H
Heffernan & Associates, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$18,713,500
Clients
20
35% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
20
LowAverage account size
$935,675
About
Heffernan & Associates provides investment advice and financial counsel to individuals, families, and their related trusts, retirement plans and business interests, acting as a registered investment adviser and fiduciary. The firm offers ongoing portfolio management and broader financial planning and consulting services while clients retain authority to accept or reject recommendations.
The firm follows a fundamental-analysis approach that emphasizes macroeconomic assessment, credit analysis and valuation metrics, with a focus on longer-term purchases and occasional use of technical indicators to time trades. Services are tailored to client objectives and risk tolerances, and accounts are reviewed at least semi‑annually with client reporting at least quarterly.
Compared with many peers, Heffernan & Associates operates primarily on a non-discretionary basis, discussing and obtaining client approval before implementing investment decisions. The firm also maintains insurance and annuity agency arrangements and, if directed by a client, may act as an insurance agent and receive commissions — a conflict which the firm discloses in writing.
Client services
Portfolio management
Life insurance, fixed annuities
Expertise
Wealth management
Annuities
Fee options
$0 - $500,000: 1% $500,001 - $1,000,000: 0.75% $1,000,001+: 0.25%
$200 per hour
Account minimum: $100,000
Main office location
Heffernan & Associates, Inc.
50 Crestwood Executive Center, Suite 205
St Louis MO 63126-1901, United States
Number of offices
1
Most active in
Heffernan & Associates, Inc. has reported serving >5 clients in these states in the last 12 months.
Missouri
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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