At Heritage Financial Strategies, a Maridea Company, we strive to make investing approachable and easier to understand. Many clients tell us they feel more comfortable when they understand their financial plan and investments. As an investment fiduciary, we are committed to putting client interests first in the guidance we provide.

✅ 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?

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

Our focus has consistently been on acting in the best interests of our clients, and we continue to hold ourselves to that standard.

• 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 aim to provide compensation that is fair and reasonable. 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 strive to lead with integrity — and we welcome your questions about any recommendation we make.