# EDGAR Filing Document

**Accession Number:** 0002096338
**File Stem:** 0002096338-26-000002
**Filing Date:** 2026-4
**Character Count:** 10340
**Document Hash:** ba392a52853149c3779413d359865f50
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002096338-26-000002.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0002096338-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260428

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Frankly Finances, LLC
- **CENTRAL INDEX KEY:** 0002096338

**ORGANIZATION NAME:**
- **EIN:** 881997881
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25981
- **FILM NUMBER:** 26909967

**BUSINESS ADDRESS:**
- **STREET 1:** 2129 LAURELWOOD WAY
- **CITY:** WINTER PARK
- **STATE:** FL
- **ZIP:** 32792
- **BUSINESS PHONE:** 786-897-5035

**MAIL ADDRESS:**
- **STREET 1:** 2129 LAURELWOOD WAY
- **CITY:** WINTER PARK
- **STATE:** FL
- **ZIP:** 32792

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [x] **Amendment Number:** 1

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

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Frankly Finances LLC<br>**Address:** 2129 LAURELWOOD WAY<br>WINTER PARK, FL 32792

**Form 13F File Number:** 028-25981

**CRD Number (if applicable):** 000321270

**SEC File Number (if applicable):** 801-129403

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:** Frank M. Garcia<br>**Title:** Chief Compliance Officer<br>**Phone:** 786-897-5035

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

Frank M. Garcia  Winter Park, FL  04-28-2026<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:** 63

**Form 13F Information Table Value Total:** $105453349

      (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 |
| ALPHA ARCHITECT US EQUITY ETF | EQUITY ETF | 02072Q853 |  | 1726532 | 31331 | SH |  | SOLE |  | 0 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 359540 | 1323 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS ALL EQUITY MARKETS ETF | MARKETS ETF | 025072232 |  | 4436286 | 51639 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS ALL INTRNL MKT EQT ETF | EQT ETF | 025072174 |  | 201592 | 2742 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS EMERGING MARKETS EQ ETF | EQ ETF | 025072604 |  | 4346855 | 56438 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS INTERNATIONAL EQUITY ETF | EQUITY ETF | 025072703 |  | 707952 | 8600 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS INTERNATIONAL LARG CP VL ETF | LARG CP VL ETF | 025072364 |  | 3752396 | 52680 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS INTERNATNL SML CP VL ETF | CP VL ETF | 025072802 |  | 2432226 | 25883 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS U S LARGE CAP VALUE ETF | VALUE ETF | 025072349 |  | 3354262 | 44269 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS U S SMALL CAP EQUITY ETF | EQUITY ETF | 025072323 |  | 1166576 | 19860 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS US EQUITY ETF | EQUITY ETF | 025072885 |  | 847963 | 7586 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS US SMALL CAP VALUE ETF | VALUE ETF | 025072877 |  | 1440366 | 14124 | SH |  | SOLE |  | 0 | 0 | 0 |
| CHARLES SCHWAB US MC ETF | ETF | 808524508 |  | 56832 | 1890 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL EMERG CORE EQY MRKT ETF | INTERNATIONAL VAL ETF | 25434V302 |  | 390286 | 11983 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL EMERG MARK CRE EQY 2 ETF | EQY MRKT ETF | 25434V732 |  | 170362 | 5150 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL INTERN SMALL CAP ETF | CRE EQY 2 ETF | 25434V773 |  | 1646407 | 49982 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL INTERN SMALL CAP VL ETF | CAP ETF | 25434V781 |  | 438596 | 11542 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL INTERNATIONAL VAL ETF | CAP VL ETF | 25434V807 |  | 5273365 | 105679 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL U S CORE EQUITY 2 ETF | EQUITY 2 ETF | 25434V708 |  | 382439 | 9660 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL U S SMALL CAP ETF | CAP ETF | 25434V500 |  | 5131268 | 73651 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL U S TARGETED VALUE ETF | VALUE ETF | 25434V609 |  | 4261873 | 71580 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL US EQUITY MARKET ETF | MARKETWIDE VALUE ETF | 25434V401 |  | 5001654 | 67435 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL US MARKETWIDE VALUE ETF | MARKET ETF | 25434V724 |  | 12385001 | 265830 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL US REAL ESTATE ETF | ESTATE ETF | 25434V823 |  | 560919 | 24493 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL US SMALL CAP VALU ETF | VALU ETF | 25434V815 |  | 358534 | 10901 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL WLD EX US CR EQ 2 ETF | EQ 2 ETF | 25434V880 |  | 607109 | 18549 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL WORLD EQUITY ETF | ETF | 25434V617 |  | 167713 | 2267 | SH |  | SOLE |  | 0 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 2275 | 20 | SH |  | SOLE |  | 0 | 0 | 0 |
| ENERGY TRANSFER L P   LP | MLP | 29273V100 |  | 70083 | 4250 | SH |  | SOLE |  | 0 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 101086 | 840 | SH |  | SOLE |  | 0 | 0 | 0 |
| IMGP DBI MANAGED FUTURES STRTGY ETF | STRTGY ETF | 53700T827 |  | 214378 | 7640 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S SMALL CAP ETF | CAP ETF | 464287804 |  | 82924 | 690 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES GLOBAL FINANCIALS ETF | FINANCIALS ETF | 464287333 |  | 18119 | 150 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES GOLD ETF | ETF | 464285204 |  | 1288006 | 15868 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES MSCI USA MIN VOL FCTR ETF | FCTR ETF | 46429B697 |  | 24670 | 262 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES MSCI USA QLTY FACT ETF | FACT ETF | 46432F339 |  | 409554 | 2062 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | ETF | 464287655 |  | 59571 | 242 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES S 500 GROWTH ETF | ETF | 464287309 |  | 112413 | 912 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES S SMALL CAP 600 ETF | 600 ETF | 464287879 |  | 669697 | 5889 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES US TECHNOLOGY ETF | ETF | 464287721 |  | 391373 | 1960 | SH |  | SOLE |  | 0 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 4688 | 50 | SH |  | SOLE |  | 0 | 0 | 0 |
| PLAINS ALL AMERICAN P LP | MLP | 726503105 |  | 79024 | 4400 | SH |  | SOLE |  | 0 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 17105 | 100 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB FUNDAMNTL INTRNL EQT ETF | EQT ETF | 808524755 |  | 416565 | 9214 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB US BROAD MARKET ETF | ETF | 808524102 |  | 201604 | 7686 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB US SMALL CAP ETF | ETF | 808524607 |  | 61745 | 2168 | SH |  | SOLE |  | 0 | 0 | 0 |
| SPDR S 500 ETF | ETF | 78462F103 |  | 371646 | 545 | SH |  | SOLE |  | 0 | 0 | 0 |
| TRACK DATA CORP | COM | 891918120 |  | 20 | 1 | SH |  | SOLE |  | 0 | 0 | 0 |
| VAN SHT TX EXPT BND | ETF | 921935870 |  | 2160297 | 21268 | SH |  | SOLE |  | 0 | 0 | 0 |
| VAN ULTRA SHRT BND | ETF | 92203C303 |  | 82585 | 1657 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD FTSE ALL WORLD EX US ETF | EX US ETF | 922042775 |  | 1713507 | 23294 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | MARKETS ETF | 921943858 |  | 3407176 | 54541 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INTERMEDIATE TAX BND ETF | TERM BOND ETF | 922907738 |  | 1409503 | 13979 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INTERMEDIATE TERM BOND ETF | TAX BND ETF | 921937819 |  | 11533016 | 148087 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INTER-TERM TREAS INDEX FD | TREAS INDEX FD | 92206C706 |  | 168403 | 2810 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | ETF | 922908553 |  | 1978194 | 22355 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 137969 | 220 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SHORT-TERM BOND ETF | ETF | 921937827 |  | 13065289 | 165782 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD TOTAL INTERNATIONAL STK ETF | INTERNATIONAL STK ETF | 921909768 |  | 101844 | 1350 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | MARKET ETF | 922908769 |  | 3115664 | 9293 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD TOTAL WORLD STOCK ETF | STOCK ETF | 922042742 |  | 246150 | 1745 | SH |  | SOLE |  | 0 | 0 | 0 |
| WISDOMTREE US LARGECAP DIVIDEND ETF | DIVIDEND ETF | 97717W307 |  | 113623 | 1290 | SH |  | SOLE |  | 0 | 0 | 0 |
| WISDOMTREE US MIDCAP DIVIDEND ETF | DIVIDEND ETF | 97717W505 |  | 18679 | 362 | SH |  | SOLE |  | 0 | 0 | 0 |

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