Heritage Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Heritage Financial Advisors, LLC is an SEC-registered, fee-only advisory firm that provides financial planning, investment consultation, and investment management to individuals (both non-high-net-worth and high-net-worth), trusts, estates, charitable foundations, and businesses. The firm operates with a small advisory team and serves roughly 220 clients through both one-time planning engagements and ongoing portfolio services.
Portfolios are constructed using Modern Portfolio Theory with an emphasis on cost-efficient index mutual funds and ETFs for model allocations, while clients with larger account balances may receive customized portfolios or individual securities. The firm reports approximately $188 million in assets under management and typically operates on a non-discretionary basis, preparing investment policy statements and making recommendations that clients must approve before implementation.
Distinctive aspects relative to peers include a relatively high client load for a two-advisor practice and the large share of AUM managed non-discretionarily, which suggests an emphasis on client decision-making and education rather than delegated trading. The firm also conducts occasional educational workshops and provides specialized services such as retirement plan rollover analysis and charitable foundation investment management, features less commonly offered by similarly sized supported firms.
Client services
Expertise
Fee options
Fixed fees may be offered based on complexity and estimated hours, multiplied by hourly rate
$200,001 - $500,000: 1.10% annually $500,001 - $1,000,000: 1.00% annually $1,000,001 - $2,000,000: 0.90% annually $2,000,001 - $3,000,000: 0.80% annually $3,000,001 - $4,000,000: 0.70% annually $4,000,001+: Negotiable
$150 to $200 per hour for financial planning and incidental investment consulting, billed in 15-minute increments
Account minimum: $200,000 Minimum fee: May have a minimum annual fixed fee; specifics not clearly stated Fee-only: Fee-only financial planning, consultation, and investment management services
Main office
103 North River Road, Suite A
Waterville OH 43566
Advisors at this office
2
Most active in
Ohio
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.
Quick links
Advisors at this firm
Charlotte S
CFP®, Series 65
Waterville, OH
Heritage Financial Advisors, LLC
Charlotte Sargeant is a CFP® professional with 22 years of industry experience, currently serving as the sole advisor at Heritage Financial Advisors, LLC since 2010. She is also the managing member of North Coast Financial Advisors, Ltd., which owns a significant portion of her firm, and of Swiss Co., Ltd., a commercial real estate entity. Additionally, she holds a license as an insurance agent for fixed insurance products. Heritage Financial Advisors provides fee-only financial planning, investment consultation, and management services to individuals, trusts, estates, charitable organizations, foundations, and businesses. The firm emphasizes cost-efficient index mutual funds and ETFs within portfolios constructed using Modern Portfolio Theory and fundamental analysis, serving a broad client base that includes numerous charitable and institutional clients.
Sasha W
CFP®, Series 66
Waterville, OH
Heritage Financial Advisors, LLC
Sasha Wright is a CFP® professional with 20 years of industry experience, currently serving as the sole advisor at Heritage Financial Advisors, LLC in Waterville, Ohio. She has been with Heritage Financial Advisors since 2010. Outside of her advisory role, she manages two investment-related firms that hold ownership stakes in Heritage Financial Advisors and also works as an insurance agent offering fixed insurance products. Heritage Financial Advisors is an independent, fee-only firm providing financial planning, investment consultation, and management services to individuals, trusts, estates, charitable organizations, foundations, and businesses. The firm employs Modern Portfolio Theory and fundamental analysis to construct cost-efficient portfolios, serving a broad client base including charitable foundations and institutional clients.
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