Heritage Financial Solutions, LLC

Heritage Financial Solutions provides investment management and financial planning to individuals (including high‑net‑worth clients), retirement plan participants, trusts, estates, charitable organizations, and business entities. Services include discretionary portfolio management, tailored financial planning and consultations, and guidance on retirement account rollovers and related non‑securities matters such as tax and estate considerations.

The firm manages client portfolios under written investment policy statements and favors a long‑term, passive‑oriented approach grounded in modern portfolio theory. Portfolios are primarily constructed from no‑load or load‑waived mutual funds and ETFs and emphasize broad diversification with an explicitly factor‑aware allocation that incorporates equity exposure, company size, and a book‑to‑market stock‑price factor; accounts are reviewed regularly and maintained on the firm’s custodial platform.

Noteworthy operational aspects include a relatively large asset base (about $103 million) across roughly 171 client relationships while operating with a small advisory staff, and advisors who are dually registered with a broker‑dealer and licensed for insurance business—arrangements the firm discloses as creating potential conflicts of interest. The firm uses an LPL‑sponsored Strategic Wealth Management custodial platform and documents its process when recommending rollovers or acting as a fiduciary for retirement accounts, and it discloses receipt of certain platform support and other non‑monetary benefits from that custodian.