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The Treasure Plan — Heritage Financial Advisors
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The
Treasure
Plan

Aligning Your Wealth with What Matters Most

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.

Purchase a Signed Copy from our office — $15 Buy a Copy on Amazon.com
The Treasure Plan book cover
$15 Signed
Copy
Aligning Your Wealth
with What Matters Most
Heritage Financial Advisors
A Different Kind of Retirement Book

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.

6
Pillars of a rich life — finances sit in the middle, not at the top
30
Day action plan built into every copy — not just reading, doing
20+
Years of client conversations distilled into one clear framework
2
Formats available — paperback and Kindle
N S E W
Who This Book Is For

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.

Get Your Copy

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 by Chris Holcomb
Two signed copies for $25 — ideal for couples planning together
Includes the built-in workbook and 30-Day Treasure Plan
Also available on Amazon in paperback and Kindle
Questions? Call 410-975-8387 — we're happy to help
Amazon
$17.99paperback · Prime shipping

Paperback and Kindle available now at Amazon.com. Ships fast with Prime.

Buy a Copy on Amazon.com
The Six Treasures

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.

01
Fitness

A retirement plan that ignores your health is incomplete. Build a life you're physically ready to enjoy. Put your mask on first.

02
Family

Align your wealth with the people who matter most — not just in the numbers, but in the decisions, the conversations, and the legacy.

03
Friends

Community is the overlooked pillar. Retirement can be profoundly isolating. Don't leave connection to chance.

04
Finances

Tax minimization, sustainable income, Social Security, Medicare, long-term care — all in service of the life you actually want to live.

05
Freedom

Design the next chapter with intention. Most people plan their finances but not their days. This book helps you do both.

06
Faith & Generosity

Find the margin — dollars directed toward giving goals, meaningful travel, and charitable causes. Where money finally becomes mission.

What's Inside

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 Goal

"My goal is simple: to help you design a retirement and a life you won't outlive — and that you'll never regret."

— Chris Holcomb, CFP®, CKA®, CRPS®
CH
Chris Holcomb
CFP®  ·  CKA®  ·  CRPS®  ·  Branch Manager
About the Author

Helping families retire confidently since 2011

CFP®
CKA®
CRPS®
Heritage Financial

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.

"This book grew out of thousands of conversations with real families. The questions are the same. The answers don't have to be complicated."
Frequently Asked Questions

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.

Ready to Start?

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.

Purchase a Signed Copy from our office — $15 Buy a Copy on Amazon.com

2 signed copies for $25  ·  Pick up your signed copy at our office in Columbia, MD  ·  410-975-8387