Bay Area Wealth Management & Investment Services

For the past 40 years, we have helped clients not only do the thinking about their financial future, but the planning too. We have a depth of knowledge and experience that will help clients understand all of the options available, and about how to build a strong financial foundation that will help them to live financially comfortably now and into retirement.

InConcert Financial Group formed Heritage Capital in 1991 to be a completely fee-based firm focused on preserving and creating wealth for you and your family. We give you access to world-class financial resources and use a relationship-based investment style centered around you!

Our Wealth Management & Investment Services

Asset Allocation*
• Identify a customized target asset allocation mix
• Determine a risk-adjusted asset allocation that fits your planned objectives
• Make decisions based on goals relative to your family and legacy planning and specific estate planning model

* Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment loss.

Portfolio Management Services
• A range of advisory services both horizontally and vertically with world-class asset managers with world-class track records
• Work with the focus of having your investment returns outpace inflation and attaining your goals and objectives

Trust and Fiduciary Services
• Independent and impartial evaluation of investment decisions, tax consequences, or discretionary distributions
• Advisory services to individual and corporate trustees
• Custodial and trust administration services for a full complement of trusts

Income and Taxation Planning
• State, Federal and local income tax planning
• Capital gains taxation minimization strategies

Family Wealth Integration
• Resources and support to enable a family to manage the business of their wealth
• Assimilate and integrate all requisite financial information to confirm that all assets are operating together to reach goals and objectives
• Intergenerational wealth transfer planning, philanthropic consulting, and stage in life-appropriate educational programs for family members

Business Retirement Plans
• Unbiased advice, centered on personal goals, to enable selection of effective retirement plan benefits
• Evaluate and review new or existing retirement plan providers to find the service and benefits that fit your situation.
• Strategies and solutions to help respond to changing cash flow needs

Business Succession Planning
• Assistance in valuing, selling or passing a business from one generation to the next so it continues to thrive
• Bring in external management, if needed, without jeopardizing a company’s future
• Arrange a business sale so valued employees are protected while proceeds receive the most favorable tax treatment

Banking and Financing Services
• Money Market Accounts – Competitive rates though our broker dealer affiliation with Berthel Fisher & Company Financial Services, Inc.
• Certificates of Deposit – Rates are routinely quoted and certificates are through our broker dealer affiliation and contain FDIC protection up to $100,000
• Residential Real Estate Lending – Purchasing and refinancing loans for personal residential property
• Home equity loans and lines of credit
• Commercial Property Lending – All property types are considered across the country
• Credit Cards - To help you manage your day-to-day finances

Click here for a Case Study.

Securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. Heritage Capital and InConcert Group are independent of BFCFS. This communication is strictly intended for individuals residing in the states of Arizona, California, Colorado, Connecticut, Idaho, Michigan, New Hampshire, Nevada, Texas, Washington and Wyoming.

IMPORTANT CONSUMER INFORMATION:

A broker-dealer, investment adviser, BD agent or IA rep may only transact business in a paticular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's broker-dealer, investment advisor, BD agent or IA rep requirements, as the case may be.

Follow-up, individualized responses to consumers in a particular state by broker-dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for state's broker-dealer, investment adviser, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.

For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA rep, a consumer should contact his or her state securities law administrator.

Personalized Wealth Management Services

Investment Monitoring and Oversight Service

• Reviewing your investments and designing a personalized portfolio appropriate to your needs

• Continual monitoring of your investments

• Regular meetings to:

Review and evaluate your investment performance
Update your overall financial objectives
Reallocate your portfolio as agreed upon by you if necessary

• Quarterly statements

• Independent advice

• Quarterly “market watch” letter detailing our firm's research, analysis, and view of the current state of the investment markets

• Special informational bulletins

Tax Reduction Planning

• Comprehensive review of your tax return to highlight opportunities for maximizing tax reduction strategies

• Periodic review of your tax situation and planning to incorporate any new tax law changes

• Free consultation with your tax preparer

• Recommendations of tax solutions including tax advantaged investments

• Staying up to date on and presenting new tax laws that can affect your situation

Retirement Income and Distribution Planning

• Analysis of your income needs now and in the future

• Continual development and implementation of recommendations to fund your income needs and help you maintain a comfortable standard of living

• Recommendations regarding the best distribution strategy for your employer retirement plans and IRAs

• Analysis of the beneficiaries of your IRAs and how to establish an inherited IRA to continue your IRA for up to 70 years or longer after you pass away

Family Wealth Planning

• Analysis of your current estate plan and concerns

• Free consultation with your attorney

• Assistance in transferring assets to your living trust or other trusts

• Providing guidance with the appropriate and necessary steps in the event of the death of a loved one

Client Services and Communication

• Quarterly newsletter to keep you apprised of the most current planning options

• Periodic reviews

• Special reports on how to reduce your taxes and other important topics

• On site notary service available

Securities and advisory services offered through Berthel Fisher & Company Financial Sercies, Inc. (BFCFS). Member FINRA/SIPC. InConcert Financial Group and Heritage Capital are independent of BFCFS.

InConcert Financial Group (a Biesheuvel Scarpa company) offers a holistic approach to your financial situation. Our expertise features a comprehensive range of economic management strategies, including Financial Planning, Wealth Management, Business Consulting, Accounting, and Tax Services. Our FORTE Newsletter offers direct, concrete advice to maximize your investments and business potential.