# EDGAR Filing Document

**Accession Number:** 0001516450
**File Stem:** 0001516450-23-000002
**Filing Date:** 2023-2
**Character Count:** 11561
**Document Hash:** f654055e19f43943c68e6e1995285e19
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001516450-23-000002.hdr.sgml**: 20230214

**ACCESSION NUMBER**: 0001516450-23-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230214

**DATE AS OF CHANGE**: 20230214

**EFFECTIVENESS DATE**: 20230214

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WEALTHCARE CAPITAL MANAGEMENT LLC
- **CENTRAL INDEX KEY:** 0001516450
- **IRS NUMBER:** 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:** 23622602

**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:** 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:** 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  02-14-2023<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:** 71

**Form 13F Information Table Value Total:** $781536938

      (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 |
| VANGUARD TOTAL STOCK MARKET | COMMON | 922908769 |  | 330337902 | 1727799 | SH |  | SOLE |  | 0 | 0 | 1727799 |
| ISHARES BARCLAYS 7-10 YR TREASURY BOND | COMMON | 464287440 |  | 261849516 | 2733864 | SH |  | SOLE |  | 0 | 0 | 2733864 |
| VANGUARD FTSE ALL-WORLD EX-US INDEX ETF | COMMON | 922042775 |  | 62092017 | 1238373 | SH |  | SOLE |  | 0 | 0 | 1238373 |
| ISHARES 3-7 YEAR TREASURY BOND ETF | COMMON | 464288661 |  | 15987959 | 139159 | SH |  | SOLE |  | 0 | 0 | 139159 |
| ISHARES 1-3 YEAR TREASURY BOND ETF | COMMON | 464287457 |  | 13578442 | 167284 | SH |  | SOLE |  | 0 | 0 | 167284 |
| ISHARES CORE S TOTAL US STOCK MARKET | COMMON | 464287150 |  | 10928430 | 128873 | SH |  | SOLE |  | 0 | 0 | 128873 |
| ISHARES NATIONAL MUNI BOND | COMMON | 464288414 |  | 10717166 | 101565 | SH |  | SOLE |  | 0 | 0 | 101565 |
| SCHWAB US TIPS | COMMON | 808524870 |  | 9539602 | 184198 | SH |  | SOLE |  | 0 | 0 | 184198 |
| ISHARES BARCLAYS 10-20 YR TREASURY BOND | COMMON | 464288653 |  | 5417101 | 50075 | SH |  | SOLE |  | 0 | 0 | 50075 |
| ISHARES CORE S 500 | COMMON | 464287200 |  | 5129503 | 13351 | SH |  | SOLE |  | 0 | 0 | 13351 |
| ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF | COMMON | 46432F834 |  | 4361605 | 75356 | SH |  | SOLE |  | 0 | 0 | 75356 |
| SPDR PORTFOLIO INTMDT TERM TRS ETF | COMMON | 78464A672 |  | 3760777 | 133172 | SH |  | SOLE |  | 0 | 0 | 133172 |
| ISHARES RUSSELL 3000 ETF | COMMON | 464287689 |  | 2673980 | 12117 | SH |  | SOLE |  | 0 | 0 | 12117 |
| SPDR PORTFOLIO S 500 ETF | COMMON | 78464A854 |  | 2354298 | 52341 | SH |  | SOLE |  | 0 | 0 | 52341 |
| ISHARES KLD 400 SOCIAL INDEX | COMMON | 464288570 |  | 2195840 | 30587 | SH |  | SOLE |  | 0 | 0 | 30587 |
| ISHARES CORE US AGGREGATE BOND ETF | COMMON | 464287226 |  | 2129578 | 21957 | SH |  | SOLE |  | 0 | 0 | 21957 |
| ISHARES 0-5 YEAR TIPS BOND ETF | COMMON | 46429B747 |  | 1939206 | 20000 | SH |  | SOLE |  | 0 | 0 | 20000 |
| SCHWAB US LARGE CAP ETF | COMMON | 808524201 |  | 1579880 | 34992 | SH |  | SOLE |  | 0 | 0 | 34992 |
| WISDOMTREE FLOATING RATE TREASURY FUND | COMMON | 97717Y527 |  | 1556510 | 30963 | SH |  | SOLE |  | 0 | 0 | 30963 |
| ISHARES MBS ETF | COMMON | 464288588 |  | 1511825 | 16300 | SH |  | SOLE |  | 0 | 0 | 16300 |
| SPDR NUVEEN BLMBG BARCLAYS MUNI BD ETF | COMMON | 78468R721 |  | 1338827 | 29347 | SH |  | SOLE |  | 0 | 0 | 29347 |
| APPLE INC | COMMON | 037833100 |  | 1301648 | 10018 | SH |  | SOLE |  | 0 | 0 | 10018 |
| ISHARES CORE S MID-CAP ETF | COMMON | 464287507 |  | 1287600 | 5323 | SH |  | SOLE |  | 0 | 0 | 5323 |
| SPDR PORTFOLIO SMALLCAP | COMMON | 78468R853 |  | 1262281 | 34143 | SH |  | SOLE |  | 0 | 0 | 34143 |
| VANGUARD DEVELOPED MARKETS INDEX FUND ETF | COMMON | 921943858 |  | 1257518 | 29962 | SH |  | SOLE |  | 0 | 0 | 29962 |
| ISHARES MSCI EAFE SMALL CAP INDEX | COMMON | 464288273 |  | 1140817 | 20199 | SH |  | SOLE |  | 0 | 0 | 20199 |
| VANGUARD REAL ESTATE | COMMON | 922908553 |  | 1077161 | 13060 | SH |  | SOLE |  | 0 | 0 | 13060 |
| VANGUARD RUSSELL 1000 VALUE | COMMON | 92206C714 |  | 1053029 | 15816 | SH |  | SOLE |  | 0 | 0 | 15816 |
| XTRACKERS MSCI EAFE HEDGED EQUITY | COMMON | 233051200 |  | 1027852 | 31891 | SH |  | SOLE |  | 0 | 0 | 31891 |
| ISHARES INT RATE HEDGED CORPORATE BD | COMMON | 46431W705 |  | 1026247 | 11341 | SH |  | SOLE |  | 0 | 0 | 11341 |
| VANGUARD MEGA CAP VAL | COMMON | 921910840 |  | 1016569 | 9884 | SH |  | SOLE |  | 0 | 0 | 9884 |
| ISHARES CMBS ETF | COMMON | 46429B366 |  | 997670 | 21731 | SH |  | SOLE |  | 0 | 0 | 21731 |
| EXXON MOBIL CORPORATION | COMMON | 30231G102 |  | 950782 | 8620 | SH |  | SOLE |  | 0 | 0 | 8620 |
| KRANESHARES TR KFA MOUNT LUCAS | COMMON | 500767652 |  | 944965 | 30932 | SH |  | SOLE |  | 0 | 0 | 30932 |
| VANGUARD FTSE EMERGING MARKETS | COMMON | 922042858 |  | 913495 | 23435 | SH |  | SOLE |  | 0 | 0 | 23435 |
| ISHARES MSCI EAFE VALUE | COMMON | 464288877 |  | 790054 | 17220 | SH |  | SOLE |  | 0 | 0 | 17220 |
| FLEXSHARES MS GL UPSTREAM NAT RES IDX | COMMON | 33939L407 |  | 754645 | 17360 | SH |  | SOLE |  | 0 | 0 | 17360 |
| HOME DEPOT INC | COMMON | 437076102 |  | 705315 | 2233 | SH |  | SOLE |  | 0 | 0 | 2233 |
| SPDR PORTFOLIO TIPS ETF | COMMON | 78464A656 |  | 659430 | 25599 | SH |  | SOLE |  | 0 | 0 | 25599 |
| INVESCO SENIOR LOAN | COMMON | 46138G508 |  | 591355 | 28804 | SH |  | SOLE |  | 0 | 0 | 28804 |
| SPRINKLER INC | COMMON | 85208T107 |  | 588003 | 71971 | SH |  | SOLE |  | 0 | 0 | 71971 |
| ISHARES EXPONENTIAL TECHNOLOGIES | COMMON | 46434V381 |  | 581430 | 12282 | SH |  | SOLE |  | 0 | 0 | 12282 |
| ISHARES SHORT-TERM NATIONAL MUNI BOND | COMMON | 464288158 |  | 558157 | 5353 | SH |  | SOLE |  | 0 | 0 | 5353 |
| MICROSOFT CORP | COMMON | 594918104 |  | 537320 | 2241 | SH |  | SOLE |  | 0 | 0 | 2241 |
| ISHARES MSCI EAFE ETF | COMMON | 464287465 |  | 529058 | 8060 | SH |  | SOLE |  | 0 | 0 | 8060 |
| SCHWAB US BROAD MARKET ETF | COMMON | 808524102 |  | 511461 | 11414 | SH |  | SOLE |  | 0 | 0 | 11414 |
| ISHARES SHORT TREASURY BOND | COMMON | 464288679 |  | 510688 | 4646 | SH |  | SOLE |  | 0 | 0 | 4646 |
| SPDR MSCI EAFE QUALITY MIX | COMMON | 78463X434 |  | 467610 | 7295 | SH |  | SOLE |  | 0 | 0 | 7295 |
| VANGUARD ESG INTERNATIONAL STOCK ETF | COMMON | 921910725 |  | 434446 | 8832 | SH |  | SOLE |  | 0 | 0 | 8832 |
| SCHWAB INTERNATIONAL EQUITY | COMMON | 808524805 |  | 429230 | 13326 | SH |  | SOLE |  | 0 | 0 | 13326 |
| VANGUARD S 500 | COMMON | 922908363 |  | 418446 | 1191 | SH |  | SOLE |  | 0 | 0 | 1191 |
| SPDR NUVEEN BLMBG BARCLAYS ST MUNBD ETF | COMMON | 78468R739 |  | 406436 | 8651 | SH |  | SOLE |  | 0 | 0 | 8651 |
| IQ MERGER ARBITRAGE | COMMON | 45409B800 |  | 404113 | 12736 | SH |  | SOLE |  | 0 | 0 | 12736 |
| DIMENSIONAL US CORE EQUITY 2 ETF | COMMON | 25434V708 |  | 401324 | 16529 | SH |  | SOLE |  | 0 | 0 | 16529 |
| SCHWAB US MID CAP | COMMON | 808524508 |  | 400532 | 6105 | SH |  | SOLE |  | 0 | 0 | 6105 |
| DIMENSIONAL US SMALL CAP ETF | COMMON | 25434V500 |  | 375733 | 7346 | SH |  | SOLE |  | 0 | 0 | 7346 |
| SPDR BLOOMBERG 1-3 MONTH T-BILL | COMMON | 78468R663 |  | 373520 | 4084 | SH |  | SOLE |  | 0 | 0 | 4084 |
| SCHWAB US SMALL CAP ETF | COMMON | 808524607 |  | 369987 | 9133 | SH |  | SOLE |  | 0 | 0 | 9133 |
| UNITEDHEALTH GROUP INC | COMMON | 91324P102 |  | 348858 | 658 | SH |  | SOLE |  | 0 | 0 | 658 |
| ISHARES RUSSELL 2000 ETF | COMMON | 464287655 |  | 310186 | 1779 | SH |  | SOLE |  | 0 | 0 | 1779 |
| SCHWAB SHORT-TERM US TREASURY | COMMON | 808524862 |  | 301500 | 6250 | SH |  | SOLE |  | 0 | 0 | 6250 |
| ISHARES CYBERSECURITY AND TECH ETF | COMMON | 46435U135 |  | 298732 | 9047 | SH |  | SOLE |  | 0 | 0 | 9047 |
| DIMENSIONAL US MARKETWIDE VALUE ETF | COMMON | 25434V724 |  | 288820 | 8627 | SH |  | SOLE |  | 0 | 0 | 8627 |
| ISHARES S 500 GROWTH | COMMON | 464287309 |  | 276413 | 4725 | SH |  | SOLE |  | 0 | 0 | 4725 |
| ISHARES RUSSELL 1000 ETF | COMMON | 464287622 |  | 264203 | 1255 | SH |  | SOLE |  | 0 | 0 | 1255 |
| PROCTER  GAMBLE CO | COMMON | 742718109 |  | 256583 | 1693 | SH |  | SOLE |  | 0 | 0 | 1693 |
| SPDR DOW JONES INDUSTRIAL AVERAGE | COMMON | 78467X109 |  | 251479 | 759 | SH |  | SOLE |  | 0 | 0 | 759 |
| PFIZER INC | COMMON | 717081103 |  | 238052 | 4646 | SH |  | SOLE |  | 0 | 0 | 4646 |
| JOHNSON  JOHNSON | COMMON | 478160104 |  | 226819 | 1284 | SH |  | SOLE |  | 0 | 0 | 1284 |
| AMAZON.COM INC | COMMON | 023135106 |  | 226212 | 2693 | SH |  | SOLE |  | 0 | 0 | 2693 |
| ISHARES GENOMICS IMMUNOLOGY AND HEALTHCARE ETF | COMMON | 46435U192 |  | 213190 | 8470 | SH |  | SOLE |  | 0 | 0 | 8470 |

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