Business Details
Your Trusted Partner for Financial Planning and Retirement Solutions
Heritage Capital has been dedicated to helping individuals retire with confidence for over three decades. Our approach combines active investment management with comprehensive financial planning, prioritizing risk control to ensure clients can navigate retirement successfully regardless of market conditions. As a fiduciary, we act in the sole interest of our clients, offering transparent fee-only services without commissions or product ties. Our team, led by portfolio manager Paul Schatz, provides direct, personalized service, ensuring clients understand their financial strategies and feel empowered to make informed decisions.With a focus on defensive positioning and proactive communication, we aim to protect and grow client assets while addressing unique concerns such as divorce, loss of a spouse, or retirement income planning. Our commitment to excellence is reflected in our proprietary strategies, continuous portfolio monitoring, and a client-centric philosophy that emphasizes trust, expertise, and long-term relationships.
Services
Financial Planning
Retirement Planning
Investment Management
Active Management Strategies
Estate Planning
Highlights and features
- 30+ years of experience in retirement-focused financial planning
- Active management strategies to mitigate market volatility
- Direct service from portfolio manager Paul Schatz, not intermediaries
- Fiduciary commitment to prioritize client interests above all
- Transparent fee structure with no hidden costs or commissions
Services
Financial Planning
Our financial planning services focus on creating tailored strategies to meet long-term goals, including retirement, estate planning, and tax-efficient income. We analyze your unique circumstances to develop actionable roadmaps, ensuring clarity and confidence in your financial decisions while addressing risks like market volatility or life transitions.
Retirement Planning
Specializing in retirement planning, we help clients determine sustainable income sources, optimize Social Security benefits, and structure portfolios for stability. Our approach combines defensive investment strategies with proactive risk management to ensure your savings last throughout retirement, even during economic downturns.
Investment Management
We offer hands-on investment management using active strategies to adjust portfolios as markets evolve. By continuously monitoring assets and employing defensive positioning, we aim to minimize losses during downturns while capturing growth opportunities, ensuring alignment with your risk tolerance and financial goals.
Active Management Strategies
Our active management strategies prioritize risk control through dynamic asset allocation and real-time adjustments. Unlike passive approaches, we proactively reposition portfolios to protect against market declines, seeking consistent growth while safeguarding capital for clients nearing or in retirement.
Estate Planning
Estate planning services ensure your assets are distributed according to your wishes while minimizing tax liabilities. We collaborate with legal and tax professionals to create comprehensive plans, including wills, trusts, and charitable giving strategies, to preserve wealth for future generations.
People
Paul Schatz
President
Paul Schatz, President of Heritage Capital, has over 30 years of experience in investment management and retirement planning. A frequent contributor to financial media, he specializes in active management strategies and fiduciary advisory services, prioritizing client needs through transparent, conflict-free advice.
Questions
What makes Heritage Capital different from other financial advisors?
We act as fiduciaries, offering fee-only services with no commissions. Our active management strategies and direct client communication ensure personalized, conflict-free advice tailored to retirement needs.
How do you help clients during market downturns?
Our active management approach includes defensive positioning to mitigate losses. We proactively adjust portfolios to protect assets during volatility, ensuring stability for retirees and pre-retirees.
Can you assist with Social Security filing strategies?
Yes, we provide tailored Social Security optimization strategies to maximize lifetime income, integrating it with your broader retirement plan for tax efficiency and sustainability.
Do you work with clients outside of Connecticut?
While based in Connecticut, we serve clients nationwide through virtual consultations, offering the same personalized service regardless of location.
What services are included in your financial planning?
Our planning covers retirement income, estate strategies, tax efficiency, risk management, and investment management, all customized to your goals and life circumstances.
How often do you communicate with clients?
We provide monthly check-ins, quarterly market updates, and unlimited support. Clients receive frequent communication via email, phone, or virtual meetings to ensure ongoing clarity.
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