Coordinated Decisions. Confident Outcomes.
We help successful professionals coordinate the financial decisions that matter most, so key opportunities aren’t missed.
Many people come to us thinking they need help managing accounts.
What they really need is a clear plan for which decisions to make, when to make them, and in what order.
We bring structure to rollovers, tax strategy, retirement income, healthcare choices, Social Security, and legacy planning so missteps don’t become costly over time, and a spouse is protected in the event of life changes.
Our role isn’t to replace what you already do well. It’s to manage the moving parts with clarity, timing, and coordination.
Wealth Strategies and Tax Analysis for Successful Professionals Seeking to Avoid Costly Missteps
Heritage Financial Advisors is an independent fiduciary firm dedicated to putting your best interests first. We specialize in providing tailored, tax-efficient financial solutions to high-achieving professionals with family values. Our mission is to serve as a calm and confident voice in today’s fast-paced financial world—helping you make wise decisions with clarity and conviction.
Chris Holcomb, CFP®, CKA®, CRPS®
Branch Manager, Heritage Financial Advisors
Most advisors start with your accounts. Chris starts with your life.
I spent nearly 20 years working in commercial construction before becoming a financial advisor. During those years, coworkers would often ask me for help understanding their 401(k)s and choosing investments.
What stayed with me was not simply how much they appreciated the help. It was how anxious intelligent, successful people could feel when making financial decisions—and how comfortable I felt helping them work through those decisions.
I realized I wanted to spend the next chapter of my career helping people turn financial complexity into clear, practical action. I became a financial advisor in 2007 and founded Heritage Financial Advisors in 2011 so I could build a practice centered on listening first, providing comprehensive advice, and helping families make coordinated decisions about retirement.
Today, I primarily work with successful professionals and couples in their 50s and 60s who are approaching retirement. They have worked hard, saved consistently, and made many good decisions. But as retirement gets closer, the questions become more complicated:
Have we saved enough? When should we claim Social Security? How can we reduce taxes? How should we create income from our investments? What happens if one of us needs long-term care? And are we overlooking something important?
My job is to bring those decisions together into one coordinated plan. That may include retirement-income planning, tax-efficient withdrawals, Roth conversions, Social Security and Medicare decisions, investment management, long-term care planning, and legacy considerations. The goal is to help clients understand where they stand, what decisions need to be made, and what steps should come next.
Over time, however, I discovered that being financially prepared is only part of a successful retirement.
I watched people spend decades preparing financially for retirement, only to achieve it without a clear picture of what they wanted their lives to look like. They knew what they were retiring from, but they had not spent enough time thinking about what they were retiring to.
That realization led me to develop The Treasure Plan™, built around six areas of an intentional life: Fitness, Family, Friends, Finances, Freedom, and Faith. Money matters, but it is the fuel—not the finish line. A strong financial plan should support your health, relationships, time, purpose, generosity, and legacy.
That is the kind of work I find most meaningful: helping people prepare for retirement financially while also encouraging them to build a life they will be excited to live.
Outside the office, I am married. We have three adult children and two granddaughters. I am active at The Church of Severn Run and serve as a mentor to business entrepreneurs through SCORE. I also enjoy visiting baseball stadiums, working on my own health and fitness, and spending time with my family.
Whether someone is preparing to begin retirement or grow their business, I enjoy helping people approach their next chapter with greater clarity, confidence, and purpose.
Credentials: CFP® professional | Certified Kingdom Advisor® | Charted Retirement Plans Specialist® | Licensed in Life, Disability, and Long-Term Care Insurance
Focus Areas: Retirement planning · Retirement income planning · Tax-efficient withdrawal strategies · Social Security optimization · Roth IRAs · Roth conversions · 401(k) rollovers· Investment management · Faith-based investing · Long-Term Care planning
Our Approach
Clarity Before Strategy: Helping you define your ‘why’ before jumping into the ‘how.’
Values-First Planning: Aligning financial decisions with what you treasure most.
Generosity as a Goal: Encouraging you to live and give with freedom and confidence.
