Francis Financial, Inc.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed February 11, 2026), Francis Financial, Inc. reported 108 stock positions worth $510.9 million. Its top holding was Vanguard S&P 500 ETF (VOO) at 15.5% of the portfolio, followed by Vanguard Intermediate-Term B (BIV, 9.1%) and TCW Flexible Income ETF (FLXR, 7.2%). Compared with Q3 2025, it opened 8 new positions, sold out of 27, added to 50 and reduced 31. The biggest buy was TCW Flexible Income ETF (FLXR, shares +11%) and the biggest sale Meta Platforms Class A (META, shares −23%).
- Most Recent 13F
- Q2 2026
- Location
- NEW YORK, NY
- CIK
- 0001727514
- Portfolio Value
- $510.9M (Q4 2025)
- SEC Filing
- 0001727514-26-000001 ↗ filed Feb 11, 2026
Holdings Value
Holdings 108 stocks · $510.9M
| VOO Vanguard S&P 500 ETF | 15.48% | 126,064 | $79.1M | Reduce -0.1% |
| BIV Vanguard Intermediate-Term B | 9.08% | 595,914 | $46.4M | Reduce -2.0% |
| FLXR TCW Flexible Income ETF | 7.18% | 926,037 | $36.7M | Add +11.0% |
| DFSI Dimensional Int Sus COR1 ETF | 6.22% | 741,881 | $31.8M | Add +5.2% |
| VUG Vanguard Mrngstar GR ETF-Sui | 5.60% | 58,682 | $28.6M | Add +3.6% |
| JIRE JPMorgan Int Res Enh Eqty | 5.38% | 367,367 | $27.5M | Add +5.2% |
| META Meta Platforms Inc. Class A | 5.24% | 40,523 | $26.7M | Reduce -22.7% |
| IVOO Vanguard S&P Mid-Cap 400 ETF | 3.56% | 162,744 | $18.2M | Add +4.9% |
| VYM Vanguard High DVD Yield ETF | 3.04% | 108,113 | $15.5M | Reduce -6.9% |
| IJR iShares Core S&P Small-Cap E | 2.77% | 117,769 | $14.2M | Add +1.7% |
| MUNY Vanguard NY Tax-Ex Bond | 2.67% | 131,987 | $13.6M | Add +2.2% |
| DFLV Dim US Large Cap Value ETF | 2.43% | 362,504 | $12.4M | Reduce -5.1% |
| BGRN iShares Usd Green Bond ETF | 2.39% | 254,269 | $12.2M | Reduce -4.2% |
| DSI iShares ESG MSCI KLD 400 ETF | 2.34% | 92,853 | $12.0M | Reduce -1.1% |
| SUSB iShares ESG Aware 1-5 Year U | 2.05% | 414,014 | $10.4M | Add +0.8% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 1.49% | 26,301 | $7.6M | Reduce -2.2% |
| NULG Nuveen ESG LRG-Cap GRW ETF | 1.31% | 68,239 | $6.7M | Reduce -0.8% |
| AAPL Apple Inc. | 1.20% | 22,539 | $6.1M | Add +13.2% |
| NVDA Nvidia Corp. | 1.15% | 31,477 | $5.9M | Add +3.9% |
| VTI VG Morningstar TS MKT ETF-US | 1.01% | 15,387 | $5.2M | Add +9.6% |
| VONE Vanguard Russell 1000 | 0.96% | 15,860 | $4.9M | Reduce -0.2% |
| DFSE Dimensional Em Sus CORE1 ETF | 0.87% | 107,308 | $4.5M | Add +0.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.72% | 19,305 | $3.7M | Add +0.6% |
| GOOGL Alphabet Inc. Class A | 0.67% | 10,909 | $3.4M | Reduce -16.3% |
| MUB iShares National Muni Bond E | 0.65% | 30,888 | $3.3M | Add +20.4% |
| MSFT Microsoft Corp. | 0.64% | 6,739 | $3.3M | Add +3.5% |
| FSMB First Trust Short Dur Manag | 0.63% | 161,251 | $3.2M | Add +9.1% |
| VCEB Vanguard ESG US Corp. Bond | 0.60% | 47,840 | $3.0M | Add +45.2% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.56% | 50,215 | $2.9M | New |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.52% | 6,415 | $2.6M | No change |
| RSP Invesco S&P 500 Equal Weight | 0.52% | 13,816 | $2.6M | Add +0.3% |
| VWO Vanguard Ftse Emerging Marke | 0.51% | 48,064 | $2.6M | Add +5.3% |
| VTWO Vanguard Russell 2000 ETF | 0.50% | 25,882 | $2.6M | No change |
| IVV iShares Core S&P 500 ETF | 0.50% | 3,713 | $2.5M | Reduce -4.8% |
| ESML iShares ESG Aware MSCI USA S | 0.49% | 53,980 | $2.5M | Add +2.0% |
| XJH Ishare ESG SS S&P Midcap ETF | 0.45% | 51,796 | $2.3M | Add +3.2% |
| NYF iShares New York Muni Bond E | 0.42% | 40,033 | $2.1M | No change |
| AMZN Amazon.com Inc. | 0.39% | 8,661 | $2.0M | Reduce -23.4% |
| DFUV Dimensional US Marketwide Va | 0.39% | 42,353 | $2.0M | Reduce -12.2% |
| GLW Corning Inc. | 0.37% | 21,611 | $1.9M | Add +0.6% |
| GOOG Alphabet Inc. Class C | 0.32% | 5,261 | $1.7M | Add +10.3% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.29% | 2,925 | $1.5M | Reduce -3.3% |
| DFAX Dimensional World Ex US Core | 0.27% | 41,708 | $1.4M | Add +43.2% |
| DFAC Dimensional US Core Equity 2 | 0.25% | 32,895 | $1.3M | Add +121.1% |
| JPM JPMorgan Chase & Co. | 0.25% | 3,903 | $1.3M | Add +16.2% |
| MCD McDonald's Corp. | 0.24% | 3,937 | $1.2M | Add +0.5% |
| AVGO Broadcom Inc. | 0.22% | 3,198 | $1.1M | Add +1.2% |
| SCMB Schwab Municipal Bond ETF | 0.22% | 42,671 | $1.1M | No change |
| DFUS Dimensional US Eq MKT ETF | 0.21% | 14,400 | $1.1M | Add +71.4% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.20% | 3,505 | $1.0M | Add +0.5% |
| GS Goldman Sachs Group Inc. | 0.19% | 1,077 | $947K | Add +23.6% |
| IWM iShares Russell 2000 ETF | 0.17% | 3,474 | $855K | Add +0.1% |
| HD Home Depot Inc. | 0.16% | 2,396 | $824K | Add +6.2% |
| SCHX Schwab US Large-Cap ETF | 0.16% | 30,634 | $824K | Add +100.4% |
| LLY Eli Lilly & Co. | 0.16% | 751 | $807K | Add +3.4% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 0.15% | 16,654 | $753K | No change |
| DFAI Dimensional International Co. | 0.14% | 18,901 | $720K | No change |
| IWF iShares Russell 1000 Growth | 0.14% | 1,499 | $709K | Reduce -0.6% |
| TOUS T Rowe PRC International Eq | 0.14% | 20,373 | $703K | Add +0.0% |
| DFAT Dimensional US Target Value | 0.13% | 11,409 | $679K | New |
| VB Vanguard Most SM-Cap ETF-Usd | 0.12% | 2,328 | $601K | No change |
| TSLA Tesla Inc. | 0.12% | 1,325 | $596K | Reduce -4.3% |
| IVW iShares S&P 500 Growth ETF | 0.11% | 4,717 | $581K | Reduce -0.8% |
| AXP American Express Co. | 0.11% | 1,531 | $566K | Reduce -4.3% |
| PNC PNC Financial Services Group | 0.10% | 2,455 | $512K | Reduce -0.5% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.09% | 8,284 | $456K | Add +0.2% |
| ISRG Intuitive Surgical Inc. | 0.09% | 799 | $453K | Add +5.7% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.09% | 651 | $444K | No change |
| COST Costco Wholesale Corp. | 0.09% | 513 | $442K | Reduce -1.0% |
| GE General Electric filed as GE AEROSPACE | 0.08% | 1,407 | $433K | Add +9.9% |
| QQQ Invesco QQQ Trust Series 1 | 0.08% | 692 | $425K | Reduce -1.1% |
| CGDV Cap Group Dividend Value filed as CAPITAL GROUP DIVIDEND VALUE | 0.08% | 9,486 | $414K | No change |
| BND Vanguard Total Bond Market | 0.08% | 5,554 | $411K | No change |
| V Visa Inc. Class A | 0.07% | 1,084 | $380K | Reduce -3.9% |
| IVE iShares S&P 500 Value ETF | 0.07% | 1,710 | $363K | Reduce -1.1% |
| JNJ Johnson & Johnson | 0.07% | 1,722 | $356K | Add +0.6% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.07% | 2,309 | $355K | Add +2.0% |
| AMD Advanced Micro Devices | 0.07% | 1,655 | $354K | Add +20.7% |
| DFAS Dimensional US Small Cap ETF | 0.07% | 5,012 | $349K | No change |
| DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE | 0.07% | 691 | $332K | No change |
| ITOT iShares Core S&P Total U.S. | 0.06% | 2,199 | $327K | New |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.06% | 2,814 | $320K | Add +1.3% |
| NUE Nucor Corp. | 0.06% | 1,957 | $319K | Add +0.7% |
| IEFA iShares Core MSCI Eafe ETF | 0.06% | 3,522 | $315K | New |
| IWV iShares Russell 3000 ETF | 0.06% | 803 | $311K | No change |
| XOM Exxon Mobil Corp. | 0.06% | 2,499 | $301K | Add +41.7% |
| WMT Walmart Inc. | 0.06% | 2,622 | $292K | Reduce -0.1% |
| SCHZ Schwab US Aggregate Bond ETF | 0.06% | 12,459 | $291K | New |
| TSM Taiwan Semiconductor-SP ADR | 0.06% | 933 | $284K | Add +2.5% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.05% | 836 | $263K | Reduce -5.4% |
| VIG Vanguard Dividend Apprec ETF | 0.05% | 1,190 | $262K | No change |
| IUSV iShares Core S&P U.S. Value | 0.05% | 2,519 | $258K | No change |
| ABBV Abbvie Inc. | 0.05% | 1,048 | $239K | Add +1.8% |
| DVY iShares Select Dividend ETF | 0.05% | 1,675 | $236K | No change |
| SLB SLB Ltd. filed as SLB LIMITED | 0.05% | 5,999 | $230K | Reduce -4.8% |
| SO The Southern Co. | 0.04% | 2,598 | $227K | Reduce -3.7% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.04% | 5,025 | $223K | New |
| MA Mastercard Inc. Class A | 0.04% | 388 | $222K | Reduce -49.8% |
| CSCO Cisco Systems Inc. | 0.04% | 2,788 | $215K | Add +12.7% |
| PLTR Palantir Technologies Inc. Class A | 0.04% | 1,197 | $213K | Add +2.1% |
| NFLX Netflix Inc. | 0.04% | 2,240 | $210K | Reduce -8.6% |
| LRCX Lam Research Corp. | 0.04% | 1,223 | $209K | Add +3.6% |
| VEU Vanguard Ftse All-World Ex-U | 0.04% | 2,798 | $206K | New |
| BSMQ Invesco Bulletshares 2026 MB | 0.04% | 8,635 | $204K | No change |
| QUAL iShares MSCI USA Quality Fac | 0.04% | 1,021 | $203K | Reduce -2.7% |
| BSMR Invesco Bulletshares 2027 MB | 0.04% | 8,564 | $203K | No change |
| BSMS Invesco Bulletshares 2028 MB | 0.04% | 8,524 | $200K | New |
| VTRS Viatris Inc. | 0.03% | 12,988 | $162K | No change |
Options reported separately and not counted above: META puts ($594K), AMZN puts ($392K), MSFT puts ($290K).
Portfolio Sells Q3 2025 → Q4 2025
| META Meta Platforms Inc. Class A | Reduce -22.7% | 5.24% | −8.37 |
| AMZN Amazon.com Inc. | Reduce -23.4% | 0.39% | −0.44 |
| GOOGL Alphabet Inc. Class A | Reduce -16.3% | 0.67% | −0.19 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Sold out | 0.00% | −0.10 |
| ORCL Oracle Corp. | Sold out | 0.00% | −0.09 |
| VCLT Vanguard Long-Term Corp. Bond | Sold out | 0.00% | −0.08 |
| MA Mastercard Inc. Class A | Reduce -49.8% | 0.04% | −0.07 |
| PG The Procter & Gamble Co. | Sold out | 0.00% | −0.07 |
| BSX Boston Scientific Corp. | Sold out | 0.00% | −0.07 |
| NFG National Fuel Gas Co. | Sold out | 0.00% | −0.07 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -3.3% | 0.29% | −0.07 |
| L Loews Corp. | Sold out | 0.00% | −0.06 |
| UNH Unitedhealth Group Inc. | Sold out | 0.00% | −0.06 |
| NFLX Netflix Inc. | Reduce -8.6% | 0.04% | −0.06 |
| PEP Pepsico Inc. | Sold out | 0.00% | −0.05 |
| TSLA Tesla Inc. | Reduce -4.3% | 0.12% | −0.05 |
| ABT Abbott Laboratories | Sold out | 0.00% | −0.05 |
| KO The Coca-Cola Co. | Sold out | 0.00% | −0.05 |
| CVX Chevron Corp. | Sold out | 0.00% | −0.05 |
| T AT&T Inc. | Sold out | 0.00% | −0.05 |
| AMAT Applied Materials Inc. | Sold out | 0.00% | −0.05 |
| KLAC KLA Corp. | Sold out | 0.00% | −0.05 |
| C Citigroup Inc. | Sold out | 0.00% | −0.04 |
| SAP Sap SE-Sponsored ADR | Sold out | 0.00% | −0.04 |
| V Visa Inc. Class A | Reduce -3.9% | 0.07% | −0.04 |
| VST Vistra Corp. | Sold out | 0.00% | −0.04 |
| CEG Constellation Energy | Sold out | 0.00% | −0.04 |
| CRM Salesforce Inc. | Sold out | 0.00% | −0.04 |
| BKNG Booking Holdings Inc. | Sold out | 0.00% | −0.04 |
| NOW ServiceNow Inc. | Sold out | 0.00% | −0.04 |
| PM Philip Morris International | Sold out | 0.00% | −0.04 |
| ANET Arista Networks Inc. | Sold out | 0.00% | −0.04 |
| GEV GE Vernova Inc. | Sold out | 0.00% | −0.04 |
| LAUR Laureate Education Inc. | Sold out | 0.00% | −0.04 |
| COST Costco Wholesale Corp. | Reduce -1.0% | 0.09% | −0.04 |
| COF Capital One Financial Corp. | Sold out | 0.00% | −0.04 |
| WMT Walmart Inc. | Reduce -0.1% | 0.06% | −0.03 |
| SO The Southern Co. | Reduce -3.7% | 0.04% | −0.01 |
| AXP American Express Co. | Reduce -4.3% | 0.11% | −0.00 |
| DFUV Dimensional US Marketwide Va | Reduce -12.2% | 0.39% | +0.00 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -5.4% | 0.05% | +0.00 |
| QUAL iShares MSCI USA Quality Fac | Reduce -2.7% | 0.04% | +0.00 |
| SLB SLB Ltd. | Reduce -4.8% | 0.05% | +0.00 |
| PNC PNC Financial Services Group | Reduce -0.5% | 0.10% | +0.01 |
| IVE iShares S&P 500 Value ETF | Reduce -1.1% | 0.07% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -1.1% | 0.08% | +0.01 |
| IVW iShares S&P 500 Growth ETF | Reduce -0.8% | 0.11% | +0.01 |
| IWF iShares Russell 1000 Growth | Reduce -0.6% | 0.14% | +0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -4.8% | 0.50% | +0.03 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -2.2% | 1.49% | +0.09 |
Portfolio Buys Q3 2025 → Q4 2025
| FLXR TCW Flexible Income ETF | Add +11.0% | 7.18% | +1.26 |
| DFSI Dimensional Int Sus COR1 ETF | Add +5.2% | 6.22% | +1.08 |
| JIRE JPMorgan Int Res Enh Eqty | Add +5.2% | 5.38% | +0.81 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +3.6% | 5.60% | +0.76 |
| SPYV SS SPDR P S&P 500 Value ETF | New | 0.56% | +0.56 |
| IVOO Vanguard S&P Mid-Cap 400 ETF | Add +4.9% | 3.56% | +0.51 |
| IJR iShares Core S&P Small-Cap E | Add +1.7% | 2.77% | +0.32 |
| MUNY Vanguard NY Tax-Ex Bond | Add +2.2% | 2.67% | +0.30 |
| VCEB Vanguard ESG US Corp. Bond | Add +45.2% | 0.60% | +0.22 |
| SUSB iShares ESG Aware 1-5 Year U | Add +0.8% | 2.05% | +0.19 |
| VTI VG Morningstar TS MKT ETF-US | Add +9.6% | 1.01% | +0.19 |
| MUB iShares National Muni Bond E | Add +20.4% | 0.65% | +0.16 |
| DFAC Dimensional US Core Equity 2 | Add +121.1% | 0.25% | +0.15 |
| DFAT Dimensional US Target Value | New | 0.13% | +0.13 |
| DFAX Dimensional World Ex US Core | Add +43.2% | 0.27% | +0.10 |
| FSMB First Trust Short Dur Manag | Add +9.1% | 0.63% | +0.10 |
| DFUS Dimensional US Eq MKT ETF | Add +71.4% | 0.21% | +0.10 |
| SCHX Schwab US Large-Cap ETF | Add +100.4% | 0.16% | +0.09 |
| DFSE Dimensional Em Sus CORE1 ETF | Add +0.1% | 0.87% | +0.09 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +0.6% | 0.72% | +0.08 |
| GOOG Alphabet Inc. Class C | Add +10.3% | 0.32% | +0.07 |
| VWO Vanguard Ftse Emerging Marke | Add +5.3% | 0.51% | +0.06 |
| ITOT iShares Core S&P Total U.S. | New | 0.06% | +0.06 |
| IEFA iShares Core MSCI Eafe ETF | New | 0.06% | +0.06 |
| ESML iShares ESG Aware MSCI USA S | Add +2.0% | 0.49% | +0.06 |
| XJH Ishare ESG SS S&P Midcap ETF | Add +3.2% | 0.45% | +0.06 |
| SCHZ Schwab US Aggregate Bond ETF | New | 0.06% | +0.06 |
| RSP Invesco S&P 500 Equal Weight | Add +0.3% | 0.52% | +0.05 |
| SPDW Ste STR SPDR PT DW Eu ETF | New | 0.04% | +0.04 |
| VEU Vanguard Ftse All-World Ex-U | New | 0.04% | +0.04 |
| GLW Corning Inc. | Add +0.6% | 0.37% | +0.04 |
| BSMS Invesco Bulletshares 2028 MB | New | 0.04% | +0.04 |
| GS Goldman Sachs Group Inc. | Add +23.6% | 0.19% | +0.04 |
| ISRG Intuitive Surgical Inc. | Add +5.7% | 0.09% | +0.02 |
| IWM iShares Russell 2000 ETF | Add +0.1% | 0.17% | +0.02 |
| TOUS T Rowe PRC International Eq | Add +0.0% | 0.14% | +0.02 |
| NUE Nucor Corp. | Add +0.7% | 0.06% | +0.01 |
| LLY Eli Lilly & Co. | Add +3.4% | 0.16% | +0.01 |
| XOM Exxon Mobil Corp. | Add +41.7% | 0.06% | +0.01 |
| MCD McDonald's Corp. | Add +0.5% | 0.24% | +0.01 |
| GE General Electric | Add +9.9% | 0.08% | +0.00 |
| TJX TJX Companies Inc. | Add +2.0% | 0.07% | +0.00 |
| AMD Advanced Micro Devices | Add +20.7% | 0.07% | +0.00 |
| IBM Intl Business Machines Corp. | Add +0.5% | 0.20% | +0.00 |
| CSCO Cisco Systems Inc. | Add +12.7% | 0.04% | −0.00 |
| LRCX Lam Research Corp. | Add +3.6% | 0.04% | −0.01 |
| DIS The Walt Disney Co. | Add +1.3% | 0.06% | −0.01 |
| AAPL Apple Inc. | Add +13.2% | 1.20% | −0.01 |
| BAC Bank of America Corp. | Add +0.2% | 0.09% | −0.01 |
| JPM JPMorgan Chase & Co. | Add +16.2% | 0.25% | −0.02 |
Options Activity Q3 2025 → Q4 2025
| AMZN Amazon.com Inc. | put | Reduce -19.1% | 1,700 | $392K |
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 |