Investment Management
Investing for retirement isn't about chasing returns. It's about creating a reliable income - today, tomorrow, and 20 years from now. We help you invest in a way that matches how you'll actually use your money.
Schedule a CallWhat you actually need from your investment strategy
The traditional 60/40 portfolio was built for a textbook investor — not for real retirees. Here's what we focus on instead:
You're not just buying stocks and bonds — you're building a retirement income system. And we help you do that with a strategy that actually works in the real world.
The Two-Bucket Investment Strategy
We separate your investments into two distinct "buckets" based on their job. As you spend from the Safe Bucket, we refill it from the Growth Bucket — so you always know where your income is coming from.
Safe Bucket
Short-Term Income Needs
- • CD's/Bond Ladders
- • Money Market Accounts
- • Fixed Annuities
This is what you'll draw from in the short term — stable, low-volatility assets that give you peace of mind.
Growth Bucket
Long-Term Income Needs
Equity portfolio comprised of low cost, broadly diversified ETFs & mutual funds
This grows over time and replenishes the Safe Bucket as needed.
How we invest differently
Low-Cost, Tax-Aware Portfolios
We use evidence-based strategies built on academic research, not industry trends — with low fees, broad diversification, and smart tax placement.
Proactive Rebalancing
We don't "set it and forget it." Portfolios are regularly reviewed and rebalanced to maintain proper alignment with your plan and market conditions.
Aligned With Your Plan
Investment decisions aren't made in a vacuum. Every dollar has a purpose, and that purpose is defined by your overall financial plan.
Ready to get started?
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.