investment portfolio management

Investment Portfolio Management

investment portfolio management

Investment Portfolio Management


The Bread & Butter of Investing

Investment Management at Heritage Investors takes your lifestyle into account. The modern work/life balance leaves you with precious little time. Between managing your career, your family, and your household, finding time to properly research and invest seems impossible. We understand.

That’s why we take the time to know you as a person, rather than just a client, so we can better understand your needs and financial goals. Whether you’re preparing for your children’s education or simply consolidating accounts, we are here to help you make your goals a reality.

At Heritage, we align the financial markets to your specific financial, tax, and risk management goals. Our team works tirelessly, researching quality investments we believe will yield the highest possible returns with the lowest possible costs. We then present our research to you in everyday terms, encouraging feedback and ensuring you feel confident in your individual plan.

Heritage Investors’ Style of Investment Portfolio Management

Investment Portfolio Management is for individuals who trust and understand that there is value in an expert handling this area. It’s for people who place a premium on time and personal care. Handling your own investments requires hours of research, constant market monitoring, and analysis that your busy life may not allow.

Additionally, you may understand investment technologies or possess the knowledge of how, and when, to course-correct with market changes, but if you’re like most people, you could struggle to detach your emotions from your investments.

That’s why we share the management philosophy of Berkshire Hathaway’s Warren Buffett who once said:

“Lethargy, bordering on sloth, remains the cornerstone of our investment style.”

Once the research has been conducted, build a strategy, and stick to the plan. Seldom are there successes in buying and selling based on a hunch or on knee-jerk reactions. Instead, Heritage utilizes proven research surrounding Target Band rebalancing.

What is Target Band Rebalancing?

Simply put, target-band rebalancing is a tool used to ensure your portfolio doesn’t become too heavy in one position or too light in another. The target-band monitors, purchases, and sells your stocks in real-time, and it does so with razor-sharp efficiency.

Essentially, a target-band analyzes the various positions and sets a strategic target so that when the position reaches that target, the target-band automatically sells the position and buys another.

Need more information? Learn the process we use to build and maintain your account.
PORTFOLIO MANAGEMENT PROCESS


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One of our experienced advisors is ready to learn your needs and goals. Simply fill out the form below and we will call you for a pre-meeting to learn your needs and determine how we drive toward your financial goals.





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    What is a Fiduciary and Why is it so Important?

    You’ve probably heard the term, “fiduciary,” tossed around a bit. But what is a fiduciary, and why is it beneficial to work with one? As part of our ongoing commitment to client education, we’ve decided to create this quick guide to answer some of the questions you might have about hiring a financial advisor with a fiduciary obligation. Read more

    Investopedia Top 100 4x Justin Goodbread

    Justin Goodbread Named Investopedia Top-100 Advisor Four Consecutive Years

    Winning takes commitment. It is achieved through perseverance and preparation. Justin Goodbread is no stranger to winning, and it’s because of his dedication to his family, his team, his clients, his listeners, readers, and viewers. The constant effort to help people achieve their financial goals through comprehensive planning and deep education has paid off in many ways. However, Justin doesn’t measure success through personal achievements or accolades. Instead, he places an emphasis on helping others to succeed. To Justin, that is the truest measure of success. Read more

    Careers at Heritage Investors Knoxville

    Join the Heritage Investors Team

    Join the team at Heritage Investors & Heritage Business Advisors


    Our mission is simple: as a company – we exist to help our clients and their teams achieve their goals; one conversation, one meeting, and one action at a time. It is the driving force in each and every one of our day-to-day and long-term decisions.

    We are passionate about this mission and we seek talented professionals who share the same vision and desires. If you too have the passion to work in a selfless, value-driven team, you just might be a good fit at Heritage Investors.

    We are passionate about this mission and we seek talented professionals who share the same vision and desires. If you too have the passion to work in a selfless, value-driven team, you just might be a good fit at Heritage Investors.

    Open Positions:

    401(K) Plan Manager


    Reports to:
    Director of Financial Planning

    Work Hours:
    M – F, 8:30 am – 5:00 pm


    To Apply:
    Send a cover letter and your resume to Amy Ahrens

    Job Summary:  

    The 401(k) Plan Manager role will be a combination of outside sales and client/customer management and service. Daily activities would include market research and analysis of prospective employer plans, networking to facilitate introductions, development, and presentation of solutions, management, and service of active plans.

    Essential Functions: 

    • Solicit new business.
    • Work directly with clients via phone/ video conference/ email/ in person.
    • Identify existing plan deficiencies and challenges, and prepare solutions to meet stated or anticipated needs.
    • Develop strategies for identifying and gaining introductions to plan sponsors and decision-makers.
    • Prepare for client meetings (collect/organize/synthesize client data within financial planning context).
    • Work with team members to complete follow-up tasks from client meetings (record meeting notes, complete additional planning/investment management tasks, and coordinate work).
    • Handle client service responsibilities (regular client contact/communications, conduct account reviews, and address client-related communications).
    • Provide clients with asset management solutions (review plan portfolios, and assist with implementation of new portfolios).
    • Develop & prepare prospective employer-sponsored retirement plans & presentations for review by team members.
    • Partner with team members to manage operational items as they relate to client accounts (submit requests to the operational team for account paperwork, initiate/track transfers and account funding, implementation of asset allocation recommendations, service requests, and client online account access).
    • Participate in weekly Team meetings when requested and communicate with the appropriate departments as needed.

    Competencies:  

    • High Integrity understanding of fiduciary responsibility.
    • Excellent verbal and written communication skills.
    • Superior interpersonal/organizational/client service skills.
    • Experience with needs-based selling strategies.
    • Strong networking, contact development, and professional connection development.
    • Excellent organizational skills, follow-through, and attention to detail.
    • Excellent time management skills with a proven ability to meet deadlines.
    • Excellent computer skills including the ability to learn in-house software/tools.
    • Background/experience in the financial services industry; knowledge of key financial/investment/risk management concepts.
    • Willingness to work independently, with guidance/oversight from team coach.
    • Client first attitude; professional demeanor.
    • Dedication to career development.

    Education and Experience:  

    • Series 65
    • Bachelor of Arts/Science degree from an accredited College or University required.
    • Experience in financial planning software, trading, CRM, Microsoft, etc. preferred.

    Financial Planner


    Reports to:
    Director of Financial Planning

    Work Hours:
    M – F, 8:30 am – 5:00 pm


    To Apply:
    Send a cover letter and your resume to Amy Ahrens

    Job Summary:  

    The Financial Advisor/Planner role should be primarily client-facing. Daily activity includes, but not limited to, solicitation of new clients, facilitation of introductory calls with prospective clients provided by Heritage Investors, guiding and teaching the sundry of areas provided by the Certified Financial Planner Board, managing the client’s requests, and expectations, and financial plan development. The FA will engage clients through the utilization of established Heritage processes and cultural planning philosophies.

    Essential Functions: 

    • Solicit new business.
    • Work directly with clients via phone/ video conference/ email/ in person.
    • Act as a financial life coach for clients to help identify their life passions and goals.
    • Develop actionable plans for clients to achieve their goals/objectives.
    • Professionally/objectively build & deliver custom financial plans ensuring the highest quality product and delivery of unparalleled customer experience.
    • Prepare for client meetings (collect/organize/synthesize client data within financial planning context).
    • Work with team members to complete follow-up tasks from client meetings (record meeting notes, complete additional planning/investment management tasks, and coordinate action tasks).
    • Handle client service responsibilities (regular client contact/communications, conduct account reviews, and address client-related communications).
    • Provide clients with asset management solutions (review portfolios, coordinate withdrawal needs, deliver tax strategies for assets under management, rebalance portfolios, and assist with implementation of new portfolios).
    • Develop/prepare client financial plans/presentations for review by team members.
    • Partner with team members to manage operational items as they relate to client accounts (submit requests to the operational team for account paperwork, initiate & track transfers and account funding, implementation of asset allocation recommendations, service requests, and client online account access.
    • Work with team members to coordinate insurance applications/underwriting (for life/disability/long-term care insurance policies) through our strategic partnership with an independent insurance brokerage firm.
    • Participate in weekly Team meetings when requested and communicate with the appropriate departments as needed.

    Competencies:  

    • High Integrity/ understanding of fiduciary responsibility.
    • Excellent verbal and written communication skills.
    • Superior interpersonal/organizational/client service skills.
    • Strong networking, contact development, and professional connection development.
    • Excellent organizational skills, follow-through, and attention to detail.
    • Excellent time management skills with a proven ability to meet deadlines.
    • Strong analytical and problem-solving skills.
    • Excellent computer skills including the ability to learn in-house software/tools.
    • Background/experience in the financial services industry; knowledge of key financial/investment/risk management concepts.
    • Willingness to work independently, with guidance/oversight from team coach.
    • Client first attitude; professional demeanor.
    • Dedication to career development.

    Education and Experience:  

    • Series 65
    • CFP® credentials or progress is a plus.
    • Bachelor of Arts/Science degree from an accredited College or University required.
    • Experience in financial planning software, trading, CRM, Microsoft, etc. preferred.

    Awards & Certifications

    Awards and Certifications

    Certifications

    CEP® – Certified Estate Planner™

    The CEP® (Certified Estate Planner™) or MCEP® (Master Certified Estate Planner™), is a financial, legal, or tax professional who has earned a distinctive educational certification through the National Institute of Certified Estate Planners (NICEP).
    A CEP® has completed a rigorous eight (8) module course of instruction in the field of estate planning, successfully passed a comprehensive proctored examination process, shown a desire to associate with professional estate planning peers, agreed to comply with annual estate planning continuing education requirements, and ascribed to the practical guidelines and code of ethics of the NICEP.

    CEPA® – Certified Exit Planning Advisor®

    The Certified Exit Planning Advisor (CEPA) credential is for professional advisors who want to effectively engage more business owners. Through the process of Exit Planning (the Value Acceleration Methodology), owners can build more valuable companies, have stronger personal financial plans, and align their personal goals. Earning CEPA doesn’t change your expertise, it enhances your ability to engage business owners and have value-added conversations around growth and exit.

    CFA® – Chartered Financial Analyst

    A Chartered Financial Analyst (CFA®) charter is a designation given to those who have completed the CFA® Program and completed acceptable work experience requirements. The CFA Program is a three-part exam that tests the fundamentals of investment tools, valuing assets, portfolio management, and wealth planning. The CFA Program is typically completed by those with backgrounds in finance, accounting, economics, or business. CFA charterholders earn the right to use the CFA designation after program completion, application, and acceptance by CFA Institute.

    CFP® – CERTIFIED FINANCIAL PLANNER™ Practitioner

    As part of their certification, CFP® professionals commit to CFP Board’s Code of Ethics and Standards of Conduct, which means they commit to work in their clients’ best interests at all times when providing financial advice. Not all financial planners make that commitment to their profession. CFP Board’s Code of Ethics outlines CFP® professionals’ obligations to uphold principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence. The Rules of Conduct require CFP® professionals to put clients’ interests above their own, and to provide their financial planning services as a “fiduciary” — acting in the best interest of their financial planning clients. CFP® professionals are subject to sanctions if they violate these standards.

    ChFC® – Chartered Financial Consultant®

    The ChFC® degree program requires students to complete nine college-level courses or 27 hours of college credit in the field. Students must achieve mastery of more than 100 integrated advanced financial planning topics, including:
    Estate Planning, Insurance Planning, Retirement Planning, Financial Planning Process and Environment, Income Tax Planning, Employee Benefits Planning, Asset Protection Planning, Estate Tax, Transfer Tax, and Gift Tax Planning, Applications of Comprehensive Financial Planning and Consulting.

    CVGA® – Certified Value Growth Advisor®

    The CVGA is a 5-day program focusing on the fundamental best practices of any business across the eight primary functional categories that drive the creation of business value and how advisors can become the “Engagement Quarterback” to their clients. Various subject matter experts present modules on each of the eight primary categories, along with special modules on corporate finance, strategic planning, business development, and engagement management. A live case study ties the program together and an online exam completes it.

     


    3rd Party Awards

    Heritage Investors:

    3 Best Financial Services in Knoxville, TN2021

    “ThreeBest Rated uses a 50-Point Inspection that includes uses everything from checking reviews, ratings, reputation, history, complaints, satisfaction, trust and cost to the general excellence.” The complete list of their 50-Point Inspection can be found on this page.

    Advisors:

    Investopedia Top 100 Influential Advisors – 2018, 2019, 2020, 2021

    “Investopedia’s proprietary methodology focuses on awarding financial advisors who have demonstrated a top-of-the-industry ability to reach the largest and most diverse financial and investing audience. That reach is measured by the impact and quality of the advisor’s published work, public appearances, online following, and commitment to financial literacy across diverse communities. The 2020 Investopedia 100 also heavily weighed peer-to-peer nominations, highlighting the most influential advisors who were recommended by their peers. Investopedia receives no compensation from placing advisors on our list, nor does an advisor’s appearance on our list constitute an individual endorsement by Investopedia of such advisor.”

    Exit Planning Institute Leader of the Year – 2018

    “Advisors honored with the EPI Leader of the Year award have made a lasting impact on their communities, whether local, national, or industry-wide and embody the core qualities of a true leader. They don’t shy away from complex problems. They demonstrate the ability to evolve and lead others in an ever-changing marketplace. And most importantly, they understand that nothing important is accomplished alone.”

    Knoxville Business Journal 40 Under 40 – 2019

    “Nominees must be 39 years of age or younger on Dec., 31, to be considered. The nominator will fill out a short form and provide background on the nominee’s professional and philanthropic achievements and any other information that can help shine a light on why the nominee is an outstanding candidate for 40 Under 40.”

    Forbes Finance Council Member

    “Membership in the Forbes Finance Council is invitation-only. Qualified candidates must be senior-level executives of a financial services company (examples: fintech, venture capital, asset management/financial planning, wealth management, and accounting). Qualifying companies must generate a minimum of $1M USD in revenue, or have a minimum of $1M USD in financing.”

    KnoxBiz.com 40 Under 40 — 2019

    40 Under 40 Awards are nominated by readers of the Knox News Sentinel. Awards are chosen by a team at Knox News Sentinel based partly upon the nominator’s submission and the KNS’s undisclosed criteria.

    Financially Simple Educational Portal:

    Feedspot Top 10 Business Podcast – 2018
    Feedspot Top 10 Business Education Youtube Channels to Follow in 2021 – 2021

    “Feedspot has a team of over 25 experts whose goal is to rank blogs, podcasts and youtube channels in several niche categories. Publishers submit their blogs or podcasts on Feedspot using the form at the top of this page. [The] expert editorial team reviews and adds them to a relevant category list. Ranking is based on relevancy, blog post frequency(freshness), social metrics, domain authority, traffic, and many other parameters. [Feedspot] routinely removes inactive blogs and those which are no longer relevant to a given list. The list is updated as [they] receive new blog submissions and re-ranked every few weeks.”

    Top 20 Financial Advisor, Player FM Podcast – 2019

    Player FM’s rankings are generated using a listen-based algorithm based solely on weekly listenership within the player Player FM app/website.

    10 Best Podcast for Financial Advisors, Listen To Podcasts – 2021

    Listen to Podcast’s rankings are based on the reviewer’s personal opinion of the podcast.

    Client Portal

    heritage investors client portal

    Heritage Investors’ Client Account Logins



    Our goal is to make accessing your accounts as user-friendly as possible. However, there can be “glitches” that happen when using technology. For example, financial regulations require very high security that will log you out automatically after 45 days. If this happens, you will need to reset your password.

    If you have trouble logging in, do not hesitate to reach out to Jillian, our operations assistant. She will be happy to help you troubleshoot issues.

    Heritage Investors: 

    Heritage Business Advisors: 

    Value Opportunity Profile logo

    VOP Business Login
    (contact your advisor)

    MAUS logo

    MAUS Business Systems Login
    (contact your advisor)

    Can we answer your questions?

    If you need help logging into any of these websites, do not hesitate to reach out to our team. We will be happy to answer any questions.

    Thank You – Exit Planning Summit Special

    welcome to Heritage investors

    Your Discount Has Been Created…

    Next Steps…

    Your copy of the ebook The Ultimate Sale by Author Justin Goodbread’s, CEPA®, is now available for $1 by clicking the button below. But don’t wait to download. It will return to its regular $9.99 value soon.

    Start learning how to make the exit from your business the most profitable it can be. And do not hesitate to contact us if you have questions.

    heritage investors business advisors logo

    Home – Heritage Investors and Business Advisors

    We Build Custom Strategies For Growing Your Net Worth Using Every Available Asset Option. From Personal Financial Planning To Business Value Growth, Heritage Can Take You Every Step Of The Way.

    Holistic Long-Term Financial Planning Designed for You… 

    We understand the fear and anxiety that can come with exposing your financial life. One of the hardest things anyone could do is to trust another to examine one of the most private parts of their lives — their finances. We understand this and make preserving your privacy a top priority.

    Our years of experience, fiduciary capacity, and culture of continued educational advancement enables us to create plans that are uniquely tailored to you. Because of this, we are well-qualified to help clients through any season of life. Whether you’re just starting out, a business owner with unique financial challenges and benefits, or a retiree who wants to ensure your money outlives you, Heritage custom-builds strategies to maximize the overall outcome of your accounts. 

    Additionally, we value working with a limited clientele so we are able to give added attention to you and your accounts. Likewise, this enables us to be more nimble when change occurs. If you have situations in your life creating potential changes to the financial services we originally offered, or if we see changes are needed to continue moving toward your specific long-term financial goals, we will clearly communicate and then modify your trajectory.

    LEARN HOW WE MAKE IT HAPPEN

    Wealth Management chart

    Serving You With These Certifications, Memberships, Awards, And Training:

    Investopedia Top 100 winner
    Exit Planning Institute Leader of the Year
    Certified Exit Planning Advisor
    Certified Financial Planning
    Certified Value Growth Advisor
    Forbes Finance Council
    Knox Biz 40 Under 40 winner

    Investopedia Top 100 Financial Advisor | Exit Planning Institute Leader of the Year | Certified Exit Planning Advisor | CERTIFIED FINANCIAL PLANNER™ | Certified Value Growth Advisor | Forbes Finance Council Member | KnoxBiz 40 Under 40 Advisor | Learn more about the criteria used in receiving these awards.

    Strategies For All Areas Of Your Financial Life...

    Personal


    Portfolio Management

    Portfolio/Investment Management

    Data-driven, emotion-free strategies drive toward your financial goals. We use your individual goals, risk-tolerance, and time horizon to handcraft a strategy that fits you.

    LEARN HOW


    wealth management

    Comprehensive Wealth Management

    From your current financial position to well beyond retirement, and every step in between, we believe every aspect of a comprehensive financial plan should work toward your financial goals.

     

    LEARN HOW


    Retirement Planning

    Retirement Planning

    Just because you’ve retired doesn’t mean your money has. Heritage’s wealth preservation strategies aim to generate enough retirement income to live the lifestyle you’re accustomed to, leaving a legacy to family or foundations & charities.

    LEARN HOW

    Business


    wealth management business owners

    Wealth Management for Business Owners

    We believe you can only effectively grow your overall wealth when your personal finances are in order. That’s why we use strategies unique to your life, as a business owner, to drive toward your personal financial goals.

    LEARN HOW


    business value growth

    Business Value Growth

    Statistics show that 80% of a small business owner’s net worth is tied to the business. With that much of your financial future tied to your company, you must build it to not only increase personal benefits but also its value as an asset.

    LEARN HOW


    Exit Planning

    Exit Planning

    When it is time to exit your business you need to know that both your personal assets and the value of the business will meet your retirement goals.

    LEARN HOW

    Heritage Investor's team
    The Heritage Investors Team staff signature

    Our Team Sets Us Apart

    At Heritage, we exist to help you and your family or staff reach their goals; one conversation, one meeting, and one action at a time. In order to provide expert advice, we must be experts in our field. This is why Heritage puts an emphasis on continued education and certification. That’s why the entire Heritage team has achieved the CEPA® designation.

    As recipients of the Exit Planning Institute’s Leader of the Year Award and three-time Investopedia Top-100 Advisor, members of our team are  becoming recognized as a thought leaders in the financial industry. But the talent and commitment to excellence doesn’t stop there. We are a team of MBAs, CFP®s, ChFP®s, CVGA®s, authors, and business owners committed to helping you achieve all of your financial goals.

    LEARN HOW

    Educating Thousands Like You On:

    Investopedia
    Fox News contributor

    Forbes contributor

    Yahoo Finance contributor

    Exit Planning Institute contributor

    Nerdwallet contributor

    Kiplingers contributor

    MSN Mondey contributor

    comprehensive wealth management putting the puzzle together

    Comprehensive Wealth Management

    comprehensive wealth management putting the puzzle together

    Comprehensive Wealth Management


    At Heritage Investors, we believe that comprehensive wealth management goes beyond simply buying and selling stocks in a portfolio. We take a systematic approach to asset management by analyzing everything that contributes to your net worth, with the goal of increasing your assets while decreasing your liabilities.

    Our team members work to come up with a comprehensive financial strategy to help you continue building wealth in all areas of your financial life. As fiduciaries, we work to give you highly personalized financial advice, including serving as tax consultants, estate planners, and so much more. Our team will take the time to comb through all of your finances and find ways to minimize the transference of your wealth to others.


    The areas of your financial life that Heritage addresses:
    the controllable (in the box) and the uncontrollable (outside the box)

    What we can control chart.

    Wealth Management… More Than Just Your Investment Portfolio

    In addition to the Portfolio Management services that we provide, Heritage Investors is equipped to handle everything from your individual investments, trusts, and retirement plans, to institutional assets. We believe that the best way forward is to align all of your assets and finances to work toward the same goal. When you partner with Heritage, you can rest in the knowledge that our dedicated team of Wealth Managers is caring for all of your financial needs.

    Building wealth is about more than managing your investment portfolio. With proper planning and the utilization of various tax strategies, you can minimize the transference of your wealth to others.

    Individual Assets

    Your net worth is the cumulative total value of all of your assets and holdings. If you’re neglecting your individual assets to focus solely on your investment holdings, you could be leaving a lot of money on the table. Heritage Investors has years of experience in managing our clients’ portfolios, but we are equally skilled in managing individual assets.

    Are you making the most of your savings? Is your home mortgage eligible for tax deductions? Do you have enough protection to cover your expenses in the event that you can no longer work

    Next steps:
    Learn about our WEALTH MANAGEMENT PROCESS

    Do You Have Questions for Us?

    Wealth management is a complex process that can’t easily be summed up on a simple webpage. To discuss the details of your unique financial goals, schedule a complimentary meeting with the Heritage Investors’ team… we would love to talk via Zoom or in person at our Knoxville office.

    Business Study Download

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    Current clients:
    Unsubscribing from the Financially Simple newsletter will NOT remove you from receiving email from the Heritage Investors’ staff regarding your accounts.

    Next Steps…

    We can help you develop a strategy with the goal of helping you preserve the lifestyle you are
    accustomed to throughout retirement.