The peace of mind I’ve gained by working with Heritage and Chad Smith is immeasurable. First, Heritage is a NAFPA-member, and their combined experience, responsiveness, and thorough understanding of my financial situation reassured me that they were acting in my fiduciary interests alone. Secondly, Mr. Smith and co. are personable and happily referred me to other professionals to assist with other non-financial aspects of my situation. I was wary of seeking financial guidance that may have cost more than it was worth, but their efficiency only improves their incredible value. I’m confident I’ve mapped out a financial plan that will take me through college and beyond without debt and with maximal savings.

Extremely disappointing experience. Heritage Financial Planning made us a whopping 0% gain from 2013 to 2019 when the market gained 62% during that time. Granted there were distributions, but another self-managed account gained over 25% with the same percentage RMDs being taken out.