Managing Director

0001085146-24-005311.txt : 20241101 0001085146-24-005311.hdr.sgml : 20241101 20241101124335 ACCESSION NUMBER: 0001085146-24-005311 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240930 FILED AS OF DATE: 20241101 DATE AS OF CHANGE: 20241101 EFFECTIVENESS DATE: 20241101 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Francis Financial, Inc. CENTRAL INDEX KEY: 0001727514 ORGANIZATION NAME: IRS NUMBER: 200247051 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-18221 FILM NUMBER: 241418150 BUSINESS ADDRESS: BUSINESS PHONE: 2123749008 MAIL ADDRESS: STREET 1: 39 BROADWAY STREET 2: SUITE 1730 CITY: NEW YORK STATE: NY ZIP: 10006 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001727514 XXXXXXXX 09-30-2024 09-30-2024 false Francis Financial, Inc.

39 BROADWAY SUITE 1730 NEW YORK NY 10006

13F HOLDINGS REPORT 028-18221 000128067 801-76703 N Avani Ramnani Managing Director 212-374-9008 /s/Avani Ramnani New York NY 11-01-2024 0 93 379307348 false INFORMATION TABLE 2 infotable.xml INFORMATION TABLE ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2081768 12552 SH SOLE 0 0 12552 ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 803850 4808 SH SOLE 0 0 4808 AMAZON COM INC COM 023135106 BBG001S5PQL7 1861888 9992 SH SOLE 0 0 9992 AMAZON COM INC COM 023135106 BBG001S5PQL7 428559 2300 PRN Put SOLE 0 0 2300 APPLE INC COM 037833100 BBG001S5N8V8 4322700 18552 SH SOLE 0 0 18552 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1223832 2659 SH SOLE 0 0 2659 BROADCOM INC COM 11135F101 BBG00KHY5SY8 362078 2099 SH SOLE 0 0 2099 CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 BBG015H8BXT5 345670 9486 SH SOLE 0 0 9486 CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 BBG015DN3GR4 316726 10505 SH SOLE 0 0 10505 CORNING INC COM 219350105 BBG001S5RLH1 1025267 22708 SH SOLE 0 0 22708 DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682 BBG01B92W7S9 4312138 121743 SH SOLE 0 0 121743 DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 BBG01B92VTS2 20845192 583324 SH SOLE 0 0 583324 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 724712 22804 SH SOLE 0 0 22804 DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 676439 19727 SH SOLE 0 0 19727 DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 BBG011DXXNJ2 522480 8400 SH SOLE 0 0 8400 DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 BBG01BN5Z188 9694874 314666 SH SOLE 0 0 314666 DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 2277691 54634 SH SOLE 0 0 54634 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 365414 5634 SH SOLE 0 0 5634 DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 883903 32725 SH SOLE 0 0 32725 DISNEY WALT CO COM 254687106 BBG001S5QHF3 225085 2340 SH SOLE 0 0 2340 ELI LILLY & CO COM 532457108 BBG001S5STL8 492002 555 SH SOLE 0 0 555 FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830 BBG00MFP1CK9 1472036 73565 SH SOLE 0 0 73565 GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 354994 717 SH SOLE 0 0 717 HOME DEPOT INC COM 437076102 BBG001S5RTW7 411272 1015 SH SOLE 0 0 1015 INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 586747 2654 SH SOLE 0 0 2654 INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 BBG001T06LJ2 794777 32910 SH SOLE 0 0 32910 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 1676711 9359 SH SOLE 0 0 9359 INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 350435 718 SH SOLE 0 0 718 ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 391061 6238 SH SOLE 0 0 6238 ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 266855 4282 SH SOLE 0 0 4282 ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 14530345 124233 SH SOLE 0 0 124233 ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1891393 3279 SH SOLE 0 0 3279 ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 250820 5323 SH SOLE 0 0 5323 ISHARES TR ESG ADV INVT GRA 46436E437 BBG013BSDDS5 4777538 56190 SH SOLE 0 0 56190 ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 2418786 57838 SH SOLE 0 0 57838 ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 9162123 364154 SH SOLE 0 0 364154 ISHARES TR ESG SCRD S&P MID 46436E551 BBG00XDJF7W4 3574986 84538 SH SOLE 0 0 84538 ISHARES TR MSCI KLD400 SOC 464288570 BBG001SRYH02 11544527 106118 SH SOLE 0 0 106118 ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1345383 12385 SH SOLE 0 0 12385 ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 5761425 106045 SH SOLE 0 0 106045 ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 649783 1731 SH SOLE 0 0 1731 ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 819416 3710 SH SOLE 0 0 3710 ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 663589 2031 SH SOLE 0 0 2031 ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 500338 5225 SH SOLE 0 0 5225 ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 337085 1710 SH SOLE 0 0 1710 ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 226243 1675 SH SOLE 0 0 1675 ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 16552390 342416 SH SOLE 0 0 342416 JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 280693 1732 SH SOLE 0 0 1732 JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 536831 2546 SH SOLE 0 0 2546 MCDONALDS CORP COM 580135101 BBG001S5T110 362672 1191 SH SOLE 0 0 1191 META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 33624475 58739 SH SOLE 0 0 58739 META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 572440 1000 PRN Put SOLE 0 0 1000 MICROSOFT CORP COM 594918104 BBG001S5TD05 2336804 5431 SH SOLE 0 0 5431 MICROSOFT CORP COM 594918104 BBG001S5TD05 258180 600 PRN Put SOLE 0 0 600 NUCOR CORP COM 670346105 BBG001S5TRV0 287150 1910 SH SOLE 0 0 1910 NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 6121892 74088 SH SOLE 0 0 74088 NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1524438 12553 SH SOLE 0 0 12553 PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 449741 2433 SH SOLE 0 0 2433 PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 248542 1435 SH SOLE 0 0 1435 SCHLUMBERGER LTD COM STK 806857108 BBG001S5W4C8 308291 7349 SH SOLE 0 0 7349 SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 622355 16654 SH SOLE 0 0 16654 SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 587247 8183 SH SOLE 0 0 8183 SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 600752 14610 SH SOLE 0 0 14610 SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 231488 2222 SH SOLE 0 0 2222 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 480392 7080 SH SOLE 0 0 7080 SOUTHERN CO COM 842587107 BBG001S5W777 224639 2491 SH SOLE 0 0 2491 SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 292376 691 SH SOLE 0 0 691 SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1285797 2241 SH SOLE 0 0 2241 STARBUCKS CORP COM 855244109 BBG001S72KH6 218741 2244 SH SOLE 0 0 2244 TESLA INC COM 88160R101 BBG001SQKGD7 411283 1572 SH SOLE 0 0 1572 TJX COS INC NEW COM 872540109 BBG001S5WQ93 249538 2123 SH SOLE 0 0 2123 UNION PAC CORP COM 907818108 BBG001S5X2M0 217889 884 SH SOLE 0 0 884 UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 368349 630 SH SOLE 0 0 630 VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG001TC6MJ4 14430991 136608 SH SOLE 0 0 136608 VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 38887185 496200 SH SOLE 0 0 496200 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 507444 6756 SH SOLE 0 0 6756 VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 327524 6514 SH SOLE 0 0 6514 VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 21333642 55566 SH SOLE 0 0 55566 VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 232749 884 SH SOLE 0 0 884 VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 583065 2210 SH SOLE 0 0 2210 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 69999618 132653 SH SOLE 0 0 132653 VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 725103 3057 SH SOLE 0 0 3057 VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 3495088 12337 SH SOLE 0 0 12337 VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 307031 1759 SH SOLE 0 0 1759 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 338751 5377 SH SOLE 0 0 5377 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2570142 53712 SH SOLE 0 0 53712 VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 18382356 226300 SH SOLE 0 0 226300 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 308021 1555 SH SOLE 0 0 1555 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 798856 15127 SH SOLE 0 0 15127 VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 17502603 136526 SH SOLE 0 0 136526 VIATRIS INC COM 92556V106 BBG00Y52JV51 314155 27059 SH SOLE 0 0 27059 VISA INC COM CL A 92826C839 BBG001SRCFY3 219411 798 SH SOLE 0 0 798 WALMART INC COM 931142103 BBG001S5XH92 237292 2939 SH SOLE 0 0 2939