Heritage Financial Network, Inc.

Heritage Financial Network, Inc. provides fee-based investment advisory and financial planning services to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations, and business entities. The firm delivers discretionary portfolio management and customized investment recommendations intended to align with clients’ objectives and risk tolerances, managing approximately $85 million in client assets.

The adviser emphasizes a tactical allocation strategy aimed at managing risk and pursuing improved performance, using fundamental, technical and cyclical analysis and a broad mix of instruments including equities, fixed income, mutual funds, and interests in real estate or natural resources. Heritage may recommend portfolio reallocations, employ cash positions as hedges, and refer clients to unaffiliated third‑party investment managers while assisting with onboarding and oversight.

Noteworthy aspects disclosed in the brochure include the firm’s practice of recommending external professional services tied to management’s prior relationships with a law firm, and the availability of real estate brokerage services through an affiliated broker who may receive customary commissions, both of which are identified as potential conflicts of interest. The firm also rents office space to another business entity and regularly uses selected third‑party advisers and manager referral arrangements—features that are relatively uncommon among similarly sized independent advisory firms.