Heritage Advisors

Business Details

Your Trusted Financial Advisers in Waterville, Ohio

Heritage Advisors is an independent advisory firm dedicated to providing ethical, client-focused financial guidance. Our core team of advisors, Sasha Wright and Evonne Johnson, prioritize fiduciary responsibility, ensuring every recommendation aligns with your best interests. We specialize in comprehensive financial planning, investment management, and retirement strategies, tailored to individuals, families, and businesses. Our approach follows the Prudent Investor Act, emphasizing long-term growth and risk management through diversified portfolios. By leveraging Modern Portfolio Theory and Dimensional Fund Advisors' models, we construct low-cost, tax-efficient investments designed to outperform active management over time.

We eliminate conflicts of interest by avoiding proprietary products, ensuring our goals align with yours. Our services span retirement planning, college savings, annuities, and insurance solutions, all supported by transparent, fee-based advisory relationships. With a focus on building trust through honest, unbiased advice, we serve clients in Ohio and beyond as a SEC-registered investment advisor. Our commitment to education and client empowerment is reflected in our resources, calculators, and personalized consultations, helping you achieve financial security and legacy planning.

Services

Comprehensive Financial Planning Investment Management Retirement Plans College Savings Plans Annuities Life Insurance Long-Term Care Insurance 401(k) Planning IRA Services Roth IRA Solutions

Highlights and features

We act as fiduciaries with no proprietary products to sell.
Our investment philosophy follows Modern Portfolio Theory principles.
We specialize in low-cost, tax-efficient passive asset management.
Our advisors hold CERTIFIED FINANCIAL PLANNER designations.
We focus on eliminating conflicts of interest through fee-based advisory models.

Associations and certifications

SEC registered investment advisor

Website

Update Listing

Services

Comprehensive Financial Planning

We create personalized financial roadmaps addressing retirement, education funding, and legacy goals. Our process begins with in-depth client consultations to understand risk tolerance and objectives. By integrating tax-efficient strategies and diversified investments, we help clients navigate life's financial milestones with confidence.

Investment Management

Our evidence-based approach uses Dimensional Fund Advisors' models to build diversified portfolios. We implement Modern Portfolio Theory principles to optimize asset allocation across 12-14 asset classes. Regular rebalancing ensures alignment with client goals while maintaining low expense ratios and tax-efficient structures through passive management techniques.

Retirement Plans

We specialize in qualified retirement plans including 401(k), IRA, and Roth IRA solutions. Our advisors help clients maximize tax advantages while developing sustainable withdrawal strategies. We focus on long-term growth balanced with risk management to ensure financial security throughout retirement years.

College Savings Plans

Our college savings strategies combine tax-advantaged 529 plans with investment vehicles tailored to education timelines. We help families balance competing financial priorities while building dedicated education funds. Regular portfolio adjustments ensure appropriate risk levels as enrollment dates approach.

Annuities

We evaluate annuity products as part of comprehensive retirement income strategies. Our analysis focuses on guaranteed income streams, tax deferral benefits, and risk transfer solutions. We provide objective recommendations without proprietary product constraints to ensure suitability for individual financial situations.

People

Sasha Wright

Financial Advisor

Certified financial planner with expertise in retirement strategies and portfolio management. Implements evidence-based investment approaches while maintaining fiduciary responsibility to clients.

Evonne Johnson

Financial Advisor

Specializes in comprehensive financial planning and risk management solutions. Focuses on building long-term client relationships through transparent, ethical advisory practices.

Questions

What makes Heritage Financial Advisors different from other firms?

We operate as independent fiduciaries with no proprietary products, ensuring unbiased advice focused solely on client interests through fee-based advisory relationships.

What investment philosophy do you follow?

We use Modern Portfolio Theory principles with Dimensional Fund Advisors' models, emphasizing diversified asset allocation and passive management for long-term performance.

Do you work with out-of-state clients?

As a SEC-registered advisor, we serve clients in Ohio and other jurisdictions where we maintain appropriate registrations or exemptions.

How are your advisory fees structured?

We use transparent, fee-based pricing with no hidden costs or product commissions, ensuring complete alignment between our interests and client objectives.

What services do you offer for retirement planning?

We provide comprehensive retirement strategies including qualified plans, income distribution analysis, and risk-tailored portfolio construction to support long-term financial security.