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    Home » Wealth Management » How We Operate

    How We Operate

    Our Core Values

    • You can feel confident that each member of the Heritage Financial Advisory team will act in accordance with each of our core values:
    • Always place the client’s needs first
    • Never mislead the client
    • Provide full disclosure of all relevant facts
    • Disclose and fairly manage all material conflicts of interest

    The Accountability Standard
    We work with and through numerous companies who each have a system of checks and balances to help ensure compliance with financial regulations is taking place.

    Our Network of Partners

    Our team seeks partnerships with reputable financial institutions who share our goal of working in your best interest. We believe each organization we partner with has a specific advantage to contribute to your financial future.

    Who’s holding your assets?

    We consider the custodian, the institution responsible for holding and safeguarding a firm’s or an individual’s assets, one of the most important partnerships we have. Custodians ensure each and every client receives complete transparency relating to their assets, while restricting the access others have to their money. Fidelity Investments is the organization we chose to hold our clients’ assets.

    Whenever we wish to make a change to your investments, we must seek the approval of Fidelity Investment’s compliance guidelines and obey their rules and regulations.

    A Culture of Transparency
    At Heritage Financial Advisory, we aim to provide full transparency so clients can have the confidence of knowing that no hidden commissions or conflicts of interests are eating into their investment returns.

    As part of our commitment to transparency, we encourage our clients to perform their own due diligence, or investigation, on Heritage Financial Advisory and any other financial advice organization prior to signing a contract.

    Here are things to consider when investigating financial institutions:

    • Has the organization received government bailouts to stay in business?
    • Do they generate revenue by charging undisclosed commissions and fees on client transactions?
    • Have they been sued for profit-maximizing tactics?
    • Do they pay their staff large commission-based salaries and bonuses?
    Heritage Financial Advisory – Your Financial Partners
    Maybe you’ve decided that your financial situation could use the insight of experienced financial professionals. We can help.

    When working with clients, our first goal is to listen, analyze and understand your specific financial needs both now and for the future. Our next step is to pull the various pieces of your financial portfolio together and begin organizing a road map that will help you reach your goals.

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    » Retirement Income Strategies
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    » Annuities
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    We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

    Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Heritage Financial Advisory are not affiliated companies.

    Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

    *Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

    The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.

    The retirement kit is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.