Heartwood Financial Services

Overview

Heartwood Financial Services operates as an independent registered investment adviser serving individual and family clients with a concentrated advisory offering: financial planning and portfolio management for individuals and small businesses. The firm bills through a mix of percentage-of-AUM, hourly, and fixed-fee arrangements, and reports its advisory relationships as discretionary. Heartwood is not positioned as a capital allocator and does not identify as an active ESG investor. Its client base and service model suggest a focus on straightforward wealth management rather than institutional consulting or multi-state advisory programs. Investment activity centers on publicly available pooled products, with the firm leaning heavily on mutual funds and other public funds as the primary vehicle for implementing portfolios. The ADV indicates a preference toward these collective vehicles rather than custom separate-account strategies or broad alternative allocations, though the firm does make some use of digital currency exposure for clients who seek it.

Assets & Accounts

Investments & Alternatives

Location & Offices