Our Firm

Our U.S. currency is inscribed with the words "In God We Trust ."  At Heritage Financial, we believe that God, in the Bible, provides timeless financial and economic principles and precepts that we can trust because they are always applicable regardless of the present state of the economy or financial markets.

We believe it is not important how much a person earns, but rather how a person gives, spends, saves and invests the money they earn that makes a difference.

Because we're a completely independent firm, we are able to focus our attention on our client's needs, not those of a parent company.  Our clients depend upon customized recommendations based solely upon their needs without having to be concerned about hidden sales agendas or being offered certain "suitable substitute" products that may pay a higher commission to a parent company's "sales/investment representative."

By federal regulation, all security investment professionals must be registered with a broker/dealer.  As an independent firm the broker/dealer we choose to affiliate with, however, is completely our choice.  We believe that our affiliation with LPL Financial says a lot about us and the level of service we are able to provide to our clients.

Our independence enables us to create a well-balanced portfolio from a wide range of financial services and investments.  Because everyone is different in many ways, we do not use a "cookie-cutter" approach in the solutions we present to our clients.  Everyone has unique circumstances; therefore, we recommend only those services and products that can be tailored to suit our client's specific needs and goals. 

Our focus is on solutions - not products!  The process we follow in completing a total investment plan consists of: (1) gathering and analyzing your financial situation to develop a clear picture of your specific needs, assets, liabilities, and risk tolerance, (2) designing an investment plan that takes into account the full range of needs you have now and those needs that you may have in the future, and (3) periodically reviewing your plan because your goals may change and your financial plan needs to stay on track with them.

(Heritage Financial is not affiliated with LPL Financial)

The opinions expressed in this material do not necessarily reflect the views of LPL Financial.

Give us a call!  We welcome the opportunity to serve you and your family.