Mutual Funds




For Individuals and Families,

We recognize that each investor has unique concerns and distinct goals. No matter your level of familiarity with finance, we take pride in educating our clients on how to be the best consumer they can be. 

Our process begins with taking inventory of your current finances and listening to your goals. Some of the major facets that we discuss are below.


how to target asset growth

Retirement Planning:

how to plan distribution of your assets in a tax-advantaged way

Estate Planning:

how to preserve your assets

Risk Management:

how to protect your assets


how to minimize your tax burden

This communication is strictly intended for individuals residing in the states of AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KY, LA, MD, ME, MI, MN, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TX, VA, WA, WV. No offers may be made outside these states due to various state regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank or financial institution, and are subject to risks, including possible loss of the principal invested. Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser.

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Stern & Heatwole Financial Group    305 Lucy Drive, Harrisonburg, VA 22801      |      Phone: 540-438-0547      |      Fax: 540-438-5647