Heirloom Wealth Management LLC

Heirloom Wealth Management (HWM) advises individuals, high‑net‑worth clients, employee‑sponsored retirement plans, institutions, charitable organizations, trusts and estates, managing about $1.108 billion for roughly 829 clients through a team of 18 advisors. The firm offers discretionary investment management, financial planning, donor‑advised fund management, and ERISA 3(21) retirement plan advisory services, and makes tax preparation and tax advisory services available through its affiliated Heirloom Tax Solutions.

HWM frames advice around its Live Well Planning Process and Live Well Investment Belief System, developing goal‑based plans and implementing discretionary portfolios that allocate among equities, ETFs, mutual funds, fixed income and alternative mutual funds; it also uses the Nitrogen tool to quantify client risk tolerance and periodically rebalances to strategic allocations. The firm may manage “held‑away” retirement assets via a third‑party connectivity platform, recommends custodians such as Schwab and Fidelity, and outsources administrative functions like reporting and fee billing to Orion Adviser Services.

Distinctive features called out in the brochure include the firm’s use of client testimonials in advertising, a practice the firm discloses and that is relatively uncommon among multi‑team advisers, and its common ownership with Heirloom Tax Solutions, which creates a disclosed conflict when tax services are recommended. The brochure also discloses referral arrangements such as participation in the IFI Cash Program, receipt of marketing and travel reimbursements from product sponsors, and the firm’s occasional use of less liquid strategies (e.g., interval funds, structured notes) and donor‑advised fund programs on charitable platforms.