
Our planning is meticulous. The clarity it gives you is invigorating.
What do you value most in life?
What kind of lifestyle do you want?
What kind of legacy do you want to leave?
We want to know your dreams and aspirations. That’s the foundation of your personal financial plan. But there’s more. We’re going to ask about all the small details, because they matter.
At Heritage, we monitor over 100 distinct data points for our clients' financial plans.
Those data points cover specific details relating to retirement planning, asset protection, debt management, social security, estate planning, income tax planning, charitable giving, college savings, and more.
Our Financial Planning Checklist ensures these important details are:
- Tracked by our systems
- Systematically shared with your Wealth Management Team to prompt reviews and updates with you to make sure nothing gets stale or goes overlooked
- Monitored as the investing and regulatory environment changes, so we can make recommendations about changes you should be considering
But there’s more. We believe maintaining and monitoring this level of detail is so crucial to the effectiveness of your financial plan, that we have tied the tracking and updating of this information to the goals and incentives of our Financial Planning and Wealth Management teams.
Your financial plan is dynamic because life is.
- Wondering if you can afford a second home? We can run scenarios on different financing strategies.
- Thinking about setting a retirement date? We can review “what-if” scenarios and stress-test the assumptions under different market environments.
- Worried about changes to tax laws? We can show you the impact and help you plan.
We are constantly reviewing your goals, celebrating your accomplishments, and making recommendations. All while collaborating with your other advisors.
When we say every detail matters, we mean it.
Our process
From here to serenity
Complimentary Three Meeting Process allows you to road test working with us before you become a client
Discovery
You talk. We listen. We learn all about your goals, objectives, financial situation, and what keeps you up at night.
State of The Union
We provide an analysis of your current financial position and compare that to your goals and objectives.
Recommendations
We present a detailed financial plan with custom recommendations and investment strategies.
PERSONALIZED WEALTH MANAGEMENT FOR BUSY, SUCCESSFUL PEOPLE
To get the ball rolling, send an email to hfsletstalk@heritagefinancial.net. Or, if you prefer, you can fill out this simple form.
Learn About Who We Serve
What Our Clients Say
We feel very fortunate that we chose Heritage to be our financial managers. We know our savings are in good hands.
Kathy & Gary , Massachusetts
Over the years that I have been a client at Heritage, they have done a superb job of listening to my financial goals, and helping me achieve them. Thanks to them, and all things being equal, my retirement is and will be calm, financially sound, and will allow me to remain as independent as I wish. I value their insight, respect their continuing research, and appreciate that they continuously study to remain informed and current about the markets and the financial future we can all look forward to.
Sue , Massachusetts
Mary and I have long thought that one of the best things we have done is to use Heritage Financial to take care of our financial affairs. In that regard, we feel Heritage Financial is doing an excellent job and quite frankly, we sleep well at night without any money worries. But more than that, we have met very nice, friendly, professional people at Heritage. Mary and I value these relationships very highly. The service that you both provided me today is deeply appreciated and more “frosting on the cake”.
Heritage Clients , Massachusetts
Our experience with Heritage Financial services, has been nothing short of admirable. We have been with Heritage Financial for a long period of time, in which we’ve developed a strong and lasting relationship and friendship with many of the wealth advisors there. The advisors have been kind, honest, trusting and compassionate. Their advice has helped us make important financial decisions. We have recommended Heritage Financial to many of our friends, and family, and we will continue to recommend them.
Heritage Clients , Massachusetts
Peace of mind and a feeling of security is what all of us wish for as each year flies by during these uncertain times. I wish I had not waited until 2019 before enlisting the help of HFS, but better late than never!
The team at HFS is approachable, accessible, professional and they can explain even the most complex financial topics in laymen terms. The HFS team practices the perfect blend of the science as well as art of financial planning. I thank them for taking me and my family on as clients!
From a grateful client and her entire family , Massachusetts
This testimonial has been given by a current client of Heritage Financial Services. No compensation was provided for this testimonial.
Awards & Recognition
Selection criteria used to award each of these recognitions is available by clicking on the award logo.