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
*To the extent that I am providing you with investment advisory services, including either financial planning services or ongoing investment advice as part of an Osaic FA investment advisory program (i.e., fee-based managed account) pursuant to a written agreement and related disclosures that describes this investment advisory relationship, I am acting in a fiduciary capacity related to those services under the federal securities laws, in particular the Investment Advisers Act of 1940.
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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This communication is strictly intended for individuals residing in the states of AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, MA, MD, ME, MI, NC, NE, NH, NJ, NY, OH, OR, PA, SC, TN, TX, VA, WI, WV, AK, AR, HI, IA, ID, KS, KY, LA, MN, MO, MS, MT, ND, NM, NV, OK, PR, RI, SD, UT, VT, WA, WY. No offers may be made or accepted from any resident outside the specific state(s) referenced.
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 Osaic Wealth, Inc. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
*Associated persons of Osaic Wealth who hold a JD and/or CPA license do not offer tax or legal advice on behalf of the firm.
Osaic Wealth, Inc. 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.
Committed to your success.
CRN-6989278-090524
© 2025 Heritage Financial Consultants, LLC
1 The Baltimore Sun’s Top Workplaces awards seek out the region’s best places to work through company nominations and determines the winners based on the results of employee feedback surveys provided by Energage, a company that conducts top workplaces surveys for dozens of news organizations across the country. The employee survey evaluates factors such as the company’s management and leadership, effectiveness, team values, employee engagement, and benefits and compensation. We applied for the award. Neither the advisors nor their parent firm pay a fee to The Baltimore Sun for the nomination, receipt, or promotion of the award. The award was independently granted, and membership in
an organization was not required.
For more information, please visit: https://www.baltimoresun.com/2023/12/07/baltimore-suns-top-workplaces-rankings-for-2023/
2 The Largest Wealth Management Firms in the Baltimore area award is independently produced by the Baltimore Business Journal and is based on the rankings of local Baltimore financial planning firms by the number of registered representatives. Heritage was independently nominated for this award. Neither Heritage nor its parent firm pay a fee to the Baltimore Business Journal for the nomination, receipt, or promotion of the award. The award was independently granted, and membership in an organization was not required.
For more information, please visit: https://www.bizjournals.com/baltimore/subscriber-only/2023/12/01/largest-wealth-management-firms-in-greater-baltimore.html
3 The Top 100 Private Companies in Greater Baltimore award is independently produced by the Baltimore Business Journal. To qualify, a company must have headquarters in Greater Baltimore and submit their previous year’s revenue. The current listing is ranked by 2023 revenue, but also includes 2022 revenue. 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.
For more information, please visit: https://www.bizjournals.com/baltimore/subscriber-only/2024/08/16/top-100-private-companies-in-greater-baltimore.html