Preparing for the Journey


We believe that proper preparation is the key to ensuring success in your financial journey. We start by seeking to thoroughly understand your current situation and determine exactly where you want to be. With the destination in mind, we analyze your situation and develop a plan to help you reach your goals. To get started we take the following steps:

Learn about your goals and financial situation

Initial Observation

Discuss potential action steps to improve your financial situation and present our applicable services and fees

Begin your Journey

Confirm that you desire to engage our service and we'll get started.

Once you have chosen Heritage to be your partner, we will present the initial draft of your Financial Plan and review the progress of any investment accounts or other assets that we will be managing. We will work closely with you and trusted professionals to implement your financial, tax and estate plans.

Staying on the Path


One of the distinguishing features of working with us as your partner is the ongoing monitoring and adjustments we perform on your behalf. Because we limit the number of clients we serve and are compensated directly by you on a fee basis, you can be confident you will receive our full attention and expertise to help you reach your goals. At regular appointments throughout each year we review three primary areas of importance:

Investment Plan Review

Review your investment allocation, philosophy and performance. Make adjustments as necessary.

Advanced Planning

Review and update your Financial and Estate Plans including your updated Net Worth Statement, retirement income projections, charitable gifting, insurance, business and career decisions, college planning, etc.

Tax Planning

Assess your current year's tax situation and coordinate with your CPA to implement any proposed tax reduction strategies before the end of the year.