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VOL. XII · NO. 117Established MMXIV · George Town, Grand CaymanAtlantic Edition · $4.50

The Cayman Journal

Finance · Business · Technology · Caribbean & Global Affairs
13F HOLDINGS REPORT

Francis Financial, Inc.

Quarter ended Q3 2025 · Filed November 6, 2025 · Accession 0001727514-25-000003

Total Value
$562.4M
Positions
260
Other Managers
2
Confidential Omitted
No
View on SEC.gov

Holdings (260)

#IssuerTicker / CUSIPSharesValue% of Filing
1VANGUARD INDEX FDS922908363126,166$77.3M13.74%
2VANGUARD BD INDEX FDS921937819608,262$47.5M8.45%
3META PLATFORMS INCMETA941$38.5M6.85%
4META PLATFORMS INCMETA51,056$37.5M6.67%
5TCW ETF TRUST29287L700834,325$33.2M5.90%
6DIMENSIONAL ETF TRUST25434V690704,936$28.9M5.13%
7VANGUARD INDEX FDS92290873656,667$27.2M4.83%
8J P MORGAN EXCHANGE TRADED F46641Q134349,065$25.7M4.56%
9VANGUARD ADMIRAL FDS INC921932885155,178$17.1M3.05%
10VANGUARD WHITEHALL FDS921946406116,157$16.4M2.91%
11ISHARES TR464287804115,766$13.8M2.45%
12VANGUARD NY TAX FREE FDS92204H400129,166$13.3M2.36%
13ISHARES TR46435U440265,364$12.8M2.27%
14DIMENSIONAL ETF TRUST25434V666382,055$12.6M2.23%
15ISHARES TR46428857093,843$11.8M2.10%
16ISHARES TR46435G243410,650$10.4M1.85%
17VANGUARD INDEX FDS92290862926,890$7.9M1.40%
18NUSHARES ETF TRNU68,777$6.8M1.22%
19NVIDIA CORPORATIONNVDA18,864$5.7M1.01%
20APPLE INCAAPL13,221$5.1M0.90%
21VANGUARD SCOTTSDALE FDS92206C73015,889$4.8M0.85%
22VANGUARD INDEX FDS92290876914,035$4.6M0.82%
23DIMENSIONAL ETF TRUST25434V682107,165$4.4M0.78%
24VANGUARD INDEX FDS92290874419,189$3.6M0.64%
25MICROSOFT CORPMSFT2,583$3.4M0.60%
26ALPHABET INCGOOG6,332$3.2M0.56%
27FIRST TR EXCH TRADED FD III33739P830147,855$3.0M0.53%
28ISHARES TR46428841425,665$2.7M0.49%
29INVESCO EXCHANGE TRADED FD TIVZ13,776$2.6M0.46%
30ISHARES TR4642872003,899$2.6M0.46%
31VANGUARD WORLD FD9219108166,415$2.6M0.46%
32VANGUARD SCOTTSDALE FDS92206C66425,882$2.5M0.45%
33AMAZON COM INCAMZN1,309$2.5M0.44%
34VANGUARD INTL EQUITY INDEX F92204285845,658$2.5M0.44%
35ISHARES TR46435U66352,914$2.4M0.42%
36ISHARES TR46436E55150,173$2.2M0.39%
37DIMENSIONAL ETF TRUST25434V72448,242$2.2M0.38%
38ISHARES TR46428832340,033$2.1M0.38%
39VANGUARD WORLD FD92191069132,948$2.1M0.38%
40AMAZON COM INCAMZN8,027$1.8M0.31%
41CORNING INCGLW20,352$1.8M0.31%
42BERKSHIRE HATHAWAY INC DELBRK-A2,103$1.5M0.27%
43MICROSOFT CORPMSFT2,398$1.2M0.22%
44MCDONALDS CORPMCD3,583$1.2M0.21%
45ALPHABET INCGOOG4,895$1.2M0.21%
46ALPHABET INCGOOG3,773$1.2M0.21%
47NVIDIA CORPORATIONNVDA5,987$1.1M0.20%
48SCHWAB STRATEGIC TR80852464942,671$1.1M0.19%
49JPMORGAN CHASE & CO.VYLD2,026$1.1M0.19%
50BROADCOM INCAVGO1,075$1.0M0.19%
51NVIDIA CORPORATIONNVDA5,458$1.0M0.18%
52INTERNATIONAL BUSINESS MACHSINTR2,966$984,4140.18%
53APPLE INCAAPL3,643$927,6180.16%
54HOME DEPOT INCHD1,784$914,5070.16%
55DIMENSIONAL ETF TRUST25434V88029,119$913,7550.16%
56ISHARES TR4642876553,469$839,3600.15%
57MICROSOFT CORPMSFT1,527$790,9100.14%
58APPLE INCAAPL3,050$776,6220.14%
59SCHWAB STRATEGIC TR80852475516,654$715,4500.13%
60ISHARES TR4642876141,508$706,3630.13%
61GOLDMAN SACHS GROUP INCGSCE697$693,6210.12%
62DIMENSIONAL ETF TRUST25434V20318,901$687,0520.12%
63T ROWE PRICE ETF INC87283Q83420,371$684,8740.12%
64META PLATFORMS INCMETA900$660,9420.12%
65TESLA INCTSLA663$615,4930.11%
66DIMENSIONAL ETF TRUST25434V4018,400$608,4960.11%
67VANGUARD INDEX FDS9229087512,328$591,9640.11%
68ISHARES TR4642873094,757$574,3210.10%
69DIMENSIONAL ETF TRUST25434V70814,876$573,7680.10%
70ELI LILLY & COLLY368$553,9380.10%
71SCHWAB STRATEGIC TR80852477120,787$546,7110.10%
72AMERICAN EXPRESS COAXP1,278$531,4560.09%
73PNC FINL SVCS GROUP INC6934751052,328$495,8960.09%
74COSTCO WHSL CORP NEW22160K105291$479,4770.09%
75AMAZON COM INCAMZN2,100$461,0970.08%
76MASTERCARD INCORPORATEDMA402$439,6910.08%
77ALPHABET INCGOOG1,803$438,3100.08%
78SPDR S&P 500 ETF TRSPY651$433,6840.08%
79AMAZON COM INCAMZN1,972$432,9930.08%
80VANGUARD SCOTTSDALE FDS92206C8135,557$431,4680.08%
81BANK AMERICA CORP0605051045,368$426,6450.08%
82INVESCO QQQ TRIVZ700$420,2590.07%
83VANGUARD BD INDEX FDS9219378355,554$413,0510.07%
84SCHWAB STRATEGIC TR80852420115,288$402,6920.07%
85CAPITAL GROUP DIVIDEND VALUE14020W1069,486$398,6970.07%
86BROADCOM INCAVGO1,201$396,2220.07%
87VISA INCV321$385,0770.07%
88GE AEROSPACE3696043011,042$385,0650.07%
89ISHARES TR4642874081,729$356,9770.06%
90DIMENSIONAL ETF TRUST25434V5005,012$343,1220.06%
91INTUITIVE SURGICAL INCISRG705$338,1060.06%
92TJX COS INC NEW8725401091,937$327,2390.06%
93META PLATFORMS INCMETA445$326,8000.06%
94SPDR DOW JONES INDL AVERAGE78467X109691$320,4450.06%
95DISNEY WALT CO2546871062,116$317,9670.06%
96JOHNSON & JOHNSONJNJ640$317,4400.06%
97TESLA INCTSLA705$313,5280.06%
98MICROSOFT CORPMSFT600$310,7700.06%
99ISHARES TR464287689803$304,2890.05%
100NETFLIX INCNFLX38$293,1640.05%
101BROADCOM INCAVGO883$291,3110.05%
102ORACLE CORPORCL-PD180$287,7090.05%
103BERKSHIRE HATHAWAY INC DELBRK-A554$278,5180.05%
104VANGUARD INDEX FDS922908637884$272,1490.05%
105WALMART INCWMT320$270,6870.05%
106NUCOR CORPNUE1,916$263,1410.05%
107VANGUARD SPECIALIZED FUNDS9219088441,190$256,8310.05%
108SOUTHERN COSOMN2,304$255,5950.05%
109TAIWAN SEMICONDUCTOR MFG LTD874039100177$254,2000.05%
110ISHARES TR4642876632,519$251,7750.04%
111ABBVIE INCABBV179$238,4870.04%
112ISHARES TR4642871681,675$238,0180.04%
113JPMORGAN CHASE & CO.VYLD754$237,8350.04%
114PROCTER AND GAMBLE CO742718109420$228,0170.04%
115ADVANCED MICRO DEVICES INCAMD414$221,8150.04%
116SCHLUMBERGER LTDSLB5,841$216,5310.04%
117PALANTIR TECHNOLOGIES INCPLTR159$213,7970.04%
118ISHARES TR46432F3391,049$204,0310.04%
119INVESCO EXCH TRD SLF IDX FDIVZ8,635$204,0020.04%
120INVESCO EXCH TRD SLF IDX FDIVZ8,564$202,6250.04%
121UNITEDHEALTH GROUP INCUNH211$202,0010.04%
122EXXON MOBIL CORPXOM1,037$198,8910.04%
123BOSTON SCIENTIFIC CORPBSX52$197,3110.04%
124CHEVRON CORP NEWCVX815$193,8250.03%
125NATIONAL FUEL GAS CONFG2,043$188,7120.03%
126NATIONAL FUEL GAS CONFG0$188,7120.03%
127BERKSHIRE HATHAWAY INC DELBRK-A367$184,5060.03%
128JPMORGAN CHASE & CO.VYLD578$182,3190.03%
129LOEWS CORPL76$180,9030.03%
130LOEWS CORPL1,716$172,2700.03%
131CISCO SYS INCCSCO1,198$169,2030.03%
132COCA COLA COKO1,039$166,2330.03%
133AT&T INCT-PC2,381$162,5390.03%
134JOHNSON & JOHNSONJNJ876$162,4280.03%
135GE VERNOVA INCGEV180$158,6450.03%
136LAM RESEARCH CORPLRCX379$158,2100.03%
137PEPSICO INCPEP198$155,3270.03%
138BOSTON SCIENTIFIC CORPBSX1,575$153,7680.03%
139APPLIED MATLS INC038222105216$150,6890.03%
140SALESFORCE INCCRM278$150,1170.03%
141KLA CORPKLAC39$148,8470.03%
142CITIGROUP INCC-PR462$147,2970.03%
143ABBOTT LABSABLZF132$146,6650.03%
144TAIWAN SEMICONDUCTOR MFG LTD874039100522$145,7900.03%
145ALPHABET INCGOOG594$144,6690.03%
146VISA INCV417$142,3560.03%
147SAP SESAPGF150$141,3550.03%
148ELI LILLY & COLLY180$137,3400.02%
149ELI LILLY & COLLY178$135,8140.02%
150HOME DEPOT INCHD330$133,7130.02%
151VISA INCV390$133,1390.02%
152CONSTELLATION ENERGY CORPCEG55$128,6670.02%
153VIATRIS INCVTRS10,763$128,5850.02%
154NETFLIX INCNFLX106$127,0860.02%
155VISTRA CORPVST28$122,8420.02%
156NETFLIX INCNFLX101$121,0910.02%
157WALMART INCWMT1,161$119,6530.02%
158SERVICENOW INCNOW30$119,6370.02%
159ORACLE CORPORCL-PD423$118,9650.02%
160BOOKING HOLDINGS INCBKNG2$118,7840.02%
161PHILIP MORRIS INTL INC718172109165$118,2440.02%
162ORACLE CORPORCL-PD420$118,1210.02%
163WALMART INCWMT1,145$118,0040.02%
164ARISTA NETWORKS INCANET114$111,6140.02%
165MASTERCARD INCORPORATEDMA194$110,3500.02%
166COSTCO WHSL CORP NEW22160K105119$110,1500.02%
167CAPITAL ONE FINL CORP14040H10555$106,0780.02%
168ABBVIE INCABBV448$103,7300.02%
169INTERNATIONAL BUSINESS MACHSINTR367$103,5530.02%
170LAUREATE EDUCATION INCLAUR0$102,2530.02%
171LAUREATE EDUCATION INCLAUR3,242$102,2530.02%
172PROCTER AND GAMBLE CO742718109665$102,1780.02%
173SAP SESAPGF379$101,2730.02%
174MASTERCARD INCORPORATEDMA177$100,6800.02%
175COSTCO WHSL CORP NEW22160K105108$99,9690.02%
176PEPSICO INCPEP710$99,7130.02%
177ALPHABET INCGOOG404$98,3950.02%
178VISTRA CORPVST497$97,3730.02%
179PALANTIR TECHNOLOGIES INCPLTR522$95,2240.02%
180ABBVIE INCABBV403$93,3110.02%
181PALANTIR TECHNOLOGIES INCPLTR491$89,5690.02%
182CONSTELLATION ENERGY CORPCEG254$83,5840.01%
183ADVANCED MICRO DEVICES INCAMD516$83,4840.01%
184ABBOTT LABSABLZF589$78,8910.01%
185BANK AMERICA CORP0605051041,482$76,4570.01%
186EXXON MOBIL CORPXOM667$75,2050.01%
187UNITEDHEALTH GROUP INCUNH217$74,9310.01%
188GOLDMAN SACHS GROUP INCGSCE93$74,0610.01%
189BANK AMERICA CORP0605051041,420$73,2580.01%
190CORNING INCGLW870$71,3670.01%
191ADVANCED MICRO DEVICES INCAMD441$71,3500.01%
192BOOKING HOLDINGS INCBKNG13$70,1910.01%
193CITIGROUP INCC-PR671$68,1070.01%
194LAM RESEARCH CORPLRCX497$66,5490.01%
195GE AEROSPACE369604301219$65,8890.01%
196GOLDMAN SACHS GROUP INCGSCE81$64,5050.01%
197KLA CORPKLAC59$63,6380.01%
198APPLIED MATLS INC038222105308$63,0600.01%
199MCDONALDS CORPMCD202$61,3860.01%
200PROCTER AND GAMBLE CO742718109399$61,3070.01%
201CHEVRON CORP NEWCVX393$61,0290.01%
202PHILIP MORRIS INTL INC718172109371$60,1770.01%
203TAIWAN SEMICONDUCTOR MFG LTD874039100211$58,9310.01%
204COCA COLA COKO880$58,3970.01%
205HOME DEPOT INCHD143$57,9430.01%
206CISCO SYS INCCSCO829$56,7210.01%
207AMERICAN EXPRESS COAXP169$56,1360.01%
208UNITEDHEALTH GROUP INCUNH157$54,2130.01%
209ARISTA NETWORKS INCANET368$53,6220.01%
210CAPITAL ONE FINL CORP14040H105249$52,9330.01%
211AMERICAN EXPRESS COAXP153$50,8210.01%
212SERVICENOW INCNOW55$50,6160.01%
213ABBOTT LABSABLZF374$50,0940.01%
214AT&T INCT-PC1,770$49,9850.01%
215SALESFORCE INCCRM209$49,5330.01%
216AT&T INCT-PC1,605$45,3260.01%
217TJX COS INC NEW872540109312$45,0970.01%
218GE VERNOVA INCGEV72$44,2730.01%
219INTERNATIONAL BUSINESS MACHSINTR156$44,0170.01%
220APPLIED MATLS INC038222105212$43,4050.01%
221KLA CORPKLAC40$43,1440.01%
222CAPITAL ONE FINL CORP14040H105195$41,4540.01%
223SERVICENOW INCNOW45$41,4130.01%
224ARISTA NETWORKS INCANET284$41,3820.01%
225LAM RESEARCH CORPLRCX305$40,8400.01%
226MCDONALDS CORPMCD134$40,7220.01%
227COCA COLA COKO587$38,9300.01%
228BOSTON SCIENTIFIC CORPBSX394$38,4670.01%
229DISNEY WALT CO254687106332$38,0140.01%
230BOOKING HOLDINGS INCBKNG7$37,7950.01%
231DISNEY WALT CO254687106329$37,6710.01%
232JOHNSON & JOHNSONJNJ196$36,3430.01%
233SALESFORCE INCCRM146$34,6050.01%
234CITIGROUP INCC-PR318$32,2770.01%
235PHILIP MORRIS INTL INC718172109193$31,3050.01%
236CISCO SYS INCCSCO446$30,5160.01%
237SOUTHERN COSOMN311$29,4740.01%
238PEPSICO INCPEP198$27,8080.00%
239CONSTELLATION ENERGY CORPCEG82$26,9840.00%
240CORNING INCGLW251$20,5900.00%
241PNC FINL SVCS GROUP INC693475105102$20,4950.00%
242VISTRA CORPVST102$19,9840.00%
243VIATRIS INCVTRS1,974$19,5430.00%
244INTUITIVE SURGICAL INCISRG42$18,7840.00%
245SCHLUMBERGER LTDSLB422$14,5050.00%
246SOUTHERN COSOMN82$7,7720.00%
247PNC FINL SVCS GROUP INC69347510538$7,6360.00%
248TESLA INCTSLA16$7,1160.00%
249EXXON MOBIL CORPXOM60$6,7650.00%
250CHEVRON CORP NEWCVX40$6,2120.00%
251GE AEROSPACE36960430119$5,7160.00%
252INTUITIVE SURGICAL INCISRG9$4,0260.00%
253GE VERNOVA INCGEV6$3,6900.00%
254NUCOR CORPNUE19$2,5740.00%
255VIATRIS INCVTRS251$2,4850.00%
256TJX COS INC NEW87254010915$2,1690.00%
257SCHLUMBERGER LTDSLB37$1,2720.00%
258NUCOR CORPNUE8$1,0840.00%
259LOEWS CORPL10$1,0040.00%
260DIMENSIONAL ETF TRUST25434V7242$900.00%