Heritage Financial Services, LLC Q4 2025 Filing

Filed February 2, 2026

Portfolio Value

$1.2B

Holdings

126

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (126 positions)

#	Stock	Shares	Value	% Portfolio
1	VGITVANGUARD SCOTTSDALE FDS	5,202,760	$311.8M	26.03%
2	IDEVISHARES TR	3,278,313	$270.4M	22.57%
3	DFACDIMENSIONAL ETF TRUST	4,520,404	$179.0M	14.94%
4	JPIEJ P MORGAN EXCHANGE TRADED F	2,848,628	$131.9M	11.01%
5	DFEMDIMENSIONAL ETF TRUST	1,741,258	$57.6M	4.81%
6	USRTISHARES TR	867,698	$49.4M	4.13%
7	AVUVAMERICAN CENTY ETF TR	195,964	$20.0M	1.67%
8	ITOTISHARES TR	122,164	$18.2M	1.52%
9	DFSUDIMENSIONAL ETF TRUST	364,066	$15.8M	1.32%
10	JPSTJ P MORGAN EXCHANGE TRADED F	255,596	$12.9M	1.08%
11	AAPLAPPLE INC	39,019	$10.6M	0.89%
12	AGGISHARES TR	83,382	$8.3M	0.70%
13	DFSIDIMENSIONAL ETF TRUST	178,466	$7.6M	0.64%
14	DFAIDIMENSIONAL ETF TRUST	133,568	$5.1M	0.42%
15	NVDANVIDIA CORPORATION	24,012	$4.5M	0.37%
16	MSFTMICROSOFT CORP	8,267	$4.0M	0.33%
17	VTIVANGUARD INDEX FDS	11,466	$3.8M	0.32%
18	IEMGISHARES INC	49,274	$3.3M	0.28%
19	DFAEDIMENSIONAL ETF TRUST	98,200	$3.2M	0.27%
20	DFEVDIMENSIONAL ETF TRUST	82,590	$2.8M	0.23%
21	DFSEDIMENSIONAL ETF TRUST	59,733	$2.5M	0.21%
22	VOOVANGUARD INDEX FDS	3,828	$2.4M	0.20%
23	IVVISHARES TR	3,422	$2.3M	0.20%
24	VUGVANGUARD INDEX FDS	4,617	$2.3M	0.19%
25	IVWISHARES TR	17,172	$2.1M	0.18%
26	AVGOBROADCOM INC	6,035	$2.1M	0.17%
27	PGPROCTER AND GAMBLE CO	14,271	$2.0M	0.17%
28	IWVISHARES TR	5,232	$2.0M	0.17%
29	SPYSPDR S&P 500 ETF TR	2,928	$2.0M	0.17%
30	LLYELI LILLY & CO	1,800	$1.9M	0.16%
31	IWFISHARES TR	3,854	$1.8M	0.15%
32	JNJJOHNSON & JOHNSON	8,783	$1.8M	0.15%
33	IVEISHARES TR	8,411	$1.8M	0.15%
34	IBMINTERNATIONAL BUSINESS MACHS	5,630	$1.7M	0.14%
35	XOMEXXON MOBIL CORP	12,384	$1.5M	0.12%
36	KOCOCA COLA CO	20,995	$1.5M	0.12%
37	BRK/BBERKSHIRE HATHAWAY INC DEL	2,829	$1.4M	0.12%
38	GOOGALPHABET INC	4,428	$1.4M	0.12%
39	AMZNAMAZON COM INC	5,503	$1.3M	0.11%
40	COSTCOSTCO WHSL CORP NEW	1,458	$1.3M	0.10%
41	VEAVANGUARD TAX-MANAGED FDS	19,673	$1.2M	0.10%
42	MCDMCDONALDS CORP	3,913	$1.2M	0.10%
43	AMATAPPLIED MATLS INC	4,517	$1.2M	0.10%
44	AVUSAMERICAN CENTY ETF TR	9,459	$1.1M	0.09%
45	TJXTJX COS INC NEW	6,662	$1.0M	0.09%
46	BNDVANGUARD BD INDEX FDS	13,655	$1.0M	0.08%
47	VTEBVANGUARD MUN BD FDS	19,303	$970K	0.08%
48	GOOGLALPHABET INC	3,061	$958K	0.08%
49	NEENEXTERA ENERGY INC	11,811	$948K	0.08%
50	JPMJPMORGAN CHASE & CO.	2,646	$852K	0.07%
51	SDYSPDR SERIES TRUST	6,015	$837K	0.07%
52	VTVVANGUARD INDEX FDS	4,342	$829K	0.07%
53	VIGVANGUARD SPECIALIZED FUNDS	3,574	$785K	0.07%
54	DXJWISDOMTREE TR	5,363	$773K	0.06%
55	ABBVABBVIE INC	3,381	$772K	0.06%
56	IWBISHARES TR	1,974	$737K	0.06%
57	IUSGISHARES TR	3,953	$663K	0.06%
58	VOVANGUARD INDEX FDS	2,241	$650K	0.05%
59	ESEVERSOURCE ENERGY	9,260	$623K	0.05%
60	SCHXSCHWAB STRATEGIC TR	22,274	$599K	0.05%
61	MRKMERCK & CO INC	5,450	$573K	0.05%
62	GQ9SPDR GOLD TR	1,433	$567K	0.05%
63	IGOVISHARES TR	13,546	$564K	0.05%
64	SCHBSCHWAB STRATEGIC TR	21,228	$556K	0.05%
65	MFCMANULIFE FINL CORP	15,107	$548K	0.05%
66	AXPAMERICAN EXPRESS CO	1,469	$543K	0.05%
67	HDHOME DEPOT INC	1,552	$534K	0.04%
68	VGTVANGUARD WORLD FD	702	$529K	0.04%
69	VVISA INC	1,506	$528K	0.04%
70	CATCATERPILLAR INC	919	$526K	0.04%
71	AQLTISHARES TR	5,588	$499K	0.04%
72	IAU*ISHARES GOLD TR	6,146	$498K	0.04%
73	MUBISHARES TR	4,572	$489K	0.04%
74	IWDISHARES TR	2,306	$485K	0.04%
75	ABTABBOTT LABS	3,786	$474K	0.04%
76	METAMETA PLATFORMS INC	718	$473K	0.04%
77	CVXCHEVRON CORP NEW	3,029	$461K	0.04%
78	ADIANALOG DEVICES INC	1,668	$452K	0.04%
79	IWMISHARES TR	1,766	$434K	0.04%
80	DFIVDIMENSIONAL ETF TRUST	8,646	$431K	0.04%
81	TOTLSSGA ACTIVE ETF TR	10,521	$423K	0.04%
82	NDQINVESCO QQQ TR	689	$423K	0.04%
83	TRMBTRIMBLE INC	5,344	$418K	0.03%
84	AIRJAIRJOULE TECHNOLOGIES CORP	97,806	$385K	0.03%
85	SCHHSCHWAB STRATEGIC TR	17,836	$372K	0.03%
86	SPTISPDR SERIES TRUST	12,902	$372K	0.03%
87	WMTWALMART INC	3,144	$350K	0.03%
88	VXUSVANGUARD STAR FDS	4,536	$342K	0.03%
89	TPLTEXAS PACIFIC LAND CORPORATI	1,188	$341K	0.03%
90	UNHUNITEDHEALTH GROUP INC	1,010	$333K	0.03%
91	VWOVANGUARD INTL EQUITY INDEX F	6,083	$327K	0.03%
92	AVDEAMERICAN CENTY ETF TR	3,970	$326K	0.03%
93	ISHGISHARES TR	4,252	$319K	0.03%
94	QCOMQUALCOMM INC	1,833	$313K	0.03%
95	PSTGPURE STORAGE INC	4,523	$303K	0.03%
96	GEGE AEROSPACE	978	$301K	0.03%
97	BACBANK AMERICA CORP	5,458	$300K	0.03%
98	RTXRTX CORPORATION	1,601	$293K	0.02%
99	AQLTISHARES TR	2,064	$291K	0.02%
100	VXFVANGUARD INDEX FDS	1,391	$290K	0.02%

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