Our financial planning process is rigorous. Its benefits are substantial. Unlike other firms, we do a vast amount of work for you before we’re officially engaged and charging for our services.

This is how the relationship gets started:

Initial phone call

We get a sense of what you’re looking for in a firm, and what kind of help you’ve had in the past. We discuss how you’ve achieved your wealth, and what challenges and concerns keep you up at night.

Next we talk through our introductory three-meeting process, and what’s required to make it a success. At the end of the call, if we both decide to move forward, we schedule our first meeting. To get you oriented, we send you more background on Heritage, some data-gathering forms and a checklist of info you’ll need to bring to our first meeting.

Quick Overview of the Financial Planning Process

Listen as Sammy Azzouz, President of Heritage, describes the three-meeting process, and how it provides the strongest foundation for a successful financial planning experience.

Meeting #1: Discovery

We ask a lot of questions and let you do most of the talking. We go over the forms you completed, review your statements and documents, and discuss and prioritize your goals. We address any questions you have about Heritage, then we schedule our next meeting. This deep dive into your situation helps us establish right up front what is most important to you. You’ll see these insights reflected in your financial plan.

Meeting #2: State of the Union

We shine a bright light on your current financial situation. We present a detailed breakdown that includes these elements:

  • Net worth statement

    We go beyond just assets and liabilities. Your net worth statement itemizes your savings and investments, retirement accounts, real estate, life insurance and more. It includes details about account values, beneficiaries and ownership, too. If you’re like most people, you’ll love seeing all this information pulled together in one concise, comprehensive document.

  • Current financial plan

    We project your cash flow well into your retirement years. Our projection is based on your current and future expected income, taxes, your spending plan, your goals and future aspirations, the projected performance of your current investments, inflation and many more factors, such as whether you’re buying a house, sending three kids to college or expecting to inherit assets. The plan shows how your finances are likely to look if you stay on exactly the same course you’re on now.

  • Current portfolio

    We highlight the strengths and weaknesses of your current investments. We present easy-to-read charts and graphs that illustrate what you own, how diversified you are, how much you’re currently paying in fees, and more.

Meeting #3: Financial Planning Recommendations

We present you with the fruits of all our analysis, including a detailed financial plan with specific recommendations and investment strategies. Whenever possible, we identify opportunities to:

  • Improve your future cash flow
  • Retire comfortably (or continue enjoying retirement comfortably)
  • Minimize future tax liabilities
  • Protect your assets with the right insurance coverage
  • Distribute your assets efficiently

We lay out our investment philosophy and present a recommended portfolio customized to your goals, risk profile, cash flow needs and more.

Finally, we present you with an estimated timeline for execution and a plan for collaborating with your accountant, attorney and insurance agent to accomplish the goals established in your financial plan.

Making it official

If we’ve made it this far, chances are we’ll both decide to move forward together. To make the engagement official, you sign our Heritage asset management agreement*. We walk you through all the necessary paperwork and the mechanics of the account transfer process. You’ve now entered a crystal-clear, confident new era for you and your family.

*Our compensation is fee-based. Each year, you pay us a percentage of the assets we manage for you. The percentage decreases as your level of assets increases. You’ll find our fees very competitive with those of other firms.

6-week check-in

After six weeks, we invite you in for a status update. We bring you up to speed on your asset transfers and update your net worth statement with the new accounts. Together, we prioritize your financial planning goals. And we make sure you’re finding everything you need on our online client portal.


As often as once a quarter, we sit down with you to update your plan. We review portfolio performance and progress on financial planning projects. We discuss new goals and objectives. And we identify opportunities for the future. Before each meeting, we solicit your input on needs or questions you have, and incorporate them into our agenda.

Access to your Heritage team is wide open. Communication is frequent. We’re available to you every day, year-round. Life can get complicated. With Heritage, you have a team of experts to consult with on any topic, any time you need us.