Heritage Financial is celebrating 30 years of helping clients build, protect, and enjoy their wealth. To mark this milestone, CEO Sammy Azzouz sat down with some of our seasoned financial advisors to share their favorite pieces of investing wisdom — the kind of timeless advice that can guide you through decades of market cycles and through life itself.

Whether you’re just starting your investment journey or a seasoned investor, you’ll walk away with practical insights and enduring principles you can rely on for years to come.

Send your questions to [email protected]



And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

2025 has been a strong year for investors, and the third quarter kept that momentum going. Markets are viewing things through rose-colored glasses, pricing in plenty of good news—but risks remain.

Heritage Financial’s CIO, Bob Weisse, joins CEO, Sammy Azzouz, to break down what’s fueling today’s market strength and what could challenge it. They discuss why investors shouldn’t ignore lingering risks like the ongoing government shutdown, which—if prolonged—could start to weigh on the economy.

They also explore why investors should be cautious about chasing yield in the bond market, even amid strong performance, and share insights on today’s “gold rush,” including ways to gain exposure without buying the metal itself.

Finally, as a preview of our next episode, Bob closes by sharing one of his favorite pieces of timeless investment wisdom.

Send your questions to [email protected]

And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Ken Shinoda, Portfolio Manager at DoubleLine Capital, returns to Wealthy Behavior to share his perspective on the current state of the bond market, today’s economy, and the outlook for mortgages. In this episode, he discusses:

• Key risks facing the bond market
• The Fed’s independence and policy expectations
• The weakening dollar and its impact on bonds
• The rapid expansion of private credit
• What really drives mortgage rates—and what the new “normal” might look like

Visit us at www.heritagefinancial.net. Send your questions to [email protected],

And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

It’s been a strong year for the markets—but the ride hasn’t been smooth. Yields continue to be pulled in opposite directions: lower on expectations of rate cuts, but higher on concerns about sticky inflation, labor market weakness, and elevated Treasury debt levels.

In this episode of Wealthy Behavior, Heritage Financial’s CIO Bob Weisse joins CEO Sammy Azzouz to discuss the current state of the markets and economy, including:

• Key takeaways from Jerome Powell’s Jackson Hole speech
• Goldman Sachs’ recent research on U.S. fiscal worries: “Is This Time Different?”
• A reminder of true Wealthy Behavior: after a strong run in stocks, don’t let the tax tail wag the dog
• What investors should be watching for in the months ahead
• Portfolio moves our investment team made to help manage today’s risks

Visit us at www.heritagefinancial.net. Send your questions to [email protected],

And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Markets remain near all-time highs, and investor sentiment is strong — but a softer July jobs report, along with downward revisions to prior months, points to a cooling labor market.

Heritage Financial CIO, Bob Weisse, joins CEO, Sammy Azzouz, to discuss what this means for the Fed, the economy, and investors. They also break down key valuation metrics (CAPE vs. PE ratios), share views on market efficiency, and examine the potential impact of new tariffs.

Tune in for timely insights on markets, economic data, and how they’re influencing portfolio strategy today.



• Send your questions to [email protected],
• Visit us at www.heritagefinancial.net.
• And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

In this episode, Ed Jastrem, Heritage Financial's Chief Planning Officer, joins Sammy Azzouz to break down the One Big Beautiful Bill Act (OBBBA) and what it means for your financial future. They discuss what’s changing, what’s staying the same, and how individuals and business owners can make the most of planning opportunities.

Topics include:

• Key changes taking effect in 2025 vs. 2026
• Misconceptions around Social Security and taxation
• Expiring and new tax credits
• Why 529 plans just got more attractive
• Charitable giving opportunities
• Business owner provisions, including depreciation and capital expenses
• What actions to take before the end of 2025 to avoid surprises at tax time
• How scenario planning helps clients stay ahead

Whether you're planning for retirement, running a business, or just want to avoid surprises at tax time, this episode is packed with insights.

• Send your questions to [email protected],
• Visit us at www.heritagefinancial.net.
• And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Markets continued their upward trend in June, reflecting investor resilience despite ongoing global uncertainty.

In this episode, Bob Weisse, Heritage Financial's CIO, joins Sammy Azzouz, CEO, to explore what’s driving strong market performance, offering historical context and some investment opportunities.

He also discusses how the investment landscape has evolved—many products once reserved for institutions, such as interval funds, are now more accessible to individual investors.

Bob shares his framework for evaluating alternative investments, often called the “third pillar” of investing. But is diversification alone enough to justify their place in a portfolio? He breaks down the wide range of strategies, fee structures, and market exposures to consider.

Plus, we answer a listener question: Why aren’t we investing in gold right now?

• Send your questions to [email protected],
• Visit us at www.heritagefinancial.net.
• And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

You can have a solid financial plan and a great estate plan—but if they aren’t aligned, neither may work as intended. Liz Meyer, JD, Heritage Financial’s Estate Planning Specialist, shares strategies to strengthen your estate plan, common mistakes, and answers the questions she hears most often.

We cover:

• Why estate planning matters—both during your life and after
• Key estate planning documents
• How beneficiary designations interact with your estate plan and can override your intentions
• What is included in your taxable estate and ways to help reduce estate taxes
• The annual gift exclusion—how it works and why it matters
• What to know if you own property in multiple states
• How transparent you should be with your children and family

Don’t wait to protect what you’ve worked so hard for—your family, your future, and your peace of mind.

• Send your questions to [email protected],
• Visit us at www.heritagefinancial.net.
• And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Despite unsettling headlines and ongoing market volatility, both stocks and bonds are in positive territory year-to-date—led by international markets outpacing the U.S. Since April’s dip, markets have rebounded, giving investors a second chance to reassess their portfolios, consider global diversification, and revisit their risk tolerance. In this episode, Sammy and Bob break down what’s driving the markets and dive into:

• Why the growing U.S. budget deficit matters to bond investors
• The role of real assets in a diversified portfolio
• A new opportunity our team is analyzing in foreign bonds

Send your questions to [email protected]



And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Barry Ritholtz — Co-founder, Chairman, and Chief Investment Officer of Ritholtz Wealth Management, and host of the Masters in Business podcast — joins Sammy to discuss his new book, “How Not To Invest: The ideas, numbers, and behaviors that destroy wealth – and how to avoid them”.

Barry blends behavioral finance with data analysis to uncover some of the most common (and costly) investing mistakes — and how to steer clear of them. Tune in for actionable takeaways on failing better, managing market noise, and navigating the world of financial “experts.”

Plus, Barry explains why the childhood advice “Don’t take candy from strangers” also holds true for grown-up investors.

Send questions to [email protected] and don’t forget to rate the show!

And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.