Heritage Financial Planning

About Heritage Financial Planning

When you choose Heritage Financial Planning, you can be assured that our team of advisors has an incredibly rich experience to draw upon for your financial well being. Each fiduciary on our team has an incredible blend of financial experience and technical expertise that gives clients peace of mind concerning their finances. Several of our advisors are members of the Financial Planning Association® (FPA), which has some of the highest education, training, and ethical requirements of any other financial industry association.

Meet Our Team Of Advisors

  Chad Smith | Heritage Financial Planning

Chad Smith


Allison Geiger | Heritage Financial Planning

Allison Geiger


Steve Blankenship | Heritage Financial Planning

Steve Blankenship


Mary Chastain | Heritage Financial Planning

Mary Chastain


Christina Winn-Meriam | Heritage Financial Planning

Christina Winn-Meriam


Tom Clark | Heritage Financial Planning

Tom Clark

Social Security Specialist


Our financial advisors are members of numerous professional organizations including the Financial Planning Association (FPA), which is the largest professional association of financial planning professionals. 

The Financial Planning Association is the leading membership organization and trade association for Certified Financial Planner™ (CFP®) professionals and those engaged in the financial planning process.

Our clients benefit tremendously from this collective expertise and experience in all areas of financial planning and advice.

Our advisors have built relationships with leading local Tax Accountants and Estate Planning attorneys that provide the resources to enable them to deliver coordinated full-service financial planning services.

Now is the time to act. In the words of Mark Twain, “Twenty years from now you will be more disappointed by the things you did not do, than by the ones you did".

Contact Our Team

Frequently Asked Questions

Financial planning is a multi-step process that provides you with two important things: (1) An in-depth review of your current financial situation, and (2) a blueprint that shows you how to achieve your goals and objectives for the future. It is important to remember that financial planning is a process . . . not an event.

First, we focus on your goals, objectives, priorities, and values. For instance: the reduction of current and future income taxes may be an immediate goal, funding a quality education for your children and/or grandchildren may be an intermediate goal, and enjoying a secure financial future in your retirement years is likely to be one of your most important long-term goals. Another great goal in life for some people is creating wealth and/or leaving a legacy for your chosen beneficiaries or charities. You may already be on the road to meeting these objectives and simply need a new strategy, professional insight, or to fine-tune your plan. Whatever your unique situation may be, everyone needs a periodic assessment of where they are on the road to meeting their financial goals. That’s why we do an in-depth review of your current financial situation. Next, you need to know how you can set about achieving (or continue working toward) your financial goals. By focusing on cash flow, investments, taxes, pensions, and retirement plans, estate planning, insurance issues, savings opportunities, and other general financial matters, we design and help implement a customized financial plan for you. Finally, to achieve the intended results, you must implement and monitor your plan.

Finding the right fit for your financial planning needs is absolutely critical, and finding the right fit for client relationships is essential for us as well. Our ideal client is fun to work with, interesting both personally and professionally, and one that appreciates professional guidance. Our ideal client understands that the reason that they are coming to us in the first place is that they are not an expert and want to work with experts not only in developing their financial plan, but also know that they are not experts when it comes to the implementation of the various facets of a financial plan. Our ideal client also understands how imperative it is to have ongoing rebalancing and monitoring of the investments.

It may seem like that at first, but the good news is, if you follow your plan and maintain a disciplined approach, you can rest well knowing you can reach your stated goals.

Our experience is that the failure rate of this type of arrangement is off the charts. Through our years of vast experience, we have shifted our approach on this topic. Of course it is always your money and you make the ultimate decision, however we are adamant that the stakes are too high for individual investors to implement on their own. That said, we are certainly not the only firm that excels in this area. We happily refer clients to other firms for this work when appropriate or at the request of clients. We want to avoid making this a self-serving proposition, instead focusing on ways to get people the help that they need even if that means working with another firm. You come first, always, and with a failure rate at approximately 80%, we cannot and do not recommend implementing on your own.

Because we are Fee-Only financial planners, we do not accept sales commissions; we work solely for our clients. Because we do not sell financial products such as investments and insurance, there are no third-party relationships or outside influences to color our thinking and financial recommendations. For more information on Fee-Only financial planning, including our Code of Ethics, Fiduciary Code and member requirements, please refer to this outside link to the CFP Fiduciary Oath

While we do not sell financial products, we will offer specific recommendations and opinions regarding the purchase of the various financial products that may be appropriate for you. If you need to obtain an insurance policy or a new mortgage, or find an estate planning attorney or tax professional, we can direct you to the resources you need and/or help you obtain these products and services. We prefer to be involved in the implementation of the portfolio, but there are times where another firm is a better fit.

But as I progress and build for the future, things seem to be getting more complicated. I want to be sure I am on track, but I don’t always have the time or inclination to manage the myriad details by myself. Can you help me? Yes. People who need more sophisticated financial planning or advice will find our services appealing and beneficial.

We provide advice for all types of securities, including mutual funds, stocks (as they relate to your portfolio holdings), bonds, bank deposits, variable and fixed annuities, limited partnerships and tax shelters. We also provide advice on mortgages, budgeting and cash flow issues, 401(k), 403(b) and other retirement programs, stock options, life and disability insurance, etc. If it has to do with money and finances, we can provide counseling, guidance and/or resources for you. Clients are encouraged to call us when they have a major life event, such as a new job, a baby, a marriage or divorce, or if they are planning to buy a new home or start their own business. We also encourage our clients to call us with more common everyday questions, such as: "How should I invest within my 401(k) or 403(b) plan?" "How can I reduce my taxes?" "What advice can you offer on refinancing my home?" "How can I maximize my Flex Spending Account, Cafeteria Plan or Section 125 Plan at work?"

As financial planners and investment consultants, we believe in the following fundamental principals with regard to designing an investment portfolio and making specific recommendations: The purpose of a client’s investment portfolio is to fund current and/or future financial objectives. The design of the portfolio must take into account the client’s financial objectives, tolerance for risk, needs for current income or liquidity, and special considerations such as income and estate taxes. The important thing to remember is that no one can predict the future. It is a difference of opinion that makes a market. Investment and economic "experts'' provided with the same information often come to different conclusions. We do not suggest that we can, or that any of the money or mutual fund managers that we recommend, will make the correct decision every time. We do believe, however, that studying the historical trends and relationships of investment classes and the philosophies and approaches of successful investment managers can provide valuable insight. The appropriate allocation of investment assets for your goals and risk tolerance is the most important component in developing an investment portfolio. We believe that having a diversified, well-balanced portfolio, following long-term buy-and-hold strategies, and having patience, will increase the likelihood that one will achieve their long-term financial objectives.


10440 N Central Expressway
Suite 1540
Dallas, TX 75231