Heritage Advisors

Heritage Financial Advisors is an independent advisory firm dedicated to providing our clients with honest, unbiased, goal-oriented financial advice. We serve individuals, families, closely held businesses, and charitable foundations, acting as a fiduciary to each client. Our core financial advisory group consists of Sasha Wright and Evonne Johnson, who pride themselves on adhering to the highest level of ethical standards.

We believe in building a relationship that is founded upon trust, ensuring that our clients receive the best possible financial advice tailored to their specific needs and goals. Unlike commission-based firms, our advisors have no proprietary products to sell, eliminating potential conflicts of interest and ensuring that our interests align with those of our clients.

Our Investment Philosophy

Our investment philosophy follows the principles of Modern Portfolio Theory, utilizing different asset classes to increase overall portfolio diversification and reduce risk. We adhere to the Prudent Investor Act, always acting in the client's best interests. Portfolios are constructed based on models established by Dimensional Fund Advisors, a leader in structured and passive investing.

Studies have consistently shown that passive asset management outperforms active management over time. Our approach provides several advantages, including low expense ratios or cost, low turnover, favorable returns, low cash positions, and the ability to consistently provide near market returns. Our investment methodology is based on concepts developed by Nobel Prize-winning economists Merton Miller, William F. Sharpe, and Harry Markowitz, focusing on diversification, the relationship between portfolio risk and return, and asset class investing.

Services Offered

Heritage Financial Advisors offers a comprehensive range of financial services designed to help our clients achieve their financial goals. Our services include:

• Comprehensive Financial Planning: We work closely with our clients to understand their financial objectives and create a personalized plan to help them achieve these goals.
• Investment Management: We manage investment portfolios using our structured and passive investment approach, focusing on low costs, low turnover, and favorable returns.
• Retirement Plans: We help our clients plan for retirement, ensuring they have the necessary funds to enjoy their golden years.
• College Savings Plans: We assist parents and grandparents in saving for their children's or grandchildren's education expenses.
• Annuities: We provide guidance on annuity products that can help ensure a steady income stream during retirement.
• Life Insurance & Disability: We help our clients protect their loved ones with life insurance and disability coverage.
• Long-Term Care Insurance: We advise on long-term care insurance options to help cover potential future care expenses.

At Heritage Financial Advisors, we are dedicated to helping our clients achieve their financial goals and build a secure financial future. Our commitment to our clients' success is unwavering, and we look forward to helping you achieve your financial objectives.