Business Retirement Plans




Profit Sharing


For the small business and the corporation,

      We offer comprehensive analysis to find a retirement plan that benefits both your business and your employees. After a plan is selected, our service continues with annual in-depth plan evaluations and face-to-face employee education. We take pride in educating plan participants about their investment and improving their retirement readiness.

Additionally we offer,

  • Group Life Insurance​

  • Group Disability Insurance

  • Cash-Flow Analysis

  • Succession Planning

This communication is strictly intended for individuals residing in the states of AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KY, LA, MD, ME, MI, MN, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TX, VA, WA, WV. No offers may be made outside these states due to various state regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank or financial institution, and are subject to risks, including possible loss of the principal invested. Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser.

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Stern & Heatwole Financial Group    305 Lucy Drive, Harrisonburg, VA 22801      |      Phone: 540-438-0547      |      Fax: 540-438-5647