The
Treasure
Plan
Retirement is not just about having enough money. It's about knowing what comes next.
A practical guide to aligning your finances, purpose, relationships, and faith before retirement arrives.
Copy
with What Matters Most
Most retirement books start with money. This one starts with fitness and ends with faith.
After decades of helping families prepare for retirement, Chris Holcomb kept seeing the same problem. People had spent years preparing financially — but very little time preparing personally.
The Treasure Plan helps you think beyond investments and income projections. It helps you design a retirement built around meaning, relationships, generosity, health, and purpose.
Written for thoughtful people approaching retirement
This is not a technical investing manual. It is a practical guide for people who want clarity, confidence, and purpose in the next chapter of life.
You have saved diligently
But want clarity on how retirement actually works day to day.
You want purpose, not just freedom
You are thinking beyond spreadsheets and investment returns.
You prefer practical guidance
No jargon. No hype. Just clear next steps.
Choose How You'd Like to Order
Pick up your signed copy at our office in Columbia, MD. A meaningful gift for yourself, your spouse, or someone entering retirement.
Personally signed and available for pickup at our Columbia, MD office. A lasting keepsake — and a great conversation starter.
Two personally signed copies. Perfect for couples retiring together, or for gifting to a friend ready to start building their plan.
Includes a personally signed copy of The Treasure Plan, an exclusive Treasure Plan T-shirt, and a matching bookmark.
Paperback and Kindle available now at Amazon.com. Ships fast with Prime.
Finances sit in the middle of this list — not at the top. That says everything.
The sequence is intentional. Before you can enjoy life or serve others well, you must take care of yourself. Each pillar builds on the last.
A retirement plan that ignores your health is incomplete. Build a life you're physically ready to enjoy. Put your mask on first.
Align your wealth with the people who matter most — not just in the numbers, but in the decisions, the conversations, and the legacy.
Community is the overlooked pillar. Retirement can be profoundly isolating. Don't leave connection to chance.
Tax minimization, sustainable income, Social Security, Medicare, long-term care — all in service of the life you actually want to live.
Design the next chapter with intention. Most people plan their finances but not their days. This book helps you do both.
Find the margin — dollars directed toward giving goals, meaningful travel, and charitable causes. Where money finally becomes mission.
Simple to read. Demanding to execute.
The Bucket Strategy, Made Clear
Build stability, flexibility, and confidence in uncertain markets using a framework that works — explained in plain language you'll actually understand and use.
Building a More Sustainable Retirement Income Strategy
Coordinate Social Security timing, tax-efficient withdrawals, and income sequencing. The goal: a thoughtful strategy designed to support long-term retirement income needs.
The 30-Day Treasure Plan
A built-in workbook that asks one practical question: what are the top three changes that would have the most impact on your life today? Master those. Then ask again.
Real Stories, Real Decisions
Tax decisions, long-term care conversations, giving plans, identity shifts — each chapter draws on decades of client stories to show what alignment looks like in practice.
The compass orients you toward what matters. The hand is what moves you there. Guidance without action leads nowhere. Action without guidance leads in circles. This book provides both.
"My goal is simple: to help you design a retirement and a life you won't outlive — and that you'll never regret."
Helping families retire confidently since 2011
Chris Holcomb founded Heritage Financial Advisors in 2011 after 20+ years in corporate America. He still works directly with clients as a practicing branch manager, leading a team that serves families nationwide from Columbia, Maryland. His Certified Kingdom Advisor® designation reflects a conviction running through every page: that money is a tool, not a destination.
A Liberty University graduate with a background in mathematics education, Chris is known for making complex financial topics clear, calm, and actionable. The Treasure Plan is that same work — in book form.
Common Questions
Is this book only about investing?
No. Investments are part of the discussion, but the book focuses more broadly on retirement, purpose, relationships, health, and stewardship.
Is the book faith-based?
Faith and generosity are part of the framework, but the book is written to be practical and accessible for a broad audience.
Is this beginner friendly?
Yes. The concepts are explained in plain language without financial jargon.
Does it cover retirement income planning?
Yes. Topics include the bucket strategy, Social Security timing, tax-efficient withdrawals, and sustainable retirement income planning.
Your next chapter deserves a plan.
Purchase your signed copy from our Columbia, MD office and take the first step toward a retirement you are genuinely excited about.
2 signed copies for $25 · Pick up your signed copy at our office in Columbia, MD · 410-975-8387