Financial Planning

ROTH IRA Opportunities for Kids and Young Adults

A Roth IRA offers tax-free growth, making it a very attractive vehicle for young investors to take advantage of decades...

Creating a Post-College Financial Plan

If you (or someone you know) have recently graduated, congratulations! Here are five things that you can start doing...

Why Educators Should Pay Close Attention to Retirement Plan Fees

Many teachers have 403(b) employer retirement plans, which have saving and tax-deferral rules similar to 401(k)s....

Why We Often Recommend Our Clients Have a HELOC

A home equity line of credit (HELOC) may provide a borrower with needed cash if other liquid resources are not...

Tips for Preventing Fraud

Tips for preventing fraud Cybercrime and fraud are serious threats and constant vigilance is key. While Heritage plays...

Thinking of Downsizing?

Unlike so many of life’s moments of transition, the ideal time to downsize is different for every family. While it generally...

Lease or Buy Decision

Many big-ticket consumer items, such as cars, computers, and furniture, can be leased rather than purchased...

Avoiding Lifestyle Creep

One of my passions as a financial planner is to help people turn their career success into long-term financial success...

What your advisor can learn from your paycheck

Your paystub, or earnings statement, can provide worthwhile information to your financial advisor. In most cases...

How much is your emergency savings fund?

A long-standing rule of thumb has been three to six month’s worth of expenses. But that is a broad generalization...