1. The Human Life Value concept of Life Insurance.
2. Getting the Maximum Protection.
3. Saving 15% of your gross income – not right away but it needs to be the goal
4. Reallocation of Assets, preferably automatically and every 6 months.
5. Passive & Managed investing equally.
6. Planning everything at the beginning – Wealth Accumulation, Distribution and Conservation should be planned from the start.
7. Not increasing your risk tolerance.
8. Working with your current cash flow.
9. Implementing plans with the simplest methods for success – making it automatic.
10. Considering Lost Opportunity Costs in all major financial decisions.
11. Financial plans that get implemented; that implementation is a duty of the planner, also, not just the client.
12. Trying to achieve your maximum wealth potential, which is not a stated number but the maximum your income and assets can produce.
13. Following up not less than once a year with our clients; it is their duty to come or stay in touch with us.
14. Coordination and Integration of financial products is the key to financial success.
15. Not blindly saving money in a company sponsored plan like a 401(k) just because it is there, but seeing how it will affect the entire financial picture first.
    
    This list is not complete, by any means, and is set as a goal,  however, we can help you achieve all of these items.

Investments products and services available only to residents of: California (CA), Colorado (CO), Missouri (MO) Eric Heckman is licensed to sell insurance products in the following states of: Arizona (AZ), California (CA), Colorado (CO), Florida (FL), Missouri (MO), Oregon (OR). Eric Heckman is a Registered Representative offering securities through The O.N. Equity Sales Company, Member FINRA/SIPC One Financial Way  Cincinnati, OH 45242   513.794.6794. Investment Advisory Services offered through H.F.I.S., Inc., a Registered Investment Advisor which is not affiliated with The O.N. Equity Sales Company.

A broker/dealer, investment advisor, Broker/Dealer agent or Investment Advisor Representative may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state’s broker/dealer, investment advisor, or Broker/Dealer agent or Investment Advisor Representative requirements, as the case may be; and follow-up, individualized responses to consumers in a particular state by broker/dealer, investment adviser, Broker/Dealer agent or Investment Advisor Representative that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state’s broker/dealer, investment advisor, Broker/Dealer agent or Investment Advisor  Representative requirements, or pursuant to an applicable state exemption or exclusion.  HFIS, Inc. CA Insurance Lic. 0E89971, Eric Heckman CA Insurance Lic. 0A95364, Kevin McClelland CA Insurance Lic. 0F56616