[Form 3] Brighthouse Financial, Inc. Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

Melissa B. Pavlovich, Chief Accounting Officer of Brighthouse Financial, Inc. (BHF), filed an initial Form 3 reporting direct ownership of 6,822 shares of common stock and several unvested restricted stock unit awards. The filing lists RSUs awarded in 2025 (1,294 RSUs vesting in three equal installments in March 2026-2028), 2024 awards (5,581 RSUs vesting April 8, 2026 and remaining portions vesting March 2026-2027), 2024 unvested portion (1,076 RSUs), and 2023 unvested portion (413 RSUs). The form is signed by an attorney-in-fact.

Insights

Corporate Governance Expert

TL;DR: Routine executive disclosure showing direct share ownership and time-based equity awards; no unusual governance signals.

The Form 3 documents standard Section 16 reporting for a named officer. It discloses 6,822 shares owned directly and multiple tranches of restricted stock units from 2023-2025 with defined vesting schedules in 2026-2028. This is a compliance filing that increases transparency about the officer's equity stake and compensation timing. No pledges, options, or indirect holdings are indicated and no material corporate governance changes are reported.

Securities Analyst

TL;DR: Non-material ownership disclosure for investor visibility; equity compensation concentrated in future vesting dates.

The filing provides specific counts for vested common stock and contingent RSUs: 6,822 direct shares and RSU tranches totaling 8,364 underlying shares across awards (1,294; 5,581; 1,076; 413). Vesting is time-based across 2026-2028, implying no immediate issuance of additional shares prior to those dates. This is a routine initial beneficial ownership statement without transactional activity or disposition events that would affect short-term share supply.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Pavlovich Melissa B.

(Last) (First) (Middle)

11225 NORTH COMMUNITY HOUSE ROAD

(Street)

CHARLOTTE NC 28277

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
08/30/2025

3. Issuer Name and Ticker or Trading Symbol
Brighthouse Financial, Inc. [ BHF ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Accounting Officer

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	6,822	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	(1)	Common Stock	1,294	(2)	D
Restricted Stock Units	(3)	(3)	Common Stock	5,581	(2)	D
Restricted Stock Units	(4)	(4)	Common Stock	1,076	(2)	D
Restricted Stock Units	(5)	(5)	Common Stock	413	(2)	D

Explanation of Responses:

1. Restricted Stock Units ("RSUs") awarded in 2025, which will vest in three substantially equal installments on the first business day in March 2026, 2027, and 2028.

2. Each RSU represents the contingent right to receive one share of Brighthouse Financial, Inc. common stock.

3. RSUs awarded in 2024, which will vest on April 8, 2026.

4. Represents unvested portion of RSUs awarded in 2024, which will vest in two substantially equal installments on the first business day in March 2026 and 2027.

5. Represents unvested portion of RSUs awarded in 2023, which will vest on the first business day in March 2026.

Remarks:

Exhibit List - Exhibit 24 -Power of Attorney

	/s/ Jacob J. Jenkelowitz, Attorney-in-Fact, on behalf of Melissa B. Pavlovich	09/09/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did the Form 3 for Brighthouse Financial (BHF) disclose about Melissa Pavlovich's holdings?

The Form 3 shows 6,822 shares of common stock owned directly and several unvested RSU awards totaling 8,364 underlying shares across 2023-2025 awards.

When do the restricted stock units reported on the BHF Form 3 vest?

Vestings occur in scheduled installments: 2025 RSUs vest in three equal installments in March 2026-2028; 2024 RSUs vest on April 8, 2026 and in March 2026-2027 for remaining portions; 2023 RSUs vest March 2026.

Does the Form 3 indicate any derivative holdings or indirect ownership for Pavlovich?

No. The filing lists only direct ownership of common stock and direct RSUs; it does not report options, convertible securities, or indirect holdings.

Who signed the Form 3 for Melissa Pavlovich?

The Form 3 is signed by Jacob J. Jenkelowitz, Attorney-in-Fact, on behalf of Melissa B. Pavlovich, dated 09/09/2025.

Is there evidence of share sales, pledges, or other transactions in the Form 3?

No. This initial statement reports existing ownership and unvested RSUs only; it does not disclose any sales, pledges, or transfers.