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Heritage Capital Management Why Consider Heritage Capital? HCM Focuses on the Leaders An Experienced Team Three Types of Management Programs
HCM Believes In Communication Should you wish to receive these reports direct via email, please ask your HCM Representative to add your email address to our mailing list.
FAQ's About Heritage Capital Management Frequently Asked Questions Q: Is Heritage Capital Management Registered? A: Yes. HCM is a Registered Investment Adviser with the United States Securities and Exchange Commission under the Investment Advisor Act of 1940. Q: Is HCM Experienced? A: Yes. Heritage Capital Management was founded in 1989. As of 3/31/2008, HCM manages money for over 900 client accounts. Mr. Moenning has over 19 years experience managing client assets. Q: Are HCM’s Investment Programs Mutual Funds? A: No. Our Investment Management Programs employ stocks, mutual funds, and ETFs as investment vehicles. Q: Does HCM have Custody of my Account? A: No. HCM is given Discretionary Authority to manage your accounts, but does not have custody at any time. Clients retain all rights of ownership. Specific mutual funds and life insurance companies or Trust Company of America, a custodial firm based in Englewood CO, holds physical custody of the assets. Q: Can I Cancel the Program at any time? A: Yes. You may cancel our service at any time by providing written notice to Heritage. However, as a new client we ask that you give the program a fair trial of two to three years. Q: Is there anything else I need to know? A: Yes. HCM’s programs are NOT SHORT-TERM investments. Investment returns and principal value will fluctuate. Investments in stocks, mutual funds, variable annuities, and ETF's may lose value. For more complete information including management fees, expenses, and risks, see our most recent Form ADV Part II. Please read the Investment Management and Authorization Agreement before employing our services. Q: How do I get started? A: See your Financial Advisor for assistance in completing our Investor Profile and the necessary documents.
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