Wealth management is the utilization of processes, 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 incorporates financial advisors, CERTIFIED FINANCIAL PLANNERS™, attorneys, Certified Public Accountants and insurance specialists to provide an all-encompassing approach to wealth management.

It is important, if not vital, to understand where your Financial Advisor’s interests are aligned. There has never been a time when it was more prevalent than now to ensure you are entrusting your financial well-being with a financial advisor who will always act in your best interest. Heritage Wealth Management is a Registered Investment Advisory firm and maintains a fiduciary license, the highest level of regulatory standards in the financial advisory industry. The fiduciary duty standard requires Heritage to adhere to heightened levels of due diligence and feasibility requirements, helping ensure every investment selection is not only soundly managed but is appropriate for each individual client’s portfolio.  Additionally, Heritage is precluded from collecting commissions on investments, but is compensated on a strictly fee-only basis. By removing the conflicts of interest inherent in commissions, Heritage financial advisors are exclusively focused on serving the best interest of their clients.

Heritage Wealth Management is a full service financial advisory firm.  Some of the services we provide include:

  • Financial Planning
  • Retirement Planning
  • Investment Management
  • Qualified Retirement Plans
  • Social Security planning
  • Insurance Gap Analysis
  • Income planning
  • Legacy planning
  • Cashflow Analysis
  • Withdrawal strategies

Financial Planning

The importance of knowing what financial path you are on today should not be understated. As you navigate through life you are presented with countless choices and face many risks. You do your best to avoid risks and make the best choices possible, but the future is not clear, and you don’t always know if you’re making the right decision. The sooner you identify risks and the better informed you are, the clearer your financial path will be. Developing a comprehensive financial plan can provide peace of mind by helping you take actions today that will result in the lifestyle you want tomorrow. By working with a Heritage Financial Advisor and Planner, you will receive a fully custom and professionally developed financial plan tailored to your life. We will guide through identifying your financial goals, and help expose and resolve many of the hazards that can derail you from your desired path.  Some of these risks include:

  • Inflation
  • Longevity
  • Market Volatility
  • Education expense
  • Withdrawal rate
  • Taxation
  • Legacy transfer
  • Mortality
  • Disability
  • Long term Care

Your financial plan serves as the foundation upon which we make recommendations, develop strategies, and provide advice.  Your life is constantly changing, therefore you financial plan must be dynamic. As we work together, we will continually monitor and update it as changes happen in your life.  We will regularly stress test the plan to make sure you are not over exposed to any specific risks as well as to make sure you remain on track to accomplish your goals. As you face financial decisions in the future we can illustrate the various outcomes and how they will affect your plan in order to help you make a well-informed decision.