Retire with clarity
Your best years are ahead of you. Work with a team that knows how to make sure you're confident in that statement.
We work with people like you
Most of our clients are professionals or executives living in Naperville, Wheaton, Glen Ellyn, Geneva, St. Charles, and the surrounding western suburbs. They're within 5-10 years of retirement or recently retired, have $1M or more saved for retirement, and want a proactive advisor who coordinates their investments, tax strategy, and retirement income plan under one roof — without paying more just because they've saved more.
Schedule a CallAnswering your biggest retirement questions
Stop guessing. Get the clarity you need.
Holistic Financial Planning
Investments are a big piece of the puzzle for retirement, but they're just one piece. We'll help you pull the rest together—income, healthcare, taxes, legacy, and the day-to-day decisions—so the full picture feels clear and intentional.
Investment Management
A great retirement investment strategy isn't about removing risk entirely – it's about removing income risk. Our Two Bucket strategy means you'll have plenty of safe dollars to live off of, while still capitalizing on market growth.
Tax Planning & Prep
Taxes don't go away in retirement. In fact, a solid, well-executed tax strategy becomes that much more important. We'll develop and implement a tax strategy to minimize your lifetime tax bill using Roth conversions, gifting strategies, and maximizing your credits and deductions.
Straightforward fees
Full-Service at a Flat Fee
We charge a flat percentage of the assets we manage only on the first $2M invested. Anything above that, and your fee is capped, because the complexity on our end doesn't truly increase.
No Fee Beyond $2M Invested
We only charge a fee on the first $2M you invest with us, so your fee is capped at a maximum amount. Your plan doesn't get significantly more complex beyond this point, so we don't feel right charging you more.
Tax Planning & Prep Included
By preparing and filing your taxes in-house, we ensure that your financial plan is truly tax optimized, and the strategies we design are implemented correctly. If you have an accountant you like, we'll discount your fee.
How it works
Share a little about yourself
Our process starts with getting to know each other. Share a bit about your situation on a short intake form so we can see if there's a potential fit before anyone invests a lot of time.
An introductory conversation
Next up is a relaxed phone call—no pressure, no pitch deck—just a conversation to hear what's on your mind, answer your questions, and make sure we're pointed in the same direction.
If we're both a yes
When it makes sense to keep going, we'll walk through what working together looks like—how we'd organize your financial life, stay proactive, and help you feel confident about the decisions ahead.
Reliable. Proactive. Down-to-earth.
We've intentionally designed our team to support you in making your retirement years your best years. Our retirement specialists include a Certified Financial Planner, a Chartered Financial Analyst, and a Certified Public Accountant, giving us the ability to handle every aspect of your retirement plan in one place.
David Fortosis, CFP® is our owner and primary advisor. He's built his firm and his home in Naperville, and loves working with local clients who he can meet in person and truly get to know.
Schedule a Call
Frequently asked questions
Heritage Wealth has been serving clients for over 30 years, providing comprehensive financial planning, investment management, and tax services to families approaching and in retirement.
We charge a flat percentage of the assets we manage only on the first $2M invested. Anything above that, and your fee is capped. Tax planning, preparation, and filing are included in our fee. We believe this is extremely fair to our clients.
Your accounts are held at a third-party custodian, not with Heritage Wealth directly. This provides an additional layer of security and transparency for your investments.
We schedule regular check-ins throughout the year to review your plan, discuss any changes in your life, and make adjustments as needed. Most clients meet with us quarterly, but we're always available when you need us.
Yes! Tax planning, preparation, and filing are included in our fee. Our in-house CPA and Enrolled Agents will prepare and file your return. If you already love your accountant, we'll collaborate with them and discount your Heritage fee accordingly.
Yes, Heritage Wealth is a registered investment adviser and we operate as a fiduciary. This means we are legally required to act in your best interest at all times.
Where we work
We serve clients in person and virtually. If you're nearby, we'd love to meet in person at your home or at our office. Many of our clients are located in Naperville, Lisle, Geneva, Chicago, Wheaton, West Chicago, St. Charles, Glen Ellyn, and Winfield.