“Foresight is not about predicting the future, it’s about minimizing surprise.”

Heritage Update

Hindsight is 20/20

Although a sound understanding of past events can help us make informed decisions about the future, the clarity of hindsight is of little use when it comes to predicting the future movements of stock markets. If one were to possess the foresight to see into the future, the potential for investment gain would be limitless. Since no such divine power exists, the best mechanism we can use to determine the expected financial future is the market itself. For more on the predictive power of the stock market, see our article “Investing with the Modern Prometheus.”

Giving Back to Local Communities

Heritage is proud to give back to our local communities. Earlier this year, we supported a Drive-In Bingo at St. Jude School and the Kart 4 Kids fundraiser to benefit Johns Hopkins All Children’s Hospital. We will also be sponsoring the Nova Southeastern University Scholarship Fishing Tournament in June. Participating in these fundraisers allows us to support local communities at multiple levels of education and healthcare.

Time to Pay the Piper

This is the time of the year to get our tax ducks in a row. Whether your tax situation is complex or straightforward, getting the details right is important. If you want professional help and do not already have a competent tax professional in your corner, please let us know and we will help you identify someone that will be a good fit for your situation.

Employee Profile

Melissa F. Garcia, CFP®

Melissa F. Garcia, CFP®

Trading and Operations Associate

Melissa joined Heritage in 2014 as a member of the Trading and Operations teams. Most recently, Melissa obtained her Certified Financial Planner™ certification in 2021. She continues to bring her diverse skill set and knowledge base to the Heritage team to support our clients. In her free time, you can find Melissa eagerly cheering on her beloved Florida Gators.