SERVICES

 

OVERVIEW

Individuals today need the guidance of experienced professionals in the search for financial security. HERITAGE FINANCIAL GROUP INC., is an organization comprised of independent financial specialists who have associated to provide comprehensive financial, investment, insurance, estate and tax planning services. Our ability to offer a wide range of investment products as well as provide products and services from the top carriers in the insurance industry sets us apart from the competition.

 

SERVICES
  • Comprehensive Financial Planning
  • Asset Management
  • College Planning
  • Retirement Planning
  • Estate and Income Tax Planning
  • Charitable Giving Planning

 

PRODUCTS
  • Mutual Funds
  • No-Load Mutual Funds
  • Corporate and Municipal Bonds
  • Individual Stocks, Preferred Stocks
  • Certificates of Deposit, (CD's)
  • Savings, Checking & Debit Cards
  • Mortgages, Fixed, Variable & ARMS
  • Variable, Fixed and Indexed Annuities
  • Individual Retirement Accounts(IRA)
  • 401K Plans & other Retirement Plans
  • Section 529 College Plans
  • Life Insurance
  • Long-Term Care Insurance
  • 1031 TIC Exchange 

 

INVESTMENTS

Our Associates are Registered Representatives with Investors Capital Corporation, headquartered in Lynnfield, Massachusetts. Investors Capital Corporation is one of the nation's leading independent broker-dealers and offers a wide-ranging combination of products and services to meet the needs of our clients. The firm is a member of both the Financial Industry Regulatory Authority, Inc. (FINRA) and Securities Investor Protection Corporation (SIPC).

Investors Capital Corporation provides traditional products, including unit investment trusts, common and preferred stock, municipal and corporate bonds, U.S. Treasuries and other governmental obligations, and mutual funds from over 400 fund families.*  For clients seeking tax deferral of investment earnings, we offer a variety of variable life insurance and variable annuity products from the industry's leading insurance carriers.

Fund assets can be held directly with a mutual fund company or in a variety of brokerage and cash management accounts, including retirement accounts. For cash deposits, the accounts offer a choice of both taxable and tax-free money market funds. Security transactions are cleared through Pershing, Inc. Clients can have on-line access to brokerage account information with Net Exchange View, through the "Account Access" section of this site.

INSURANCE PRODUCTS

HERITAGE FINANCIAL GROUP INC., has developed relationships with a number of the insurance industries leading carriers to provide our clients with the most innovative and competitive life, health, disability, long term care, special risk and annuity products available. Included among these carriers are:

Aviva Life

Royal Bank of Canda

Banner Life

Manulife

CNA/Valley Forge

MONY

John Hancock

MetLife

First Colony Life

Midland Life

Empire Life

Prudential

GE Capital Assurance

ING/Reliaster

Investors Life

West Coast Life

Golden Rule

USG Annuity & Life

Jefferson Pilot

UNUM

 

FINANCIAL PLANNING

Our Associates are dedicated to building close and lasting financial counseling relationships with each client. Today, when choices are abundant, decisions are more complex than ever. Individuals are faced with having to make more and more crucial, informed decisions about benefit plans, retirement options, insurance coverage’s, asset management, education planning, estate planning, savings and investments. When combined with uncertain economic conditions, tax law changes, fluctuating markets, and the multitude of products and services available today, it is little wonder that people seek professional help in the search for financial security.

Our planning process begins with a comprehensive review of a client's current financial situation. Prior to the initial planning meeting, the client is asked to gather information on all existing assets and liabilities including employee benefit programs, retirement plans, all insurance policies, Wills and Trusts, tax returns, and any other relevant financial information or documents. During the initial meeting, that information is reviewed in detail and planning objectives, investment risk tolerance, and priorities are established. Areas most often included in the planning process are investment and retirement planning, education funding options, estate and survivor income planning, income tax planning, and risk management. A comprehensive plan is then prepared to meet the established objectives and priorities. From our work, individuals, regardless of income level or net worth, learn to make more informed decisions about their financial life. After the plan is implemented, periodic reviews are then conducted to make certain the plan keeps up with the client's needs and objectives as they change as well as changes in areas such as tax law, employee benefit programs, and economic conditions.

HERITAGE FINANCIAL GROUP INC., possess all of the necessary resources and administrative capabilities to provide ongoing support to our clients. Associates are personally involved with each client from the initial planning stages to annual reviews. At the corporate level, our experienced staff and state-of-the-art hardware/software systems will deliver the quality support you want, need and deserve. HERITAGE FINANCIAL GROUP INC., also have access to all legal, accounting and compliance services that may be required by our clients, or we can coordinate our work with a client's current advisors.

*Past performance is not indicative of future results.  Securities are subject to investment risks.  The investment return and principal value will fluctuate, and shares when sold may be worth more or less than the original cost.  Variable Annuities, Variable Life Policies, and Mutual Funds are not a deposit of or guaranteed by, any bank or bank subsidiary, and are not insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.  For more information about specific Variable Annuities, Variable Life Policies and Mutual Funds, call your financial professional for a free prospectus.  You should consider the products, investment objectives, risks, charges, and expenses carefully before investing.  The prospectus will contain this and other information about the investment company.  Please read the prospectus carefully before investing.