Heritage Wealth Advisors

Heritage Wealth Advisors Financial Advisor at Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, LLC

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A Tax Holiday is when you intentionally position yourself in lower tax brackets to take advantage of certain tax breaks—...
06/05/2026

A Tax Holiday is when you intentionally position yourself in lower tax brackets to take advantage of certain tax breaks—like for capital gains, Roth conversions, and Social Security timing—while avoiding significant tax hits when moving assets or withdrawing money. These strategies can create highly effective planning opportunities, but they also require thoughtful preparation and coordination.

We’ll be discussing this in more detail during our Creating Tax-Free Retirement Income virtual event tomorrow (Friday), June 5, at 10am PT, along with other approaches to structuring more tax-efficient retirement income. Join us by RSVPing at the link, and feel free to share:
https://www.ameripriseadvisors.com/team/heritage-wealth-advisors/events/

In a tax-deferred shelter (401k, 403b, traditional IRA, pensions, etc.), money goes in pre-tax, so you get a benefit upf...
06/02/2026

In a tax-deferred shelter (401k, 403b, traditional IRA, pensions, etc.), money goes in pre-tax, so you get a benefit upfront—and it grows tax-deferred, meaning no tax on dividends or interest. The tradeoff is that when it comes out, 100% is taxed as ordinary income.

With tax-free shelters (Roth IRAs, municipals, 529 plans, cash-value life insurance, HSAs, etc.), money is taxed on the way in. But from there it grows tax-deferred, and can be withdrawn 100% tax-free if structured properly.

Depending on your long-term goals, both of these tax-mitigation strategies can be powerful tools to help you keep more of your retirement income. Join us this Friday, June 5, at 10am PT for our Creating Tax Free Retirement Income virtual event to learn how they can fit into your financial plan. RSVP at the link to learn more: https://www.ameripriseadvisors.com/team/heritage-wealth-advisors/events/

Your money is often taxed multiple times: once when it comes in (like a paycheck); again as it’s invested (through divid...
05/29/2026

Your money is often taxed multiple times: once when it comes in (like a paycheck); again as it’s invested (through dividends, interest, or property taxes); and then again on gains when assets are sold.

This is where two types of tax shelters can become valuable:
1. Tax-deferred shelters: Money is taxed when it comes out. The tradeoff is that 100% is taxed as ordinary income on the back end—meaning it has the highest rates associated with it.
2. Tax-free shelters: While money is taxed on the way in, it can grow tax-deferred, and is 100% tax-free when taken out following IRS guidelines.

Diversifying money based on the way it will be taxed is a critical step in developing an effective tax strategy. That’s why with our clients, we’re focused on how to better take control over the taxes we pay on that income—specifically by creating streams of income that are tax-free.

We’ll discuss this in detail in our Creating Tax‑Free Retirement Income virtual event on Friday, June 5, at 10am PDT. Join us by RSVPing at the link—and feel free to share: https://www.ameripriseadvisors.com/team/heritage-wealth-advisors/events/

The key to influencing your tax burden is to diversify your income sources. That’s because ordinary income (W2, 1099, et...
05/28/2026

The key to influencing your tax burden is to diversify your income sources. That’s because ordinary income (W2, 1099, etc.) is taxed at a higher rate than any other source—and it’s why most Americans, regardless of their net worth, generally have a higher tax rate than most billionaires. Their wealth is generated through things like capital gains, dividends, and real estate interest, which all have lower tax implications than ordinary income; and they have an intentional tax plan that optimizes where they invest.

On Friday, June 5, we’re hosting a free virtual event called Creating Tax-Free Retirement Income, where we’ll walk through strategies designed to help create more tax-efficient income in retirement. RSVP at the link for all the details, and feel free to invite anyone who may be interested—all are welcome:
https://www.ameripriseadvisors.com/team/heritage-wealth-advisors/events/

We’re excited to announce that Forbes has named several advisors on our team to the Forbes’ 2026 Best in State Wealth Ad...
05/27/2026

We’re excited to announce that Forbes has named several advisors on our team to the Forbes’ 2026 Best in State Wealth Advisors list. Please join us in congratulating Erin Scannell, Steven Bealey, Amy Schwab, Daniel Polson, Dipali Amin, Brian Van Houten, Lindsey Maphumulo, Brett Ferguson, and Thomas Robbins. What a collection of some of the top advisors in the industry!

For some, it is their first time on this list; and for most, they are maintaining long-held spots—including our CEO Erin, who has been on the list since its inception, and has once again earned the #1 ranking in Washington for private wealth. Together, these recognitions reflect more than 250 years of advisory experience in working diligently to help our clients confidently meet their financial goals.

While these recognitions are individual, we couldn’t achieve them alone. Not only do our advisors collaborate with one another on our growing team, but they are also supported by a deep bench of specialists and operations professionals who help to inform and empower every decision made by our clients and their families. Together, they help successful families navigate decisions across generations around growth, risk, legacy, and change—but always anchored in a fiduciary standard and a deep understanding of each client’s unique goals.

We recognize that none of this would be possible without the trust these families place in us every day. These accolades reinforce exactly what we strive for: advice that’s informed and intentional, an experience that’s based in excellence, and planning that helps clients not just experience positive outcomes—but allows them to truly focus on the things that matter most in their lives.

On Memorial Day, we pause to honor and remember the men and women who gave their lives in service to our country. Their ...
05/27/2026

On Memorial Day, we pause to honor and remember the men and women who gave their lives in service to our country. Their sacrifice, and the families who carry that legacy forward, deserve our deepest respect and gratitude.

As we reflect on the meaning of this day, we also hope you’ve had the opportunity to spend time with loved ones and enjoy a moment of rest over the long weekend.

Today, we remember, and we give thanks.

Wishing a very happy May birthday to Jill, Randy, Chas, Dan, Dipali, Alisa, Shelly, Jeff, Conner, Travis, Chad, and Soph...
05/20/2026

Wishing a very happy May birthday to Jill, Randy, Chas, Dan, Dipali, Alisa, Shelly, Jeff, Conner, Travis, Chad, and Sophie! We hope you have a wonderful birthday and are able to celebrate with the ones you love.

Happy Feature Friday! In honor of Mother's Day last weekend, we wanted to share some of the incredible moms on our team ...
05/15/2026

Happy Feature Friday! In honor of Mother's Day last weekend, we wanted to share some of the incredible moms on our team enjoying time with their families on their special day.

A day isn’t nearly enough time to celebrate everything these wonderful women do for us, but we’re incredibly grateful for all the mothers, grandmas, stepmoms, and more on our team.

We’re honored to share that Heritage Wealth Advisors has again been named to the Forbes 2026 Best-in-State Wealth Manage...
05/13/2026

We’re honored to share that Heritage Wealth Advisors has again been named to the Forbes 2026 Best-in-State Wealth Management Teams list in Washington for the fourth year running. While rankings like this measure experience and professionalism, they only tell part of the story. What matters most to our team is the responsibility that comes with being trusted to help manage the wealth of our clients and their families across generations.

Our work is deeply collaborative. Behind every advisory relationship is a dedicated team of specialists, operations professionals, and support staff working together to inform and manage complex decisions—whether that means managing downside risk, building sustainable income, or helping clients align their plans with long term goals and values that will allow them to get the most out of life. That team-first approach has always been central to how we practice, and it’s what allows us to deliver advice that’s informed, personal, and actionable—and that makes a real impact in the lives and communities of the families we serve.

Ultimately, this recognition reflects the confidence our clients place in us; not just their advisor, but the entire team that supports them. We’re grateful to work alongside families, business owners, and executives who entrust us to help them move from success to significance—and who challenge us to keep listening, planning, and growing.

Happy Mother’s Day! Amid busy spring plans and stressful seasons, we hope our clients, team members, and more are able t...
05/10/2026

Happy Mother’s Day! Amid busy spring plans and stressful seasons, we hope our clients, team members, and more are able to take some time this weekend to focus on what matters most—spending quality time and making meaningful memories with those you hold closest.

Address

2630 77th Avenue SE, Suite #110
Mercer Island, WA
98040

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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