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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 Q4 2025 · Filed February 2, 2026 · Accession 0001172661-26-000428

Total Value
$1.20B
Positions
126
Other Managers
0
Confidential Omitted
No
View on SEC.gov

Holdings (126)

#IssuerTicker / CUSIPSharesValue% of Filing
1VANGUARD SCOTTSDALE FDS92206C7065,202,760$311.8M26.03%
2ISHARES TR46435G3263,278,313$270.4M22.57%
3DIMENSIONAL ETF TRUST25434V7084,520,404$179.0M14.94%
4J P MORGAN EXCHANGE TRADED F46641Q1592,848,628$131.9M11.01%
5DIMENSIONAL ETF TRUST25434V7321,741,258$57.6M4.81%
6ISHARES TR464288521867,698$49.4M4.13%
7AMERICAN CENTY ETF TR025072877195,964$20.0M1.67%
8ISHARES TR464287150122,164$18.2M1.52%
9DIMENSIONAL ETF TRUST25434V716364,066$15.8M1.32%
10J P MORGAN EXCHANGE TRADED F46641Q837255,596$12.9M1.08%
11APPLE INCAAPL39,019$10.6M0.89%
12ISHARES TR46428722683,382$8.3M0.70%
13DIMENSIONAL ETF TRUST25434V690178,466$7.6M0.64%
14DIMENSIONAL ETF TRUST25434V203133,568$5.1M0.42%
15NVIDIA CORPORATIONNVDA24,012$4.5M0.37%
16MICROSOFT CORPMSFT8,267$4.0M0.33%
17VANGUARD INDEX FDS92290876911,466$3.8M0.32%
18ISHARES INC46434G10349,274$3.3M0.28%
19DIMENSIONAL ETF TRUST25434V30298,200$3.2M0.27%
20DIMENSIONAL ETF TRUST25434V74082,590$2.8M0.23%
21DIMENSIONAL ETF TRUST25434V68259,733$2.5M0.21%
22VANGUARD INDEX FDS9229083633,828$2.4M0.20%
23ISHARES TR4642872003,422$2.3M0.20%
24VANGUARD INDEX FDS9229087364,617$2.3M0.19%
25ISHARES TR46428730917,172$2.1M0.18%
26BROADCOM INCAVGO6,035$2.1M0.17%
27PROCTER AND GAMBLE CO74271810914,271$2.0M0.17%
28ISHARES TR4642876895,232$2.0M0.17%
29SPDR S&P 500 ETF TRSPY2,928$2.0M0.17%
30ELI LILLY & COLLY1,800$1.9M0.16%
31ISHARES TR4642876143,854$1.8M0.15%
32JOHNSON & JOHNSONJNJ8,783$1.8M0.15%
33ISHARES TR4642874088,411$1.8M0.15%
34INTERNATIONAL BUSINESS MACHSINTR5,630$1.7M0.14%
35EXXON MOBIL CORPXOM12,384$1.5M0.12%
36COCA COLA COKO20,995$1.5M0.12%
37BERKSHIRE HATHAWAY INC DELBRK-A2,829$1.4M0.12%
38ALPHABET INCGOOG4,428$1.4M0.12%
39AMAZON COM INCAMZN5,503$1.3M0.11%
40COSTCO WHSL CORP NEW22160K1051,458$1.3M0.10%
41VANGUARD TAX-MANAGED FDS92194385819,673$1.2M0.10%
42MCDONALDS CORPMCD3,913$1.2M0.10%
43APPLIED MATLS INC0382221054,517$1.2M0.10%
44AMERICAN CENTY ETF TR0250728859,459$1.1M0.09%
45TJX COS INC NEW8725401096,662$1.0M0.09%
46VANGUARD BD INDEX FDS92193783513,655$1.0M0.08%
47VANGUARD MUN BD FDS92290774619,303$970,7480.08%
48ALPHABET INCGOOG3,061$958,0930.08%
49NEXTERA ENERGY INCNEE-PW11,811$948,1880.08%
50JPMORGAN CHASE & CO.VYLD2,646$852,5950.07%
51SPDR SERIES TRUST78464A7636,015$837,0480.07%
52VANGUARD INDEX FDS9229087444,342$829,3720.07%
53VANGUARD SPECIALIZED FUNDS9219088443,574$785,4280.07%
54WISDOMTREE TRWT5,363$773,1840.06%
55ABBVIE INCABBV3,381$772,5250.06%
56ISHARES TR4642876221,974$737,1710.06%
57ISHARES TR4642876713,953$663,8670.06%
58VANGUARD INDEX FDS9229086292,241$650,3840.05%
59EVERSOURCE ENERGYES9,260$623,4760.05%
60SCHWAB STRATEGIC TR80852420122,274$599,3940.05%
61MERCK & CO INCMRK5,450$573,6670.05%
62SPDR GOLD TRGLD1,433$567,9130.05%
63ISHARES TR46428811713,546$564,3270.05%
64SCHWAB STRATEGIC TR80852410221,228$556,8120.05%
65MANULIFE FINL CORP56501R10615,107$548,0820.05%
66AMERICAN EXPRESS COAXP1,469$543,4570.05%
67HOME DEPOT INCHD1,552$534,0310.04%
68VANGUARD WORLD FD92204A702702$529,1540.04%
69VISA INCV1,506$528,1700.04%
70CATERPILLAR INCCAT919$526,4680.04%
71ISHARES TR46432F8425,588$499,9030.04%
72ISHARES GOLD TRIAU6,146$498,8710.04%
73ISHARES TR4642884144,572$489,7070.04%
74ISHARES TR4642875982,306$485,0450.04%
75ABBOTT LABSABLZF3,786$474,3480.04%
76META PLATFORMS INCMETA718$473,9450.04%
77CHEVRON CORP NEWCVX3,029$461,6500.04%
78ANALOG DEVICES INCADI1,668$452,2820.04%
79ISHARES TR4642876551,766$434,6270.04%
80DIMENSIONAL ETF TRUST25434V8078,646$431,4440.04%
81SSGA ACTIVE ETF TR78467V84810,521$423,4710.04%
82INVESCO QQQ TRIVZ689$423,2600.04%
83TRIMBLE INCTRMB5,344$418,7030.03%
84AIRJOULE TECHNOLOGIES CORPAIRJW97,806$385,3560.03%
85SCHWAB STRATEGIC TR80852484717,836$372,5950.03%
86SPDR SERIES TRUST78464A67212,902$372,0940.03%
87WALMART INCWMT3,144$350,2740.03%
88VANGUARD STAR FDS9219097684,536$342,2050.03%
89TEXAS PACIFIC LAND CORPORATITPL1,188$341,2180.03%
90UNITEDHEALTH GROUP INCUNH1,010$333,4120.03%
91VANGUARD INTL EQUITY INDEX F9220428586,083$327,0230.03%
92AMERICAN CENTY ETF TR0250727033,970$326,8160.03%
93ISHARES TR4642881254,252$319,9210.03%
94QUALCOMM INCQCOM1,833$313,5570.03%
95PURE STORAGE INC74624M1024,523$303,0870.03%
96GE AEROSPACE369604301978$301,2540.03%
97BANK AMERICA CORP0605051045,458$300,1790.03%
98RTX CORPORATIONRTX1,601$293,6240.02%
99ISHARES TR4642871682,064$291,3130.02%
100VANGUARD INDEX FDS9229086521,391$290,8290.02%
101BOSTON SCIENTIFIC CORPBSX3,031$289,0060.02%
102VANGUARD WHITEHALL FDS9219464061,953$280,2260.02%
103IDEXX LABS INC45168D104409$276,7010.02%
104AFLAC INCAFL2,428$267,7450.02%
105ISHARES TR4642874992,677$257,7150.02%
106CISCO SYS INCCSCO3,336$256,9730.02%
107TRANE TECHNOLOGIES PLCTT657$255,7050.02%
108VANGUARD INTL EQUITY INDEX F9220427421,755$247,5920.02%
109AT&T INCT-PC9,879$245,4030.02%
110ISHARES TR464287101711$243,8520.02%
111VANGUARD WORLD FD92204A8761,314$243,1430.02%
112SELECT SECTOR SPDR TR81369Y8031,634$235,2470.02%
113AUTOMATIC DATA PROCESSING INADP914$235,1090.02%
114LOWES COS INC548661107967$233,2020.02%
115INVESCO EXCH TRADED FD TR IIIVZ1,996$228,5420.02%
116ISHARES TR4642878041,859$223,4150.02%
117VERIZON COMMUNICATIONS INCVZ5,447$221,8570.02%
118SCHWAB STRATEGIC TR8085247977,938$217,7400.02%
1193M COMMM1,327$212,4530.02%
120ORACLE CORPORCL-PD1,090$212,4520.02%
121VANGUARD WORLD FD921910816509$210,1000.02%
122UNION PAC CORPUNP907$209,8080.02%
123THERMO FISHER SCIENTIFIC INCTMO362$209,7610.02%
124ISHARES TR4642875073,141$207,3060.02%
125TEXAS INSTRS INC8825081041,167$202,4630.02%
126ROYCE MICRO-CAP TR INCRMT10,101$105,3540.01%