# EDGAR Filing Document

**Accession Number:** 0001752035
**File Stem:** 0001172661-25-004494
**Filing Date:** 2025-10
**Character Count:** 16863
**Document Hash:** e911de63bdeebde4d9c08db9331a8e31
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-25-004494.hdr.sgml**: 20251030

**ACCESSION NUMBER**: 0001172661-25-004494

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251030

**DATE AS OF CHANGE**: 20251030

**EFFECTIVENESS DATE**: 20251030

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Heritage Financial Services, LLC
- **CENTRAL INDEX KEY:** 0001752035

**ORGANIZATION NAME:**
- **EIN:** 464420482

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22567
- **FILM NUMBER:** 251433273

**BUSINESS ADDRESS:**
- **STREET 1:** 100 LOWDER BROOK DRIVE
- **STREET 2:** SUITE 1000
- **CITY:** WESTWOOD
- **STATE:** MA
- **ZIP:** 02090
- **BUSINESS PHONE:** 7812550214

**MAIL ADDRESS:**
- **STREET 1:** 100 LOWDER BROOK DRIVE
- **STREET 2:** SUITE 1000
- **CITY:** WESTWOOD
- **STATE:** MA
- **ZIP:** 02090

### 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 Financial Services LLC<br>**Address:** 100 Lowder Brook Drive<br>Suite 1000<br>Westwood, MA 02090

**Form 13F File Number:** 028-22567

**CRD Number (if applicable):** 000127268

**SEC File Number (if applicable):** 801-64494

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:** Jennifer Watson<br>**Title:** Chief Compliance Officer<br>**Phone:** 781-255-0214

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

/s/ Jennifer Watson  WESTWOOD, MA  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:** 134

**Form 13F Information Table Value Total:** $1112604466

      (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 |
| 3M CO | COM | 88579Y101 |  | 204838 | 1320 | SH |  | SOLE |  | 0 | 0 | 1320 |
| ABBOTT LABS | COM | 002824100 |  | 492632 | 3678 | SH |  | SOLE |  | 0 | 0 | 3678 |
| ABBVIE INC | COM | 00287Y109 |  | 884252 | 3819 | SH |  | SOLE |  | 0 | 0 | 3819 |
| AFLAC INC | COM | 001055102 |  | 269654 | 2414 | SH |  | SOLE |  | 0 | 0 | 2414 |
| AIRJOULE TECHNOLOGIES CORP | CL A | 612160101 |  | 58039 | 12375 | SH |  | SOLE |  | 0 | 0 | 12375 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 810496 | 3334 | SH |  | SOLE |  | 0 | 0 | 3334 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1156619 | 4749 | SH |  | SOLE |  | 0 | 0 | 4749 |
| AMAZON COM INC | COM | 023135106 |  | 1239693 | 5646 | SH |  | SOLE |  | 0 | 0 | 5646 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 17911121 | 179957 | SH |  | SOLE |  | 0 | 0 | 179957 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 605786 | 5573 | SH |  | SOLE |  | 0 | 0 | 5573 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 532453 | 1603 | SH |  | SOLE |  | 0 | 0 | 1603 |
| ANALOG DEVICES INC | COM | 032654105 |  | 772654 | 3145 | SH |  | SOLE |  | 0 | 0 | 3145 |
| APPLE INC | COM | 037833100 |  | 10670109 | 41904 | SH |  | SOLE |  | 0 | 0 | 41904 |
| APPLIED MATLS INC | COM | 038222105 |  | 930010 | 4542 | SH |  | SOLE |  | 0 | 0 | 4542 |
| AT INC | COM | 00206R102 |  | 276508 | 9791 | SH |  | SOLE |  | 0 | 0 | 9791 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 273542 | 932 | SH |  | SOLE |  | 0 | 0 | 932 |
| BANK AMERICA CORP | COM | 060505104 |  | 293330 | 5686 | SH |  | SOLE |  | 0 | 0 | 5686 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1773164 | 3527 | SH |  | SOLE |  | 0 | 0 | 3527 |
| BOEING CO | COM | 097023105 |  | 288565 | 1337 | SH |  | SOLE |  | 0 | 0 | 1337 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 |  | 293769 | 3009 | SH |  | SOLE |  | 0 | 0 | 3009 |
| BROADCOM INC | COM | 11135F101 |  | 2713840 | 8226 | SH |  | SOLE |  | 0 | 0 | 8226 |
| CABOT CORP | COM | 127055101 |  | 205868 | 2707 | SH |  | SOLE |  | 0 | 0 | 2707 |
| CATERPILLAR INC | COM | 149123101 |  | 434684 | 911 | SH |  | SOLE |  | 0 | 0 | 911 |
| CHEVRON CORP NEW | COM | 166764100 |  | 489475 | 3152 | SH |  | SOLE |  | 0 | 0 | 3152 |
| CISCO SYS INC | COM | 17275R102 |  | 280591 | 4101 | SH |  | SOLE |  | 0 | 0 | 4101 |
| COCA COLA CO | COM | 191216100 |  | 1362081 | 20538 | SH |  | SOLE |  | 0 | 0 | 20538 |
| CORNING INC | COM | 219350105 |  | 217544 | 2652 | SH |  | SOLE |  | 0 | 0 | 2652 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1340786 | 1449 | SH |  | SOLE |  | 0 | 0 | 1449 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 7037275 | 171850 | SH |  | SOLE |  | 0 | 0 | 171850 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 2418394 | 58856 | SH |  | SOLE |  | 0 | 0 | 58856 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 4591863 | 126324 | SH |  | SOLE |  | 0 | 0 | 126324 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 57421100 | 1790493 | SH |  | SOLE |  | 0 | 0 | 1790493 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 2689603 | 84340 | SH |  | SOLE |  | 0 | 0 | 84340 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 2989821 | 94825 | SH |  | SOLE |  | 0 | 0 | 94825 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 178232909 | 4621024 | SH |  | SOLE |  | 0 | 0 | 4621024 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 14356164 | 338010 | SH |  | SOLE |  | 0 | 0 | 338010 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 398762 | 8646 | SH |  | SOLE |  | 0 | 0 | 8646 |
| EATON CORP PLC | SHS | G29183103 |  | 211826 | 566 | SH |  | SOLE |  | 0 | 0 | 566 |
| ELI LILLY  CO | COM | 532457108 |  | 1394001 | 1827 | SH |  | SOLE |  | 0 | 0 | 1827 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 671633 | 9441 | SH |  | SOLE |  | 0 | 0 | 9441 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1344319 | 11923 | SH |  | SOLE |  | 0 | 0 | 11923 |
| GE AEROSPACE | COM NEW | 369604301 |  | 288788 | 960 | SH |  | SOLE |  | 0 | 0 | 960 |
| HOME DEPOT INC | COM | 437076102 |  | 708257 | 1748 | SH |  | SOLE |  | 0 | 0 | 1748 |
| HONEYWELL INTL INC | COM | 438516106 |  | 219341 | 1042 | SH |  | SOLE |  | 0 | 0 | 1042 |
| IDEXX LABS INC | COM | 45168D104 |  | 261307 | 409 | SH |  | SOLE |  | 0 | 0 | 409 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1358883 | 4816 | SH |  | SOLE |  | 0 | 0 | 4816 |
| INVESCO EXCH TRADED FD TR II | S 500 REVENUE | 46138G698 |  | 220878 | 1996 | SH |  | SOLE |  | 0 | 0 | 1996 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 446075 | 743 | SH |  | SOLE |  | 0 | 0 | 743 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 805201 | 11065 | SH |  | SOLE |  | 0 | 0 | 11065 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 3641280 | 55238 | SH |  | SOLE |  | 0 | 0 | 55238 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 293295 | 2064 | SH |  | SOLE |  | 0 | 0 | 2064 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 469479 | 2306 | SH |  | SOLE |  | 0 | 0 | 2306 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 2237908 | 18538 | SH |  | SOLE |  | 0 | 0 | 18538 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 650427 | 3953 | SH |  | SOLE |  | 0 | 0 | 3953 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 486340 | 4567 | SH |  | SOLE |  | 0 | 0 | 4567 |
| ISHARES TR | INTL TREA BD ETF | 464288117 |  | 577060 | 13546 | SH |  | SOLE |  | 0 | 0 | 13546 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 435922 | 1802 | SH |  | SOLE |  | 0 | 0 | 1802 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 258465 | 2677 | SH |  | SOLE |  | 0 | 0 | 2677 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 465363 | 5330 | SH |  | SOLE |  | 0 | 0 | 5330 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 215424 | 3301 | SH |  | SOLE |  | 0 | 0 | 3301 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 248831 | 2094 | SH |  | SOLE |  | 0 | 0 | 2094 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 45704694 | 778350 | SH |  | SOLE |  | 0 | 0 | 778350 |
| ISHARES TR | 3YRTB ETF | 464288125 |  | 323918 | 4252 | SH |  | SOLE |  | 0 | 0 | 4252 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 258312305 | 3222057 | SH |  | SOLE |  | 0 | 0 | 3222057 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 7864299 | 78447 | SH |  | SOLE |  | 0 | 0 | 78447 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 784321 | 2146 | SH |  | SOLE |  | 0 | 0 | 2146 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 19134567 | 131374 | SH |  | SOLE |  | 0 | 0 | 131374 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 1736956 | 8411 | SH |  | SOLE |  | 0 | 0 | 8411 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 2044473 | 5395 | SH |  | SOLE |  | 0 | 0 | 5395 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1919545 | 4098 | SH |  | SOLE |  | 0 | 0 | 4098 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2384716 | 3563 | SH |  | SOLE |  | 0 | 0 | 3563 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 106992774 | 2305382 | SH |  | SOLE |  | 0 | 0 | 2305382 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 13144506 | 259107 | SH |  | SOLE |  | 0 | 0 | 259107 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1627215 | 8776 | SH |  | SOLE |  | 0 | 0 | 8776 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 892912 | 2831 | SH |  | SOLE |  | 0 | 0 | 2831 |
| LOWES COS INC | COM | 548661107 |  | 246787 | 982 | SH |  | SOLE |  | 0 | 0 | 982 |
| MANULIFE FINL CORP | COM | 56501R106 |  | 470584 | 15107 | SH |  | SOLE |  | 0 | 0 | 15107 |
| MCDONALDS CORP | COM | 580135101 |  | 1747672 | 5751 | SH |  | SOLE |  | 0 | 0 | 5751 |
| MERCK  CO INC | COM | 58933Y105 |  | 441221 | 5257 | SH |  | SOLE |  | 0 | 0 | 5257 |
| META PLATFORMS INC | CL A | 30303M102 |  | 460457 | 627 | SH |  | SOLE |  | 0 | 0 | 627 |
| MICROSOFT CORP | COM | 594918104 |  | 4736255 | 9144 | SH |  | SOLE |  | 0 | 0 | 9144 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 854019 | 11313 | SH |  | SOLE |  | 0 | 0 | 11313 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 7628138 | 40884 | SH |  | SOLE |  | 0 | 0 | 40884 |
| ORACLE CORP | COM | 68389X105 |  | 251148 | 893 | SH |  | SOLE |  | 0 | 0 | 893 |
| PAYCHEX INC | COM | 704326107 |  | 498674 | 3934 | SH |  | SOLE |  | 0 | 0 | 3934 |
| PEPSICO INC | COM | 713448108 |  | 207430 | 1477 | SH |  | SOLE |  | 0 | 0 | 1477 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 2215941 | 14422 | SH |  | SOLE |  | 0 | 0 | 14422 |
| PURE STORAGE INC | CL A | 74624M102 |  | 378989 | 4522 | SH |  | SOLE |  | 0 | 0 | 4522 |
| QUALCOMM INC | COM | 747525103 |  | 300801 | 1808 | SH |  | SOLE |  | 0 | 0 | 1808 |
| QUICKLOGIC CORP | COM NEW | 74837P405 |  | 303000 | 50000 | SH |  | SOLE |  | 0 | 0 | 50000 |
| RTX CORPORATION | COM | 75513E101 |  | 365449 | 2184 | SH |  | SOLE |  | 0 | 0 | 2184 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 555672 | 21613 | SH |  | SOLE |  | 0 | 0 | 21613 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 259542 | 9507 | SH |  | SOLE |  | 0 | 0 | 9507 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 586698 | 22274 | SH |  | SOLE |  | 0 | 0 | 22274 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 398096 | 18456 | SH |  | SOLE |  | 0 | 0 | 18456 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 333449 | 963 | SH |  | SOLE |  | 0 | 0 | 963 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 634514 | 1785 | SH |  | SOLE |  | 0 | 0 | 1785 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2524299 | 3789 | SH |  | SOLE |  | 0 | 0 | 3789 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 842401 | 6015 | SH |  | SOLE |  | 0 | 0 | 6015 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 372868 | 12902 | SH |  | SOLE |  | 0 | 0 | 12902 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 |  | 201120 | 6790 | SH |  | SOLE |  | 0 | 0 | 6790 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 426837 | 10521 | SH |  | SOLE |  | 0 | 0 | 10521 |
| STRYKER CORPORATION | COM | 863667101 |  | 213817 | 578 | SH |  | SOLE |  | 0 | 0 | 578 |
| TESLA INC | COM | 88160R101 |  | 382904 | 861 | SH |  | SOLE |  | 0 | 0 | 861 |
| TEXAS PACIFIC LAND CORPORATI | COM | 88262P102 |  | 369722 | 396 | SH |  | SOLE |  | 0 | 0 | 396 |
| TJX COS INC NEW | COM | 872540109 |  | 960035 | 6642 | SH |  | SOLE |  | 0 | 0 | 6642 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 282292 | 669 | SH |  | SOLE |  | 0 | 0 | 669 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 209974 | 752 | SH |  | SOLE |  | 0 | 0 | 752 |
| TRIMBLE INC | COM | 896239100 |  | 436093 | 5341 | SH |  | SOLE |  | 0 | 0 | 5341 |
| UNION PAC CORP | COM | 907818108 |  | 229516 | 971 | SH |  | SOLE |  | 0 | 0 | 971 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 331143 | 959 | SH |  | SOLE |  | 0 | 0 | 959 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 202095 | 464 | SH |  | SOLE |  | 0 | 0 | 464 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1007714 | 13550 | SH |  | SOLE |  | 0 | 0 | 13550 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 809831 | 4342 | SH |  | SOLE |  | 0 | 0 | 4342 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 291135 | 1391 | SH |  | SOLE |  | 0 | 0 | 1391 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 722601 | 2460 | SH |  | SOLE |  | 0 | 0 | 2460 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3497771 | 10658 | SH |  | SOLE |  | 0 | 0 | 10658 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2648649 | 4325 | SH |  | SOLE |  | 0 | 0 | 4325 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 2214360 | 4617 | SH |  | SOLE |  | 0 | 0 | 4617 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 241870 | 1755 | SH |  | SOLE |  | 0 | 0 | 1755 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 331247 | 6114 | SH |  | SOLE |  | 0 | 0 | 6114 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 964198 | 19257 | SH |  | SOLE |  | 0 | 0 | 19257 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 264699201 | 4409449 | SH |  | SOLE |  | 0 | 0 | 4409449 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 766638 | 3553 | SH |  | SOLE |  | 0 | 0 | 3553 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 369954 | 5036 | SH |  | SOLE |  | 0 | 0 | 5036 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1150884 | 19207 | SH |  | SOLE |  | 0 | 0 | 19207 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 615884 | 4370 | SH |  | SOLE |  | 0 | 0 | 4370 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 526375 | 705 | SH |  | SOLE |  | 0 | 0 | 705 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 211271 | 525 | SH |  | SOLE |  | 0 | 0 | 525 |
| VANGUARD WORLD FD | UTILITIES ETF | 92204A876 |  | 248885 | 1314 | SH |  | SOLE |  | 0 | 0 | 1314 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 273721 | 6228 | SH |  | SOLE |  | 0 | 0 | 6228 |
| VISA INC | COM CL A | 92826C839 |  | 437991 | 1283 | SH |  | SOLE |  | 0 | 0 | 1283 |
| WALMART INC | COM | 931142103 |  | 310314 | 3011 | SH |  | SOLE |  | 0 | 0 | 3011 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 |  | 708822 | 5536 | SH |  | SOLE |  | 0 | 0 | 5536 |

---