Financial Planning

Financial planning is a term that you hear often, but that doesn’t always have a clear definition.  When you are working with a Certified Financial Planner® Practitioneryou know exactly what the term financial planning means.  A Certified Financial Planner® Practitioner has demonstrated knowledge in the following areas:

  • General Principles of Financial Planning

  • Insurance Planning

  • Investment Planning

  • Income Tax Planning

  • Retirement Planning

(Source: CFP® Board of Standards)

Not only does a Certified Financial Planner® Designee have understanding of each area, they also have the ability to integrate each of these areas into a comprehensive financial plan.

At Heritage Financial we can work with you on specific objectives in your financial plan such as retirement planning, estate planning, education planning, health insurance, life insurance, etc. or work with you on creating a plan that covers all of these areas.  Contact us today to see how we can help you!


Securities and advisory services offered through LPL Financial (LPL), Member FINRA/SIPC, a Registered Investment Advisor. Heritage Financial, LPL and all entities herein are separate and unrelated companies. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: CA, CO.  See “Home Page” for full disclosure statement.