Start Your Journey With Heritage Financial Below
Foundational Planning
Investment Account Management
Life, Disability, and Long-Term Care Insurance
Cash Flow Plan
Tax Analysis Report
Advanced Planning
Comprehensive
Plan
Bundled Services
Social Security Claiming Analysis
Medicare Solutions
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Investment Account Management
Investment Account Management
Fee Varies (0.8 - 1.5% Annually)
- Recommended for all clients
- Mutual Funds, Exchange Traded Funds, Separately Managed Accounts, and Stocks
- Faith-Based, Traditional and Alternatives
- IRAs, Roth IRAs, and Taxable Accounts
- Deliverables
- At least one annual review meeting
- At least one annual call
- Life event meetings/calls as needed
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Tax Analysis Report
Tax Analysis Report
$500 Fee
- Recommended for all high-income clients
- Uses two years of tax returns
- Explores tax saving ideas, recommended changes, and Roth IRA conversion opportunities
- Deliverables
- 30-60 Minute Review Meeting
- Report
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Life, Disability, and Long-Term Care Insurance
Life, Disability, and Long-Term Care Insurance
No Fee
- Recommended for all clients (LTC – 50+)
- Deliverables
- An in-force policy
- Review every five years
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Financial Plan
Financial Plan
$2,500-$5,000 Fee
- Recommended for all clients ages 50+
- Multiple Scenarios
- Answer questions like
- When can I retire?
- How much can spend in retirement?
- Should I sell my house?
- Is my nest egg protected?
- Includes a Cash Flow Report, Tax Analysis and Social Security Analysis
- Deliverables
- 60-90 Minute Review Meeting
- Report
- Two revisions
- Life event meetings/calls as needed
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Cash Flow Plan
Cash Flow Plan
$500 Fee
- Recommended for clients wanting to know if they are “on track”
- Single Scenario
- Uses current income, accounts, and expenses, and projects these numbers into the future
- Deliverables
- 30-60 Minute Review Meeting
- Report
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Bundled Services Option
Bundled Services Option
- Recommended for all clients
- Bundles Include
- Investment Account Management with Planning Services or
- Multiple Planning Services*
- Insurance Products NOT included
- Deliverables for Investment Account Services
- At least one annual review meeting
- At least one annual call
- Life event meetings/calls as needed
- Deliverables for Planning Services
- +/- 60 Minute Review Meeting
- Report
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Social Security Claiming Analysis
Social Security Claiming Analysis
$500 Couple, $250 Single
- Recommended for all clients ages 61+
- Review of optimal claiming strategies
- Deliverables
- 30-60 Minute Review Meeting
- Report
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Medicare Solutions
Medicare Solutions
No Fees
- Recommended for all clients ages 64+
- Provided by Ash Brokerage
- Ash provides Medicare products and advice for traditional Medicare Supplements, Medicare Advantage plans, and Prescription Drug plans
- Deliverables
- An in-force policy
- Annual review by Ash