Our Company

Our Company

Heritage Financial Services, LLC

Heritage Financial Services was founded by Stew and Steve in 2003, and from the beginning, our company mission has been to provide our clients with holistic and highly personalized financial advice combined with an exceptional level of service. Our independent approach and decades of combined experience have helped us to navigate the ever-changing financial landscape, and having grown exclusively by word of mouth and client referrals, we now advise approximately $400 million of client assets. With a focus on multigenerational family planning, we have been fortunate to grow with many of our clients over the years, eventually working with their children and grandchildren, and ultimately helping them leave a heritage to be proud of.

Our team has expertise and experience in investment management, financial planning and consulting, retirement plan development, insurance, and estate preservation and transfer. We are truly independent and without proprietary alliances, giving us the freedom to search the marketplace for the best available products and offer consultation without charge to determine where our services may be needed.

Stewart R. Moscov, CLU®, ChFC®

Financial Advisor, President

Stew has over 50 years of investment management, insurance, and financial services experience. A trusted advisor to many individuals and companies both locally in the Rochester, New York area and across the country, Stew is one of the primary strategists for Heritage Financial Services. With two children and five grandchildren, Stew keenly understands and appreciates the importance of family and planning for one's future. In his free time, he enjoys weekends in the Thousand Islands fishing, golfing, skiing, and spending time with his family. Additionally, to help better serve our southern clients during the winter months, Stew frequently works out of our satellite office in Estero, Florida.

Accolades:

  • Chartered Life Underwriter® (CLU®)
  • Chartered Financial Consultant® (ChFC®)
  • BS in business administration from Bryant University
  • FINRA Series 1, 63, and 65 registered (held through Commonwealth Financial Network®)
  • Life and health insurance licensed
  • Past president of the Estate Planning Council of Rochester
  • Past president of the Rochester Life Underwriters and a Rachel May Swaim Award recipient, the highest honor given by the Rochester branch of the National Association of Insurance & Financial Advisors
  • 14-year member of the New York State Life Underwriters Board of Directors
  • Past industry instructor for insurance and financial services
  • Life and qualifying member of the Million Dollar Round Table, 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 Round Table membership inclusion is based upon eligible commissions from fixed/variable products, eligible premiums, or annual gross income. Top of the Table qualifiers have reached a 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®

Financial Advisor, Partner

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. His pride and joy are his two children who are currently in college working towards degrees in music and business/marketing. He also loves to travel, having been to all 50 states and five of the seven continents. 

Accolades:

  • CERTIFIED FINANCIAL PLANNERTM (CFP®) practitioner

  • Accredited Investment Fiduciary® (AIF®)
  • MBA from Saunders College of Business, Rochester Institute of Technology
  • MS in education from Nazareth College
  • BS in finance from Ithaca College
  • FINRA Series 6, 7, 24, 26, 63, and 65 registered (held through Commonwealth Financial Network®)
  • Life and health insurance licensed
  • Supervising principal (OSJ)

Joshua S. Moscov

Financial Advisor, Partner

Prior to joining Heritage Financial Services in the spring of 2014, Josh 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 1990's. Always with a passion for financial markets, and the desire to maintain his father's legacy in the investment business, Josh has worked his way to becoming a partner of Heritage Financial Services. 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
  • FINRA Series 7 and 66 registered (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

William G. Dostman III, CFA®

Senior Investment Analyst

Before joining Heritage Financial Services in the spring of 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 very valuable member of the Heritage Financial Services team. Outside of the office, Bill enjoys spending time with his family, traveling, reading, and "friendly" competition.

Accolades:

  • Chartered Financial Analyst® (CFA®) Charterholder
  • MBA from Simon Business School, University of Rochester
  • BS in business administration from Whitman School of Management, Syracuse University 
  • FINRA Series 7 and 66 registered (held through Commonwealth Financial Network®)
  • CFA Institute and CFA Society Rochester member

Kandra L. Youngman

Office Manager

Kandra has nearly 20 years of experience in the financial services industry focusing on operations, customer service, and client education. Since joining Heritage Financial Services in 2004, 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.

Jennifer L. Pulver

Administrative Assistant

Jenn joined Heritage Financial Services in 2017 with more than a decade of experience in the banking and finance industry. Before joining the Heritage Financial Services team, she was a human resources generalist for Finger Lakes Gaming & Racetrack, and prior to that, she worked as a client service assistant at Manning & Napier in the National Sales and Marketing Department. Her responsibilities include a full range of customer service, administrative, and operational duties, with a primary focus on building strong client relationships. Jenn enjoys spending time with her family, boating, fishing, attending concerts, and traveling.