# Joseph Barrios

> Joseph Barrios is a fee-only financial advisor at Heritage Financial Counselors in Oyster Bay, New York. Joseph focuses on retirement planning, estate & legacy planning and tax planning. Heritage Financial Counselors reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/joseph-barrios/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Heritage Financial Counselors
- **Based in:** Oyster Bay, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $235.9M across 425 accounts
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning, Family wealth transfer
- **Works with:** Multi-generational families
- **CRD:** 8240125 (https://adviserinfo.sec.gov/individual/summary/8240125)
- **SEC registration:** Investment adviser representative in NJ, NY
- **Exams passed:** Series 65 (2026)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** http://www.heritagefinancialcounselors.com

## Frequently asked questions

### Is Joseph Barrios a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Joseph holds no broker registration, and Heritage Financial Counselors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Joseph charge for financial advice?

Joseph's firm, Heritage Financial Counselors, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Joseph Barrios based?

Joseph Barrios is based in Oyster Bay, New York.

### What does Joseph specialize in?

Joseph's specialties include retirement planning, estate & legacy planning, tax planning and family wealth transfer. Joseph works with multi-generational families.

### Is Joseph Barrios registered with the SEC?

Yes. Joseph Barrios is registered as an investment adviser representative in NJ and NY (CRD 8240125), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Heritage Financial Counselors manage?

Heritage Financial Counselors reports $235.9M across 425 accounts in assets under management.

### How do I contact Joseph Barrios?

Through Joseph's website, www.heritagefinancialcounselors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8240125): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://heritagefinancialcounselors.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.