Heartland Financial Planners offers comprehensive financial planning and investment management services designed to help individuals, high-net-worth clients, and small business owners achieve their long-term financial goals. Heartland Financial Planners operates on a fee-only basis, meaning compensation comes solely from client fees without commissions or product sales. Investment portfolios are managed on a discretionary basis, typically utilizing diversified, low-cost exchange-traded funds tailored to each client's risk tolerance, time horizon, and tax considerations. Financial planning services cover retirement planning, cash flow analysis, education funding, tax-aware strategies, estate planning coordination, and insurance needs analysis.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 0.85% |
| $500K+ | 0.75% |
Fees are negotiable based on engagement complexity, anticipated services, household relationships, or account size.