heritage client wealth management overview
TRANSCRIPT
Presentation TitleDate / Subtitle
Personal Wealth Management
Wealth Management Presentation
Client Name
The Heritage Commitment
Our goal is to build lifelong relationships with our clients by
simplifying complex financial issues and instilling confidence with a
sound wealth management plan.
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About Heritage Financial
• Independent, Objective Advice & Solutions
• Experienced Wealth Management Teams
• 24 Years in the Business
• $1 billion in Assets Under Management
• Access to Best-in-Class Institutional Investments
• 99% Client Retention Rate
• Customized Strategies and Attention to Detail
• Local Presence, Global Reach
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Highly Qualified Professionals & Expertise
Members of our team have earned and maintain the following designations:
Certified Financial Planner (CFP ®) Personal Financial Planning
Chartered Financial Consultant (ChFC ®) Personal Financial Planning
Chartered Financial Analyst (CFA) Investment Analysis & Portfolio Management
Chartered Life Underwriter (CLU®) Insurance Expertise
Certified Fund Specialist (CFS) Mutual Fund Operations & Analysis
Chartered Alternative Investment Analyst (CAIA) Alternative Investment Analysis
Certified in Long-Term Care (CLTC) Extended Care Planning
Juris Doctor (JD) Attorney, Estate & Tax Analysis
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Industry Recognition
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TOP 100 INDEPENDENT FINANCIAL ADVISORS (2014, 2013, 2012, 2011) Heritage Financial Services was named to Barron’s Top 100 Independent Financial Advisors
AMERICA’S TOP 1,200 FINANCIAL ADVISORS (2015, 2014) Heritage Financial Services was named to Barron’s Top 1200 Advisors List
TOP RIA RANKING (2014, 2013, 2012, 2011, 2010, 2009) Heritage Financial Services listed in Financial Advisor Magazine’s Top RIA Rankings in the nation for six consecutive years
AdvisorOne
TOP WEALTH MANAGER LIST (2012, 2011) Heritage Financial Services was named to AdvisorOne’s Top Wealth Manager List
TOP RIA RANKINGS FOR 2013, 2012 Heritage Financial Services was listed in top 25 firms in Massachusetts by Investment News
Heritage in the News
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ARTICLE: Juggling to Trim a Wealthy Executive’s Taxes, November 29, 2013 ARTICLE: Even ‘High Yield’ Bonds Don’t Pay Much, July 8, 2013 ARTICLE: Individual Investors Help Drive Stock Surge, January 30, 2013 ARTICLE: Pivot Point: Investors Lose Faith in Stocks, September 26, 2011
ARTICLE: ETF Growing Pains Creating Knowledge Gap, October 11, 2012 ARTICLE: A Plan to Fix Last Adviser’s Mistakes, June 10, 2011
ThinkAdvisor
ARTICLE: How Heritage Financial Uses Withdrawal Rates and Alts for HNW Clients, October 2, 2013
The Heritage Relationship
Coordinated & Client CentricClient
Heritage Financial ServicesWealth Management Team
Financial PlanningInvestment Management
Retirement PlanningCash Flow Management
Insurance/Asset ProtectionEstate & Tax Planning
Philanthropy
Heritage Uses Independent Custodians
Custody & Brokerage
Heritage Collaborates with Your Trusted Advisors
AccountantsAttorneysInsurance ProfessionalsBankersFamily Members
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Service Commitment
Personal meetings every few months
to update and implement your
comprehensive plan
Specific recommendations and action steps
from each meeting
Follow up with you and your other
professional advisors
Open and ongoing communication
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Investment Philosophy
Key Tenets for a Successful Investment Experience
Liquid financial markets are generally efficient
Asset allocation drives portfolio risk and return
A portfolio should be constructed with a global perspective
Investors should be adequately compensated for taking risk
A disciplined process is essential to long-term investment performance
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Portfolio Construction
d Client’s Financial Plan
Heritage Financial Services Investment Committee
Asset Allocation Investment Selection
Equities Fixed Income Alternatives
Client’s Portfolio
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Introductory New Client Process
Step 1. Initial discovery to learn about your goals, objectives and financial position
Step 2. Second meeting focused on education regarding current financial condition in comparison to goals and objectives
Step 3. Review wealth management recommendations
Step 4. We mutually determine whether or not we wish to work together
Heritage does not charge any fee for this introductory process
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Why Choose Heritage Financial?
Independence• Employee-owned• Objective investment fiduciaries• No proprietary products to sell
Experience• In business over 24 years, adding value in a wide variety of market conditions• Investment advisors with deep wealth management expertise
Size• Nationally recognized registered investment advisor• Low-cost institutional pricing• Access to capacity constrained investments
Service• Open and ongoing communication • Collaboration with other professionals to ensure implementation of the financial plan• Personal access to firm’s key personnel
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Contact Heritage
• Schedule an introductory call or in-person meeting
• Ask us to provide a reference of an existing client
• Call us: (781) 255-0214
• Email us: [email protected]
• Learn more about us on the web: http://www.heritagefinancial.net/
• Locations:
100 Lowder Brook Drive, Suite 1000Westwood, MA 02090
51 Main Street, Suite 4Stoneham, MA 02180
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