Is Our Approach to Investing Right For You?

Gain Clarity

Gain Clarity

A Professional Manager will help focus your investment strategy, ensuring your goals, priorities, and risk tolerances are all properly aligned.   

Invest with Confidence

Invest with Confidence

Gain access to a disciplined investment process incorporating professional research, due diligence, and proactive portfolio monitoring - all of which will help provide assurance that you are on track for your future. 

Prioritize Living

Prioritize Living

A Professional Manager frees you to focus on what matters most in life to you.  

What you Can Expect

Creative Strategies and Investments you may have not yet considered

Creative Strategies and Investments you may have not yet considered

Your portfolio can either advance you toward your goals or hold you back.

Setting clear appropriate expectations is crucial to the success of any Professional Investment Management relationship. 

That is why we have outlined our process and what you can expect from such a relationship with Heritage Financial Group. 


Our 8-Step Disciplined Approach to Investing...

Step 1: Goals, Discovery and Prioritization

Step 1: Goals, Discovery and Prioritization

In nutshell, we want to understand why you are investing and what you hope to accomplish? What are your goals and which are most important? We will also ask you to provide some basic personal and financial information.

Step 2: Risk Profile Assessment

Step 2: Risk Profile Assessment

After completing an online assessment, your initial risk profile is calculated. Together (in meeting), we evaluate this profile and whether it is properly aligned, allowing you to meet your stated goals. If modifications are required, we adjust to bring everything into alignment with a finalized risk profile.


Step 3: Existing Portfolio Analysis

Step 3: Existing Portfolio Analysis

If you have existing portfolios not managed by Heritage, we will analyze the portfolio and determine its risk profile. This helps determine if the investments are properly aligned with your goals and level of comfort. We will also explore whether potential superior options might be available.

Step 4: Multiple Investment Options

Step 4: Multiple Investment Options

You are presented multiple portfolio options with varying prices, each having been created through extensive research and due diligence. All are matched specifically to your unique situation and risk profile.

Step 5: The "Goldilocks" Portfolio

Step 5: The "Goldilocks" Portfolio

You pick the portfolio that is "appropriate" for you.

Step 6: Implementation

Step 6: Implementation

We work to make this step as simple and streamlined as possible for our new clients. Necessary paperwork is prepared and explained to clients before signing. In most cases, electronic signatures can be accepted (if desired) using by our digital signature system using SIGNiX.

Step 7: Follow Up Meeting

Step 7: Follow Up Meeting

This meeting typically happens 1-3 months after implementation, when all accounts are open and funded, and the "dust has settled." We review your investments, answer questions about reading your statements, and answer any additional questions you may have. We also tie up any lose ends that might be lingering.

At this time we also walk you through accessing the various online client account portals that may be available. We encourage you to bring your laptop, tablet or smartphone to this meeting to make sure you can connect successfully.




Step 8: Continuing Contact

Step 8: Continuing Contact

We offer regular investment review meetings.  Meetings are held in-person at the Heritage Financial Group offices or virtually. 

Monthly or quarterly account statements will be sent. Both direct mail and electronic delivery options are available. (Postage fees may be applicable)

24/7 online account access available for all investment management accounts.

We continue to be available for questions, information, etc. and encourage clients to reach out via email or phone call as needed.

Pricing

Pricing

Fee Based Compensation

Our fee-based compensation typically applies only to market traded investments based on the value of the account because the value of such investments can be easily and accurately assessed daily.  The management fees range from 0.8% to 1.25% per year depending on the size and type of account and are usually assessed on a quarterly basis. 

Additional custodial and account fees may apply depending on the size and type of account.  All fees are fully disclosed before you make any decisions.


Commission Based Compensation

The value of a number of financial vehicles cannot be accurately determined regularly and as such are not conducive to fee-based management.  These include most types of insurance, private placements and other non-traded investments.  Such vehicles usually provide us with a single front end commission that varies by product and is fully disclosed.  

Some insurance products also provide a small annual renewal compensation as well. 

Portfolio Options

Portfolio Options

Portfolio Options

We provide a diverse selection of quality and competitively priced investment options suitable for investors of varied interests, comfort levels and risk tolerances.  Each investment and or manager has been carefully screened by our in-house due diligence process. Learn more about Our Investment Philosophy.

Not all Portfolios may be suitable for every investors. Additional requirements may apply, please inquire to learn whether a specific portfolio may be right for you.

 

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