Your goals are clarified dramatically, as is your path to achieving them. Your financial life is centralized and streamlined. Your outlook changes as you begin to feel a lot more relaxed and in control.
Our degree of rigor is our trademark. The attention to detail in the work we do for you - and the congenial, collaborative way we deliver it - defines our firm. So does our independence. It helps us avoid conflicts of interest, and allows us to align our goals as a firm squarely with yours.
We work well with clients who engage actively with us during the financial planning process and who share our investment philosophy. We encourage our clients to be involved and have a point of view. After all, it’s their vision we’re pursuing. Most of our clients fit into one of these categories.
Clients that need our level of financial planning and investment services typically have at least $1.5 million in investable assets. Regardless of asset size, we focus on making a philosophical and personality fit.
In line with our being your fiduciary - ethically committed to putting your interests ahead of all other considerations - we charge no commissions. Instead, you pay us a fee equal to a percentage of the total assets we manage for you. The fee starts at 1% and decreases as the assets we manage increase. Relative to other firms, you’ll find our fees very competitive.
Many people feel they can. But there’s a lot of specialized knowledge, discipline and experience we bring to the table. We will significantly improve your financial planning. We have the potential to substantially increase your investment performance, and protect you from costly mistakes.
Of course, that differs with each person’s situation. We go a long way very quickly for you during our three-meeting process. This is before you’ve even officially committed and signed our asset management agreement. Within the first three months we’ve made major progress. Within six to twelve months, most clients’ financial planning and organization are radically improved.
Yes. We provide clients a secure portal which offers convenient 24/7 access to exchange electronic documents, view accounts, allocations, transactions, holdings and much more. The client portal can be accessed by clicking “Client Login” located in the top right-hand corner of our website. The portal is also accessible via an app that can be downloaded to your Apple or Android phone or tablet, search for Heritage Financial Services, LLC and choose the free app with our Heritage logo. More information on how to use the client portal and the features within it can be found in this short video.
At Heritage, we take the security of our client’s confidential information very seriously, as well as security in general at a firm level. Our compliance program includes detailed policies and procedures, a robust data security and cybersecurity program, ongoing compliance training for staff, extensive third-party vendor due diligence, annual risk assessments, and annual compliance audits and reviews. As well, we are governed by the Securities and Exchange Commission (SEC) for our regulatory oversight.
To assure safekeeping of your securities, we use reputable, independent financial institutions to custody our clients’ accounts. Brokerage accounts held at our primary custodian, Schwab, are insured by the Securities Investor Protection Corporation (SIPC) for securities and cash in the event of broker-dealer failure.
Please contact your Wealth Management team to learn more about how Heritage protects our clients.
We do. From day one, it was important for founder Chuck Bean to create a level of independence that would allow our firm to focus solely on working in the best interests of our clients. Expanding our shareholder base over time ensures this independence, rewards the hard work and commitment of our team members, and provides staff continuity.
Employee-owners share common characteristics of exceptional performance, adherence to the firm’s core values of teamwork, integrity, and excellence, and contributing to the business beyond their job functions.