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If you’re like most people, you make your financial decisions one at a time: purchasing a home, making benefit elections through your employer, purchasing insurance, and making decisions to save and invest. These decisions are made one at a time, without consideration of the impact that one decision may have on the others.

But most importantly, these decisions are often made without stopping to consider what is really important to you and your family. The financial planning process allows you to take a step back and determine what you want to accomplish and ensures you are making the decisions that will enable you to reach your goals and dreams.

Comprehensive Financial Planning Pic

At Heritage Financial Services LLC, we provide expert assistance in the following areas:

Investments and financial strategies

  • Bonds
  • Common Stock
  • Educational IRA
  • Brokerage Accounts
  • Traditional IRA
  • Roth IRA
  • Simple IRA
  • Treasury Bills
  • Government Securities
  • Treasury Notes
  • Variable Annuities

Comprehensive Financial Planning including:

  • Current financial Position analysis
  • Protection Planning
  • Investment Planning
  • Tax Planning
  • Retirement Planning
  • Estate Planning


  • Disability Income Insurance
  • Life Insurance
  • Long Term Care Insurance
  • Individual Health Insurance
  • Group Health Insurance

Separate from the financial plan and an advisors' role as financial planner, an advisor may recommend the purchase of specific investment or insurance products or accounts.  These product recommendations are not part of the financial plan and clients are under no obligation to follow them.