At Heritage Wealth Management, core professional values such as accountability, integrity, and honesty combine seamlessly with traditional values such as respect, family, and faith. Our objective is to provide our clients with high-quality financial advice that has an impact on, and is influenced by, their daily lives and how they live them. Sound financial planning allows the client’s financial objectives to be addressed and refined, empowering them to focus on what is truly important to them and to their families.
The critical components of our philosophy include the following:
We believe that risk management is the foundation of all financial planning and is essential in providing a comprehensive plan.
We believe that cash flow planning can provide our client the proper liquidity when it is most needed in the future.
We believe in a long-term investment strategy that reduces risk while enhancing potential return. This can be accomplished through balanced portfolios that are diversified between stocks, bonds, and cash investments. We feel that it is imperative to remain focused on long-term goals and objectives, even during times of short-term volatility. Investment results require discipline, patience, and a long-term outlook. Keep in mind that no investment strategy can guarantee a profit or protect against loss in periods of declining markets.
We believe that tax planning is a vital part of financial planning. Taxes will be taken into consideration in all investment decisions in order to maximize the benefit for the client, as well as legitimately minimize their tax exposure.
We believe in planning for future generations. Multi-generational planning allows the investor to create a legacy which will exist throughout their lifetime, their children’s lifetime, and even grandchildren’s lifetimes.
CLIENT SUCCESS MODEL
The Personal Discovery Process™
The first step in our process is all about you. We want to learn about your goals and dreams, and also give you an opportunity to learn about our company.
The Financial Snapshot™
In the second step, we will go into more detail in an effort to get the overall picture of your current financial situation and your long and short-term goals.
The Clarity Conversation™
Before moving forward, we will have another conversation to address any questions you may have and make sure we have listened and fully understand the goals and objectives previously established.
The Strategy Session™
Once all of the information is assembled, multiple members of our staff will be responsible for formulating a unique financial plan and reviewing it to ensure accuracy.
The HWM Life Plan™
The HWM Life Plan is a unique strategy that will encompass all of your goals and objectives, including risk analysis, cash flow, retirement, estate planning, taxes, education, and income strategies.
The HWM Game Plan™
As you begin to implement your Life Plan, we will be there to help make the recommended changes and guide you through the process.
The 45-Day Checklist™
We will provide a checklist that includes the specific tasks you need to address, as well as the issues we will be handling, to ensure everything is completed during the 45-day implementation phase.
The Semi-Annual Review™
Twice a year, we will meet with you to review your plan and address any changes that may have occurred in order to make certain we remain on track