Begin My Life Audit

Our signature  LIFE AUDITS  explore all facets of your life to determine your financial knowledge, fiscal discipline, and the extent of your assets. It is a thorough analysis of your current financial health.  It helps red flag potential pitfalls and defines typical mistakes Americans make most often.  Most importantly, it will help you create the path to your dreams.  So don't worry, we will hold your hand through the process.

The Life Audit is very much like going to see your general practitioner.  The do an in-depth physical gathering of all your health related information.  If you have specific healthcare needs, your practitioner will refer you to a specialist.  At Heritage, our Life Audit is much the same.  We complete and in-depth financial needs analysis which puts our client in the center of their financial planning.  This information helps determine which professional our clients need to see such as, insurance, mortgage, loan, credit repair, and business development, for example.  Strategic partnering with financial related businesses gives us the combined power of experts, coupled with our 24 years of expertise, creating dynamic results for our clients.

Once the client sees the professional, we are in discussion with that professional ensuring no gaps arise because gaps create financial losses.  Along the way we educate our clients by giving them industry information that most companies do not share.  This in-turn helps our clients make better financial decisions, keep more money in their pockets, and boosts plans of reaching individual financial goals.

While you go through the Life Audit process, keep in mind a few things that you may fall victim to: not setting realistic financial goals, mistaking luxuries for necessities, or looking for unexpected windfalls.  These things will be important in establishing a sound financial plan.  Especially when you think about the "What Ifs" of life.  What If we go into another recession? I live to be 100 years old? I become disabled? Retire? Have a high tax bill? I'm starting a family or new career? My business has a high electric bill? Buying a house or expanding my business? I lose my job?  What if I die?

There are many "What Ifs" that you could face but how you handle them will have a major impact on your life and wallet.  Our Life Audit is a great way to discover how the events in your life can bring a positive outcome to your portfolio.  To get started on your no cost Life Audit, please fill out the form on our Contacts Page.  A Living Benefit Specialist will be assigned  personally to you and will contact you shortly. 


Educational Seminars & Workshops

A seminar is defined as a form of academic instruction.   Either at an academic institution or offered by a commercial or professional organization.  It has the function of bringing together small groups for recurring meetings, focusing each time on some particular subject.  

Most people are so busy with the day-to-day job of living they don't have time to acquire the financial education necessary to secure a healthy and prosperous future.  As in most games, there are rules and regulations you must follow to win.  The same concept can be applied to living this game called "Life".  If you don't know the rules, then you might find yourself sitting on the side lines, unable to play.  Through workshops and seminars, Heritage TRA introduces keys to a successful and healthy financial future. Workshops & seminars help people to become aware of everyday pitfalls and how to avoid penalties and fees that can rob their portfolios, therefore allowing them to keep more money in their  pockets.  Each is customized to assist individuals in identifying and qualifying his/her personal and family financial planning needs.

We have made it our mission to teach everyone how to make better financial decisions just by explaining some of the rules surrounding the everyday choices we have to make. How do we accomplish this?  We have partnerships with community colleges, universities, nonprofits and other organizations around the United States. Together, we provide relevant course materials that help teach consumers specific financial concepts that can be applied to their personal plan strategy. 

So, how do participants benefit? They receive helpful worksheets and Q&A sessions. Gain a greater understanding of financial management, plus a complimentary consultation for all participants.  If your business or organization would like for Heritage TRA to deliver a custom designed seminar for your clients, we will be glad to help.  Whether you are providing this service for your employees, clients, or prospective clients, we can help you strengthen morale, build participation, and motivate participants into action. For more information, please go to our Contacts page and leave us a message.  A Living Benefits Specialist will get back to you shortly.

Example of Seminar Topics 

The Life Audit

Ensuring an Enjoyable Retirement

Women Approaching Retirement and Beyond

You and Your Credit Score

Financing Your First Home

Estate Planning

Getting Fiscally Fit

College Planning

Investing Basics for Women

Financial Blunders- Lessons We Never Lean