Services
At Heritage Financial Advisory, we provide a wide range of services to help our clients achieve their dreams for the future.
Income Planning
Approaching retirement can be scary. You may be asking yourself, “Will I have enough?” “Will my family be provided for?” “Will I be able to live the life I want?” At Heritage Financial Advisory, our goal is to help you answer these questions and achieve a secure retirement. We do so by providing you with a steady stream of income in retirement through a combination of strategies that work together to meet your specific needs. We collaborate with you to establish specific goals and execute a strategy to achieve them.
We also conduct a thorough review of your Social Security benefits in order to optimize your payments and enhance your monthly income stream.
Investment Planning
We work with you to build a diversified portfolio that meets your current needs and goals for the future. We work to understand your specific challenges as well as your time horizon and risk tolerance as we determine the most appropriate investment mix to help you achieve your goals. We then incorporate a diversified mix of mutual funds, exchange-traded funds, individual stocks, fixed income and alternative investments, as appropriate. We continuously monitor and update your portfolio to help ensure it continues to meet the needs of your evolving life.
Tax Planning
Regardless of how diligent one is in selecting an investment allocation, taxes have the potential to significantly eat away at investment gains. That is why we view tax planning as a vital element of the planning process. We select tax-efficient investment alternatives whenever possible and harvest losses to offset gains.
Healthcare Planning
Healthcare costs are often one of the biggest expenses in retirement. Long-term care and other healthcare expenses can quickly drain your retirement savings. So how can you prepare? We help you identify opportunities to save and spend wisely on healthcare expenses. We also help you evaluate Medicare options and determine whether a supplemental plan makes sense give your specific situation and other retirement savings goals
Legacy Planning
We understand that planning for your financial future means more than providing for yourself. It also means supporting the people and causes most important to you. That is why we offer the services of an estate planning attorney to build a robust legacy strategy that is in line with your overall financial plan and goals for the future. We help you leave a financial legacy, help minimize estate taxes, and execute the appropriate trust and estate documents to carry out your wishes.
