# Heritage Oak Wealth Advisors

> Heritage Oak Wealth Advisors is an SEC-registered investment advisory firm in Santa Rosa Beach, FL, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 25, 2026.

- CRD: 323925
- Filed as: HERITAGE OAK WEALTH ADVISORS
- Legal name: Heritage Oak Wealth Advisors LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Santa Rosa Beach, FL
- Filing period: October 2026
- Form ADV filing dated: February 25, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/323925
- AdvisorCensus page: https://advisorcensus.com/firm/heritage-oak-wealth-advisors-santa-rosa-beach-fl-323925

## Quick answers

**How is Heritage Oak Wealth Advisors compensated?**
On its Form ADV (Item 5.E, October 2026), Heritage Oak Wealth Advisors reports these compensation arrangements: a percentage of assets under its management; other.

**How much does Heritage Oak Wealth Advisors charge?**
Its Form ADV Part 2A brochure dated February 25, 2026 states: Hourly rate: $250 an hour (financial planning and consulting). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Heritage Oak Wealth Advisors located?**
Heritage Oak Wealth Advisors' principal office is in Santa Rosa Beach, FL, according to its Form ADV; the March 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Heritage Oak Wealth Advisors registered with the SEC or a state?**
Heritage Oak Wealth Advisors is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 323925.

**How much does Heritage Oak Wealth Advisors manage?**
Heritage Oak Wealth Advisors reports $347,388,042 in regulatory assets under management in its Form ADV filing dated February 25, 2026 (100% discretionary).

**How have Heritage Oak Wealth Advisors' assets and staff changed since 2023?**
In the Form ADV data for Heritage Oak Wealth Advisors: Regulatory assets under management: $170,054,124 in the October 2023 data and $347,388,042 in the October 2026 data, up 104%. Total employees: 5 in October 2023 and 11 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Heritage Oak Wealth Advisors serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (177); high net worth individuals (63); corporations or other businesses not listed above (1).

**Which custodians does Heritage Oak Wealth Advisors use?**
Heritage Oak Wealth Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Heritage Oak Wealth Advisors report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/323925

**Does Heritage Oak Wealth Advisors state an account minimum?**
Its Form ADV Part 2A brochure dated February 25, 2026 says: "We do not have a minimum account size for our asset management services."

**What changed in Heritage Oak Wealth Advisors' recent Form ADV filings?**
In the March 2026 filing data: Employees performing advisory functions went from 4 to 5. Regulatory assets under management went from $289,910,705 to $347,388,042 (+20%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Other

### Fees and minimums (Form ADV Part 2A brochure dated February 25, 2026)

- Account minimum: None

> We do not have a minimum account size for our asset management services.

- Hourly rate: $250 an hour (financial planning and consulting)

> Financial Planning and Consulting Fee Schedule Hourly Fee $250

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $347,388,042
- Discretionary: $347,388,042
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 177 | $75,356,213 |
| High net worth individuals | 63 | $271,902,549 |
| Corporations or other businesses not listed above | 1 | $129,280 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2022 (3 years)
- Employees: 11 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AR, FL, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the March 2026 filing
- Rogers, AR

### Websites listed on Form ADV (Item 1.I)
- [heritageoakwealthadvisors.com](https://heritageoakwealthadvisors.com)
- Facebook facebook.com
- Instagram @heritageoakwealthadvisors
- LinkedIn @35658750

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $170,054,124 | 5 | May 31, 2023 |
| October 2024 | $177,775,389 | 5 | March 5, 2024 |
| October 2025 | $289,910,705 | 5 | April 15, 2025 |
| October 2026 | $347,388,042 | 11 | February 25, 2026 |

Regulatory assets under management: $170,054,124 in the October 2023 data and $347,388,042 in the October 2026 data, up 104%.
Total employees: 5 in October 2023 and 11 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Employees performing advisory functions went from 4 to 5.
- Regulatory assets under management went from $289,910,705 to $347,388,042 (+20%).

### December 2025
- Employees performing advisory functions went from 5 to 4.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Heritage Oak Wealth Advisors (CRD 323925): Form ADV filing data as of October 2026.