Heinz Investments

Heinz Investments provides discretionary investment management and financial advisory consultations to individuals, high net worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and other business entities. The firm manages roughly $97 million in discretionary assets across a small advisory team and offers services that include portfolio construction, retirement and distribution planning, tax-aware planning, cash flow analysis, and risk management.

The firm’s investment approach emphasizes fundamental analysis and a core-and-satellite asset-allocation framework, using passively managed index funds and ETFs as the core and selectively adding actively managed ETFs and individual equities or fixed income for tactical opportunities. Portfolios are globally diversified and managed primarily on a discretionary basis with a long-term buy-and-hold orientation supplemented by occasional shorter-term trades.

Distinctive features include the firm’s affiliation with an insurance agency: representatives are licensed to sell life, disability, long-term care, group life, health insurance, and fixed annuities and may devote significant portions of their workweeks to insurance business (up to the percentages disclosed in the brochure). Insurance product commissions are paid separately from advisory fees and the firm discloses the resulting conflicts of interest; the firm is also long-established (managing client wealth since the 1990s) and requires advisory personnel to hold substantive professional designations and industry experience.