Heritage Financial Advisors, LLC

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Client assets under management

$130,565,680

Clients

220

16% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

110

Very High

Average account size

$593,480

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

Financial planning Portfolio management Educational seminars or workshops

Expertise

General estate planning guidance Charitable giving & philanthropy College savings (529s, UTMA, etc.)

Fee options

Fixed

Fixed fees may be offered based on complexity and estimated hours, multiplied by hourly rate

Percentage

$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

Project-based

$150 to $200 per hour for financial planning and incidental investment consulting, billed in 15-minute increments

Other

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 location

Heritage Financial Advisors, LLC

103 North River Road, Suite A

Waterville OH 43566, United States

Number of offices

Most active in

Ohio

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 419-887-5887

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.

General estate planning guidance Charitable giving & philanthropy College savings (529s, UTMA, etc.)

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.

General estate planning guidance Charitable giving & philanthropy College savings (529s, UTMA, etc.)

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