Heritage Financial Consultants

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

05/26/2026

As May comes to a close, now’s the time to take what you’ve learned and put it into motion. A clear plan can make all the difference.

05/25/2026

In honor of Memorial Day, our offices will be closed as we remember and pay tribute to those who served.

05/22/2026

📉💸 Despite record-low consumer sentiment, retail sales are soaring! How can pessimism and spending go hand in hand? Explore the intriguing disconnect between what we feel and what we do with our dollars. Read this week’s insight by Nasser Ali, Director of Investment Management, for more.

Perception vs. Reality: The Spending Paradox by Nasser Ali | May 21, 2026 | Client Communication, Our Insights Perception versus reality. When asked how optimistic or pessimistic one feels about their finances, individuals have been answering that question with an increasingly dour response. The Ind...