# EDGAR Filing Document

**Accession Number:** 0002096338
**File Stem:** 0002096338-26-000003
**Filing Date:** 2026-4
**Character Count:** 10164
**Document Hash:** 3ddffec5ba7a67158628e355f6057606
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002096338-26-000003.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0002096338-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**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
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-25981
- **FILM NUMBER:** 26915617

**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:** 03-31-2026

**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:** 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  04-29-2026<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:** 64

**Form 13F Information Table Value Total:** $110498997

      (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 | 02072Q853 |  | 1641238 | 31331 | SH |  | SOLE |  | 0 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 335655 | 1323 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS ALL | INTERNATIONAL MARKETS | 025072174 |  | 208858 | 2742 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS ALL EQUITY | MARKETS ETF | 025072232 |  | 4670230 | 53059 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS EMERGING MARKETS | EQUITY ETF | 025072604 |  | 4595719 | 57033 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS INTERNATIONAL | LARGE CAP VALUE ETF | 025072364 |  | 3904629 | 52180 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS INTERNATIONAL | SMALL CAP VALUE ETF | 025072802 |  | 2554219 | 25578 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS INTERNATIONAL | EQUITY ETF | 025072703 |  | 805980 | 9500 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS US EQUITY ETF | EQUITY ETF | 025072885 |  | 1525390 | 13720 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS US LARGE CAP | VALUE ETF | 025072349 |  | 3423829 | 42474 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS US SMALL CAP | VALUE ETF | 025072877 |  | 1663015 | 15054 | SH |  | SOLE |  | 0 | 0 | 0 |
| AVANTIS US SMALL CAP | EQUITY ETF | 025072323 |  | 1241639 | 19930 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL | INTERNATIONAL VALUE ETF | 25434V807 |  | 5586798 | 105851 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL | INTERNATIONAL SMALL CAP | 25434V773 |  | 1660335 | 49312 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL | INTERNATIONAL SMALL CAP | 25434V781 |  | 455216 | 11542 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL EMERGING | CORE EQUITY MARKET ETF | 25434V302 |  | 405744 | 11983 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL EMERGING | MARKETS CORE EQUITY 2 | 25434V732 |  | 218011 | 6310 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL U.S. | TARGETED VALUE ETF | 25434V609 |  | 4470171 | 71580 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL U.S. CORE | EQUITY 2 ETF | 25434V708 |  | 173316 | 4460 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL U.S. EQUITY | MARKET ETF | 25434V401 |  | 4781816 | 67435 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL U.S. SMALL | CAP ETF | 25434V500 |  | 5255870 | 73891 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL US | MARKETWIDE VALUE ETF | 25434V724 |  | 12998891 | 268240 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL US REAL | ESTATE ETF | 25434V823 |  | 579259 | 24493 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL US SMALL CAP | VALUE ETF | 25434V815 |  | 381971 | 10901 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL WORLD EQUITY | ETF | 25434V617 |  | 169694 | 2300 | SH |  | SOLE |  | 0 | 0 | 0 |
| DIMENSIONAL WORLD EX | U.S. CORE EQUITY 2 ETF | 25434V880 |  | 728623 | 21449 | SH |  | SOLE |  | 0 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 1928 | 20 | SH |  | SOLE |  | 0 | 0 | 0 |
| ENERGY TRANSFER L P   LP | MLP | 29273V100 |  | 151505 | 7850 | SH |  | SOLE |  | 0 | 0 | 0 |
| IMGP DBI MANAGED FUTURES | STRATEGY ETF | 53700T827 |  | 230346 | 7640 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES CORE S | SMALL-CAP ETF | 464287804 |  | 85774 | 690 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES GLOBAL | FINANCIALS ETF | 464287333 |  | 17100 | 150 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES GOLD TRUST | ETF | 464285204 |  | 1398923 | 15868 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES MSCI USA MIN VOL | FACTOR ETF | 46429B697 |  | 24298 | 262 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES MSCI USA QUALITY | FACTOR ETF | 46432F339 |  | 395512 | 2062 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES RUSSELL 2000 | ETF | 464287655 |  | 60016 | 242 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES S 500 GROWTH | ETF | 464287309 |  | 103156 | 912 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES S SMALL-CAP | 600 VALUE ETF | 464287879 |  | 697552 | 5889 | SH |  | SOLE |  | 0 | 0 | 0 |
| ISHARES U.S. TECHNOLOGY | ETF | 464287721 |  | 355583 | 1960 | SH |  | SOLE |  | 0 | 0 | 0 |
| JPMORGAN ULTRA-SHORT | INCOME ETF | 46641Q837 |  | 72119 | 1425 | SH |  | SOLE |  | 0 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 4808 | 50 | SH |  | SOLE |  | 0 | 0 | 0 |
| PLAINS ALL AMERICAN P LP | MLP | 726503105 |  | 165242 | 7400 | SH |  | SOLE |  | 0 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 12878 | 100 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB FUNDAMENTAL | INTERNATIONAL EQUITY ETF | 808524755 |  | 450841 | 9214 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB U.S. BROAD MARKET | ETF | 808524102 |  | 192919 | 7686 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB U.S. MID-CAP ETF | EQUITY ETF | 808524508 |  | 58514 | 1890 | SH |  | SOLE |  | 0 | 0 | 0 |
| SCHWAB U.S. SMALL-CAP | ETF | 808524607 |  | 63045 | 2168 | SH |  | SOLE |  | 0 | 0 | 0 |
| STATE STREET SPDR S | 500 ETF TRUST | 78462F103 |  | 354435 | 545 | SH |  | SOLE |  | 0 | 0 | 0 |
| TRACK DATA CORP | COM | 891918120 |  | 20 | 1 | SH |  | SOLE |  | 0 | 0 | 0 |
| VAN ULTRA SHRT BND | ETF | 92203C303 |  | 77515 | 1557 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD | INTERMEDIATE-TERM BOND | 921937819 |  | 12111086 | 156920 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD | INTERMEDIATE-TERM | 922907738 |  | 1481011 | 14819 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD FTSE ALL-WORLD | EX-US INDEX FUND ETF | 922042775 |  | 1749379 | 23294 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD FTSE DEVELOPED | MARKETS INDEX FUND ETF | 921943858 |  | 3615394 | 56420 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD INTER-TERM | TREAS INDEX FD | 92206C706 |  | 167336 | 2810 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD REAL ESTATE | INDEX FUND ETF SHARES | 922908553 |  | 2224951 | 25084 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD S 500 ETF | EQUITY ETF | 922908363 |  | 131461 | 220 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SHORT-TERM | TAX-EXEMPT BOND ETF | 921935870 |  | 2164497 | 21401 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD SHORT-TERM BOND | INDEX FUND ETF SHARES | 921937827 |  | 13437151 | 171370 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD TOTAL | INTERNATIONAL STOCK | 921909768 |  | 104099 | 1350 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD TOTAL STOCK | MARKET INDEX FUND ETF | 922908769 |  | 3440046 | 10723 | SH |  | SOLE |  | 0 | 0 | 0 |
| VANGUARD TOTAL WORLD | STOCK INDEX FUND ETF | 922042742 |  | 278853 | 2016 | SH |  | SOLE |  | 0 | 0 | 0 |
| WISDOMTREE FLOATING RATE | TREASURY FUND | 97717Y527 |  | 49333 | 980 | SH |  | SOLE |  | 0 | 0 | 0 |
| WISDOMTREE U.S. LARGECAP | DIVIDEND FUND | 97717W307 |  | 115236 | 1290 | SH |  | SOLE |  | 0 | 0 | 0 |
| WISDOMTREE U.S. MIDCAP | DIVIDEND FUND | 97717W505 |  | 19019 | 362 | SH |  | SOLE |  | 0 | 0 | 0 |

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