Heritage Financial Consultants – A Fresh Perspective_Home & Family

AboutThe HFC DifferenceCommunity InvolvementLocationsNewsCLIENT LOGIN Who We ArePlanners & StaffCulture VideoWhat We DoFinancial PlanningInvestment ManagementEstate PlanningRetirement PlanningRisk Management / InsuranceBusiness Ownership & Succession PlanningCorporate Executive ServicesEmployer-Sponsored Retirement PlansWho We ServeExecutivesBusiness OwnersRetireesFamiliesCorporationsNonprofitsOur InsightsClient CommunicationSpeaker SeriesContactSelect Page Committed To Your SuccessTake charge of your wealth and well-being with highly personalized financial planning.Your Path To SuccessHelp Protect and grow your wealth in line with your personal values and goals. Financial PlanningLearn More Investment ManagementLearn More Estate PlanningLearn More Retirement PlanningLearn More Risk Management / Insurance Learn More Business Ownership & Succession Planning Learn More Corporate Executive Services Learn More Employer-Sponsored Retirement Planning Learn More The Advantage of a Fresh Perspective.The HFC DifferenceDEDICATED TO THE CLIENTS AND COMMUNITIES WE SERVE.OUR CLIENTSCommitted partnerships for an exceptional experience.Meet Your Team Kathy Armstrong, CFP®, CRPC® Financial Planner Regina Beatty, CFP®, CRPC® Partner & Financial Planner Amy Brocious, CFP® Partner & Financial Planner Michael T. Byrne, ChFC® Partner & Financial Planner Robert Ellrich, CFP® Financial Planner Brent Fuchs, CFP®, CLU®, ChFC®, CRPC® Partner & Financial Planner Richard Grace Financial Planner Brian Gracie, CLU®, ChFC®, REBC® Founder & Financial Planner Julian Grubbs, CRPC® Financial Planner Neil Gunter, CRPC® Financial Planner Evan Horn, CFP® Financial Planner Brian Horn, CFP®, ChFC® Partner & Financial Planner Andrew Horowitz, CFP® Financial Planner Alejandro M. Jerez, CPWA®, CFP®, AWMA® Financial Planner Jeffery Marchitto Financial Planner John G. McCarthy, III Partner & Financial Planner Steve McDermott Financial Planner Arthur H. McGonigal, III Financial Planner Arthur H. McGonigal, Jr., CFP®, ChFC®, CLU®, CMFC®, CRPC® Partner & Financial Planner Marc Neumann, ChFC® Partner & Financial Planner Elizabeth R. Paal Goss, CFP®, CRPC® Financial Planner Chris Portner, CFP® Financial Planner Joseph Rice Financial Planner Matthew P. Sirpis Financial Planner Stacey A. Spedden-Irrgang, CRPC®, LUTCF Partner & Financial Planner Thomas Spray-Fry, CFP®, CLU®, ChFC®, CRPC® Financial Planner Gerard P. Viars, CLU®, ChFC®, CRPC® Partner & Financial Planner Robert Ziegler Financial Planner Our Recent Accolades.Baltimore SunNamed a Top Workplace by The Baltimore Sun (2017, 2018, 2019, 2020)¹Baltimore Business JournalNamed one of the Largest Financial Planners in the Baltimore Area by The Baltimore Business Journal (2015, 2016, 2017, 2018, 2019, 2020)²Philadelphia Business JournalNamed one of the 30 Top Money Managers in the Philadelphia Area by The Philadelphia Business Journal (2018, 2019, 2020)³Baltimore Business JournalNamed one of the Fastest-Growing Private Companies in the Baltimore Area by The Baltimore Business Journal (2019)4The Latest Trends and NewsAffecting You, Your Community, and Your Wealth. Andrew Horowitz Discusses Saving as a FamilyAndrew Horowitz Discusses Saving as a FamilyRead More Oct 12, 2022 Brent Fuchs Discusses the Importance of Financial AwarenessBrent Fuchs Discusses the Importance of Financial AwarenessRead More Oct 3, 2022 Elizabeth Paal Goss Discusses Education Planning with WJZElizabeth Paal Goss Discusses Education Planning with WJZRead More Sep 21, 2022 Tom Spray-Fry Celebrates National 401(k) DayTom Spray-Fry Celebrates National 401(k) DayRead More Sep 13, 2022 Stacey Spedden-Irrgang Discusses Financially Sound College Planning for Your ChildrenStacey Spedden-Irrgang Discusses Financially Sound College Planning for Your ChildrenRead More Aug 25, 2022 Eleven Heritage Financial Consultants’ Financial Professionals Receive Five Star Wealth Managers AwardEleven Heritage Financial Consultants’ Financial Professionals Receive Five Star Wealth Managers AwardRead More Aug 4, 2022 WEALTH AND WELL-BEING BASED ON YOUR VALUES AND GOALS. YOUR PATH TO SUCCESSWho We AreWhat We DoWho We ServeOur InsightsContact UsABOUTLOCATIONSNEWSCLIENT ACCESSWe 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, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, 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, Wisconsin, and Wyoming.Heritage Financial Consultants307 International Circle Suite 390 Hunt Valley, MD 21030 P: 410-785-0033 F: 410-785-0044FollowFollowFollowUnless 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. Not all registered representatives with our firm are able to offer advisory services.See Lincoln Financial Advisors (LFA’s) Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found hereCRN-3372080-121520 Committed to your success.© 2022 Heritage Financial Consultants, LLC1 The Top Workplace award is independently produced by the Baltimore Sun and is based on employee feedback via a 50 question survey. Heritage Financial Consultants, LLC (Heritage) applied for this award. Heritage nor its advisors or their parent firm have paid any fee to the Baltimore Sun for the nomination, promotion, or receipt of this award. This award was independently granted and a membership in an organization was not required. 2 The Largest Financial Planners in the Baltimore area award is independently produced by the Baltimore Business Journal and is based on the ranking of local Baltimore financial planning firms by the number of registered representatives. 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.3 The Top 30 Money Managers in the Philadelphia area award is independently produced by the Philadelphia Business Journal and is based on the ranking of local Philadelphia financial planning firms by assets under management. Heritage Financial Consultants, LLC (Heritage) was independently nominated for this award. Neither Heritage nor its advisors or their parent firm have paid any fee to the Philadelphia 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.4 The Fastest-Growing Private Companies in the Baltimore area award is independently produced by the Baltimore Business Journal and is based on the ranking of private local Baltimore companies by annual revenue growth. Heritage Financial Consultants, LLC (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..has-text-align-justify{text-align:justify;}