Learn About Our Process
We Treat Our Clients Like Family
As a family owned business serving the Bay Area since 2003, we’re dedicated to providing peace of mind, promoting your financial
well-being and protecting your legacy.
We believe your financial plans should include ALL areas of your life!
Today's seniors and future retirees face many financial challenges.
At Heritage Financial North, we are committed to helping you overcome these challenges by offering comprehensive, personalized strategies to successfully protect and grow the financial resources you have spent your lifetime building.
Navigating towards and through the retirement years
can be a complex and confusing matter.
We help make the complex simple.
Our mission is to exceed your highest expectations through a dedicated team of professionals who proudly stand by our principal of integrity,
service and knowledge.
We are an independent financial advisory practice. That means we work for our clients, not for an investment or insurance company.
We wouldn’t have it any other way, because in our opinion there is no such thing as a one size fits all solution.
As an independent practice, we are not tied to using any one investment company or investment product. We have no product quotas or conflicting bonus incentives. This gives us the freedom and flexibility to identify the solution we believe will be the most suitable fit for each unique, individual situation.
We wouldn’t have it any other way, because in our opinion there is no such thing as a one size fits all solution.
As an independent practice, we are not tied to using any one investment company or investment product. We have no product quotas or conflicting bonus incentives. This gives us the freedom and flexibility to identify the solution we believe will be the most suitable fit for each unique, individual situation.
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MEET THE TEAM
Lars Larsen ChFC®
President, Private Wealth Advisor Since 2003, Lars has been committed to providing a personalized, caring approach with his clients, providing stability, promoting financial well-being and protecting their legacies. As a Financial Planner and Investment Advisor, Lars is an investment fiduciary providing objective advice, always putting his clients interest first. Born in Denmark, Lars applies a blend of the best of Scandinavian and American values when it comes to his marriage to Jamie, raising his son Daniel and daughter Bella, as well as managing his business. Being raised in a highly taxed country with a social safety net, he realized early on the concerns of so many Americans regarding their retirement income. This helped shape the focus and philosophy of Heritage Financial North. His approach to planning is from a holistic perspective, which includes wealth management, retirement & tax planning, portfolio management, legacy & long-term care planning. Outside of the office, Lars enjoys hiking with the family, running, mountain biking and spent many years practicing Japanese Jujitsu where he holds a black belt. The qualities of respect, discipline and integrity have greatly influenced Lars’ life, including his views on financial matters. In Jujitsu, one trains to be prepared for an opponents every move and learns to use them to one’s advantage. Same goes for our financial lives: We cannot predict the future, but we can plan so we’re prepared for the surprises life - and the economy - might present. Lars has completed the Chartered Financial Consultant education at the American College of Financial Services, the Certified Financial Planner education at Bryant University and holds the ChFC®️ designation. He also holds a Certificate in Blockchain and Digital Assets® by the Digital Assets Council of Financial Professionals and New York Institute of Finance. Lars holds the Series 65 “Uniform Investment Advisor Law”, he is a Registered Investment Advisor Representative and a Fiduciary. Lars is also licensed to assist clients with insurance planning as a licensed insurance professional. |
Jamie Cabrera
Vice President Jamie co-founded Heritage Financial North and has been in the financial industry since 2004. She was born in Chile and as the daughter of aging immigrant parents. She has experienced firsthand the detriment of having parents who did not plan for their retirement and the financial pressure it creates for the adult children. Her own personal experience is why she is so committed to assisting families put their retirement, Medicare, long-term care, financial and estate plan in place BEFORE it is needed. For more than a decade Jamie has assisted clients when it comes to navigating the complex world of several government benefits. As a Medicare Specialist and broker, she offers independent and unbiased guidance through educational workshops and one on one counseling at no cost. Jamie is certified with all of the insurance carriers for Medicare Supplement, Medicare Advantage and Prescription Drug plans for the state of California. She has a great passion for helping to establish security and stability for her clients in these challenging times. She is very compassionate to the difficulties of aging without knowing how you will be able to retire with peace of mind. As a member of the “sandwich generation” she truly understands what it is like to juggle work, marriage, plan for retirement all the while raising children AND financially assisting her parents who are both suffering with Dementia. Her compassion translates into the relationship with her clients and treats them like an extension of her own family. |
Lisa Clarke
Lisa joined Heritage Financial North in 2007 and is assisting families in the greater South Bay Area. For the last decade, Lisa has devoted her professional career to helping individuals and their families realize their retirement needs and financial goals. Lisa is a California native, born in Salinas and resides in Scotts Valley. Lisa graduated from Golden Gate University with a major in Business Management and prior to joining Heritage Financial Lisa worked in corporate America including companies such as Hewlett Packard. Lisa’s passion for family shines through in everything she does. Her son Nick proudly works for the 49’ers and her daughter Haley is top of her class academically. In Lisa’s professional life, she seeks out strategies to ensure her clients and their families thrive financially and preserve a legacy for their loved ones. “The favorite part of my job is getting a chance to learn where my clients started their journey, where they are today, and helping shape a safe and secure future that ultimately accomplishes as much as they possibly can. Using powerful and sophisticated financial tools and strategies helps to meet the objectives of my clients”. Lisa is proud to be a member of the American Academy of Benefit Planners |