Employer-Sponsored Retirement Plans

Attract AND Retain with a competitive edge.

Meet your business objectives and protect the future of your firm with effective retirement and pension plans that will give you a competitive edge to attract and retain top talent.

Grow your business while taking care of your most valuable asset:
your employees.

Our team will assist you with the design, funding, and implementation of retirement and pension plans.

For defined benefit and defined contribution plans, our services include: 


Plan design consulting


Employee financial and retirement education


Fiduciary education


Defined contribution 401(k) and 403(b) plans


Defined benefit plans


Fee analysis and benchmarking


Platform review and benchmarking

For executive compensation plans, our services include:


Non-qualified deferred compensation plans (NQDC)


Supplemental executive retirement
plans (SERPS)


Supplemental long-term disability plans


Executive long-term care plans


Executive and key person life insurance


Executive financial planning

A confident financial future.

Schedule a short conversation with one of our planners 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 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. 


Committed to your success.

© 2020 Heritage Financial Consultants, LLC