Heritage Financial Network, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
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.
Client services
Expertise
Fee options
$0+: 1.00% per annum for equity portfolios $0+: 0.60% per annum for fixed income portfolios
$350 per hour (negotiable)
Account minimum: $50,000
Main office
97 Lowell Road
Concord MA 01742
Advisors at this office
2
Most active in
Massachusetts
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
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.
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.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
James L
Concord, MA
Heritage Financial Network, Inc.
James Lawson is a financial advisor with Heritage Financial Network, Inc. in Concord, MA, holding 32 years of industry experience. He has been with Ropes & Gray since 1981. Heritage Financial Network, Inc. provides fee-based investment advisory and financial planning services to a range of clients including individuals, pension plans, trusts, and business entities. The firm employs a tactical allocation strategy using fundamental, technical, and cyclical analysis across various asset classes, and manages approximately $85 million in client assets.
Charles L
CFP®
Concord, MA
Heritage Financial Network, Inc.
Charles Lawson is a CFP® with 32 years of experience in the financial advisory industry. He has been with Heritage Financial Network, Inc. since 1986. Outside of his advisory work, Lawson is an ice skating instructor, dedicating several hours per week to teaching. Heritage Financial Network, Inc. is an independent firm that provides fee-based investment advisory and financial planning services to a variety of clients including individuals and institutions. The firm employs a tactical allocation strategy using fundamental, technical, and cyclical analysis across diverse asset classes to manage risk and pursue performance improvements.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)