Your Heartwood advisor will prepare a prudent investment strategy based on your objectives and risk tolerance. Then we will implement and monitor it, consistently and carefully, with a broad range of best-in-class products and services.

 Additionally, unlike the average investor, you will have access to an exclusive suite of managed portfolios, customized to your specific liquidity needs, growth expectations and family situation. These portfolios utilize proven asset allocation and diversification techniques under the guidance of experienced portfolio management teams. Like all of our managed portfolios, it will be regularly monitored, adjusted and systematically rebalanced to ensure that it continues to reflect your personalized plan.

These days, insurance can also be designed to meet specific investment objectives. With the help of your Heartwood advisor, you can implement a program that strengthens and safeguards your family’s financial security through a personalized plan.

We work with leading insurance providers to manage the risks and maximize the opportunities at every stage of your personal and professional life. You may be advised to consider:

*   Protecting your current income
*   Sheltering your investments
*   Supplementing your pension at retirement
*   Providing for accident, illness, or disability
*   Protecting your business against the loss of key personnel
*   Providing employees with group insurance and retirement plans
*   Planning for your business succession

It’s a fact of life in this country—the more you have, the more you must pay. By working with tax professionals, Heartwood advisors are adept at keeping more of your money in your pocket. Because it’s not so much what you make that counts, it’s what you keep.

We can deploy a whole arsenal of tactics to minimize your tax burden. Tax-smart strategies include:

*   Choosing tax-deferred and tax-exempt options
*   Optimizing tax-preferred income in non-registered plans
*   Establishing trusts and endowments
*   Splitting income among family members

You can’t take it with you, but you can decide where it will go and how smooth the transition will be. And a well-structured, effective estate plan is ideal for transitioning your wealth without incident.

 Turn to Heartwood for wise counsel on:

*   Transferring your assets to the next generation
*   Minimizing capital gains taxes and probate fees
*   Maximizing tax-exempt legacy opportunities
*   Strategic charitable gift planning
*   Taking advantage of estate freezes

Developing a retirement plan that capitalizes on the opportunities of today is all well and good, but true retirement planning builds a strategy that is sustainable over the long term and can adapt as your life, markets, and laws.

Our advisors will work with you to find the right balance between preserving your hard-earned wealth and benefiting from upside potential to grow and maintain your lifestyle through retirement. So, you can be comfortable now and always.

For many investors, financial success goes beyond just what they build for themselves. By incorporating your philanthropic goals into our wealth planning process, we ensure your wealth and values can leave a lasting impact.

As with everything we do, our advisors have the skills, resources and partnerships needed to create a plan tailored to your specific situation and values. We’ve developed investment and tax efficient solutions to provide individuals, business owners and families a charitable giving experience that’s as simple as it is fulfilling.

 Whether you wish to support the arts, conserve natural resources, advance medical research or help the world’s underprivileged children, Heartwood offers strategic gift planning advice to help you reach your philanthropic goals.

You've worked hard to build your business. And you deserve to be well compensated for your time and energy upon retirement. Expertise and planning are essential. We will work with you to identify options that will give you flexibility and control over how and when you leave the business, while ensuring that all stakeholders’ interests are respected. We can help to enhance the value of your business, maximize the proceeds of a sale, and minimize or eliminate taxes, all while helping to reduce the likelihood of family discord during this important transition.

From managing global assets and dynastic legacies to navigating family dynamics, multijurisdictional tax compliance—and even bill payments—we can seamlessly serve your wealth needs.