Your Personal Chief Financial Officer
You’ve worked incredibly hard to build your wealth so as you look to the future to continue building and sustaining your wealth, we believe that you deserve exemplary customer service from your financial advisory team.
We take great pride in offering to provide you and your family with services that are above and beyond just investment management. Our team is here to help serve as your personal CFO, helping guide you through life’s ups and downs, market condition changes, and any other situation that can be life-changing. You can count on us to be there when you need us.
Complex Financial Needs-Simplified
Let’s face it….investment management today can be very confusing for investors. We believe that our job is to take complex financial situations and make them simple for our clients to understand. We’ll do the heavy lifting for you.
Heffernan Financial helps clients prepare for the future, reach their big goals, and make the best financial decisions for their businesses all while putting their values and aspirations first.
Wealth Management
We help high-net-worth individuals align their wealth management choices with their goals for the future, no matter how complex. We specialize in helping you make sense of your money.
We’ll create a personalized financial portfolio and map out a path to your goals that makes the most sense for you as an individual. As fiduciary advisors, it’s our job to only give you financial advice that is in your best interest. We’ll advise you, not sell to you.
Our clients engage in our comprehensive wealth management approach and are guided through a disciplined five-step process which includes: a unique discovery meeting, investment consulting, wealth transfer, wealth protection, and charitable giving.
Wealth Management Process
Step One: A Unique Discovery Meeting
We start by learning about you—your goals, priorities, and financial concerns. This conversation sets the foundation for everything we do, ensuring that our recommendations are tailored to your life.
Step Two: Investment Consulting
Next, we design an investment strategy that reflects your objectives, time horizon, and risk comfort. Our focus is on building a portfolio that works as hard as you do, aiming for growth, stability, and long-term results.
Step Three: Wealth Protection
Your financial plan wouldn’t be complete without safeguards in place. We help protect what you’ve built through risk management strategies, insurance reviews, and asset protection planning.
Step Four: Wealth Transfer
From succession planning to inheritance strategies, we help you create a smooth transition for your wealth helping to ensure that it reaches the right people at the right time.
Step Five: Charitable Giving
For many clients, giving back is a core part of their financial vision. We help you structure charitable contributions in a way that amplifies your impact while aligning with your overall financial plan.
Impact investing
Some clients want their investments to make a positive impact. Through environmental, social, and governance investing (ESG), we’ll help you organize your portfolio in a way that aligns with your values and leaves you feeling good about the work your money is doing for you (and the causes you care about).
Expenses
One of the most frequently asked questions we receive is related to investment management fees and expenses. You clearly want to grow and protect your principal holdings but there is a cost associated with that. We will always provide you with full disclosure of how we are compensated, along with fair and reasonably priced services.
Tax Planning
With possible income tax changes coming in the near future that will impact high net worth individuals, one of our team’s priorities is implementing smart tax strategies. We look at all aspects of your financial situation so that any changes are done with care in an effort to minimize taxation issues.
An Established Advisor
We believe you deserve to know how your financial advisor is managing your money. You deserve timely responses and a financial plan that is structured with your goals in mind. At Heffernan Financial, we only work with clients who we feel we can truly impact.
As fiduciaries, we are required to keep your best interest as our top priority. This means we aren’t salespeople who will try to persuade you to opt into financial products from which we receive a commission. Instead, you’ll know that any recommendation we make to you is truly our best.
*Please Note: Limitations. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Heffernan Advisory, Inc. dba Heffernan Financial does not serve as an attorney, accountant, or insurance agent. Heffernan Financial does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, a Heffernan Financial representative, in their separate licensed individual capacities, can be engaged to provide insurance sales/services as described in the Heffernan Financial written disclosure Brochure (a copy of which is linked to this web site) per the terms and conditions of a separate engagement and fee.
