Welcome, I’m Chris Holcomb, Branch Manager, at our Columbia, Maryland, office. I am a fiduciary and I hold the following designations: CERTIFIED FINANCIAL PLANNERTM , Certified Kingdom Advisor® and Chartered Retirement Plans SpecialistSM. In addition, I am also a licensed agent for life, disability and long term care insurance. Finally, I am a graduate of Liberty University, a member of The Church at Severn Run and a Ramsey Solutions SmartVestor Investment Professional.
Our firm strives to be a calm and confident financial voice in a noisy world. We deliver hope to our clients by providing them advise in financial planning, financial coaching, investment management strategies and insurance solutions (CA Insurance License #0M76099).
We call our core values the Treasure Plan because where your treasure is, there your heart will be also. The six components of the Treasure Plan include: Faith, Freedom, Family, Friends, Fitness and Finances.
Our niche is Retirement Planning [401(k)s, 403(b)s, TSPs, 457s, IRA Rollovers, Roth IRAs and brokerage accounts] and Retirement Income Planning (IRAs, Roth IRAs, brokerage accounts, Pensions, Social Security and Medicare).
We understand that you face unique challenges as you prepare for retirement. We can help you take the mystery out of preparing for today and tomorrow. Our personalized financial planning service focuses on your financial goals and objectives.
Our team of professionals has several years of experience in financial services. We look forward to working with you through all the stages of your life.
Chris spent the first 20 years of his career working for three publicly traded companies. During that time, he became intrigued by each of their 401(k) plans, so he spent a considerable amount of time studying each plan. Meanwhile, he noticed that his colleagues were intimidated by the process of selecting and allocating percentages to the mutual funds in their 401(k) plan. During this time, Chris saw a real opportunity to help people prepare for retirement, so in 2007, he decided to pursue a career as a financial advisor. Four years later, Chris opened his own firm, Heritage Financial Advisors, in Columbia, MD.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
*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 or endorsed by Cetera Advisor Networks LLC or Heritage Financial Advisors.
We have developed a life changing, live experience for our clients. In this exercise we lead clients through a guided discussion and self assessment 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.
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 pursue their long-term investing goals.
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.
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.
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.
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.
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.
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."