Are You Paying Too Much? The Case for Choosing an AIF® Financial Advisor in Connecticut
It may surprise you to learn that most major brokerage firms still operate under a dual-registration model. This means their advisors can switch between two roles that often confuse clients: a broker operating under the suitability standard or a fiduciary advisor operating under the RIA standard. Plainly put, the RIA standard requires that advisors put their clients’ interests ahead of their own. I know. Shouldn’t that be the industry standard? Of course! But it’s not. Most of their clients never […]
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Date: January 23, 2026
Are Your 2026 Financial Resolutions HNW-Ready? A Guide to Retirement Planning in New Haven, CT
Most New Year’s resolutions fade by February, but for high-net-worth families, the right resolutions can influence decades of wealth, legacy, and retirement security. Generic “save more, spend less” advice often falls short in meeting the needs of affluent households, particularly when multiple properties, business interests, charitable goals, and substantial retirement accounts are involved. This guide from Heritage Capital outlines three powerful HNW-level resolutions that will help you refocus your finances, lifestyle, and retirement planning in Connecticut for a more confident […]
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Date: December 29, 2025
Fed Rate Cuts & Your Retirement: CT High-Net-Worth Strategies
The Federal Reserve’s decisions don’t just make headlines; they ripple across portfolios, especially for high-net-worth individuals. In particular, interest rate cuts can shift the entire dynamic of how investments behave and how long wealth lasts in retirement. Rate cuts can impact everything from bond income and real estate performance to equity market volatility and inflation pressure. And if your wealth strategy was built around the assumptions of a high-rate environment, now is the time to revisit it. At Heritage Capital, […]
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Date: October 24, 2025
The Impact of AI on Your Retirement Portfolio
Artificial intelligence is no longer a concept on the horizon; it’s already influencing how companies operate, investments are evaluated, and wealth is managed. Suppose you’re an affluent investor in Connecticut, especially if you’re planning your retirement or have already retired. In that case, AI presents opportunities to grow wealth and risks that could erode it if left unaddressed. The real challenge isn’t reacting to every new headline about AI-driven stock rallies or market volatility. It’s ensuring your retirement plan and […]
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Date: October 8, 2025
From Bonds to Stocks: How Interest Rates Affect Retirement
When rates rise, some retirees breathe easier knowing their bonds might pay more. Others worry that their stock portfolio could take a hit. And when rates fall? The script flips. If you’ve built up $500K or more in investable assets, you’ve probably felt that tension firsthand. The goal isn’t to guess what the Fed will do next; it’s to position your retirement plan to stay strong no matter what happens. Our article, “From Bonds to Stocks: How Interest Rates Affect […]
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Date: September 30, 2025
Retirement Planning and the One Big Beautiful Bill
This blog post examines the “One Big Beautiful Bill” (OBBB) and its potential influence on your tax and investment strategies, both currently and in the future. This information is particularly relevant if you are nearing retirement or are already retired with at least $500,000 in investable assets. As you shift from saving for retirement to taking distributions from your retirement assets, various tax liabilities come into play. Your goal should be to preserve as many assets as possible to sustain […]
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Date: August 18, 2025
Is Healthcare Inflation Threatening Your Retirement Plan?
Rising healthcare costs are forcing many high-net-worth individuals to reevaluate their retirement plan strategies. Even if you have $500,000 or more in investable assets, you may wonder: Will healthcare eat away at the retirement assets I’ve worked so hard to accumulate? One of the biggest threats today is the growing and often underestimated cost of healthcare in retirement, particularly in the latter years when there is a possibility for Assisted Living, Skilled Nursing, or Memory Care. In this article, we’ll […]
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Date: July 31, 2025
High Net Worth? Discover Your Ideal Retirement Strategy in Woodbridge
Retirement planning for folks with sizable assets requires a special approach. Are you confident your present strategy is moving you toward your long-term goals? For high-net-worth (HNW) individuals who wish to retire in Connecticut, personalized financial planning is required to address the unique issues and opportunities presented by substantial wealth. We are Heritage Capital, a well-established local financial planning firm that develops personalized retirement plans based on your objectives. Regardless of whether you’re interested in tax planning, wealth transfer, or […]
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Date: April 28, 2025
Spring Forward into Retirement: Active Portfolio Management for a Secure Future
Retirement planning is not merely saving; it’s making smart choices to safeguard and grow your money. Active portfolio management can help your retirement funds withstand market fluctuations and take advantage of good opportunities. Employing a fee-only financial planner, like Heritage Capital, offers the necessary guidance to gain financial independence. Paul Schatz, President of Heritage Capital and an Accredited Investment Fiduciary (AIF®) designee, sets the tone for the firm’s strong commitment to helping clients make the best-informed financial choices. The Need […]
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Date: April 8, 2025
Secure Your Golden Years: How to Effectively Plan Your Retirement in Connecticut with an AIF®
Retiring in Connecticut can be rewarding, but retirees face financial challenges. At Heritage Capital, located in Woodbridge, Connecticut, we specialize in personalized, tax-savvy strategies that help retirees protect their golden years. The AIF® designation held by Founder and President Paul Schatz further exemplifies our commitment to the highest standards of fiduciary responsibility, ensuring that we always put your interests first. Local expertise guarantees that we address the challenges and opportunities unique to retiring in Connecticut. The Retirement Landscape in Connecticut […]
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Date: February 3, 2025
