Beyond traditional stocks and bonds
Investing today calls for rigorous risk management, a broad opportunity set, and robust systems for real-time monitoring. Now that you’ve accumulated a meaningful amount of wealth, it’s time to move beyond the traditional 60/40 stock/bond portfolio. With an in-house investment team that holds advanced designations and has access to more than 10,000 investment products including alternative and private investments, Heritage Financial can help you make that move.
Our Investment Philosophy
Our investment philosophy is centered around several key principals:
- Strategic asset allocation is the primary driver of a portfolio’s performance.
- Your risk tolerance, not some arbitrary return target, should drive your strategic asset allocation.
- Value investing rewards long-term investors, so it makes sense to overweight asset classes and strategies that are trading at attractive valuations.
- Broad market coverage across stocks, bonds, alternatives, and real assets is key to building globally diversified portfolios that manage risk.
- Alternative and private investments can significantly improve the opportunity set and risk controls in a portfolio, when available.
- Asset classes are more or less efficient, with more efficient markets favoring passive strategies and less efficient markets favoring active strategies.
- Rebalancing is a sensible methodology for controlling risk but must be executed in a way that minimizes transaction costs and taxable gains.
- Disciplined execution of a sound investment process is key to avoiding the emotional biases that expose investors to costly mistakes.
Our investment approach is thoughtfully designed and intentionally structured to help you maximize return potential for your risk tolerance level and keep as much of that return as possible by avoiding the most common, costly, and unnecessary risks that plague even the most experienced investors.
To maximize your return potential for your unique situation and risk tolerance:
To help you keep as much of that return as possible:
We communicate the results clearly,
so you’re always apprised of where you stand.
Our Investment Process
Our disciplined process seeks to add value in four distinct ways:
A risk-centric starting point that ensures tax-efficient, global exposure consistent with the goals of your overall financial plan.
An exercise done in partnership with a nationally recognized institutional consulting firm that provides access to the styles and vehicles that align our investment philosophy with the goals of your financial plan.
An important tool structured to manage the risk of deviating from your strategic asset allocation with the trading and tax costs associated with making periodic portfolio adjustments.
Disciplined Execution and Ongoing Monitoring
A key part of our process driven by our robust trading and monitoring systems which allow us to avoid emotional biases and engage in highly proactive communication with you.
Our Investment Team
With CFA® (Chartered Financial Analyst) and CAIA® (Chartered Alternative Investment Analyst) designations, our Boston-based investment and trading team collaborates with a nationally recognized institutional investment consultant with more than 100 investment professionals to execute an investment strategy designed to maximize return potential for your unique situation and risk tolerance while helping you keep as much of that return as possible.
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.