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Retirement Income Teamwork is the Key Transfer the Risk Plan Ahead

Understanding Today’s Financial Environment

Welcome, I’m Chris Holcomb, Branch Manager, at our Columbia, Maryland, office.  I hold the following designations:  Certified Financial Planner (TM), Certified Kingdom Advisor (R) and Chartered Retirement Plans Specialist (SM).  I am also a graduate of Liberty University, a member of The Church at Severn Run and a Ramsey Solutions SmartVestor Investment Professional.

We understand that individuals and business owners face unique challenges as they prepare for retirement. We can help take the mystery out of preparing for today and tomorrow. Whether you are investing for retirement, college savings or estate planning, our personalized financial planning service focuses on your needs, wants, financial goals and objectives. 

Our professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you through all stages of your life, please call us at (410) 975-8387.

                          

Live Well...Give More -  A Unique Experience Created Exclusively for Our Clients

We have developed a life changing, live experience for our clients.  In this exercise we lead clients through a guided discussion and self-assessment on three major topics:  life, money and giving.  Using a wheel as a metaphor, we examine what a balanced life looks like, what a balanced financial life looks like and what a balanced giving life looks like.

We strive to answer the following questions:  "Who do I need to become?"  and "What habit, discipline or behavior, do I need to START, EXPAND or STOP, to increase my success rating and balance out my wheel?"

Then we will set some SMART goals together.  

Wheel of Life

Wheel of Life

Wheel of Money

Wheel of Money

Wheel of Giving

Wheel of Giving

We have experience in serving...

Dave Ramsey Fans

Dave Ramsey Fans

Chris is a SmartVestor Investment Professional for Ramsey Solutions in the Baltimore, Maryland, area.  He has been selected as a SmartVestor Pro because he is committed to helping clients achieve their long-term investing goals.

Women

Women

Single, divorcing and recently widowed women each have unique financial planning needs.  Whether you need a retirement, life insurance or long term care plan, we can help you navigate all the options.

Government Employees / Military Service Members

Government Employees / Military Service Members

These employees have some unique benefit combinations available to them.  Most of these retirement plans will feature pension payments, Thrift Savings Plan funds and Social Security payments.  Understanding the best way to manage these benefits is critical to maximizing your retirement income.

Faith Based Investors

Faith Based Investors

If you are wanting to invest according to your Christian values, then we have a solution for you.  Our Faith Based fund models allow you to invest in companies that most accurately reflect your moral principles.

Families

Families

Strong families are the building blocks of our society.  Whether it's investments, retirement, college or life insurance, we can help you prioritize your needs and manage a financial plan that focuses on your goals.

Small Businesses

Small Businesses

As a business owner, you assume a lot of risk, but you should not risk creating your own financial plan.  Focus on your business and delegate your retirement and life insurance needs to Heritage Financial Advisors.

Connect With Heritage Financial Advisors:

 

Working with an advisor that is part of the SmartVestor network cannot guarantee investment success or that financial goals will be achieved. There can be no assurance that working with a Dave Ramsey SmartVestor Pro (SVP) will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program. Advisors that participate in this program pay a fee to belong to the program for client leads that are provided. Dave Ramsey and the Dave Ramsey SmartVestor program is not affiliated with Cetera and Heritage Financial Advisors and is not sponsored or endorsed by Cetera nor Heritage Financial Advisors.

Free Retirement Guide

It's never too soon to start preparing for retirement. But do you know what to look out for? Download our free ebook, "Retire Happy: A Simple Guide to Your Next Big Adventure."



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