James G. Morgan


Heritage Financial Consultants, LLC

James G. Morgan Jr., a chartered life underwriter and founding partner of Heritage Financial Consultants, has been involved in the insurance and financial services industry since 1960. He specializes in working with high net worth individuals on their financial planning, estate planning and philanthropic planning.

Education and Certifications

  • BS in business administration from the University of Baltimore
  • Chartered Life Underwriter (CLU®)
  • Registered Health Underwriter (RHU®)
  • Life and Health insurance licensed
  • FINRA Series 1 Registered Representative

Professional Background

Jim joined Lincoln National Life Insurance Company in 1969. He was named President of its Baltimore agency in 1978 and CEO in 1983. Under his leadership, the agency was the largest life insurance agency in Maryland and one of the largest in the United States. In April 1997, Jim retired as CEO of Lincoln National Life Baltimore office.

Current Board Memberships

  • Dyslexia Tutoring Program, Past President
  • Advisory Boards of Calvert Hall College
  • Life Trustee of Jemicy School

Professional Associations

  • Maryland Association of Health Underwriters, Past President
  • Baltimore Life Underwriters Association, Past President
  • Baltimore Chapter of the American Society of CLU and ChFC, Past President
  • Baltimore GAMA, Past President (two terms)
  • Maryland Higher Education Commission

Community Involvement

  • National Football Foundation Hall of Fame, past president
  • Eastern Collegiate Association of Football Officials, past president
  • Established Calvert Hall Colleges LaSalle program
  • Established program for dyslexic students at Bishop Walsh High School (Cumberland)
  • Helped to start Odyssey, Highlands, and Summit Schools


  • University of Baltimore’s Alumni of the Year
  • University of Baltimore’s Entrepreneur of the Year Award
  • University of Baltimore’s Athletic Hall of Fame
  • Calvert Hall’s Hall of Fame

On a Personal Note

Jim, a native Baltimorean, and his wife devote much of their time to speaking around the country about training and educating children with learning disabilities. In 1993, Jim and his wife set up the Morgan Family Foundation primarily for use in making charitable contributions to many organizations. The couple, who currently resides in Lutherville, MD, has four children and ten grandchildren.

Main Service Areas

  • Life and Health Insurance
  • Financial Planning
  • Estate Planning
  • Charitable Giving Planning
  • Business Succession Planning