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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

Heritage Financial Services, LLC

Quarter ended Q2 2025 · Filed July 18, 2025 · Accession 0001172661-25-002648

Total Value
$1.04B
Positions
125
Other Managers
0
Confidential Omitted
No
View on SEC.gov

Holdings (125)

#IssuerTicker / CUSIPSharesValue% of Filing
1VANGUARD SCOTTSDALE FDS92206C7064,225,407$252.7M24.32%
2ISHARES TR46435G3263,150,680$239.6M23.05%
3DIMENSIONAL ETF TRUST25434V7084,672,759$167.5M16.12%
4J P MORGAN EXCHANGE TRADED F46641Q1592,205,824$102.2M9.83%
5DIMENSIONAL ETF TRUST25434V7321,826,125$54.2M5.22%
6ISHARES TR464288521738,880$41.8M4.02%
7ISHARES TR464287150133,906$18.1M1.74%
8AMERICAN CENTY ETF TR025072877168,026$15.3M1.47%
9DIMENSIONAL ETF TRUST25434V716339,438$13.3M1.28%
10J P MORGAN EXCHANGE TRADED F46641Q837256,231$13.0M1.25%
11APPLE INCAAPL40,720$8.4M0.80%
12ISHARES TR46428722668,934$6.8M0.66%
13DIMENSIONAL ETF TRUST25434V690173,376$6.8M0.66%
14NVIDIA CORPORATIONNVDA42,092$6.7M0.64%
15MICROSOFT CORPMSFT9,212$4.6M0.44%
16DIMENSIONAL ETF TRUST25434V203115,145$4.0M0.38%
17VANGUARD INDEX FDS92290876912,107$3.7M0.35%
18ISHARES INC46434G10357,987$3.5M0.33%
19DIMENSIONAL ETF TRUST25434V74086,021$2.6M0.25%
20DIMENSIONAL ETF TRUST25434V30282,941$2.4M0.23%
21DIMENSIONAL ETF TRUST25434V68260,784$2.3M0.22%
22PROCTER AND GAMBLE CO74271810914,438$2.3M0.22%
23VANGUARD INDEX FDS9229083634,017$2.3M0.22%
24ISHARES TR4642872003,562$2.2M0.21%
25ISHARES TR46428730919,063$2.1M0.20%
26BROADCOM INCAVGO7,331$2.0M0.19%
27VANGUARD INDEX FDS9229087364,541$2.0M0.19%
28ISHARES TR4642876895,537$1.9M0.19%
29SPDR S&P 500 ETF TRSPY2,886$1.8M0.17%
30MCDONALDS CORPMCD5,685$1.7M0.16%
31ISHARES TR4642874088,464$1.7M0.16%
32ISHARES TR4642876143,790$1.6M0.15%
33COCA COLA COKO20,757$1.5M0.14%
34ELI LILLY & COLLY1,858$1.4M0.14%
35COSTCO WHSL CORP NEW22160K1051,457$1.4M0.14%
36INTERNATIONAL BUSINESS MACHSINTR4,837$1.4M0.14%
37AMAZON COM INCAMZN6,307$1.4M0.13%
38BERKSHIRE HATHAWAY INC DELBRK-A2,848$1.4M0.13%
39JOHNSON & JOHNSONJNJ8,972$1.4M0.13%
40EXXON MOBIL CORPXOM12,107$1.3M0.13%
41VANGUARD TAX-MANAGED FDS92194385821,531$1.2M0.12%
42VANGUARD BD INDEX FDS92193783513,490$993,2690.10%
43VANGUARD MUN BD FDS92290774619,461$954,1730.09%
44VISA INCV2,450$869,8730.08%
45TJX COS INC NEW8725401096,924$855,0450.08%
46ALPHABET INCGOOG4,697$833,2030.08%
47SPDR SERIES TRUST78464A7636,085$825,9180.08%
48APPLIED MATLS INC0382221054,505$824,8030.08%
49NEXTERA ENERGY INCNEE-PW11,805$819,5040.08%
50MERCK & CO INCMRK9,498$751,8620.07%
51ANALOG DEVICES INCADI3,154$750,6450.07%
52JPMORGAN CHASE & CO.VYLD2,489$721,5860.07%
53VANGUARD SPECIALIZED FUNDS9219088443,481$712,3950.07%
54VANGUARD INDEX FDS9229087444,006$707,9840.07%
55VANGUARD INDEX FDS9229086292,419$676,9090.07%
56META PLATFORMS INCMETA875$645,8290.06%
57WISDOMTREE TRWT5,536$632,6420.06%
58ABBVIE INCABBV3,373$626,0970.06%
59ISHARES TR4642876221,799$610,8870.06%
60EVERSOURCE ENERGYES9,432$600,0640.06%
61ISHARES TR4642876713,953$594,5320.06%
62PAYCHEX INCPAYX3,932$571,9490.06%
63HOME DEPOT INCHD1,553$569,2720.05%
64ALPHABET INCGOOG3,204$564,6420.05%
65AMERICAN CENTY ETF TR0250728855,573$561,8700.05%
66SCHWAB STRATEGIC TR80852420122,274$544,3770.05%
67SCHWAB STRATEGIC TR80852410221,765$518,6610.05%
68ABBOTT LABSABLZF3,756$510,8540.05%
69VANGUARD WORLD FD92204A702765$507,4100.05%
70MANULIFE FINL CORP56501R10615,107$482,8200.05%
71AMERICAN EXPRESS COAXP1,500$478,4700.05%
72ISHARES TR4642884144,567$477,1610.05%
73INVESCO QQQ TRIVZ851$469,4460.05%
74ISHARES TR4642875982,306$447,8950.04%
75ISHARES TR46432F8425,330$444,9490.04%
76CHEVRON CORP NEWCVX3,016$431,8620.04%
77SSGA ACTIVE ETF TR78467V84810,521$421,9980.04%
78TRIMBLE INCTRMB5,341$405,8100.04%
79AT&T INCT-PC13,899$402,2470.04%
80SCHWAB STRATEGIC TR80852484718,538$392,2650.04%
81VERIZON COMMUNICATIONS INCVZ8,911$385,5790.04%
82ISHARES TR4642876551,785$385,1050.04%
83QUALCOMM INCQCOM2,341$372,8490.04%
84SPDR SERIES TRUST78464A67212,902$371,1910.04%
85DIMENSIONAL ETF TRUST25434V8078,646$370,3240.04%
86CATERPILLAR INCCAT909$352,8830.03%
87VANGUARD INTL EQUITY INDEX F9220428586,924$342,4620.03%
88UNITEDHEALTH GROUP INCUNH1,070$333,8080.03%
89VANGUARD STAR FDS9219097684,599$317,7510.03%
90BANK AMERICA CORP0605051046,618$313,1540.03%
91CISCO SYS INCCSCO4,502$312,3490.03%
92TRANE TECHNOLOGIES PLCTT710$310,5620.03%
93WALMART INCWMT2,997$293,0470.03%
94AUTOMATIC DATA PROCESSING INADP937$288,9710.03%
95ISHARES TR4642874993,129$287,7750.03%
96RTX CORPORATIONRTX1,920$280,3590.03%
97ISHARES TR4642871682,064$274,1200.03%
98VANGUARD INDEX FDS9229086521,390$267,9510.03%
99BOEING COBA-PA1,263$264,6370.03%
100INVESCO EXCH TRADED FD TR IIIVZ2,521$262,9160.03%
101PURE STORAGE INC74624M1024,522$260,3770.03%
102TEXAS PACIFIC LAND CORPORATITPL246$259,8720.03%
103AFLAC INCAFL2,414$254,5900.02%
104GE AEROSPACE369604301984$253,2720.02%
105LOWES COS INC5486611071,137$252,2720.02%
106HONEYWELL INTL INC4385161061,041$242,4290.02%
107THE CIGNA GROUP125523100733$242,3160.02%
108VANGUARD WHITEHALL FDS9219464061,749$233,0970.02%
109AMGEN INCAMGN834$232,8620.02%
110VANGUARD WORLD FD92204A8761,314$231,9350.02%
111ISHARES TR4642878042,105$230,0560.02%
112VANGUARD INTL EQUITY INDEX F9220427421,764$226,6750.02%
113EATON CORP PLCETN634$226,3320.02%
114IDEXX LABS INC45168D104411$220,4360.02%
115ADVANCED MICRO DEVICES INCAMD1,544$219,0940.02%
116SCHWAB STRATEGIC TR8085247978,038$213,0070.02%
117SCHWAB STRATEGIC TR8085247148,290$205,6750.02%
118TEXAS INSTRS INC882508104982$203,8830.02%
119ROPER TECHNOLOGIES INCROP359$203,4960.02%
120UNION PAC CORPUNP883$203,1610.02%
121CABOT CORPCBT2,707$203,0250.02%
1223M COMMM1,327$202,0230.02%
123TRAVELERS COMPANIES INCTRV752$201,1910.02%
124AIRJOULE TECHNOLOGIES CORPAIRJW12,375$57,2970.01%
125VERU INCVERU17,196$10,0050.00%