Welcome, I’m Chris Holcomb, serving as the Branch Manager for 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. I am also a licensed agent for life, disability and long term care insurance. I am a graduate of Liberty University, and I am an active member of The Church at Severn Run.
Our firm strives to be a calm and confident financial voice in a noisy world. We bring optimism and assurance to our clients by offering expert guidance in financial planning, financial coaching, investment management strategies, and insurance solutions (CA Insurance License #0M76099).
We refer to our fundamental values as the "Treasure Plan," drawing inspiration from the notion that where your treasure is, your heart will be also. The Treasure Plan comprises six vital components: Faith, Freedom, Family, Friends, Fitness, and Finances.
Our specialized focus lies in Retirement Planning, encompassing 403(b)s, TSPs, 457s, IRA Rollovers, Roth IRAs, and brokerage accounts, as well as Retirement Income Planning, which includes IRAs, Roth IRAs, brokerage accounts, Pensions, Social Security, and Medicare.
Recognizing the unique challenges that arise as you prepare for retirement, we aim to demystify the complexities of both today and tomorrow. Our personalized financial planning service centers on your distinct financial aspirations and objectives.
Our team of seasoned professionals holds years of experience in the realm of financial services. We eagerly anticipate the opportunity to guide you through every stage of your life journey.
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. His eyes were opened and 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.
We have developed a life changing, live experience for our clients. In this exercise we lead clients through a guided discussion and self assessment of 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.
High-income professionals with security clearances have specific financial considerations that require careful planning and management. Collaborating with an experienced financial advisor can help these individuals maximize their financial growth while adhering to regulations and optimizing tax savings strategies.
Single, divorcing, and recently widowed women have distinct financial planning requirements. Whether it's retirement, life insurance, or long-term care planning, our services are tailored to address your specific needs and guide you through the available options.
If you're seeking to align your investments with your Christian values, our Faith-Based fund models offer a solution. These models enable you to invest in companies that align closely with your morals, principles and beliefs.
These employees have access to unique benefit combinations, including pension payments, Thrift Savings Plan funds, and Social Security payments. Effectively managing these benefits is crucial for maximizing retirement income.
Strong families are fundamental to society, and we can assist you in prioritizing and managing your financial needs, including investments, retirement, college savings, and life insurance. Our goal is to create a financial plan that aligns with your family's objectives.
Business owners bear significant risks, but crafting your own financial plan shouldn't be one of them. Delegate your retirement and life insurance planning to Heritage Financial Advisors, allowing you to concentrate on your business.
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."