A member from Heritage Financial North will be in contact with you soon to schedule your complimentary financial review!
As a family owned business serving the Bay Area since 2003, we’re dedicated to providing stability, promoting your financial well-being and protecting your legacy. We believe your financial plans should include ALL areas of your life!
Today's seniors and future retirees face many financial challenges. At Heritage Financial North, we are committed to helping you overcome these challenges by offering stable strategies to successfully protect and grow the financial resources you have spent your lifetime building. Navigating towards and through the retirement years can be a complex and confusing matter. We help make the complex simple.
We are an independent financial advisory practice. That means we work for our clients - not for an investment or insurance company. And we wouldn’t have it any other way, because in our opinion there is no such thing as one size fits all. As an independent practice, we are not tied to using any one investment company or any one investment product. We have the freedom and flexibility to identify the strategy we believe will be the most suitable fit for each unique, individual situation.
Since 2003, Lars has been committed to providing a personalized, caring approach with his clients, providing stability, promoting financial well-being and protecting their legacies. Born in Denmark, Lars applies a blend of the best of Scandinavian and American values when it comes to his marriage to Jamie, raising his son Daniel and daughter Bella, as well as managing his business. Being raised in a highly taxed country with a social safety net, he realized early on the concerns of so many Americans regarding their retirement income. This helped shape the focus and philosophy of Heritage Financial North. His approach to planning is from a holistic perspective, which includes wealth management, retirement income planning, legacy planning and long-term care planning. Outside of the office, Lars enjoys hiking with the family, running and spent many years practicing Japanese Jujitsu where he holds a black belt. The qualities of respect, discipline and integrity have greatly influenced Lars’ life, including his views on financial matters. In Jujitsu, one trains to be prepared for an opponents every move and learns use them to one’s advantage. Same goes for our financial lives: We cannot predict the future, but we can plan so we’re prepared for the surprises life - and the economy - might present. Jamie co-founded Heritage Financial North and has been in the financial industry since 2004. She was born in Chile and as the daughter of aging immigrant parents, she has experienced firsthand the detriment of having parents who did not plan for their retirement and the financial pressure it creates for the adult children. Her own personal experience is why she is so committed to assisting families put their retirement, long-term care, financial and estate plan in place BEFORE it is needed. She has a great passion for helping to establish reliability and stability for her clients in these challenging times. She is very compassionate to the difficulties of aging without knowing how you will be able to retire with a predictable strategy. She has many senior clients that are still working way past their retirement years simply because they didn’t plan and have no other choice. As a member of the “sandwich generation” she truly understands what it is like to juggle work, marriage, plan for retirement all the while raising small children AND financially assisting her parents. Her compassion translates into the relationship with her clients and treats them like an extension of her own family. CA Insurance License # 0E02803
Advisory Services Offered Through Client One Securities, LLC Member FINRA/SIPC and an Investment Advisor. Heritage Financial North, Heritage Financial North Insurance Services and Client One Securities, LLC are not affiliated. | CA Insurance License # 0E02803
This presentation is not intended to be legal or tax advice. The presenter can provide information, but not advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The presenter may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. For more information, please consult a local Social Security Administration office, or visit www.ssa.gov. 16408 - 2017/2/1