2018 Best Private Wealth Manager
Client Service - Firms Under $5 Billion

- Private Asset Management Magazine

The Heritage Difference

Financial Experience & Expertise

Founder and Principal Steve Blankenship, CFP® founded Heritage Financial Planning with the intent of bringing together the best elements from his formal education at Baylor University, his real-world experience, and the lessons learned from working with some of the most respected Financial Advisors in the country. Today, the company has expanded to include a wonderful team of dedicated financial consultants.

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 FPA, and Steve is a Registered Financial Advisor of NAPFA (www.napfa.org), which has some of the highest education, training, and ethical requirements of any other financial industry association1.

Objectivity and Independence

Most financial advisory firms are Fee-Based (as opposed to Fee-Only), which means they earn both fees and commissions. Other firms are commission-based, which makes the firm more of a sales organization than a true consulting organization. Because Heritage Financial Planning is Fee-Only, we receive no third-party commissions. We work solely for our clients, empowering them to make the best financial decisions possible.

Resources

Our financial advisors are members of numerous professional organizations including the Financial Planning Association, which is the largest professional association of financial planning professionals, and The National Association of Personal Financial Advisors (NAPFA), which is a nationwide network of Fee-Only financial planners dedicated to providing unbiased financial advice and whose unique systems and network of support affords us instant access to the knowledge and experience of over a 1,200 like-minded financial advisors and allied industry professionals. 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 him 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 things you did do."


CERTIFIED FINANCIAL PLANNER, REGISTERED INVESTMENT ADVISOR AND FIDUCIARY

Not all individuals seeking a certified financial planner are aware that it's important to make sure to find a financial advisor who is a fiduciary. What is a fiduciary, and why is this important? A fiduciary is an entity that acts on behalf of a person or group and is obligated to put clients’ interests first. Examples of fiduciaries can include trustees, attorneys, members of a company’s board or bankers, among others. However, not all financial planners or financial advisors are fiduciaries.

Why is it essential to have a fiduciary financial advisor?  Fiduciaries are held to a much higher standard of conduct than a financial advisor who is not a fiduciary. This is called the prudent person standard of care, and it means the fiduciary has a legal requirement to act in the best interests of the client at all times.

A non-fiduciary financial service provider is under no obligation to act in good faith. They may have arrangements with different financial companies to sell their products or have some other agenda you are not privy to that may not necessarily be in your best interest. If you choose a non-fiduciary financial planner, you are relying on that planner’s individual code of ethics to make sure you are receiving proper treatment.

At Heritage Financial Planning, we act in good faith to give you peace of mind concerning your financial planning. As a registered investment advisor, we are obligated to put your best interests first and foremost. When you work with us, you can rest assured that we are looking out for you and your money.

This concept, of making sure we always put you and your needs and goals first, also fits in with our fee-only pricing structure. Companies that are commission-based or fee-based — taking both fees and commissions — are more susceptible to basing their advice or suggestions on factors other than your best interests. Instead, they're thinking about what may affect their bottom line. We have no such attachments.

YOUR FIDUCIARY FINANCIAL ADVISOR IN ATLANTA, DALLAS AND BEYOND

As a fee-only fiduciary, we are in a position to give the best possible advice we can at all times. Our services are not dependent on getting clients to buy a certain product or a certain number of products. Our only concern is your satisfaction and peace of mind.

Our services are available to those in the greater Atlanta and Dallas areas, as well as surrounding areas like Grapevine, Fort Worth, Colleyville, Plano, Frisco, and Southlake. We offer a free initial consultation and are ready to assist you now. To find out more, please contact Heritage Financial Planning today.


 
*"The Most Outstanding Student in Financial Services and Planning" award winner is chosen based on GPA, leadership and faculty vote.
1. https://www.napfa.org/member-resources/ce-guidelines