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Solutions2018-08-03T00:46:32+00:00

Led by experience, driven by purpose.

At Heritage, we know how to help our clients achieve their purpose—whether it’s planning for retirement, paying for college or making a difference through philanthropy.

We bring together investment management, financial planning, tax planning and charitable giving to provide a comprehensive view of your financial health. Our integrated strategies allow us to be more dynamic, creative and effective in helping you achieve your goals.

Family Office

For multi-generational families trying to manage complex relationships across multiple households and tax filing entities, we can implement strategies that meet your sophisticated needs and provide financial education to your entire family. Our services include:

  • Complex trust and estate planning
  • Family meetings
  • Intergenerational financial education
  • Coordination of professional advisors
  • Tax planning
  • Estimated quarterly tax payments
  • Fully diversified investment portfolio
  • Private investment evaluations
  • Charitable giving strategies
  • Cash flow analysis by household
  • Insurance planning
  • Consolidated net worth / reporting by each household
  • Family business consulting / succession planning

Family CFO

If your family tax structure includes multiple households across generations, we can design strategies that help you accomplish many different goals, including the transition of wealth to philanthropy. Our services may include:

  • Trust and estate planning
  • Family meetings
  • Intergenerational financial education
  • Coordination of professional advisors
  • Tax planning
  • Estimated quarterly tax payments
  • Fully diversified investment portfolio
  • Private investment evaluations
  • Charitable giving strategies
  • Cash flow analysis by household
  • Insurance planning
  • Consolidated net worth / reporting by each household
  • Family financial education
  • Family business consulting / succession planning

Personal CFO

If you are approaching retirement, a retiree or not a member of the workforce, we can help your money go further through customized services that may include:

  • Trust and estate planning
  • Income planning
  • Coordination of professional advisors
  • Capital preservation
  • Tax planning
  • Estimated quarterly tax payments
  • Investment analysis and selection
  • Asset allocation
  • Charitable giving advice
  • Cash flow analysis
  • Insurance planning
  • Balance sheet review
  • 401(k) monitoring
  • Family business consulting / succession planning

Executive CFO

For families with one or more members in their mid to late career, we offer a suite of services that can help you preserve and extend your wealth beyond your company plans. They may include:

  • Retirement income planning
  • Coordination of professional advisors
  • Pension and benefits review
  • 401(k) review
  • Tax planning
  • Alternative tax strategies for long-term comp
  • Review of outside investments
  • Review of corporate investment allocations
  • Charitable giving advice
  • Cash flow analysis
  • Insurance planning
  • Balance sheet review
  • Retirement planning

Wealth Planning

Whether you’re in a stage of life where spending is high, or retired and ready to enjoy the fruits of your labor, we can help you make smart financial decisions about the money you’ve earned with services that may include:

  • Investment analysis and selection
  • Insurance planning
  • 529 set up
  • 401(k) review
  • Simplified portfolio
  • Deferred revenue strategies advice
  • Standard portfolio analysis
  • Asset allocation