Our company's objective is to help clients plan prudently for the long-term. The investment philosophy used by Heritage Financial Advisors follows the covenants of the Modern Portfolio Theory. This Nobel Prize winning strategy uses a wide range of different asset classes to increase overall portfolio diversification, which, in turn, increases performance while managing risk. The investment strategy is designed to match or outperform the traditional asset class benchmarks. It is consistent with the Prudent Investor Act, which has been adopted by most of the states. This act requires advisors to use a “total return” approach as reflected in the “modern portfolio theory” of investing as well as acting in a fiduciary capacity.