Resources

Market outlook 2022

2022 Market Outlook

Our Investment Team shares their 2022 market outlook, including 10-year forecasts for stocks, bonds, and real assets. Read the full Outlook to learn their expectations for inflation, interest rates, company earnings, and more.
tax planning 2022

Tax and Estate Planning for 2022

Here are the major personal tax changes anticipated to be effective starting in 2022 (unless otherwise noted).

Will My Beneficiaries Have To Pay Taxes On My Life Insurance Policy?

Under current law, death benefit proceeds from life insurance are generally income tax-free. If you name a spouse, child, or other individual as a beneficiary to a life insurance policy you own, that person will not have to report any of the proceeds as income due to your death.

Four Tools to Protect Against Inflation

Everyone is talking about the likelihood of inflation. We first started to hear concerns when the U.S. Federal Reserve Board (“the Fed”) responded to last year’s pandemic recession by lowering rates and injecting liquidity into the economy. To be fair, it was the same concern that was raised the last time the Fed lowered rates ...
Sale of a business

Resources for Business Owners

Over the last 25 years, Heritage Financial has helped many business owners stay focused on managing and growing their business by taking meticulous care of their financial planning. We’ve helped them strategize ways to maximize cash savings during working years, and set a plan in place for transitioning to retirement. We've gathered these resources to provide you insight on their most common questions and concerns.

Is an IRA to Roth Conversion Right for Me?

The tax code permits you to convert some or all of your Traditional IRA to a Roth IRA regardless of your age or income...
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