# EDGAR Filing Document

**Accession Number:** 0002035533
**File Stem:** 0002035533-26-000001
**Filing Date:** 2026-1
**Character Count:** 11702
**Document Hash:** 82375c093f0ed703e68089620d6ac174
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002035533-26-000001.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0002035533-26-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260121

**EFFECTIVENESS DATE**: 20260121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HERITAGE OAK WEALTH ADVISORS LLC
- **CENTRAL INDEX KEY:** 0002035533

**ORGANIZATION NAME:**
- **EIN:** 833608109
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24350
- **FILM NUMBER:** 26545429

**BUSINESS ADDRESS:**
- **STREET 1:** 105 GARFELD ST
- **CITY:** SANTA ROSA BEACH
- **STATE:** FL
- **ZIP:** 32459
- **BUSINESS PHONE:** 4792303113

**MAIL ADDRESS:**
- **STREET 1:** 105 GARFELD ST
- **CITY:** SANTA ROSA BEACH
- **STATE:** FL
- **ZIP:** 32459

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** HERITAGE OAK WEALTH ADVISORS LLC<br>**Address:** 105 GARFELD ST<br>SANTA ROSA BEACH, FL 32459

**Form 13F File Number:** 028-24350

**CRD Number (if applicable):** 000323925

**SEC File Number (if applicable):** 801-126940

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Teresa Douberly<br>**Title:** Compliance Consultant<br>**Phone:** 512-881-2528

**Signature, Place, and Date of Signing:**

Teresa Douberly  Austin, TX  01-21-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 79

**Form 13F Information Table Value Total:** $270519849

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| STRATEGY SHS | DAY HAGAN SMART | 86280R803 |  | 298267 | 6118 | SH |  | SOLE |  | 6118 | 0 | 0 |
| ETF SER SOLUTIONS | DISTILLATE US | 26922A321 |  | 1068976 | 18149 | SH |  | SOLE |  | 18149 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 211646 | 2119 | SH |  | SOLE |  | 2119 | 0 | 0 |
| ADVISORSHARES TR | PURE CANNABIS | 00768Y495 |  | 1965704 | 595668 | SH |  | SOLE |  | 595668 | 0 | 0 |
| ISHARES TR | A RATE CP BD ETF | 46429B291 |  | 201064 | 4181 | SH |  | SOLE |  | 4181 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 |  | 329747 | 3463 | SH |  | SOLE |  | 3463 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 18092410 | 356364 | SH |  | SOLE |  | 356364 | 0 | 0 |
| MANAGED PORTFOLIO SERIES | KENSINGTON HEDGE | 56167N183 |  | 14997693 | 580088 | SH |  | SOLE |  | 580088 | 0 | 0 |
| ETF SER SOLUTIONS | MCELHENNY SHEFLD | 26922B774 |  | 1928957 | 55382 | SH |  | SOLE |  | 55382 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 4389530 | 11076 | SH |  | SOLE |  | 11076 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 22603483 | 247357 | SH |  | SOLE |  | 247357 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 227278 | 1190 | SH |  | SOLE |  | 1190 | 0 | 0 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 472109 | 5360 | SH |  | SOLE |  | 5360 | 0 | 0 |
| ADVISORSHARES TR | PURE US CANNABIS | 00768Y453 |  | 190367 | 40332 | SH |  | SOLE |  | 40332 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 2656672 | 10504 | SH |  | SOLE |  | 10504 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2882228 | 4208 | SH |  | SOLE |  | 4208 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 1018238 | 9543 | SH |  | SOLE |  | 9543 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 1468914 | 12065 | SH |  | SOLE |  | 12065 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | NASDQ CLN EDGE | 33737A108 |  | 1335559 | 8728 | SH |  | SOLE |  | 8728 | 0 | 0 |
| GLOBAL X FDS | GLOBAL X URANIUM | 37954Y871 |  | 822595 | 19251 | SH |  | SOLE |  | 19251 | 0 | 0 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 1963984 | 9148 | SH |  | SOLE |  | 9148 | 0 | 0 |
| ISHARES TR | US BR DEL SE ETF | 464288794 |  | 2621134 | 14613 | SH |  | SOLE |  | 14613 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 1871034 | 12996 | SH |  | SOLE |  | 12996 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A755 |  | 3347639 | 32310 | SH |  | SOLE |  | 32310 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R556 |  | 1601229 | 12682 | SH |  | SOLE |  | 12682 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 658390 | 1464 | SH |  | SOLE |  | 1464 | 0 | 0 |
| TORTOISE CAPITAL SERIES TRUS | NORTH AMERN PIPE | 890930308 |  | 1157421 | 32485 | SH |  | SOLE |  | 32485 | 0 | 0 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 2057423 | 5713 | SH |  | SOLE |  | 5713 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 20562184 | 33472 | SH |  | SOLE |  | 33472 | 0 | 0 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 719129 | 4261 | SH |  | SOLE |  | 4261 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 5138726 | 34560 | SH |  | SOLE |  | 34560 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 475827 | 1933 | SH |  | SOLE |  | 1933 | 0 | 0 |
| MANAGED PORTFOLIO SERIES | KENSINGTON CR OP | 56167R820 |  | 11683597 | 466877 | SH |  | SOLE |  | 466877 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 476565 | 3991 | SH |  | SOLE |  | 3991 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 4473569 | 16455 | SH |  | SOLE |  | 16455 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 243921 | 757 | SH |  | SOLE |  | 757 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 766003 | 1584 | SH |  | SOLE |  | 1584 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 1158151 | 12044 | SH |  | SOLE |  | 12044 | 0 | 0 |
| ISHARES TR | US HLTHCARE ETF | 464287762 |  | 337283 | 5181 | SH |  | SOLE |  | 5181 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A870 |  | 211549 | 1735 | SH |  | SOLE |  | 1735 | 0 | 0 |
| BNY MELLON ETF TRUST | HIGH YIELD ETF | 09661T800 |  | 446058 | 9205 | SH |  | SOLE |  | 9205 | 0 | 0 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 2366659 | 23577 | SH |  | SOLE |  | 23577 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 1885894 | 43991 | SH |  | SOLE |  | 43991 | 0 | 0 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 3271950 | 87497 | SH |  | SOLE |  | 87497 | 0 | 0 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 655603 | 8131 | SH |  | SOLE |  | 8131 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R408 |  | 1732445 | 68422 | SH |  | SOLE |  | 68422 | 0 | 0 |
| VANECK ETF TRUST | CLO ETF | 92189H748 |  | 265370 | 5025 | SH |  | SOLE |  | 5025 | 0 | 0 |
| DBX ETF TR | XTRACK USD HIGH | 233051432 |  | 3544225 | 96232 | SH |  | SOLE |  | 96232 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 331181 | 1600 | SH |  | SOLE |  | 1600 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R606 |  | 2487670 | 105098 | SH |  | SOLE |  | 105098 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 461351 | 16819 | SH |  | SOLE |  | 16819 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 98072806 | 878404 | SH |  | SOLE |  | 878404 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 1110420 | 5185 | SH |  | SOLE |  | 5185 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 648541 | 2072 | SH |  | SOLE |  | 2072 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 305952 | 975 | SH |  | SOLE |  | 975 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 1222654 | 5297 | SH |  | SOLE |  | 5297 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 478523 | 952 | SH |  | SOLE |  | 952 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 273419 | 790 | SH |  | SOLE |  | 790 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 515505 | 903 | SH |  | SOLE |  | 903 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 546555 | 828 | SH |  | SOLE |  | 828 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 279780 | 2984 | SH |  | SOLE |  | 2984 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 806053 | 4322 | SH |  | SOLE |  | 4322 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 1422234 | 9813 | SH |  | SOLE |  | 9813 | 0 | 0 |
| FRANKLIN TEMPLETON ETF TR | HIGH YIELD CORP | 35473P629 |  | 215975 | 8846 | SH |  | SOLE |  | 8846 | 0 | 0 |
| THORNBURG ETF TR | MULTI SECTOR BD | 88521L207 |  | 222955 | 8716 | SH |  | SOLE |  | 8716 | 0 | 0 |
| HUMANA INC | COM | 444859102 |  | 854952 | 3326 | SH |  | SOLE |  | 3326 | 0 | 0 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 433715 | 4307 | SH |  | SOLE |  | 4307 | 0 | 0 |
| GLOBAL X FDS | GBL X BLOCKCHAIN | 37960A735 |  | 220514 | 3452 | SH |  | SOLE |  | 3452 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 208331 | 8666 | SH |  | SOLE |  | 8666 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 401240 | 17169 | SH |  | SOLE |  | 17169 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 527748 | 20120 | SH |  | SOLE |  | 20120 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 411706 | 602 | SH |  | SOLE |  | 602 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F680 |  | 254438 | 5666 | SH |  | SOLE |  | 5666 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST U.S. | 33740U406 |  | 258276 | 5728 | SH |  | SOLE |  | 5728 | 0 | 0 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 447319 | 4061 | SH |  | SOLE |  | 4061 | 0 | 0 |
| TYSON FOODS INC | CL A | 902494103 |  | 205851 | 3512 | SH |  | SOLE |  | 3512 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 318331 | 2972 | SH |  | SOLE |  | 2972 | 0 | 0 |
| PLANET FITNESS INC | CL A | 72703H101 |  | 2966655 | 27350 | SH |  | SOLE |  | 27350 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 754800 | 1 | SH |  | SOLE |  | 1 | 0 | 0 |

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