# EDGAR Filing Document

**Accession Number:** 0001516450
**File Stem:** 0001951757-25-000906
**Filing Date:** 2025-7
**Character Count:** 11969
**Document Hash:** 948e17eabe2b9d3e1679af4770421671
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-000906.hdr.sgml**: 20250722

**ACCESSION NUMBER**: 0001951757-25-000906

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250722

**DATE AS OF CHANGE**: 20250722

**EFFECTIVENESS DATE**: 20250722

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WEALTHCARE CAPITAL MANAGEMENT LLC
- **CENTRAL INDEX KEY:** 0001516450

**ORGANIZATION NAME:**
- **EIN:** 364776378
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-14447
- **FILM NUMBER:** 251139088

**BUSINESS ADDRESS:**
- **STREET 1:** TWO JAMES CENTER
- **STREET 2:** 1021 EAST CARY STREET, SUITE 1120
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23219
- **BUSINESS PHONE:** 804-644-4711

**MAIL ADDRESS:**
- **STREET 1:** TWO JAMES CENTER
- **STREET 2:** 1021 EAST CARY STREET, SUITE 1120
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23219

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** WEALTHCARE CAPITAL MANAGEMENT, INC.
- **DATE OF NAME CHANGE:** 20120515

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Financeware, Inc.
- **DATE OF NAME CHANGE:** 20110324

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** WEALTHCARE CAPITAL MANAGEMENT LLC<br>**Address:** TWO JAMES CENTER<br>1021 EAST CARY STREET SUITE 1120<br>RICHMOND, VA 23219

**Form 13F File Number:** 028-14447

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:** James Krause<br>**Title:** Chief Compliance Officer<br>**Phone:** (804) 644-4711

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

James Krause  Richmond, VA  07-22-2025<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:** 78

**Form 13F Information Table Value Total:** $945866333

      (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 |
| APPLE INC | COM | 037833100 |  | 2031881 | 9903 | SH |  | SOLE |  | 0 | 0 | 9903 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1526822 | 15391 | SH |  | SOLE |  | 0 | 0 | 15391 |
| AMAZON COM INC | COM | 023135106 |  | 381080 | 1737 | SH |  | SOLE |  | 0 | 0 | 1737 |
| BROADCOM INC | COM | 11135F101 |  | 348697 | 1265 | SH |  | SOLE |  | 0 | 0 | 1265 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 692218 | 7546 | SH |  | SOLE |  | 0 | 0 | 7546 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 557527 | 26650 | SH |  | SOLE |  | 0 | 0 | 26650 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1443223 | 2971 | SH |  | SOLE |  | 0 | 0 | 2971 |
| EA SERIES TRUST | ALPHA ARCHITECT | 02072L516 |  | 978306 | 11012 | SH |  | SOLE |  | 0 | 0 | 11012 |
| CAPITAL GRP FIXED INCM ETF T | CORE PLUS INCM | 14020Y102 |  | 950648 | 42251 | SH |  | SOLE |  | 0 | 0 | 42251 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 515384 | 13051 | SH |  | SOLE |  | 0 | 0 | 13051 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 381541 | 9386 | SH |  | SOLE |  | 0 | 0 | 9386 |
| CAPITAL GROUP INTL FOCUS EQT | SHS CREATION UNI | 14019W109 |  | 202553 | 7466 | SH |  | SOLE |  | 0 | 0 | 7466 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 356070 | 360 | SH |  | SOLE |  | 0 | 0 | 360 |
| DBX ETF TR | XTRACK MSCI EAFE | 233051200 |  | 1122728 | 25662 | SH |  | SOLE |  | 0 | 0 | 25662 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 337150 | 9407 | SH |  | SOLE |  | 0 | 0 | 9407 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 334453 | 759 | SH |  | SOLE |  | 0 | 0 | 759 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 3019347 | 25993 | SH |  | SOLE |  | 0 | 0 | 25993 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 219721 | 2458 | SH |  | SOLE |  | 0 | 0 | 2458 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 209674 | 3303 | SH |  | SOLE |  | 0 | 0 | 3303 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 804569 | 12743 | SH |  | SOLE |  | 0 | 0 | 12743 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 330132 | 7216 | SH |  | SOLE |  | 0 | 0 | 7216 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 220464 | 1251 | SH |  | SOLE |  | 0 | 0 | 1251 |
| FLEXSHARES TR | MORNSTAR UPSTR | 33939L407 |  | 277773 | 6925 | SH |  | SOLE |  | 0 | 0 | 6925 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 169825900 | 1773268 | SH |  | SOLE |  | 0 | 0 | 1773268 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 9950089 | 83551 | SH |  | SOLE |  | 0 | 0 | 83551 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 305153 | 6204 | SH |  | SOLE |  | 0 | 0 | 6204 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 457571 | 7378 | SH |  | SOLE |  | 0 | 0 | 7378 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 8300909 | 61470 | SH |  | SOLE |  | 0 | 0 | 61470 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2570936 | 4141 | SH |  | SOLE |  | 0 | 0 | 4141 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 356063 | 3234 | SH |  | SOLE |  | 0 | 0 | 3234 |
| INVESCO LTD | SHS | G491BT108 |  | 8902875 | 564545 | SH |  | SOLE |  | 0 | 0 | 564545 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 248158 | 1150 | SH |  | SOLE |  | 0 | 0 | 1150 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 3297294 | 9394 | SH |  | SOLE |  | 0 | 0 | 9394 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 3547369 | 45885 | SH |  | SOLE |  | 0 | 0 | 45885 |
| J P MORGAN EXCHANGE TRADED F | EQUITY PREMIUM | 46641Q332 |  | 487773 | 8580 | SH |  | SOLE |  | 0 | 0 | 8580 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 217143 | 749 | SH |  | SOLE |  | 0 | 0 | 749 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 294003 | 519 | SH |  | SOLE |  | 0 | 0 | 519 |
| META PLATFORMS INC | CL A | 30303M102 |  | 290069 | 393 | SH |  | SOLE |  | 0 | 0 | 393 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 455395 | 3471 | SH |  | SOLE |  | 0 | 0 | 3471 |
| MICROSOFT CORP | COM | 594918104 |  | 717398 | 1442 | SH |  | SOLE |  | 0 | 0 | 1442 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 6045736 | 57865 | SH |  | SOLE |  | 0 | 0 | 57865 |
| NETFLIX INC | COM | 64110L106 |  | 219617 | 164 | SH |  | SOLE |  | 0 | 0 | 164 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 647443 | 4098 | SH |  | SOLE |  | 0 | 0 | 4098 |
| SPROTT PHYSICAL GOLD TR | UNIT | 85207H104 |  | 27326210 | 1077957 | SH |  | SOLE |  | 0 | 0 | 1077957 |
| SPROTT PHYSICAL SILVER TR | TR UNIT | 85207K107 |  | 29914658 | 2444008 | SH |  | SOLE |  | 0 | 0 | 2444008 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 588600 | 1067 | SH |  | SOLE |  | 0 | 0 | 1067 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 681014 | 28578 | SH |  | SOLE |  | 0 | 0 | 28578 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 898138 | 33892 | SH |  | SOLE |  | 0 | 0 | 33892 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 426221 | 19286 | SH |  | SOLE |  | 0 | 0 | 19286 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 9622385 | 360659 | SH |  | SOLE |  | 0 | 0 | 360659 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 1119303 | 45798 | SH |  | SOLE |  | 0 | 0 | 45798 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 1167066 | 16058 | SH |  | SOLE |  | 0 | 0 | 16058 |
| SPDR SERIES TRUST | NUVEEN ICE SHORT | 78468R739 |  | 1571542 | 32857 | SH |  | SOLE |  | 0 | 0 | 32857 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 513011 | 4646 | SH |  | SOLE |  | 0 | 0 | 4646 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 2681018 | 32356 | SH |  | SOLE |  | 0 | 0 | 32356 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 597997 | 14769 | SH |  | SOLE |  | 0 | 0 | 14769 |
| SPDR SERIES TRUST | PORTFLI TIPS ETF | 78464A656 |  | 1387695 | 53250 | SH |  | SOLE |  | 0 | 0 | 53250 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 7096839 | 97632 | SH |  | SOLE |  | 0 | 0 | 97632 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 1434001 | 26370 | SH |  | SOLE |  | 0 | 0 | 26370 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 1794405 | 42122 | SH |  | SOLE |  | 0 | 0 | 42122 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 725974 | 1175 | SH |  | SOLE |  | 0 | 0 | 1175 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 82748718 | 804088 | SH |  | SOLE |  | 0 | 0 | 804088 |
| SPDR SERIES TRUST | NUVEEN ICE MUNIC | 78468R721 |  | 6871809 | 153835 | SH |  | SOLE |  | 0 | 0 | 153835 |
| TESLA INC | COM | 88160R101 |  | 353556 | 1113 | SH |  | SOLE |  | 0 | 0 | 1113 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 81543629 | 1620823 | SH |  | SOLE |  | 0 | 0 | 1620823 |
| RBB FD INC | US TREASR 10 YR | 74933W536 |  | 17895703 | 407647 | SH |  | SOLE |  | 0 | 0 | 407647 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1180652 | 20710 | SH |  | SOLE |  | 0 | 0 | 20710 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 66211404 | 984996 | SH |  | SOLE |  | 0 | 0 | 984996 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 227388 | 1111 | SH |  | SOLE |  | 0 | 0 | 1111 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 662902 | 7443 | SH |  | SOLE |  | 0 | 0 | 7443 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 614040 | 1081 | SH |  | SOLE |  | 0 | 0 | 1081 |
| VANGUARD WORLD FD | ESG INTL STK ETF | 921910725 |  | 762092 | 11635 | SH |  | SOLE |  | 0 | 0 | 11635 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 359357895 | 1182371 | SH |  | SOLE |  | 0 | 0 | 1182371 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 299565 | 1050 | SH |  | SOLE |  | 0 | 0 | 1050 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 518736 | 10488 | SH |  | SOLE |  | 0 | 0 | 10488 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1377849 | 12782 | SH |  | SOLE |  | 0 | 0 | 12782 |
| INVESCO EXCHANGE TRADED FD T | S SMLCP MOMENT | 46137V498 |  | 968333 | 14236 | SH |  | SOLE |  | 0 | 0 | 14236 |
| ISHARES TR | EXPONENTIAL TECH | 46434V381 |  | 347130 | 5320 | SH |  | SOLE |  | 0 | 0 | 5320 |

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