Business Description

Everyone looks ahead. Maybe it's buying a dream home, saving for retirement or building a legacy of wealth - we're always planning for our financial future. At Heritage, we are uniquely qualified to help you do just that. Why? Unlike any other financial organization we can literally assist you with whatever financial needs you may have. Whether you need a customized financial and estate plan, a rejuvenated investment portfolio, a tax return prepared, a mortgage or even insurance - we can help.

We specialize in "Moving Wealth Forward." That means we understand that financial needs and goals are always evolving. You need a strategic advisor that can not only help you with your immediate needs, whatever they may be, but one that has the knowledge and expertise to help you successfully realize your long-term financial dreams.

General Information

Gender:

Male

CRD#:

1613204

Firm CRD#:

133019; 119241

SEC File#:

8-66670

Insurance License#:

35499

Name of Broker/Dealer:

Heritage Financial Systems, Inc.

Name of Custodial Firm:

Penson Financial Services

States Licensed in:

Pennsylvania, Delaware, New Jersey, Maryland, Florida, New Hampshire, Arizona

Years of Experience in Financial Services:

Number of Years with Current Firm:

Work Experience:

Mr. Lureen successfully combines professional credentials with a personal approach in directing the corporate initiatives of Heritage Fincorp, Inc. An accomplished Financial Planner, Mr. Lureen has provided financial services for more than two decades to a diverse clientele consisting of high net worth individuals, corporate executives, business owners and corporate entities. A graduate of West Chester University with a Bachelor of Science degree in Business Management, Mr. Lureen is a licensed CERTIFIED FINANCIAL PLANNER professional and has earned the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Registered Financial Consultant (RFC), Accredited Estate Planner (AEP) and Accredited Asset Management Specialist (AAMS) designations. He holds FINRA series 6, 63, 7, 24, 27, 65, 53, and 4 licenses as well as Fixed and Variable Insurance licenses in various states.

I work with the following types of clients:

Individual Investors, Businesses

Education

Academic Background

BS, Business Management - West Chester University (1984)

Services

Investment Types:

Insurance, Commodities, Mutual Funds, Options & Futures, Alternative Investments, Exchange Traded Funds (ETFs), Annuities, Bonds, Stocks

Qualifications & Memberships

Certifications, Accreditations & Designations:

CERTIFIED FINANCIAL PLANNER™ Certificant, Chartered Life Underwriter (CLU®), Registered Financial Consultant (RFC), Chartered Financial Consultant (ChFC®), Accredited Asset Management Specialist (AAMS®), Accredited Estate Planner (AEP), Certified Financial Planner

Securities Licenses:

Series 27, Series 65, Series 63, Series 53, Series 24, Series 7, Series 6, Series 4

Insurance and Annuity Licenses:

HMO, Variable Life, Long Term Care, Variable Annuity, Life, Disability, Annuity, Health

Financial Organization Memberships:

National Association of Estate Planners & Councils (NAEPC), National Association of Insurance and Financial Advisors (NAIFA)

Firm Information

Number of Advisors in Office:

Up to 10 employees

Assets Managed by Firm:

Yes

Compliance

Registered Investment Advisor:

Yes

Registered Representative:

Yes

Investment Advisor Representative:

Yes

Compliance Disclosures in Last 5 years:

I have a clean record

Criminal Disclosures in Last 5 years:

I have a clean record

Compensation & Fees

I am a fee-based financial professional:

Yes

Minimum Portfolio Size for New Managed Accounts:

$500,000

Compensation Methods:

Based on Assets, Commissions, Flat Fee, Hourly

Prepared By:

Brian Lureen

Most Recent Update:

08/08/2008