It’s about you and your goals
We want to get to know you and make a customized plan to help you achieve your financial goals.
In executing the wealth management process, we work closely with you to develop a personalized investment plan that’s tailored to your needs.
We’ll meet with you on a regular basis to review your investments, discuss changes that may occur, and make any necessary adjustments to your plan.
I feel safe and secure working with the team of professionals at Heritage Bank. They’re committed to working with me in implementing a personalized plan for my financial future.
Heather Y.
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.
The cost of trying to time the market
Trying to time the market or reacting to the latest trends or news in making changes to your portfolio, while tempting, involves getting two nearly impossible decisions correct: when to sell and when to buy.
An important benefit of working with Heritage Bank is the opportunity to establish a long-term investment strategy that remains consistent with your goals and doesn’t involve trying to time the market.
The cost of market timing
Risk of missing the best days in the market 1997 – 2017
Risk vs. return asset allocation model
As an investor, you can’t completely eliminate risk, but you can manage it through the diversification of the investments you hold. Investment returns tend to be higher as the level of risk goes up.
At Heritage Bank, your portfolio of investments will be constructed in a manner that is consistent with your financial objectives and your tolerance for risk.
Risk vs. return
The asset allocation model
What this means when we work together
The investment process
1: Validate
Is the portfolio meeting your objectives?
– ensure conformance with investment policy statement and regulatory requirements
– enhance rebalance
2: Assess
What are your motivations for investing?
– cash flow needs
– return expectation
– risk tolerance
– investment horizon
3: Monitor
Is the portfolio performance consistent with your objectives?
– relative performance
– cash flow
– benchmarking
4: Implement
How will your portfolio be structured?
– eligible investments
– asset allocation
– security selection
– market conditions and opportunities
We work best with:
Individual investment
portfolios
The experience and resources to tailor your individual
investment portfolio to your objectives, risk tolerance, and
time horizon.
IRA’s – traditional,
roth, SEP & Simple
Our wealth professionals can handle all IRA phases including
contribution, investment growth, and the annual distribution of
your retirement funds.
Companies &
businesses
Well-equipped to manage investments for companies and
businesses. We’ll help you put together an investment objective
that’s tailored to your unique corporate goals.
Trusts
Experienced corporate trustee to manage your trust or estate
plan. Our experienced trust officers have the knowledge and
background to administer any type of trust.
Nonprofits, foundations,
endowments
Years of experience and expertise to manage diversified
investment portfolios for non-profits, foundations and
endowments that are strategically aligned with a specific
investment policy.
Individual or couple with cash to invest or an existing investment portfolio. Looking for financial advice, planning, and management.
Looking for a professional to evaluate their financial situation and provide a disciplined investment approach.
Individual or couple ready to roll his/her retirement plan into an IRA.
Looking for financial advice, planning, and management. Independent and capable of making decisions but prefer to place investments with a professional.
Non-profit organization
(School, Church, Foundation, Endowment, Institution)
with long-term investment plans.
Desires sophisticated, professional investment services. Can benefit from fiduciary investment discipline to attract donors.
Individual or couple seeking traditional trust and investment management services.
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.
Financial advice for the beginner to expert
Resources for brand new investors
Resources for experienced investors
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
