Heritage Oak Wealth Advisors LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 20, 2025), Heritage Oak Wealth Advisors LLC reported 84 stock positions worth $270.0 million. Its top holding was Walmart (WMT) at 35.1% of the portfolio, followed by JPMorgan Ultra-Short Income (JPST, 8.4%) and SS SPDR BB 1-3M T-Bill ETF (BIL, 6.9%). Compared with Q2 2025, it opened 17 new positions, sold out of 5, added to 28 and reduced 35. The biggest buy was SS SPDR BB 1-3M T-Bill ETF (BIL, shares +83%) and the biggest sale Walmart (WMT, shares −5%).
- Most Recent 13F
- Q2 2026
- Location
- SANTA ROSA BEACH, FL
- CIK
- 0002035533
- Portfolio Value
- $270.0M (Q3 2025)
- SEC Filing
- 0002035533-25-000006 ↗ filed Oct 20, 2025
Holdings Value
Holdings 84 stocks · $270.0M
| WMT Walmart Inc. | 35.10% | 919,676 | $94.8M | Reduce -4.8% |
| JPST JPMorgan Ultra-Short Income | 8.37% | 445,557 | $22.6M | Add +2.4% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 6.88% | 202,410 | $18.6M | Add +82.9% |
| QQQ Invesco QQQ Trust Series 1 | 6.46% | 29,036 | $17.4M | Add +1.1% |
| CORZ Core Scientific Inc. | 5.01% | 753,516 | $13.5M | Reduce -0.0% |
| KHPI Kensington Hedged PRM in ETF filed as MANAGED PORTFOLIO SERIES | 4.56% | 482,026 | $12.3M | Add +2.0% |
| BKHY BNY Mellon High Yield ETF | 1.64% | 91,149 | $4.4M | Add +51.6% |
| ITOT iShares Core S&P Total U.S. | 1.57% | 29,054 | $4.2M | Add +2.5% |
| AAPL Apple Inc. | 1.50% | 15,917 | $4.1M | Add +1.3% |
| FLHY Franklin High Yield Corporat | 1.48% | 162,539 | $4.0M | Add +25.6% |
| TMB Thornburg Multi Sector B ETF | 1.47% | 155,236 | $4.0M | Add +236.5% |
| GLD SPDR Gold Shares | 1.47% | 11,181 | $4.0M | Reduce -18.9% |
| HYLB Xtrackers Usd High Yield Cor | 1.39% | 101,302 | $3.8M | Add +1.6% |
| USHY iShares Broad Usd High Yield | 1.33% | 95,262 | $3.6M | Add +2.9% |
| YOLO Advisorshares Pure Cannabis | 1.21% | 923,064 | $3.3M | Reduce -1.2% |
| XME SS SPDR S&P Metals Mining | 1.12% | 32,403 | $3.0M | Reduce -14.1% |
| PLNT Planet Fitness Inc. Class A | 1.05% | 27,350 | $2.8M | No change |
| ITA iShares U.S. Aerospace & Def | 0.97% | 12,489 | $2.6M | Add +22.6% |
| IAI iShares U.S. Broker-Dealers | 0.96% | 14,622 | $2.6M | Reduce -2.1% |
| SGOV iShares 0-3 Month Treasury B | 0.88% | 23,719 | $2.4M | Reduce -2.3% |
| XLK SS Technology Select Sector | 0.86% | 8,223 | $2.3M | Add +22.9% |
| SPHY SS SPDR P High Yield ETF | 0.86% | 96,735 | $2.3M | Add +3.3% |
| MSMR M/S Managed Risk ETF | 0.82% | 65,311 | $2.2M | Reduce -67.9% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.78% | 48,401 | $2.1M | Reduce -1.0% |
| SMH Vaneck Semiconductor ETF | 0.69% | 5,709 | $1.9M | Reduce -1.6% |
| SJNK SS SPDR BB St Hi Yield ETF | 0.67% | 70,612 | $1.8M | Reduce -1.1% |
| XOP SS SPDR S&P Og Exp & Prod | 0.67% | 13,621 | $1.8M | Reduce -13.8% |
| IBIT iShares Bitcoin Trust ETF | 0.57% | 23,871 | $1.6M | Add +21.2% |
| PEP Pepsico Inc. | 0.51% | 9,765 | $1.4M | Reduce -1.4% |
| GRID First TRST Nasd Class Edg Sgiif | 0.48% | 8,522 | $1.3M | Reduce -1.3% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.44% | 14,529 | $1.2M | Reduce -77.9% |
| TSLA Tesla Inc. | 0.43% | 2,633 | $1.2M | Add +112.7% |
| AMZN Amazon.com Inc. | 0.42% | 5,220 | $1.1M | Add +32.9% |
| TPYP Tortoise North American Pipe | 0.42% | 30,817 | $1.1M | Add +2.5% |
| DSTL Distillate US Fundamental St | 0.39% | 18,286 | $1.1M | Reduce -3.1% |
| HUM Humana Inc. | 0.32% | 3,316 | $863K | Reduce -47.3% |
| MSFT Microsoft Corp. | 0.29% | 1,526 | $790K | Add +5.8% |
| NVDA Nvidia Corp. | 0.29% | 4,234 | $790K | Add +5.2% |
| URA Global X Uranium ETF | 0.29% | 16,475 | $785K | New |
| BRK.A Berkshire Hathaway Inc. Class A | 0.28% | 1 | $754K | New |
| SCHB Schwab US Broad Market ETF | 0.20% | 21,471 | $552K | Reduce -0.8% |
| CLOI Vaneck Clo ETF | 0.20% | 10,040 | $533K | Reduce -16.2% |
| FLBL Franklin Senior Loan ETF | 0.19% | 21,813 | $524K | Reduce -16.2% |
| MA Mastercard Inc. Class A | 0.19% | 908 | $516K | Add +1.0% |
| SCHD Schwab US DVD Equity ETF | 0.18% | 17,443 | $476K | Add +1.7% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.17% | 936 | $471K | Add +109.9% |
| SHV iShares 0-1 Year Treasury Bo | 0.17% | 4,135 | $457K | Reduce -2.4% |
| XLI SS Industrial Select Sector | 0.17% | 2,962 | $457K | New |
| NFLX Netflix Inc. | 0.17% | 374 | $448K | Reduce -5.8% |
| MINT PIMCO Enhanced Short Maturit | 0.17% | 4,446 | $448K | Reduce -7.5% |
| IEF iShares 7-10 Year Treasury B | 0.16% | 4,467 | $431K | Reduce -15.8% |
| DLN Wisdomtree US Largecap Divid | 0.16% | 4,868 | $424K | Reduce -4.7% |
| IVV iShares Core S&P 500 ETF | 0.16% | 628 | $420K | Add +15.4% |
| GOOGL Alphabet Inc. Class A | 0.15% | 1,698 | $413K | Reduce -2.1% |
| PLTR Palantir Technologies Inc. Class A | 0.15% | 2,186 | $399K | New |
| SCHZ Schwab US Aggregate Bond ETF | 0.15% | 16,778 | $394K | Add +1.9% |
| QQQM Invesco Nasdaq 100 ETF | 0.13% | 1,402 | $346K | Add +18.8% |
| HOOD Robinhood Markets Inc. Class A | 0.12% | 2,321 | $332K | New |
| MUB iShares National Muni Bond E | 0.12% | 2,972 | $316K | No change |
| PAVE Global X US Infrastructure | 0.11% | 6,451 | $307K | Reduce -15.7% |
| JNJ Johnson & Johnson | 0.11% | 1,639 | $304K | Add +3.5% |
| JAAA Janus Henderson Aaa Clo ETF | 0.11% | 5,982 | $304K | Reduce -13.6% |
| BKCH Global X Blockchain ETF | 0.11% | 3,495 | $302K | New |
| META Meta Platforms Inc. Class A | 0.11% | 401 | $294K | Reduce -1.2% |
| AVGO Broadcom Inc. | 0.10% | 837 | $276K | Add +4.4% |
| POWR iShares US Power Infrastruct | 0.10% | 10,879 | $273K | Reduce -77.3% |
| IXN iShares Global Tech ETF | 0.09% | 2,459 | $254K | New |
| MSOS Advisorshares Pure US Cann | 0.09% | 52,472 | $251K | Reduce -2.2% |
| DDEC FT Vest U.S. Equity Deep Buf | 0.09% | 5,728 | $251K | No change |
| DSEP FT Vest U.S. Equity Deep Buf | 0.09% | 5,666 | $250K | No change |
| BKLN Invesco Senior Loan ETF | 0.09% | 11,833 | $248K | Reduce -15.6% |
| SSUS Day Hagan Smart Sector ETF filed as STRATEGY SHS | 0.09% | 5,082 | $245K | Reduce -22.1% |
| MBB iShares MBS ETF | 0.09% | 2,569 | $244K | Reduce -18.5% |
| IYW iShares Ustechnology ETF | 0.09% | 1,232 | $241K | New |
| GOOG Alphabet Inc. Class C | 0.08% | 922 | $225K | New |
| JPM JPMorgan Chase & Co. | 0.08% | 694 | $219K | New |
| SPHB Invesco S&P 500 High Beta Et | 0.08% | 1,973 | $217K | New |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.07% | 1,083 | $202K | Reduce -4.6% |
| SCHF Schwab Intl Equity ETF | 0.07% | 8,666 | $202K | New |
| PL Planet Labs PBC | 0.05% | 10,000 | $130K | New |
| EOSE Eos Energy Enterprises Inc. | 0.04% | 10,000 | $114K | New |
| EOS ENERGY ENTERPRISES INC | 0.02% | 300 | $46K | New |
| ISHARES ETHEREUM TR | 0.01% | 100 | $23K | New |
| DRAGANFLY INC. | 0.01% | 100 | $16K | New |
Other holdings (1): bonds, preferreds, convertibles and warrants · $5.2M (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| CORZW Core Scientific Inc. - 27 | *W EXP 01/23/202 | 443,457 | $5.2M | Reduce -0.0% |
Total filed on the 13F, all lines: $275.2M.
Portfolio Sells Q2 2025 → Q3 2025
| WMT Walmart Inc. | Reduce -4.8% | 35.10% | −2.08 |
| MSMR M/S Managed Risk ETF | Reduce -67.9% | 0.82% | −1.66 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Reduce -77.9% | 0.44% | −1.65 |
| JPIE JPMorgan Income ETF | Sold out | 0.00% | −0.51 |
| POWR iShares US Power Infrastruct | Reduce -77.3% | 0.10% | −0.35 |
| HUM Humana Inc. | Reduce -47.3% | 0.32% | −0.29 |
| SHY iShares 1-3 Year Treasury Bo | Sold out | 0.00% | −0.25 |
| GLD SPDR Gold Shares | Reduce -18.9% | 1.47% | −0.18 |
| USDU Wisdomtree BBG Usd Bullish | Sold out | 0.00% | −0.18 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | Sold out | 0.00% | −0.12 |
| XOP SS SPDR S&P Og Exp & Prod | Reduce -13.8% | 0.67% | −0.12 |
| SGOV iShares 0-3 Month Treasury B | Reduce -2.3% | 0.88% | −0.08 |
| CORZ Core Scientific Inc. | Reduce -0.0% | 5.01% | −0.06 |
| FLBL Franklin Senior Loan ETF | Reduce -16.2% | 0.19% | −0.05 |
| SHYG iShares 0-5 YR HY Corp. Bond | Reduce -1.0% | 0.78% | −0.05 |
| CLOI Vaneck Clo ETF | Reduce -16.2% | 0.20% | −0.05 |
| SJNK SS SPDR BB St Hi Yield ETF | Reduce -1.1% | 0.67% | −0.05 |
| NFLX Netflix Inc. | Reduce -5.8% | 0.17% | −0.04 |
| IEF iShares 7-10 Year Treasury B | Reduce -15.8% | 0.16% | −0.04 |
| IAI iShares U.S. Broker-Dealers | Reduce -2.1% | 0.96% | −0.04 |
| MBB iShares MBS ETF | Reduce -18.5% | 0.09% | −0.03 |
| JAAA Janus Henderson Aaa Clo ETF | Reduce -13.6% | 0.11% | −0.03 |
| SSUS Day Hagan Smart Sector ETF | Reduce -22.1% | 0.09% | −0.02 |
| MINT PIMCO Enhanced Short Maturit | Reduce -7.5% | 0.17% | −0.02 |
| BKLN Invesco Senior Loan ETF | Reduce -15.6% | 0.09% | −0.02 |
| DSTL Distillate US Fundamental St | Reduce -3.1% | 0.39% | −0.02 |
| PAVE Global X US Infrastructure | Reduce -15.7% | 0.11% | −0.02 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -2.4% | 0.17% | −0.01 |
| META Meta Platforms Inc. Class A | Reduce -1.2% | 0.11% | −0.01 |
| DLN Wisdomtree US Largecap Divid | Reduce -4.7% | 0.16% | −0.01 |
| ONDS Ondas Inc. | Sold out | 0.00% | −0.01 |
| PEP Pepsico Inc. | Reduce -1.4% | 0.51% | −0.01 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -4.6% | 0.07% | −0.00 |
| SCHB Schwab US Broad Market ETF | Reduce -0.8% | 0.20% | +0.00 |
| GRID First TRST Nasd Class Edg Sgiif | Reduce -1.3% | 0.48% | +0.00 |
| GOOGL Alphabet Inc. Class A | Reduce -2.1% | 0.15% | +0.03 |
| MSOS Advisorshares Pure US Cann | Reduce -2.2% | 0.09% | +0.04 |
| SMH Vaneck Semiconductor ETF | Reduce -1.6% | 0.69% | +0.05 |
| XME SS SPDR S&P Metals Mining | Reduce -14.1% | 1.12% | +0.12 |
| YOLO Advisorshares Pure Cannabis | Reduce -1.2% | 1.21% | +0.51 |
Portfolio Buys Q2 2025 → Q3 2025
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +82.9% | 6.88% | +2.88 |
| TMB Thornburg Multi Sector B ETF | Add +236.5% | 1.47% | +1.01 |
| BKHY BNY Mellon High Yield ETF | Add +51.6% | 1.64% | +0.50 |
| URA Global X Uranium ETF | New | 0.29% | +0.29 |
| BRK.A Berkshire Hathaway Inc. Class A | New | 0.28% | +0.28 |
| TSLA Tesla Inc. | Add +112.7% | 0.43% | +0.28 |
| FLHY Franklin High Yield Corporat | Add +25.6% | 1.48% | +0.24 |
| AAPL Apple Inc. | Add +1.3% | 1.50% | +0.23 |
| QQQ Invesco QQQ Trust Series 1 | Add +1.1% | 6.46% | +0.22 |
| ITA iShares U.S. Aerospace & Def | Add +22.6% | 0.97% | +0.21 |
| XLK SS Technology Select Sector | Add +22.9% | 0.86% | +0.19 |
| XLI SS Industrial Select Sector | New | 0.17% | +0.17 |
| PLTR Palantir Technologies Inc. Class A | New | 0.15% | +0.15 |
| HOOD Robinhood Markets Inc. Class A | New | 0.12% | +0.12 |
| BKCH Global X Blockchain ETF | New | 0.11% | +0.11 |
| IBIT iShares Bitcoin Trust ETF | Add +21.2% | 0.57% | +0.10 |
| IXN iShares Global Tech ETF | New | 0.09% | +0.09 |
| IYW iShares Ustechnology ETF | New | 0.09% | +0.09 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +109.9% | 0.17% | +0.09 |
| AMZN Amazon.com Inc. | Add +32.9% | 0.42% | +0.09 |
| GOOG Alphabet Inc. Class C | New | 0.08% | +0.08 |
| JPM JPMorgan Chase & Co. | New | 0.08% | +0.08 |
| SPHB Invesco S&P 500 High Beta Et | New | 0.08% | +0.08 |
| SCHF Schwab Intl Equity ETF | New | 0.07% | +0.07 |
| ITOT iShares Core S&P Total U.S. | Add +2.5% | 1.57% | +0.06 |
| PL Planet Labs PBC | New | 0.05% | +0.05 |
| NVDA Nvidia Corp. | Add +5.2% | 0.29% | +0.04 |
| EOSE Eos Energy Enterprises Inc. | New | 0.04% | +0.04 |
| QQQM Invesco Nasdaq 100 ETF | Add +18.8% | 0.13% | +0.02 |
| IVV iShares Core S&P 500 ETF | Add +15.4% | 0.16% | +0.02 |
| JNJ Johnson & Johnson | Add +3.5% | 0.11% | +0.02 |
| EOS ENERGY ENTERPRISES INC | New | 0.02% | +0.02 |
| AVGO Broadcom Inc. | Add +4.4% | 0.10% | +0.02 |
| MSFT Microsoft Corp. | Add +5.8% | 0.29% | +0.01 |
| ISHARES ETHEREUM TR | New | 0.01% | +0.01 |
| DRAGANFLY INC. | New | 0.01% | +0.01 |
| SCHD Schwab US DVD Equity ETF | Add +1.7% | 0.18% | −0.00 |
| SCHZ Schwab US Aggregate Bond ETF | Add +1.9% | 0.15% | −0.00 |
| TPYP Tortoise North American Pipe | Add +2.5% | 0.42% | −0.01 |
| MA Mastercard Inc. Class A | Add +1.0% | 0.19% | −0.01 |
| SPHY SS SPDR P High Yield ETF | Add +3.3% | 0.86% | −0.02 |
| USHY iShares Broad Usd High Yield | Add +2.9% | 1.33% | −0.03 |
| HYLB Xtrackers Usd High Yield Cor | Add +1.6% | 1.39% | −0.06 |
| KHPI Kensington Hedged PRM in ETF | Add +2.0% | 4.56% | −0.14 |
| JPST JPMorgan Ultra-Short Income | Add +2.4% | 8.37% | −0.31 |
Notes & Other Activity Q2 2025 → Q3 2025
| CORZW Core Scientific Inc. - 27 | *W EXP 01/23/202 | Reduce -0.0% | 443,457 | $5.2M |
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 100 | $337.8M | WMT, BIL, IEF, JPST, KHPI |
| Q1 2026 | 73 | $314.7M | WMT, BIL, SHY, KHPI, JPST |
| Q4 2025 | 79 | $270.5M | WMT, BIL, QQQ, JPST, KHPI |
| Q3 2025 | 84 | $270.0M | WMT, JPST, BIL, QQQ, CORZ |
| Q2 2025 | 72 | $254.1M | WMT, JPST, QQQ, CORZ, KHPI |
| Q1 2025 | 68 | $226.3M | WMT, JPST, IEF, KHPI, GLD |
| Q4 2024 | 75 | $209.3M | WMT, JPST, BIL, SGOV, CORZ |
| Q3 2024 | 149 | $217.1M | WMT, SPY, GAPR, QQQ, FYC |
| Q2 2024 | 86 | $190.9M | WMT, JPST, MINT, BIL, PULS |