Our Services
How We Help You
We create a portfolio for you aligned with your values while taking into account your time horizon, risk profile, and liquidity needs.
Testimonial
My wife and I met Demel Gonzalez when he worked for a national firm as a financial advisor. When he started Heartwood Financial Services, we were at the beginning of the line to transfer our investments to Heartwood, where Demel has managed their growth for almost a decade. We are both very pleased with the financial gains of our accounts and with Demel’s advice on financial topics. We live almost 100 miles away from his office, yet we see and communicate more with Demel than we did with a local financial advisor. His advice is direct, concise and always on target.”
Ed & Priscilla K.
Florida
*Please note that these testimonials are from current clients who were not compensated in any way for their testimony.
Comprehensive Financial Planning
Our services include financial planning and investment management. Demel is a “hands-on”, strategic, analytical, and tactical advisor who designs a plan specifically for your needs and situation. He walks alongside you, and will “course correct” when life happens.
Fees are assessed in arrears quarterly based on the percentage of assets under management.
Fees are negotiable depending upon the needs of the client and the complexity of the situation.
Annual meeting to review performance and goals as well as a preview of the upcoming year to determine if we need to adjust for any life transitions that could be on the horizon.
Click here for fee schedule
| Total Assets Under Management | Annual Fee |
| Up to $300,000 | 1.25% |
| $300,001-$700,000 | 1.0% |
| $700,001-$1,300,000 | 0.85% |
| $1,300,001-$2,000,000 | 0.65% |
| Above $2,000,000 | Negotiable |
One Time Financial Plan
Heartwood offers a stand-alone financial plan if investment management isn’t desired.
We will have an initial meeting to discuss your goals and values.
You will receive a detailed, written report with recommendations and action steps. Included with that is ongoing support for one full year once you’ve received your plan.
Click here for rate
This service is available for a fee of $1500 – $3,000 to be determined by Demel based on the complexity of the situation.
HEARTWOOD ‘s Financial Planning SERVICES (click on the one you are looking for)
Investment Management
- Personalized Asset Allocation Construction
- Risk Managed Portfolios customized to your needs
- Access to a vast array of low-cost institutional priced investments and tax efficient solutions
- Discipline Investment Strategy
- Proactive Management
Retirement Planning
- Goal-Based Planning
- Retirement Income Planning – Strategies
- Social Security Benefit Analysis
- Pension Maximization Strategy
Tax Minimization
- Tax Sensitive Investment Vehicles
- Strategic Asset Allocation Techniques
- Tax Efficient Trading Strategies
- Retirement & Multi-generational Wealth Maximization
- Cost-Basis Optimization Strategies
- Roth-Conversion Analysis
Estate Planning
- Estate Tax Minimization- We discuss strategies and identify your needs
- Gifting Strategies- Family and Charities
- Inheritance Planning- Beneficiary Designation Reviews
- Estate Distribution
- Discuss Proper Account Filling Strategies
- Collaborate with Attorneys, CPA’s
- Coordinate/refer to third-party accountability for special needs situations
- Capital Gains Optimization
Charitable Planning
- Charitable Foundations
- Qualified Charitable Distribution
- Charitable Trusts
- Donor Advised Funds
Risk Management
- Shielding Wealth from Liabilities- Umbrella
- Insurance- Life, Disability, Long-term Care
- Risk Mitigation Techniques
- Annuities
*Please note that Heartwood Financial Services does not receive any compensation for use of products.
Financial Concierge
- Cash Management- Review/Maximize
- Mortgage & Lending Advice
- Coordinating Services between Financial Professionals
Testimonial
“I have been a client with Heartwood Financial Services since its inception. I have complete confidence in their ability to maintain my portfolio with effective results to ensure my financial well-being. They are always there to answer any questions, and address any concerns.”
Fred H.
Georgia
*Please note that these testimonials are from current clients who were not compensated in any way for their testimony.
Retirement Income Planning is a Specialty at
Heartwood Financial Services
Retire with a financial house built to weather the storms of life. Whether you have saved $100,000 or $10,000,000, the investing strategy you use to turn your savings into retirement income is one of the most significant financial decisions you will ever make.
Knowing how to turn savings into retirement income that lasts, and keeps pace with inflation, requires a skill set that is a specialty at Heartwood.
We will help you answer the important questions.
How much can i safely spend?
how much risk should i take?
how much will i need?
what do i want my retirement to look like?
what investments should i choose?
what investments strategies are best for me?
will i have enough for taxes and healthcare?
How much can i leave for my beneficiaries?
How do you know if you have enough to retire?
Value Matters
We help bring order to your financial life by bringing insight from the outside to help you avoid emotionally driven decisions in important money matters.
We work with you to anticipate your life transitions and to be financially prepared while helping you follow through on financial commitments.
Together we explore what specific knowledge will be needed to succeed in your situation so we can help you achieve the best life possible.
How do we do that?
Partnership
We work with you, walk alongside you, by taking the necessary time to clearly understand your story, your needs, your philosophy… your specific circumstances. We offer transparency with costs and compensation.
Education
We believe in education and it is our priority to educate you in ways that are beneficial to your specific situation, but to also present risks and options in ways that are helpful and meaningful. Give you resources to aid in decision making… guide you to see pros/cons
Accountability
We will guide you to follow through on financial commitments/obligations; prioritize; review progress and goals, course correct when “life happens”; remind you of your long-term goals; We will help you follow through on financial commitments
Proactivity
We work with you to anticipate your life transitions and to be financially prepared for them. We preview, not just review your year. Help you anticipate/identify upcoming life transitions and prepare/plan/adjust as needed; manage things ahead, not from behind
ORGANIZATION
We help you by bringing order to your financial life. We help you at all levels – macro (investments, charitable giving,taxes)and micro (household cash flow)
Objectivity
We bring insight from the outside to help you avoid making emotionally driven decisions. No conflict of interest; Fiduciary benefit; fee only; research necessary to ensure you have all the info you need to make decisions; we help take the emotion out and present things with the objectivity needed to avoid/prevent potentially emotionally charged decisions that could negatively impact growth/goals/ cause set backs.
We invite you to stop worrying about money and start investing
in your financial future!
Get Started
We invite you to stop worrying and partner with us to design your plan that will help you anticipate life transitions and help you be prepared for them!
Contact info
+1 407-878-7275
demel@myheartwood.com
brian@myheartwood.com
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