401(k) and retirement plans for employers nationwide. Insurance and benefits for New Jersey businesses and families. Medicare guidance from a local licensed agent. No call centers, no handoffs — just straightforward advice from someone who has been on the employer side of these decisions.
Our retirement plan practice serves businesses across the USA — from first-time 401(k) setups to plan takeovers and advanced designs.
Plan design, setup, and ongoing advisory for employers nationwide — 401(k), Pooled Employer Plans (PEP), and cash balance designs. We handle the fiduciary heavy lifting so you can offer a great plan without becoming a retirement expert.
For individuals approaching or in retirement: figure out whether your savings can actually become reliable income. Free tools, worksheets, and a readiness assessment — then a real conversation if you want one.
Insurance and employee benefits for NJ small and mid-size businesses — group health, workers comp, liability, and everything in between.
Workers comp, general liability, commercial auto, and more — built for NJ trades. We know the coverage requirements for contractors, and we make sure you’re compliant and protected before a job starts.
Group health for NJ businesses with 2–500 employees. We compare 20+ carriers at every renewal and build a plan that fits your team and your budget — not just whatever renews automatically.
BOP, general liability, commercial property, cyber, EPLI, and more. Every client gets a full policy review before we place anything — because the wrong time to find a coverage gap is when you’re filing a claim.
Plain-English Medicare guidance from a licensed local agent — plus a self-service option if you’d rather browse plans on your own.
Medicare Advantage, Medicare Supplement, and Part D explained in plain English by a real person down the street — not a call center. Free planning guide, educational workshops, and one-on-one reviews.
Prefer to browse on your own? Explore plans and run quotes through PlanEnroll — Dave’s secure Medicare quoting platform. It opens in a new tab, and you’ll see David Heitner’s name at the top, so you know your quotes route straight to Dave.
Opens planenroll.com in a new tab.
Coverage and income planning for you and your family — from your home and cars to lifetime income you can’t outlive.
Home, auto, flood, umbrella — one advisor, every policy. We review your coverage against your actual home value, check your flood zone status, and bundle policies to maximize your savings.
The Freedom Income Framework: use life insurance and annuities to protect your family today and build income you can’t outlive tomorrow — without betting your retirement on the market.