HERITAGE OAK WEALTH ADVISORS LLC

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CIK 2035533

13F portfolio (2026-Q1)

$315M

Positions

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

Top 5

69.1%

Top 10

80.1%

Effective N

4.8

HHI

0.208

This quarter

19 new · 0 exit →

By sector

Unclassified50.4%

Consumer Discretionary43.6%

Information Technology2.5%

Communication Services1.2%

Consumer Staples0.7%

Financials0.6%

Industrials0.5%

Health Care0.4%

Other0.2%

By market cap

Unknown51.1%

Mega (>$200B)47.5%

Large ($10–200B)1.4%

By region

Other50.4%

North America49.6%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	50.59%	46
Specialty Retail	43.39%	2
Technology Hardware & Equipment	1.48%	2
Semiconductors & Semiconductor Equipment	0.80%	3
Entertainment	0.65%	1
Beverages	0.61%	1
Construction & Engineering	0.45%	1
Software & IT Services	0.45%	3
Pharmaceuticals & Biotechnology	0.36%	4
Software	0.24%	1
Insurance	0.19%	1
Automobiles & Components	0.17%	1
Commercial Services & Supplies	0.15%	1
Media & Entertainment	0.11%	1
Banks	0.09%	1
Oil, Gas & Consumable Fuels	0.08%	1
Chemicals	0.07%	1
Equity Real Estate Investment Trusts (REITs)	0.07%	1
Food Products	0.07%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	WMT	Walmart Inc.	Consumer Discretionary	42.99%
2	BIL	SPDR SERIES TRUST	Unclassified	9.08%
3	SHY	ISHARES TR	Unclassified	8.11%
4	KHPI	MANAGED PORTFOLIO SERIES	Unclassified	5.49%
5	JPST	J P MORGAN EXCHANGE TRADED F	Unclassified	3.39%
6	AVSF	AMERICAN CENTY ETF TR	Unclassified	2.30%
7	SGOV	ISHARES TR	Unclassified	2.30%
8	LDUR	PIMCO ETF TR	Unclassified	2.30%
9	KAMO	KENSINGTON CREDIT OPPORTUNITIES ETF	Unclassified	2.22%
10	MINT	PIMCO ETF TR	Unclassified	1.95%

28/73 names classified · sector 49.6% of weight · industry 49.4% · mkt cap 48.9%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 8 quarters

Consumer DiscretionaryWMT, AMZN, TSLA, ROST, COR · other

FinancialsCORZ, HUM, MA, UNH, MRSH · other

Information TechnologyAAPL, NVDA, MSFT, AMD, MCHP · other

Communication ServicesPLNT, META, GOOGL, NFLX, GOOG · other

Consumer StaplesPEP, TSN, KO, PM, MDLZ · other

IndustrialsJBHT, ARCB, PWR, RCL, PHM · other

Health CareJNJ, LLY, MDT, AMGN, ABT · other

EnergyCVX, XOM, FANG, CRK, PSX

MaterialsNKE, KVUE, APD, PPG, PG

UtilitiesLNG, WMB, NFG

Real EstateJLL, WPC, AGNC, NLY

UnclassifiedJPST, BIL, QQQ, SGOV, SHY · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 49.6% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 49% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (26 classified)HERITAGE OAK WEALTH ADVISORS LLC centroid (Large Growth)

Consumer DiscretionaryInformation TechnologyConsumer StaplesCommunication ServicesIndustrialsFinancialsHealth CareEnergyMaterialsReal Estate

Style box summary for HERITAGE OAK WEALTH ADVISORS LLC: centroid Large Growth. Heaviest cells: Large Growth 47.0%, Large Value 0.9%, Large Core 0.6%.

Classified: 48.8% of book weight (26/73 names) · unclassified 51.2%: BIL, SHY, KHPI, JPST, AVSF, SGOV, LDUR, KAMO, MINT, GSY +37 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 73 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	WMTWALMART INC	1,086,269	$135M	43.0%	ADD 24%
2	BILSPDR SERIES TRUST	311,857	$29M	9.1%	ADD 26%
3	SHYISHARES TR	309,201	$26M	8.1%	NEW
4	KHPIMANAGED PORTFOLIO SERIES	708,031	$17M	5.5%	ADD 22%
5	JPSTJ P MORGAN EXCHANGE TRADED F	210,568	$11M	3.4%	TRIM −41%
6	AVSFAMERICAN CENTY ETF TR	154,877	$7M	2.3%	NEW
7	SGOVISHARES TR	71,974	$7M	2.3%	ADD 205%
8	LDURPIMCO ETF TR	75,552	$7M	2.3%	NEW
9	KAMOKENSINGTON CREDIT OPPORTUNITIES ETF	283,004	$7M	2.2%	TRIM −39%
10	MINTPIMCO ETF TR	60,889	$6M	1.9%	ADD 1314%
11	GSYINVESCO ACTIVELY MANAGED EXC	112,331	$6M	1.8%	NEW
12	AAPLAPPLE INC	17,478	$4M	1.4%	ADD 6%
13	LSTLEUTHOLD SELECT INDUSTRIES ETF	99,553	$4M	1.3%	NEW
14	GLDSPDR GOLD TR	6,931	$3M	0.9%	TRIM −37%
15	IAIISHARES TR	16,031	$3M	0.8%	ADD 10%
16	XMESPDR SERIES TRUST	24,261	$3M	0.8%	TRIM −25%
17	SMHVANECK ETF TRUST	6,643	$3M	0.8%	ADD 16%
18	XOPSPDR SERIES TRUST	12,089	$2M	0.7%	TRIM −5%
19	MSMRETF SER SOLUTIONS	60,192	$2M	0.7%	ADD 9%
20	PLNTPLANET FITNESS INC	27,351	$2M	0.6%	HOLD
21	PEPPEPSICO INC	12,261	$2M	0.6%	ADD 25%
22	YOLOADVISORSHARES TR	626,886	$2M	0.5%	ADD 5%
23	XLKSELECT SECTOR SPDR TR	12,086	$2M	0.5%	TRIM −7%
24	PWRQUANTA SVCS INC	2,598	$1M	0.5%	NEW
25	TPYPTORTOISE CAPITAL SERIES TRUS	32,899	$1M	0.4%	HOLD
26	GRIDFIRST TR EXCHANGE TRADED FD	7,837	$1M	0.4%	TRIM −10%
27	AMZNAMAZON COM INC	6,021	$1M	0.4%	ADD 14%
28	URAGLOBAL X FDS	25,285	$1M	0.4%	ADD 31%
29	DSTLETF SER SOLUTIONS	18,477	$1M	0.3%	HOLD
30	NVDANVIDIA CORPORATION	6,000	$1M	0.3%	ADD 39%
31	AMDADVANCED MICRO DEVICES INC	4,912	$999,202	0.3%	TRIM −5%
32	MSFTMICROSOFT CORP	2,033	$752,694	0.2%	ADD 28%
33	BRK.ABERKSHIRE HATHAWAY INC DEL	1	$718,140	0.2%	HOLD
34	IBBISHARES TR	4,239	$715,755	0.2%	HOLD
35	IBITISHARES BITCOIN TRUST ETF	18,580	$713,844	0.2%	NEW
36	JEPIJPMorgan Equity Premium Income ETF	12,493	$708,103	0.2%	NEW
37	HUMHUMANA INC	3,350	$583,757	0.2%	HOLD
38	GOOGLALPHABET INC	2,011	$578,338	0.2%	TRIM −3%
39	DLNWISDOMTREE TR	6,075	$542,680	0.2%	ADD 13%
40	IHEISHARES TR	6,117	$530,222	0.2%	NEW
41	TSLATESLA INC	1,424	$529,482	0.2%	TRIM −3%
42	SCHDSCHWAB STRATEGIC TR	16,392	$502,919	0.2%	TRIM −3%
43	BRK.BBERKSHIRE HATHAWAY INC DEL	1,030	$493,528	0.2%	ADD 8%
44	SCHBSCHWAB STRATEGIC TR	19,431	$487,718	0.2%	TRIM −3%
45	MAMASTERCARD INCORPORATED	941	$470,207	0.1%	ADD 4%
46	AVGOBROADCOM INC	1,503	$465,144	0.1%	ADD 90%
47	GOOGALPHABET INC	1,511	$433,467	0.1%	ADD 55%
48	MBBISHARES TR	4,237	$402,303	0.1%	ADD 22%
49	SCHZSCHWAB STRATEGIC TR	17,266	$400,917	0.1%	HOLD
50	METAMETA PLATFORMS INC	693	$396,710	0.1%	TRIM −16%
51	JNJJOHNSON & JOHNSON	1,593	$389,372	0.1%	HOLD
52	SHVISHARES TR	3,505	$386,917	0.1%	TRIM −14%
53	XLPSELECT SECTOR SPDR TR	4,285	$351,284	0.1%	NEW
54	NFLXNETFLIX INC	3,492	$335,742	0.1%	ADD 17%
55	MUBISHARES TR	2,972	$315,478	0.1%	HOLD
56	SPYINEOS ETF TRUST	6,024	$297,395	0.1%	NEW
57	JPMJPMORGAN CHASE & CO	976	$287,028	0.1%	ADD 29%
58	ABBVABBVIE INC	1,305	$283,793	0.1%	NEW
59	VTVVANGUARD INDEX FDS	1,362	$267,224	0.1%	ADD 14%
60	DDECFIRST TR EXCHNG TRADED FD VI	5,728	$253,636	0.1%	HOLD
61	SSUSSTRATEGY SHS	5,415	$252,816	0.1%	TRIM −11%
62	XOMEXXON MOBIL CORP	1,490	$252,712	0.1%	NEW
63	MRKMERCK & CO INC	2,062	$249,647	0.1%	NEW
64	DSEPFIRST TR EXCHNG TRADED FD VI	5,666	$249,086	0.1%	HOLD
65	PGPROCTER AND GAMBLE CO	1,599	$231,020	0.1%	NEW
66	NLYANNALY CAPITAL MANAGEMENT IN	10,469	$228,748	0.1%	NEW
67	LLYELI LILLY & CO	238	$218,899	0.1%	NEW
68	RFGINVESCO EXCHANGE TRADED FD T	3,929	$215,358	0.1%	NEW
69	CSCOCISCO SYS INC	2,725	$211,418	0.1%	NEW
70	TSNTYSON FOODS INC	3,244	$207,838	0.1%	TRIM −8%
71	AGGISHARES TR	2,071	$205,588	0.1%	TRIM −2%
72	SCHFSCHWAB STRATEGIC TR	8,104	$200,574	0.1%	TRIM −6%
73	MSOSADVISORSHARES TR	44,706	$158,706	0.1%	ADD 11%

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

WMTWALMART INC

707K

943K

966K

920K

878K

1.1M

$135M

BILSPDR SERIES TRUST

182K

42K

111K

202K

247K

312K

$29M

SHYISHARES TR

—

309K

$26M

KHPIMANAGED PORTFOLIO SERIES

316K

470K

473K

482K

580K

708K

$17M

JPSTJ P MORGAN EXCHANGE TRADED F

394K

399K

435K

446K

356K

211K

$11M

AVSFAMERICAN CENTY ETF TR

—

155K

$7M

SGOVISHARES TR

148K

41K

24K

72K

$7M

LDURPIMCO ETF TR

—

76K

$7M

KAMOKENSINGTON CREDIT OPPORTUNITIES ETF

—

467K

283K

$7M

MINTPIMCO ETF TR

38K

61K

$6M

GSYINVESCO ACTIVELY MANAGED EXC

—

112K

$6M

AAPLAPPLE INC

17K

16K

17K

$4M

LSTLEUTHOLD SELECT INDUSTRIES ETF

—

100K

$4M

GLDSPDR GOLD TR

15K

25K

14K

11K

$3M

IAIISHARES TR

—

15K

16K

$3M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

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