Heritage Retirement Advisors, LLC

Heritage Retirement Advisors LLC is an SEC-registered investment adviser offering financial planning and investment advisory services to retail investors through an 'assets under management' arrangement. The firm does not offer brokerage services or accept commissions from investment product sales. Clients' accounts are monitored quarterly, and the firm has discretionary authority over client accounts, allowing them to place trades based on specific circumstances. Heritage Retirement Advisors offers various account types, including retirement accounts, taxable accounts, and non-public investments like BDCs and non-public REITs. The firm does not have a minimum account size requirement and charges tiered asset-based fees ranging from 1.92% to 0.6%. Clients will pay custodian fees, transactional fees, expense ratios, and investment advisory fees. The firm is committed to acting in clients' best interests, although there is a potential conflict of interest related to fees increasing with higher assets under management. Heritage Retirement Advisors has no legal or disciplinary history. For more information, clients can request a copy of the firm's Form ADV Part 2A or contact the Chief Compliance Officer, Greg Hutto.