# EDGAR Filing Document

**Accession Number:** 0001727514
**File Stem:** 0001085146-23-000764
**Filing Date:** 2023-2
**Character Count:** 7883
**Document Hash:** deb269230b36bb6431952acfe058ca9c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000764.hdr.sgml**: 20230208

**ACCESSION NUMBER**: 0001085146-23-000764

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230208

**DATE AS OF CHANGE**: 20230207

**EFFECTIVENESS DATE**: 20230208

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Francis Financial, Inc.
- **CENTRAL INDEX KEY:** 0001727514
- **IRS NUMBER:** 200247051

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18221
- **FILM NUMBER:** 23596768

**BUSINESS ADDRESS:**
- **BUSINESS PHONE:** 2123749008

**MAIL ADDRESS:**
- **STREET 1:** 39 BROADWAY
- **STREET 2:** SUITE 1730
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10006

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Francis Financial Inc.<br>**Address:** 39 BROADWAY<br>SUITE 1730<br>NEW YORK, NY 10006

**Form 13F File Number:** 028-18221

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Avani Ramnani<br>**Title:** Managing Director<br>**Phone:** 212-374-9008

**Signature, Place, and Date of Signing:**

/s/Avani Ramnani  New York, NY  02-07-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 39

**Form 13F Information Table Value Total:** $107513630

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 404368 | 4583 | SH |  | SOLE |  | 0 | 0 | 4583 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 695639 | 8281 | SH |  | SOLE |  | 0 | 0 | 8281 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1581411 | 12171 | SH |  | SOLE |  | 0 | 0 | 12171 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 649308 | 2102 | SH |  | SOLE |  | 0 | 0 | 2102 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 271551 | 4269 | SH |  | SOLE |  | 0 | 0 | 4269 |
| CORNING INC | COM | 219350105 | BBG001S5RLH1 | 693769 | 21721 | SH |  | SOLE |  | 0 | 0 | 21721 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 | BBG01B92W7S9 | 218457 | 7753 | SH |  | SOLE |  | 0 | 0 | 7753 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 | BBG01B92VTS2 | 967661 | 34825 | SH |  | SOLE |  | 0 | 0 | 34825 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 | BBG00Y2PGDN6 | 584033 | 23324 | SH |  | SOLE |  | 0 | 0 | 23324 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 | BBG01254JDW6 | 875618 | 18998 | SH |  | SOLE |  | 0 | 0 | 18998 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | BBG0177CTQC7 | 5954571 | 177855 | SH |  | SOLE |  | 0 | 0 | 177855 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 392825 | 7680 | SH |  | SOLE |  | 0 | 0 | 7680 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 840489 | 5950 | SH |  | SOLE |  | 0 | 0 | 5950 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 10960988 | 115818 | SH |  | SOLE |  | 0 | 0 | 115818 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 455459 | 1185 | SH |  | SOLE |  | 0 | 0 | 1185 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 | BBG00H4BFM35 | 1471553 | 61908 | SH |  | SOLE |  | 0 | 0 | 61908 |
| ISHARES TR | MSCI KLD400 SOC | 464288570 | BBG001SRYH02 | 8804793 | 122647 | SH |  | SOLE |  | 0 | 0 | 122647 |
| ISHARES TR | PFD AND INCM SEC | 464288687 | BBG001SNVWC8 | 209894 | 6875 | SH |  | SOLE |  | 0 | 0 | 6875 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 420935 | 2414 | SH |  | SOLE |  | 0 | 0 | 2414 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 | BBG001SFC7Z6 | 504916 | 2288 | SH |  | SOLE |  | 0 | 0 | 2288 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 384235 | 2649 | SH |  | SOLE |  | 0 | 0 | 2649 |
| ISHARES TR | USD GRN BOND ETF | 46435U440 | BBG00MK1NQ85 | 355486 | 7733 | SH |  | SOLE |  | 0 | 0 | 7733 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 237177 | 900 | SH |  | SOLE |  | 0 | 0 | 900 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 375565 | 3121 | SH |  | SOLE |  | 0 | 0 | 3121 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 624405 | 2604 | SH |  | SOLE |  | 0 | 0 | 2604 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 | BBG00FJ5GY57 | 293340 | 6000 | SH |  | SOLE |  | 0 | 0 | 6000 |
| RENT THE RUNWAY INC | COM CL A | 76010Y103 | BBG001V0FB29 | 43694 | 14326 | SH |  | SOLE |  | 0 | 0 | 14326 |
| SCHLUMBERGER LTD | COM STK | 806857108 | BBG001S5W4C8 | 384752 | 7197 | SH |  | SOLE |  | 0 | 0 | 7197 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 692581 | 1811 | SH |  | SOLE |  | 0 | 0 | 1811 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 1580665 | 21268 | SH |  | SOLE |  | 0 | 0 | 21268 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 2146231 | 10071 | SH |  | SOLE |  | 0 | 0 | 10071 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 503411 | 2470 | SH |  | SOLE |  | 0 | 0 | 2470 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 43237993 | 123066 | SH |  | SOLE |  | 0 | 0 | 123066 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 550620 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 2509111 | 64369 | SH |  | SOLE |  | 0 | 0 | 64369 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 236155 | 1555 | SH |  | SOLE |  | 0 | 0 | 1555 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 577255 | 13754 | SH |  | SOLE |  | 0 | 0 | 13754 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 15250902 | 140938 | SH |  | SOLE |  | 0 | 0 | 140938 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 | BBG001SHTTR5 | 571814 | 1790 | SH |  | SOLE |  | 0 | 0 | 1790 |

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