Risk Management / Insurance

Protect your family.

The careful consideration of personal risk remains a cornerstone of financial planning. 

Disability, long-term healthcare problems, and pre-mature death are uncommon but potentially catastrophic financial events for households and businesses. Many people don’t give a second thought to home and auto insurance, but they balk at the thought of insuring against income and asset loss.

Today’s insurance products encompass creative tools that meet the needs of widely varied households. Your team will help you review all the options available to protect your family, your business, and your legacy.

Plan for the future, now.

During our first meetings, we will guide you through our general approach to retirement planning:


Protect your loved ones after you’re gone, with a policy that covers your family’s living expenses.


Cover your medical and long-term care expenses, easing the burden on your family.


Supplement your income during your retirement years.


Minimize your tax exposure over time to reduce the burden of taxes for your beneficiaries.


Retain and reward key talent for business owners.


Cover the loss of a key employee with a policy to cover recruitment and training.


Make a difference in the lives of others and fund charitable giving.


Create a legacy you can pass on to future generations.

Take advantage of the latest products to ensure protection before you – or your loved ones – need it.

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 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