Businesses today need a strong and knowledgeable financial partner who can offer the right financial strategy to support its continued growth and success. Heritage Financial Services can help your business in providing cost-effective benefits for employees and key executives, effectuating tax leverage, and pursuing your personal financial goals. We provide an array of business and financial services with the guidance of highly knowledgeable, capable, and experienced professionals.

Employee and Key-Executive Benefits Solutions

Effective benefit programs allow your company to retain, motivate, and recruit the right people for your company, and at the same time, they can provide your business with valuable tax advantages. HFS offers a variety of programs that can be tailored to meet the needs of your business and your employees from retirement plans to executive compensation programs.


Retirement Programs for Employees

  • 401(k) plans
  • Profit-sharing plans
  • Pension plans
  • Simplified employee pension plans
  • Keogh plans
  • SIMPLE plans

Executive Compensation Programs

  • Bonus plans
  • Deferred compensation programs
  • Split dollar plans
  • Non-qualified retirement plans

Employee Education and Consultations

We understand that employees, like businesses, have a need for professionals to help them in their wealth management. As an added service, we offer seminars throughout the year and individual consultations to help educate employees and executives with their financial needs.

Business Continuation Programs

Is your business prepared for the departure or death of an owner or a key employee? Companies depend on their owners and key personnel for guidance and knowledge with their daily operation. We can help your business minimize the effect of such a loss through:

  • Key-Person programs
  • Buy / Sell agreements
  • Stock Redemption programs

An Integrated Approach to Business and Personal Wealth Management

As a business owner, your business and personal financial needs are tied together. We can help you develop and implement an integrated approach to meet your financial goals and objectives through the following:

Asset Accumulation and Distribution

  • Individual Retirement Accounts (IRAs)
  • Mutual Funds
  • Asset Management
  • Annuities