Fred is the President and a Founding Partner of Heritage Investment Group. He holds a bachelors degree from Washington College and an MBA from Florida Atlantic University. Fred holds the Chartered Financial Analyst (CFA) designation and is a member of its sponsoring organization, the CFA Institute. Fred is a Certified Financial Planner (CFP) practitioner and is a member of the Financial Planning Association. He is also a member of the South Florida Society of Financial Analysts. As President of the firm, Fred’s duties include portfolio management, marketing, and direction of the firm’s asset allocation strategies. Fred resides in Lighthouse Point with his wife Laura and their two children. He is a member of the local Rotary club and currently is a member of its foundation board. Fred is actively involved in his community through coaching soccer and is a member of the city’s planning and zoning board. Fred enjoys boating, fishing and traveling.

 

Tim is the Chief Investment Officer and a Partner of Heritage Investment Group. He holds a bachelors degree in finance with high honors from the University of Florida, and an MBA from the University of Chicago. Tim’s career in the financial services industry began as an investment banker with Smith Barney, where he underwrote public bond offerings for municipalities throughout Florida and the Southeast. After earning his MBA, Tim was a Vice President of Institutional Sales with Raymond James and Associates, where he provided investment advice to equity portfolio managers at leading financial institutions throughout the Midwest. He has given extensive public lectures on many topics including investing, financial literacy and fiduciary responsibility. As Chief Investment Officer of the firm, his duties include research, investment strategy and portfolio management. Tim lives in Tampa with his wife Jenny and their two children, he is fluent in Spanish and he enjoys Florida Gator football, foreign travel and philosophy.

 

Hardy is the Vice President, Chief Compliance Officer and a Partner of Heritage Investment Group. He joined the firm five months after its inception in 1993. Hardy holds a bachelors degree from Washington College and an MBA from Florida Atlantic University. Hardy is a Certified Investment Management Analyst (CIMA) as well as a Certified Investment Management Consultant (CIMC). Hardy is also a member of the Investment Management Consultants Association (IMCA) and a former 15 year member of the local Rotary club. As Vice President of the firm, Hardy’s primary duties include client servicing, asset allocation strategies and SEC and state regulatory compliance. Hardy is married with two children. He enjoys boating and fishing.

Ian is the Controller and a Partner of Heritage Investment Group and has been with the firm since 1994. Ian holds a bachelors degree from Florida State University. He is an active board member of the local Rotary club and is involved with many other community organizations in South Florida. As Controller of the firm, Ian’s roles include the preparation and presentation of quarterly portfolio performance reports, management of the firm’s internal accounting systems and oversight of many administrative activities at the firm.

 

Craig is a Portfolio Manager at Heritage Investment Group. Craig holds a bachelors degree in finance from Florida Atlantic University and is currently a Level III candidate in the Chartered Financial Analyst program. Craig began his career as a financial advisor with American Express where he provided comprehensive financial planning advice. Prior to joining Heritage, Craig worked for six years as a Financial Consultant with Charles Schwab & Company where he developed and maintained client relationships primarily focusing on investment analysis and portfolio management. His primary responsibilities at Heritage include portfolio management, client servicing and marketing. Craig was born and raised in South Florida and resides in Weston with his wife Cecilia and their children. He enjoys raising his two sons, running and is an avid music collector.

 

Stacy is a Portfolio Manager at Heritage Investment Group. Stacy began his career as a financial advisor in 1990 with J.W. Gant & Associates and later with Euro-Atlantic Securities. Prior to joining Heritage, Stacy worked for ten years as a Financial Consultant and Acting Branch Manager for Charles Schwab & Company where he developed and maintained client relationships with high net-worth individuals. Stacy’s primary responsibilities at Heritage include portfolio management, client servicing and marketing. Stacy is also an active member of the Boca Raton and Lighthouse Point Chambers of Commerce. Stacy lives in Boca Raton and enjoys spending free time with his wife Mimi and their two daughters.

 

Ann Marie is the Director of Business Development for Heritage Investment Group. Ann Marie joined the firm in 2009. She holds a bachelors degree in advertising from the University of Florida. Ann Marie started her career in financial services as a Financial Advisor with GE Capital and Liberty Financial. Ann Marie has brought her financial services and advertising background to Heritage and applied it to the area of business development. Her responsibilities at the firm include client communications, marketing and public relations.

 

Frederick is a Founding Partner of the law firm of MacLean & Ema and a Founding Partner of Heritage Investment Group. Fred holds a bachelors degree from Johns Hopkins University, his Chartered Life Underwriter (CLU) designation and a Juris Doctorate (JD), cum laude, from the University of Miami. Fred is a past president of the Pompano Beach Chamber of Commerce, past president of the Pompano Economic Group, a member of the local Rotary club and has been a very active community leader for thirty years. Fred’s practice specializes in estate planning and he was listed in the 1996 -1997 publication of Leading American Attorneys in Florida. Fred serves as head of the Heritage/MacLean & Ema Joint Planning Group for the integration of its mutual clients’ estate and investment management.

 

Sherry is a Partner of the law firm of MacLean & Ema. Sherry holds a bachelors degree from Florida Atlantic University and a Juris Doctorate (JD) from Nova Southeastern University. Sherry’s law practice is concentrated solely in the area of estate administration. She has been involved in a number of community activities over the years, served on the Board of Directors of the Community Foundation of Broward for six years and remains the Chairman of the Foundation’s Scholarship Committee. Sherry is an active adviser to Heritage Investment Group. In addition to being part of the Heritage/MacLean & Ema Joint Planning Group, Sherry serves as counsel to Heritage regarding post-mortem tax considerations for its deceased clients’ estates.

 

Darryl has been a member of Heritage Investment Group since 1997. Darryl holds a bachelors degree in accounting from Florida Atlantic University. His work experience includes that of a staff and senior accountant with Coopers and Lybrand. Along with a Coopers and Lybrand colleague, he formed the public accounting firm of Hinkle & Richter in 1979, where he has been a partner since its inception. Mr. Hinkle is also a Certified Financial Planner practitioner and in that capacity, assists clients in investment management projects. He is a member of the American Institute of Certified Public Accountants, Florida Institute of Certified Public Accountants and the Financial Planners Association. Darryl has served on the FICPA committee for Financial Planning. He is a former officer in the US Army.

 

Michelle joined Heritage in 2002. Prior to working with Heritage Investment Group, Michelle worked with the First Presbyterian Church in Pompano Beach as the Financial Secretary. Michelle is a key member of the operations department where she is responsible for the coordination of information shared between clients, custodians, investment managers and Heritage Investment Group.

 

 

Tracy is the Director of Trading at Heritage Investment Group. She joined the firm in 2003. Tracy holds a bachelors degree from Florida State University and is a licensed schoolteacher of mathematics. Tracy has brought her mathematics background to Heritage and applied it to the area of trading. Tracy’s responsibilities at the firm include supervision of trading activities and compliance reporting.

 

Kim joined Heritage Investment Group in 2006. Kim holds a bachelors degree in Psychology from the University of California, Irvine. Kim started her career in financial services as a sales assistant for a municipal bond broker before beginning a twenty year career with Charles Schwab & Co., Inc. In addition, Kim has experience working in the brokerage division of a private bank and a registered investment advisory firm. Her industry knowledge and experience contribute to the operations and compliance areas of Heritage.

 

Julia joined Heritage Investment Group in 2005. She holds two bachelor degrees, majoring in Psychology and Social Assistance/Welfare. She is currently working on a Masters Degree. Prior to joining Heritage, Julia was the General Director of a Foundation that specialized in international adoptions. Her background in human relations makes her a valuable part of the Heritage operations team. Julia is responsible for the daily computer systems integration of our back office.

 

Joanne joined Heritage Investment Group in 2008 as the company’s administrative assistant. Joanne holds an associates degree in Fine Arts and Merchandising. Prior to working with Heritage, Joanne had been employed in the financial services industry in marketing and administration.

 

 

Laura is an Estate Planning Attorney who provides consulting services to Heritage and works closely with members of Heritage in developing Estate and Wealth Management strategies for its clients. Laura holds a bachelors degree, magna cum laude, from Washington College and a Juris Doctorate (JD) from Nova Southeastern University. Laura is an Associate with the Law Firm MacLean and Ema, is a member of the Real Property, Probate and Trust Law and Tax Law Sections of the Florida Bar, and is actively involved in fundraising efforts in the local community.