Financial Planning
At Heritage Wealth, financial planning isn't a one-time report, it's an ongoing partnership. We help you organize every area of your financial life so you can make smart, confident decisions at every stage of retirement.
Schedule a CallWhat is financial planning?
Ever wonder what an advisor means when they say "financial planning"? We think it's simple. 1) Written goals - for your lifestyle, your income needs, your legacy ambitions and 2) A detailed, year by year game plan to get you there. We'll help you with both.
Investment Strategy
We align your investments with your short- and long-term goals, using our Two-Bucket Strategy to ensure you always have accessible cash and long-term growth potential.
Tax Planning & Filing
Taxes are an important consideration in retirement planning. We help you time Roth conversions, charitable gifts, and distributions to minimize your lifetime tax bill — not just this year's.
Retirement & Social Security Planning
How much can you safely spend? When should you take Social Security or pension income? Should you pay off the mortgage or keep cash on hand? We build a detailed plan that gives you real answers.
Health & LTC Planning
We'll help you understand Medicare, evaluate long-term care options, and build a plan that supports both your health and your wealth.
Estate & Legacy Planning
Whether you're hoping to leave money to family or support causes you care about, we'll help you do it tax-efficiently and with clear documentation.
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.
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.
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.