Heritage Financial North
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Guiding Your Financial Future

A Personalized Path to Help You Create Lasting Wealth

Money is like a river running through our lives, touching and impacting most things we do. Our comprehensive planning process goes way beyond portfolio management.

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Lars Larsen

Lars Larsen

ChFC®  |  President  |  Private Wealth Advisor

Since 2003, Lars has been committed to providing a personalized, caring approach — providing services designed to help provide stability, promote financial well-being and protect your legacy.

Published Author in Kiplinger

Comprehensive
Wealth Plan

Tax Planning
Social Security
Medicare
Estate & Legacy
Retirement
Investments

Comprehensive Planning

Do You Have a Comprehensive Wealth Management Plan?

Our planning process covers Tax Planning, Social Security & Medicare, Retirement Planning, Estate & Legacy, and much more — all coordinated around your goals.

Since 2003 Personalized wealth guidance
Independent No product quotas
Holistic Beyond portfolio management

How We Work

Our Five-Step Process

We present our clients with a carefully constructed, custom road map for the future — and continue to provide ongoing advice and guidance.

1

Discovery

Understanding your goals and concerns

2

Analyze

Assessing your current financial picture

3

Cultivate a Plan

Building a comprehensive strategy

4

Execute

Implementing with clarity and support

5

Monitor & Review

Adapting as your life evolves

Discovery

What's your goal? What are your concerns? Where do you want to go? These are the important questions we start with. Understanding your vision is the foundation of everything we build together.

Analyze

Where are you now? Once we know where you are in your financial life, we can begin to design a road map to help you get where you want to go. We look at every dimension — income, assets, tax exposure, risk, and legacy goals.

Cultivate a Plan

How do we use what we know to build a plan? We provide the pros and cons for each scenario to help you make a comprehensive wealth management plan, and we continue to cultivate your plan until it is the right fit for your needs and wants.

Execute

Making changes in life can seem overwhelming. We are here to make the process simple, and to help you stay on track to meet your financial goals. Every step is coordinated and clearly communicated.

Monitor & Review

Is the plan continuing to work? Change is constant. As life evolves, so might your needs. Our team will work with you to update your plan as needed, to analyze new information, and to make sure you're happy with the services and strategies we provide.

Retirement Planning

Retirement Income Planning

Do you feel confident you won't outlive your savings?

After looking at your unique financial situation, we'll design a retirement plan that helps you create an income you can't outlive. Our income planning process is designed to help:

Maximize the value of your assets to protect your family

Preserve your legacy for beneficiaries

Create an income stream designed to last a lifetime

Your Retirement Income Picture

Foundation
Guaranteed Income
Growth Opportunity & Flexibility
Optimized Strategy

"We present our clients with a carefully constructed, custom road map for the future."

Our Standard

Wealth Management With Your Best Interest at Heart

Nothing can protect an individual completely from market volatility, but we align our clients' portfolios with their risk tolerances, timelines, and goals to help ensure comfort with every decision.

Independent & Family-Owned

No product quotas or pressure from Wall Street. Our sole concern is doing what we believe is right for you and your family.

Independent Standard

As an investment advisor representation and ChFC designee, Lars provides objective advice — always putting clients' interests first.

Ongoing Partnership

We continue to provide ongoing advice and guidance to assist our clients through every stage of retirement and beyond.

Larsen Family

We Treat Clients
Like Family

We are an independent family-owned business with no product quotas or pressure from Wall Street. Our sole concern is doing what we believe is right for you.

— The Larsen Family

Take the First Step

Ready to Build Your
Financial Road Map?

Let's start with a conversation about where you are, where you want to go, and how we can help you get there.

Call 650.579.5575 →
Toll-Free: 888.579.0429 Schedule a Free Review 1700 S El Camino Real, Ste. 375, San Mateo, CA 94402
Call Us Toll Free 888 579 0429
​
1700 S El Camino Real, Suite 375, San Mateo CA 94402

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© 2025 Heritage Financial North | Advisory Services Offered Through CreativeOne Wealth, LLC  a Registered Investment Advisor.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Availability of benefits and plans varies by carrier and location. Deductibles, copays and coinsurance may apply. Plans purchased after initial enrollment period are subject to eligibility requirements. We are not affiliated with Medicare or any other government agency. By contacting us, you will be connected with a licensed insurance agent.

​ Heritage Financial North, Heritage Financial North Insurance Services  and CreativeOne Wealth, LLC are not affiliated. |  CA Insurance License # 0E02803

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  • Home
  • About us
  • Services
  • Contact
  • No-Cost Review
  • Client Portal