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Could Your Money Work Harder For You?

Could Your Money Work Harder For You?

Whether you’re beginning your investment journey, reimagining your retirement, or anything in between, you need a professional in your corner. It’s our goal to serve every aspect of your financial life to provide guidance and insights.

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From One Professional to Another / Let’s Work Together

From One Professional to Another / Let’s Work Together

Your goals are our goals. Regardless of your background, we believe people live better lives with wealth-building education and investment insights. If you’re ready to work with a financial professional, let’s sit down to talk.

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Retirement Planning and Tax Analysis for High Achieving Professionals with Conservative Values


Welcome, I’m Chris Holcomb, and I serve 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 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.



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Chris' Story

Chris discovered his passion for retirement planning during his 20-year corporate career. While working at three publicly traded companies, he became fascinated with 401(k) plans and studied them extensively.

Chris noticed many colleagues felt overwhelmed choosing funds and allocating percentages in their plans. This inspired him to help people prepare for retirement, so in 2007, he decided to pursue a career as a financial advisor.

In 2011, Chris earned his CFP® designation and decided to channel his expertise into launching his own firm - Heritage Financial Advisors in Columbia, MD. Now, Chris guides clients into and through retirement with confidence.

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.

Our Clients

Helping investors from every background

High Income Professionals

High Income Professionals

Professionals who are highly compensated have some unique requirements and opportunities. They tend to be more interested in fulfilling aspirational plans, retiring early, and reducing taxes.

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Faith Based Investors

Faith Based Investors

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.

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Restarting Individuals

Restarting Individuals

Newly single individuals have distinct financial planning requirements. Whether it's retirement, life insurance, or long-term care planning, our services are tailored to address their specific needs and guide them through the available options.

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Pre-Retirees

Pre-Retirees

Retirement planning and retirement income planning are two of the most complicated financial challenges you will face in life. We will help you create a plan and monitor your progress, using our customized, tax efficient investment management,
and insurance solutions.

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Retirees

Retirees

We provide retirement income planning, IRA/Roth IRA account management, tax-efficient withdrawal strategies, and Social Security/Medicare coaching, tailored specifically for retirees, positioning them for a solid financial future throughout their retirement years.

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What We Do

When was the last time you sat down and had a practical conversation about your investments? If it’s been a while, it may be time to consult with a trusted ally.

Our team is comprised of industry experts with decades of combined experience. Whether you’re an early investor or a seasoned wealth-builder, clients from all walks have come to rely on our team.

Retirement

Your most important financial milestone

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Wealth Management

Portfolio construction and risk management

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Peak-Career

Wealth-building strategies for professionals

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Estate Strategy

Strategies for every phase of life

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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 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.


Our Three Step Process

STEP

1

Setup

The more we know about you, your finances, and your goals, the better we can strategize.

STEP

2

Strategize

We’ll map out a financial strategy based on your goals, time horizon, and risk tolerance.

STEP

3

Execute

Life changes? Market volatility? We’ll keep your financial blueprint on track every step of the way.

Get your financial journey started today.

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Schedule A Free Consultation

We’d love to learn more about you and your financial goals. Our form is the best way to schedule an introductory call.

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