Heritage Oak Wealth Advisors LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 21, 2026), Heritage Oak Wealth Advisors LLC reported 79 stock positions worth $270.5 million. Its top holding was Walmart (WMT) at 36.3% of the portfolio, followed by SS SPDR BB 1-3M T-Bill ETF (BIL, 8.4%) and Invesco QQQ Trust Series 1 (QQQ, 7.6%). Compared with Q3 2025, it opened 13 new positions, sold out of 18, added to 28 and reduced 32. The biggest buy was a new position in Kensington Credit Opport ETF (KAMO) and the biggest sale an exit from Core Scientific (CORZ).
- Most Recent 13F
- Q2 2026
- Location
- SANTA ROSA BEACH, FL
- CIK
- 0002035533
- Portfolio Value
- $270.5M (Q4 2025)
- SEC Filing
- 0002035533-26-000001 ↗ filed Jan 21, 2026
Holdings Value
Holdings 79 stocks · $270.5M
| WMT Walmart Inc. | 36.25% | 878,404 | $98.1M | Reduce -4.5% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 8.36% | 247,357 | $22.6M | Add +22.2% |
| QQQ Invesco QQQ Trust Series 1 | 7.60% | 33,472 | $20.6M | Add +15.3% |
| JPST JPMorgan Ultra-Short Income | 6.69% | 356,364 | $18.1M | Reduce -20.0% |
| KHPI Kensington Hedged PRM in ETF filed as MANAGED PORTFOLIO SERIES | 5.54% | 580,088 | $15.0M | Add +20.3% |
| KAMO Kensington Credit Opport ETF filed as MANAGED PORTFOLIO SERIES | 4.32% | 466,877 | $11.7M | New |
| ITOT iShares Core S&P Total U.S. | 1.90% | 34,560 | $5.1M | Add +18.9% |
| AAPL Apple Inc. | 1.65% | 16,455 | $4.5M | Add +3.4% |
| GLD SPDR Gold Shares | 1.62% | 11,076 | $4.4M | Reduce -0.9% |
| HYLB Xtrackers Usd High Yield Cor | 1.31% | 96,232 | $3.5M | Reduce -5.0% |
| XME SS SPDR S&P Metals Mining | 1.24% | 32,310 | $3.3M | Reduce -0.3% |
| USHY iShares Broad Usd High Yield | 1.21% | 87,497 | $3.3M | Reduce -8.2% |
| PLNT Planet Fitness Inc. Class A | 1.10% | 27,350 | $3.0M | No change |
| IVV iShares Core S&P 500 ETF | 1.07% | 4,208 | $2.9M | Add +570.1% |
| QQQM Invesco Nasdaq 100 ETF | 0.98% | 10,504 | $2.7M | Add +649.2% |
| IAI iShares U.S. Broker-Dealers | 0.97% | 14,613 | $2.6M | Reduce -0.1% |
| SPHY SS SPDR P High Yield ETF | 0.92% | 105,098 | $2.5M | Add +8.7% |
| SGOV iShares 0-3 Month Treasury B | 0.87% | 23,577 | $2.4M | Reduce -0.6% |
| SMH Vaneck Semiconductor ETF | 0.76% | 5,713 | $2.1M | Add +0.1% |
| YOLO Advisorshares Pure Cannabis | 0.73% | 595,668 | $2.0M | Reduce -35.5% |
| ITA iShares U.S. Aerospace & Def | 0.73% | 9,148 | $2.0M | Reduce -26.8% |
| MSMR M/S Managed Risk ETF | 0.71% | 55,382 | $1.9M | Reduce -15.2% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.70% | 43,991 | $1.9M | Reduce -9.1% |
| XLK SS Technology Select Sector | 0.69% | 12,996 | $1.9M | Reduce -21.0% |
| SJNK SS SPDR BB St Hi Yield ETF | 0.64% | 68,422 | $1.7M | Reduce -3.1% |
| XOP SS SPDR S&P Og Exp & Prod | 0.59% | 12,682 | $1.6M | Reduce -6.9% |
| VONG Vanguard Russell 1000 Growth | 0.54% | 12,065 | $1.5M | New |
| PEP Pepsico Inc. | 0.53% | 9,813 | $1.4M | Add +0.5% |
| GRID First TRST Nasd Class Edg Sgiif | 0.49% | 8,728 | $1.3M | Add +2.4% |
| AMZN Amazon.com Inc. | 0.45% | 5,297 | $1.2M | Add +1.5% |
| IEF iShares 7-10 Year Treasury B | 0.43% | 12,044 | $1.2M | Add +169.6% |
| TPYP Tortoise North American Pipe | 0.43% | 32,485 | $1.2M | Add +5.4% |
| AMD Advanced Micro Devices | 0.41% | 5,185 | $1.1M | New |
| DSTL Distillate US Fundamental St | 0.40% | 18,149 | $1.1M | Reduce -0.8% |
| SPYG SS SPDR P S&P 500 Growth ETF | 0.38% | 9,543 | $1.0M | New |
| HUM Humana Inc. | 0.32% | 3,326 | $855K | Add +0.3% |
| URA Global X Uranium ETF | 0.30% | 19,251 | $823K | Add +16.9% |
| NVDA Nvidia Corp. | 0.30% | 4,322 | $806K | Add +2.1% |
| MSFT Microsoft Corp. | 0.28% | 1,584 | $766K | Add +3.8% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.28% | 1 | $755K | No change |
| IBB iShares Biotechnology ETF | 0.27% | 4,261 | $719K | New |
| TSLA Tesla Inc. | 0.24% | 1,464 | $658K | Reduce -44.4% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.24% | 8,131 | $656K | Reduce -44.0% |
| GOOGL Alphabet Inc. Class A | 0.24% | 2,072 | $649K | Add +22.0% |
| META Meta Platforms Inc. Class A | 0.20% | 828 | $547K | Add +106.5% |
| SCHB Schwab US Broad Market ETF | 0.20% | 20,120 | $528K | Reduce -6.3% |
| MA Mastercard Inc. Class A | 0.19% | 903 | $516K | Reduce -0.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.18% | 952 | $479K | Add +1.7% |
| XLY SS Consumer Disc Select Sect | 0.18% | 3,991 | $477K | New |
| IWM iShares Russell 2000 ETF | 0.18% | 1,933 | $476K | New |
| DLN Wisdomtree US Largecap Divid | 0.17% | 5,360 | $472K | Add +10.1% |
| SCHD Schwab US DVD Equity ETF | 0.17% | 16,819 | $461K | Reduce -3.6% |
| SHV iShares 0-1 Year Treasury Bo | 0.17% | 4,061 | $447K | Reduce -1.8% |
| BKHY BNY Mellon High Yield ETF | 0.16% | 9,205 | $446K | Reduce -89.9% |
| MINT PIMCO Enhanced Short Maturit | 0.16% | 4,307 | $434K | Reduce -3.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.15% | 602 | $412K | New |
| SCHZ Schwab US Aggregate Bond ETF | 0.15% | 17,169 | $401K | Add +2.3% |
| IYH iShares U.S. Healthcare ETF | 0.12% | 5,181 | $337K | New |
| JNJ Johnson & Johnson | 0.12% | 1,600 | $331K | Reduce -2.4% |
| MBB iShares MBS ETF | 0.12% | 3,463 | $330K | Add +34.8% |
| MUB iShares National Muni Bond E | 0.12% | 2,972 | $318K | No change |
| GOOG Alphabet Inc. Class C | 0.11% | 975 | $306K | Add +5.8% |
| SSUS Day Hagan Smart Sector ETF filed as STRATEGY SHS | 0.11% | 6,118 | $298K | Add +20.4% |
| NFLX Netflix Inc. | 0.10% | 2,984 | $280K | Reduce -20.2% |
| AVGO Broadcom Inc. | 0.10% | 790 | $273K | Reduce -5.6% |
| CLOI Vaneck Clo ETF | 0.10% | 5,025 | $265K | Reduce -50.0% |
| DDEC FT Vest U.S. Equity Deep Buf | 0.10% | 5,728 | $258K | No change |
| DSEP FT Vest U.S. Equity Deep Buf | 0.09% | 5,666 | $254K | No change |
| JPM JPMorgan Chase & Co. | 0.09% | 757 | $244K | Add +9.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.08% | 1,190 | $227K | Add +9.9% |
| TMB Thornburg Multi Sector B ETF | 0.08% | 8,716 | $223K | Reduce -94.4% |
| BKCH Global X Blockchain ETF | 0.08% | 3,452 | $221K | Reduce -1.2% |
| FLHY Franklin High Yield Corporat | 0.08% | 8,846 | $216K | Reduce -94.6% |
| AGG iShares Core U.S. Aggregate | 0.08% | 2,119 | $212K | New |
| XBI SS SPDR S&P Biotech ETF | 0.08% | 1,735 | $212K | New |
| SCHF Schwab Intl Equity ETF | 0.08% | 8,666 | $208K | No change |
| TSN Tyson Foods Inc. Class A | 0.08% | 3,512 | $206K | New |
| QLTA iShares Aaa - A Rated Corpor | 0.07% | 4,181 | $201K | New |
| MSOS Advisorshares Pure US Cann | 0.07% | 40,332 | $190K | Reduce -23.1% |
Portfolio Sells Q3 2025 → Q4 2025
| CORZ Core Scientific Inc. | Sold out | 0.00% | −5.01 |
| JPST JPMorgan Ultra-Short Income | Reduce -20.0% | 6.69% | −1.68 |
| BKHY BNY Mellon High Yield ETF | Reduce -89.9% | 0.16% | −1.48 |
| FLHY Franklin High Yield Corporat | Reduce -94.6% | 0.08% | −1.40 |
| TMB Thornburg Multi Sector B ETF | Reduce -94.4% | 0.08% | −1.39 |
| IBIT iShares Bitcoin Trust ETF | Sold out | 0.00% | −0.57 |
| YOLO Advisorshares Pure Cannabis | Reduce -35.5% | 0.73% | −0.48 |
| ITA iShares U.S. Aerospace & Def | Reduce -26.8% | 0.73% | −0.24 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Reduce -44.0% | 0.24% | −0.19 |
| FLBL Franklin Senior Loan ETF | Sold out | 0.00% | −0.19 |
| TSLA Tesla Inc. | Reduce -44.4% | 0.24% | −0.19 |
| XLI SS Industrial Select Sector | Sold out | 0.00% | −0.17 |
| XLK SS Technology Select Sector | Reduce -21.0% | 0.69% | −0.17 |
| PLTR Palantir Technologies Inc. Class A | Sold out | 0.00% | −0.15 |
| USHY iShares Broad Usd High Yield | Reduce -8.2% | 1.21% | −0.12 |
| HOOD Robinhood Markets Inc. Class A | Sold out | 0.00% | −0.12 |
| PAVE Global X US Infrastructure | Sold out | 0.00% | −0.11 |
| JAAA Janus Henderson Aaa Clo ETF | Sold out | 0.00% | −0.11 |
| MSMR M/S Managed Risk ETF | Reduce -15.2% | 0.71% | −0.11 |
| POWR iShares US Power Infrastruct | Sold out | 0.00% | −0.10 |
| CLOI Vaneck Clo ETF | Reduce -50.0% | 0.10% | −0.10 |
| IXN iShares Global Tech ETF | Sold out | 0.00% | −0.09 |
| BKLN Invesco Senior Loan ETF | Sold out | 0.00% | −0.09 |
| IYW iShares Ustechnology ETF | Sold out | 0.00% | −0.09 |
| HYLB Xtrackers Usd High Yield Cor | Reduce -5.0% | 1.31% | −0.08 |
| SPHB Invesco S&P 500 High Beta Et | Sold out | 0.00% | −0.08 |
| SHYG iShares 0-5 YR HY Corp. Bond | Reduce -9.1% | 0.70% | −0.08 |
| XOP SS SPDR S&P Og Exp & Prod | Reduce -6.9% | 0.59% | −0.07 |
| NFLX Netflix Inc. | Reduce -20.2% | 0.10% | −0.06 |
| PL Planet Labs PBC | Sold out | 0.00% | −0.05 |
| EOSE Eos Energy Enterprises Inc. | Sold out | 0.00% | −0.04 |
| BKCH Global X Blockchain ETF | Reduce -1.2% | 0.08% | −0.03 |
| SJNK SS SPDR BB St Hi Yield ETF | Reduce -3.1% | 0.64% | −0.03 |
| MSOS Advisorshares Pure US Cann | Reduce -23.1% | 0.07% | −0.02 |
| EOS ENERGY ENTERPRISES INC | Sold out | 0.00% | −0.02 |
| SGOV iShares 0-3 Month Treasury B | Reduce -0.6% | 0.87% | −0.01 |
| SCHB Schwab US Broad Market ETF | Reduce -6.3% | 0.20% | −0.01 |
| ISHARES ETHEREUM TR | Sold out | 0.00% | −0.01 |
| SCHD Schwab US DVD Equity ETF | Reduce -3.6% | 0.17% | −0.01 |
| DRAGANFLY INC. | Sold out | 0.00% | −0.01 |
| MINT PIMCO Enhanced Short Maturit | Reduce -3.1% | 0.16% | −0.01 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -1.8% | 0.17% | −0.00 |
| AVGO Broadcom Inc. | Reduce -5.6% | 0.10% | −0.00 |
| MA Mastercard Inc. Class A | Reduce -0.6% | 0.19% | −0.00 |
| DSTL Distillate US Fundamental St | Reduce -0.8% | 0.40% | +0.00 |
| JNJ Johnson & Johnson | Reduce -2.4% | 0.12% | +0.01 |
| IAI iShares U.S. Broker-Dealers | Reduce -0.1% | 0.97% | +0.01 |
| XME SS SPDR S&P Metals Mining | Reduce -0.3% | 1.24% | +0.12 |
| GLD SPDR Gold Shares | Reduce -0.9% | 1.62% | +0.15 |
| WMT Walmart Inc. | Reduce -4.5% | 36.25% | +1.15 |
Portfolio Buys Q3 2025 → Q4 2025
| KAMO Kensington Credit Opport ETF | New | 4.32% | +4.32 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +22.2% | 8.36% | +1.48 |
| QQQ Invesco QQQ Trust Series 1 | Add +15.3% | 7.60% | +1.15 |
| KHPI Kensington Hedged PRM in ETF | Add +20.3% | 5.54% | +0.99 |
| IVV iShares Core S&P 500 ETF | Add +570.1% | 1.07% | +0.91 |
| QQQM Invesco Nasdaq 100 ETF | Add +649.2% | 0.98% | +0.85 |
| VONG Vanguard Russell 1000 Growth | New | 0.54% | +0.54 |
| AMD Advanced Micro Devices | New | 0.41% | +0.41 |
| SPYG SS SPDR P S&P 500 Growth ETF | New | 0.38% | +0.38 |
| ITOT iShares Core S&P Total U.S. | Add +18.9% | 1.90% | +0.33 |
| IEF iShares 7-10 Year Treasury B | Add +169.6% | 0.43% | +0.27 |
| IBB iShares Biotechnology ETF | New | 0.27% | +0.27 |
| XLY SS Consumer Disc Select Sect | New | 0.18% | +0.18 |
| IWM iShares Russell 2000 ETF | New | 0.18% | +0.18 |
| AAPL Apple Inc. | Add +3.4% | 1.65% | +0.15 |
| SPY SS SPDR S&P 500 ETF Trust-US | New | 0.15% | +0.15 |
| IYH iShares U.S. Healthcare ETF | New | 0.12% | +0.12 |
| META Meta Platforms Inc. Class A | Add +106.5% | 0.20% | +0.09 |
| GOOGL Alphabet Inc. Class A | Add +22.0% | 0.24% | +0.09 |
| AGG iShares Core U.S. Aggregate | New | 0.08% | +0.08 |
| XBI SS SPDR S&P Biotech ETF | New | 0.08% | +0.08 |
| TSN Tyson Foods Inc. Class A | New | 0.08% | +0.08 |
| QLTA iShares Aaa - A Rated Corpor | New | 0.07% | +0.07 |
| SMH Vaneck Semiconductor ETF | Add +0.1% | 0.76% | +0.07 |
| SPHY SS SPDR P High Yield ETF | Add +8.7% | 0.92% | +0.06 |
| MBB iShares MBS ETF | Add +34.8% | 0.12% | +0.03 |
| GOOG Alphabet Inc. Class C | Add +5.8% | 0.11% | +0.03 |
| AMZN Amazon.com Inc. | Add +1.5% | 0.45% | +0.03 |
| SSUS Day Hagan Smart Sector ETF | Add +20.4% | 0.11% | +0.02 |
| PEP Pepsico Inc. | Add +0.5% | 0.53% | +0.02 |
| DLN Wisdomtree US Largecap Divid | Add +10.1% | 0.17% | +0.02 |
| GRID First TRST Nasd Class Edg Sgiif | Add +2.4% | 0.49% | +0.02 |
| URA Global X Uranium ETF | Add +16.9% | 0.30% | +0.01 |
| TPYP Tortoise North American Pipe | Add +5.4% | 0.43% | +0.01 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +9.9% | 0.08% | +0.01 |
| JPM JPMorgan Chase & Co. | Add +9.1% | 0.09% | +0.01 |
| NVDA Nvidia Corp. | Add +2.1% | 0.30% | +0.01 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +1.7% | 0.18% | +0.00 |
| SCHZ Schwab US Aggregate Bond ETF | Add +2.3% | 0.15% | +0.00 |
| HUM Humana Inc. | Add +0.3% | 0.32% | −0.00 |
| MSFT Microsoft Corp. | Add +3.8% | 0.28% | −0.01 |
Notes & Other Activity Q3 2025 → Q4 2025
| CORZW Core Scientific Inc. - 27 | *W EXP 01/23/202 | Sold out | 443,457 | $5.2Mbefore exit |
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 |