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Heritage Financial Services is a comprehensive regional financial services firm, represented by some of the most knowledgeable and successful financial professionals. With over 300 years of cumulative experience, our team includes an investment specialist,a group benefit division, small business counselors, and specialists in Estate Planning.

Our commitment to outstanding service is evident in all our available resources: our quality staff, competitive products, and highly knowledgeable associates. We focus on making our clients comfortable in the knowledge that their financial security is our number one priority. >> Read More
Calculators

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

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Newsletters

Estate Conservation You Can Trust

Trusts are popular estate conservation tools that can help facilitate the smooth transfer of estate assets and maintain the family’s privacy.

Getting the Right Mix

Asset allocation is the process of dividing investment dollars among asset classes that often behave differently in different market cycles.

Working for Social Security

There's nothing wrong with wanting to work in retirement, but if you decide to earn some extra income, make sure you understand how it will affect your Social Security benefits.

Hot Topic: 2010: The Year of the Roth Conversion?

Starting in 2010, anyone, regardless of income, can convert retirement plan assets to a Roth IRA.

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Market Watch

July 29, 2010 @ 10:52 PM

Dow Jones Industrials 10,467.16- 30.72
Dow Jones Transportation 4,415.02- 5.30
Dow Jones Utilities 387.34- 5.78
Nasdaq Composite 2,251.69- 12.87
Nasdaq 100 1,860.30- 12.32
S&P 500 1,101.53- 4.60
S&P Mid-Cap 400 758.11- 3.57
S&P Small-Cap 600 348.94- 0.27
Russell 2000 650.43- 0.33
NYSE Composite 6,994.57- 4.61
AMEX Composite 1,886.92- 12.65
10 Year Treasury Note 2.99- 0.05
Wilshire 5000 11,485.16- 44.02

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