The Heritage Difference

What We Do

Heritage Financial & Fiduciary Services, LLC provides personalized financial services for individuals and families.

Founded by Elizabeth Riker Williams, the Heritage Team offers confidential and professional services to help clients effectively and efficiently organize and manage the many facets of financial responsibility.

When you need to focus on other areas of life, Heritage Financial & Fiduciary Services is here to take care of ensuring your finances and assets are properly managed and protected.

Experienced Professionals

Specializing in serving as trusted advisors for affluent and high net worth individuals and families, their expertise in organizing, bookkeeping, estate planning, tax planning, preparing accountings, coordinating with other professionals, and trust/estate/guardianship administration make them invaluable to Heritage clients.

Collectively, our team has more than 150 years of financial service, and has provided more than 250 clients with trustworthy and professional guidance.


Elizabeth Riker Williams

(904) 864-1073


Elizabeth Riker Williams, founder of Heritage Financial & Fiduciary Services, LLC, (formerly Williams Financial & Fiduciary Services) is a Certified Trust and Financial Advisor (CTFA), and has been in the financial services industry for over 30 years. Elizabeth works with the clients’ attorneys, investment advisors, accountants, and other advisors. She provides services to individuals serving as trustee, personal representative, or guardian, as well as trust management and trust/estate settlement services, budgeting and cash flow planning, bill payment, account reconciliation, philanthropic planning and multi-generational planning. Originally from Gainesville, Florida, Elizabeth has lived in Jacksonville, Florida for over 30 years. She earned her Bachelor’s degree from the University of Florida and was awarded the Phi Beta Kappa designation. She graduated with High Honors from the National Graduate Trust School at Northwestern University.

Jack Mattison

(904) 504-4837


Jack Mattison has 35 years of banking experience in management, audit consulting and project management. He has worked for a number of banking institutions including the Federal Reserve Bank of Atlanta, Jacksonville branch, Wells Fargo, and Bank of America. Jack provides services that include reviewing paperwork, creating and organizing files, budgeting, reviewing and handling mail, bill payments, and reconciliation of bank accounts. He jointly owns a company, Loose Ends Concierge – A Lifestyle Concierge Service started by his wife, Karen G. Mattison, in 2011. A native of Philadelphia, Pennsylvania, he and his family moved to Jacksonville in 1961. After graduating with a Bachelor of Music Education and Master of Arts in Teaching from Jacksonville University, he taught band at Dupont Middle School and Englewood High School, and performed in the Jacksonville Symphony Orchestra as principal percussionist/tymponist before entering a banking career.

Karen Mattison

(904) 502-2354


Karen G. Mattison has 17 years of banking and financial experience working for the: Federal Reserve Bank of Atlanta-Jacksonville branch; Bessent, Hammock & Ruckman, Inc.; City of Jacksonville, Parks and Recreation Department, First Union National Bank; Southeast Bank; and First Federal Savings and Loan. She has depth of knowledge and skills in: contract administration; office management; project accountancy; budget, management, and operations analysis; and supervision. She founded Loose Ends Concierge – A Lifestyle Concierge Service in 2011, which provides a wide array of services from personal, office, and household assistant services to management of seminars. A native of Jacksonville, Florida, Karen graduated with a Bachelor of Arts in Sociology from Pfeiffer College in Misenheimer, North Carolina. She is currently on the Patient and Family Advisory Council at St. Vincent's, Riverside.

Margot Morford

(904) 612-2885


Margot Groff Morford was trust officer for 30 years with Atlantic Bank, First Union Bank, and Wachovia Bank, during which she was also a Vice President, and a Certified Trust and Financial Advisor. Margot's expertise in estate planning, asset management, tax planning, and trust management are invaluable. She served eight years on the board of the Estate Planning Council of Northeast Florida, where she also became president. She was also president of the board of the: American Institute of Banking, Jacksonville Chapter, American Lung Association of Northeast Florida, and Cypress Village Retirement Community; and board member and treasurer of We Care. Margot has a Bachelor's degree from the University of Maryland, and graduated with high honors from the National Graduate Trust School at Northwestern University. Originally from Baltimore, Maryland, Margot has lived in Jacksonville for over 40 years.

Mary Biggs Knauer

(904) 610-8738


Mary "Biggs" Knauer holds an M.B.A. in Finance as well as one in General Business. She started her career in trust banking at Barnett Bank (now Bank of America) and has worked in the trust banking field for several national, regional and community banks before coming to Heritage Financial and Fiduciary Services. She holds the following trust designations: Certified Trust and Financial Advisor (CTFA), Certified Corporate Trust Specialist (CCTS) and Accredited Investment Fiduciary (AIF). She serves on several local non-profit boards and is a member of the Jacksonville Rotary Club. In addition, Biggs is a volunteer therapy dog handler of DUKE, a Goldador. She takes him to hospitals, nursing homes and assisted living facilities in Jacksonville for pet therapy. Biggs and her husband, Jerry, an ophthalmologist, live in Jacksonville. Her hobbies are tennis, fitness training, cooking, Impressionist art and their beloved dachshunds.

Get The Help You Need

Contact us today for a free consultation. (904) 864-1073

Our Mission

Testimonials

Our mission is very clear - to provide our clients with high-quality, independent advice and counsel on all aspects of their financial life, and to serve as trusted representatives to care and advocate for their specific individual and family situations.