# EDGAR Filing Document

**Accession Number:** 0001727514
**File Stem:** 0001727514-26-000001
**Filing Date:** 2026-2
**Character Count:** 24865
**Document Hash:** 0eea3e61a3c9c7f77cd118c5e92357bd
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001727514-26-000001.hdr.sgml**: 20260211

**ACCESSION NUMBER**: 0001727514-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260211

**DATE AS OF CHANGE**: 20260210

**EFFECTIVENESS DATE**: 20260211

**FILER**: 

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

**ORGANIZATION NAME:**
- **EIN:** 200247051

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18221
- **FILM NUMBER:** 26617880

**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:** 12-31-2025

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

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

**CRD Number (if applicable):** 000128067

**SEC File Number (if applicable):** 801-76703

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  02-10-2026<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:** 2

**Form 13F Information Table Entry Total:** 194

**Form 13F Information Table Value Total:** $512145346

      (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.]

| No.   | Name                                          | Form 13F File Number   |
|:---|:---|:---|
|  | Vanguard Personalized Indexing Management LLC | 028-20247              |
|  | FIRST TRUST ADVISORS LP                       | 028-06487              |

### 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 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 102364 | 448 | SH |  | SOLE | 1 | 0 | 0 | 448 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 96194 | 421 | SH |  | SOLE | 2 | 0 | 0 | 421 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 40900 | 179 | SH |  | SOLE |  | 0 | 0 | 179 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 143273 | 669 | SH |  | SOLE |  | 0 | 0 | 669 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 110507 | 516 | SH |  | SOLE | 1 | 0 | 0 | 516 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 100655 | 470 | SH |  | SOLE | 2 | 0 | 0 | 470 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 564345 | 1803 | SH |  | SOLE | 1 | 0 | 0 | 1803 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 2247676 | 7181 | SH |  | SOLE |  | 0 | 0 | 7181 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 602531 | 1925 | SH |  | SOLE | 2 | 0 | 0 | 1925 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 126775 | 404 | SH |  | SOLE | 1 | 0 | 0 | 404 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 1337730 | 4263 | SH |  | SOLE |  | 0 | 0 | 4263 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 186397 | 594 | SH |  | SOLE | 2 | 0 | 0 | 594 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 455892 | 1975 | SH |  | SOLE | 1 | 0 | 0 | 1975 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 587697 | 2546 | SH |  | SOLE |  | 0 | 0 | 2546 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 955642 | 4140 | SH |  | SOLE | 2 | 0 | 0 | 4140 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 392394 | 1700 | PRN | Put | SOLE | 2 | 0 | 0 | 1700 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 56602 | 153 | SH |  | SOLE | 1 | 0 | 0 | 153 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 445420 | 1204 | SH |  | SOLE |  | 0 | 0 | 1204 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 64371 | 174 | SH |  | SOLE | 2 | 0 | 0 | 174 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1014054 | 3730 | SH |  | SOLE | 2 | 0 | 0 | 3730 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 4283494 | 15756 | SH |  | SOLE |  | 0 | 0 | 15756 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 830002 | 3053 | SH |  | SOLE | 1 | 0 | 0 | 3053 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 81509 | 1482 | SH |  | SOLE | 1 | 0 | 0 | 1482 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 289737 | 5268 | SH |  | SOLE |  | 0 | 0 | 5268 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 84369 | 1534 | SH |  | SOLE | 2 | 0 | 0 | 1534 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 220161 | 438 | SH |  | SOLE | 1 | 0 | 0 | 438 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1060592 | 2110 | SH |  | SOLE |  | 0 | 0 | 2110 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 189499 | 377 | SH |  | SOLE | 2 | 0 | 0 | 377 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 380018 | 1098 | SH |  | SOLE |  | 0 | 0 | 1098 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 305606 | 883 | SH |  | SOLE | 1 | 0 | 0 | 883 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 421204 | 1217 | SH |  | SOLE | 2 | 0 | 0 | 1217 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 | BBG015H8BXT5 | 413970 | 9486 | SH |  | SOLE |  | 0 | 0 | 9486 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 65322 | 848 | SH |  | SOLE | 2 | 0 | 0 | 848 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 112541 | 1461 | SH |  | SOLE |  | 0 | 0 | 1461 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 36897 | 479 | SH |  | SOLE | 1 | 0 | 0 | 479 |
| CORNING INC | COM | 219350105 | BBG001S5RLH1 | 76177 | 870 | SH |  | SOLE | 1 | 0 | 0 | 870 |
| CORNING INC | COM | 219350105 | BBG001S5RLH1 | 21978 | 251 | SH |  | SOLE | 2 | 0 | 0 | 251 |
| CORNING INC | COM | 219350105 | BBG001S5RLH1 | 1794105 | 20490 | SH |  | SOLE |  | 0 | 0 | 20490 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 103481 | 120 | SH |  | SOLE | 1 | 0 | 0 | 120 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 245767 | 285 | SH |  | SOLE |  | 0 | 0 | 285 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 93133 | 108 | SH |  | SOLE | 2 | 0 | 0 | 108 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 | BBG01B92W7S9 | 4451138 | 107308 | SH |  | SOLE |  | 0 | 0 | 107308 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 | BBG01B92VTS2 | 31785895 | 741881 | SH |  | SOLE |  | 0 | 0 | 741881 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 | BBG00Y2PGDN6 | 720318 | 18901 | SH |  | SOLE |  | 0 | 0 | 18901 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 | BBG011DXY6D4 | 1302314 | 32895 | SH |  | SOLE |  | 0 | 0 | 32895 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 | BBG011DXXNJ2 | 1068048 | 14400 | SH |  | SOLE |  | 0 | 0 | 14400 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 | BBG01BN5Z188 | 12401248 | 362504 | SH |  | SOLE |  | 0 | 0 | 362504 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | BBG0177CTQC7 | 93 | 2 | SH |  | SOLE | 2 | 0 | 0 | 2 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | BBG0177CTQC7 | 1973133 | 42351 | SH |  | SOLE |  | 0 | 0 | 42351 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 349187 | 5012 | SH |  | SOLE |  | 0 | 0 | 5012 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | BBG011DXY0L8 | 679292 | 11409 | SH |  | SOLE |  | 0 | 0 | 11409 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 1365103 | 41708 | SH |  | SOLE |  | 0 | 0 | 41708 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 38001 | 334 | SH |  | SOLE | 1 | 0 | 0 | 334 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 40504 | 356 | SH |  | SOLE | 2 | 0 | 0 | 356 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 241656 | 2124 | SH |  | SOLE |  | 0 | 0 | 2124 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 202040 | 188 | SH |  | SOLE | 1 | 0 | 0 | 188 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 396557 | 369 | SH |  | SOLE |  | 0 | 0 | 369 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 208488 | 194 | SH |  | SOLE | 2 | 0 | 0 | 194 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 9507 | 79 | SH |  | SOLE | 1 | 0 | 0 | 79 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 183519 | 1525 | SH |  | SOLE |  | 0 | 0 | 1525 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 107704 | 895 | SH |  | SOLE | 2 | 0 | 0 | 895 |
| FIRST TR EXCH TRADED FD III | SHRT DUR MNG MUN | 33739P830 | BBG00MFP1CK9 | 3232277 | 161251 | SH |  | SOLE |  | 0 | 0 | 161251 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 5853 | 19 | SH |  | SOLE | 1 | 0 | 0 | 19 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 361023 | 1172 | SH |  | SOLE |  | 0 | 0 | 1172 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 66537 | 216 | SH |  | SOLE | 2 | 0 | 0 | 216 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 71199 | 81 | SH |  | SOLE | 2 | 0 | 0 | 81 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 793737 | 903 | SH |  | SOLE |  | 0 | 0 | 903 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 81747 | 93 | SH |  | SOLE | 1 | 0 | 0 | 93 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 675120 | 1962 | SH |  | SOLE |  | 0 | 0 | 1962 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 35098 | 102 | SH |  | SOLE | 1 | 0 | 0 | 102 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 114240 | 332 | SH |  | SOLE | 2 | 0 | 0 | 332 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 880594 | 2973 | SH |  | SOLE |  | 0 | 0 | 2973 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 109297 | 369 | SH |  | SOLE | 1 | 0 | 0 | 369 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 48280 | 163 | SH |  | SOLE | 2 | 0 | 0 | 163 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 403249 | 712 | SH |  | SOLE |  | 0 | 0 | 712 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 9062 | 16 | SH |  | SOLE | 1 | 0 | 0 | 16 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 40212 | 71 | SH |  | SOLE | 2 | 0 | 0 | 71 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 MUNI | 46138J510 | BBG00Q8HN8N8 | 204175 | 8635 | SH |  | SOLE |  | 0 | 0 | 8635 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2027 MUNI | 46138J494 | BBG00Q9CYYY7 | 202669 | 8564 | SH |  | SOLE |  | 0 | 0 | 8564 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2028 MUNI | 46138J486 | BBG00Q8HQTM0 | 200314 | 8524 | SH |  | SOLE |  | 0 | 0 | 8524 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 2646536 | 13816 | SH |  | SOLE |  | 0 | 0 | 13816 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 425103 | 692 | SH |  | SOLE |  | 0 | 0 | 692 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 315079 | 3522 | SH |  | SOLE |  | 0 | 0 | 3522 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 14153496 | 117769 | SH |  | SOLE |  | 0 | 0 | 117769 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 326970 | 2199 | SH |  | SOLE |  | 0 | 0 | 2199 |
| ISHARES TR | CORE S US VLU | 464287663 | BBG001SFQL80 | 258299 | 2519 | SH |  | SOLE |  | 0 | 0 | 2519 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 2543183 | 3713 | SH |  | SOLE |  | 0 | 0 | 3713 |
| ISHARES TR | ESG AWARE MSCI | 46435U663 | BBG00KK87757 | 2482001 | 53980 | SH |  | SOLE |  | 0 | 0 | 53980 |
| ISHARES TR | ESG AWRE 1 5 YR | 46435G243 | BBG00H4BFM35 | 10449710 | 414014 | SH |  | SOLE |  | 0 | 0 | 414014 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 | BBG001SRYH02 | 11962192 | 92853 | SH |  | SOLE |  | 0 | 0 | 92853 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 | BBG00XDJF7W4 | 2312702 | 51796 | SH |  | SOLE |  | 0 | 0 | 51796 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 202792 | 1021 | SH |  | SOLE |  | 0 | 0 | 1021 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 3308414 | 30888 | SH |  | SOLE |  | 0 | 0 | 30888 |
| ISHARES TR | NEW YORK MUN ETF | 464288323 | BBG001T03XV5 | 2142166 | 40033 | SH |  | SOLE |  | 0 | 0 | 40033 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 709477 | 1499 | SH |  | SOLE |  | 0 | 0 | 1499 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 855149 | 3474 | SH |  | SOLE |  | 0 | 0 | 3474 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 | BBG001SFC7Z6 | 310641 | 803 | SH |  | SOLE |  | 0 | 0 | 803 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 581474 | 4717 | SH |  | SOLE |  | 0 | 0 | 4717 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 362558 | 1710 | SH |  | SOLE |  | 0 | 0 | 1710 |
| ISHARES TR | SELECT DIVID ETF | 464287168 | BBG001SDJVG2 | 236410 | 1675 | SH |  | SOLE |  | 0 | 0 | 1675 |
| ISHARES TR | USD GRN BOND ETF | 46435U440 | BBG00MK1NQ85 | 12188563 | 254269 | SH |  | SOLE |  | 0 | 0 | 254269 |
| J P MORGAN EXCHANGE TRADED F | INTRNL RES EQT | 46641Q134 | BBG016CBQVP3 | 27508408 | 367367 | SH |  | SOLE |  | 0 | 0 | 367367 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 182530 | 882 | SH |  | SOLE | 2 | 0 | 0 | 882 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 40562 | 196 | SH |  | SOLE | 1 | 0 | 0 | 196 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 133276 | 644 | SH |  | SOLE |  | 0 | 0 | 644 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 827120 | 2567 | SH |  | SOLE |  | 0 | 0 | 2567 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 186239 | 578 | SH |  | SOLE | 1 | 0 | 0 | 578 |
| JPMORGAN CHASE  CO. | COM | 46625H100 | BBG001S8CRC3 | 244237 | 758 | SH |  | SOLE | 2 | 0 | 0 | 758 |
| LAM RESEARCH CORP | COM NEW | 512807306 | BBG001S5SW40 | 56682 | 331 | SH |  | SOLE | 2 | 0 | 0 | 331 |
| LAM RESEARCH CORP | COM NEW | 512807306 | BBG001S5SW40 | 85109 | 497 | SH |  | SOLE | 1 | 0 | 0 | 497 |
| LAM RESEARCH CORP | COM NEW | 512807306 | BBG001S5SW40 | 67642 | 395 | SH |  | SOLE |  | 0 | 0 | 395 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 22264 | 39 | SH |  | SOLE |  | 0 | 0 | 39 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 90770 | 159 | SH |  | SOLE | 2 | 0 | 0 | 159 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 108467 | 190 | SH |  | SOLE | 1 | 0 | 0 | 190 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 1100131 | 3600 | SH |  | SOLE |  | 0 | 0 | 3600 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 62646 | 205 | SH |  | SOLE | 2 | 0 | 0 | 205 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 40338 | 132 | SH |  | SOLE | 1 | 0 | 0 | 132 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 25813393 | 39106 | SH |  | SOLE | 2 | 0 | 0 | 39106 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 646886 | 980 | SH |  | SOLE |  | 0 | 0 | 980 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 288458 | 437 | SH |  | SOLE | 1 | 0 | 0 | 437 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 594081 | 900 | PRN | Put | SOLE | 2 | 0 | 0 | 900 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1179486 | 2439 | SH |  | SOLE | 2 | 0 | 0 | 2439 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 738448 | 1527 | SH |  | SOLE | 1 | 0 | 0 | 1527 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1341007 | 2773 | SH |  | SOLE |  | 0 | 0 | 2773 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 290172 | 600 | PRN | Put | SOLE | 2 | 0 | 0 | 600 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 94333 | 1006 | SH |  | SOLE | 2 | 0 | 0 | 1006 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 22880 | 244 | SH |  | SOLE |  | 0 | 0 | 244 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 92832 | 990 | SH |  | SOLE | 1 | 0 | 0 | 990 |
| NUCOR CORP | COM | 670346105 | BBG001S5TRV0 | 1305 | 8 | SH |  | SOLE | 1 | 0 | 0 | 8 |
| NUCOR CORP | COM | 670346105 | BBG001S5TRV0 | 312519 | 1916 | SH |  | SOLE |  | 0 | 0 | 1916 |
| NUCOR CORP | COM | 670346105 | BBG001S5TRV0 | 5383 | 33 | SH |  | SOLE | 2 | 0 | 0 | 33 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 | BBG00FJ5GY57 | 6673775 | 68239 | SH |  | SOLE |  | 0 | 0 | 68239 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 1036008 | 5555 | SH |  | SOLE | 2 | 0 | 0 | 5555 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 1117322 | 5991 | SH |  | SOLE | 1 | 0 | 0 | 5991 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 3717133 | 19931 | SH |  | SOLE |  | 0 | 0 | 19931 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 93319 | 525 | SH |  | SOLE | 2 | 0 | 0 | 525 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 32173 | 181 | SH |  | SOLE |  | 0 | 0 | 181 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 | BBG001T53796 | 87275 | 491 | SH |  | SOLE | 1 | 0 | 0 | 491 |
| PNC FINL SVCS GROUP INC | COM | 693475105 | BBG001S5V947 | 8140 | 39 | SH |  | SOLE | 1 | 0 | 0 | 39 |
| PNC FINL SVCS GROUP INC | COM | 693475105 | BBG001S5V947 | 19621 | 94 | SH |  | SOLE | 2 | 0 | 0 | 94 |
| PNC FINL SVCS GROUP INC | COM | 693475105 | BBG001S5V947 | 484672 | 2322 | SH |  | SOLE |  | 0 | 0 | 2322 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 | BBG0051K49J8 | 752921 | 16654 | SH |  | SOLE |  | 0 | 0 | 16654 |
| SCHWAB STRATEGIC TR | MUN BD ETF | 808524649 | BBG019GV63H2 | 1099205 | 42671 | SH |  | SOLE |  | 0 | 0 | 42671 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 291161 | 12459 | SH |  | SOLE |  | 0 | 0 | 12459 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 824367 | 30634 | SH |  | SOLE |  | 0 | 0 | 30634 |
| SLB LIMITED | COM STK | 806857108 | BBG001S5W4C8 | 537 | 14 | SH |  | SOLE | 1 | 0 | 0 | 14 |
| SLB LIMITED | COM STK | 806857108 | BBG001S5W4C8 | 214199 | 5581 | SH |  | SOLE |  | 0 | 0 | 5581 |
| SLB LIMITED | COM STK | 806857108 | BBG001S5W4C8 | 15506 | 404 | SH |  | SOLE | 2 | 0 | 0 | 404 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 26073 | 299 | SH |  | SOLE | 2 | 0 | 0 | 299 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 6017 | 69 | SH |  | SOLE | 1 | 0 | 0 | 69 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 194456 | 2230 | SH |  | SOLE |  | 0 | 0 | 2230 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 | BBG001S8LH99 | 332074 | 691 | SH |  | SOLE |  | 0 | 0 | 691 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | BBG001SRXRJ1 | 223161 | 5025 | SH |  | SOLE |  | 0 | 0 | 5025 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 443930 | 651 | SH |  | SOLE |  | 0 | 0 | 651 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 | BBG001SG4284 | 2852715 | 50215 | SH |  | SOLE |  | 0 | 0 | 50215 |
| T ROWE PRICE ETF INC | INTERNATIONAL EQ | 87283Q834 | BBG01H03SSK0 | 702869 | 20373 | SH |  | SOLE |  | 0 | 0 | 20373 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 60812 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 64157 | 211 | SH |  | SOLE | 2 | 0 | 0 | 211 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 158720 | 522 | SH |  | SOLE | 1 | 0 | 0 | 522 |
| TCW ETF TRUST | FLEXIBLE INCOME | 29287L700 | BBG01NCF0HQ5 | 36671073 | 926037 | SH |  | SOLE |  | 0 | 0 | 926037 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 7645 | 17 | SH |  | SOLE | 1 | 0 | 0 | 17 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 264435 | 588 | SH |  | SOLE |  | 0 | 0 | 588 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 323798 | 720 | SH |  | SOLE | 2 | 0 | 0 | 720 |
| TJX COS INC NEW | COM | 872540109 | BBG001S5WQ93 | 4301 | 28 | SH |  | SOLE | 1 | 0 | 0 | 28 |
| TJX COS INC NEW | COM | 872540109 | BBG001S5WQ93 | 299540 | 1950 | SH |  | SOLE |  | 0 | 0 | 1950 |
| TJX COS INC NEW | COM | 872540109 | BBG001S5WQ93 | 50845 | 331 | SH |  | SOLE | 2 | 0 | 0 | 331 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 | BBG001TC6MJ4 | 18194802 | 162744 | SH |  | SOLE |  | 0 | 0 | 162744 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 46409814 | 595914 | SH |  | SOLE |  | 0 | 0 | 595914 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | BBG001SK7DK4 | 411385 | 5554 | SH |  | SOLE |  | 0 | 0 | 5554 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 28628625 | 58682 | SH |  | SOLE |  | 0 | 0 | 58682 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 263173 | 836 | SH |  | SOLE |  | 0 | 0 | 836 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 7633077 | 26301 | SH |  | SOLE |  | 0 | 0 | 26301 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 79058388 | 126064 | SH |  | SOLE |  | 0 | 0 | 126064 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 600508 | 2328 | SH |  | SOLE |  | 0 | 0 | 2328 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 5158683 | 15387 | SH |  | SOLE |  | 0 | 0 | 15387 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 3687062 | 19305 | SH |  | SOLE |  | 0 | 0 | 19305 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 | BBG001SP7T00 | 205821 | 2798 | SH |  | SOLE |  | 0 | 0 | 2798 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 2583934 | 48064 | SH |  | SOLE |  | 0 | 0 | 48064 |
| VANGUARD NY TAX FREE FDS | TAX EXEMPT BD | 92204H400 | BBG01V310Q33 | 13625019 | 131987 | SH |  | SOLE |  | 0 | 0 | 131987 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 | BBG001TCHM11 | 4901375 | 15860 | SH |  | SOLE |  | 0 | 0 | 15860 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 | BBG001TCH7W0 | 2575777 | 25882 | SH |  | SOLE |  | 0 | 0 | 25882 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 261579 | 1190 | SH |  | SOLE |  | 0 | 0 | 1190 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 15516414 | 108113 | SH |  | SOLE |  | 0 | 0 | 108113 |
| VANGUARD WORLD FD | ESG US CORP BD | 921910691 | BBG00XGJM879 | 3044060 | 47840 | SH |  | SOLE |  | 0 | 0 | 47840 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 | BBG001T0Y6W9 | 2647920 | 6415 | SH |  | SOLE |  | 0 | 0 | 6415 |
| VIATRIS INC | COM | 92556V106 | BBG00Y52JV51 | 24577 | 1974 | SH |  | SOLE | 1 | 0 | 0 | 1974 |
| VIATRIS INC | COM | 92556V106 | BBG00Y52JV51 | 134003 | 10763 | SH |  | SOLE |  | 0 | 0 | 10763 |
| VIATRIS INC | COM | 92556V106 | BBG00Y52JV51 | 3125 | 251 | SH |  | SOLE | 2 | 0 | 0 | 251 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 136076 | 388 | SH |  | SOLE | 1 | 0 | 0 | 388 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 149753 | 427 | SH |  | SOLE | 2 | 0 | 0 | 427 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 94341 | 269 | SH |  | SOLE |  | 0 | 0 | 269 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 128591 | 1154 | SH |  | SOLE | 1 | 0 | 0 | 1154 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 34655 | 311 | SH |  | SOLE |  | 0 | 0 | 311 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 128926 | 1157 | SH |  | SOLE | 2 | 0 | 0 | 1157 |

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