Please read these Terms of Use (“Terms”) carefully before using the https://www.heritagefinancial.net website (“Website”) operated by Heritage Financial Services, LLC (“us”, “we”, or “our”). Your access to and use of the Website is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Website. We may, at any time, modify, change or add to these Terms, and any modifications will be effective immediately upon posting on the Website. By accessing or using the Website you agree to be bound by these Terms. If you disagree with any part of the Terms then you do not have permission to access the Website.


The content of the Website is intended solely to provide general information regarding our business services and should not be construed as personalized investment advice. The information provided on the Website does not constitute, and is not intended as, an offer to buy or sell, any security, product, service and is not intended to be relied upon as investment advice. No portion of the Website should be interpreted as legal or accounting advice.


Market Commentaries and Blogs are written solely for informational purposes and are not an offer to buy or sell, any security, product, service or investment or be relied upon as investment advice. Due to various factors, including changing market conditions, the opinions expressed within commentaries and blogs were written based upon market conditions at the time they were written and may no longer reflect current market conditions, as a result, they are subject to change without notice. Heritage customizes client portfolios based on individual financial situations, therefore, various components of commentaries and blogs may not be relevant to each client’s personal portfolio due to, without limitation, portfolio legacy securities, portfolio size, tax considerations, investment accreditation and personal preferences. Past performance is not indicative of future results.


Our Website may contain links to third party web sites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites. You acknowledge and agree that Heritage Financial Services, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.


The Website and all of its contents, including, but not limited to, text, graphics, logos and images are owned by Heritage Financial Services, LLC or its third-party information providers and are protected by the United States and international intellectual property laws.



Heritage Financial Services collects information about you to help us serve your financial needs, provide customer service, offer new products or services, and fulfill legal and regulatory requirements. Any collection of personal information is to support our normal business operations and service your account.

Heritage Financial Services collects nonpublic personal, financial and health information about you from information we receive from you. The sources and the information collected may include:

  • Information on applications and related forms such as name, address, Social Security number, assets and income, and medical information if applying for insurance;
  • Information regarding your transactions with us such as products or services purchased, account balances and payment history;
  • Information from consumer reporting agencies such as credit relationships;
  • Information from your employer, association or benefit plan sponsor such as name, address, Social Security number, assets and income.


In the course of servicing your account, we may share information collected about our customers, as previously described above, to other unaffiliated service providers such as insurance companies, mutual fund companies, banks, broker dealers or investment firms to provide account maintenance or customer service to your account. We may also disclose your information to other organizations such as government agencies and law enforcement officials (for example, for tax reporting or under court order) or other organizations and individuals with your consent (for example, attorney or tax professional).


Heritage Financial services maintains physical, electronic, and procedural safeguards to guard your nonpublic personal information to ensure we are complying with our own policy, industry practices, and federal or state regulations. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices described in this notice.

We may disclose nonpublic personal information about you to unaffiliated third-party service providers that perform marketing or other services on our behalf.

Awards & Recognition

Selection criteria used to award each of these recognitions is available by clicking on the award logo.