https://htgwealth.com/insights Retirement, tax, and investment planning insights from Heritage Wealth in Naperville, IL. en-us https://htgwealth.com/insights/red-flags-your-advisor-isnt-working-for-you/ https://htgwealth.com/insights/red-flags-your-advisor-isnt-working-for-you/ Five warning signs your financial advisor may no longer be the right fit — from radio silence to fee confusion — and when it’s time to find a retirement specialist. Call (630) 868-9127. Thu, 16 Jul 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/what-is-a-non-taxable-account/ https://htgwealth.com/insights/what-is-a-non-taxable-account/ Financial decisions today can affect your lifestyle for decades to come. That’s especially true for how you structure your investments and savings. One term ... Thu, 02 Jul 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/what-to-do-with-inherited-stocks/ https://htgwealth.com/insights/what-to-do-with-inherited-stocks/ Inheriting stocks can bring mixed emotions. You may feel grateful for the financial gift, but also uncertain about the best next steps. Thu, 18 Jun 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/should-i-consolidate-all-my-retirement-accounts/ https://htgwealth.com/insights/should-i-consolidate-all-my-retirement-accounts/ Retirement can feel like the start of a brand-new chapter, but the lead-up often involves sorting through years of financial accounts. Thu, 04 Jun 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/what-is-a-non-qualified-investment-account/ https://htgwealth.com/insights/what-is-a-non-qualified-investment-account/ When people think about investing for the future, retirement accounts, such as 401(k)s or IRAs, usually come to mind. But what about the money you want to in... Thu, 21 May 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/what-is-a-qualified-investment/ https://htgwealth.com/insights/what-is-a-qualified-investment/ Investment language can feel crowded with jargon, but your decisions should never hinge on guesswork. If you are building retirement savings or fine-tuning y... Thu, 07 May 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/what-happens-when-you-inherit-stocks/ https://htgwealth.com/insights/what-happens-when-you-inherit-stocks/ Inheriting stocks can feel both meaningful and overwhelming. For many families, these shares represent more than just financial assets. They also represent a... Thu, 16 Apr 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/how-to-retire-happy-wild-and-free/ https://htgwealth.com/insights/how-to-retire-happy-wild-and-free/ Retirement should feel less like the end of something and more like the beginning of an exciting new chapter. Thu, 02 Apr 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/what-to-ask-a-financial-advisor-in-your-first-meeting/ https://htgwealth.com/insights/what-to-ask-a-financial-advisor-in-your-first-meeting/ Meeting with a financial advisor for the first time can feel like a big step. It’s a chance to get answers, explore your options, and figure out whether the ... Thu, 19 Mar 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/how-should-i-prepare-for-retirement/ https://htgwealth.com/insights/how-should-i-prepare-for-retirement/ Retirement means different things to different people. Thu, 05 Mar 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/how-to-maximize-tax-efficiency-in-retirement/ https://htgwealth.com/insights/how-to-maximize-tax-efficiency-in-retirement/ Taxes play a significant role in whether your income stretches far enough to support the lifestyle you want. Thu, 19 Feb 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/learn-how-to-minimize-estate-taxes-for-your-legacy/ https://htgwealth.com/insights/learn-how-to-minimize-estate-taxes-for-your-legacy/ Planning for the future means considering the financial impact that your loved ones may face. Estate taxes can significantly reduce what gets passed on to ch... Thu, 05 Feb 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/should-i-convert-to-roth-ira/ https://htgwealth.com/insights/should-i-convert-to-roth-ira/ Are you thinking about converting your traditional IRA to a Roth IRA? You’re not alone. Many folks are weighing this option as they plan for retirement, and ... Thu, 15 Jan 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/how-to-invest-for-retirement-income/ https://htgwealth.com/insights/how-to-invest-for-retirement-income/ Planning for retirement isn’t just about having enough. It’s about knowing how your money will support your life after the paychecks stop. That’s where the i... Thu, 01 Jan 2026 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/do-you-need-fiduciary-planning-services-find-out-how-it-works/ https://htgwealth.com/insights/do-you-need-fiduciary-planning-services-find-out-how-it-works/ Financial decisions can feel overwhelming when there are so many options, accounts, and strategies competing for your attention. That’s why many people want ... Thu, 18 Dec 2025 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/how-to-manage-estate-planning-family-conflicts/ https://htgwealth.com/insights/how-to-manage-estate-planning-family-conflicts/ Estate planning encompasses more than just documents. It is about people you love and the choices that affect them. Clear plans and open conversations can pr... Thu, 04 Dec 2025 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/how-to-choose-a-financial-advisor-in-naperville/ https://htgwealth.com/insights/how-to-choose-a-financial-advisor-in-naperville/ Picking the right guide for your money should feel clear and calm. This article shows Naperville families and professionals how to choose a financial advisor... Thu, 20 Nov 2025 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/what-is-a-fiduciary-financial-advisor/ https://htgwealth.com/insights/what-is-a-fiduciary-financial-advisor/ Planning for retirement involves more than choosing investments or calculating income sources. It’s about deciding who you can truly trust to guide your fina... Thu, 06 Nov 2025 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/what-is-investment-management/ https://htgwealth.com/insights/what-is-investment-management/ Asking “What is investment management?” is a critical step toward building a strong financial foundation. Thu, 16 Oct 2025 12:00:00 GMT david@htgwealth.com (David Fortosis) https://htgwealth.com/insights/financial-advisor-checklists-a-guide-for-staying-organized/ https://htgwealth.com/insights/financial-advisor-checklists-a-guide-for-staying-organized/ When people think about financial planning, they often picture investment choices or retirement accounts. What they might not realize is that organization pl... Thu, 02 Oct 2025 12:00:00 GMT david@htgwealth.com (David Fortosis)