Managing your investments & other assets is personal
Whether you’re a business owner, executive, farmer, professional, or retiree, get a personalized plan from our team of experts to help you every step of the way.
Achieve your financial investment goals
No matter where you are in life, our skilled wealth management team will be focused on helping you to enhance and preserve your financial future by working with you to develop a personalized plan.
What is your risk tolerance?
Do you want to be conservative, aggressive, or somewhere inbetween with your investments?
Take the quiz to see how you might consider investing based on your risk tolerance level.
Our methodology and investment philosophy
We utilize a highly disciplined, fundamentally based and risk aware approach in managing portfolios for our clients.
Preservation of capital during difficult markets
We believe preserving investment value in difficult markets is equally as important as generating strong returns in rising markets.
Investment decisions based primarily on strong fundamentals
Our investment decisions are based upon the underlying fundamentals of the security.
Long-term view of the markets
We believe markets generate short-term noise that often distracts investors from making sound investment decisions. We continually filter through the distractions and focus on the longer-term opportunity present in specific portfolio holdings.
Risk-aware portfolio construction
We actively monitor portfolio risk relative to our benchmark and client objectives; by utilizing portfolio-based factors, name limitations, sector weight constraints, portfolio characteristics and analytical tools.
It allows us to effectively balance the level of conviction surrounding an investment with the level of risk it contributes to the portfolio. This active risk budgeting provides a strong framework for the allocation of risk and return in the portfolio.
Several years ago, my father passed away unexpectedly. His estate contained farmland, stocks, and other real estate. Heritage Bank’s trust department was very helpful and stepped in to provide the help our family needed during this critical time.
Cheryl J.
customer since 2017
Tips to increase your financial IQ
Resources for brand new investors
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Investment and Insurance Products are:
- NOT INSURED BY THE FDIC
- NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
- NOT A DEPOSIT OF OTHER OBLIGATION OF, OR GUARANTEED BY, Heritage BANK, OR ANY BANK AFFILIATE
- SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
