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.
Where are you starting from?
Most people come to us in one of three situations.
Looking for a change
You have an advisor. A couple pie charts once a year. Questions that don't get real answers. You're not sure what you're paying for anymore.
Ready to hand it off
Thirty-five years, a 401(k), and a pension. You've handled it yourself this whole time. Now it's a bigger number and a shorter runway, and you'd rather not be the one deciding.
Happy doing it yourself
You're not looking to hand it over. You want it stress-tested by someone who does this all day.
You'll see where you're nailing it and where there's opportunity.
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.
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The questions that actually keep people up
When do we start Roth conversions?
Usually earlier than people expect. There's a window between the day you stop working and the day Social Security and required distributions begin, when your taxable income is the lowest it will ever be again. That's where most of the tax work lives, and it closes on its own.
Tax Planning & PrepWhere does the paycheck come from?
For thirty-five years it came from work. Now it comes from four or five places at once, in an order that shapes your tax bill for the next twenty years. Getting that sequence right is most of the job.
Retirement Income PlanningHow much can we actually spend?
Not a range, and not "you're on track." An actual number, with the tradeoffs behind it. It's the question everyone has and almost nobody gets answered.
Financial PlanningWe're a little different
Our fee, plainly
We charge 1% of the assets we manage, and we only bill on the first $3 million. Above that, your fee doesn't grow.
That covers the planning, the investment management, and your tax return — prepared and filed by us. One advisor, one fee, one person accountable for all of it. Prefer to work together just once? Our flat-fee plan might be the better fit.
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.
We're Right Down the Block
Although we have clients all over the country, we prefer to serve individuals and families in Chicago and the surrounding suburbs. Whether we host you at our office in Naperville, or come to your neighborhood, we're always close by.
Tell us a bit about your situation, then grab 15 minutes to see if we're a fit.
Schedule a CallFrequently asked questions
Heritage Wealth was founded in 2019 to provide comprehensive financial planning, investment management, and tax services to families approaching and in retirement.
We charge 1% of the assets we manage, and we only bill on the first $3 million. Above that, your fee doesn't grow. 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.
Keep them. We've worked alongside outside CPAs for years and coordinate with them directly. Your fee is the same either way.
Yes, and it's free. It's a couple of meetings and a real analysis rather than a quick glance at your statement — here's what that involves.
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.