Identifying an appropriate strategic asset allocation for your total investment portfolio is the first step in our process.
We analyze your overall financial planning goals to determine an appropriate level of risk for your investments.
We run a sophisticated proprietary investment analysis to identify an investment strategy that aligns with that risk target based on our long-term forecasts for return, volatility, and correlations across a broad range of asset classes.
We recommend a globally diversified allocation across public equities (U.S., developed international, and emerging markets), bonds, real assets, alternative investments and, where appropriate, private equity, credit, and real estate.
Once we have identified your total portfolio’s asset allocation, we will examine your various account types to determine an asset location strategy that optimizes tax-efficiency in line with your strategic asset allocation.
We will adjust your strategic asset allocation over time if (1) a change in your financial plan warrants an adjustment or (2) significant investment risks or opportunities arise in market conditions.
Frequently Asked Questions
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.