Heritage Financial Consultants

06/10/2026

Thinking about retirement? Annuities could be a great addition to your financial plan!💰✨ Read this month’s Planning Bulletin by Eric Wyss and Nicholas Purcell to learn how qualified and non-qualified annuities can help you accumulate assets and provide income while considering tax implications for you and your beneficiaries.

Annuity Taxation Guidelines by Eric Wyss | Jun 4, 2026 | Client Communication, Planning Bulletins Annuities are insurance products designed to help individuals accumulate assets for retirement and, in some cases, create a guaranteed stream of income. While there are many types of annuities, we will....

06/08/2026

Did you know there are different types of annuities to suit various financial goals? Fixed, variable, or indexed annuities…Learn which type might be right for you and how they can help you achieve your income planning goals.

06/05/2026

As we approach the midterm elections, history shows that election seasons can impact the stock market. With corporate earnings surging, will this trend hold strong as uncertainty looms? Read this week’s insight by Nasser Ali, Director of Investment Management, to stay informed and prepared!

Navigating Midterm Market Trends: What Investors Should Know by Nasser Ali | Jun 4, 2026 | Client Communication, Our Insights The official start of summer is around the corner, and warmer weather is ahead. For 2026, that also means the midterm election season is heating up. Primary elections have al...

06/03/2026

🦀 Today, we welcomed Conrad's Crabs & Seafood Market -Parkville, MD to our Hunt Valley headquarters to show our appreciation for the amazing team at Heritage Financial Consultants. Good food, good people, and a moment to enjoy it all together. We’re grateful for everything our employees do to make this a great place to work.

06/01/2026

Happy June! This month, we’re focusing on Annuity Awareness. Annuities can be a powerful tool designed for securing your financial future. Stay tuned for tips, insights, and advice on how to make the most of annuities and ensure a stable income stream for your retirement.

05/31/2026

Employee benefits have gotten complicated and business owners need guidance. Stacey Spedden-Irrgang, CRPC, FSCP, LUTCF weighs in on how advisors can help in a recent Financial Advisor IQ article.
🔗 https://www.financialadvisoriq.com/c/5166984/731024

05/29/2026

Is summer really the slow season for stocks? Discover the truth behind the old Wall Street saying and why summer investments might be more promising than you think! Read this week’s insight by Nasser Ali, Director of Investment Management, for more. 🌞💼

Beyond the Adage: Rethinking ‘Sell in May’ by Nasser Ali | May 28, 2026 | Client Communication, Our Insights “Sell in May and go away” is an old Wall Street adage suggesting summer months offer lackluster returns. The inference is that investors are better off liquidating equity positions an...

05/29/2026

May 29 is recognized as 529 Day—a reminder of the importance of planning ahead for education through tax-advantaged 529 savings plans. It’s never too early to start investing in future opportunities. 🎓

05/28/2026

We're closing out Business Owners Planning Month with one more concept worth knowing before May is behind us.

Do you actually know what your business is worth today? And more importantly, is that number enough to support the life you want after you exit?

For many business owners, there is a gap between what they think their business is worth and what it would actually take to fund their retirement or next chapter. That gap has a name, and closing it takes a plan.

Watch the video to learn more about the Value Gap and what you can do about it.

Julian Grubbs, Certified Retirement Planning Counselor walks you through it. Hit play to see if it applies to you.

05/27/2026

🚴 Proud of you, Jay.

This past May 15–17, our own Jay Spies participated in Face of America: Gettysburg, a two-day, 110-mile cycling challenge that brings together adaptive athletes, military veterans, first responders, and civilians from across North America in one of the country's most inclusive athletic experiences.

Jay didn't just show up. He set a fundraising goal and exceeded it, raising $2,025 for World Team (The Exceptional Athlete Matters), a nonprofit that has spent over 30 years empowering people with disabilities through outdoor adventure sports.

We are incredibly proud of Jay's commitment, grateful to Osaic for presenting this opportunity, and deeply supportive of the mission behind this event. In a world where 1 in 4 people live with a disability and hundreds of thousands of veterans carry service-related injuries, events like Face of America remind us what is possible when community shows up.

Thank you to everyone who donated and cheered Jay on. 💙

🔗 Learn more: wtsevent.org/faceofamerica