Investing beyond traditional stocks and bonds
Today’s markets require long-term investing strategies, 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 and bond investment portfolio.
Heritage Financial’s in-house investment team, with advanced designations and access to more than 10,000 investment products including alternative and private investments, can help you formulate a long-term investing strategy for your overall financial plan.
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, alternative investments, and real assets is key to building globally diversified investment 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 investing strategies and less efficient markets favoring active strategies.
- Rebalancing is a sensible methodology for risk management 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 investment return for your unique situation and risk tolerance:
To help you keep as much of your investment returns 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:
Asset Allocation
A risk-centric starting point that ensures tax-efficient, global exposure consistent with the goals of your overall financial plan.
Investment Selection
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.
Rebalancing
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 long-term investment strategies designed to maximize return potential for your unique situation and risk tolerance while helping you keep as much of that return as possible.
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 long term investing 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
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
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
I am a long-time client of Heritage. I highly recommend them. They are a highly coordinated team who have responded to all of our financial needs, update us regularly and always respond promptly to and questions we ask. They are very professional, friendly and easy to work with.
Peter , 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
The team at Heritage Financial Services helped us reach our goal of retiring without worry. We have placed our financial health and trust in their professional hands for the last 20 plus years. We can’t say enough about their attention to detail and assistance in helping us to understand market drivers and trends. They also helped us to understand how to eventually retire and spend the portfolio that we worked so hard to create over the years. I would highly recommend Heritage to anyone that wants to feel a sense of great trust in their financial advisor…and I have!!
Lorrie , 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.
