Retiring confidently is the freedom to decide how you want to spend your time and money.
For years you’ve worked hard and saved diligently. You look forward to the time when that hard work will pay off. Eventually, that day will arrive and because you’ve planned for it with our retirement planning services you’ll march confidently onto the next adventure.
How do you picture your retirement?
At Heritage, your goals are our starting point. Do you want to stop working entirely so you can travel, take up hobbies, start a charity, or look after grandchildren? Or do you want to continue working but have more balance in your days?
No matter your vision, a successful retirement requires thoughtful, proactive retirement planning to get there.
Planning for retirement isn’t a one-time event. We know life changes.
Our wealth management teams sit down multiple times a year to review your financial planning and retirement goals, celebrate your accomplishments, and make recommendations.
We identify opportunities to make tax-favored retirement contributions based on your personal situation and how your financial picture changes from one year to the next. And we stay apprised of legislative changes so you can keep more of what you earn and increase your overall wealth.
Want to know if you could retire earlier, spend more in retirement, or move to a different state? We can show you what that looks like.
Are you worried social security might not exist when you retire, or your benefit will decrease? Our financial planning team can model several “what-if” scenarios.
The ability to illustrate the impact changes can have on your retirement goals allows us to brainstorm ways to address your concerns, mitigate risks, and confidently plan for your future.
Our goal is to take the financial burden off your shoulders so you can focus on what matters most to you.
We get to know you before you become a client through our detailed three-meeting process.
Discovery
You talk. We listen. We learn all about your goals, objectives, financial situation, and what keeps you up at night.
State of The Union
We provide an analysis of your current financial position and compare that to your goals and objectives.
Recommendations
We present a detailed financial plan with custom recommendations and investment strategies.
Creating a comprehensive financial plan is more than just numbers.
Our relationship starts with a personal conversation. We will dive deep into your goals, values, worries, and the legacy you want to leave.
Then, we’ll review your current financial situation−what your portfolio looks like and unique factors that may need special attention. Our experienced team members will identify risks and evaluate opportunities all to help you make informed, strategic decisions to reach your retirement goals.
Having a deep understanding of you personally, as well as financially, is essential to creating a comprehensive financial plan that can help you grow and protect your wealth.
PERSONALIZED WEALTH MANAGEMENT FOR BUSY, SUCCESSFUL PEOPLE
To get the ball rolling, send an email to hfsletstalk@heritagefinancial.net. Or, if you prefer, you can fill out this simple form.
The earlier you start planning for the retirement you want, the more confident you’ll be.
Retirement Planning Services Frequently Asked Questions
What Our Clients Say
Mary and I have long thought that one of the best things we have done is to use Heritage Financial to take care of our financial affairs. In that regard, we feel Heritage Financial is doing an excellent job and quite frankly, we sleep well at night without any money worries. But more than that, we have met very nice, friendly, professional people at Heritage. Mary and I value these relationships very highly. The service that you both provided me today is deeply appreciated and more “frosting on the cake”.
Heritage Clients , Massachusetts
As a long-time client, I have nothing but positive things to say about Heritage Financial. They have strong principles, solid investment strategies, great communication and look at the financial picture holistically – investments, savings, property, insurance, estate, education, etc. everything to help you reach your goals.
Heritage has gained my trust, they invest as if it were their own money.
In a few words – Personalized. Strategic. Detail oriented. Responsive.
Joe & Patti , Massachusetts
I am a long-time client of Heritage. I highly recommend them. They are a highly coordinated team who have responded to all of our financial needs, update us regularly and always respond promptly to and questions we ask. They are very professional, friendly and easy to work with.
Peter , Massachusetts
Our experience with Heritage Financial services, has been nothing short of admirable. We have been with Heritage Financial for a long period of time, in which we’ve developed a strong and lasting relationship and friendship with many of the wealth advisors there. The advisors have been kind, honest, trusting and compassionate. Their advice has helped us make important financial decisions. We have recommended Heritage Financial to many of our friends, and family, and we will continue to recommend them.
Heritage Clients , Massachusetts
The team at Heritage Financial Services helped us reach our goal of retiring without worry. We have placed our financial health and trust in their professional hands for the last 20 plus years. We can’t say enough about their attention to detail and assistance in helping us to understand market drivers and trends. They also helped us to understand how to eventually retire and spend the portfolio that we worked so hard to create over the years. I would highly recommend Heritage to anyone that wants to feel a sense of great trust in their financial advisor…and I have!!
Lorrie , Massachusetts
This testimonial has been given by a current client of Heritage Financial Services. No compensation was provided for this testimonial.
Awards & Recognition
Selection criteria used to award each of these recognitions is available by clicking on the award logo.