Heritage Financial Services is an independent wealth management and financial consulting firm based in Western New York, with a satellite location in Southwestern Florida, that supports clients in developing and achieving their long-term financial goals. With industry roots dating back to 1968, we have built an extensive track record of delivering both exceptional advice and a highly personalized experience for our clients.
Since founding our firm with the name Heritage, we have always had a focus on multigenerational planning. While our services are valuable for clients of all types, we have found that we tend to provide the greatest benefit to families, as we help guide them through the multigenerational planning process.
Since founding our firm with the name Heritage, we have always had a focus on multigenerational planning. While our services are valuable for clients of all types, we have found that we tend to provide the greatest benefit to families, as we help guide them through the multigenerational planning process.
Services
Heritage Financial Services was founded by Stew and Steve in 2003, and from the beginning, our company mission has been to provide our clients with holistic and highly personalized financial advice combined with an exceptional level of service.
Our independent approach and decades of combined experience have helped us to navigate the ever-changing financial landscape, and having grown exclusively by word of mouth and client referrals, we now advise approximately $500 million of client assets.
Our independent approach and decades of combined experience have helped us to navigate the ever-changing financial landscape, and having grown exclusively by word of mouth and client referrals, we now advise approximately $500 million of client assets.
What is a Clearing Firm? A clearing firm (or custodian) provides trade execution, clearing, custody, and other related services for its customers' brokerage accounts. Our clearing firm, National Financial Services LLC, a Fidelity Investment Company, is a nationally recognized clearing firm, servicing more than 200 independent broker/dealers, banks, and insurance company correspondents.
No matter what your level of wealth, working with us can help you pursue your goals. Together, we'll go through a comprehensive process for managing your financial life and creating a long-term plan customized to your needs. By exploring each module in detail, we'll determine which ones require our immediate attention and which ones are more long-term in nature.
Retirement planning involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle. Because an individual's retirement years can span decades, retirement planning generally dominates other financial goals.
A successful plan put into place during the wealth-building life span should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.Qualified plans are employer-sponsored retirement plans such as 401(k)s and pension plans. Although there are contribution limits and strict distribution rules, these plans are popular because of their tax benefits.
A successful plan put into place during the wealth-building life span should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.Qualified plans are employer-sponsored retirement plans such as 401(k)s and pension plans. Although there are contribution limits and strict distribution rules, these plans are popular because of their tax benefits.
Accumulation planning addresses an individual's investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance. In today's world, there are common needs and desires people seek to accomplish.
To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.Asset allocation is used to distribute your investable assets among a variety of investment categories.
To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.Asset allocation is used to distribute your investable assets among a variety of investment categories.
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Kim Playfair
Jul 10, 2020
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