Why I Became a Financial Advisor
I have always been fascinated by and curious about wealth. More importantly, how to sustain it. That curiosity sparked my interest in developing a deep understanding of the constantly changing rules that affect money.
I’ve devoted my professional career to learning these rules and building the appropriate multidisciplinary advisory teams (tax, legal and financial professionals) to help clients make smart financial decisions. After all, the goal is to live a fulfilling life with peace of mind and figure out how to make your money last longer than you do!
What are your biggest financial concerns and questions? We help you take the guesswork out of the many alternatives available to you so you can make the right choices. We have answers for you based on input from a deep bench of highly credentialed colleagues.
Having trained many financial advisors throughout my career, I have found that the best approach is to engage a diverse team of financial specialists working together on your behalf. No one advisor has all the answers, in every discipline, that will affect your financial future.
You will only live one financial life! We have wisdom gained from decades of experience and put your interests first. We have much to share from the insights we have gained over the years. Even world-class Olympic athletes have coaches!
Accept that you can’t control the economy, periodic market declines or health issues that may arise but you can still plan wisely.
Advisor and Mentor
As one of Forum’s original founding partners, I am grateful for a long and fulfilling career. In addition to being an experienced personal financial advisor to many wealthy individuals and families, I have had the privilege of being a mentor to hundreds of other advisors over the years. When my son Rhys approached me about becoming a financial advisor, I knew immediately he would be a great addition to the team of advisors I currently work with. Rhys’s care for others, his skill in finding out what matters most to people and dedication to our clients’ financial future stand out as great character attributes.
My team and I start by clarifying realistic goals and helping to define preferred outcomes. Among them are tax-advantageous ways to accumulate wealth, when to retire or sell a business, how and when to switch from investing for accumulation to sustainable distribution, determining from which various accounts and sources to take income and identifying an optimum Social Security claiming strategy. Understanding the interplay between tax, legal and financial decisions are important pieces of this puzzle. The end result: We help clients with the major financial decisions in their lives so they can achieve peace of mind.
Marcus Heinrich, CFP® is an experienced wealth manager. His clients include business owners, successful professionals, corporate executives and physicians. Marcus also works with individuals in financial transition, particularly those contemplating retirement, the sale of a business or experiencing the loss of a loved one. His guidance helps his clients clarify realistic goals and make sound financial decisions. He has been instrumental in the consistent growth of the firm’s national clientele including recruiting new advisors to the organization.
Over his career of more than 35 years, he has served as mentor to hundreds of other financial advisors. Marcus was one of the original principals of The Terra Financial Companies and helped grow the original six-person business into a national, multidisciplinary, financial services organization.
Marcus is a CERTIFIED FINANCIAL PLANNER™ professional. Marcus received a bachelor’s degree in engineering from the University of Illinois in Urbana.
When he is not at the office, he enjoys hiking, spending time with his wife, Anita, and playing with his four grandchildren. Marcus is also involved with several charitable organizations.
FORUM ARTICLES & INSIGHTS
A PERSONAL APPROACH
Tell Us About Your Financial Life and Aspirations
Your experience begins with an initial meeting to identify your financial vision for the future and risk tolerance levels. We review our investment philosophy and approach with you so that you fully understand each milestone of our process and how our relationship will evolve over time.
Discuss Topics Crucial to Your Financial Success
Over the course of the next few meetings, the content and breadth of each meeting is defined by your personal needs. We can review your estate planning and risk management needs, discuss retirement accumulation or distribution planning, evaluate educational funding needs, review your tax situation, and go over any other items crucial to your financial success.
Develop a Strategic Plan Unique to You
Once you select an allocation, we put together a strategic implementation plan that will coordinate investment of your portfolio between qualified (tax-advantaged) assets and non-qualified assets in order to maximize tax efficiency. The topics we address during our time with you vary depending on your unique needs and situation.
Putting Your Plan Into Action
We establish your Forum account based on the portfolio allocation we discussed and what we learned about your risk tolerance and financial goals. With your new Forum account now in place, you will have the opportunity to access your Forum Client Portal for the first time and connect with members of the Forum Client Service team.
Review Goals and Plans When Your Life Changes
You will receive reporting that will clearly show your performance net of all fees and compared to applicable market indexes. Additionally your assets are held at a reputable third-party custodian that furnishes independent monthly reports so you can feel confident about the safe handling of your money.