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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Katherine Armstrong CA Insurance License #4317524, Paul Baader CA Insurance License #0F61072, Regina Beatty CA Insurance License #1811881, Brian Gracie CA Insurance License # 0E24594, Julian Grubbs CA Insurance License #4373155, Brian Horn CA Insurance License #0F01680, Andrew Horowitz CA Insurance License #4480405, John McCarthy CA Insurance License #0D85649, Marc Neumann CA Insurance License #0F19982, Elizabeth Paal Goss CA Insurance License #4316724, Stacey Spedden-Irrgang CA Insurance License #4047232, Jay Spies CA Insurance License #0I98536.
Jay Spies AR Insurance License #13949343, Paul Baader AR Insurance License #7046113
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.
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.
© Heritage Financial Consultants, LLC
