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.
From here to serenity
Complimentary Three Meeting Process allows you to road test working with us before you become a client
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.
We present a detailed financial plan with custom recommendations and investment strategies.
Learn About Who We Serve
What Our Clients Say
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
My Husband and I began to work with Heritage back in 2007. Since then, needless to say, our lives and the world have taken many turns. I am very pleased to say that Heritage has always helped us make the best possible decisions, based on whatever our needs were, at that particular time.
I trust Heritage implicitly to continue to manage my portfolio, especially during these challenging times.
Myrna, New York
As a long-time client, I have nothing but positive things to say about Heritage Financial. They have strong principles, solid investment strategies, great communication and look at the financial picture holistically - investments, savings, property, insurance, estate, education, etc. everything to help you reach your goals.
Heritage has gained my trust, they invest as if it were their own money.
In a few words - Personalized. Strategic. Detail oriented. Responsive.
Joe & Patti, 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.