# Heritage Financial Services, LLC

> Institutional holdings reported to the SEC as of Q4 2025 on Form 13F. CIK 1752035. Source: https://holderbook.com/funds/1752035-heritage-financial-services-llc/

- Reported value: $1.2B
- Positions: 126
- Weight of the ten largest: 89.1%
- Filed: 2026-02-02

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| VANGUARD SCOTTSDALE FDS | [VGIT](https://holderbook.com/stocks/VGIT/) | $311.8M | 5,202,760 | 26.0% | 13 |
| ISHARES TR | [IDEV](https://holderbook.com/stocks/IDEV/) | $270.4M | 3,278,313 | 22.6% | 17 |
| DIMENSIONAL ETF TRUST | [DFAC](https://holderbook.com/stocks/DFAC/) | $179.0M | 4,520,404 | 14.9% | 17 |
| J P MORGAN EXCHANGE TRADED F | [JPIE](https://holderbook.com/stocks/JPIE/) | $131.9M | 2,848,628 | 11.0% | 15 |
| DIMENSIONAL ETF TRUST | [DFEM](https://holderbook.com/stocks/DFEM/) | $57.6M | 1,741,258 | 4.8% | 8 |
| ISHARES TR | [USRT](https://holderbook.com/stocks/USRT/) | $49.4M | 867,698 | 4.1% | 17 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $20.0M | 195,964 | 1.7% | 4 |
| ISHARES TR | [ITOT](https://holderbook.com/stocks/ITOT/) | $18.2M | 122,164 | 1.5% | 17 |
| DIMENSIONAL ETF TRUST | [DFSU](https://holderbook.com/stocks/DFSU/) | $15.8M | 364,066 | 1.3% | 13 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $12.9M | 255,596 | 1.1% | 17 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $10.6M | 39,019 | 0.9% | 17 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $8.3M | 83,382 | 0.7% | 17 |
| DIMENSIONAL ETF TRUST | [DFSI](https://holderbook.com/stocks/DFSI/) | $7.6M | 178,466 | 0.6% | 13 |
| DIMENSIONAL ETF TRUST | [DFAI](https://holderbook.com/stocks/DFAI/) | $5.1M | 133,568 | 0.4% | 14 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $4.5M | 24,012 | 0.4% | 12 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $4.0M | 8,267 | 0.3% | 17 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $3.8M | 11,466 | 0.3% | 17 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $3.3M | 49,274 | 0.3% | 17 |
| DIMENSIONAL ETF TRUST | [DFAE](https://holderbook.com/stocks/DFAE/) | $3.2M | 98,200 | 0.3% | 10 |
| DIMENSIONAL ETF TRUST | [DFEV](https://holderbook.com/stocks/DFEV/) | $2.8M | 82,590 | 0.2% | 13 |
| DIMENSIONAL ETF TRUST | [DFSE](https://holderbook.com/stocks/DFSE/) | $2.5M | 59,733 | 0.2% | 13 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $2.4M | 3,828 | 0.2% | 17 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $2.3M | 3,422 | 0.2% | 17 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $2.3M | 4,617 | 0.2% | 17 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $2.1M | 17,172 | 0.2% | 17 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $2.1M | 6,035 | 0.2% | 9 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $2.0M | 14,271 | 0.2% | 17 |
| ISHARES TR | [IWV](https://holderbook.com/stocks/IWV/) | $2.0M | 5,232 | 0.2% | 17 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $2.0M | 2,928 | 0.2% | 17 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $1.9M | 1,800 | 0.2% | 17 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $1.8M | 3,854 | 0.2% | 17 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $1.8M | 8,783 | 0.2% | 17 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $1.8M | 8,411 | 0.1% | 17 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $1.7M | 5,630 | 0.1% | 17 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $1.5M | 12,384 | 0.1% | 17 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $1.5M | 20,995 | 0.1% | 17 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $1.4M | 2,829 | 0.1% | 17 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.4M | 4,428 | 0.1% | 17 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $1.3M | 5,503 | 0.1% | 17 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $1.3M | 1,458 | 0.1% | 17 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $1.2M | 19,673 | 0.1% | 13 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $1.2M | 3,913 | 0.1% | 17 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $1.2M | 4,517 | 0.1% | 17 |
| AMERICAN CENTY ETF TR | [AVUS](https://holderbook.com/stocks/AVUS/) | $1.1M | 9,459 | 0.1% | 17 |
| TJX COS INC NEW | [TJX](https://holderbook.com/stocks/TJX/) | $1.0M | 6,662 | 0.1% | 5 |
| VANGUARD BD INDEX FDS | [BND](https://holderbook.com/stocks/BND/) | $1.0M | 13,655 | 0.1% | 9 |
| VANGUARD MUN BD FDS | [VTEB](https://holderbook.com/stocks/VTEB/) | $970.7K | 19,303 | 0.1% | 17 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $958.1K | 3,061 | 0.1% | 17 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $948.2K | 11,811 | 0.1% | 17 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $852.6K | 2,646 | 0.1% | 17 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $837.0K | 6,015 | 0.1% | 17 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $829.4K | 4,342 | 0.1% | 5 |
| VANGUARD SPECIALIZED FUNDS | [VIG](https://holderbook.com/stocks/VIG/) | $785.4K | 3,574 | 0.1% | 17 |
| WISDOMTREE TR | [DXJ](https://holderbook.com/stocks/DXJ/) | $773.2K | 5,363 | 0.1% | 9 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $772.5K | 3,381 | 0.1% | 17 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $737.2K | 1,974 | 0.1% | 15 |
| ISHARES TR | [IUSG](https://holderbook.com/stocks/IUSG/) | $663.9K | 3,953 | 0.1% | 5 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $650.4K | 2,241 | 0.1% | 17 |
| EVERSOURCE ENERGY | [ES](https://holderbook.com/stocks/ES/) | $623.5K | 9,260 | 0.1% | 17 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $599.4K | 22,274 | 0.1% | 17 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $573.7K | 5,450 | 0.0% | 13 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $567.9K | 1,433 | 0.0% | 2 |
| ISHARES TR | [IGOV](https://holderbook.com/stocks/IGOV/) | $564.3K | 13,546 | 0.0% | 2 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $556.8K | 21,228 | 0.0% | 9 |
| MANULIFE FINL CORP | [MFC](https://holderbook.com/stocks/MFC/) | $548.1K | 15,107 | 0.0% | 4 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $543.5K | 1,469 | 0.0% | 9 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $534.0K | 1,552 | 0.0% | 17 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $529.2K | 702 | 0.0% | 10 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $528.2K | 1,506 | 0.0% | 6 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $526.5K | 919 | 0.0% | 10 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $499.9K | 5,588 | 0.0% | 4 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $498.9K | 6,146 | 0.0% | 2 |
| ISHARES TR | [MUB](https://holderbook.com/stocks/MUB/) | $489.7K | 4,572 | 0.0% | 9 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $485.0K | 2,306 | 0.0% | 17 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $474.3K | 3,786 | 0.0% | 17 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $473.9K | 718 | 0.0% | 8 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $461.6K | 3,029 | 0.0% | 17 |
| ANALOG DEVICES INC | [ADI](https://holderbook.com/stocks/ADI/) | $452.3K | 1,668 | 0.0% | 17 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $434.6K | 1,766 | 0.0% | 9 |
| DIMENSIONAL ETF TRUST | [DFIV](https://holderbook.com/stocks/DFIV/) | $431.4K | 8,646 | 0.0% | 13 |
| SSGA ACTIVE ETF TR | [TOTL](https://holderbook.com/stocks/TOTL/) | $423.5K | 10,521 | 0.0% | 11 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $423.3K | 689 | 0.0% | 11 |
| TRIMBLE INC | [TRMB](https://holderbook.com/stocks/TRMB/) | $418.7K | 5,344 | 0.0% | 5 |
| AIRJOULE TECHNOLOGIES CORP | [AIRJ](https://holderbook.com/stocks/AIRJ/) | $385.4K | 97,806 | 0.0% | 5 |
| SCHWAB STRATEGIC TR | [SCHH](https://holderbook.com/stocks/SCHH/) | $372.6K | 17,836 | 0.0% | 9 |
| SPDR SERIES TRUST | [SPTI](https://holderbook.com/stocks/SPTI/) | $372.1K | 12,902 | 0.0% | 9 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $350.3K | 3,144 | 0.0% | 6 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $342.2K | 4,536 | 0.0% | 4 |
| TEXAS PACIFIC LAND CORPORATI | [TPL](https://holderbook.com/stocks/TPL/) | $341.2K | 1,188 | 0.0% | 6 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $333.4K | 1,010 | 0.0% | 17 |
| VANGUARD INTL EQUITY INDEX F | [VWO](https://holderbook.com/stocks/VWO/) | $327.0K | 6,083 | 0.0% | 13 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $326.8K | 3,970 | 0.0% | 1 |
| ISHARES TR | [ISHG](https://holderbook.com/stocks/ISHG/) | $319.9K | 4,252 | 0.0% | 2 |
| QUALCOMM INC | [QCOM](https://holderbook.com/stocks/QCOM/) | $313.6K | 1,833 | 0.0% | 9 |
| EVERPURE INC | [P](https://holderbook.com/stocks/P/) | $303.1K | 4,523 | 0.0% | 8 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $301.3K | 978 | 0.0% | 3 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $300.2K | 5,458 | 0.0% | 17 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $293.6K | 1,601 | 0.0% | 4 |
| ISHARES TR | [DVY](https://holderbook.com/stocks/DVY/) | $291.3K | 2,064 | 0.0% | 8 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $290.8K | 1,391 | 0.0% | 5 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q4 2025 | +1.5% | +2.4% | -0.8% | 100% |
| Q3 2025 | +4.5% | +7.8% | -3.4% | 100% |
| Q2 2025 | +5.7% | +10.5% | -4.7% | 100% |
| Q1 2025 | -0.9% | -4.6% | +3.7% | 100% |
| Q4 2024 | -2.2% | +2.1% | -4.4% | 100% |
| Q3 2024 | +5.3% | +5.4% | -0.1% | 100% |
| Q2 2024 | +1.2% | +4.0% | -2.9% | 100% |
| Q1 2024 | +3.9% | +10.0% | -6.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q4 2025 | $1.2B | 126 |
| Q3 2025 | $1.1B | 134 |
| Q2 2025 | $1.0B | 125 |
| Q1 2025 | $1.0B | 120 |
| Q4 2024 | $753.0M | 117 |
| Q3 2024 | $752.1M | 110 |
| Q2 2024 | $697.1M | 105 |
| Q1 2024 | $672.1M | 104 |
| Q4 2023 | $587.8M | 99 |
| Q3 2023 | $512.2M | 79 |
| Q2 2023 | $499.7M | 81 |
| Q1 2023 | $458.8M | 78 |