Heritage Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$188,025,569
Total clients
220
16% high-net worth
Total advisors
2
of 1 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
110
Average account size
$854,662
About
Heritage Financial Advisors, LLC is an SEC-registered, fee-only advisory firm that provides financial planning, investment consultation, and investment management to individuals (both non-high-net-worth and high-net-worth), trusts, estates, charitable foundations, and businesses. The firm operates with a small advisory team and serves roughly 220 clients through both one-time planning engagements and ongoing portfolio services.
Portfolios are constructed using Modern Portfolio Theory with an emphasis on cost-efficient index mutual funds and ETFs for model allocations, while clients with larger account balances may receive customized portfolios or individual securities. The firm reports approximately $188 million in assets under management and typically operates on a non-discretionary basis, preparing investment policy statements and making recommendations that clients must approve before implementation.
Distinctive aspects relative to peers include a relatively high client load for a two-advisor practice and the large share of AUM managed non-discretionarily, which suggests an emphasis on client decision-making and education rather than delegated trading. The firm also conducts occasional educational workshops and provides specialized services such as retirement plan rollover analysis and charitable foundation investment management, features less commonly offered by similarly sized supported firms.
Client services
Expertise
Fee options
Fixed fees may be offered based on complexity and estimated hours, multiplied by hourly rate
$200,001 - $500,000: 1.10% annually $500,001 - $1,000,000: 1.00% annually $1,000,001 - $2,000,000: 0.90% annually $2,000,001 - $3,000,000: 0.80% annually $3,000,001 - $4,000,000: 0.70% annually $4,000,001+: Negotiable
$150 to $200 per hour for financial planning and incidental investment consulting, billed in 15-minute increments
Account minimum: $200,000 Minimum fee: May have a minimum annual fixed fee; specifics not clearly stated Fee-only: Fee-only financial planning, consultation, and investment management services
Main office location
Heritage Financial Advisors, LLC
103 North River Road, Suite A
Waterville OH 43566, United States
Number of offices
2
Most active in
Ohio
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")