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DEDICATED TO THE CLIENTS AND COMMUNITIES WE SERVE.
Committed partnerships for an exceptional experience.
Kathy Armstrong, CFP®, CRPC®
Financial Planner
Regina Beatty, CFP®, CRPC®
Partner
Amy Brocious, CFP®
Partner
Michael T. Byrne, ChFC®
Partner
Joe Dankowski
Financial Planner
Robert Ellrich, CFP®
Partner
Brent Fuchs, CFP®, CLU®, ChFC®, CRPC®
Partner
Richard Grace
Financial Planner
Brian Gracie, CLU®, ChFC®, REBC®
Founder & Financial Planner
Julian Grubbs, CRPC®
Financial Planner
Neil Gunter, CRPC®
Financial Planner
Brian Horn, CFP®, ChFC®
Partner
Evan Horn, CFP®
Financial Planner
Andrew Horowitz, CFP®
Financial Planner
Alejandro M. Jerez, CPWA®, CFP®, AWMA®
Financial Planner
Jeffery Marchitto
Financial Planner
John G. McCarthy, III
Partner
Steve McDermott
Financial Planner
Arthur H. McGonigal, III
Financial Planner
Arthur H. McGonigal, Jr., CFP®, ChFC®, CLU®, CMFC®, CRPC®
Partner
Stephen Merrill
Financial Planner
Joe Morgan
Financial Planner
Marc Neumann, ChFC®
Partner
Elizabeth R. Paal Goss, CFP®, CRPC®
Financial Planner
Chris Portner, CFP®
Financial Planner
Matthew P. Sirpis
Financial Planner
Stacey A. Spedden-Irrgang, CRPC®, LUTCF
Partner
Thomas Spray-Fry, CFP®, CLU®, ChFC®, CRPC®
Financial Planner
Gerard P. Viars, CLU®, ChFC®, CRPC®
Partner
Robert Ziegler
Financial Planner
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Philadelphia Business Journal

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We are licensed in the following states. We are sorry if we are unable to offer you our services at this time.
Securities: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, and Puerto Rico.
Insurance: Arizona, California, Colorado, District of Columbia, Delaware, Florida, Georgia, Illinois (IL), Indiana (IN), Iowa, Kentucky, Maine, Maryland, Massachusetts, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin, and Wyoming.
Heritage Financial Consultants
307 International Circle
Suite 390
Hunt Valley, MD 21030
P: 410-785-0033 F: 410-785-0044
Unless otherwise identified, Associates on this website are registered representatives of Lincoln Financial Advisors Corp. Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer and a registered investment advisor. Member SIPC. Insurance offered through Lincoln affiliates and other fine companies and state variations thereof. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Firm disclosure information available at www.LFG.com.
*Associated persons of Lincoln Financial Advisors Corp. who hold a JD and/or CPA license do not offer tax or legal advice on behalf of the firm.
Heritage Financial Consultants is not an affiliate of Lincoln Financial Advisors.
Lincoln Financial Advisors and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.
Not all registered representatives with our firm are able to offer advisory services.
See Lincoln Financial Advisors (LFA’s) Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found here
CRN-3372080-121520
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© 2023 Heritage Financial Consultants, LLC
1 The Top Workplace award is independently produced by the Baltimore Sun and is based on employee feedback via a 50 question survey. Heritage Financial Consultants, LLC (Heritage) applied for this award. Heritage nor its advisors or their parent firm have paid any fee to the Baltimore Sun for the nomination, promotion, or receipt of this award. This award was independently granted and a membership in an organization was not required.
2 The Largest Financial Planners in the Baltimore area award is independently produced by the Baltimore Business Journal and is based on the ranking of local Baltimore financial planning firms by the number of registered representatives. Heritage was independently nominated for this award. Neither Heritage nor its advisors or their parent firm have paid any fee to the Baltimore Business Journal for the nomination, promotion, or receipt of this award. This award was independently granted and a membership in an organization was not required.
3 The Top 30 Money Managers in the Philadelphia area award is independently produced by the Philadelphia Business Journal and is based on the ranking of local Philadelphia financial planning firms by assets under management. Heritage Financial Consultants, LLC (Heritage) was independently nominated for this award. Neither Heritage nor its advisors or their parent firm have paid any fee to the Philadelphia Business Journal for the nomination, promotion, or receipt of this award. This award was independently granted and a membership in an organization was not required.
4 The Fastest-Growing Private Companies in the Baltimore area award is independently produced by the Baltimore Business Journal and is based on the ranking of private local Baltimore companies by annual revenue growth. Heritage Financial Consultants, LLC (Heritage) was independently nominated for this award. Neither Heritage nor its advisors or their parent firm have paid any fee to the Baltimore Business Journal for the nomination, promotion, or receipt of this award. This award was independently granted and a membership in an organization was not required.