Welcome

Heritage Capital Management was founded on the concept of managing risk. Our primary objective since our inception in 1989 has been to keep our client accounts “in-tune” with the risk/reward environment of the market at all times.

We strongly believe that strategies designed to reduce risk during severe bear markets should be at least a part of every single investor’s portfolio.  According to Ned Davis Research, the average bear market lost -31% in the last century. And since the average Growth Fund (as defined by the Lipper Large Cap Fund Index) fell -64% in the Bear Market period from 3/31/00 through 3/31/03, we are confident that if given a choice, no investor would intentionally keep their portfolios fully invested during severe Bear Markets.

However, man does not live by defense alone. Thus, the second primary tenet of our investment philosophy is to “make hay while the sun shines” by keeping our portfolios focused on market leaders during bull market periods. Instead of allocating assets evenly among all asset classes, we believe it makes infinitely more sense to overweight the leaders and ignore the laggards.

We invite you to look around the site to review our approach and our programs.  We pride ourselves on personal service, so if I can ever be of assistance, please do not hesitate to contact me directly.