Julian Grubbs, Certified Retirement Planning Counselor

10/25/2026

Surprises crop up every day, and they’re a great reason to work with us.

10/23/2026

Have you heard about the new contribution limits from the IRS? Read about it in our article.

A look at the new retirement contribution limits from the IRS.

10/22/2026

Do you have old retirement plans from your former employers? Our video offer tips on how to search for your missing money like a Retirement Plan Detective!

Watch this fun video for tips on how to search for missing money.

10/22/2026

Trust & Will's 2026 Estate Planning Report found that 56 percent of adults don't have core documents in place, including:

📝 A will: who gets what, and who is in charge of making it happen

🏥 A healthcare directive (or living will): what you want if you cannot speak for yourself

✍️ Two powers of attorney, one for medical decisions and one for financial decisions, each naming a specific person

📄 A letter of instruction: the practical map to where accounts live, who your professionals are, and what your kids or pets need

The friction is that estate work forces a family to sit with mortality, name specific people for specific roles, and make decisions that feel too permanent to rush.

Without something in writing, though, families are left improvising during one of the most difficult moments of their lives.

Most say they fully intend to get to it, but too many put it off until it's too late.

Don't put it off. Talk to a financial professional who can help.

10/21/2026

Extended care refers to services needed by those who have a chronic illness or disability.

Understanding the types of extended care services—and what those services could cost—may be critical.

10/20/2026

Life's big moments don't wait for a financial wake-up call. National Financial Planning Month is your reminder to build a strategy today for the home, family, or retirement you want tomorrow. Get ahead of the curve with a custom plan.

This October, take the first step toward your goals, visit our website for more information: https://www.heritageconsultants.com/

10/19/2026

Life evolves constantly, and your legacy approach should too. Marriage, divorce, welcoming a child, health shifts, or legislative changes are all good reasons to revisit whether your current approach still matches your goals.

Review your legacy approach regularly, particularly following significant life events or legislative updates.

10/19/2026

What happens to your cash flow when you stop earning a paycheck?

The 2026 EBRI Retirement Confidence Survey caught something interesting about that shift.

📊 Among workers, 33 percent say they turn to a financial professional for guidance.

📊 Among retirees, that number climbs to nearly 40 percent.

National Retirement Security Week (October 19–25 this year) is a reminder to check whether your strategy is evolving with your lifestyle priorities.

If retirement is within a few years, the practical step is not rebuilding the strategy today.

It's identifying the two or three moving pieces that are no longer theoretical, the day you stop working, and consider working with a financial professional who can help guide you.

10/19/2026

This Business Women’s Week, we’re proud to recognize the women at Heritage Financial Consultants who lead with insight, integrity, and impact. Your dedication drives our mission forward and inspires the next generation of financial leaders.

Thank you.

10/19/2026

It’s Estate Planning Awareness Week! This is a reminder to protect what you’ve built and ensure your wishes are honored. Plan today so your loved ones have clarity and guidance tomorrow.