At Heritage Financial Strategies, a Maridea Company, we work to make investing fun and simple to understand. We know our clients feel most comfortable when they understand their financial plan and investments. As an investment fiduciary, it is our responsibility to act in the best interest of our clients.

✅ What It Means to Be an Investment Fiduciary

An investment fiduciary is a financial professional who is legally and ethically bound to act in your best interest.

Before June 2017, there was no formal fiduciary rule, meaning not all financial professionals were required to put clients first. Unfortunately, some acted in their own best interests — sometimes at the expense of their clients.

Today, many federal and state regulators are working to pass or enforce fiduciary standards that hold financial professionals to a higher level of accountability. These rules are designed to protect you — the investor.

🧵 What’s the Difference?

Think of it like this:
The old standard was like selling someone clothes that simply fit.
The fiduciary standard is about making sure they fit and flatter — it’s about what’s best for the client, not just what works.

💬 How We’ve Always Operated

Whether or not a law requires it, we’ve always acted in our clients’ best interests. That includes:

• Helping you develop a personalized financial plan

• Aligning investments with life goals (buying a home, retiring, traveling, etc.)

• Being transparent about fees, risks, and returns

• Welcoming your questions — always

💰 Transparent Fees

As fiduciaries, we believe in fair and reasonable compensation. Here's how it works:

• Our maximum advisory fee is 1.1% of your account balance annually

• This fee is billed monthly (1/12th each month) and clearly listed on your statement

• Your fee may be reduced based on the total assets we manage for you

We’re happy to walk you through the full fee structure anytime.

📢 Clear, Honest Communication

The fiduciary standard also requires that professionals:

• Avoid misleading statements

• Disclose any conflicts of interest

• Be transparent about compensation

While there’s no universal system to track compliance just yet, we choose to lead with integrity — and always invite you to ask questions about any recommendation we make.