Heritage Financial Services, LLC

Westwood, MA · CIK 1752035 · 13F filing filed 2025-07-18

No investment adviser registration (Form ADV) found for this filer. It may be a parent company whose subsidiaries are the registered advisers, a bank or insurer, or a manager based outside the US.

$1.0bn reported value +2.9% vs Q1 2025

125positions

88.3%in top 10

11 new 48 added 47 reduced 6 sold out vs Q1 2025

Holdings, Q2 2025

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	VANGUARD SCOTTSDALE FDS INTER TERM TREAS VGIT	VGIT	4,225,407	$252.7m24.32%	24.32%	Reduced -6.1k	-6,105 -0.1%
2	ISHARES TR CORE MSCI INTL IDEV	IDEV	3,150,680	$239.6m23.05%	23.05%	Reduced -25.6k	-25,615 -0.8%
3	DIMENSIONAL ETF TRUST US CORE EQUITY 2 DFAC	DFAC	4,672,759	$167.5m16.12%	16.12%	Reduced -939.6k	-939,636 -16.7%
4	J P MORGAN EXCHANGE TRADED F INCOME ETF JPIE	JPIE	2,205,824	$102.2m9.83%	9.83%	Added +23.1k	+23,079 1.1%
5	DIMENSIONAL ETF TRUST EMERGING MKTS CO DFEM	DFEM	1,826,125	$54.2m5.22%	5.22%	Reduced -35.8k	-35,795 -1.9%
6	ISHARES TR CRE U S REIT ETF USRT	USRT	738,880	$41.8m4.02%	4.02%	Added +10.9k	+10,948 1.5%
7	ISHARES TR CORE S&P TTL STK ITOT	ITOT	133,906	$18.1m1.74%	1.74%	Reduced -7.0k	-6,988 -5.0%
8	AMERICAN CENTY ETF TR US SML CP VALU AVUV	AVUV	168,026	$15.3m1.47%	1.47%	Added +59.1k	+59,091 54.2%
9	DIMENSIONAL ETF TRUST US SUSTAINABILTY DFSU	DFSU	339,438	$13.3m1.28%	1.28%	Added +23.7k	+23,716 7.5%
10	J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF JPST	JPST	256,231	$13.0m1.25%	1.25%	Reduced -2.0k	-1,985 -0.8%
11	APPLE INC COM AAPL	AAPL	40,720	$8.4m0.80%	0.80%	Reduced -2.9k	-2,906 -6.7%
12	ISHARES TR CORE US AGGBD ET AGG	AGG	68,934	$6.8m0.66%	0.66%	Reduced -3.1k	-3,069 -4.3%
13	DIMENSIONAL ETF TRUST INTERNATIONAL DFSI	DFSI	173,376	$6.8m0.66%	0.66%	Added +1.2k	+1,194 0.7%
14	NVIDIA CORPORATION COM NVDA	NVDA	42,092	$6.7m0.64%	0.64%	Added +16.7k	+16,714 65.9%
15	MICROSOFT CORP COM MSFT	MSFT	9,212	$4.6m0.44%	0.44%	Reduced -510	-510 -5.2%
16	DIMENSIONAL ETF TRUST INTL CORE EQT MK DFAI	DFAI	115,145	$4.0m0.38%	0.38%	Added +2.8k	+2,818 2.5%
17	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	12,107	$3.7m0.35%	0.35%	Reduced -1.8k	-1,753 -12.7%
18	ISHARES INC CORE MSCI EMKT IEMG	IEMG	57,987	$3.5m0.33%	0.33%	Reduced -5.7k	-5,682 -8.9%
19	DIMENSIONAL ETF TRUST EMERGING MKTS VA DFEV	DFEV	86,021	$2.6m0.25%	0.25%	Reduced -1.5k	-1,455 -1.7%
20	DIMENSIONAL ETF TRUST EMGR CRE EQT MNG DFAE	DFAE	82,941	$2.4m0.23%	0.23%	Added +555	+555 0.7%
21	DIMENSIONAL ETF TRUST EMERGING MARKETS DFSE	DFSE	60,784	$2.3m0.22%	0.22%	Reduced -97	-97 -0.2%
22	PROCTER AND GAMBLE CO COM PG	PG	14,438	$2.3m0.22%	0.22%	Added +52	+52 0.4%
23	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	4,017	$2.3m0.22%	0.22%	Added +791	+791 24.5%
24	ISHARES TR CORE S&P500 ETF IVV	IVV	3,562	$2.2m0.21%	0.21%	Added +297	+297 9.1%
25	ISHARES TR S&P 500 GRWT ETF IVW	IVW	19,063	$2.1m0.20%	0.20%	Added +547	+547 3.0%
26	BROADCOM INC COM AVGO	AVGO	7,331	$2.0m0.19%	0.19%	Added +1.5k	+1,454 24.7%
27	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	4,541	$2.0m0.19%	0.19%	Added +174	+174 4.0%
28	ISHARES TR RUSSELL 3000 ETF IWV	IWV	5,537	$1.9m0.19%	0.19%	Reduced -226	-226 -3.9%
29	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	2,886	$1.8m0.17%	0.17%	Added +97	+97 3.5%
30	MCDONALDS CORP COM MCD	MCD	5,685	$1.7m0.16%	0.16%	Added +29	+29 0.5%
31	ISHARES TR S&P 500 VAL ETF IVE	IVE	8,464	$1.7m0.16%	0.16%	Added +106	+106 1.3%
32	ISHARES TR RUS 1000 GRW ETF IWF	IWF	3,790	$1.6m0.15%	0.15%	Added +366	+366 10.7%
33	COCA COLA CO COM KO	KO	20,757	$1.5m0.14%	0.14%	Added +159	+159 0.8%
34	ELI LILLY & CO COM LLY	LLY	1,858	$1.4m0.14%	0.14%	Reduced -28	-28 -1.5%
35	COSTCO WHSL CORP NEW COM COST	COST	1,457	$1.4m0.14%	0.14%	Added +5	+5 0.3%
36	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	4,837	$1.4m0.14%	0.14%	Reduced -62	-62 -1.3%
37	AMAZON COM INC COM AMZN	AMZN	6,307	$1.4m0.13%	0.13%	Added +42	+42 0.7%
38	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	2,848	$1.4m0.13%	0.13%	Reduced -339	-339 -10.6%
39	JOHNSON & JOHNSON COM JNJ	JNJ	8,972	$1.4m0.13%	0.13%	Reduced -413	-413 -4.4%
40	EXXON MOBIL CORP COM XOM	XOM	12,107	$1.3m0.13%	0.13%	Reduced -245	-245 -2.0%
41	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	21,531	$1.2m0.12%	0.12%	Added +392	+392 1.9%
42	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	13,490	$993.3k0.10%	0.10%	Reduced -6.0k	-6,017 -30.9%
43	VANGUARD MUN BD FDS TAX EXEMPT BD VTEB	VTEB	19,461	$954.2k0.09%	0.09%	Reduced -5.9k	-5,863 -23.1%
44	VISA INC COM CL A V	V	2,450	$869.9k0.08%	0.08%	Added +1.5k	+1,547 171.3%
45	TJX COS INC NEW COM TJX	TJX	6,924	$855.0k0.08%	0.08%	Added +20	+20 0.3%
46	ALPHABET INC CAP STK CL C GOOG	GOOG	4,697	$833.2k0.08%	0.08%	Reduced -1.1k	-1,057 -18.4%
47	SPDR SER TR S&P DIVID ETF SDY	SDY	6,085	$825.9k0.08%	0.08%	Added +70	+70 1.2%
48	APPLIED MATLS INC COM AMAT	AMAT	4,505	$824.8k0.08%	0.08%	Reduced -9	-9 -0.2%
49	NEXTERA ENERGY INC COM NEE	NEE	11,805	$819.5k0.08%	0.08%	Added +188	+188 1.6%
50	MERCK & CO INC COM MRK	MRK	9,498	$751.9k0.07%	0.07%	Added +4.6k	+4,623 94.8%
51	ANALOG DEVICES INC COM ADI	ADI	3,154	$750.6k0.07%	0.07%	Reduced -163	-163 -4.9%
52	JPMORGAN CHASE & CO COM JPM	JPM	2,489	$721.6k0.07%	0.07%	Reduced -92	-92 -3.6%
53	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	3,481	$712.4k0.07%	0.07%	Unchanged
54	VANGUARD INDEX FDS VALUE ETF VTV	VTV	4,006	$708.0k0.07%	0.07%	Added +994	+994 33.0%
55	VANGUARD INDEX FDS MID CAP ETF VO	VO	2,419	$676.9k0.07%	0.07%	Reduced -211	-211 -8.0%
56	META PLATFORMS INC CL A META	META	875	$645.8k0.06%	0.06%	Reduced -23	-23 -2.6%
57	WISDOMTREE TR JAPN HEDGE EQT DXJ	DXJ	5,536	$632.6k0.06%	0.06%	Unchanged
58	ABBVIE INC COM ABBV	ABBV	3,373	$626.1k0.06%	0.06%	Reduced -310	-310 -8.4%
59	ISHARES TR RUS 1000 ETF IWB	IWB	1,799	$610.9k0.06%	0.06%	Added +83	+83 4.8%
60	EVERSOURCE ENERGY COM ES	ES	9,432	$600.1k0.06%	0.06%	Unchanged
61	ISHARES TR CORE S&P US GWT IUSG	IUSG	3,953	$594.5k0.06%	0.06%	Unchanged
62	PAYCHEX INC COM PAYX	PAYX	3,932	$571.9k0.06%	0.06%	Unchanged
63	HOME DEPOT INC COM HD	HD	1,553	$569.3k0.05%	0.05%	Added +116	+116 8.1%
64	ALPHABET INC CAP STK CL A GOOGL	GOOGL	3,204	$564.6k0.05%	0.05%	Reduced -1.1k	-1,055 -24.8%
65	AMERICAN CENTY ETF TR US EQT ETF AVUS	AVUS	5,573	$561.9k0.05%	0.05%	Unchanged
66	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	22,274	$544.4k0.05%	0.05%	Unchanged
67	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	21,765	$518.7k0.05%	0.05%	Added +552	+552 2.6%
68	ABBOTT LABS COM ABT	ABT	3,756	$510.9k0.05%	0.05%	Reduced -185	-185 -4.7%
69	VANGUARD WORLD FD INF TECH ETF VGT	VGT	765	$507.4k0.05%	0.05%	Reduced -248	-248 -24.5%
70	MANULIFE FINL CORP COM MFC	MFC	15,107	$482.8k0.05%	0.05%	Unchanged
71	AMERICAN EXPRESS CO COM AXP	AXP	1,500	$478.5k0.05%	0.05%	Added +189	+189 14.4%
72	ISHARES TR NATIONAL MUN ETF MUB	MUB	4,567	$477.2k0.05%	0.05%	Reduced -32	-32 -0.7%
73	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	851	$469.4k0.05%	0.05%	Added +95	+95 12.6%
74	ISHARES TR RUS 1000 VAL ETF IWD	IWD	2,306	$447.9k0.04%	0.04%	Reduced -279	-279 -10.8%
75	ISHARES TR CORE MSCI EAFE IEFA	IEFA	5,330	$444.9k0.04%	0.04%	Added +1.6k	+1,630 44.0%
76	CHEVRON CORP NEW COM CVX	CVX	3,016	$431.9k0.04%	0.04%	Reduced -156	-156 -4.9%
77	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	10,521	$422.0k0.04%	0.04%	Reduced -730	-730 -6.5%
78	TRIMBLE INC COM TRMB	TRMB	5,341	$405.8k0.04%	0.04%	Reduced -1.2k	-1,230 -18.7%
79	AT&T INC COM T	T	13,899	$402.2k0.04%	0.04%	Added +3.6k	+3,640 35.5%
80	SCHWAB STRATEGIC TR US REIT ETF SCHH	SCHH	18,538	$392.3k0.04%	0.04%	Reduced -884	-884 -4.5%
81	VERIZON COMMUNICATIONS INC COM VZ	VZ	8,911	$385.6k0.04%	0.04%	Added +2.7k	+2,709 43.7%
82	ISHARES TR RUSSELL 2000 ETF IWM	IWM	1,785	$385.1k0.04%	0.04%	Added +38	+38 2.2%
83	QUALCOMM INC COM QCOM	QCOM	2,341	$372.8k0.04%	0.04%	Added +528	+528 29.1%
84	SPDR SER TR PORTFLI INTRMDIT SPTI	SPTI	12,902	$371.2k0.04%	0.04%	Unchanged
85	DIMENSIONAL ETF TRUST INTERNATNAL VAL DFIV	DFIV	8,646	$370.3k0.04%	0.04%	Unchanged
86	CATERPILLAR INC COM CAT	CAT	909	$352.9k0.03%	0.03%	Reduced -70	-70 -7.2%
87	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	6,924	$342.5k0.03%	0.03%	Reduced -395	-395 -5.4%
88	UNITEDHEALTH GROUP INC COM UNH	UNH	1,070	$333.8k0.03%	0.03%	Reduced -1	-1 -0.1%
89	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	4,599	$317.8k0.03%	0.03%	Reduced -13.2k	-13,230 -74.2%
90	BANK AMERICA CORP COM BAC	BAC	6,618	$313.2k0.03%	0.03%	Reduced -724	-724 -9.9%
91	CISCO SYS INC COM CSCO	CSCO	4,502	$312.3k0.03%	0.03%	Reduced -510	-510 -10.2%
92	TRANE TECHNOLOGIES PLC SHS TT	TT	710	$310.6k0.03%	0.03%	Added +32	+32 4.7%
93	WALMART INC COM WMT	WMT	2,997	$293.0k0.03%	0.03%	Unchanged
94	AUTOMATIC DATA PROCESSING IN COM ADP	ADP	937	$289.0k0.03%	0.03%	Added +1	+1 0.1%
95	ISHARES TR RUS MID CAP ETF IWR	IWR	3,129	$287.8k0.03%	0.03%	Added +114	+114 3.8%
96	RTX CORPORATION COM RTX	RTX	1,920	$280.4k0.03%	0.03%	Added +34	+34 1.8%
97	ISHARES TR SELECT DIVID ETF DVY	DVY	2,064	$274.1k0.03%	0.03%	Reduced -25	-25 -1.2%
98	VANGUARD INDEX FDS EXTEND MKT ETF VXF	VXF	1,390	$268.0k0.03%	0.03%	Added +105	+105 8.2%
99	BOEING CO COM BA	BA	1,263	$264.6k0.03%	0.03%	Reduced -1	-1 -0.1%
100	INVESCO EXCH TRADED FD TR II S&P 500 REVENUE RWL	RWL	2,521	$262.9k0.03%	0.03%	New

Sold out since Q1 2025

Security	Ticker	Shares held before	Value then
BOSTON SCIENTIFIC CORP BSX	BSX	9,388	$947.1k9.4k shares
ISHARES TR IJH	IJH	4,593	$268.0k4.6k shares
CVS HEALTH CORP CVS	CVS	3,828	$259.3k3.8k shares
THERMO FISHER SCIENTIFIC INC TMO	TMO	512	$254.8k512 shares
VANGUARD CHARLOTTE FDS BNDX	BNDX	4,819	$235.3k4.8k shares
INVESCO EXCH TRADED FD TR II SPLV	SPLV	2,684	$200.5k2.7k shares