Financial Planning

A financial road map can help you chart a course between where you are today and where you want to be tomorrow. With Prudent, Transparent, and Objective financial planning, American Heritage Wealth Management is here to serve your American Dream and establish a lasting legacy for your family. 

Our PTO financial planning also includes the following services:

  • Personal Financial and Family Estate Plans*
  • Health and Educational Planning
  • Cash Flow Budgeting and Asset Allocation
  • Insurance Protection and Analysis
  • Retirement Accumulation and Income Strategies
  • Wealth Accumulation and Preservation Strategies
  • Financial Statement and Portfolio Reports
  • Charitable Giving Solutions
  • Business Planning and Succession
  • Tax Planning* 

Tax Resources link:

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investment Services, nor any of its representatives may give legal or tax advice.

The AdviceWorks Plan

What is AdviceWorks All your financial goals and guidance accessible from anywhere at any time. This easy-to-use digital platform allows you to collaborate better with your financial professional. Now you can see all your finances in one place. Set goals and measure progress. All without ever leaving your keyboard or mobile device.

A Digital Foundation For Your Goals With AdviceWorks you can also create and edit your financial goals and priorities. Track your progress with them. Work to build wealth through data and guidance. And do it all over a cup of coffee at home or on the go.

See Your Bigger Financial Picture By linking your investment and bank accounts, mortgage, real estate and other assets and liabilities, AdviceWorks offers a holistic view of your entire financial situation and makes it easier for you to organize your finances. 

Your Virtual Safe Deposit Box AdviceWorks is also a secure virtual vault for your personal documents and confidential information.  Best of all you can remote access it any time of the day or night from anywhere. 

Convenience With Security AdviceWorks lets you securely share documents with your financial professional at your discretion, which means goodbye to cumbersome emails, faxes and postage.

Click Here to preview AdviceWorks. 

   Request Information

Check the background of this investment professional on FINRA’s BrokerCheck

Located at: 2915 Second Street S. St Cloud MN 56301

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services. 

Click here to view Cetera Investment Services Privacy Policy, other Important Information and Business Continuity Plan.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at

At times, we may provide links to sites outside the control of our institution. We do not make any representations concerning the linked sites' contents or availability. You should review each site's privacy and information security policies carefully before you enter confidential information.

Investment, Insurance and Advisory Products and Services, and Foreign Exchange Transactions, are Not FDIC Insured or Insured by Any Federal Government Agency, Not a Deposit, Not Bank Guaranteed and May Lose Value.