Business Ownership & Succession Planning

HELP Protect and Grow Your Business.

As a business owner, your passion, your life’s work, and often a large percentage of your assets are tied up in your business.

We understand the risks and emotions involved, and you can rely on our experience to support you on your journey. As holistic planners, we will review every aspect of your financial situation and work with your full team of advisors to consider tax consequences, legal implications, and asset distributions to develop a financial plan that will coordinate with your business plan and goals.

Bring your vision to life.

Our knowledgeable team:


Specializes in helping owners of private companies plan for the future, including succession and exit planning.


Creates interim plans to facilitate immediate decision making, while providing flexibility over time, as variables and players change.


Assists owners in evaluating and maintaining employee benefits programs, such as qualified retirement plans and insurance (including medical, dental, life, long-term disability, and long-term care insurance).


Works with you to develop plans to recruit, retain, and reward key talent.

A confident financial future.

Schedule a short conversation with one of our advisors to discuss your needs and pursue your goals.

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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, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, 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, and Wisconsin.

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

*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. 


Committed to your success.

© 2020 Heritage Financial Consultants, LLC