Plan, Prosper and Preserve Your Assets!

ABOUT US & OUR ADVISORS
OUR MISSION

At HEIR Financial, our Mission is smart and simple:

To help you achieve financial wellness and happiness.

 

We are passionate about forming a genuine partnership with you; working with you to
Plan, Prosper, and Preserve your Wealth and Legacy!

 

No matter your age or your current financial situation, we’re confident real possibilities exist and that you can discover financial freedom. We will work with you to understand your situation, your needs, and your goals to formulate a customized

plan to fit your lifestyle.

ABOUT HEIR FINANCIAL

 

Heritage Investments and Retirement Planning, Inc. (HEIR Financial),  an Independent Financial  Advisory Firm established in 1995 has been recognized as  the "most referred independent financial advisor" for several years. We partner up with only Rated A Financial Institutions and Carriers to bring you secure savings tools and vehicles.

 

HEIR Financial and its founder, Certified Financial Advisor Edna Consing Concepcion, has developed the exceptional LILACS Financial Strategy, a proprietary strategy that focuses on offering comprehensive financial advice tailored to the client’s specific circumstances.

OUR ADVISORS
PLAN, PROSPER AND PRESERVE YOUR ASSETS!

 

Our knowledgeable Advisors include a Certified Financial Planner™, a Certified Financial Retirement Advisor, a Tax Practitioner, and, a Lawyer / Estate Planner who, with 110 years of combined knowledge and expertise, are committed to giving you comprehensive and sound strategic ADVICE, STRATEGIES and SOLUTIONS that are tailored to your preferences and particular needs.

 

Our Advisors are proud to be on the cutting-edge of their professional; continually learning and re-learning the industry and the law, so that they can provide you with the most sound advice and guidance available. We pride ourselves on establishing long-lasting relationships with our clients and we can only do that by earning your trust and taking care of your finances.

R. Edna Consing Concepcion,  CRFA, CLTC

Certified Retirement Financial Advisor, Financial and Insurance Advisor,

HEIR Financial Planning Founding President

Celebrating 33 Years in the Financial Planning, Investments, Insurance,
Retirement Planning, and Real Estate Financing Industries

LEARN MORE ABOUT EDNA
Reid Tattersall,  CFP®, CLU®, ChFC®, CAP®

Certified Financial Planner, Securities and Financial Advisor

Celebrating 10 years in the Securities, Financial and Insurance Industry

LEARN MORE ABOUT REID
Wendy Pizzaro Campbell,  ESQ.

Estate Planner

Celebrating  20 years in the Legal Industry

LEARN MORE ABOUT WENDY

Clients & Testimonials
Shirley Horton

Mayor of Chula Vista

"...Edna is a trusted financial advisor and mostly, a dear friend.”

  • READ FULL REVIEW

    Edna Concepcion and I have known each other since the late 1980s.  As the Mayor of the City of Chula Vista, I appointed Edna to be one of the Commissioners where she served faithfully for 8 years.  Our friendship continued to grow even when I was in the California Legislature and had to spend most of my time in Sacramento.  Edna has always been dedicated to her family, her career, and the community. She has, over the years, handled most of my personal investments.  Edna is a trusted financial advisor and mostly, a dear friend.”

Annika Canones

BSN, RN

"I immediately called my Ninang Edna to guide me in planning my new income..."

  • READ FULL REVIEW

    "Edna Concepcion assisted me when I rolled over my 401K from my former job into an annuity IRA.  I recently passed the nursing board and was hired by the City of Hope in Los Angeles. I immediately called my Ninang Edna to guide me in planning my new income from my new career.”

     

Michelle Murphy

Houston, Texas

"Our family and children love [Edna] and have recommended her to our family.."

  • READ FULL REVIEW

    "My husband Mark and I are grateful we met Edna Concepcion way back when we were still active military. We were both young military wives and our husbands  were stationed in Charleston, South Carolina.  This was 37 years ago. My husband and I were so young and didn’t have a clue on how to handle our finances.  Then, we met Edna again in San Diego.  She has thoroughly guided us from purchasing our very first home in San Diego when she was a Senior Loan Officer (we now have two rental homes and an apartment complex) and she’s also guided us with the children’s college funds, and our TSP accounts that we have rolled over to annuities for some lifetime income.  My husband and I decided to move back to Houston, Texas  a couple of years  ago and will eventually retire here but Edna still keeps in touch with us often.  We recently did our 2012 review with her.  Our family and children love her and we have recommended her to our huge family.  So, she is taking care of all the Murphy  and the O’Brien families."

Rafael P. Consing, Jr.

San Francisco, California

"Edna has taken care of my [finances] ..all in diverse, well-balanced positions.”

  • READ FULL REVIEW

    "I’m a blessed and fortunate fellow.  The businesses I run are doing well.  I also happen to have a sister who is my financial advisor.  Ate Edna has taken care of my investments – from stocks, bonds, mutual funds, SEP IRA, annuities with bonuses for a lifetime income,  life insurance policies – as well as those of my wife and son, all in diverse, well-balanced positions.”

Rod Alonte

San Diego, California

"Edna guided me on designing a great Financial Retirement Plan..."

  • READ FULL REVIEW

    "“I was an engineer at Solar Turbines/Caterpillar for 40 years and retired in 2015.  Edna guided me on designing a great Financial Retirement Plan.  First, we rolled over some funds from my 401k account to a Single Premium Immediate Account (SPIA) so I could immediately receive a monthly income to add to my pension income. This way, my family and I get to keep our pre-retirement Lifestyle! Then, we rolled over some to a Fixed Indexed Annuity (FIA) so I could start receiving Income For Life whenever I choose to annuitize. Edna encouraged me to wait until I reach 66 to avail of my Full Social Security Benefit”.


    - Rod Alonte - February 2015"

Jodi  Yee

San Diego, California

"My 401k account has more than doubled in value...”

  • READ FULL REVIEW

    “I was the Senior Mortgage Processor of Edna Concepcion in 1985-1996 when she was in mortgage banking. Edna encouraged me to contribute to a 401k account at work. When Edna expanded her business to other financial services - securities,  stocks and bonds, IRA(s) - she  recommended that I roll over my 401k account to an IRA Annuity. I am glad I took her advice. My 401k account has more than doubled in value under an IRA Annuity in spite of the 2008 market crash.”  - August  2010

OUR PREFERRED FINANCIAL PARTNERS
Heritage Investment & Retirement Planning partners up with only Rated A Financial Institutions and Insurance Carriers (All Rated A or A+).  When clients prefer to go with other carriers not on our Preferred List, we could partner up with this company on the client’s specific case.

1) Allianz LIC of No. America

2) Athene  (formerly Aviva)

3) American General

4) American National Insurance Co (Anico)

5) Great American

6) Guardian Insurance  & Annuity

7) Integrity LIC

8) Jackson National

9) Lafayette Life

10) Lincoln National

11) Mass Mutual  Financial Group

12) MetLife Insurance

13) Midland National

      (Affiliate of Sammons Financial)

14) Minnesota Life

15) Mutual of Omaha

16) National Integrity

 

 

A

A

A

A

A

A++

A+

A+

A+

A+

A++

A+

A+

 

A+

A+

A+

17) Nationwide

18) New York Life

19) North American Company

    (Affiliate of Sammons Financial)

20) Pacific Life and Annuity

21) Penn Mutual

22) Principal Life

23) Protective Life

24) Prudential Financial

25) The Standard Insurance

26) Transamerica

27) United of Omaha

28) United States Life

      (affiliate of United of Omaha)

29) Voya Annuity

     (formerly ING USA Annuity)

30) West Coast Life

A+

A+

A+

 

A+

A+

A+

A+

A+

A

A+

A +

A+

 

A

 

A+

is an INDEPENDENT FINANCIAL ADVISORY FIRM.

Plan, Prosper and Preserve Your Assets!

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** Some of the Information on this site has been derived from different resources such as the National Financial Planning Association, Securities and Exchange and  Commission, Department of Insurance and Investopedia

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