Julian Grubbs, Certified Retirement Planning Counselor

11/02/2026

November is National Long-Term Care Awareness Month!

Planning for long-term care isn’t just about looking ahead, it’s about staying in the driver’s seat. Taking the time to plan now means protecting your lifestyle, maintaining your independence, and ensuring your future aligns with what matters most to you.

All month long, we’ll be sharing smart financial strategies to help you stay in control of your future, no matter what twists and turns life brings.

11/01/2026

This time of year, you may hear the phrase "tax-loss harvesting." Before moving ahead, it's best to get some guidance from a financial professional who is familiar with the strategy.

You may have heard the phrase "tax-loss harvesting." A financial professional may be able to provide some guidance.

10/31/2026

How much do you know about stocks?

Understanding how a stock works is key to understanding your investments.

10/31/2026

Happy Halloween from all of Heritage!

Financial fears don’t have to be frightening, from haunting debt to ghosted budgets, Heritage is here to help you face them with confidence.

Visit our website to learn how our financial services can help you conquer your money monsters: https://www.heritageconsultants.com/

10/30/2026

You are unique. Your goals and needs should be the basis of any financial strategy you follow.

Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.

10/29/2026

We are excited to share that Elizabeth P**l Goss/Heritage Financial Consultants, LLC and Julian Grubbs, Certified Retirement Planning Counselor have been named 2026 InvestmentNews Rising Stars! The program recognizes financial advice and wealth management professionals age 40 or younger who show a strong commitment to the industry. Honorees were chosen by an independent panel of industry leaders, who considered career achievements, industry contributions, future goals, and recommendations from senior professionals.

Congratulations, Elizabeth and Julian. We are proud to work alongside you, and it is great to see your dedication acknowledged!

The InvestmentNews Rising Stars award accepts nominees that are aged 40 or under (as of 10/1/26) and are committed to a career in wealth management, with a clear passion for the industry. Nominees were asked about their current role, key achievements, and career goals, as well as the contributions they've made to shaping the industry. The Rising Stars were determined by an independent panel of industry leaders. Recommendations from third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.

10/29/2026

The financial risks to consider when evaluating self insurance?

Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails?

10/29/2026

Nationwide's 2026 study surfaced three key lessons from parents:

🎯 Not starting early enough.
More than 25 percent of recent retirees wish they had started sooner. Fifteen years of compounding early in a career can make a HUGE difference.

🎯 Not raising the contribution rate as your income grows.
Thirteen percent of recent retirees wish they had contributed more to their savings each year.

🎯 Claiming Social Security at 62.
More than a third of boomers plan to claim benefits the moment they become eligible, even though doing so cuts the monthly benefit by 25 to 30 percent for life.

According to the SSA, waiting past full retirement age adds 8 percent per year, up to age 70.

Across the research, three things seem to matter most:

1️⃣ Starting early
2️⃣ Getting an outside perspective rather than relying on instinct alone
3️⃣ Treating retirement as something that unfolds over decades rather than a single date on the calendar

10/28/2026

When it comes to investing, you may be your own worst enemy.

Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of.

10/27/2026

When are you taking your Social Security benefits? Considering the timing can help maximize your benefit.

Taking your Social Security benefits at the right time may help maximize your benefit.