Heritage Financial Solutions, LLC

**Heritage Financial Solutions, LLC Summary:** Established in 2004, Heritage Financial Solutions, LLC, operating as Diversified Portfolio Management, LLC, is a registered investment adviser based in Dodge City, KS. The firm specializes in providing investment management services to individuals, pension and profit-sharing plan participants, trusts, estates, charitable organizations, corporations, and retirement accounts. The firm's investment strategy is rooted in modern portfolio theory, focusing on asset allocation decisions over market timing or stock picking. **Consumer-Facing Terms:** - **Minimum Initial Investment:** Generally $100,000, with the discretion to waive this requirement. - **Fee Structure:** Asset-based management fees ranging from 1.00% to 1.85% annually, based on assets under management. - **Fiduciary Status:** The firm acts as a fiduciary, obligated to act in clients' best interests. - **Investment Discretion:** Clients grant the firm discretionary authority to manage their accounts, including executing trades without prior approval. - **Investment Philosophy:** The firm primarily utilizes passively managed mutual funds in globally diversified portfolios, focusing on equity exposure, company size, and stock price factors. **Advisory Business Description:** The firm offers continuous advice tailored to individual client needs, creating personalized investment policy statements and managing portfolios accordingly. Services include investment management, financial planning, and advice on non-securities matters like estate planning and retirement planning. For more detailed information, clients can contact Amber Wallis, Chief Compliance Officer, at (620) 471-2020 or visit www.heritagefs.net. [Disclaimer: The information provided is based on the brochure available as of March 4, 2025, and clients are encouraged to review the full brochure for complete details.]