Heritage Oak Wealth Advisors LLC's SEC 13F Portfolio ($314.7M)

CIK: 0002035533

Sector-focusedMomentum followerConcentrated strategy

Total reported value

$314.7M

Reporting period: 2026-03-31 · Number of holdings: 73

HERITAGE OAK WEALTH ADVISORS LLC disclosed 73 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $314.7M and a quarterly turnover rate of 63.5%.

Browse other institutions with $100M to $1B AUM Browse other institutions starting with "H"

Personality snowflake

Concentration: 83.07
Portfolio Stability: 63.5
Momentum/Contrarian: 100
Sector conviction: 100
Diversification: 100
Sizing Uniformity: 62.11

Heritage Oak Wealth Advisors LLC's disclosed holdings carry a Herfindahl concentration index of 0.208 — mathematically equivalent to about 5 equally-sized positions, well below its 73 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.

Position sizes vary widely across the portfolio (a coefficient of variation of 3.79), with a handful of outsized bets alongside many smaller positions.

No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.

Sector classification currently covers about 48% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.

Recent moves

Add WMT
+23.7%　$37.2M
Trim JPST
-40.9%　-$7.4M
Trim KAMO
-39.4%　-$4.7M
Add MINT
+1313.7%　$5.7M
Add SGOV
+205.3%　$4.9M
Add BIL
+26.1%　$6.0M

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	WMT	Walmart INC	Stock-Consumer Staples	42.99%	+6.74%	+23.66%
2	BIL	Ss Spdr Bb 1-3m T-bill ETF	ETF-Gov Bonds	9.08%	+0.72%	+26.08%
3	SHY	Ishares 1-3 Year Treasury Bo	ETF-Gov Bonds	8.11%	+8.11%	NEW
4	KHPI	Kensington Hedged Prm In ETF	ETF-Other	5.49%	-0.05%	+22.06%
5	JPST	Jpmorgan Ultra-short Income	ETF-Other	3.39%	-3.30%	-40.91%
6	AVSF	Avantis Short-term Fixed INC	ETF-Other	2.30%	+2.30%	NEW
7	SGOV	Ishares 0-3 Month Treasury B	ETF-Gov Bonds	2.30%	+1.43%	+205.27%
8	LDUR	Pimco Enhanced Low Duration	ETF-Other	2.30%	+2.30%	NEW
9	KAMO	Kensington Credit Opport ETF	ETF-Other	2.22%	-2.10%	-39.38%
10	MINT	Pimco Enhanced Short Maturit	ETF-Other	1.95%	+1.79%	+1313.72%
11	GSY	Invesco Ultra Short Duration	ETF-Other	1.79%	+1.79%	NEW
12	AAPL	Apple INC	Stock-Tech	1.41%	—	+6.22%
13	LST	Leuthold Sel Ind	ETF-Other	1.28%	+1.28%	NEW
14	GLD	Spdr Gold Shares	ETF-Commodities	0.95%	-0.67%	-37.42%
15	IAI	Ishares U.s. Broker-dealers	ETF-Other	0.84%	—	+9.70%
16	XME	Ss Spdr S&p Metals Mining	ETF-Other	0.83%	-0.41%	-24.91%
17	SMH	Vaneck Semiconductor ETF	ETF-Other	0.81%	+0.05%	+16.28%
18	XOP	Ss Spdr S&p Og Exp & Prod	ETF-Other	0.70%	+0.11%	-4.68%
19	MSMR	M/s Managed Risk ETF	ETF-Other	0.66%	—	+8.69%
20	PLNT	Planet Fitness INC - Cl A	Stock-Consumer Disc	0.65%	-0.45%	+0.00%
21	PEP	Pepsico INC	Stock-Consumer Staples	0.61%	+0.08%	+24.95%
22	YOLO	Advisorshares Pure Cannabis	ETF-Other	0.52%	-0.21%	+5.24%
23	XLK	Ss Technology Select Sector	ETF-Tech	0.51%	-0.18%	-7.00%
24	PWR	Quanta Services INC	Stock-Industrials	0.45%	+0.45%	NEW
25	TPYP	Tortoise North American Pipe	ETF-Other	0.44%	—	+1.27%
26	GRID	First Trst Nasd Cl Edg Sgiif	ETF-Other	0.41%	—	-10.21%
27	AMZN	Amazon.com INC	Stock-Consumer Disc	0.40%	—	+13.67%
28	URA	Global X Uranium ETF	ETF-Other	0.39%	+0.09%	+31.34%
29	DSTL	Distillate US Fundamental St	ETF-Other	0.34%	—	+1.81%
30	NVDA	Nvidia CORP	Stock-Tech	0.33%	—	+38.82%
31	AMD	Advanced Micro Devices	Stock-Tech	0.32%	—	-5.27%
32	MSFT	Microsoft CORP	Stock-Tech	0.24%	—	+28.35%
33	BRK-A	Berkshire Hathaway Inc-cl A	Stock-Other	0.23%	—	—
34	IBB	Ishares Biotechnology ETF	ETF-Tech	0.23%	—	-0.52%
35	IBIT	Ishares Bitcoin Trust ETF	ETF-Crypto	0.23%	+0.23%	NEW
36	JEPI	Jpmorgan Equity Premium Inco	ETF-Other	0.23%	+0.22%	NEW
37	HUM	Humana INC	Stock-Healthcare	0.19%	-0.13%	+0.72%
38	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.18%	—	-2.94%
39	DLN	Wisdomtree US Largecap Divid	ETF-Other	0.17%	—	+13.34%
40	IHE	Ishares US Pharmaceuticals E	ETF-Other	0.17%	+0.17%	NEW
41	TSLA	Tesla INC	Stock-Consumer Disc	0.17%	—	-2.73%
42	SCHD	Schwab US Dvd Equity ETF	ETF-Other	0.16%	—	-2.54%
43	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.16%	—	+8.19%
44	SCHB	Schwab US Broad Market ETF	ETF-Other	0.15%	—	-3.42%
45	MA	Mastercard INC - A	Stock-Financials	0.15%	—	+4.21%
46	AVGO	Broadcom INC	Stock-Tech	0.15%	—	+90.25%
47	GOOG	Alphabet Inc-cl C	Stock-Comm Services	0.14%	—	+54.97%
48	MBB	Ishares Mbs ETF	ETF-Other	0.13%	—	+22.35%
49	SCHZ	Schwab US Aggregate Bond ETF	ETF-Other	0.13%	—	+0.56%
50	META	Meta Platforms Inc-class A	Stock-Comm Services	0.13%	—	-16.30%

1–50 of 73

Portfolio Performance

Performance for Q3 2026

-3.7%

Performance Last 4 Quarters

+18.8%

Stdev: +11.4%
Beta: +0.61
Alpha: +5.6%
Max Drawdown: -7.9%
Annualized Perf: +16.3%
Batting Avg vs S&P: +47.8%
Sortino: +2.64
Stutzer: +0.4
Treynor: +0.26
Sterling: +1.17
Calmar: +2.06
Information Ratio: -0.08
Tracking Error: +9.6%
Stdev Down: +6%
Winning Months %: +69.6%
Losing Months %: +30.4%
Best 12 Months: +29.8%
Worst 12 Months: +13.1%
Efficiency Ratio: +0.51
Sharpe: +1.39
Stdev Sectors: +31.1%
Skewness: -0.37
Kurtosis: -0.2
Upside Potential: +4.2

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	73	$314.7M	64	1WMT 2BIL 3SHY Top holdings2026-03-31 1.WMT 2.BIL 3.SHY 4.KHPI 5.JPST 6.AVSF 7.SGOV 8.LDUR 9.KAMO 10.MINT
2025-12-31	79	$270.5M	32	1WMT 2BIL 3QQQ Top holdings2025-12-31 1.WMT 2.BIL 3.QQQ 4.JPST 5.KHPI 6.KAMO 7.ITOT 8.AAPL 9.GLD 10.HYLB
2025-09-30	85	$275.2M	55	1WMT 2JPST 3BIL Top holdings2025-09-30 1.WMT 2.JPST 3.BIL 4.QQQ 5.CORZ 6.KHPI 7.CORZW 8.BKHY 9.ITOT 10.AAPL
2025-06-30	73	$258.9M	0	1WMT 2JPST 3QQQ Top holdings2025-06-30 1.WMT 2.JPST 3.QQQ 4.CORZ 5.KHPI 6.BIL 7.MSMR 8.HYG 9.CORZW 10.GLD
2025-03-31	69	$227.6M	0	1WMT 2JPST 3IEF Top holdings2025-03-31 1.WMT 2.JPST 3.IEF 4.KHPI 5.GLD 6.MSMR 7.SSO 8.CORZ 9.HYG 10.SGOV
2024-12-31	76	$212.9M	0	1WMT 2JPST 3BIL Top holdings2024-12-31 1.WMT 2.JPST 3.BIL 4.SGOV 5.CORZ 6.KHPI 7.HYG 8.AAPL 9.MINT 10.CORZW
2024-09-30	149	$217.1M	0	1WMT 2SPY 3GAPR Top holdings2024-09-30 1.WMT 2.SPY 3.GAPR 4.QQQ 5.FYC 6.XLK 7.TSN 8.AAPL 9.VBK 10.INDA
2024-06-30	88	$197.8M	0	1WMT 2JPST 3MINT Top holdings2024-06-30 1.WMT 2.JPST 3.MINT 4.BIL 5.PULS 6.HYG 7.CORZZ 8.AAPL 9.HUM 10.GLD

Holding changes this quarter

Heritage Oak Wealth Advisors LLC's most significant position changes for 2026-03-31: New buy: Ishares 1-3 Year Treasury Bo (SHY); Sold out: Invesco Qqq Trust Series 1 (QQQ); New buy: Avantis Short-term Fixed INC (AVSF); New buy: Pimco Enhanced Low Duration (LDUR); New buy: Invesco Ultra Short Duration (GSY).

Position changes disclosed by Heritage Oak Wealth Advisors LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	WMT	Walmart INC	+6.7%	+23.66%	Add
2	MINT	Pimco Enhanced Short Maturit	+1.8%	+1313.72%	Add
3	SGOV	Ishares 0-3 Month Treasury B	+1.4%	+205.27%	Add
4	BIL	Ss Spdr Bb 1-3m T-bill ETF	+0.7%	+26.08%	Add
5	XOP	Ss Spdr S&p Og Exp & Prod	+0.1%	-4.68%	Trim
6	URA	Global X Uranium ETF	+0.1%	+31.34%	Add
7	PEP	Pepsico INC	+0.1%	+24.95%	Add
8	SMH	Vaneck Semiconductor ETF	+0.1%	+16.28%	Add
9	KHPI	Kensington Hedged Prm In ETF	-0.1%	+22.06%	Add
10	HUM	Humana INC	-0.1%	+0.72%	Add
11	XLK	Ss Technology Select Sector	-0.2%	-7.00%	Trim
12	YOLO	Advisorshares Pure Cannabis	-0.2%	+5.24%	Add
13	XME	Ss Spdr S&p Metals Mining	-0.4%	-24.91%	Trim
14	PLNT	Planet Fitness INC - Cl A	-0.5%	+0.00%	Add
15	GLD	Spdr Gold Shares	-0.7%	-37.42%	Trim
16	KAMO	Kensington Credit Opport ETF	-2.1%	-39.38%	Trim
17	JPST	Jpmorgan Ultra-short Income	-3.3%	-40.91%	Trim
18	SHY	Ishares 1-3 Year Treasury Bo	—	NEW	New buy
19	QQQ	Invesco Qqq Trust Series 1	—	EXIT	Sold out
20	AVSF	Avantis Short-term Fixed INC	—	NEW	New buy
21	LDUR	Pimco Enhanced Low Duration	—	NEW	New buy
22	GSY	Invesco Ultra Short Duration	—	NEW	New buy
23	ITOT	Ishares Core S&p Total U.s.	—	EXIT	Sold out
24	LST	Leuthold Sel Ind	—	NEW	New buy
25	HYLB	Xtrackers Usd High Yield Cor	—	EXIT	Sold out
26	USHY	Ishares Broad Usd High Yield	—	EXIT	Sold out
27	IVV	Ishares Core S&p 500 ETF	—	EXIT	Sold out
28	QQQM	Invesco Nasdaq 100 ETF	—	EXIT	Sold out
29	SPHY	Ss Spdr P High Yield ETF	—	EXIT	Sold out
30	ITA	Ishares U.s. Aerospace & Def	—	EXIT	Sold out
31	SHYG	Ishares 0-5 Yr Hy CORP Bond	—	EXIT	Sold out
32	SJNK	Ss Spdr Bb St Hi Yield ETF	—	EXIT	Sold out
33	VONG	Vanguard Russell 1000 Growth	—	EXIT	Sold out
34	PWR	Quanta Services INC	—	NEW	New buy
35	IEF	Ishares 7-10 Year Treasury B	—	EXIT	Sold out
36	SPYG	Ss Spdr P S&p 500 Growth ETF	—	EXIT	Sold out
37	IBIT	Ishares Bitcoin Trust ETF	—	NEW	New buy
38	JEPI	Jpmorgan Equity Premium Inco	—	NEW	New buy
39	HYG	Ishr Ibx Usd Hiyld Cb Etf-ui	—	EXIT	Sold out
40	IHE	Ishares US Pharmaceuticals E	—	NEW	New buy
41	XLY	Ss Consumer Disc Select Sect	—	EXIT	Sold out
42	IWM	Ishares Russell 2000 ETF	—	EXIT	Sold out
43	BKHY	Bny Mellon High Yield ETF	—	EXIT	Sold out
44	SPY	Ss Spdr S&p 500 ETF Trust-us	—	EXIT	Sold out
45	XLP	Ss Consumer Staples Sel Sect	—	NEW	New buy
46	IYH	Ishares U.s. Healthcare ETF	—	EXIT	Sold out
47	SPYI	Neos S&p 500 High Income ETF	—	NEW	New buy
48	ABBV	Abbvie INC	—	NEW	New buy
49	CLOI	Vaneck Clo ETF	—	EXIT	Sold out
50	XOM	Exxon Mobil CORP	—	NEW	New buy

Filing History

Period	Filed	Type	EDGAR
2026-03-31	2026-04-24	13F-HR	View on EDGAR
2025-12-31	2026-01-21	13F-HR	View on EDGAR
2025-09-30	2025-10-20	13F-HR	View on EDGAR
2025-06-30	2025-07-15	13F-HR	View on EDGAR
2025-03-31	2025-04-28	13F-HR	View on EDGAR
2024-12-31	2025-02-05	13F-HR	View on EDGAR
2024-09-30	2024-10-23	13F-HR	View on EDGAR
2024-06-30	2024-08-28	13F-HR	View on EDGAR

FAQ

What is Heritage Oak Wealth Advisors LLC and what type of investor is it?

Heritage Oak Wealth Advisors LLC is a investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2026-03-31), the firm manages a tracked equity portfolio valued at approximately $314.7M, spread across 73 disclosed positions.

What are Heritage Oak Wealth Advisors LLC's largest equity positions?

Based on the latest 13F filing, Heritage Oak Wealth Advisors LLC's top holdings by market value are: 1. Walmart INC (WMT) — $135.3M (43.0%) 2. Ss Spdr Bb 1-3m T-bill ETF (BIL) — $28.6M (9.1%) 3. Ishares 1-3 Year Treasury Bo (SHY) — $25.5M (8.1%) 4. Kensington Hedged Prm In ETF (KHPI) — $17.3M (5.5%) 5. Jpmorgan Ultra-short Income (JPST) — $10.7M (3.4%)

What changes did Heritage Oak Wealth Advisors LLC make in its most recent portfolio filing?

In the latest reported quarter, Heritage Oak Wealth Advisors LLC made 50 notable position adjustments: 13 new positions were initiated, 11 existing holdings were added to, 6 positions were partially reduced, and 20 were completely exited. The largest of these moves: New buy: Ishares 1-3 Year Treasury Bo (SHY); Sold out: Invesco Qqq Trust Series 1 (QQQ); New buy: Avantis Short-term Fixed INC (AVSF); New buy: Pimco Enhanced Low Duration (LDUR); New buy: Invesco Ultra Short Duration (GSY)

What sectors does Heritage Oak Wealth Advisors LLC focus on?

Heritage Oak Wealth Advisors LLC is concentrated in the following sectors based on its current disclosed equity portfolio: • Consumer Staples: 90.4% • Information Technology: 5.2% • Consumer Discretionary: 1.2% • Communication Services: 1.1% • Health Care: 1.1% • Financials: 0.8%

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Heritage Oak Wealth Advisors LLC's SEC 13F Portfolio ($314.7M)

CIK: 0002035533

Sector-focusedMomentum followerConcentrated strategy

Total reported value

$314.7M

Reporting period: 2026-03-31 · Number of holdings: 73

HERITAGE OAK WEALTH ADVISORS LLC disclosed 73 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $314.7M and a quarterly turnover rate of 63.5%.

Browse other institutions with $100M to $1B AUM Browse other institutions starting with "H"

Personality snowflake

Concentration: 83.07
Portfolio Stability: 63.5
Momentum/Contrarian: 100
Sector conviction: 100
Diversification: 100
Sizing Uniformity: 62.11

Position sizes vary widely across the portfolio (a coefficient of variation of 3.79), with a handful of outsized bets alongside many smaller positions.

No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.

Recent moves

Add WMT
+23.7%　$37.2M
Trim JPST
-40.9%　-$7.4M
Trim KAMO
-39.4%　-$4.7M
Add MINT
+1313.7%　$5.7M
Add SGOV
+205.3%　$4.9M
Add BIL
+26.1%　$6.0M

Holdings Map

New buyAddUnchangedTrim

Top 10 holdings by weight

Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	WMT	Walmart INC	Stock-Consumer Staples	42.99%	+6.74%	+23.66%
2	BIL	Ss Spdr Bb 1-3m T-bill ETF	ETF-Gov Bonds	9.08%	+0.72%	+26.08%
3	SHY	Ishares 1-3 Year Treasury Bo	ETF-Gov Bonds	8.11%	+8.11%	NEW
4	KHPI	Kensington Hedged Prm In ETF	ETF-Other	5.49%	-0.05%	+22.06%
5	JPST	Jpmorgan Ultra-short Income	ETF-Other	3.39%	-3.30%	-40.91%
6	AVSF	Avantis Short-term Fixed INC	ETF-Other	2.30%	+2.30%	NEW
7	SGOV	Ishares 0-3 Month Treasury B	ETF-Gov Bonds	2.30%	+1.43%	+205.27%
8	LDUR	Pimco Enhanced Low Duration	ETF-Other	2.30%	+2.30%	NEW
9	KAMO	Kensington Credit Opport ETF	ETF-Other	2.22%	-2.10%	-39.38%
10	MINT	Pimco Enhanced Short Maturit	ETF-Other	1.95%	+1.79%	+1313.72%
11	GSY	Invesco Ultra Short Duration	ETF-Other	1.79%	+1.79%	NEW
12	AAPL	Apple INC	Stock-Tech	1.41%	—	+6.22%
13	LST	Leuthold Sel Ind	ETF-Other	1.28%	+1.28%	NEW
14	GLD	Spdr Gold Shares	ETF-Commodities	0.95%	-0.67%	-37.42%
15	IAI	Ishares U.s. Broker-dealers	ETF-Other	0.84%	—	+9.70%
16	XME	Ss Spdr S&p Metals Mining	ETF-Other	0.83%	-0.41%	-24.91%
17	SMH	Vaneck Semiconductor ETF	ETF-Other	0.81%	+0.05%	+16.28%
18	XOP	Ss Spdr S&p Og Exp & Prod	ETF-Other	0.70%	+0.11%	-4.68%
19	MSMR	M/s Managed Risk ETF	ETF-Other	0.66%	—	+8.69%
20	PLNT	Planet Fitness INC - Cl A	Stock-Consumer Disc	0.65%	-0.45%	+0.00%
21	PEP	Pepsico INC	Stock-Consumer Staples	0.61%	+0.08%	+24.95%
22	YOLO	Advisorshares Pure Cannabis	ETF-Other	0.52%	-0.21%	+5.24%
23	XLK	Ss Technology Select Sector	ETF-Tech	0.51%	-0.18%	-7.00%
24	PWR	Quanta Services INC	Stock-Industrials	0.45%	+0.45%	NEW
25	TPYP	Tortoise North American Pipe	ETF-Other	0.44%	—	+1.27%
26	GRID	First Trst Nasd Cl Edg Sgiif	ETF-Other	0.41%	—	-10.21%
27	AMZN	Amazon.com INC	Stock-Consumer Disc	0.40%	—	+13.67%
28	URA	Global X Uranium ETF	ETF-Other	0.39%	+0.09%	+31.34%
29	DSTL	Distillate US Fundamental St	ETF-Other	0.34%	—	+1.81%
30	NVDA	Nvidia CORP	Stock-Tech	0.33%	—	+38.82%
31	AMD	Advanced Micro Devices	Stock-Tech	0.32%	—	-5.27%
32	MSFT	Microsoft CORP	Stock-Tech	0.24%	—	+28.35%
33	BRK-A	Berkshire Hathaway Inc-cl A	Stock-Other	0.23%	—	—
34	IBB	Ishares Biotechnology ETF	ETF-Tech	0.23%	—	-0.52%
35	IBIT	Ishares Bitcoin Trust ETF	ETF-Crypto	0.23%	+0.23%	NEW
36	JEPI	Jpmorgan Equity Premium Inco	ETF-Other	0.23%	+0.22%	NEW
37	HUM	Humana INC	Stock-Healthcare	0.19%	-0.13%	+0.72%
38	GOOGL	Alphabet Inc-cl A	Stock-Comm Services	0.18%	—	-2.94%
39	DLN	Wisdomtree US Largecap Divid	ETF-Other	0.17%	—	+13.34%
40	IHE	Ishares US Pharmaceuticals E	ETF-Other	0.17%	+0.17%	NEW
41	TSLA	Tesla INC	Stock-Consumer Disc	0.17%	—	-2.73%
42	SCHD	Schwab US Dvd Equity ETF	ETF-Other	0.16%	—	-2.54%
43	BRK-B	Berkshire Hathaway Inc-cl B	Stock-Other	0.16%	—	+8.19%
44	SCHB	Schwab US Broad Market ETF	ETF-Other	0.15%	—	-3.42%
45	MA	Mastercard INC - A	Stock-Financials	0.15%	—	+4.21%
46	AVGO	Broadcom INC	Stock-Tech	0.15%	—	+90.25%
47	GOOG	Alphabet Inc-cl C	Stock-Comm Services	0.14%	—	+54.97%
48	MBB	Ishares Mbs ETF	ETF-Other	0.13%	—	+22.35%
49	SCHZ	Schwab US Aggregate Bond ETF	ETF-Other	0.13%	—	+0.56%
50	META	Meta Platforms Inc-class A	Stock-Comm Services	0.13%	—	-16.30%

1–50 of 73

Portfolio Performance

Performance for Q3 2026

-3.7%

Performance Last 4 Quarters

+18.8%

Stdev: +11.4%
Beta: +0.61
Alpha: +5.6%
Max Drawdown: -7.9%
Annualized Perf: +16.3%
Batting Avg vs S&P: +47.8%
Sortino: +2.64
Stutzer: +0.4
Treynor: +0.26
Sterling: +1.17
Calmar: +2.06
Information Ratio: -0.08
Tracking Error: +9.6%
Stdev Down: +6%
Winning Months %: +69.6%
Losing Months %: +30.4%
Best 12 Months: +29.8%
Worst 12 Months: +13.1%
Efficiency Ratio: +0.51
Sharpe: +1.39
Stdev Sectors: +31.1%
Skewness: -0.37
Kurtosis: -0.2
Upside Potential: +4.2

Reported value over time

Sector allocation

Sector allocation over time

Quarterly history

Period	Holdings	Total value	Stability	Top holdings
2026-03-31	73	$314.7M	64	1WMT 2BIL 3SHY Top holdings2026-03-31 1.WMT 2.BIL 3.SHY 4.KHPI 5.JPST 6.AVSF 7.SGOV 8.LDUR 9.KAMO 10.MINT
2025-12-31	79	$270.5M	32	1WMT 2BIL 3QQQ Top holdings2025-12-31 1.WMT 2.BIL 3.QQQ 4.JPST 5.KHPI 6.KAMO 7.ITOT 8.AAPL 9.GLD 10.HYLB
2025-09-30	85	$275.2M	55	1WMT 2JPST 3BIL Top holdings2025-09-30 1.WMT 2.JPST 3.BIL 4.QQQ 5.CORZ 6.KHPI 7.CORZW 8.BKHY 9.ITOT 10.AAPL
2025-06-30	73	$258.9M	0	1WMT 2JPST 3QQQ Top holdings2025-06-30 1.WMT 2.JPST 3.QQQ 4.CORZ 5.KHPI 6.BIL 7.MSMR 8.HYG 9.CORZW 10.GLD
2025-03-31	69	$227.6M	0	1WMT 2JPST 3IEF Top holdings2025-03-31 1.WMT 2.JPST 3.IEF 4.KHPI 5.GLD 6.MSMR 7.SSO 8.CORZ 9.HYG 10.SGOV
2024-12-31	76	$212.9M	0	1WMT 2JPST 3BIL Top holdings2024-12-31 1.WMT 2.JPST 3.BIL 4.SGOV 5.CORZ 6.KHPI 7.HYG 8.AAPL 9.MINT 10.CORZW
2024-09-30	149	$217.1M	0	1WMT 2SPY 3GAPR Top holdings2024-09-30 1.WMT 2.SPY 3.GAPR 4.QQQ 5.FYC 6.XLK 7.TSN 8.AAPL 9.VBK 10.INDA
2024-06-30	88	$197.8M	0	1WMT 2JPST 3MINT Top holdings2024-06-30 1.WMT 2.JPST 3.MINT 4.BIL 5.PULS 6.HYG 7.CORZZ 8.AAPL 9.HUM 10.GLD

Holding changes this quarter

Position changes disclosed by Heritage Oak Wealth Advisors LLC for the quarter ending 2026-03-31, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	WMT	Walmart INC	+6.7%	+23.66%	Add
2	MINT	Pimco Enhanced Short Maturit	+1.8%	+1313.72%	Add
3	SGOV	Ishares 0-3 Month Treasury B	+1.4%	+205.27%	Add
4	BIL	Ss Spdr Bb 1-3m T-bill ETF	+0.7%	+26.08%	Add
5	XOP	Ss Spdr S&p Og Exp & Prod	+0.1%	-4.68%	Trim
6	URA	Global X Uranium ETF	+0.1%	+31.34%	Add
7	PEP	Pepsico INC	+0.1%	+24.95%	Add
8	SMH	Vaneck Semiconductor ETF	+0.1%	+16.28%	Add
9	KHPI	Kensington Hedged Prm In ETF	-0.1%	+22.06%	Add
10	HUM	Humana INC	-0.1%	+0.72%	Add
11	XLK	Ss Technology Select Sector	-0.2%	-7.00%	Trim
12	YOLO	Advisorshares Pure Cannabis	-0.2%	+5.24%	Add
13	XME	Ss Spdr S&p Metals Mining	-0.4%	-24.91%	Trim
14	PLNT	Planet Fitness INC - Cl A	-0.5%	+0.00%	Add
15	GLD	Spdr Gold Shares	-0.7%	-37.42%	Trim
16	KAMO	Kensington Credit Opport ETF	-2.1%	-39.38%	Trim
17	JPST	Jpmorgan Ultra-short Income	-3.3%	-40.91%	Trim
18	SHY	Ishares 1-3 Year Treasury Bo	—	NEW	New buy
19	QQQ	Invesco Qqq Trust Series 1	—	EXIT	Sold out
20	AVSF	Avantis Short-term Fixed INC	—	NEW	New buy
21	LDUR	Pimco Enhanced Low Duration	—	NEW	New buy
22	GSY	Invesco Ultra Short Duration	—	NEW	New buy
23	ITOT	Ishares Core S&p Total U.s.	—	EXIT	Sold out
24	LST	Leuthold Sel Ind	—	NEW	New buy
25	HYLB	Xtrackers Usd High Yield Cor	—	EXIT	Sold out
26	USHY	Ishares Broad Usd High Yield	—	EXIT	Sold out
27	IVV	Ishares Core S&p 500 ETF	—	EXIT	Sold out
28	QQQM	Invesco Nasdaq 100 ETF	—	EXIT	Sold out
29	SPHY	Ss Spdr P High Yield ETF	—	EXIT	Sold out
30	ITA	Ishares U.s. Aerospace & Def	—	EXIT	Sold out
31	SHYG	Ishares 0-5 Yr Hy CORP Bond	—	EXIT	Sold out
32	SJNK	Ss Spdr Bb St Hi Yield ETF	—	EXIT	Sold out
33	VONG	Vanguard Russell 1000 Growth	—	EXIT	Sold out
34	PWR	Quanta Services INC	—	NEW	New buy
35	IEF	Ishares 7-10 Year Treasury B	—	EXIT	Sold out
36	SPYG	Ss Spdr P S&p 500 Growth ETF	—	EXIT	Sold out
37	IBIT	Ishares Bitcoin Trust ETF	—	NEW	New buy
38	JEPI	Jpmorgan Equity Premium Inco	—	NEW	New buy
39	HYG	Ishr Ibx Usd Hiyld Cb Etf-ui	—	EXIT	Sold out
40	IHE	Ishares US Pharmaceuticals E	—	NEW	New buy
41	XLY	Ss Consumer Disc Select Sect	—	EXIT	Sold out
42	IWM	Ishares Russell 2000 ETF	—	EXIT	Sold out
43	BKHY	Bny Mellon High Yield ETF	—	EXIT	Sold out
44	SPY	Ss Spdr S&p 500 ETF Trust-us	—	EXIT	Sold out
45	XLP	Ss Consumer Staples Sel Sect	—	NEW	New buy
46	IYH	Ishares U.s. Healthcare ETF	—	EXIT	Sold out
47	SPYI	Neos S&p 500 High Income ETF	—	NEW	New buy
48	ABBV	Abbvie INC	—	NEW	New buy
49	CLOI	Vaneck Clo ETF	—	EXIT	Sold out
50	XOM	Exxon Mobil CORP	—	NEW	New buy

Filing History

Period	Filed	Type	EDGAR
2026-03-31	2026-04-24	13F-HR	View on EDGAR
2025-12-31	2026-01-21	13F-HR	View on EDGAR
2025-09-30	2025-10-20	13F-HR	View on EDGAR
2025-06-30	2025-07-15	13F-HR	View on EDGAR
2025-03-31	2025-04-28	13F-HR	View on EDGAR
2024-12-31	2025-02-05	13F-HR	View on EDGAR
2024-09-30	2024-10-23	13F-HR	View on EDGAR
2024-06-30	2024-08-28	13F-HR	View on EDGAR