The Kirwan Companies, Ltd.

For the past four decades, The Kirwan Companies, Ltd. has advised independent business owners on how to manage their personal and corporate investment and benefits programs.

Providing comprehensive long-term programs for Employee Benefits, Investments, Retirement Planning, and sound Money Management that comes with years of dedicated professional expertise and guidance, we always put our clients’ interests first. Our philosophy of asking “What would I recommend for myself?” has been our hallmark, contributing both to our success and the success of our clients.

A pioneer in Health Savings Accounts (HSAs), we were among the first to recommend them to our clients. We also have a strong history of working with the Medical Community, providing many independent physicians, physician groups, and medical societies with our services. We’ve had the privilege of representing the Medical Society of New Jersey for well over a decade, have been the HSA sponsor and provider for the Society’s chapters in Bergen, Morris, Union, Atlantic and Middlesex Counties, and for the Bucks County (PA) Medical Society.

At The Kirwan Companies, Ltd., we work closely with a number of our like-minded Associates, partnering with major brokers, such as, Savoy Associates, Kistler-Tiffany, Corporate Synergies, as well as with our Self-Funded TPA partners at HealthNow (HNAS), IBA, IAA and Affordable Care Consulting Associates.

We are members of the following National Organizations: NAHU, PAHU, NJHU and SEPA SHRM on a Corporate level, and individually associated with The American College of Bryn Mawr, PA, and our Local Organizations of the NBA-Newtown Business Association, as well as being a Board Member of the NBCA-Newtown Business Commons Association.

Meet Our Management Team

Michael G. Kirwan, REBC®,ChFC®, CLU®, IAR
President, The Kirwan Companies. Ltd. &
HSA Specialist of America, Inc


Professional Designation Check

Michael has been privileged to serve the Professional & Business community since 1970. An honors graduate of Drexel University with a major in finance and a minor in law, he has certifications as a – REBC®-Registered Employee Benefits Consultant, ChFC®-Chartered Financial Consultant CLU®-Chartered Life Underwriter, and is a member of FINRA & SIPC. He maintained his own RIA-Registered Investment Advisory firm from 1985-2013, and currently is an Investment Advisor Representative (IAR) of American Portfolios. Securities offered through American Portfolios, member FINRA & SIPC. 

He also holds Securities, Health, Life & Annuity licenses, and has a long-standing relationship with the medical community, specializing in Physician Group Benefits for the last four decades. He has been a CLE instructor for the Bucks County Bar Association and the law firm of Hill Wallack, LLC. He has also been a guest speaker for a number of Medical Societies over the years and a recent ACA Guest Speaker for the Newtown Business Commons Association and Union County Medical Society. Michael also achieved the Million Dollar Round Table’s Life Member status in 1980.


Heidi Amoroso
Corporate Vice President of Sales and Services

Heidi has been with The Kirwan Companies for more than 9 years. She attended Rider University, and holds insurance licenses for Health, Life & Annuities. She is responsible for managing client relationships, and assists clients with questions, requests, and issues. She also manages the timely submission of requisite enrollments, renewals, certifications and new client acquisitions.

Samira Ranganathan

Samira is a graduate of New Delhi University holding Bachelor’s Degree in Accounting. She is licensed for Health, Life & Annuities & has been working for us for 13 years. She plays a vital role acting as the Managing Coordinator/Liaison for the Investment & Financial Planning Division of our firm. Samira plays and integral role in the daily communication and detailed paperwork required in opening new client accounts, while diligently and thoroughly attending to existing client requests and account updates.

Michael G. Kirwan, REBC® , ChFC®, CLU®, is an Independent Advisor Representative (IAR) of American Portfolios. Securities offered through American Portfolios, member FINRA & SIPC. 631-439-4600.
The Kirwan Companies, Ltd, and American Portfolios are separate and unrelated entities. Check our broker status.
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