Heritage Harbor Financial Associates

Heritage Harbor Financial Associates
106 Crystal Brook Hollow Road
Port Jefferson Station, NY 11776
Phone: 631-331-6599

At Heritage Harbor Financial Associates, our team has been a part of our community for 30+ years building relationships and providing lifelong guidance. We offer an in-depth approach to wealth management that encompasses all aspects of your financial life. Our strength lies in our holistic approach - our ability to see and understand each aspect of your financial life and how they relate to and affect each other, now and in the future.

Our comprehensive process includes:

  • A personal consultation to establish your goals, desires and objectives.
  • Gathering the qualitative and quantitative data that reflects your circumstances.
  • Spending time analyzing the data to understand your personal situation.
  • Developing financial strategies designed to meet your objectives.
  • Implementing your agreed upon strategies designed to pursue your financial goals.
  • Monitoring, reviewing, and adjusting your program as needed on an ongoing basis.

What exactly do we do? Well, we offer a number of different services because not every need is the same.

Investment & Asset Management

-Life Insurance

Access to multiple companies: We offer access to many Life Insurance companies to give you the customized options that are needed for you and your loved ones.

Mortgage and Income Protection: Protect your home in the event you are unable to work due to an accident or illness.

Annual Beneficiary Reviews: A year can bring many changes and some changes may make it necessary to change your beneficiaries.

Customized Solutions: Our team works directly with you to create customized solutions for your unique situation.

Funding buy-sell agreements for Small Business owners: Safeguard your business with several options funding a buy-sell agreement.

-Estate Conservation Strategies

Long Term Care Planning: Planning for your future care can ensure that your wishes are met.

Special Needs Planning: Having a plan for any of your loved ones with a disability in the event of your death can help ensure their future is cared for.

Medicaid Planning: Our medicaid planning strategies helps you evaluate your current financial situation and the actions needed to structure your financial resources.

Legal Documentation: Our team will help you secure legal documents such as Wills, Trusts, Health Care Directives, Power of Attorney and QDRO to ensure that your wishes are carried out.

Protection: Our Estate Conservation Strategies offer options to protect your assets, avoid probate and minimize estate taxes.

-Retirement Income Strategies

Annual Reviews of your Financial Roadmap: We will review with you, your financial strategies on an annual basis.

Income Streams: Our strategic planning is designed to develop income streams for life.

Offset Inflation: Laddering retirement income to offset inflation.

Tax Efficiency: Our relationships with tax professionals will ensure tax efficiency for your Retirement Income Strategy.

Social Security Analysis: We will help analyze your social security retirement benefits at different ages by assessing your earnings records.


Contact Info

106 Crystal Brook Hollow Road
Port Jefferson Station, NY 11776
Phone: 631-331-6599
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