36 |
| PZA Invesco National Amt-Free Mu | Sold out | 0.00% | −0.30 |
| VYM Vanguard High DVD Yield ETF | Reduce -5.5% | 3.70% | −0.28 |
| SUSB iShares ESG Aware 1-5 Year U | Reduce -2.4% | 2.29% | −0.16 |
| VOO Vanguard S&P 500 ETF | Reduce -5.7% | 16.34% | −0.15 |
| VCLT Vanguard Long-Term Corp. Bond | Sold out | 0.00% | −0.14 |
| MCD McDonald's Corp. | Reduce -21.5% | 0.27% | −0.11 |
| VEA Vanguard Ftse Developed ETF | Sold out | 0.00% | −0.11 |
| DGRO iShares Core Dividend Growth | Sold out | 0.00% | −0.09 |
| UNH Unitedhealth Group Inc. | Sold out | 0.00% | −0.06 |
| XOM Exxon Mobil Corp. | Sold out | 0.00% | −0.05 |
| FSMB First Trust Short Dur Manag | Reduce -1.5% | 0.62% | −0.04 |
| SLB SLB Ltd. | Reduce -20.0% | 0.05% | −0.03 |
| VTRS Viatris Inc. | Reduce -51.4% | 0.03% | −0.03 |
| DFAI Dimensional International Co. | Reduce -17.1% | 0.15% | −0.02 |
| DFUV Dimensional US Marketwide Va | Reduce -0.7% | 0.50% | −0.02 |
| IUSV iShares Core S&P U.S. Value | Reduce -14.9% | 0.06% | −0.01 |
| RSP Invesco S&P 500 Equal Weight | Reduce -1.5% | 0.58% | −0.01 |
| ESML iShares ESG Aware MSCI USA S | Reduce -3.6% | 0.52% | −0.01 |
| PG The Procter & Gamble Co. | Reduce -0.1% | 0.05% | −0.01 |
| DFAX Dimensional World Ex US Core | Reduce -8.8% | 0.20% | −0.01 |
| NUE Nucor Corp. | Reduce -2.0% | 0.06% | +0.00 |
| PNC PNC Financial Services Group | Reduce -0.4% | 0.11% | +0.00 |
| GLW Corning Inc. | Reduce -7.4% | 0.26% | +0.00 |
| IVV iShares Core S&P 500 ETF | Reduce -3.4% | 0.57% | +0.01 |
| MSFT Microsoft Corp. | Reduce -12.0% | 0.52% | +0.05 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -4.3% | 2.63% | +0.08 |
| NULG Nuveen ESG LRG-Cap GRW ETF | Reduce -2.9% | 1.49% | +0.14 |
| NVDA Nvidia Corp. | Reduce -6.4% | 1.06% | +0.24 |
| META Meta Platforms Inc. Class A | Reduce -8.5% | 8.78% | +0.90 |
Portfolio Buys Q1 2025 → Q2 2025
| MUNY Vanguard NY Tax-Ex Bond | New | 2.78% | +2.78 |
| FLXR TCW Flexible Income ETF | Add +64.9% | 6.91% | +2.53 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +1155.4% | 1.74% | +1.60 |
| VONE Vanguard Russell 1000 | New | 1.04% | +1.04 |
| VTV Vanguard Mrngstr Val ETF-Aui | New | 0.78% | +0.78 |
| JIRE JPMorgan Int Res Enh Eqty | Add +7.8% | 5.34% | +0.65 |
| DFSI Dimensional Int Sus COR1 ETF | Add +3.0% | 6.32% | +0.61 |
| AMZN Amazon.com Inc. | Add +104.1% | 1.05% | +0.58 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | New | 0.56% | +0.56 |
| VTWO Vanguard Russell 2000 ETF | New | 0.52% | +0.52 |
| SCMB Schwab Municipal Bond ETF | New | 0.25% | +0.25 |
| VTI VG Morningstar TS MKT ETF-US | Add +13.7% | 0.95% | +0.16 |
| TOUS T Rowe PRC International Eq | New | 0.15% | +0.15 |
| GOOGL Alphabet Inc. Class A | Add +18.3% | 0.59% | +0.13 |
| MUB iShares National Muni Bond E | Add +30.6% | 0.51% | +0.10 |
| MA Mastercard Inc. Class A | New | 0.09% | +0.09 |
| AVGO Broadcom Inc. | Add +8.7% | 0.18% | +0.07 |
| NFLX Netflix Inc. | New | 0.07% | +0.07 |
| COST Costco Wholesale Corp. | Add +130.1% | 0.12% | +0.06 |
| WMT Walmart Inc. | New | 0.05% | +0.05 |
| BSX Boston Scientific Corp. | New | 0.05% | +0.05 |
| CMG Chipotle Mexican Grill Inc. | New | 0.05% | +0.05 |
| IWD iShares Russell 1000 Value E | New | 0.05% | +0.05 |
| IBM Intl Business Machines Corp. | Add +5.6% | 0.24% | +0.04 |
| JPM JPMorgan Chase & Co. | Add +6.5% | 0.20% | +0.03 |
| GOOG Alphabet Inc. Class C | Add +8.0% | 0.22% | +0.03 |
| VWO Vanguard Ftse Emerging Marke | Add +1.8% | 0.52% | +0.03 |
| GS Goldman Sachs Group Inc. | Add +1.4% | 0.12% | +0.02 |
| TSLA Tesla Inc. | Add +8.2% | 0.10% | +0.02 |
| GE General Electric | Add +3.3% | 0.07% | +0.01 |
| DIS The Walt Disney Co. | Add +4.2% | 0.07% | +0.01 |
| BAC Bank of America Corp. | Add +8.6% | 0.09% | +0.01 |
| V Visa Inc. Class A | Add +8.1% | 0.08% | +0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +0.6% | 0.13% | +0.00 |
| HD Home Depot Inc. | Add +5.2% | 0.09% | 0.00 |
| TJX TJX Companies Inc. | Add +1.6% | 0.06% | −0.00 |
| SO The Southern Co. | Add +2.1% | 0.06% | −0.00 |
| JNJ Johnson & Johnson | Add +6.9% | 0.05% | −0.00 |
| LLY Eli Lilly & Co. | Add +4.0% | 0.13% | −0.01 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +2.9% | 0.33% | −0.04 |
| AAPL Apple Inc. | Add +1.0% | 0.84% | −0.11 |
| BIV Vanguard Intermediate-Term B | Add +1.5% | 10.43% | −0.27 |
Options Activity Q1 2025 → Q2 2025
| META Meta Platforms Inc. Class A | put | Add +80.0% | 1,800 | $1.3M |
| MSFT Microsoft Corp. | put | Add +100.0% | 1,200 | $597K |
| AMZN Amazon.com Inc. | put | Reduce -4.5% | 2,100 | $461K |
Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 131 | $609.5M | VOO, FLXR, BIV, DFSI, JIRE |
| Q1 2026 | 112 | $538.4M | VOO, BIV, FLXR, DFSI, JIRE |
| Q4 2025 | 108 | $510.9M | VOO, BIV, FLXR, DFSI, VUG |
| Q3 2025 | 127 | $561.0M | VOO, META, BIV, FLXR, DFSI |
| Q2 2025 | 92 | $432.7M | VOO, BIV, META, FLXR, DFSI |
| Q1 2025 | 87 | $411.2M | VOO, BIV, META, DFSI, VUG |
| Q4 2024 | 90 | $393.7M | VOO, BIV, META, VUG, DFSI |
| Q3 2024 | 90 | $378.0M | VOO, BIV, META, VUG, DFSI |
| Q2 2024 | 78 | $329.2M | VOO, BIV, META, VUG, VYM |
| Q1 2024 | 69 | $309.0M | VOO, BIV, META, VYM, VUG |