# EDGAR Filing Document

**Accession Number:** 0001876811
**File Stem:** 0001876811-25-000006
**Filing Date:** 2025-10
**Character Count:** 14961
**Document Hash:** f954b32eb57c946f3cb1d13a9d56ff1f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001876811-25-000006.hdr.sgml**: 20251031

**ACCESSION NUMBER**: 0001876811-25-000006

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251031

**DATE AS OF CHANGE**: 20251031

**EFFECTIVENESS DATE**: 20251031

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Heritage Investment Group, Inc.
- **CENTRAL INDEX KEY:** 0001876811

**ORGANIZATION NAME:**
- **EIN:** 650414452
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21705
- **FILM NUMBER:** 251439059

**BUSINESS ADDRESS:**
- **STREET 1:** 2480 N.E. 23RD STREET
- **CITY:** POMPANO BEACH
- **STATE:** FL
- **ZIP:** 33062
- **BUSINESS PHONE:** 954-785-5400

**MAIL ADDRESS:**
- **STREET 1:** 2480 N.E. 23RD STREET
- **CITY:** POMPANO BEACH
- **STATE:** FL
- **ZIP:** 33062

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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 Investment Group Inc.<br>**Address:** 2480 N.E. 23RD STREET<br>POMPANO BEACH, FL 33062

**Form 13F File Number:** 028-21705

**CRD Number (if applicable):** 000113204

**SEC File Number (if applicable):** 801-60396

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:** S. Hardy Taylor<br>**Title:** Chief Compliance Officer<br>**Phone:** 954-785-4500

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

S. Hardy Taylor  Pompano Beach, FL  10-30-2025<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:** 113

**Form 13F Information Table Value Total:** $624530272

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 390971 | 2919 | SH |  | SOLE |  | 0 | 0 | 2919 |
| ABBVIE INC | COM | 00287Y109 |  | 655721 | 2832 | SH |  | SOLE |  | 0 | 0 | 2832 |
| ACUITY INC | COM | 00508Y102 |  | 688780 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| ALLSTATE CORP | COM | 020002101 |  | 805581 | 3753 | SH |  | SOLE |  | 0 | 0 | 3753 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 624462 | 2564 | SH |  | SOLE |  | 0 | 0 | 2564 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 779476 | 3206 | SH |  | SOLE |  | 0 | 0 | 3206 |
| AMAZON COM INC | COM | 023135106 |  | 847321 | 3859 | SH |  | SOLE |  | 0 | 0 | 3859 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 604863 | 1821 | SH |  | SOLE |  | 0 | 0 | 1821 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 292519 | 1521 | SH |  | SOLE |  | 0 | 0 | 1521 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 244151 | 497 | SH |  | SOLE |  | 0 | 0 | 497 |
| AMGEN INC | COM | 031162100 |  | 1189473 | 4215 | SH |  | SOLE |  | 0 | 0 | 4215 |
| APPLE INC | COM | 037833100 |  | 4284382 | 16826 | SH |  | SOLE |  | 0 | 0 | 16826 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 759578 | 2588 | SH |  | SOLE |  | 0 | 0 | 2588 |
| BWX TECHNOLOGIES INC | COM | 05605H100 |  | 442488 | 2400 | SH |  | SOLE |  | 0 | 0 | 2400 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 3016800 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2315620 | 4606 | SH |  | SOLE |  | 0 | 0 | 4606 |
| BROADCOM INC | COM | 11135F101 |  | 755975 | 2291 | SH |  | SOLE |  | 0 | 0 | 2291 |
| CACI INTL INC | CL A | 127190304 |  | 780092 | 1564 | SH |  | SOLE |  | 0 | 0 | 1564 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 204613 | 3427 | SH |  | SOLE |  | 0 | 0 | 3427 |
| CASEYS GEN STORES INC | COM | 147528103 |  | 593021 | 1049 | SH |  | SOLE |  | 0 | 0 | 1049 |
| CISCO SYS INC | COM | 17275R102 |  | 281959 | 4121 | SH |  | SOLE |  | 0 | 0 | 4121 |
| COHERENT CORP | COM | 19247G107 |  | 467505 | 4340 | SH |  | SOLE |  | 0 | 0 | 4340 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 591478 | 639 | SH |  | SOLE |  | 0 | 0 | 639 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 24673807 | 539200 | SH |  | SOLE |  | 0 | 0 | 539200 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 1506526 | 41445 | SH |  | SOLE |  | 0 | 0 | 41445 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 2251494 | 71408 | SH |  | SOLE |  | 0 | 0 | 71408 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 36572131 | 504861 | SH |  | SOLE |  | 0 | 0 | 504861 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 30541767 | 446126 | SH |  | SOLE |  | 0 | 0 | 446126 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 1916040 | 32916 | SH |  | SOLE |  | 0 | 0 | 32916 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 9557100 | 132848 | SH |  | SOLE |  | 0 | 0 | 132848 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 1089177 | 39882 | SH |  | SOLE |  | 0 | 0 | 39882 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 85709964 | 2222192 | SH |  | SOLE |  | 0 | 0 | 2222192 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 41113236 | 919965 | SH |  | SOLE |  | 0 | 0 | 919965 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 16910030 | 527285 | SH |  | SOLE |  | 0 | 0 | 527285 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 15497634 | 472633 | SH |  | SOLE |  | 0 | 0 | 472633 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 256751 | 5567 | SH |  | SOLE |  | 0 | 0 | 5567 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 558642 | 14791 | SH |  | SOLE |  | 0 | 0 | 14791 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 7568358 | 157052 | SH |  | SOLE |  | 0 | 0 | 157052 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 6753767 | 157946 | SH |  | SOLE |  | 0 | 0 | 157946 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 661772 | 5869 | SH |  | SOLE |  | 0 | 0 | 5869 |
| META PLATFORMS INC | CL A | 30303M102 |  | 705181 | 960 | SH |  | SOLE |  | 0 | 0 | 960 |
| FRONTVIEW REIT INC | COM | 35922N100 |  | 202648 | 14781 | SH |  | SOLE |  | 0 | 0 | 14781 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 532758 | 669 | SH |  | SOLE |  | 0 | 0 | 669 |
| HERSHEY CO | COM | 427866108 |  | 330356 | 1766 | SH |  | SOLE |  | 0 | 0 | 1766 |
| HOME DEPOT INC | COM | 437076102 |  | 730152 | 1802 | SH |  | SOLE |  | 0 | 0 | 1802 |
| HONEYWELL INTL INC | COM | 438516106 |  | 213026 | 1012 | SH |  | SOLE |  | 0 | 0 | 1012 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 629788 | 1049 | SH |  | SOLE |  | 0 | 0 | 1049 |
| INTUIT | COM | 461202103 |  | 248470 | 364 | SH |  | SOLE |  | 0 | 0 | 364 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 201908 | 4466 | SH |  | SOLE |  | 0 | 0 | 4466 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 259694 | 1783 | SH |  | SOLE |  | 0 | 0 | 1783 |
| ISHARES TR | CORE S ETF | 464287200 |  | 72645500 | 108540 | SH |  | SOLE |  | 0 | 0 | 108540 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 205961 | 3156 | SH |  | SOLE |  | 0 | 0 | 3156 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 386190 | 2675 | SH |  | SOLE |  | 0 | 0 | 2675 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 658757 | 1406 | SH |  | SOLE |  | 0 | 0 | 1406 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 17899748 | 48976 | SH |  | SOLE |  | 0 | 0 | 48976 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 559611 | 2313 | SH |  | SOLE |  | 0 | 0 | 2313 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 14817046 | 124691 | SH |  | SOLE |  | 0 | 0 | 124691 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 665185 | 4094 | SH |  | SOLE |  | 0 | 0 | 4094 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 52664986 | 493210 | SH |  | SOLE |  | 0 | 0 | 493210 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 981625 | 9218 | SH |  | SOLE |  | 0 | 0 | 9218 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 1623832 | 15710 | SH |  | SOLE |  | 0 | 0 | 15710 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 41203078 | 1612014 | SH |  | SOLE |  | 0 | 0 | 1612014 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 11529812 | 143817 | SH |  | SOLE |  | 0 | 0 | 143817 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 1292200 | 19880 | SH |  | SOLE |  | 0 | 0 | 19880 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1612478 | 5112 | SH |  | SOLE |  | 0 | 0 | 5112 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 798419 | 4306 | SH |  | SOLE |  | 0 | 0 | 4306 |
| ELI LILLY  CO | COM | 532457108 |  | 1687650 | 2212 | SH |  | SOLE |  | 0 | 0 | 2212 |
| MARATHON PETE CORP | COM | 56585A102 |  | 317368 | 1647 | SH |  | SOLE |  | 0 | 0 | 1647 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 473630 | 833 | SH |  | SOLE |  | 0 | 0 | 833 |
| MICROSOFT CORP | COM | 594918104 |  | 2922986 | 5643 | SH |  | SOLE |  | 0 | 0 | 5643 |
| NETFLIX INC | COM | 64110L106 |  | 375262 | 313 | SH |  | SOLE |  | 0 | 0 | 313 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 343630 | 4552 | SH |  | SOLE |  | 0 | 0 | 4552 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 214481 | 352 | SH |  | SOLE |  | 0 | 0 | 352 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1875201 | 10050 | SH |  | SOLE |  | 0 | 0 | 10050 |
| ORACLE CORP | COM | 68389X105 |  | 1946743 | 6922 | SH |  | SOLE |  | 0 | 0 | 6922 |
| PEPSICO INC | COM | 713448108 |  | 341352 | 2431 | SH |  | SOLE |  | 0 | 0 | 2431 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 704098 | 4582 | SH |  | SOLE |  | 0 | 0 | 4582 |
| RTX CORPORATION | COM | 75513E101 |  | 595862 | 3561 | SH |  | SOLE |  | 0 | 0 | 3561 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 5054312 | 7587 | SH |  | SOLE |  | 0 | 0 | 7587 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 953015 | 2681 | SH |  | SOLE |  | 0 | 0 | 2681 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 1613815 | 3480 | SH |  | SOLE |  | 0 | 0 | 3480 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 342717 | 575 | SH |  | SOLE |  | 0 | 0 | 575 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 929512 | 35289 | SH |  | SOLE |  | 0 | 0 | 35289 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 242118 | 859 | SH |  | SOLE |  | 0 | 0 | 859 |
| SMITH  NEPHEW PLC | SPDN ADR NEW | 83175M205 |  | 469847 | 12947 | SH |  | SOLE |  | 0 | 0 | 12947 |
| TEVA PHARMACEUTICAL INDS LTD | SPONSORED ADS | 881624209 |  | 484295 | 23975 | SH |  | SOLE |  | 0 | 0 | 23975 |
| 3M CO | COM | 88579Y101 |  | 265203 | 1709 | SH |  | SOLE |  | 0 | 0 | 1709 |
| TOMPKINS FINL CORP | COM | 890110109 |  | 240276 | 3629 | SH |  | SOLE |  | 0 | 0 | 3629 |
| UNION PAC CORP | COM | 907818108 |  | 571242 | 2417 | SH |  | SOLE |  | 0 | 0 | 2417 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 222911 | 1033 | SH |  | SOLE |  | 0 | 0 | 1033 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 454735 | 1130 | SH |  | SOLE |  | 0 | 0 | 1130 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 VAL | 921932844 |  | 964570 | 9572 | SH |  | SOLE |  | 0 | 0 | 9572 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 GRTH | 921932869 |  | 1015835 | 8502 | SH |  | SOLE |  | 0 | 0 | 8502 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1922893 | 32091 | SH |  | SOLE |  | 0 | 0 | 32091 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 278216 | 939 | SH |  | SOLE |  | 0 | 0 | 939 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 2508677 | 3360 | SH |  | SOLE |  | 0 | 0 | 3360 |
| VANGUARD WORLD FD | MATERIALS ETF | 92204A801 |  | 348262 | 1700 | SH |  | SOLE |  | 0 | 0 | 1700 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 7103478 | 51549 | SH |  | SOLE |  | 0 | 0 | 51549 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 287599 | 3604 | SH |  | SOLE |  | 0 | 0 | 3604 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 8326321 | 85119 | SH |  | SOLE |  | 0 | 0 | 85119 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 40939217 | 817640 | SH |  | SOLE |  | 0 | 0 | 817640 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2182522 | 3564 | SH |  | SOLE |  | 0 | 0 | 3564 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 242286 | 787 | SH |  | SOLE |  | 0 | 0 | 787 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 394719 | 823 | SH |  | SOLE |  | 0 | 0 | 823 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 934603 | 5012 | SH |  | SOLE |  | 0 | 0 | 5012 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 654771 | 2575 | SH |  | SOLE |  | 0 | 0 | 2575 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1596858 | 4866 | SH |  | SOLE |  | 0 | 0 | 4866 |
| VISA INC | COM CL A | 92826C839 |  | 524055 | 1535 | SH |  | SOLE |  | 0 | 0 | 1535 |
| WALMART INC | COM | 931142103 |  | 304851 | 2958 | SH |  | SOLE |  | 0 | 0 | 2958 |
| WATERS CORP | COM | 941848103 |  | 299810 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 596798 | 7120 | SH |  | SOLE |  | 0 | 0 | 7120 |
| WEST PHARMACEUTICAL SVSC INC | COM | 955306105 |  | 884314 | 3371 | SH |  | SOLE |  | 0 | 0 | 3371 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 223922 | 2929 | SH |  | SOLE |  | 0 | 0 | 2929 |

---