Heritage Hill Adviser

The firm provides investment advisory and financial planning services primarily to individual clients and retirement account participants, offering hourly consultations and an ongoing discretionary asset management program administered through a single custodian platform. It also assists small businesses and plan participants with evaluating SIMPLE IRA and Solo 401(k) arrangements and provides participant‑level investment advice, while not acting as an ERISA plan fiduciary or plan administrator.

The adviser operates its asset management program on a discretionary basis and makes non‑discretionary consultation services available for clients who wish to retain investment decision authority. Portfolio construction emphasizes asset allocation and draws on a mix of analytical techniques — including fundamental, charting/technical, and cyclical analysis — with periodic reviews and quarterly reports that may be delivered electronically.

Noteworthy characteristics include its status as a solo practitioner with a very small client roster and modest assets under management, and the adviser’s primary employment outside the firm, which limits daytime availability but enables evening and weekend consultations. Operationally, the firm relies on a single custodian for managed accounts (and will not manage accounts if a client declines that custodian), may “trade away” for certain fixed‑income transactions, and is deemed to have custody only to the extent of fee‑deduction authority or standing letters of authorization subject to regulatory safeguards.