Take Control of Your Financial Future. Our MASTERPLAN® approach puts you on the path to your financial goals. Meticulous wealth management since 1948.

Take the first step for your financial future.

Meet with a Hefren-Tillotson advisor to design an investment plan that fits your needs and achieves your goals.



We learn about you and help gather documents.

Getting to know you is one of the most important steps in the MASTERPLAN financial planning process. Your beliefs about life, your ideas about money and your personal values will shape the plan we ultimately create for you.



Set your goals, priorities, and risk tolerance.

By looking at your unique situation and asking the right questions, we’ll begin to envision the financial plan that best suits your short- and long-term needs.



A written personal financial plan

Your plan will be as unique as your fingerprint. You’ll receive it in writing and rest assured, as a privately-held firm, we’ve chosen from among the best world-class money managers and securities without the conflicts of interest or restrictions involved with the proprietary products you’ll find at other financial planning firms.



Plan and adjust as situations change

Now we put it into action, taking care to be completely objective in managing your investments. Because the MASTERPLAN financial planning process is a personal investment in who you are as an investor and as a person, it’s likely to evolve with you, and as new considerations arise. That’s the power of the MASTERPLAN approach.

Masterplan 101

Get educated on your investments

MASTERPLAN 101 will acquaint you with the basics of the investment world. Each month, a new lesson will be released featuring the most commonly used financial topics and themes. Available at no-cost and no-obligation.

Lesson 10

Millennials & Money: By the Numbers

Masterplan 101

Like the Baby Boomer generation – born in the years 1946 to 1964 –the Millennials are proving to be an endless source of fascination for researchers and the media.…
Lesson 9

Life Insurance – Getting It and Getting It Right!

Masterplan 101

Just how important is insurance in your personal world? Buy a car – you buy auto insurance. Buy a house – you buy homeowners’ insurance. Rent an apartment –…
Lesson 8

Retirement – America’s #1 Financial Priority

Masterplan 101

It seems to be agreed on: Americans have retirement on their mind. For that matter, it’s their leading financial goal, according to a recent survey. At the same time,…
Lesson 7

Estate Planning: Essential Estate-Planning Documents

Masterplan 101

A recent study found that only 40 percent of American adults have a will. A will is frequently described as “the cornerstone” and “the foundation” of an estate plan. It’s always…
Lesson 6

College Funding – The HIGH Cost of HIGHER Education

Masterplan 101

Getting into college. Getting through college. And always looming large: How to pay for college?? Understandable.College tuitions increase at a greater rate than general inflation.
Lesson 5

Women & Money: By the Numbers

Masterplan 101

On average, women live longer than men, but save less for those years. This is an imbalance that women need to be aware of and must work to correct.…
Lesson 4

401(k): The Leading Force in Retirement Plans

Masterplan 101

In less than 40 years, 401(k) plans have grown to be the primary vehicle for American workers at any point on the road to retirement. In fact, at the…
Lesson 3

Individual Retirement Account: The name says it all

Masterplan 101

$9.2 trillion of assets were in IRAs at the close of 2017. Nearly 44 million U.S. households invest for their futures using IRAs. More than 80% of those same…
Lesson 2

Mutual Funds: An Investor Favorite

Masterplan 101

In 1924, the first modern mutual fund stepped onto the financial scene. In one year, its assets grew from $50,000 to $392,000. By the start of 2018, 9,886 U.S.…
Lesson 1

Stocks, Bonds, Cash: The Basic Asset Classes

Masterplan 101

What’s your most important financial goal – the one you think about the most? A comfortable retirement? Pick up a financial magazine, and you’ll find most articles and ads…
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