Helping You Protect, Grow, and Optimize Your Wealth
Take Control of Your Financial Future
Planning for your financial future shouldn’t be overwhelming. We help you protect and grow your wealth with tax-free retirement accounts, loss-proof investments, and life insurance with living benefits so you can retire with confidence. Our strategies eliminate market risk and optimize your finances, often without increasing your monthly expenses. Start securing your future today.
Meet Andrew Dalager
Andrew is the owner and lead broker of Heritage Financial with nearly nine years in the financial services sector. Growing up in a working-class family, he was always curious about how wealthy people played the money game and how he could help others do the same.
His mission is to simplify complex financial concepts so that people feel encouraged and empowered, rather than stressed and overwhelmed. Andrew believes that when money is no longer a daily worry and wealth is growing on autopilot, people can focus on what truly matters: family, passions, and the things that bring them joy.
A father of three, he also serves on Lawrence’s Affordable Housing Advisory Board and enjoys experimenting in the kitchen, playing poker (despite not being great at it), and crafting the perfect cocktail.
Core Values
Integrity
Simplicity
Service
Leadership
A Commitment to Integrity in Every Step
We believe in offering financial solutions that are transparent, honest, and in the best interest of our clients. Our approach is built on trust, ensuring that you feel confident and informed every step of the way.
Making Complex Financial Concepts Simple
Complex financial concepts should be accessible to everyone. Our goal is to break down the barriers to understanding, so you can make informed decisions without feeling overwhelmed or confused.
Exceptional Service Every Step of the Way
We put our clients’ needs first. From personalized consultations to ongoing support, we’re here to ensure that your financial journey is smooth, stress-free, and tailored to your unique goals. Your success is our number one priority, and we’re committed to being there every step of the way.
Leading with Purpose and Experience
Our team is dedicated to helping clients achieve financial freedom. We lead with purpose, focusing on empowering you to take control of your financial future. Through thoughtful guidance and personalized solutions, we aim to create a lasting impact for those we serve.
Services
Tax free retirement
We help you understand, enroll in, and fund products that grow alongside the stock market, but without the risk of loss. These accounts offer tax-free withdrawals and no required age to begin accessing your funds, providing peace of mind and financial flexibility for a worry-free retirement.
Loss Proof 401k rollovers
For those nearing retirement, protecting your savings from market dips is essential. By rolling over your 401(k) into a secure vehicle that guarantees no loss of principal, you can ensure your nest egg is shielded from volatility. This strategy enables your money to grow with the stock market and protects you from ever losing a cent. You can begin drawing on your money at any point with an option to turn it into guaranteed monthly income for life.
Life insurance with living benefits
Traditional life insurance is often focused on death benefits, but what if the real need comes while you’re still alive? In the U.S., people are eight times more likely to face a critical, terminal, or chronic illness than to die early, often leading to overwhelming medical debt. Life insurance with living benefits provides up to 90% of the payout if diagnosed with a serious illness. This helps cover treatment costs and allows you to focus on spending time with loved ones or getting your affairs in order, rather than worrying about medical debt.
refinance your finances
We help clients optimize their finances by taking a deep dive into their current spending habits. By identifying areas where money is being underutilized or spent inefficiently, we can create opportunities for significant savings. In fact, 80% of our clients are able to start investing with us without increasing their monthly expenses. This approach ensures that you can make the most of your existing budget while building a secure financial future.
Solutions for a Smarter Future.
Phone Number
(785) 766-1688
Empowering Your Financial Journey
Financial security starts with the right strategy. We’re committed to helping you protect your wealth, minimize risk, and create a future you can count on. With smart, tax-efficient solutions and personalized guidance, we make it easier to achieve long-term financial confidence. Take the next step toward a stronger financial future today.