Financial Advisors You Can Trust


Financial AdvisorsThe process of finding the right financial advisor can be quite daunting. In the end, you need one that you can trust with your personal financial situation and one that will be there for you during all of the . In addition, there are just so many resources out there offering you free calculators and generic advice. You need to beware of these sites and their limitations. The main limitation is, they do not know YOU. They do not know your goals and personal financial situation, and accordingly, that generic advice may work for someone else, but it may actually be costly and quite harmful to your financial security. When you use Heritage Financial Management and fill out the form to the right, it is our job to match you with a local financial advisor based on your needs and goals so that you can receive the personalized attention you deserve.


In addition, you can be assured that your financial advisor will be experienced and properly licensed. What many fail to realize is that, in the financial services industry, the turnover is extremely high, where approximately 90% of advisors fail out of the industry. One of the last things you want to worry about is if your financial advisor is going to be there for you in the future as your financial needs change and need to be updated. We eliminate this potential burden right from the start, as we only have advisors who have been in the industry for at least 10 years, and many of them with over 40 years of experience.


When you fill out the form to the right, you will receive a FREE financial analysis of your choosing (sample), a NO OBLIGATION & FREE 1 on 1 consultation with a top local advisor, and most importantly, peace of mind. You will gain peace of mind because 1 of 2 things will happen when you have your initial consultation:
1) The advisor will tell you that everything looks great and is in order and you can pat yourself on the back, or
2) The advisor will make recommendations on how to improve your financial plan based on your goals.

Either way, you will walk away knowing exactly what your next steps are.



Full Disclosure

Now, not every financial advisor or firm will tell you the experience of the advisor you are going to work with, their track record, their specialties, or their fee structure. Many agencies actually hire new advisors right out of college (known as Career Agencies), and those are the ones who make up a large portion of the 90% of advisors who fail out of the industry. In addition, the actual fee structure is often not discussed in detail for you to understand exactly how the advisor gets paid and what money comes out of your pocket. There are actually two main types of fee structures: Fee based and Commission based.  Our advisors are typically commission based so that you never have to pay any up front fees out of pocket.


At Heritage Financial Management, you will know all of this information before you even speak or meet with the advisor. We will provide you with a full description of the advisor that we believe will be the best for you to work with. Of course, if you decide at any time that you would like to choose a different advisor, we are happy to help you make that transition. Remember, you also never pay a dime to Heritage Financial Management. Our services are completely free of charge to you. In addition, our nationwide network of financial advisors will be providing you with a free consultation and financial analysis with no obligations or hidden charges as well.


What To Look For in a Financial Advisor

What is most important when working with a financial advisor is that you develop a good rapport such that your visions for the future are aligned. Your financial life is a very personal and sensitive issue, and you want to make sure it is handled with care and professionalism by someone who has been a successful advisor in the industry through various market conditions.


As we all know, the financial markets go up and they go down. Accordingly, those fluctuations can play a significant role on your personal savings and investments, especially when you consider the goals for which they are to be used for (ie. retirement, college savings). Therefore, you want to have the confidence in knowing that no matter the current state of the market, your advisor has “been-there-before” and will properly guide you to make the right decisions. Too often, especially when the markets and economy are down, emotions can get the best of us, which can lead us to making hasty decisions.  Those hasty decisions can cost you a lot of money now and in the future, which is why you need to work with a professional whose expertise can guide you to make the right decision in these situations. At Heritage Financial Management, our specialists will be able to help you right away with matching you up with one of our experienced advisors based on your needs.


The unique aspect about financial planning and why basing your financial purchases on information that you may have read or heard about in the news may not be the wisest decision, is that everyone’s situation is different. We all have different needs and goals.  Accordingly, you need a professional advisor to help walk you through this process based on what is most appropriate for you, your family, or business.


What Is a Financial Advisor?

It is important to note that the term “financial advisor” is a rather broad description in the financial services profession. An advisor can wear many hats and have a variety of duties, which includes attaining business for their broker-dealer through clients, evaluating clients’ security portfolios, financial situation and goals, tax status and investment goals, and provide clients with information on investments and make appropriate recommendations for each client. As a result, they help with investments, taxes and insurance decisions. Therefore a financial advisor could essentially be a stockbroker, insurance agent, accountant, financial planner, estate planner and a private banker.


Accordingly, it will be the job of our specialists here at Heritage Financial Management to pair you with the proper advisor based on the initial consultation that you have with us. So for example, during your initial phone conversation with one of our specialists, if you are just looking to purchase life insurance, then we will make sure you get introduced to one of our advisors that specializes in insurance planning (please note, these advisors will also be able to make recommendations about other aspects of your financial plan, so that your insurance purchase works in cohesion with the rest of your financial needs). If you are just looking to rollover a 401k, then we can direct you to one of our investment advisors. Of course, if you want a full financial review done, then we may direct you to one of our Certified Financial Planners. Again, you will get a full description of the advisor, their specialties, and their overall planning process before you even meet with them.


We know, this can all be quite an overwhelming process. Our trained staff members at Heritage Financial Management along with our financial advisors understand this and will walk you through every step of the financial planning process. Our specialists are here for you 24 hours a day to answer any questions that you may have, so you will never be left in the dark or feel unsure about your next steps.