/Who We Serve
Who We Serve2019-01-24T10:40:14+00:00

Who We Serve

Whether your pocketbook is bursting at the seams or it has room for a few bucks, we are all just people. Because of that fact, HeartStone Advisors treats everyone the same – client or not. We aim to help create a better community by offering our best selves at all times.

HeartStone Advisors works in a fiduciary capacity for all our clients – whether they’re a corporate retirement plan or family. Our fees are simple and transparent – we charge an annual fee based on the assets we manage. That’s it. No commissions, no sales charges, no hidden costs!

For individuals and families, we offer a strong track record in retirement planning and asset management. For 401(k) plans and pensions, we’re ERISA 3(38) managers, offering comprehensive solutions that significantly reduce liability for plan sponsors. We are investment fiduciaries who pride ourselves on providing independent, impartial guidance at costs that are viable in today’s investment industry.

Through six decades in the financial services industry, we’ve helped people from all phases of life: everyone from young parents looking to purchase their first home to corporate executives of publicly traded companies. Though our clientele is certainly varied, the services we provide do not change. Regardless of your net worth or the difficulty of your financial situation, HeartStone will bring the same level of fiduciary consideration to all of our clients.

Individuals

To build a smart investment plan, you have to know why you are investing. Once you know the goal, figuring out which decisions are most likely to get you there becomes easier.

At HeartStone Advisors, we collaborate with clients in all stages of life. Whether you’ve just graduated from college and want to start saving for the future, you’re having your first child and want to start a college fund, or you want to figure out what you’ll need for a comfortable retirement, we can help you reach your goals.

Rather than being one of millions at a large brokerage institution, our clients receive personal attention from a small team of dedicated employees.

With a thorough understanding of your financial situation, goals, and objectives, we are able to satisfy any of your financial needs. Throughout our relationship, you can rest assured that you have a team of advisors just as committed to your financial goals as you are.

Our comprehensive offering of fee-only financial planning services allows us to assist our clients with a variety of their needs. These services include investment planning, budgeting, and cash flow analysis, insurance planning, retirement planning, estate planning, charitable giving, education planning, and even advice on tax planning and preparation.

Families

We believe in financial planning that benefits the entire family. If your goals are to pay for your children’s or grandchildren’s education, we can help. If you want to ensure you are not a burden on your family at the later stages of life, we can help.

Managing your family’s finances is no easy task. There are limitless financial hurdles for families, including retirement savings, college tuition, home ownership, and more. Through all of these challenges, finding solutions to your short and long term goals is possible with proper planning.

financial planning servicesWe know from experience. We are authorities in assisting families to care for each family member’s needs—both now and in the future. By producing a complete, tailored financial plan, we can assist your family to arrange financial objectives, meet expenses, and save for long-term peace of mind.

Your family deserves all the benefits of a strong financial foundation. HeartStone Advisors can help you set aside money for education, plan for retirement, safeguard family members through insurance guidance, use assets wisely, and enjoy short and long-term financial flexibility.

Our priority is to make the financial planning process easy, even though your life is not. Our methodology removes speculation and offers sound advice that leads to a secure outcome.

As we begin, we will want to pinpoint your family’s goals by learning as much as we can about you, your family, and your shared plans for the future. By sharing this information, we can get a better idea of how to establish and set targets, together.

Protecting your family is one of our top priorities and we want to ensure we are minimizing risk. Before moving forward with a plan, we identify areas in which you are financially vulnerable so that we can take action to protect your family and its assets.

Next, we will collaborate with you to establish a strategy. We’ll help you decide which savings, investment, and insurance strategies are right for your family.

Lastly, we understand that things change. The plan we create together will be a flexible one. We will pay close attention and respond with necessary adjustments to your needs and market fluctuations.

Business Owners

Not only do we provide financial services to high-net-worth individuals and families, but we also assist business owners and their professionals to plan and save for the future. Our business owners can benefit from services such as retirement & 401(k) plan development and additional retirement options for their employees.

Whether it’s focusing on how to grow your business, hiring the right people, or perfecting your craft, you are constantly met with important decisions that will impact your bottom line. HearStone Advisors is here to offer support as you are faced with your daily operations.

Your personal finances are intimately joined with your business and you know that a choice regarding one will impact the other. It is very common for a majority of your personal wealth to be tied up in your company. You need to simplify all the moving parts to begin achieving your own financial goals without jeopardizing the stability of the business. As your advisor, we will create a holistic plan that will address both your personal financial needs and those of your business. We start with what’s best for you and your family.

Our services include financial planning and investment management that will guide you down the road to long-term financial success. Whether it’s saving for retirement, opening another business, or buying a second home, we will produce a strategy that plans for the unexpected.

retirement planningBeing small business owners ourselves, we have carved a distinct niche in assisting small to medium sized business owners. We are very mindful of the distinct connections between you and your business. We recognize that your business is not only tied to your financial wellbeing, but it is also deeply personal as well.

Considering we have a strong track record in 401(k) and pension management, we are able to work with business owners on both sides of the ledger. By incorporating personal advice into the management of their business’s 401(k) or pension, we are able to provide holistic advice for both the business owner and their business.

Many small to medium sized businesses lack the funds or expertise to have an in-house investment committee monitoring the nuances of their 401(k) or pension plan. HeartStone is the expert consultant for these businesses. We seek to meet at least annually with plan sponsors to monitor plan investments, and we also pride ourselves in providing employee education whenever possible.

If you want to implement a plan that will benefit both you as the business owner and the professionals you employ, contact us today to speak to an advisor who specializes in business planning.

Get Started Investing Today

The quicker you start down your path to financial freedom, the quicker you will reach your destination. The most important tool you have on your side is time.

We’ve been in business for a long time. One thing we’ve come to understand is that money isn’t everything, but relationships are. Your relationship with your loved ones, your employees, and with us are valuable and we do not take that for granted.

We invite you to contact us to find out how we can be of service to you and those you care about.

Get Started Today!