# EDGAR Filing Document

**Accession Number:** 0001969815
**File Stem:** 0001969815-23-000001
**Filing Date:** 2023-3
**Character Count:** 9842
**Document Hash:** 967b237b7385a9a4a2872cc48913ee08
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001969815-23-000001.hdr.sgml**: 20230330

**ACCESSION NUMBER**: 0001969815-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230330

**DATE AS OF CHANGE**: 20230330

**EFFECTIVENESS DATE**: 20230330

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** REFRAME WEALTH, LLC
- **CENTRAL INDEX KEY:** 0001969815
- **IRS NUMBER:** 862425539
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23168
- **FILM NUMBER:** 23779843

**BUSINESS ADDRESS:**
- **STREET 1:** 3251 BLENHEIM BOULEVARD
- **STREET 2:** SUITE 502
- **CITY:** FAIRFAX
- **STATE:** VA
- **ZIP:** 22030
- **BUSINESS PHONE:** 5713548471

**MAIL ADDRESS:**
- **STREET 1:** 3251 BLENHEIM BOULEVARD
- **STREET 2:** SUITE 502
- **CITY:** FAIRFAX
- **STATE:** VA
- **ZIP:** 22030

### 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:** REFRAME WEALTH LLC<br>**Address:** 3251 BLENHEIM BOULEVARD<br>SUITE 502<br>FAIRFAX, VA 22030

**Form 13F File Number:** 028-23168

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:** JESSICA L. DOLL<br>**Title:** Chief Compliance Officer<br>**Phone:** (571) 354-8471

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

JESSICA L. DOLL  FAIRFAX, VA  03-30-2023<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:** 61

**Form 13F Information Table Value Total:** $260156692

      (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 |
| SPDR S 500 Growth ETF | COM | 78464A409 |  | 61460773 | 1212962 | SH |  | SOLE |  | 0 | 0 | 1212962 |
| SPDR DJ Small Cap Growth | COM | 78464A201 |  | 22351298 | 309403 | SH |  | SOLE |  | 0 | 0 | 309403 |
| iShares Core MSCI Emerging Markets | COM | 46434G103 |  | 2922906 | 62589 | SH |  | SOLE |  | 0 | 0 | 62589 |
| SPDR Trust - S 500 Index | COM | 78462F103 |  | 1637893 | 4283 | SH |  | SOLE |  | 0 | 0 | 4283 |
| iShares Core MSCI EAFE | COM | 46432F842 |  | 1436582 | 23306 | SH |  | SOLE |  | 0 | 0 | 23306 |
| iShares iBonds Dec 2024 Term Muni Bond | COM | 46435U697 |  | 728365 | 28286 | SH |  | SOLE |  | 0 | 0 | 28286 |
| iShares iBonds Dec 2023 Term Muni Bond | COM | 46435G318 |  | 727063 | 28681 | SH |  | SOLE |  | 0 | 0 | 28681 |
| Visa Inc Cl A | COM | 92826C839 |  | 721758 | 3474 | SH |  | SOLE |  | 0 | 0 | 3474 |
| DJ Wilshire REIT ETF | COM | 78464A607 |  | 717332 | 8231 | SH |  | SOLE |  | 0 | 0 | 8231 |
| iShares iBonds Dec 2025 Term Muni Bond | COM | 46435U432 |  | 708166 | 26855 | SH |  | SOLE |  | 0 | 0 | 26855 |
| Spdr S Dividend Etf | COM | 78464A763 |  | 671841 | 5370 | SH |  | SOLE |  | 0 | 0 | 5370 |
| Vanguard ST Corp Bond Index - ETF | COM | 92206C409 |  | 431891 | 5744 | SH |  | SOLE |  | 0 | 0 | 5744 |
| Invesco BulletShares 2023 Corp Bond | COM | 46138J866 |  | 415866 | 19822 | SH |  | SOLE |  | 0 | 0 | 19822 |
| Invesco BulletShares 2024 Corp Bond | COM | 46138J841 |  | 405789 | 19809 | SH |  | SOLE |  | 0 | 0 | 19809 |
| Wisdomtree Midcap Divdnd | COM | 97717W505 |  | 370260 | 9000 | SH |  | SOLE |  | 0 | 0 | 9000 |
| Exxon Mobil Corp. | COM | 30231G102 |  | 364211 | 3302 | SH |  | SOLE |  | 0 | 0 | 3302 |
| WISDOMTREE HIGH DIVIDEND FUND | COM | 97717W208 |  | 344240 | 4000 | SH |  | SOLE |  | 0 | 0 | 4000 |
| Invesco BulletShares 2025 Corp Bond | COM | 46138J825 |  | 316359 | 15708 | SH |  | SOLE |  | 0 | 0 | 15708 |
| Alphabet Inc CL C | COM | 02079K107 |  | 289260 | 3260 | SH |  | SOLE |  | 0 | 0 | 3260 |
| Invesco BulletShares 2026 Corp Bond | COM | 46138J791 |  | 263474 | 13922 | SH |  | SOLE |  | 0 | 0 | 13922 |
| Invesco Treasury | COM | 46138G888 |  | 263455 | 2501 | SH |  | SOLE |  | 0 | 0 | 2501 |
| Alphabet Inc CL A | COM | 02079K305 |  | 233104 | 2642 | SH |  | SOLE |  | 0 | 0 | 2642 |
| Unitedhealth Group Inc | COM | 91324P102 |  | 217374 | 410 | SH |  | SOLE |  | 0 | 0 | 410 |
| iShares Russell 2001 | COM | 464287655 |  | 25146506 | 144222 | SH |  | SOLE |  | 0 | 0 | 144222 |
| iShares S National Muni Bond | COM | 464288414 |  | 20906678 | 198130 | SH |  | SOLE |  | 0 | 0 | 198130 |
| iShares S MidCap 400 - Barra Growth | COM | 464287606 |  | 20694832 | 302999 | SH |  | SOLE |  | 0 | 0 | 302999 |
| iShares MSCI EAFE Index | COM | 464287465 |  | 14481759 | 220624 | SH |  | SOLE |  | 0 | 0 | 220624 |
| iShares Russell 3000 Index | COM | 464287689 |  | 14371837 | 65125 | SH |  | SOLE |  | 0 | 0 | 65125 |
| iShares Russell 2000 Value | COM | 464287630 |  | 11596054 | 83623 | SH |  | SOLE |  | 0 | 0 | 83623 |
| Vanguard Total Stock Mkt | COM | 922908769 |  | 7386817 | 38636 | SH |  | SOLE |  | 0 | 0 | 38636 |
| Vanguard Intl Eqty Index | COM | 922042775 |  | 6315685 | 125961 | SH |  | SOLE |  | 0 | 0 | 125961 |
| iShares Russell 1000 Value | COM | 464287598 |  | 5782415 | 38130 | SH |  | SOLE |  | 0 | 0 | 38130 |
| iShares MSCI EAFE Small Cap | COM | 464288273 |  | 5534362 | 97988 | SH |  | SOLE |  | 0 | 0 | 97988 |
| iShares Russell 1000 Growth | COM | 464287614 |  | 5506396 | 25702 | SH |  | SOLE |  | 0 | 0 | 25702 |
| iShares Russell 2000 Growth | COM | 464287648 |  | 4577213 | 21337 | SH |  | SOLE |  | 0 | 0 | 21337 |
| iShares MSCI Emerging Markets Index | COM | 464287234 |  | 2556961 | 67466 | SH |  | SOLE |  | 0 | 0 | 67466 |
| iShares S 500 Index | COM | 464287200 |  | 1894351 | 4931 | SH |  | SOLE |  | 0 | 0 | 4931 |
| iShares Russell Mid Cap Growth | COM | 464287481 |  | 1876569 | 22447 | SH |  | SOLE |  | 0 | 0 | 22447 |
| Vanguard Global Ex US Real Estate | COM | 922042676 |  | 1787185 | 43231 | SH |  | SOLE |  | 0 | 0 | 43231 |
| Microsoft Corp. | COM | 594918104 |  | 1478011 | 6163 | SH |  | SOLE |  | 0 | 0 | 6163 |
| Vanguard Large Cap Value ETF | COM | 922908744 |  | 981046 | 6989 | SH |  | SOLE |  | 0 | 0 | 6989 |
| iShares Tr S 500 Value | COM | 464287408 |  | 944841 | 6513 | SH |  | SOLE |  | 0 | 0 | 6513 |
| Johnson  Johnson | COM | 478160104 |  | 876007 | 4959 | SH |  | SOLE |  | 0 | 0 | 4959 |
| Vanguard Muni Bnd Tax | COM | 922907746 |  | 866273 | 17504 | SH |  | SOLE |  | 0 | 0 | 17504 |
| Home Depot | COM | 437076102 |  | 845557 | 2677 | SH |  | SOLE |  | 0 | 0 | 2677 |
| Brown  Brown Inc | COM | 115236101 |  | 726368 | 12750 | SH |  | SOLE |  | 0 | 0 | 12750 |
| Vanguard Real Estate ETF | COM | 922908553 |  | 718153 | 8707 | SH |  | SOLE |  | 0 | 0 | 8707 |
| iShares Russell Midcap Value | COM | 464287473 |  | 595487 | 5653 | SH |  | SOLE |  | 0 | 0 | 5653 |
| Vanguard Mid Cap | COM | 922908629 |  | 504022 | 2473 | SH |  | SOLE |  | 0 | 0 | 2473 |
| iShares Core S Total U.S. ETF | COM | 464287150 |  | 365573 | 4311 | SH |  | SOLE |  | 0 | 0 | 4311 |
| Vanguard Mid-Cap Growth ETF | COM | 922908538 |  | 334354 | 1860 | SH |  | SOLE |  | 0 | 0 | 1860 |
| Schwab US Large Cap Value ETF | COM | 808524409 |  | 326469 | 4945 | SH |  | SOLE |  | 0 | 0 | 4945 |
| Schwab US Large Cap Growth ETF | COM | 808524300 |  | 309580 | 5572 | SH |  | SOLE |  | 0 | 0 | 5572 |
| iShares MSCI ACWI Index | COM | 464288257 |  | 308624 | 3636 | SH |  | SOLE |  | 0 | 0 | 3636 |
| Lilly Eli  Co. | COM | 532457108 |  | 275843 | 754 | SH |  | SOLE |  | 0 | 0 | 754 |
| Intel Corp. | COM | 458140100 |  | 232293 | 8789 | SH |  | SOLE |  | 0 | 0 | 8789 |
| Caterpillar Tractor Co. S | COM | 149123101 |  | 222312 | 928 | SH |  | SOLE |  | 0 | 0 | 928 |
| iShares Tr Lehman Bd Fd | COM | 464287226 |  | 213378 | 2200 | SH |  | SOLE |  | 0 | 0 | 2200 |
| Vanguard S 500 Etf | COM | 922908363 |  | 209399 | 596 | SH |  | SOLE |  | 0 | 0 | 596 |
| Schwab US Large Cap ETF | COM | 808524201 |  | 204439 | 4528 | SH |  | SOLE |  | 0 | 0 | 4528 |
| Vanguard Div Apprciation | COM | 921908844 |  | 203783 | 1342 | SH |  | SOLE |  | 0 | 0 | 1342 |

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