4647 White Bear Parkway White Bear Lake, MN 55110

(651) 453-0336
info@heritage-financial.com
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À La Carte Solutions

Individual Products and Select Services

Individual Products and Select Services

Sometimes helping individuals advance toward achieving the life they want to live is about finding the appropriate product, for the right person, at the right time.

 

Below is a list of products, accounts and services we make use of regularly and offer as À La Carte options.  

Products Offered

Investments


  • Mutual Funds
  • ETFs
  • UITs
  • Structured Notes
  • Structured CDs
  • Structured UITs
  • Stocks
  • Bonds
  • Annuities (Fixed and Variable)
  • Publicly traded REITs
  • Non-publicly traded REITS

Insurances


Temporary Life Insurances

  • Term Life Insurance
  • Convertible Term Life Insurance

Permanent Life Insurances

  • Whole Life Insurance 
  • Universal Life Insurance
  • Variable Universal Life Insurance
  • Indexed Universal Life Insurance

Other Insurances 

  • Long Term Care Insurance
  • Health Insurance
  • Short-Term Disability Insurance
  • Long-Term Disability Insurance

Offerings for Accredited Investors Only


  • Limited Partnerships
  • Private Placements
  • DSTs (1031 Exchanges)
  • Opportunity Zone Funds
  • Secondary Market Purchase of REITs and Limited Partnerships

Heritage avoids proprietary ties to any company offering investment products which frees us to recommend what we believe to be the best solution for a client's specific needs rather than what some company required that we sell. 

Account Types Offered

Non Tax Advantaged Accounts

  • Brokerage Account
  • Fee-Based Account
  • Money Market
  • Checking 
  • Savings

Tax advantaged accounts

  • Traditional IRA
  • Roth IRA
  • Simple IRA
  • SEP IRA
  • Keogh Plans
  • Self-Directed 401ks

Qualified plans

  • 401ks
  • ROTH 401ks
  • Defined Benefit Pensions
  • Defined Contribution Plans

Other

  • 529 Plans (College Savings)
  • Health Savings Accounts

Select Services offered À La Carte

  • Cash Flow and Debt Management
  • Education Expense Planning
  • Life Insurance Analysis 
  • 401k Fund Analysis
  • 401k Investment Management *for select companies, inquire for details. 
  • Social Security Selection Planning
  • Tax Optimize Income Withdrawal Plan for Retirement
  • Real Estate Property Cashflow and Return Analysis *for existing properties, new purchases.

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