Heritage provides expertise in the following areas:

Portfolio Management – Managing the investment portfolio is the cornerstone of any integrated wealth management solution. This is a complex, time-intensive and dynamic process that requires constant attention. It is therefore imperative to select a qualified professional who will objectively maintain vigilance over the portfolio. Our expert team of portfolio managers will create a custom portfolio solution for you. We will work with you and your other professional advisors in the monitoring and evolution of the portfolio over time.

Advanced Planning – We work closely with your attorneys and other professionals in the ongoing management of the wealth transfer plan. Heritage was created by estate planners and is well-versed in charitable giving, trustee services, and complex wealth transfer strategies.

Tax Management – Taxes are a complex challenge for any high net worth strategy. Heritage works with each client’s tax advisor to ensure that any tax impact is minimized.

Cash Flow Management – Proper cash management can be an administrative challenge, and poor cash management creates a drag on portfolio returns. From providing guidance on appropriate cash vehicles, to overseeing retirement account distributions and optimizing withdrawals, Heritage will construct a custom solution to alleviate the burden of cash flow management.

Relationship Management – Because we serve as portfolio manager, we are well-positioned to direct the overall wealth management strategy. We will take the time to understand your preferences and your goals, and we will be able to coordinate our activities with the other professionals on your wealth management team.

What We Do Not Do – Heritage is not a brokerage firm; we are a fee-only Registered Investment Advisor (RIA). We do not custody assets, we are not compensated by commissions and we have no financial incentive to use one investment vehicle over another. As a fee-only advisor we are held to a higher fiduciary standard than a brokerage firm, and we are required by law to act in the best interest of our clients. This allows our clients to be confident that our advice is completely objective and free from conflicts of interest.