At Heritage Financial Services we are committed to continually helping our clients improve their financial prosperity with customized strategies that take into consideration their entire financial picture. By taking the necessary steps to position themselves for pursuing their financial goals, our clients can gain greater confidence in their future financial prosperity.

Each client is approached as an individual with unique needs and expectations. Our basic philosophy has not changed over decades of service. We listen to our clients. This personalized approach helps make Heritage Financial Services a positive resource in developing, implementing and maintaining a business or individual financial strategy. Through our recommendation process, we assist clients in selecting the product and services that make the most sense for their situation. We promote a "buy and hold" strategy based on proper asset allocation and diversification across the portfolio. Studies have shown that this strategy yields better results over time than attempts to "time" the market. Past performance is not indicative of future results. As an independent organization, we are positioned to provide objective recomendations. In addition, we have developed strategic relationships with companies who share in the belief that success is dependent upon placing the long-term interests of our clients above our own. Through the joint efforts of these strong relationships, we are able to provide better service to the clients of Heritage Financial Services, .

Our Process Includes Five Basic Fundamentals:

  • Establish a Safety Net of Cash and Insurance
  • Get Started Early and Accumulate Money Systematically
  • Reduce the Impact of Income Taxes
  • Lower the Risk With Minimal Impact on Return
  • Build a Portfolio Which Matches Your "Personal Profile"


Financial Professionals do not provide specific tax or legal advice. This information should not be considered as specific tax or legal advice. You should consult your tax or legal advisor regarding your own specific tax or legal situation.

Asset allocation, which is driven by complex mathematical models, should not be confused with the much simpler concept of diversification. A diversified portfolio does not assure a profit or protect against loss in a declining market.