Strategic Asset Allocation Services

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.

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.

Click Here To Call 781-255-0214

Click Here To Email Us

Frequently Asked Questions

Why is a strategic asset allocation important?

A strategic asset allocation considers the long-term investment goals outlined in your financial plan and represents an asset allocation that is appropriate for you over your time horizon, barring any meaningful change in your financial situation. A key benefit of establishing a strategic asset allocation is keeping you from overreacting to the year-to-year noise and volatility of certain investments, which can ultimately help to keep you on track to meet your investment goals.

What is asset location?

Asset location is a strategy of using different account types account types to reduce the tax impact of the investments you make. It includes placing asset classes that typically have higher tax burdens (like income producing bonds and dividend paying stocks) in tax favored account types (like retirement accounts). Likewise, asset classes that generate lower tax burdens (like growth stocks) are placed in non-retirement accounts. When done well, asset location supplements your total portfolio’s strategic asset allocation—implementing the same investment strategy overall but holding different investments in each of your accounts.

When should I adjust my asset allocation?

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!!