Our Services

Retirement Plan Consulting

We are proud to serve both for profit and non-profit retirement plan clients. We are both vendor and investment neutral, thus allowing us to act as a true fiduciary consultant. Our goal is your success, an efficiently managed retirement vehicle that helps both corporations and nonprofit organizations attract and retain valuable employees. Heffernan Financial Services utilizes a strategic approach to help clients manage all aspects of their retirement plan. We first benchmark your current plan to determine its competitiveness from an administrative, investment, and cost-effective standpoint. Focused on helping our client partners understand and navigate the complexities of wealth management, our methods and resources, together with our extensively qualified team, deliver a customized employer benefits portfolio.

Executive Benefits & Life Insurance

In an increasingly competitive environment, business owners are constantly looking for ways to protect their business all while rewarding and retaining their top talent. At Heffernan, we offer executive benefit programs and insurance options that strategically supplement both group disability and retirement programs. Our solutions provide the necessary benefits that individuals want, and business owners need.

Wealth Management

To reach financial independence, it has never been more important to enlist the help of a professional financial consultant to help address your unique needs and goals. Our advisors work with you one-on-one to determine your current financial situation, risk tolerance, and objectives to create your unique financial plan. This plan is presented as customized reports that establish a clear understanding between you and your advisor as to the investment objectives and guidelines pertaining to your assets.

What is Your Risk Score?

Complimentary Portfolio Risk Analysis

Looking for Ways to Protect Your Business and Retain Employees?

Complimentary Review of your Executive Benefits

Have you Evaluated your Retirement Plan recently?

Complimentary Retirement Plan Benchmark Review & Analysis

Blogs

A power of attorney (POA) can grant you certain authority and specific responsibilities. While the extent and limitations of POAs can vary based on many factors, stepping into the role of power of attorney can be unlike anything else. That’s because it puts you in the driver’s seat to make key decisions and oversee vital needs for someone else. That doesn’t mean that POAs come with carte-blanche powers or that one power of attorney will mirror another. Explaining how POAs work, this guide shares more fundamentals, detailing some common types of powers of attorney and the responsibilities you may have as an agent of one of these devices.
How many years will your retirement last? What are the chances you’ll live past 90? Most of us answer those questions wrong because we don’t have strong longevity literacy. 1 That means that about 81% of us1 aren’t working with a viable understanding of our own life expectancy. Let’s explore how understanding longevity could create a positive impact in your retirement planning. What is longevity literacy? Longevity literacy refers to your knowledge about expected lifespans...
With healthcare costs often resembling an unpredictable market, and long-term care expenses looming, the post-work years require careful financial planning. This blog post advocates for partnering with a financial professional to navigate these challenges, offering tailored guidance on Medicare, long-term care funding, and retirement law changes. By preparing strategically, retirees can confidently set sail into their golden years, free from the turbulence of unforeseen financial burdens.