Our Company

Our Company

Heritage Financial Services, LLC

Stew and Steve became the founding partners of Heritage Financial Services, LLC, in 2003, to focus on offering personalized financial plans specifically tailored to each client. Their independent approach allows them to draw on years of experience and a broad spectrum of investment choices to customize their planning. As a result, they are able to extend their expertise to new generations while their clients leave a heritage to be proud of.

Heritage Financial Services, LLC, has grown exclusively by word-of-mouth and recommendations from existing clients into a company that manages approximately $300 million dollars in assets. Stew and Steve's success is a result of their unique approach to financial planning and their diverse history in the financial industry. They are experienced in money management, insurance, financial planning and consulting, retirement plan development, and estate preservation and transfer. They are independent and without proprietary alliances, giving them freedom to choose between a vast array of products and offer consultation without charge to determine where their services are needed.

Stewart R. Moscov

CLU, ChFC

Stew has more than 48 years of investment management, insurance, and financial services experience in the Rochester area. As a trusted advisor to many individuals and companies throughout the local area and country, Stew is one of the primary strategists for Heritage Financial Services. A father of two children and five grandchildren, Stew keenly understands and appreciates the importance of family and planning for ones future. In his free time, he enjoys weekends in the Thousand Islands fishing, golfing, skiing, and spending time with his family. In addition, Stewart has opened a Southern office in Bonita Springs, Florida, just north of Naples, Florida, during the winter months to better serve our Southern clients.

Accolades:

  • BS in Business Administration, Bryant Univerisity
  • Chartered Financial Consultant® (ChFC®), The American College
  • Chartered Life Underwriter® (CLU®), The American College
  • Past president of the Estate Planning Council of Rochester
  • Past president of  the Rochester Life Underwriters, and the Rachel May Swaim Award recipient, the highest honor given by the Rochester branch of the  National Association of Insurance & Financial Advisors
  • Past industry instructor for insurance and financial services
  • 14-year member of the New York State Life Underwriters Board of Directors
  • Life and Qualifying member of the Million Dollar Round Table, with more than 40 consecutive years of membership and Court of the Table awards in 2005 and 2006*
  • Several charitable advisory boards and committees

*Million  Dollar RoundTable Membership inclusion is based upon eligible commissions from fixed/variable products, eligible premiums or annual gross income. Top of the Table qualifies have reached at minimum: $558k in commission, $960k income and $1.116 mil premium.  For more information, please visit www.mdrt.org

Steven J. Kane

CFP®, MBA, AIF®

Steve's experience in the financial services industry began in 1997, after completing his MBA at the Rochester Institute of Technology. He became a CERTIFIED FINANCIAL PLANNERTM practitioner in 2000 and has experience in estate planning and employee benefit consulting, as well as an extensive history in insurance, investments, 401(k) plan administration, compliance, and financial planning. Steve became an Accredited Investment Fiduciary® (AIF®) in 2011, has been a member of the Financial Planning Association (FPA) of Western New York, and is the supervising principal for the branch. Steve is an avid cyclist, spending a lot of his free time either road or mountain biking, as well as using his cycling to raise money for a variety of charities over the years. He has two teenage children who also keep him busy. He loves to travel, having been to all 50 states, and five of the seven continents. 

Accolades:

  • CERTIFIED FINANCIAL PLANNERTM (CFP®)
  • Accredited Investment Fiduciary® (AIF®)
  • Supervising principal (OSJ)
  • Series 6, 7, 24, 26, 63, and 65 registered (held through Commonwealth Financial Network)
  • Life and health insurance licensed
  • BS in finance from Ithaca College in 1990
  • MS in education from Nazareth College in 1993
  • MBA in leadership and accounting from R.I.T. in 1997

Joshua S. Moscov

Financial Advisor

Prior to joining Heritage Financial Services in spring 2014, Josh had spent nearly 20 years in various executive management and sales roles in enterprise software solutions, professional services, and technology. He held sales and operational leadership positions at PAETEC, Frontier Communications, and Pharos Systems International. Josh gained international business experience traveling throughout Europe and Africa as a sales executive for Veramark in the late 1990s. Always with a passion for financial markets and the desire to maintain his father's legacy in the investment business, Josh is a key member of the Heritage Financial Services team. Josh enjoys skiing, fishing, playing guitar, and spending time at his summer retreat on Sodus Bay with his wife and two children.

 Accolades:

  • BS in business administration from Bryant University
  • Series 7 Registered Representative (held through Commonwealth Financial Network)
  • Series 66 Investment Advisor Representative, registered in NY, NC, CA, and MD (held through Commonwealth Financial Network)
  • Life and health insurance licensed 
  • Nominated for 2007 Sales Director of the Year for the nationally recognized Stevie Awards®
  • Founding member of the Verona Street Animal Society

Kandra L. Youngman

Office Manager

Kandra has more than 17 years of experience in the financial services industry focusing on operations, customer service, and client education. Since joining Heritage Financial Services, LLC, in 2004 as our office manager, Kandra has become one of the primary faces of our office and is a key resource to all of our clients in helping them manage their day-to-day administrative needs. Kandra enjoys kayaking, rowing, snowshoeing, taking classes at the New York Wine and Culinary Center, and spending time with family.

William G. Dostman III

Senior Investment Analyst

Before joining Heritage Financial Services in spring 2016, Bill was the head of U.S. equity management at, and part owner of, an independent RIA with more than $2 billion in assets under management. Beginning his investment career in 2005, Bill has firsthand experience managing assets through a wide array of market environments. With a strong understanding of both traditional and alternative investments, he is a valuable member of the Heritage Financial Services team. Outside of the office, Bill enjoys spending time with his family, traveling, reading, and competing in various sports.

Accolades:

  • MBA from Simon School of Business, University of Rochester
  • BS in business administration from Whitman School of Management, Syracuse University 
  • Series 7 Registered Representative (held through Commonwealth Financial Network)
  • Series 66 Investment Advisor Representative, registered in NY and CO (held through Commonwealth Financial Network)
  • CFA Institute and CFA Society Rochester member