Our clients come to us because they want to feel confident about their finances. They may feel anxious that they will run out of money in retirement, or they might need financial clarity and organization for the needs of a growing family. They appreciate the collaborative approach that we offer in designing a comprehensive financial plan to address their concerns and achieve their goals. We see our clients as our family, offering all the guidance, encouragement, and education they need to move forward with confidence.

Our Process

Our goal is to empower you to achieve what you want to do in life. That’s why we have developed a six-step process that helps us to understand your goals, build the financial and investment strategies to help you reach them, and provide the ongoing implementation and oversight to help ensure that our planning adapts with your life.

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Introductory Conversation: Our Introductory Conversation is designed to determine whether our philosophy and process are a good match for what you need from a financial advisor.

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LifeMap Discovery: LifeMap Discovery enables us to gather sufficient information to understand your goals, your current situation, and everything else we need to know to develop your prioritized plan.

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LifeMap Planning: We review and discuss your draft Investment Plan, and determine next steps.

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Implementation Meeting: We resolve your outstanding questions or concerns, and then review and sign documents to open your new accounts, transfer assets, and implement investment strategy and allocation.

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New Client Welcome: We review our process, statements, and other documents to confirm your understanding of strategy implementation and how to access information. We will begin work on your top action items.

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Progress Meeting (ongoing): We discuss any updates to your family, employment, and financial situation; discuss planning issues; review progress toward your goals; and answer your questions.

Services

Our objective is to help you develop a clear vision for the future and provide comprehensive wealth management strategies to attain that vision. Your recommendations will be based on your specific needs and goals and may include the following:

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Our Investment Philosophy

We believe that we should do the utmost to give you confidence in your financial direction. One way we strive to achieve this is through our investment management services. Rather than tie the success of your investment portfolio to an index, we tie its effectiveness in how close it brings you to your goals.

To help ensure that your investments are working toward your objectives, we emphasize strategies that are low cost and tax efficient. What’s more, we select your strategies based on 80-plus years of financial market data, Nobel Prize–winning economic research, and in-depth studies of investor psychology and behavior.

Our core strategy for equities and bonds is based on these central tenets:

  • Accept market efficiency

  • Invest in the dimensions of risk where risk is rewarded over time

  • Effectively and thoroughly diversify asset classes

  • Customize each client’s portfolio based on return and risk objectives and constraints

  • Exercise patience and discipline

Where appropriate, we may also offer alternative investments as a part of a diversified portfolio with the goals of increasing returns, lowering overall volatility, and optimizing taxes.

How We Are Different

We have a passion to help our clients meet the unique challenges of their life stage and achieve their goals. Because of our focus, we do things differently from other wealth management firms.

Commitment to Your Best Interests: We want our clients to succeed for life, which is why we are committed to our fiduciary obligation to put their best interests first. Serving as a fiduciary helps eliminate conflicts of interests and builds our clients’ trust in the integrity of our advice.

Values Count: We help you reach a better understanding of how you relate to money, what it means to you, and how these values drive your decisions. Combined with our LifeMap process to discover your goals, we build personalized financial and investment plans while giving you the self-understanding to make informed decisions.

Risk Outreach: Because your financial well-being is tantamount to us, we focus on identifying potential risks to your family and goals. We then build strategies to address those risks so that you can continue moving forward.

A Team Approach: Though you will work one-on-one with a primary wealth advisor, you can rest assured that you have the support of the entire Heritage Financial team.

Expertise to Serve You: Our wealth advisors have attained an array of certifications to serve your diverse needs. Some of our credentials include the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, Chartered Wealth Manager® (CWM®), and Master of Business Administration (MBA).

A Network to Serve Your Needs: We will work closely with your tax, legal, and insurance professionals to make sure all aspects of your financial planning are covered and managed. We can also provide referrals to carefully vetted professionals.

A Focus on All Decision-Makers: We carefully lead all decision-makers in the family (such as spouses, partners, parents, and adult children) at a pace that helps ensure everyone is on board and in sync with one another before moving forward. We don’t want anyone to feel left behind or in the dark as we talk through potential strategies.

A Culture of Family: We tend to establish long-term relationships with our clients, whom we view as part of our family. We enjoy getting to know our clients away from the office and offer fun events throughout the year.

Schedule a Consultation

We offer a complimentary introductory conversation to discuss your situation
and explore how we can help you.