Paul J. Higgins

HERITAGE FINANCIAL SERVICES

Westwood, MA 02090

Some features on this profile are disabled

CRD#: 1906587

Professional summary

Paul Joseph Higgins, CFP®, ChFC®, CLU® is a registered financial advisor currently at HERITAGE FINANCIAL SERVICES located in Westwood, Massachusetts.

Paul is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1989. Paul has worked at 8 firms and has passed the Series 63, SIE, Series 6 and Series 26 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1) Independent Insurance Representative at HIGHLAND CAPITAL BROKERAGE, located at 3 Allied Drive, Dedham, MA, 02026 non-investment related. The nature of the Outside Business Activity (OBA) is fixed life insurance. 2 hours/month is devoted to this business.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Paul Joseph Higgins's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 1996

ChFC^®

Chartered Financial Consultant

CLU^®

Chartered Life Underwriter

Experience

Current

October 24, 2017 - Present

HERITAGE FINANCIAL SERVICES

Office #1: 100 Lowder Brook Drive Suite 1000, Westwood, MA 02090

RIA

CRD#: 127268

Westwood, MA

Past

January 5, 2016 - October 9, 2017

INVESTACORP, INC.

CRD#: 7684

DEDHAM, MA

Past

May 9, 2006 - December 31, 2015

KESTRA INVESTMENT SERVICES, LLC

CRD#: 42046

NEEDHAM, MA

Past

April 23, 2004 - March 22, 2006

TOWER SQUARE SECURITIES, INC.

CRD#: 833

EL SEGUNDO, CA

Past

February 14, 2002 - March 31, 2003

SIGNATOR INVESTORS, INC.

CRD#: 468

BOSTON, MA

Past

July 25, 2001 - October 1, 2001

PINEBRIDGE SECURITIES LLC

CRD#: 5967

NEW YORK, NY

Past

November 7, 1994 - June 20, 2001

SUN LIFE FINANCIAL DISTRIBUTORS, INC.

CRD#: 5496

WELLESLEY HILLS, MA

Past

January 19, 1989 - December 18, 1991

HORNOR, TOWNSEND & KENT, LLC

CRD#: 4031

CONSHOHOCKEN, PA

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

HERITAGE FINANCIAL SERVICES

HERITAGE FINANCIAL GROUP | HERITAGE INSURANCE BROKERAGE, INC. | HERITAGE FINANCIAL SERVICES, LLC | HERITAGE FINANCIAL SERVICES, INC. | HERITAGE FINANCIAL SERVICES

CRD#: 127268 / SEC#: 801-64494

RIA

Registered Investment Advisory firm - (7/19/2005 Approved)

Massachusetts

Registered Investment Advisory firm - (10/18/2005 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Massachusetts
(10/24/2017)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

Series 63

Date: 12/29/1994

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/9/2017

Securities Industry Essentials Examination

General Industry/Product Exam

Series 6

Date: 11/4/1994

Investment Company Products/Variable Contracts Representative Examination

Principal/Supervisory Exam

Series 26

Date: 4/4/2005

Investment Company Products/Variable Contracts Principal Examination

Current Firm

HERITAGE FINANCIAL SERVICES

HERITAGE FINANCIAL GROUP | HERITAGE INSURANCE BROKERAGE, INC. | HERITAGE FINANCIAL SERVICES, LLC | HERITAGE FINANCIAL SERVICES, INC. | HERITAGE FINANCIAL SERVICES

CRD#: 127268 / SEC#: 801-64494

RIA

Registered Investment Advisory firm - (7/19/2005 Approved)

Massachusetts

Registered Investment Advisory firm - (10/18/2005 Terminated)

Upgrade to AdvisorCheck Premium

Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.

Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.

See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.

Contact information

Main Address

100 Lowder Brook Drive Suite 1000, Westwood, MA 02090

Mailing Address

Phone number

(781) 255-0214

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (19 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

HERITAGE FINANCIAL SERVICES, LLC ADV PART 2A (7/10/2025)

Regulatory assets under management

Total Number of Accounts	6,481
AUM (Assets Under Management)	$ 2,989,626,797

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
08/27/2024	Cover Page	Report
03/07/2024	Cover Page	Report
04/18/2023	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

Similar Advisors

Stephen Zahka

EDWARD JONES

IAR

Marlborough, MA

Tamara Rose

STATE STREET GLOBAL ADVISORS FUNDS DISTRIBUTORS, LLC

BOSTON, MA

We're Here To Help

Advisor Monitoring

Firm Stability Insights

Paul J. Higgins

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Paul Joseph Higgins's CRS (Customer Relationship Summary).

Certified licenses

Experience

INVESTACORP, INC.

KESTRA INVESTMENT SERVICES, LLC

TOWER SQUARE SECURITIES, INC.

SIGNATOR INVESTORS, INC.

PINEBRIDGE SECURITIES LLC

SUN LIFE FINANCIAL DISTRIBUTORS, INC.

HORNOR, TOWNSEND & KENT, LLC

Primary Firm SEC Registration

HERITAGE FINANCIAL SERVICES

State Registrations and Notice Filings

Exams

Series 63

Date: 12/29/1994

SIE

Date: 10/9/2017

Series 6

Date: 11/4/1994

Series 26

Date: 4/4/2005

Current Firm

HERITAGE FINANCIAL SERVICES

Contact information

SEC notice filing (19 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

HERITAGE FINANCIAL SERVICES

TRUST BUT VERIFY

Similar Advisors