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 — pulling your investment management, tax planning, and retirement income into one coordinated plan.
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 our Naperville office. Many of our clients are located in Naperville, Lisle, Geneva, Chicago, Wheaton, West Chicago, St. Charles, Glen Ellyn, and Winfield.
Frequently asked questions
How long have you been in business?
Heritage Wealth was founded in 2019 to provide comprehensive financial planning, investment management, and tax services to families approaching and in retirement.
Isn't it expensive to work with a financial advisor?
We charge 1% of the assets we manage, and that single number covers retirement planning, investment management, and strategic tax planning, with returns prepared and filed through a partner tax firm that we coordinate. One percent is a common number in this business. What you get in return, spelled out up front, is what really matters.
Where will our accounts be held?
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.
How often will we meet?
We schedule regular check-ins throughout the year to review your plan, discuss any changes in your life, and make adjustments as needed — and we're always available when you need us.
Can you do our taxes too?
Yes. Tax planning, preparation and filing are included in our fee. Returns are prepared and filed through a partner tax firm, with Heritage coordinating the work as part of your overall plan.
What if I already have a CPA?
Keep them. We've worked alongside outside CPAs for years and coordinate with them directly. Your fee is the same either way.
I already have an advisor. Can you still look at my plan?
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.
Are you a fiduciary?
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.
Do you meet clients in Naperville, or do I have to come to your office?
Our office is at 55 Shuman Boulevard in Naperville, and that's where we meet. It's a short drive from most of the western suburbs, and sitting down together in person is the whole idea.