Who We Are

Stephen L. (Steve) Hecht, founder of Long Term Financial, has been providing insurance and financial services in the Baltimore, Maryland, area since 1968. In recent years, the practice has expanded to include clients from coast to coast.  Available products include Life, Health, Disability Income, and Long-Term Care insurance, as well as Annuities, for individuals, families, and businesses (both for-profit and not-for-profit.)  Steve is a Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) and was Chairman of the Baltimore Chapter of the Society of Financial Service Professionals. He also holds Masters degrees in Financial Services and Management.

How We Operate

As truly independent brokers, our guiding principles are independence and objectivity. We represent our clients, not any particular insurance company or companies. We have access to all insurance markets and are able to find the best products for our clients' specific needs and budgets. Best of all, our independence and objectivity are available to you at no extra charge.  Our compensation comes from the insurance companies, if and when a purchase is made.

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