# EDGAR Filing Document

**Accession Number:** 0001752035
**File Stem:** 0001172661-23-000314
**Filing Date:** 2023-1
**Character Count:** 11028
**Document Hash:** ce7a713b5123d5f33ecaa884fa92ec9f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-23-000314.hdr.sgml**: 20230127

**ACCESSION NUMBER**: 0001172661-23-000314

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230127

**DATE AS OF CHANGE**: 20230127

**EFFECTIVENESS DATE**: 20230127

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Heritage Financial Services, LLC
- **CENTRAL INDEX KEY:** 0001752035
- **IRS NUMBER:** 464420482

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22567
- **FILM NUMBER:** 23559895

**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:** 12-31-2022

**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  01-27-2023<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:** 74

**Form 13F Information Table Value Total:** $395033887

      (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 |  | 272818 | 2275 | SH |  | SOLE |  | 2275 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 557184 | 5075 | SH |  | SOLE |  | 5075 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 454286 | 2811 | SH |  | SOLE |  | 2811 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 352038 | 3990 | SH |  | SOLE |  | 3990 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 300529 | 3387 | SH |  | SOLE |  | 3387 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 381360 | 4540 | SH |  | SOLE |  | 4540 | 0 | 0 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 918203 | 13501 | SH |  | SOLE |  | 13501 | 0 | 0 |
| ANALOG DEVICES INC | COM | 032654105 |  | 311445 | 1899 | SH |  | SOLE |  | 1899 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 3511678 | 27027 | SH |  | SOLE |  | 27027 | 0 | 0 |
| APPLIED MATLS INC | COM | 038222105 |  | 420428 | 4317 | SH |  | SOLE |  | 4317 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 251368 | 7590 | SH |  | SOLE |  | 7590 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 833103 | 2697 | SH |  | SOLE |  | 2697 | 0 | 0 |
| BOEING CO | COM | 097023105 |  | 299260 | 1571 | SH |  | SOLE |  | 1571 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 383570 | 2137 | SH |  | SOLE |  | 2137 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 271133 | 5691 | SH |  | SOLE |  | 5691 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 1276971 | 20075 | SH |  | SOLE |  | 20075 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 610797 | 1338 | SH |  | SOLE |  | 1338 | 0 | 0 |
| CVS HEALTH CORP | COM | 126650100 |  | 633972 | 6803 | SH |  | SOLE |  | 6803 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SUSTAINABILTY | 25434V716 |  | 3624328 | 145386 | SH |  | SOLE |  | 145386 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 28930648 | 1279551 | SH |  | SOLE |  | 1279551 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 98224076 | 4045473 | SH |  | SOLE |  | 4045473 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 |  | 1977610 | 70185 | SH |  | SOLE |  | 70185 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 503655 | 20114 | SH |  | SOLE |  | 20114 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 |  | 2396077 | 86232 | SH |  | SOLE |  | 86232 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 420807 | 13842 | SH |  | SOLE |  | 13842 | 0 | 0 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 233401 | 455 | SH |  | SOLE |  | 455 | 0 | 0 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 1001133 | 11941 | SH |  | SOLE |  | 11941 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1058990 | 9601 | SH |  | SOLE |  | 9601 | 0 | 0 |
| GENERAL MLS INC | COM | 370334104 |  | 239308 | 2854 | SH |  | SOLE |  | 2854 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 390087 | 1235 | SH |  | SOLE |  | 1235 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 283305 | 1322 | SH |  | SOLE |  | 1322 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 703323 | 4992 | SH |  | SOLE |  | 4992 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 5471047 | 117153 | SH |  | SOLE |  | 117153 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 237536 | 982 | SH |  | SOLE |  | 982 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 483985 | 2299 | SH |  | SOLE |  | 2299 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 449282 | 3097 | SH |  | SOLE |  | 3097 | 0 | 0 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 6492491 | 131294 | SH |  | SOLE |  | 131294 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 2644141 | 27262 | SH |  | SOLE |  | 27262 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1284030 | 3342 | SH |  | SOLE |  | 3342 | 0 | 0 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 202608 | 1680 | SH |  | SOLE |  | 1680 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 209628 | 2215 | SH |  | SOLE |  | 2215 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 349705 | 2306 | SH |  | SOLE |  | 2306 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 17205069 | 202890 | SH |  | SOLE |  | 202890 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 801258 | 3740 | SH |  | SOLE |  | 3740 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 504036 | 8616 | SH |  | SOLE |  | 8616 | 0 | 0 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 1556068 | 7051 | SH |  | SOLE |  | 7051 | 0 | 0 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 10510063 | 187747 | SH |  | SOLE |  | 187747 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 72825801 | 1614047 | SH |  | SOLE |  | 1614047 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 7134363 | 142317 | SH |  | SOLE |  | 142317 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1894923 | 10727 | SH |  | SOLE |  | 10727 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 297166 | 2216 | SH |  | SOLE |  | 2216 | 0 | 0 |
| LILLY ELI  CO | COM | 532457108 |  | 581686 | 1590 | SH |  | SOLE |  | 1590 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 739202 | 2805 | SH |  | SOLE |  | 2805 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 386772 | 3486 | SH |  | SOLE |  | 3486 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1640184 | 6839 | SH |  | SOLE |  | 6839 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 999354 | 11954 | SH |  | SOLE |  | 11954 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 402080 | 7847 | SH |  | SOLE |  | 7847 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1898137 | 12524 | SH |  | SOLE |  | 12524 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 456328 | 10107 | SH |  | SOLE |  | 10107 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 249671 | 10548 | SH |  | SOLE |  | 10548 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 696738 | 1822 | SH |  | SOLE |  | 1822 | 0 | 0 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 863259 | 6900 | SH |  | SOLE |  | 6900 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 225783 | 410 | SH |  | SOLE |  | 410 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 678100 | 1279 | SH |  | SOLE |  | 1279 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 985829 | 4837 | SH |  | SOLE |  | 4837 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 913176 | 4285 | SH |  | SOLE |  | 4285 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1842116 | 9635 | SH |  | SOLE |  | 9635 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 574090 | 1634 | SH |  | SOLE |  | 1634 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 488108 | 2802 | SH |  | SOLE |  | 2802 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 587195 | 15064 | SH |  | SOLE |  | 15064 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 5690969 | 114992 | SH |  | SOLE |  | 114992 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 90451952 | 1546716 | SH |  | SOLE |  | 1546716 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 500756 | 3298 | SH |  | SOLE |  | 3298 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 602311 | 14351 | SH |  | SOLE |  | 14351 | 0 | 0 |

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