Strength. Experience. Transparency.

Heinz Investments is a Registered Investment Advisor (RIA), and as such, we are not allowed to receive commissions on variable products like mutual funds, stock funds, and variable life and annuities. Our services are fee-based only to ensure our interests align with our clients' interest goals. All fees will be explained in writing ahead of any services.

Our first meeting is a free, one-hour consultation. We will discuss your goals and aspirations. We will explain why we rarely recommend mutual funds or annuities. Furthermore, we prefer to invest directly in stocks to keep the fees low and to give you the flexibility for income tax planning. Furthermore, we will look at your current portfolio and tell you what we like and what we do not like. Then, if you’re comfortable with what we presented to you and the fee we quoted, you will have the opportunity to set a second meeting with a customized proposal for your family.

The most common problems we see in financial plans are:

• High hidden costs in their plan
• Too much money is invested in high-cost mutual funds
• No tax planning. Stocks are sold without consideration for the tax consequences.
• Too much trading of investments
• Wrong ownership of accounts for estate and liability planning

We have chosen to use Charles Schwab as the custodian. This means that once you become a client with us, you will receive electronically or by paper a monthly statement from Charles Schwab. Charles Schwab will inform you of any activity in your account. The costs of trades vary from $0.00 to $9.95 with Charles Schwab. Our fees will be fully explained and put in writing for transparency. You can call us anytime, and you will decide how often we will meet.