Heartwood Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Heartwood Financial Services provides discretionary portfolio management and financial planning primarily for individual and high‑net‑worth clients. The firm delivers investment supervisory services and constructs individualized Investment Policy Statements while advising across mutual funds, equities, fixed income, ETFs, REITs, digital assets and covered‑call strategies.
The firm documents client goals and risk tolerance in an Investment Policy Statement and typically manages accounts with discretionary authority, combining fundamental and technical analysis with predominantly long‑term trading and occasional short‑term trades. It also uses a third‑party platform to monitor and implement strategies for held‑away qualified retirement plan accounts without taking custody and provides a written acknowledgement of fiduciary status when advising retirement accounts.
Compared with peers, the firm operates with a single primary management person who conducts monthly account reviews and performs all portfolio management and planning functions. The firm also uses client testimonials in its advertising—a practice that is uncommon among similar supported firms—and explicitly lists digital assets and covered‑call writing among its permissible investments.
Client services
Expertise
Fee options
Fixed fees charged for regular consulting services, disclosed in advance, based on time to perform tasks
$0 - $300,000: 1.25% $300,001 - $700,000: 1.00% $700,001 - $1,300,000: 0.85% $1,300,001 - $2,000,000: 0.65% $2,000,001+: Negotiable
$200 per hour (negotiable)
Account minimum: $300,000 (may be waived)
Main office
Sanford FL
Advisors at this office
1
Most active in
Florida · Texas
Also doing business as
Heartwood Financial Services · Heartwood Financial Services LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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