FAQs

What is Heartwood Advisory and who do you serve?

Heartwood Advisory is a fee‑based financial advisory firm serving families, professionals, and business owners who want clarity and confidence in their financial lives. We help clients make thoughtful decisions about money through education, planning, and ongoing guidance tailored to their goals.

Is Heartwood Advisory a fiduciary?

When providing advisory services through our Registered Investment Adviser, we act as a fiduciary and are required to put clients’ interests first. Heartwood is also affiliated with a broker‑dealer, which allows us to receive commissions. Regardless of the capacity, we operate with transparency and a client‑first mindset.

What services does Heartwood Advisory offer?

We offer investment management, retirement planning, cash‑flow and budgeting support, risk‑management guidance, and general financial planning. When appropriate, we also help clients evaluate insurance needs or service existing policies. Our goal is to help you understand your options and make informed decisions across the major areas of your financial life.

How does Heartwood Advisory get paid?

As a fee‑based firm, we may be compensated through advisory fees, commissions, or a combination of both, depending on the service provided. Advisory fees are typically charged as a percentage of assets under management or as a flat planning fee. Commission‑based compensation is generally limited to insurance‑related products when appropriate. All costs are explained clearly before any work begins.

What does the first meeting look like?

The first meeting is simply a conversation. We talk about what matters to you, what prompted you to reach out, and what you want your financial life to look like. There’s no pressure and no documents required. It’s a chance for you to get a feel for how we work and for us to see whether partnering together makes sense.

How do I know if Heartwood Advisory is a good fit for me?

We’re a good fit if you value clarity, long‑term thinking, and a collaborative relationship. Our clients appreciate having a guide who explains things in plain language and helps them make confident decisions. If you want a steady partner who takes the time to understand your story and walk with you through life’s financial decisions, we may be a strong match.

Does Heartwood Advisory provide tax, legal, or accounting advice?

We do not provide tax, legal, or accounting advice. When appropriate, we collaborate with your CPA or attorney to help ensure your financial plan aligns with your broader professional guidance. We’re happy to work as part of your advisory team.

How does Heartwood Advisory protect my personal and financial information?

We use secure, industry‑standard technology to protect your data, including encrypted communication, secure client portals, and multi‑factor authentication. Your privacy and security are a top priority, and we follow strict protocols to safeguard your information.

What is Heartwood Advisory’s investment philosophy?

We take a long‑term, disciplined approach to investing. Our philosophy emphasizes diversification, risk awareness, and alignment with your goals and time horizon. We focus on helping you stay invested through market cycles and make decisions based on your plan rather than short‑term market movements.

Does Heartwood Advisory offer virtual meetings?

Yes. We work with clients both in person and virtually, depending on what’s most convenient for you. Many clients appreciate the flexibility of video meetings, especially during busy seasons of life.