Meet the Team

Frank Leonard, CLU® | Principal

As an executive with a major National Retirement Plan provider, Frank was a consistent presence in the retirement plan marketplace for 20 years. During that time, he has helped plan sponsors all over New England manage their qualified retirement plans, while maintaining relationships with many industry experts.

With the guiding principals of integrity and professional excellence, Frank established Heritage Retirement Planning to provide specialist retirement plan services directly to plan sponsors and plan participants.

Frank earned a Bachelor of Science degree from Northeastern University in Boston and has successfully completed FINRA series 6, 7 and 63 examination. In his spare time Frank is very involved with youth sports in his hometown of Braintree MA, where he lives with his wife Frances and two daughters.


Howard Nellhaus JD*, CFP® CRPC® | Principal

Howard has been providing financial advice and services to individuals for over 10 years. From August 2002 until March 2008, he served as a financial advisor under ING’s Financial Horizons Advisory Program. Howard has also presented numerous financial education seminars to both large and small groups. Prior to becoming a financial planner, Howard practiced estate planning and tax law for over 15 years.

Howard holds the CHARTERED RETIREMENT PLANNING COUNSELORSM and the CERTIFIED FINANCIAL PLANNER® professional designations and has state securities and insurance licenses.

Howard graduated from The George Washington University with a B.A. degree in Urban Affairs. He received his law degree from Suffolk University Law School and earned his Master of Laws in Taxation from the Boston University School of Law. *He is a non practicing attorney. Howard and his wife Susan reside in Swampscott, MA and have two sons, David and Daniel.





Neither Voya Financial Advisors, Inc. nor its affiliated companies or representatives provide tax or legal advice.



Securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC).

Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction.

Heritage Retirement Planning is not a subsidiary of or controlled by Voya Financial Advisors, Inc.

The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states: Massachusetts (MA),New Hampshire (NH),Rhode Island (RI).

Supervisory Office:
Heritage Retirement Planning 30 Braintree Hill Office Park, Braintree, MA 02184
(781) 796-9859  (fax) (781) 796-9392  

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