Providing Professional, Timely, and Unbiased Advice
Protecting Your Wealth Today, Building Your Life-Long Wealth Tomorrow
Our mission is to help clients maintain financial viability in the present while taking a proactive approach to achieve future wealth goals. Through intensive research, strategic analysis, and a comprehensive understanding of our clients’ present and future needs, we help our clients thrive today and tomorrow.
Strategic, Forward-Thinking Certified Public Accountants
Our CPAs are strategists and planners first, and accountants second.
Does your CPA firm provide a mere commodity, easily replaced by computer software? If tax time feels like a burden that gets in the way of real business, then your answer is probably yes. This is why we formed HFO Certified Public Accountants, the CPA arm of Heritage Family Offices, to bring strategic, forward-thinking tax planning services to our clients.
Our CPAs focus on your needs today while planning for threats, opportunities, and concerns in the future. Far too often, less strategic CPAs provide advice and perspectives that are short-sighted, referring to “this year” as the tax year that had just passed.
At HFO, our CPAs are firmly rooted in the present while continually thinking about the future.
HFO CPA Services
Complete Tax Planning
Advanced Income and Estate Tax Strategies
Tax Return Preparation
Compiled Financial Statements
IRS Representation and Tax Controversy
Proactive Financial Planning with an Income Tax Focus
Income taxes are among the greatest of life’s expenditures yet are often an afterthought. Proactive financial planning is woefully incomplete without a deeply intense income tax focus at its core. Every financial decision should be filtered through the lens of tax planning, and proper tax planning can only happen with consistent involvement by the tax expert in every major financial decision. That is why our CPAs carefully and deliberately consider income taxes before making any recommendation.
Skillful Lawyers Focused on Preserving Your Wealth
HFO Law Group focuses exclusively on areas that complement our clients’ present and future financial goals.
Building, growing, and preserving wealth requires skillful lawyers who understand how to navigate complicated laws involving estate planning, asset protection, and other matters concerning high net worth individuals. Our lawyers are present in every detail of your financial life, working alongside your CPA and wealth management team to architect legal strategies and solutions that preserve your wealth today and in the future.
Basic Estate Planning
Wills, Trusts, Durable Powers of Attorney
Health Care Concerns
Health Care Powers of Attorney, End of Life Decisions
Advanced Estate Planning
Qualified Personal Residence Trusts, Irrevocable Life Insurance Trusts, Grantor Trusts, and Spousal Lifetime Access Trusts
Philanthropic Planning
Charitable Remainder Trusts, Charitable Lead Trusts, Private Foundations, Charitable Limited Liability Companies
Succession Planning
Buy-Sell Agreements, Operating Agreements, Bylaws, and associated planning
Asset Protection
Entity Structuring, Irrevocable Trusts, and more
Advanced Income Tax Planning
Creating Dynamic Financial Plans to Fit Your Life
A United, All-Encompassing, Multi-Disciplinary Approach to Wealth Management
Wealth management, as a practice, is the utilization of services and products to grow, protect, utilize, and disseminate wealth. Effective wealth management requires a united team of professionals working together across multiple financial service industries. Heritage Family Offices, LLP incorporates financial advisors, Certified Financial Planners, Attorneys, Certified Public Accountants, and insurance specialists to provide an all-encompassing approach to wealth management.
Wealth Management Services
Financial Planning
Retirement Planning
Investment Management
Qualified Retirement Plans
Social Security Planning
Insurance Gap Analysis
Income Planning
Legacy Planning
Cashflow Analysis
Withdrawal Strategies
We’re Here For You
As you navigate through life, you are faced with countless choices and uncertainties. You do your best to avoid risks and make the best choices, but the future is not clear, and you do not always know if you are making the right decision. The sooner risks are identified and the better informed you are, the clearer your path and the easier it is to realize your long-term goals. Financial planning is no different.
Insurance Strategists, Not Insurance Salespeople.
A Vital Part of a Well-Diversified Portfolio
You already know how important diversity is to your overall net worth. Diversification helps reduce risks, generates less correlated returns, and provides the potential for future income. But what you may not have considered is the vital role insurance plays in your overall diversification analysis. When used properly, and in conjunction with the need for coverage, the investment components and tax preferential treatment of many insurance policies can serve as a vital part of a well-diversified portfolio. Insurance can also play an important role in long-term retirement, health care, and cash flow planning.
Heritage Insurance Services
Life Insurance:
Indexed Universal Life, Term, Whole Life
Alternative Funding Mechanisms:
Premium Finance, Premium Funded
Long-Term Care
Disability Insurance