400 North Ponce de Leon Blvd.
Saint Augustine, FL 32084
Phone: (904) 824-4349
Office Hours:
Mon-Thu: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 4:00 PM
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As fiduciaries, our advice is guided by a duty of loyalty and care. The goal is to give clients greater confidence in their decisions and the freedom to enjoy what their hard work has made possible, whether that means retiring, traveling, spending more time with family, giving to others, or simply worrying less.
We help clients turn their financial resources into a plan for the life they want to live. Our advice may include preparing for retirement, creating a dependable retirement income strategy, evaluating Social Security and pension decisions, managing cash flow, planning for major purchases, and helping families make thoughtful decisions across generations.
We build and manage portfolios around each client’s goals, time horizon, income needs, and comfort with fluctuations. Our approach emphasizes diversification, disciplined decision-making, cost awareness, and ongoing risk management so clients can remain focused on their long-term plans without feeling compelled to react to every change in the markets, economy, politics, or culture.
Financial decisions rarely happen in isolation. We serve as a trusted financial partner, helping clients evaluate tax opportunities, estate and beneficiary considerations, charitable giving, insurance needs, and other important family decisions. When appropriate, we also coordinate with attorneys, accountants, and other professionals to help keep each part of the financial picture working together.
Here is just a small sample of the questions we ask our new clients to get a full sense of what they value and what they want to accomplish by partnering with Heffernan Financial.
When you work with us you gain access to an experienced team. We’ll tailor your portfolio to your values and help you make the complex financial decisions seeking to accomplish your goals. We’ll focus on strategies that help you “move the needle” on the goals you care about the most.
We’ll give you advice, not sales pitches. We’ll hold ourselves to the fiduciary standard, which means we’ll make sure our recommendations are in your best interest and not based on potential commissions. We’ll remain accessible to you and answer your emails without delay.
*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 does not serve as an attorney, accountant, or insurance agent. Heffernan does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, one of Heffernan's representatives, in their separate licensed individual capacities, can be engaged to provide insurance sales/services as described on Heffernan's written disclosure Brochure (a copy of which is linked to this web site) per the terms and conditions of a separate engagement and fee.
