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Heffernan Retirement Services - Because You're Different - San Francisco, CA


Call us at 800-437-0045

LPL Service Center (800) 558-7567

Estate And Financial Planning Services

We offer a full range of estate planning, business succession planning and wealth transfer services to help you accomplish your wealth transfer goals. Our unique process enables us to identify coordination gaps in your current plan and to identify unrealized opportunities. The main goal within our disciplined process is to minimize estate tax and maximize the benefit of passing wealth to future generations. The first step in our process is to determine your wealth transfer goals and provide you a clear and complete understanding of your estate and any existing plan. Next, we identify the solutions that may be useful in mitigating some of the key barriers faced by investors such as estate tax, beneficiaries of the inheritence and asset protection. We do this through our financial modeling software which helps us illustrate various scenarios that may help our clients resolve complex issues.

Working with your estate planning attorney or one we introduce, we then help you document the strategies and changes that we identify. Lastly, as part of our continuing process, we monitor and review the progress of your plan to ensure your goals and objectives are being met on an objective basis and as they evolve over time.

Our expertise in estate and financial planning includes the following services:

Individual Services

  • Annuities
  • Disability Income
  • Life Insurance
  • Term Life
  • Whole Life
  • Universal Life
  • Variable Universal Life
  • Long Term Care Insurance
  • Estate Planning
  • Wealth Transfer Strategies
  • Retirement Planning
  • Charitable Gifting

Corporate Services

  • 162 Executive Bonus Plans
  • Buy/Sell Insurance
  • Deferred compensation
  • Key person insurance
  • Split dollar plans
  • Business Overhead Expense Insurance
  • Buy/Sell Agreements
  • Stock Option Planning
  • Family Governance & Business